Consumer Credit
US Congress 114th Congress
Data Security and Breach Notification Act of 2015 [S.177]
[Technology and Innovation ]
[Cybersecurity ]
[Data Privacy ]
[Consumer Protection ]
[Law Enforcement ]
[Public Safety ]
[National Security ]
Data Security and Breach Notification Act of 2015 Requires the Federal Trade Commission (FTC) to promulgate regulations requiring commercial entities, nonprofit and for-profit corporations, estates, trusts, cooperatives, and other specified entities that own or possess data containing personal information (covered entities), or that contract to have a third-party maintain or process such data for the entity, to implement information security policies and procedures for the treatment and protection of personal information. Establishes procedures
(continued...)
Sponsored by: Sen. Richard Blumenthal
Read Twice And Referred To The Committee On Commerce, Science, And Transportation. on 01/13/2015
Spread the world
Gettr US Congress 114th Congress
Military Consumer Protection Act [S.1565]
[Consumer Protection ]
[Military ]
[Veterans ]
[Finance ]
[Housing ]
Military Consumer Protection Act This bill amends the Consumer Financial Protection Act to extend Consumer Financial Protection Bureau oversight and protection to provisions under the Servicemembers Civil Relief Act concerning: future financial transactions, excluding insurance; default judgments, excluding child custody proceedings; interest rates on pre-service debts; evictions; purchase or lease installment contracts; mortgages and trusts; motor vehicle leases; telephone service contracts; and waiver of rights pursuant to a written agreement,
(continued...)
Sponsored by: Sen. Jack Reed
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 06/11/2015
Spread the world
US Congress 114th Congress
Community Lender Regulatory Relief and Consumer Protection Act of 2015 [S.1491]
[Finance ]
[Consumer Protection ]
[Housing ]
[Veterans ]
[Insurance ]
[Real Estate ]
Community Lender Regulatory Relief and Consumer Protection Act of 2015 This bill amends the Truth in Lending Act with respect to the presumption of a mortgagor's ability to pay a qualified residential mortgage loan and the insured depository institutions or insured credit unions meeting specified criteria that may be its creditors. The Gramm-Leach-Bliley Act is amended to exempt from its requirement of annual written privacy notices certain financial institutions. The Federal Deposit Insurance Act is amended to: (1) increase from $500 million to
(continued...)
Sponsored by: Sen. Robert Casey
Committee On Banking, Housing, And Urban Affairs Subcommittee On Financial Institutions And Consumer Protection. Hearings Held. on 10/28/2015
Spread the world
US Congress 114th Congress
Financial Regulatory Improvement Act of 2015 [S.1484]
[Finance ]
[Consumer Protection ]
[Small Business ]
[Insurance ]
[Investments ]
[Housing ]
[Real Estate ]
[Budget and Spending ]
Financial Regulatory Improvement Act of 2015 TITLE I--REGULATORY RELIEF AND PROTECTION OF CONSUMER ACCESS TO CREDIT (Sec. 101) This bill amends the Gramm-Leach-Bliley Act to exempt from the requirement to provide consumers with an annual written disclosure of their privacy policy certain financial institutions that provide nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution. (Sec. 102) The Federal Home Loan Bank Act is amended to set requirements for a credit union
(continued...)
Sponsored by: Sen. Richard Shelby
Committee On Banking, Housing, And Urban Affairs. Hearings Held. on 07/23/2015
Spread the world
US Congress 114th Congress
FISA Reform Act of 2015 [S.1469]
[Cybersecurity ]
[Data Privacy ]
[National Security ]
[Technology and Innovation ]
[Telecommunications ]
[Law Enforcement ]
[Criminal Justice ]
FISA Reform Act of 2015 TITLE I--FISA BUSINESS RECORDS REFORMS Amends the Foreign Intelligence Surveillance Act of 1978 (FISA) to establish a new process to be followed when the Federal Bureau of Investigation (FBI) submits an application to a FISA court for an order requiring the production of business records or other tangible things for an investigation to obtain foreign intelligence information not concerning a U.S. person or to protect against international terrorism or clandestine intelligence activities. Prohibits the FBI from applying for
(continued...)
Sponsored by: Sen. Dianne Feinstein
Read Twice And Referred To The Committee On The Judiciary. on 05/23/2015
Spread the world
US Congress 114th Congress
Andrew Prior Act Andrew's Law [S.1384]
[Student Loans ]
[Consumer Protection ]
[Education ]
Andrew Prior Act Andrew's Law This bill amends the Truth in Lending Act to discharge the repayment obligations of the estate of a borrower and any cosigner of a private educational loan if the borrower dies. The Consumer Financial Protection Bureau (CFPB) must develop necessary and appropriate safeguards to prevent fraud and abuse in the discharge of those obligations. The CFPB may promulgate regulations to reinstate those obligations in any case in which it determines that doing so is necessary to protect the public interest.
Sponsored by: Sen. Charles Schumer
Read Twice And Referred To The Committee On Health, Education, Labor, And Pensions. on 05/19/2015
Spread the world
US Congress 114th Congress
Freedom from Discrimination in Credit Act of 2015 [S.1330]
[Consumer Protection ]
[Human Rights ]
[Race and Civil Rights ]
[Finance ]
Freedom from Discrimination in Credit Act of 2015 Amends the Equal Credit Opportunity Act to expand the categories of prohibited discrimination when extending credit to include discrimination on account of sexual orientation or gender identity. (Currently, such discrimination in credit is prohibited only on the basis of race, color, religion, national origin, sex or marital status, or age.) Provides for such Act to apply whether the basis for certain prohibited forms of discrimination is actual or perceived. Defines: (1) "gender identity" as the
(continued...)
Sponsored by: Sen. Dianne Feinstein
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 05/13/2015
Spread the world
US Congress 114th Congress
FAIR Student Credit Act of 2015 Federal Adjustment in Reporting Student Credit Act of 2015 [S.1309]
[Student Loans ]
[Consumer Protection ]
[Education ]
FAIR Student Credit Act of 2015 Federal Adjustment in Reporting Student Credit Act of 2015 Amends the Fair Credit Reporting Act to allow a person to request the removal of a previously reported default regarding a qualified education loan from a consumer report if: (1) the lender chooses to offer a loan rehabilitation program that requires a number of consecutive on-time monthly payments equal to the number of payments specified in a default reduction program under the Higher Education Act of 1965, and (2) the consumer of such loan successfully
(continued...)
Sponsored by: Sen. Shelley Capito
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 05/12/2015
Spread the world
US Congress 114th Congress
Military Families Credit Reporting Act [S.1249]
[Military ]
[Consumer Protection ]
[Veterans ]
[Data Privacy ]
Military Families Credit Reporting Act This bill amends the Fair Credit Reporting Act with respect to an item of adverse information about an active duty military consumer. Declares that, if the action or inaction that gave rise to the item occurred while the consumer was an active duty military consumer, then: (1) the consumer may provide appropriate proof, including official orders, to a consumer reporting agency that the consumer was an active duty military consumer at the time the action or inaction occurred; and (2) any consumer report made
(continued...)
Sponsored by: Sen. Cory Booker
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 05/07/2015
Spread the world
US Congress 114th Congress
FIX Act FIX Credit Reporting Errors Act [S.1234]
[Consumer Protection ]
[Data Privacy ]
[Finance ]
FIX Act FIX Credit Reporting Errors Act Amends the Fair Credit Reporting Act with respect to the procedures followed by consumer reporting agencies when a consumer disputes the completeness or accuracy of information contained in the consumer's credit report. Requires consumer reporting agencies to: (1) expand the dispute notification furnished to any person who provided disputed information to include all documentation provided by the consumer, and (2) consider such consumer documentation when conducting reinvestigations of disputed information.
(continued...)
Sponsored by: Sen. Amy Klobuchar
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 05/06/2015
Spread the world
US Congress 114th Congress
Consumer Privacy Protection Act of 2015 [S.1158]
[Consumer Protection ]
[Cybersecurity ]
[Data Privacy ]
[Technology and Innovation ]
[Law Enforcement ]
[National Security ]
[Criminal Justice ]
[Public Safety ]
[Crime ]
Consumer Privacy Protection Act of 2015 Establishes a criminal offense for concealment of a security breach of computerized data containing sensitive personally identifiable information that results in economic harm of $1,000 or more to any individual. Authorizes the Department of Justice (DOJ) to commence a civil action to enjoin unauthorized persons or entities from accessing or transmitting computer commands commonly referred to as botnets that would impair the integrity or availability of 100 or more computers used by financial institutions
(continued...)
Sponsored by: Sen. Edward Markey
Read Twice And Referred To The Committee On The Judiciary. (sponsor Introductory Remarks On Measure: Cr S2577-2578) on 04/30/2015
Spread the world
US Congress 114th Congress
USA FREEDOM Act of 2015 Uniting and Strengthening America by Fulfilling Rights and Ensuring Effective Discipline Over Monitoring Act of 2015 [S.1123]
[Cybersecurity ]
[National Security ]
[Law Enforcement ]
[Technology and Innovation ]
[Data Privacy ]
[Criminal Justice ]
[Transportation and Motor Vehicles ]
[Military ]
[Science ]
[Crime ]
USA FREEDOM Act of 2015 Uniting and Strengthening America by Fulfilling Rights and Ensuring Effective Discipline Over Monitoring Act of 2015 TITLE I--FISA BUSINESS RECORDS REFORMS Amends the Foreign Intelligence Surveillance Act of 1978 (FISA) to establish a new process to be followed when the Federal Bureau of Investigation (FBI) submits an application to a FISA court for an order requiring the production of business records or other tangible things for an investigation to obtain foreign intelligence information not concerning a U.S. person or
(continued...)
Sponsored by: Sen. Mike Lee
Read Twice And Referred To The Committee On The Judiciary. (sponsor Introductory Remarks On Measure: Cr S2772-2773) on 04/28/2015
Spread the world
US Congress 114th Congress
Surveillance Order Reporting Act of 2015 [HB-689]
[Cybersecurity ]
[Data Privacy ]
[Technology and Innovation ]
[Telecommunications ]
[National Security ]
[Law Enforcement ]
[Crime ]
Surveillance Order Reporting Act of 2015 Permits electronic communications or remote computing service providers to report information to the public about requests and demands for information made by any government entity under a surveillance law and exempts such providers from liability with respect to that report even if the provider would otherwise be prohibited by a surveillance law from reporting that information. Allows a provider to report such information not more often than quarterly and only to the extent that the report reveals estimates
(continued...)
Sponsored by: Rep. Ted Poe
Referred To The Subcommittee On Crime, Terrorism, Homeland Security, And Investigations. on 03/17/2015
Spread the world
US Congress 114th Congress
Eliminate Privacy Notice Confusion Act [HB-601]
[Finance ]
[Consumer Protection ]
[Data Privacy ]
Eliminate Privacy Notice Confusion Act (Sec. 2) Amends the Gramm-Leach-Bliley Act to exempt from its annual privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, and (2) has not changed its policies and practices with regard to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers.
Sponsored by: Rep. Sean Maloney
Received In The Senate And Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 04/14/2015
Spread the world
US Congress 114th Congress
Financial CHOICE Act of 2016 [HB-5983]
[Finance ]
[Consumer Protection ]
[Insurance ]
[Investments ]
Financial CHOICE Act of 2016 This bill amends the Dodd-Frank Wall Street Reform and Consumer Protection Act, among other Acts, to: repeal the "Volcker Rule" (which restricts banks from making certain speculative investments); with respect to winding down failing banks, eliminate the Federal Deposit Insurance Corporation's orderly liquidation authority and establish new provisions regarding financial institution bankruptcy; and repeal the "Durbin Amendment" (which limits the fees that may be charged to retailers for debit card processing). Certain
(continued...)
Sponsored by: Rep. Jeb Hensarling
Placed On The Union Calendar, Calendar No. 693. on 12/20/2016
Spread the world
US Congress 114th Congress
Expanding Rent-to-Own Protections Act of 2016 [HB-5928]
[Consumer Protection ]
[Housing ]
[Real Estate ]
Expanding Rent-to-Own Protections Act of 2016
Sponsored by: Rep. John Delaney
Introduced In House on 07/25/2016
Spread the world
US Congress 114th Congress
Data Accountability and Trust Act [HB-580]
[Technology and Innovation ]
[Consumer Protection ]
[Cybersecurity ]
[Data Privacy ]
[Law Enforcement ]
[Public Safety ]
Data Accountability and Trust Act Requires the Federal Trade Commission (FTC) to promulgate regulations requiring each person engaged in interstate commerce that owns or possesses data containing personal information to establish specified security policies and procedures to treat and protect such information. Requires the regulations to include methods for disposing of both electronic and nonelectronic data. Requires information brokers to submit their security policies to the FTC in conjunction with a notification of a security breach notification
(continued...)
Sponsored by: Rep. David Cicilline
Referred To The Subcommittee On Commerce, Manufacturing, And Trade. on 01/30/2015
Spread the world
US Congress 114th Congress
Fair Debt Collections Practices Clarification Act of 2016 [HB-5796]
[Consumer Protection ]
[Finance ]
[Law Enforcement ]
Fair Debt Collections Practices Clarification Act of 2016 This bill amends the Fair Debt Collection Practices Act to permit the award of court costs and attorney fees to the defendant in an action to enforce liability for violating such Act only after finding that the action was brought in bad faith and for the purpose of harassment.
Sponsored by: Rep. Matthew Cartwright
Referred To The Subcommittee On The Constitution And Civil Justice. on 08/11/2016
Spread the world
US Congress 114th Congress
WAGE Act Wage and Garnishment Equity Act of 2016 [HB-5664]
[Labor, Jobs, Employment ]
WAGE Act Wage and Garnishment Equity Act of 2016
Sponsored by: Rep. Elijah Cummings
Introduced In House on 07/07/2016
Spread the world
US Congress 114th Congress
Protecting Veterans Credit Act of 2016 [HB-5593]
[Veterans ]
[Consumer Protection ]
[Healthcare ]
Protecting Veterans Credit Act of 2016 This bill amends the Fair Credit Reporting Act to exclude from a consumer report: (1) for one year, information related to a veteran's choice medical program (program) debt; and (2) information related to a fully paid or settled program debt that had been characterized as delinquent, charged off, or in collection. The Consumer Credit Protection Act is amended to provide a mechanism for veterans to dispute the inclusion of program debt already on a credit report. A consumer reporting agency shall, within 30
(continued...)
Sponsored by: Rep. Ann Kuster
Introduced In House on 06/28/2016