Finance And Financial Sector
US Congress 115th Congress
The Credit Access and Inclusion Act of 2017 [HB-435]
[Consumer Protection ]
[Housing ]
[Telecommunications ]
[Energy ]
[Data Privacy ]
The Credit Access and Inclusion Act of 2017 (Sec. 2) This bill amends the Fair Credit Reporting Act to allow the reporting of certain positive consumer-credit information to consumer reporting agencies. Specifically, a person or the Department of Housing and Urban Development may report information related to a consumer's performance in making payments either under a lease agreement for a dwelling or pursuant to a contract for a utility or telecommunications service. However, information about a consumer's usage of any utility or telecommunications
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Credit Union Residential Loan Parity Act [HB-389]
[Finance ]
[Housing ]
[Real Estate ]
[Small Business ]
Credit Union Residential Loan Parity Act This bill amends the Federal Credit Union Act to allow a credit union to extend a member business loan with respect to a one- to four-family dwelling, regardless of whether the dwelling is the member's primary residence. Under current law, a member business loan may be extended with respect to such a dwelling only if it is the member's primary residence.
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Fair Access to Credit Scores Act of 2017 [HB-402]
[Consumer Protection ]
[Finance ]
[Data Privacy ]
Fair Access to Credit Scores Act of 2017 This bill amends the Fair Credit Reporting Act to require certain consumer reporting agencies to disclose, upon request, as part of a consumer's free annual disclosure: (1) the consumer's current credit score, (2) any other information in the consumer's file regarding risk scores or predictors, and (3) any other consumer information the Consumer Financial Protection Bureau considers appropriate with respect to consumer financial education. Consumer reporting agencies shall maintain such scores or predictors
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Shareholder Protection Act of 2017 [HB-376]
[Finance ]
[Elections ]
[Ethics ]
[Funding ]
Shareholder Protection Act of 2017 This bill amends the Securities Exchange Act of 1934 to require shareholder authorization with respect to certain political expenditures by an issuer. A violation of this requirement shall be considered a breach of fiduciary duty, and the officers and directors who authorized the expenditure shall be subject to joint and several liability. The Securities and Exchange Commission must direct the national securities exchanges and associations to prohibit the listing of any equity security of an issuer whose corporate
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To amend the Expedited Funds Availability Act to clarify the application of that Act to American Samoa and the Northern Mariana Islands. [HB-385]
[Finance ]
[Consumer Protection ]
To amend the Expedited Funds Availability Act to clarify the application of that Act to American Samoa and the Northern Mariana Islands. This bill amends the Expedited Funds Availability Act to apply the Act, which governs bank deposit holds, to American Samoa and the Commonwealth of the Northern Mariana Islands. The Act's one-day extension for certain deposits in noncontiguous states or territories shall apply to both American Samoa and the Commonwealth of the Northern Mariana Islands.
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Futures Investor Protection Act [HB-316]
[Finance ]
[Consumer Protection ]
[Investments ]
Futures Investor Protection Act This bill establishes the Futures Investor Protection Corporation (FIPC) as a nonprofit membership corporation for all futures commission merchants registered with the Commodity Futures Trading Commission (CFTC). In general, the FIPC's powers and duties shall mirror those of the Security Investors Protection Corporation (the nonprofit membership corporation for registered broker-dealers). In addition, the bill amends the Commodity Exchange Act to establish suitability rules with respect to recommendations by a futures
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Nothing Off Balance Sheet Act of 2017 [HB-318]
[Finance ]
[Investments ]
Nothing Off Balance Sheet Act of 2017 This bill directs the Securities and Exchange Commission, in establishing accounting principles or standards under the securities laws, to require any person subject to those principles or standards to show all transactions on the person's balance sheet.
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Keep Repos to Maturity on Balance Sheet Act of 2017 [HB-317]
[Finance ]
[Investments ]
Keep Repos to Maturity on Balance Sheet Act of 2017 This bill requires the Securities and Exchange Commission, in establishing accounting principles or standards for purposes of the securities laws, to require that a repurchase-to-maturity transaction be treated as a secured borrowing in which the transferred asset serves as collateral. A "repurchase-to-maturity transaction" is one in which: (1) a financial asset is transferred in exchange for cash, other financial assets, or letters of credit; and (2) the transferor and transferee agree that the
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Commodity End-User Relief Act [HB-238]
[Finance ]
[Trade ]
[Consumer Protection ]
Commodity End-User Relief Act This bill reauthorizes through FY2021, and otherwise revises provisions related to, operations of the Commodity Futures Trading Commission (CFTC). The CFTC is authorized to require that certain property of the bankruptcy estate of a commodity broker who is a debtor in Chapter 7 bankruptcy (also known as "liquidation" bankruptcy) be included in customer property to the extent that such property is insufficient to satisfy the net equity claims of the broker's public customers. Before promulgating a regulation or issuing
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Protecting Employees and Retirees in Municipal Bankruptcies Act of 2017 [HB-139]
[Labor, Jobs, Employment ]
[Retirement ]
[Pensions ]
[Budget and Spending ]
Protecting Employees and Retirees in Municipal Bankruptcies Act of 2017 This bill amends federal bankruptcy law to: (1) heighten criteria with respect to a municipality's eligibility for municipal bankruptcy, and (2) revise provisions related to judicial procedure and review in municipality bankruptcy cases. In addition, the bill expands protections for employees and retirees in cases of municipal bankruptcy. Specifically, if a municipal bankruptcy plan modifies a collective bargaining agreement or retiree benefit, the covered employees' authorized
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SEC Regulatory Accountability Act [HB-78]
[Finance ]
[Small Business ]
[Consumer Protection ]
[Law Enforcement ]
[Economic Development ]
SEC Regulatory Accountability Act (Sec. 2) This bill amends the Securities Exchange Act of 1934 to direct the Securities and Exchange Commission (SEC) to: before issuing a regulation under the securities laws, identify the nature and source of the problem that the proposed regulation is designed to address; adopt a regulation only upon a reasoned determination that its benefits justify its costs; identify and assess available alternatives to any regulation; and ensure that any regulation is accessible, consistent, written in plain language, and
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Preventing Termination of Utility Services in Bankruptcy Act of 2017 [HB-141]
[Energy ]
[Consumer Protection ]
Preventing Termination of Utility Services in Bankruptcy Act of 2017 This bill amends federal bankruptcy law to specify that an individual debtor may not be required to furnish a security deposit to maintain utility services if the debtor pays specified debts owed to the utility within a certain timeframe.
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Stopping Abusive Student Loan Collection Practices in Bankruptcy Act of 2017 [HB-137]
[Student Loans ]
[Finance ]
Stopping Abusive Student Loan Collection Practices in Bankruptcy Act of 2017 This bill amends the federal bankruptcy code to allow an individual whose student loan debt is discharged due to undue hardship to recover court costs and attorney's fees for the discharge proceeding if the court finds that the position of the creditor opposing the discharge was not substantially justified.
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Protecting Employees and Retirees in Business Bankruptcies Act of 2017 [HB-138]
[Labor, Jobs, Employment ]
[Pensions ]
[Retirement ]
[Finance ]
Protecting Employees and Retirees in Business Bankruptcies Act of 2017 This bill amends federal bankruptcy law to modify provisions related to Chapter 11 bankruptcy, which typically involves the reorganization of a debtor company's assets and debts. Specifically, the bill modifies provisions governing: (1) employee and retiree recoveries and losses, and (2) executive compensation programs. With respect to employee and retiree recoveries and losses, the bill: increases the maximum value and age of specified wage and benefit claims entitled to priority
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HALOS Act Helping Angels Lead Our Startups Act [HB-79]
[Finance ]
[Small Business ]
[Technology and Innovation ]
[Investments ]
[Economic Development ]
HALOS Act Helping Angels Lead Our Startups Act (Sec. 3) This bill directs the Securities and Exchange Commission (SEC) to revise Regulation D, which exempts certain offerings from SEC registration requirements but prohibits general solicitation or general advertising with respect to such offerings. Specifically, this prohibition shall not apply to events with specified kinds of sponsors -- including "angel investor groups" unconnected to broker-dealers or investment advisers -- where presentations or communications are made by or on behalf of an
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Federal Reserve Transparency Act of 2017 [S.16]
[Finance ]
[Budget and Spending ]
[Taxes ]
[Investments ]
Federal Reserve Transparency Act of 2017 This bill directs the Government Accountability Office (GAO) to complete, within 12 months, an audit of the Federal Reserve Board and Federal Reserve banks. In addition, the bill allows the GAO to audit the Federal Reserve Board and Federal Reserve banks with respect to: (1) international financial transactions; (2) deliberations, decisions, or actions on monetary policy matters; (3) transactions made under the direction of the Federal Open Market Committee; and (4) discussions or communications among Federal
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Federal Reserve Transparency Act of 2017 [HB-24]
[Finance ]
[Budget and Spending ]
[Taxes ]
Federal Reserve Transparency Act of 2017 (Sec. 2) This bill directs the Government Accountability Office (GAO) to complete, within 12 months, an audit of the Federal Reserve Board and Federal Reserve banks. In addition, the bill allows the GAO to audit the Federal Reserve Board and Federal Reserve banks with respect to: (1) international financial transactions; (2) deliberations, decisions, or actions on monetary policy matters; (3) transactions made under the direction of the Federal Open Market Committee; and (4) discussions or communications
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SAFE Banking Act Secure and Fair Enforcement Banking Act [S.1152]
[Cannabis ]
[Finance ]
[Small Business ]
[Insurance ]
[Real Estate ]
SAFE Banking Act Secure and Fair Enforcement Banking Act This bill prohibits a federal banking regulator from: (1) terminating or limiting the deposit insurance or share insurance of a depository institution solely because the institution provides financial services to a legitimate marijuana-related business; (2) prohibiting or otherwise discouraging a depository institution from offering financial services to such a business; (3) recommending, incentivizing, or encouraging a depository institution not to offer financial services to an account holder
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Freedom from Discrimination in Credit Act of 2017 [HB-2498]
[Consumer Protection ]
[Human Rights ]
[Race and Civil Rights ]
[Data Privacy ]
[Law Enforcement ]
[Finance ]
Freedom from Discrimination in Credit Act of 2017 This bill amends the Equal Credit Opportunity Act (ECOA) 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.) The bill defines: (1) "gender identity" as the gender-related identity, appearance, or mannerisms or other gender-related characteristics of
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Freedom from Discrimination in Credit Act of 2017 [S.1143]
[Consumer Protection ]
[Human Rights ]
[Race and Civil Rights ]
[Data Privacy ]
[Finance ]
Freedom from Discrimination in Credit Act of 2017 This bill amends the Equal Credit Opportunity Act (ECOA) 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.) The bill defines: (1) "gender identity" as the gender-related identity, appearance, or mannerisms or other gender-related characteristics of
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