Interest, Dividends, Interest Rates
US Congress 115th Congress
Parent PLUS Loan Improvement Act of 2018 [HB-6280]
[Student Loans ]
[Education ]
Parent PLUS Loan Improvement Act of 2018 This bill amends the Higher Education Act of 1965 to modify the applicable terms and conditions with respect to Federal Direct PLUS Loans to parent borrowers (i.e., parent PLUS loans). Specifically, it reduces the interest rate and eliminates the origination fee for a parent PLUS loan disbursed on or after July 1, 2018. The Department of Education must ensure, prior to disbursement, that a parent PLUS loan borrower receives counseling that includes comprehensive information on the terms, conditions, and responsibilities
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Sponsored by: Rep. Barbara Lee
Introduced In House on 06/28/2018
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Pathways Out of Poverty Act of 2017 [HB-4074]
[Education ]
[Housing ]
[Labor, Jobs, Employment ]
[Taxes ]
[Budget and Spending ]
[Poverty ]
[Children and Youth ]
[Human Services ]
[Unemployment ]
[Food ]
Pathways Out of Poverty Act of 2017 This bill establishes and expands various programs related to education, housing, employment, and social welfare. The Department of Education must award grants to states for the development and implementation of prekindergarten programs. The Office of Juvenile Justice and Delinquency Prevention within the Department of Justice may award grants to assist communities in addressing juvenile delinquency and gang prevention. The bill expands: the Pell Grant program, the Temporary Assistance to Needy Families (TANF)
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Sponsored by: Rep. Raul M. Grijalva
Referred To The Subcommittee On Nutrition. on 10/26/2017
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Farmer Veteran Opportunity Act of 2018 [S.2822]
[Agriculture ]
[Veterans ]
[Small Business ]
Farmer Veteran Opportunity Act of 2018
Sponsored by: Sen. Debbie Stabenow
Read Twice And Referred To The Committee On Agriculture, Nutrition, And Forestry. on 05/10/2018
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Protecting Consumers from Unreasonable Credit Rates Act of 2017 [HB-3760]
[Consumer Protection ]
[Finance ]
[Crime ]
Protecting Consumers from Unreasonable Credit Rates Act of 2017 This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%. The bill also sets forth criminal penalties for violations and empowers state Attorneys General to enforce the bill. Credit card billing statements must include the fee and interest rate, displayed as "FAIR," instead of the total finance charge expressed as an annual percentage rate
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Sponsored by: Rep. Raul M. Grijalva
Introduced In House on 09/13/2017
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Small Business Credit Card Act of 2018 [HB-5660]
[Small Business ]
[Consumer Protection ]
[Finance ]
[Labor, Jobs, Employment ]
Small Business Credit Card Act of 2018 This bill amends the Truth in Lending Act to extend to qualified small businesses credit card protections currently provided to consumers, including limitations and disclosures regarding fees and interest rates. The bill defines "qualified small business" as any business concern having 50 or fewer employees, whether or not: (1) the credit card account is in the name of an individual or a business entity, and (2) any credit transaction involving such account is for business or personal purposes. A qualified
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Sponsored by: Rep. Nita M. Lowey
Introduced In House on 04/27/2018
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Empowering Students Through Enhanced Financial Counseling Act [S.2081]
[Student Loans ]
[Education ]
[Funding ]
[Grants ]
[Consumer Protection ]
Empowering Students Through Enhanced Financial Counseling Act This bill amends the Higher Education Act of 1965 to modify loan counseling requirements applicable to institutions of higher education (IHEs). Currently, an IHE must provide entrance counseling to a student who is a first-time federal student loan borrower. This bill replaces required entrance counseling with required annual financial counseling concerning information on the terms, conditions, and responsibilities of the grant or loan. Also, it expands the required recipients of such
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Sponsored by: Sen. Mark R. Warner
Read Twice And Referred To The Committee On Health, Education, Labor, And Pensions. on 11/06/2017
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Congressional Accountability and Hush Fund Elimination Act [HB-4494]
[Ethics ]
[Labor, Jobs, Employment ]
[Funding ]
Congressional Accountability and Hush Fund Elimination Act
Sponsored by: Rep. Alexander Mooney
Introduced In House on 11/30/2017
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Clean Energy Victory Bond Act of 2018 [HB-5586]
[Energy ]
[Climate Change ]
[Budget and Spending ]
[Environmental ]
[Funding ]
Clean Energy Victory Bond Act of 2018
Sponsored by: Rep. Zoe Lofgren
Referred To The Subcommittee On Energy. on 05/22/2018
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Tax Cuts and Jobs Act Short Titles as Introduced for portions of this bill Tax Cuts and Jobs Act Official Titles Official Titles - Senate Official Titles as Introduced An original bill to provide for reconciliation pursuant to title II of the concurrent resolution on the budget for fiscal year 2018. [S.1]
[Taxes ]
[Energy ]
[Budget and Spending ]
[Healthcare ]
Tax Cuts and Jobs Act Short Titles as Introduced for portions of this bill Tax Cuts and Jobs Act Official Titles Official Titles - Senate Official Titles as Introduced An original bill to provide for reconciliation pursuant to title II of the concurrent resolution on the budget for fiscal year 2018. Tax Cuts and Jobs Act This bill amends the Internal Revenue Code to reduce tax rates and modify policies, credits, and deductions for individuals and businesses. With respect to individuals, the bill: replaces the existing tax brackets (10%,
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Sponsored by: Sen. Michael B. Enzi
Committee On The Budget. Original Measure Reported To Senate By Senator Enzi. Without Written Report. on 11/28/2017
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21st Century IRS Act [HB-5445]
[Cybersecurity ]
[Taxes ]
[Technology and Innovation ]
[Consumer Protection ]
[Data Privacy ]
[Funding ]
[Law Enforcement ]
21st Century IRS Act This bill amends the Internal Revenue Code to establish requirements for the Internal Revenue Service (IRS) regarding cybersecurity, the protection of taxpayer identities, information technology, and electronic systems. With respect to cybersecurity and identity protection, the bill: requires the IRS to work with the public and private sectors to protect taxpayers from identity theft refund fraud, requires the Electronic Tax Administration Advisory Committee to make recommendations to prevent identity theft and refund fraud,
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Sponsored by: Rep. John Lewis
Considered Under The Provisions Of Rule H. Res. 831. (consideration: Cr H3422-3428) on 04/18/2018
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Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act". [HJR-132]
[Consumer Protection ]
[Finance ]
[Transportation and Motor Vehicles ]
Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act". This joint resolution nullifies the rule submitted by the Consumer Financial Protection Bureau and printed in the Congressional Record on December 6, 2017, relating to indirect auto lending and compliance with the Equal Credit Opportunity Act. The rule provides guidance for compliance with fair lending
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Sponsored by: Rep. Barbara Comstock
Introduced In House on 04/10/2018
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✔
A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act". [SJR-57]
[Consumer Protection ]
[Finance ]
[Law Enforcement ]
A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act". This joint resolution nullifies the rule submitted by the Consumer Financial Protection Bureau and printed in the Congressional Record on December 6, 2017, relating to indirect auto lending and compliance with the Equal Credit Opportunity Act. The rule provides guidance for compliance with
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Sponsored by: Sen. Shelley Moore Capito
Became Public Law No: 115-172. on 05/21/2018
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Economic Growth, Regulatory Relief, and Consumer Protection Act [S.2155]
[Consumer Protection ]
[Finance ]
[Real Estate ]
[Housing ]
[Insurance ]
[Cybersecurity ]
[Veterans ]
[Senior Citizens ]
[Student Loans ]
[Economic Development ]
[Investments ]
Economic Growth, Regulatory Relief, and Consumer Protection Act TITLE I--IMPROVING CONSUMER ACCESS TO MORTGAGE CREDIT (Sec. 101) This bill amends the Truth in Lending Act (TILA) to allow a depository institution or credit union with assets below a specified threshold to forgo certain ability-to-pay requirements regarding residential mortgage loans. Specifically, those requirements are waived if a loan: (1) is originated by and retained by the institution, (2) complies with requirements regarding prepayment penalties and points and fees, and (3)
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Sponsored by: Sen. Angus S. King
Presented To President. on 05/24/2018
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SAFE Lending Act of 2018 Stopping Abuse and Fraud in Electronic Lending Act of 2018 [S.2417]
[Consumer Protection ]
[Finance ]
[Small Business ]
[Data Privacy ]
SAFE Lending Act of 2018 Stopping Abuse and Fraud in Electronic Lending Act of 2018 This bill amends the Electronic Fund Transfer Act and the Truth in Lending Act. The bill revises requirements related to consumer financial protection and small-dollar lending, including matters concerning remotely created checks, electronic fund transfers, registration of small-dollar lenders, overdraft fees, and the collection of personal information.
Sponsored by: Sen. Dianne Feinstein
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 02/13/2018
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SAFE Lending Act of 2018 Stopping Abuse and Fraud in Electronic Lending Act of 2018 [HB-4999]
[Consumer Protection ]
[Finance ]
[Small Business ]
[Data Privacy ]
SAFE Lending Act of 2018 Stopping Abuse and Fraud in Electronic Lending Act of 2018 This bill amends the Electronic Fund Transfer Act and the Truth in Lending Act. The bill revises requirements related to consumer financial protection and small-dollar lending, including matters concerning remotely created checks, electronic fund transfers, registration of small-dollar lenders, overdraft fees, and the collection of personal information.
Sponsored by: Rep. Raul M. Grijalva
Introduced In House on 02/13/2018
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Creating An Online Platform For Instant 1099 Submissions Act [HB-5377]
[Taxes ]
[Technology and Innovation ]
[Small Business ]
Creating An Online Platform For Instant 1099 Submissions Act This bill directs the Internal Revenue Service (IRS) to provide taxpayers with online access to IRS resources and guidance that will allow them to: (1) prepare and file Forms 1099, (2) prepare Forms 1099 for distribution to recipients other than the IRS, and (3) create and maintain necessary taxpayer records. The IRS must ensure that the online services required by this bill: (1) are a supplement to, and not a replacement for, other services provided to taxpayers by the IRS; and (2) comply
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Sponsored by: Rep. Mike Bishop
Introduced In House on 03/21/2018
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School Building Improvement Act of 2017 [S.1674]
[Education ]
[Construction ]
[Funding ]
[Grants ]
School Building Improvement Act of 2017
Sponsored by: Sen. Robert P. Casey
Read Twice And Referred To The Committee On Finance. (sponsor Introductory Remarks On Measure: Cr S4621-4622) on 07/31/2017
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Making College More Affordable Act [HB-3572]
[Student Loans ]
[Education ]
[Budget and Spending ]
Making College More Affordable Act This bill amends the Higher Education Act of 1965 by creating federal interest-free education loans for undergraduate students. The loans must have the same terms and conditions and benefits to borrowers as federal direct Stafford Loans. Interest on these loans may only accrue during periods when a borrower is not earning taxable income due to professional negligence, professional incompetence, or malicious action on the part of the borrower. The Department of Education (ED) must carry out a repayment plan program
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Sponsored by: Rep. Janice D. Schakowsky
Introduced In House on 07/28/2017
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GPA Act Grace Period Alleviation Act [HB-3560]
[Student Loans ]
[Education ]
GPA Act Grace Period Alleviation Act This bill amends the Higher Education Act of 1965 to allow a borrower of a Federal Direct Stafford Loan (whether subsidized or unsubsidized) to elect a one-year grace period before beginning repayment on the loan. The Department of Education, through a loan modification process, must pay to each borrower who received a Federal Direct Stafford Loan for which the first disbursement was made between July 1, 2012, and July 1, 2014, an amount equal to the amount of interest that accrued on the loan prior to the beginning
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Sponsored by: Rep. Tony Cardenas
Introduced In House on 07/28/2017
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Taxpayer Protections and Market Access for Mortgage Finance Act of 2017 [HB-3556]
[Finance ]
[Real Estate ]
[Housing ]
[Small Business ]
[Insurance ]
[Investments ]
Taxpayer Protections and Market Access for Mortgage Finance Act of 2017 This bill amends the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 to direct the Federal Housing Finance Agency (FHFA) to establish guidelines requiring the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) to engage in significant, increasing, and varied credit-risk transfer transactions. A "risk transfer transaction" provides for: (1) the sale, disposition, retention, or transfer within
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Sponsored by: Rep. Gwen Moore
Referred To The Subcommittee On Commodity Exchanges, Energy, And Credit. on 09/01/2017