<?xml version="1.0" encoding="UTF-8"?><BillSummaries>
    <item congress="118" measure-type="hr" measure-number="4743" measure-id="id118hr4743" originChamber="HOUSE" orig-publish-date="2023-07-19" update-date="2024-06-04">
        <title>RING Act of 2023</title>
        <summary summary-id="id118hr4743v00" currentChamber="HOUSE" update-date="2024-06-04">
            <action-date>2023-07-19</action-date>
            <action-desc>Introduced in House</action-desc>
            <summary-text><![CDATA[<p><strong>Reporting Instances of Non-authorized Grift Act of 2023 or the RING Act of 2023 </strong></p><p>This bill requires creditors to establish a hotline for assisting consumers who are 50 years of age or older to resolve billing errors and mitigate fraud. Consumers who call the hotline must have the option to receive assistance from a live English- or Spanish-speaking individual and not from an automated system. &nbsp;</p>]]></summary-text>
        </summary>
    </item>
    <dublinCore xmlns:dc="http://purl.org/dc/elements/1.1/">
        <dc:format>text/xml</dc:format>
        <dc:language>EN</dc:language>
        <dc:rights>Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.</dc:rights>
        <dc:contributor>Congressional Research Service, Library of Congress</dc:contributor>
        <dc:description>This file contains bill summaries for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.</dc:description>
    </dublinCore>
</BillSummaries>
