CREDIT related term(s) Consumers

Advertisements

Recovering money on home loans, H4121 [4AP]

———Edward O'Brien, H4121 [4AP]

Amendments

Farm credit banks: reduce unnecessary regulatory burdens (H.R. 2029), S19122, S19138 [21DE]

Small business: redesign small business programs on loan guarantees, counseling and management, and Government contracting (S. 895), S12416, S12514, S12517 [11AU]

Analyses

Depository Institution Affiliation Act (S. 337), S2051-S2054 [2FE]

Reduce Unnecessary Regulatory Burdens on Farm Credit Banks (S. 1011), S9535 [30JN]

Student Loan Evaluation and Stabilization Act (S. 495), S3470 [3MR]

Veterans' Housing Loan Program and Montgomery GI Bill Cost-Reduction Act (S. 993), S9440 [29JN]

Appointments

Conferees: S. 895, Small Business Lending Enhancement Act, S14333 [26SE], H8777 [12SE]

Articles and editorials

College Students Spending More Time Earning Than Learning, E373 [16FE]

Direct Loan Program Is Good Deal for All, S5022 [31MR]

Direct Loans Benefit Student, S5929 [1MY]

Don't Undercut Our Commitment to Higher Education, E1167 [7JN]

Financial Burden—Taxing Higher Education Is Shortsighted, E1996 [20OC]

Let a Thousand Credit Cards Bloom, E1236 [14JN]

Loan Plan Good for Schools, S16673 [3NO]

My Plan For A Stronger Financial Industry, E272 [3FE]

Reality of Cutting Student Aid, S15739 [26OC]

Special Interest Hit Direct Loan Programs Head-On, S15366 [19OC]

Student Loans—The Price of Politics, S16814 [8NO]

Why Student Aid Matters, S8122 [9JN]

Bills and resolutions

Agriculture: access to credit for family farmers who grow specialty crops or operate in high land cost areas (see H.R. 54), H164 [9JA]

Bankruptcy: limit the value of real and personal property that debtors may exempt under State and local law (see S. 769), S6337 [9MY]

———technical corrections to U.S. Code (see S. 977), S9305 [28JN]

Business and industry: availability of credit to businesses relative to communities facing economic distress (see H.R. 288), H171 [9JA]

———provide credit to businesses and facilitate the transfer and commercialization of Government-owned patents and technologies (see H.R. 80), H165 [9JA]

Children and youth: require monthly reporting of child support obligations to consumer credit agencies (see H.R. 314), H172 [9JA]

College Construction Loan Insurance Association: privatize (see S. 941), S8550 [16JN]

Colleges and universities: participation in Pell Grant Program relative to Federal Stafford Loan Program default rate (see H.R. 2038), H7011 [13JY]

Construction industries: approval requirements and compliance with nondiscrimination laws for surety bonding corporations (see S. 666), S5142 [4AP]

Consumers: accuracy of consumer information maintained by credit reporting agencies (see S. 709), S5404 [6AP]

———accuracy of information maintained by credit reporting agencies (see H.R. 561), H325 [18JA]

———credit card fees (see H.R. 1169), H2891 [8MR]

———define payment postmark date as payment date for purposes of grace periods (see H.R. 1537, 1963), H4511 [2MY], H6655 [29JN]

———require additional disclosures of the terms of rental-purchase agreements (see H.R. 2820), H15237 [20DE]

Credit cards: require additional disclosures of account information and study industry competitiveness (see H.R. 1105), H2486 [1MR]

Crime: penalties and restitution procedures for false statements on SBA loan applications (see S. 276), S1539 [25JA]

Dept. of Veterans Affairs: refinancing of direct home loans to Native Americans (see S. 1342), S15338 [19OC]

Ecology and environment: establish revolving loan funds for cleanup of distressed areas with investment potential (see H.R. 1620), H4873 [11MY]

Education: make certain clinical psychology graduate programs eligible to participate in various health professions loan programs (see S. 64), S49 [4JA]

———phase out the Federal Direct Student Loan Program and privatize the student loan system (see S. 1198), S12370 [11AU]

———student loan reform (see S. 495; H.R. 530, 1501), S3466 [3MR], H295 [17JA], H4431 [7AP]

Fair Debt Collection Practices Act: improve administration (see H.R. 1711), H5607 [25MY]

———technical amendments (see S. 1379), S16621 [2NO]

Farm credit banks: reduce unnecessary regulatory burdens (see S. 1011; H.R. 2029), S9516 [30JN], H7011 [13JY]

FBI: disclosures by consumer reporting agencies for counterintelligence purposes (see H.R. 68), H165 [9JA]

Federal Agricultural Mortgage Corp.: improve operation (see H.R. 2130), H7916 [27JY]

Federal Home Loan Bank System: reform and modernize (see H.R. 1487, 1657), H4430 [7AP], H5190 [17MY]

———representation of Guam and the Virgin Islands on board of directors (see H.R. 1939), H6396 [27JN]

Financial institutions: expand availability by lifting growth cap on limited service financial institutions (see S. 445; H.R. 1491), S2823 [16FE], H4430 [7AP]

———increase competition in the financial services sector (see S. 337; H.R. 814, 2520), S2034 [2FE], H1207 [3FE], H10726 [24OC]

———reform regulatory process and paperwork requirements (see S. 650; H.R. 1362, 1858, 2158), S4924 [30MR], H4031 [30MR], H6045 [15JN], H8174 [1AU]

———require lenders to post current interest rates charged for various categories of loans to consumers (see H.R. 183), H168 [9JA]

———small business loan disclosures (see H.R. 398), H174 [9JA]

———strengthen and clarify enforcement of fair lending laws relative to redlining and credit allocation (see H.R. 1699), H5571 [24MY]

Foreign aid: provide public notice of all conditions for monetary stabilization and require public financial status reports (see H.R. 1752), H5622 [6JN]

Housing: assist active duty military personnel through interest rate buy downs (see H.R. 1611), H4872 [11MY]

———enhance availability of investment capital for low- and moderate-income housing (see H.R. 1211), H3049 [10MR]

———provide for private servicing of rural housing loans (see H.R. 1276), H3416 [21MR]

Information services: treatment of stored value cards (see S. 1270), S14203 [25SE]

Money: budget and credit authority provided to the exchange stabilization fund (see H.R. 867), H1460 [8FE]

———require congressional approval for certain uses of the exchange stabilization fund (see H.R. 2177), H8360 [3AU]

Mortgages: improve the Single Family Housing Mortgage Insurance Program (see H.R. 487), H229 [11JA]

Native American Financial Services Organization: establish (see H.R. 2412), H9591 [27SE]

REA: improve loan program (see H.R. 1913), H6269 [22JN]

———loans to electric generation and transmission cooperatives (see H.R. 403), H174 [9JA]

Real estate: extend FHA mortgage insurance program coverage to home equity conversion mortgages for elderly homeowners (see S. 1409; H.R. 1934), S17003 [13NO], H6396 [27JN]

Rural areas: eligibility for rural electrification and economic development loans (see S. 805), S6688 [15MY]

SBA: increase the guarantee fee on general business loans (see H.R. 1258), H3326 [16MR]

———reduce level of participation in certain guaranteed loans (see H.R. 1570), H4545 [3MY]

Small business: redesign small business programs on loan guarantees, counseling and management, and Government contracting (see S. 895), S8034 [8JN]

———reduce costs of Government loan guarantees (see H.R. 2150), H8174 [1AU]

Taxation: financing of education expenses (see S. 1312), S15033 [11OC]

———insurance reserve treatment of financial guaranty insurance (see S. 1106), S11201 [2AU]

———mortgage interest payment deduction for first- or second-time homebuyers (see S. Res. 117), S6337 [9MY]

———permit loans from individual retirement accounts for housing, education, and medical emergencies (see H.R. 2431), H9737 [29SE]

———treatment of bad debt reserves of savings associations which are required to convert to banks (see H.R. 2494), H10306 [18OC]

———treatment of certain interest on automobile loans (see H.R. 1957), H6655 [29JN]

———treatment of interest paid on educational loans (see H.R. 1793), H5752 [8JN]

———treatment of interest paid on educational loans and withdrawals from retirement plans for higher education expenses (see H.R. 2050), H7178 [18JY]

———treatment of student loan interest (see S. 1273), S14312 [26SE]

Tax-exempt organizations: authorize receipt of Federal loans, grants, or contracts to organizations engaging in lobbying activities (see H.R. 2785), H14963 [15DE]

Transportation: permit tax-exempt financing of certain transportation facilities (see S. 1199; H.R. 1790), S12370 [11AU], H5752 [8JN]

Truth in Lending Act: clarify intent and reduce regulatory burdens on creditors (see H.R. 1184), H2988 [9MR]

———clarify regulations relative to mortgage fees and disclosure requirements (see H.R. 2399), H9591 [27SE]

———moratorium on certain class action lawsuits (see H.R. 1380), H4104 [3AP]

Veterans: provide for cost-savings in housing loan and education programs (see S. 993), S9421 [29JN]

Conference reports

Small Business Lending Enhancement Act (S. 895), H9638 [28SE]

Explanations

Treatment of Bad Debt Reserves of Financial Institutions Which Are Required to Convert to Banks (H.R. 2494), E1971 [18OC]

Letters

Depository Institution Affiliation Act: Senator D'Amato, S2054 [2FE]

Farm credit bank regulatory burdens: Marsha Martin, Farm Credit Administration, H15165 [19DE]

Reduce unnecessary regulatory burdens on farm credit banks: Marsha Martin and Doyle L. Cook, Farm Credit Administration, S9536 [30JN]

Student loan program: Roy A. Nicholson, USA Group, Inc., S3815 [10MR]

———Senator Simon, S3815 [10MR]

Student loan programs: Alice M. Rivlin, OMB, S14201 [25SE]

———Dallas Martin, National Association of Student Financial Aid Administrators, S15195 [17OC]

———Erica Martin-Doyle, E1205 [8JN]

———former Republican Party Government officials, S14200 [25SE]

———June E. O'Neill, CBO, S15775 [26OC]

———Lawrence Lindsey, FRS, S14201 [25SE]

———Richard W. Riley, Sec. of Education, S14701 [29SE]

———several university presidents, S17304-S17308 [17NO]

Student loan repayment process: Representative Petri, S5918 [1MY]

Veterans' Housing Loan Program and Montgomery GI Bill Cost-Reduction Act: Jesse Brown, Sec. of Veterans Affairs, S9441 [29JN]

Lists

Massachusetts schools participating in direct lending, S14202 [25SE]

Principles for reform of the SBA, S8037 [8JN]

Memorandums

Student Loan Program Guaranty Agency Reserves: Judith A. Winston, Dept. of Education, S14702 [29SE]

Messages

CCC Report: President Clinton, S16919 [9NO], H12065 [9NO]

Motions

Small business: redesign small business programs on loan guarantees, counseling and management, and Government contracting (S. 895), H8777 [12SE]

Papers

In Defense of Direct Lending: Bartley MacPhaidin, E2334 [11DE]

Petitions

Student loan programs: Inver Hills Community College and Lakewood Community College students, S15747 [26OC]

Questions and answers

Student loan programs: Senator Domenici and June E. O'Neill, S15775 [26OC]

Remarks in House

Amtrak: reform of Railroad Loan Guarantee Program, H13828 [30NO]

Children and youth: require monthly reporting of child support obligations to consumer credit agencies (H.R. 314), E43 [5JA]

Colleges and universities: participation in Pell Grant Program relative to Federal Stafford Loan Program default rate (H.R. 2038), E1430 [13JY]

Consumers: accuracy of information maintained by credit reporting agencies (H.R. 561), E121 [18JA]

———define payment postmark date as payment date for purposes of grace periods (H.R. 1963), E1368 [30JN]

Dept. of Transportation: funding for railroad rehabilitation and improvement of loan guarantees, H7525 [24JY]

Education: student loan programs, H4550 [9MY], H5055 [16MY], H5165 [17MY], H5357 [18MY], H5384, H5385, H5387, H5388 [23MY], H5485, H5486, H5488, H5489, H5547 [24MY], H5590, H5591, H5592 [25MY], H5626, H5628, H5629 [7JN], H5989, H6040 [15JN], H6260-H6267 [22JN], H6317, H6318 [27JN], H8331, H8340, H8343, H8349-H8355, H8415-H8418 [3AU], H8729, H8730, H8731, H8732, H8781-H8788 [12SE], H8813, H8891-H8893, H8894 [13SE], H8914 [14SE], H9778, H9779 [10OC], H10787 [25OC], H10889, H10891 [26OC], H11580 [31OC], H12069 [9NO], H12163, H12171 [13NO], H12205, H12338 [14NO], H13640, H13641 [20NO], H14029 [6DE], H14179 [7DE], H14936 [15DE], H15145, H15146 [19DE], E1205 [8JN], E1236 [14JN], E1649, E1650 [5AU], E1779 [13SE], E1995 [20OC], E2105 [2NO], E2334 [11DE]

———student loan programs (H.R. 1501), E1211 [9JN]

———student loan reform, H3814 [28MR], H3886, H3887, H3888, H3967 [29MR], H3980, H3981, H3982, H3983 [30MR], H4077, H4078, H4082 [3AP], H4147, H4150, H4152, H4156, H4159 [4AP], H4188, H4191 [5AP], H4396, H4398 [6AP], E373 [16FE]

———student loan reform (H.R. 530), E101, E102 [17JA]

———tax credits for payment of educational expenses, H4300-H4308 [5AP]

Farm credit banks: reduce unnecessary regulatory burdens (H.R. 2029), H15162, H15165, H15166 [19DE], E1429 [13JY]

Federal Direct Student Loan Program: funding, E613 [16MR]

Federal Home Loan Bank System: reform and modernize (H.R. 1487), E863 [7AP]

FHA: GAO audit, H6033 [15JN]

Financial institutions: expand availability by lifting growth cap on limited service financial institutions (H.R. 1491), E860, E869 [7AP]

———increase competition in the financial services sector, H4523-H4525 [3MY]

———increase competition in the financial services sector (H.R. 814), E268, E271 [3FE]

———provide loans to low-income communities and individuals, H7826 [27JY]

———reform credit card regulations, E1235 [14JN]

———reform regulatory process and paperwork requirements (H.R. 1362), H6079-H6081 [16JN], E1811 [20SE]

———reform regulatory process and paperwork requirements (H.R. 1858), E1811 [20SE]

———strengthen and clarify enforcement of fair lending laws relative to redlining and credit allocation (H.R. 1699), E1116 [24MY]

Freeport, IL: opening of Martin Luther King Community Campus, H14909 [14DE]

Housing: assist active duty military personnel through interest rate buy downs (H.R. 1611), E1007 [11MY]

———assistance for low-income families, H7248, H7249 [19JY]

———funding for rural housing loans, H9327 [20SE]

Mortgages: improve the Single Family Housing Mortgage Insurance Program (H.R. 487), E78 [11JA], E406 [22FE]

Railroads: reform of Railroad Loan Guarantee Program, H13827 [30NO]

REA: loans to electric generation and transmission cooperatives, E1318 [22JN]

Real estate: extend FHA mortgage insurance program coverage to home equity conversion mortgages for elderly homeowners (H.R. 1934), H10650 [24OC], E1340 [27JN]

SBA: increase the guarantee fee on general business loans (H.R. 1258), H4342 [6AP]

Small business: redesign small business programs on loan guarantees, counseling and management, and Government contracting (S. 895), H8776 [12SE]

———redesign small business programs on loan guarantees, counseling and management, and Government contracting (S. 895), conference report, H9711, H9712 [29SE]

———reduce costs of Government loan guarantees (H.R. 2150), H8733-H8737 [12SE], E1762 [12SE]

Student Loan Marketing Association: privatization, H9163 [19SE]

Taxation: treatment of bad debt reserves of financial institutions which are required to convert to banks (H.R. 2494), E1971 [18OC]

———treatment of certain interest on automobile loans (H.R. 1957), E1369 [30JN]

Transportation: permit tax-exempt financing of certain transportation facilities (H.R. 1790), E1217 [9JN]

Truth in Lending Act: clarify regulations relative to mortgage fees and disclosure requirements (H.R. 2399), H9513-H9516 [27SE], E1918 [11OC]

———moratorium on certain class action lawsuits (H.R. 1380), H4120-H4122 [4AP]

Remarks in Senate

Bankruptcy: limit the value of real and personal property that debtors may exempt under State and local law (S. 769), S6344 [9MY]

———technical corrections to U.S. Code (S. 977), S9306 [28JN], S14569 [28SE]

College Construction Loan Insurance Association: privatize (S. 941), S8560 [16JN]

Construction industries: approval requirements and compliance with nondiscrimination laws for surety bonding corporations (S. 666), S5144 [4AP]

Consumers: accuracy of consumer information maintained by credit reporting agencies (S. 709), S5449, S5450 [6AP]

Crime: penalties and restitution procedures for false statements on SBA loan applications (S. 276), S1540 [25JA]

Dept. of Defense: establish a defense export loan guarantee program, S5513 [6AP]

Dept. of Veterans Affairs: refinancing of direct home loans to Native Americans (S. 1342), S15344 [19OC]

Education: make certain clinical psychology graduate programs eligible to participate in various health professions loan programs (S. 64), S283 [4JA]

———phase out the Federal Direct Student Loan Program and privatize the student loan system (S. 1198), S12403 [11AU]

———student loan program funding by closing corporate tax loopholes, S7291-S7292 [24MY]

———student loan programs, S7208-S7214 [23MY], S7281, S7361 [24MY], S7423 [25MY], S8122 [9JN], S8984-S8989 [23JN], S11438 [4AU], S12343 [11AU], S13577, S13613 [14SE], S13725 [18SE], S14199-S14202 [25SE], S14450 [28SE], S14701 [29SE], S15195-S15199 [17OC], S15297, S15366 [19OC], S15435 [23OC], S15733-S15748, S15773-S15776, S15779-S15781 [26OC], S16656, S16673 [3NO], S16813-S16816 [8NO], S17078 [15NO], S17258, S17303 [17NO], S18675-S18678, S18700, S18731 [15DE]

———student loan reform, S3814 [10MR], S5022 [31MR], S5373 [6AP], S5918, S5929 [1MY]

———student loan reform (S. 495), S3467 [3MR]

Fair Debt Collection Practices Act: technical amendments (S. 1379), S16624 [2NO]

Farm credit banks: reduce unnecessary regulatory burdens (H.R. 2029), S19138-S19140 [21DE]

———reduce unnecessary regulatory burdens (S. 1011), S9534, S9536 [30JN]

Financial institutions: expand availability by lifting growth cap on limited service financial institutions (S. 445), S2842, S2843 [16FE]

———increase competition in the financial services sector (S. 337), S2049-S2051 [2FE]

———reform regulatory process and paperwork requirements (S. 650), S4928, S4929 [30MR]

Higher Education Act: anniversary, S16813-S16816 [8NO]

Housing: funding for rural housing loans, S7225 [23MY]

Information services: treatment of stored value cards (S. 1270), S14203 [25SE]

Real estate: extend FHA mortgage insurance program coverage to home equity conversion mortgages for elderly homeowners (S. 1409), S17003 [13NO]

Rural areas: eligibility for rural electrification and economic development loans (S. 805), S6691 [15MY]

Small business: redesign small business programs on loan guarantees, counseling and management, and Government contracting (S. 895), S8036 [8JN], S12514-S12517 [11AU], S14333 [26SE]

———redesign small business programs on loan guarantees, counseling and management, and Government contracting (S. 895), conference report, S14568 [28SE]

Taxation: insurance reserve treatment of financial guaranty insurance (S. 1106), S11203 [2AU]

———mortgage interest payment deduction for first- or second-time homebuyers (S. Res. 117), S6357 [9MY]

———treatment of bad debt reserves of financial institutions which are required to convert to banks, S16006 [27OC]

———treatment of student loan interest (S. 1273), S14312 [26SE]

Transportation: permit tax-exempt financing of certain transportation facilities (S. 1199), S12404-S12409 [11AU]

Truth in Lending Act: clarify regulations relative to mortgage fees and disclosure requirements (H.R. 2399), S14566-S14568 [28SE]

———moratorium on certain class action lawsuits (H.R. 1380), S5562, S5614, S5615 [24AP]

Veterans: provide for cost-savings in housing loan and education programs (S. 993), S9440 [29JN]

Reports

Community Colleges and Direct Lending: Melanie Jackson, Association of Community College Trustees, E613-E615 [16MR]

Management Improvement on the Administration of the Federal Family Education Loan Program: Dept. of Education, S3815-S3818 [10MR]

Student Loans Under Proposed Federal Budget for 1996-2002, S9366 [29JN]

Reports filed

Economic Growth and Regulatory Paperwork Reduction Act: Committee on Banking, Housing, and Urban Affairs (Senate) (S. 650) (S. Rept. 104-185), S18662 [14DE]

Farm Credit Bank Regulatory Burden Reduction: Committee on Agriculture (House) (H.R. 2029) (H. Rept. 104-421), H15087 [18DE]

Financial Institutions Regulatory Process and Paperwork Requirements Reform: Committee on Banking and Financial Services (House) (H.R. 1858) (H. Rept. 104-193), H7178 [18JY]

Small Business Credit Efficiency Act: Committee on Small Business (House) (H.R. 2150) (H. Rept. 104-238), H8596 [6SE]

Small Business Lending Enhancement Act: Committee of Conference (S. 895) (H. Rept. 104-269), H9670 [28SE]

———Committee on Small Business (Senate) (S. 895) (S. Rept. 104-129), S11606 [5AU]

Tax Treatment of Bad Debt Reserves of Financial Institutions Which Are Required To Convert to Banks: Committee on Ways and Means (House) (H.R. 2494) (H. Rept. 104-324), H11829 [7NO]

U.S. Bankruptcy Code Technical Corrections: Committee on the Judiciary (Senate) (S. 977), S13728 [18SE]

Statements

Student Loan Programs: Representative Istook, E1211-E1213 [9JN]

———several college students, S11438-S11446 [4AU]

Studies

National Economic Impact of Alameda Transportation Corridor: BST Associates (business), S12406-S12408 [11AU]

Summaries

Small Business Lending Enhancement Act (S. 895), S8037 [8JN]

Student Loan Evaluation and Stabilization Act (S. 495), S3470 [3MR]

Tables

Direct loans versus guaranteed loans under Republican plan, S12344 [11AU]

Senate Republican budget reconciliation proposal, S14202 [25SE]

Student loan taxes on colleges, S14202 [25SE]

Student loan taxes on Massachusetts colleges, S14202 [25SE]

Texts of

H.R. 1380, Truth in Lending Class Action Relief Act, H4120 [4AP]

H.R. 1790, permit tax-exempt financing of certain transportation facilities, E1218 [9JN]

H.R. 2029, reduce unnecessary regulatory burdens from farm credit banks, H15162-H15165 [19DE]

H.R. 2150, Small Business Credit Efficiency Act, H8733 [12SE]

H.R. 2399, clarify banking regulations relative to mortgage fees and disclosure requirements, H9513 [27SE]

S. 64, make certain clinical psychology graduate programs eligible to participate in various health professions loan programs, S283 [4JA]

S. 276, Small Business Financial Institution Protection Act, S1540 [25JA]

S. 495, Student Loan Evaluation and Stabilization Act, S3468-S3470 [3MR]

S. 666, Equal Surety Bond Opportunity Act, S5144 [4AP]

S. 769, Bankruptcy Abuse Reform Act, S6345 [9MY]

S. 805, Rural Electrification and Rural Economic Development Improvement Act, S6692-S6696 [15MY]

S. 895, Small Business Lending Enhancement Act, S8036 [8JN], S12517 [11AU], H8776 [12SE]

S. 977, technical corrections to U.S. Bankruptcy Code, S9306 [28JN]

S. 977, technical corrections to U.S. Code relative to bankruptcy, S14569 [28SE]

S. 993, Veterans' Housing Loan Program and Montgomery GI Bill Cost-Reduction Act, S9440 [29JN]

S. 1106, insurance reserve treatment of financial guaranty insurance, S11202 [2AU]

S. 1198, Student Loan Privatization Act, S12403 [11AU]

S. 1199, permit tax-exempt financing of certain transportation facilities, S12405 [11AU]

S. 1270, treatment of stored value cards, S14204 [25SE]

S. 1273, Higher Education Investment Act, S14313 [26SE]

S. 1409, Home Equity Conversion Mortgage Act, S17003 [13NO]

S. Res. 117, mortgage interest payment tax deduction for first- or second-time homebuyers, S6357 [9MY]