FINANCIAL INSTITUTIONS

Addendums

Reimbursement of OPIC and Bucheit International (business) by Palestinian Authority: Pete Bucheit, H6830 [4SE]

Addresses

Challenge of Inclusion: James D. Wolfensohn, S10912-S10915 [22OC]

Personalizing Social Security—Unplugging the Third Rail: James L. Martin, 60 Plus Association, E2128-E2130 [30OC]

Amendments

China, People's Republic of: oppose concessional loans by international financial institutions (H.R. 2605), H10159 [6NO]

Dept. of Veterans Affairs: make permanent the Native American Veteran Housing Loan Program (S. 714), S11791 [5NO], S12488 [10NO]

Eximbank: reauthorization (H.R. 1370), H8200, H8202, H8205 [30SE], H8373, H8377, H8380, H8381 [6OC]

———reauthorization (S. 1026), S9435 [16SE], S11573 [31OC]

Real estate: extend FHA mortgage insurance program coverage to home equity conversion mortgages for elderly homeowners (S. 562), H7306 [16SE]

States: applicability of host State laws to any branch in such State of an out-of-State bank (H.R. 1306), S5628, S5637 [12JN], H4231 [24JN]

Truth in Lending Act: require notice of cancellation rights relative to private mortgage insurance (H.R. 607), S12619, S12681 [13NO]

Analyses

Hope and Opportunity for Postsecondary Education Act (S. 559), S3052-S3056 [10AP]

Housing Programs Extension Act (S. 562), H7307 [16SE]

Native American Veteran Housing Loan Program Extension (S. 1027), S7711 [17JY]

Rural Multifamily Rental Housing Loan Guarantee Extensions Act (H.R. 28), H1302 [8AP]

Appointments

Conferees: S. 1026, Eximbank reauthorization, S11574 [31OC], H8397 [6OC]

Articles and editorials

Commerical Banks Set $52 Billion Profit Record Last Year, FDIC Says, E658 [15AP]

Day the World Shuts Down, S5269 [3JN]

Dropping the Ball in Juggling Loans—A Lot of Fumbles by E.D.S. in Processing Student Debt, S11535 [31OC]

Economic Prosperity Not Fully Shared, S11226 [27OC]

Economic Scene, E660 [15AP]

Education Department Suspends Program for Restructuring Student Loans, S10808 [9OC]

Fed Accompli, E660 [15AP]

Federal Reserve's Pointless Quarter-Point—A Preemptive Strike Against a Non-Threat, S11228 [27OC]

Impact of Interest Rates on Economic Conditions, E740 [24AP]

Mexico Let Suspected Drug Trafficker Move $168 Million Out of Several Banks, S2587 [20MR]

Millennium Bomb Ticks Away, S5270 [3JN]

Stain of Nazi Gold, E886 [8MY]

Wage Inflation? Where? (Labor Statistics Lose Predictive Value), S11224 [27OC], S11440 [30OC]

Whitewater and Watergate, E776 [29AP]

Who's Managing the Money, E1464 [22JY]

Bills and resolutions

Agriculture: provide a safety net for farmers and consumers and promote the development of farmer-owned value-added processing facilities (see S. 26), S159 [21JA]

———treatment of certain payments under the Agricultural Market Transition Act (see H.R. 502), H282 [4FE]

Appropriations: authorizing to pay for U.S. contributions to certain international financial institutions (see S. 1082), S8262 [29JY]

Aviation: guarantee loan interest payments to certain air carriers for aircraft purchases for underserved markets (see S. 1013), S7423 [14JY]

Banking: amend certain laws (see H.R. 1722), H3201 [22MY]

Bankruptcy: consumer protection (see S. 1301), S10882 [21OC]

———define single asset real estate (see H.R. 73), H69 [7JA], H141 [9JA]

———make chapter 12 of bankruptcy code permanent relative to the treatment of farmers' reorganization plans by banks (see S. 1024), S7603 [16JY]

———provide private trustees the right to seek judicial review of U.S. trustee actions related to trustee expenses and trustee removal (see H.R. 2592), H8299 [1OC]

Business and industry: assist in development of microenterprises (see H.R. 1129), H1186 [19MR]

———offer negotiable order of withdrawal accounts to businesses and allow interest payments on demand deposits (see S. 1249), S10319 [3OC]

———offer negotiable order of withdrawal accounts to businesses, allow interest payments on demand deposits and, require FRS to pay interest on certain reserves (see H.R. 2323), H6703 [31JY]

China, People's Republic of: oppose assistance by international financial institutions (see H.R. 87, 2196), H69 [7JA], H141 [9JA], H5486 [17JY]

———oppose concessional loans by international financial institutions (see H.R. 2605), H8320 [2OC]

China, Republic of: admission to multilateral economic institutions (see S. Con. Res. 30), S5109 [23MY]

Colleges and universities: participation in Pell Grant Program relative to Federal Stafford Loan Program default rate (see H.R. 1307), H1439 [10AP]

Commission on Retirement Savings: establish (see H.R. 1695), H3169 [21MY]

Congress: require notification by Federal banking agencies prior to implementation of new accounting standards for derivatives (see S. 1560), S12575 [13NO]

Consolidated Farm Service Agency: disregard debt forgiveness relative to loan and loan servicing limitations (see H.R. 1969), H4085 [19JN]

Consumers: clarify consumer liability for unauthorized transactions involving debit cards (see S. 1154, 1203; H.R. 2234, 2319), S9018 [9SE], S9785 [23SE], H5664 [23JY], H6703 [31JY]

———limit the imposition of additional fees for use of certain automatic teller machines utilizing a national or regional network (see S. 885), S5508 [11JN]

———notification of additional fees for use of certain automatic teller machines utilizing a national or regional network (see H.R. 264), H147 [9JA]

———prevent credit card issuers from advertising and offering one type of credit card and then issuing another type (see H.R. 2662), H8832 [9OC]

———prohibit the imposition of additional fees for use of certain automatic teller machines utilizing a national or regional network (see H.R. 795), H587 [13FE]

———protection from unreasonable credit card fees or interest rates (see H.R. 1975), H4085 [19JN]

———provide protection (see H.R. 1900), H3863 [17JN]

———require additional disclosures of the terms of rental-purchase agreements (see H.R. 2019, 3060), H4338 [24JN], H10954 [13NO]

Courts: appointment of additional bankruptcy judges (see H.R. 1596), H2679 [14MY]

———appointment of additional bankruptcy judges for Maryland (see S. 245), S856 [30JA]

———improve procedures for Federal civil forfeitures (see H.R. 1965), H4085 [19JN]

———protect private property from forfeiture or Government seizure (see H.R. 428), H153 [9JA]

———technical corrections to bankruptcy laws (see H.R. 120, 764), H142 [9JA], H586 [13FE]

Credit: prohibit distribution of negotiable checks or instruments relative to consumer solicitations (see S. 1163; H.R. 2053), S9197 [11SE], H4646 [25JN]

———require notice before changing the interest rate applicable on any credit card account or before changing the index used to determine such rate (see H.R. 3066), H10954 [13NO]

———strengthen and clarify enforcement of fair lending laws relative to redlining and credit allocation (see H.R. 229), H146 [9JA]

Credit unions: allow residents of neighborhoods which are underserved by depository institutions to become members of any Federal credit union with a local branch (see H.R. 57), H68 [7JA], H140 [9JA]

———audit requirements and oversight (see H.R. 2552), H7910 [25SE]

———clarify laws relative to field of membership of Federal credit unions (see H.R. 1151), H1258 [20MR]

———clarify laws relative to field of membership of Federal credit unions and reduce tax rates for qualified community lenders (see H.R. 1121), H1186 [19MR]

Crime: require enhanced security measures relative to surveillance pictures which can be used as evidence in criminal prosecutions (see H.R. 2507), H7600 [18SE]

Cuba: allow cash remittances to relatives in Cuba (see H.R. 285), H148 [9JA]

Depository institutions: availability of credit in disaster areas (see S. 652), S3727 [25AP]

———clarify due process protections applicable to directors and officers of insured institutions (see H.R. 220), H146 [9JA]

Dept. of Agriculture: authorize guaranteed farm ownership loans and guaranteed farm operating loans (see H.R. 2145), H5131 [10JY]

Dept. of Defense: repayment of student loans by students called to active duty (see S. 1534; H.R. 877), S12575 [13NO], H700 [27FE]

Dept. of the Treasury: develop and implement a strategy to combat money laundering and other financial crimes (see S. 1003; H.R. 1756), S7210 [10JY], H3273 [3JN]

———encourage international financial institutions compliance with certain fair labor laws (see H. Res. 334), H10955 [13NO]

Dept. of Veterans Affairs: extend the Native American Veteran Housing Loan Program (see S. 1027), S7710 [17JY]

———guarantee loans to provide multifamily transitional housing for homeless veterans (see H.R. 3039), H10953 [13NO]

———make permanent the Native American Veteran Housing Loan Program (see S. 714; H.R. 2317), S4106 [7MY], H6703 [31JY]

Education: adjust needs analysis to protect more of a student's earnings when determining need for financial aid (see S. 426), S2206 [12MR]

———allow consolidation of direct student loans (see S. 1294; H.R. 2535), S10787 [9OC], H7830 [24SE]

———exempt certain lenders from audit requirements of student loan programs (see H.R. 529), H283 [4FE]

———extend and make uniform student loan repayment plans (see H.R. 2391), H6797 [3SE]

———improve student financial aid programs (see H.R. 2536), H7830 [24SE]

———increase student options for the consolidation of their student loan obligations (see H.R. 2518), H7729 [23SE]

———provide loan forgiveness and cancellation for certain child care and education providers (see S. 1029), S7710 [17JY]

———student financial aid programs (see S. 559, 560), S3011 [10AP]

———student loan reform (see S. 680), S3901 [1MY]

Electronic commerce: recognize digital and other forms of authentication as an alternative to existing paperbased methods and establish uniform national framework for electronic authentication (see H.R. 2937), H10419 [8NO]

Eximbank: reauthorization (see S. 1026; H.R. 1370), S7710 [17JY], H1704 [17AP]

———reauthorization (H.R. 1370), consideration (see H. Res. 255), H8160 [29SE]

———reauthorization (S. 1026), technical corrections in enrollment (see S. Con. Res. 70; H. Con. Res. 198), S12576 [13NO], H10955 [13NO]

Fair Debt Collection Practices Act: improve administration (see H.R. 837), H668 [26FE]

———reduce the cost of credit (see H.R. 1059), H1017 [13MR]

FEC: establish and administer an escrow account for certain campaign contributions (see H.R. 1494), H2090 [30AP]

Federal Home Loan Bank System: reform (see H.R. 31), H67 [7JA], H139 [9JA]

Federal Home Loan Banks: authorize and expand community development activities and grants (see H.R. 1555), H2444 [8MY]

Federal Housing Corp.: establish (see H.R. 2975), H10420 [8NO]

Financial services: increase competition (see S. 298; H.R. 10, 669, 2940), S1226 [11FE], H67 [7JA], H139 [9JA], H451 [11FE], H10419 [8NO]

———increase competition and merge commercial bank and savings association charters (see H.R. 268), H148 [9JA]

Floods: facilitate recovery from Red River flooding through greater flexibility for depository institutions and their regulators (see H.R. 1461), H1891 [24AP]

Foreign policy: adjudication and payment of certain claims against Iraq (see S. 856), S5413 [9JN]

———U.S. participation in certain international financial institutions (see H.R. 1488), H2089 [30AP]

FRS: appointment of Federal reserve bank presidents by Board of Governors (see H.R. 2114), H4913 [8JY]

———expand the opportunity for private enterprise to compete with the Board of Governors in the provision of check-clearing and other services (see H.R. 1442), H1890 [24AP]

———expand the opportunity for private enterprise to compete with the Board of Governors in the transportation of paper checks (see H.R. 2119), H5020 [9JY]

———implement monetary policy using price stability to ensure stable currency and repeal the Full Employment and Balanced Growth Act (see S. 611; H.R. 1396), S3348 [17AP], H1706 [17AP]

———mandate price stability as the primary goal of monetary policy (see H.R. 2360), H6705 [31JY]

———promote accountability and the public interest in operations (see H.R. 1160), H1258 [20MR]

———provide that Federal Reserve Banks be covered by certain regulations relative to labor-management relations (see H.R. 3067), H10954 [13NO]

———stabilization of the currency and public scrutiny of operations (see H.R. 703), H522 [12FE]

Government regulations: reduce recordkeeping and reporting requirements (see H.R. 221), H146 [9JA]

Government relations: provide relief for limited purpose banks from certain outdated restrictions that were intended to be temporary (see H.R. 1655), H2874 [16MY]

Higher Education Act: allow certain small, nonprofit, banks to exceed 50 percent student loan ratio (see S. 1036), S7710 [17JY]

———allow certain small, nonprofit banks to exceed 50 percent student loan ratio (see H.R. 2311), H6406 [30JY]

Housing: extend loan guarantee program for multifamily rental housing in rural areas (see H.R. 28), H67 [7JA], H139 [9JA]

———reauthorize certain rural housing assistance programs (see H.R. 2274), H5826 [25JY]

Income: exemption from the requirement that all Federal payments be made by electronic funds transfer (see S. 874), S5444 [10JN]

International relations: restitution and compensation for certain confiscated properties in former Communist countries (see S. Con. Res. 19; H. Con. Res. 59), S2901 [9AP], H1391 [9AP]

Jump$tart Coalition for Personal Financial Literacy: tribute to personal financial education programs (see S. Res. 88; H. Res. 158), S4879 [21MY], H3203 [22MY]

National Credit Union Administration: provide State credit union representation on Board of Directors (see H.R. 24), H67 [7JA], H139 [9JA]

Native American Financial Services Organization: establish (see S. 818), S5109 [23MY]

OPIC: authority to issue insurance and extend financing (see S. 1032), S7710 [17JY]

Political campaigns: prohibit candidates from accepting unsecured loans from depository institutions regulated under Federal law (see H.R. 783), H587 [13FE]

Postal Service: provide authority to deposit funds in private sector institutions, invest in the open market, and borrow from private credit markets (see S. 1296), S10859 [20OC]

Puerto Rico: relief for certain loans (see H.R. 490), H244 [21JA]

Real estate: extend FHA mortgage insurance program coverage to home equity conversion mortgages for elderly homeowners (see S. 562), S3348 [17AP]

———extend FHA mortgage insurance program coverage to home equity conversion mortgages for elderly homeowners (S. 562), Senate amendment (see H. Res. 329), H10955 [13NO]

———prohibit charging of excessive fees relative to home equity conversion mortgages for elderly homeowners (see H.R. 1474), H1988 [29AP]

———prohibit funding of excessive costs to obtain home equity conversion mortgages (see H.R. 1297), H1438 [10AP]

SBA: establish commission to examine small business credit needs (see H. Con. Res. 85), H3169 [21MY]

———extend certified development company loan guarantee program (see H.R. 1734), H3202 [22MY]

———make Microloan Program permanent (see H.R. 2235), H5777 [24JY]

Securities: quotation of securities transactions in decimals (see S. 838; H.R. 1053), S5341 [5JN], H1016 [13MR]

Social Security: ensure integrity of trust funds (see H.R. 857), H699 [27FE]

———prohibit the imposition of fees on the electronic withdrawal of direct deposited benefits (see H.R. 2454), H7261 [11SE]

States: applicability of host State laws to any branch in such State of an out-of-State bank (see H.R. 1306), H1439 [10AP]

Student Loan Marketing Association: treatment of tax-exempt municipal bonds relative to waiver of redemption premiums (see H.R. 2511, 2530), H7600 [18SE], H7729 [23SE]

Taxation: allow tax credit for equity investments in community development financial institutions (see H.R. 2254), H5777 [24JY]

———exempt certain small businesses from use of electronic fund transfer system for depository taxes (see S. 570; H.R. 722), S3117 [14AP], H522 [12FE]

———exempt small issues from restrictions on the deduction of interest by financial institutions (see H.R. 842), H668 [26FE]

———increase small issuer exemption from pro rata allocation of interest expenses of financial institutions to tax-exempt interest (see H.R. 1665), H3069 [20MY]

———permit loans from individual retirement accounts for housing, education, and medical emergencies (see H.R. 1123), H1186 [19MR]

———restore the prior law exclusion for scholarships and fellowships and the deduction for interest on education loans (see H.R. 319), H149 [9JA]

———treatment of capital gains relative to transactions that are equivalent to sales of financial instruments (see H.R. 846, 1651), H669 [26FE], H2874 [16MY]

———treatment of distributions from qualified retirement plans investing in public benefit bonds (see H.R. 711), H522 [12FE]

———treatment of employer-provided and graduate level educational assistance and interest on education loans (see H.R. 1632), H2783 [15MY]

———treatment of higher education expenses (see S. 930), S5927 [18JN]

———treatment of interest on student loans (see S. 573; H.R. 1465), S3199 [15AP], H1908 [28AP]

———treatment of rollover gain from the sale of farm assets into an individual retirement account (see S. 80; H.R. 1518), S160 [21JA], H2155 [1MY]

———treatment of student loan programs and public-private education partnerships for public educational institutions serving disadvantaged students (see H.R. 1512), H2155 [1MY]

———treatment of student loans (see H.R. 724), H523 [12FE]

Thrift Depositor Protection Oversight Board: abolish (see H.R. 2343), H6704 [31JY]

Truth in Lending Act: require notice of cancellation rights relative to private mortgage insurance (see S. 318; H.R. 607), S1300 [12FE], H347 [5FE]

———simplify credit card payments to governments relative to transaction fees paid to credit card companies (see H.R. 883), H700 [27FE]

U.N.: promote international security by redirecting military spending to human development (see H.R. 1293), H1438 [10AP]

Veterans: prohibit the imposition of fees on the electronic withdrawal of direct deposited benefits (see H.R. 2457), H7261 [11SE]

Cost Estimates

Homeowners Protection Act (S. 318): CBO, S11789 [5NO]

Descriptions

Tax Treatment of Capital Gains Relative to Transactions That are Equivalent to Sales of Financial Instruments (H.R. 846), E334 [26FE]

Factsheets

Jump$tart Coalition for Personal Financial Literacy (H. Res. 158), E1024-E1026 [22MY]

Letters

Applicability of host State laws to any bank branch in such State of an out-of-State bank: Alan Greenspan, FRS, H3089 [21MY]

———Christine Todd Whitman, Governor of New Jersey, H3090 [21MY]

———E. Benjamin Nelson, Governor of Nebraska, H3091 [21MY]

———Fife Symington, Governor of Arizona, H3090 [21MY]

———Gary Locke, Governor of Washington, H3091 [21MY]

———George E. Pataki, Governor of New York, H3092 [21MY]

———John Engler, Governor of Michigan, H3092 [21MY]

———Kirk Fordice, Governor of Mississippi, H3090 [21MY]

———Michael O. Leavitt, Governor of Utah, H3092 [21MY]

———Paul E. Patton, Governor of Kentucky, and Edward T. Schafer, Governor of North Dakota, National Governors' Association, H3090 [21MY]

———Pete Wilson, Governor of California, H3091 [21MY]

———Richard A. Duncan, South Dakota Dept. of Commerce and Regulation, H3091 [21MY]

———Ronald K. Ence and Peter M. Kravitz, Independent Bankers Association of America, H3089 [21MY]

———Terry E. Branstad, Governor of Iowa, H3091 [21MY]

———Thomas R. Carper, Governor of Delaware, H3092 [21MY]

Assets of European Jews in Swiss banks after World War II: George F. Krayer and J.P. Chapuis, Swiss Bankers Association, S3831 [30AP]

———Senator D'Amato, S3831 [30AP]

———Thomas G. Borer, Ambassador of Switzerland, S3831 [30AP]

Availability of credit in disaster areas: Alan Greenspan, FRS, S3942 [5MY]

———John D. Hawke, Jr., Dept. of the Treasury, S3942 [5MY]

———Norman E. D'Amours, National Credit Union Administration, S3988 [6MY]

———Ricki Helfer, FDIC, S3942 [5MY]

College Affordability and Access Act: Stanley O. Ikenberry, American Council on Education, S5952 [19JN]

Emergency Student Loan Consolidation Act: Stanley O. Ikenberry, American Council on Education, S11535 [31OC]

Exempt certain small businesses from use of electronic fund transfer system for depository taxes: Benhamin Y. Cooper, Small Business Legislative Council, S3124 [14AP]

———Elaine Z. Graham and Kathleen O'Leary, National Restaurant Association, S3124 [14AP]

Eximbank assistance to countries with nondemocratic governments: James A. Harmon, Eximbank, H8378 [6OC]

Hope and Opportunity for Postsecondary Education Act: Richard W. Riley, Sec. of Education and Robert Rubin, Sec. of the Treasury, S3051 [10AP]

Relief of Michel Christopher Meili: Senator D'Amato, Committee on Banking, Housing, and Urban Affairs (Senate), S5219 [3JN]

Safeguarding confidential banking and credit union information: several Federal banking regulators, E2312 [10NO]

Sallie Mae First Class Teacher Award: Senator Coverdell, S9510 [17SE]

State regulation of insurance products sold through banks: Bill Schroeder and Myra Jones, E982 [20MY]

———several Representatives, E983 [20MY]

Motions

China, People's Republic of: oppose concessional loans by international financial institutions (H.R. 2605), H10167, H10168 [6NO]

Eximbank: reauthorization (H.R. 1370), H8199, H8203 [30SE]

———reauthorization (S. 1026), H8397 [6OC]

Proposals

Credit Union Growth and Improvement Act, E2299 [10NO]

Remarks in House

African Americans: presence in money management industries, E1464 [22JY]

Bankruptcy: define single asset real estate (H.R. 73), E15 [7JA]

Bloomberg, Michael: American Jewish Committee Herbert Lehman Award recipient, E952 [19MY]

Bucheit International (business): require return of certain holdings from Burgan Bank S.A.K (business), E2235 [8NO]

Business and industry: assist in development of microenterprises (H.R. 1129), H10351 [8NO], E517 [19MR]

China, People's Republic of: oppose concessional loans by international financial institutions (H.R. 2605), H10159-H10169 [6NO]

———oppose concessional loans by international financial institutions (H.R. 2605), motion to recommit, H10167 [6NO]

Clinton, President and Hillary Rodham: investigation of involvement in Whitewater Estates development and Madison Guaranty, H7205 [11SE], E776 [29AP]

Colleges and universities: participation in Pell Grant Program relative to Federal Stafford Loan Program default rate (H.R. 1307), E624 [10AP]

Consumers: effect of credit card debt on economy, H7736 [24SE]

———prohibit the imposition of additional fees for use of certain automatic teller machines utilizing a national or regional network (H.R. 795), E266 [13FE]

———provide protection (H.R. 1900), E1234 [17JN]

Courts: appointment of additional bankruptcy judges (H.R. 1596), H5848, H5854 [28JY]

———technical corrections to bankruptcy laws (H.R. 120), E21 [7JA]

———technical corrections to bankruptcy laws (H.R. 764), H10660-H10663 [12NO]

Credit: strengthen and clarify enforcement of fair lending laws relative to redlining and credit allocation (H.R. 229), E72 [7JA]

Credit unions: audit requirements and oversight (H.R. 2552), E1853 [25SE]

———clarify laws relative to field of membership of Federal credit unions (H.R. 1151), E563 [21MR], E596 [8AP]

———growth and improvement, E2295, E2299 [10NO]

———tribute, E658 [15AP]

Depository institutions: clarify due process protections applicable to directors and officers of insured institutions (H.R. 220), E68 [7JA]

Dept. of Agriculture: authorize guaranteed farm ownership loans and guaranteed farm operating loans (H.R. 2145), E1404 [11JY]

———improve collection of outstanding loans, H5723 [24JY]

Dept. of Education: loan consolidation program report, E2279 [9NO]

Dept. of HUD: Community Development Financial Institutions Fund funding, E1512 [24JY]

Dept. of the Treasury: Community Development Financial Institutions Fund Program funding, H5347-H5362 [16JY]

———Community Development Financial Institutions Fund contracting practices, H8681, H8682 [8OC]

———develop and implement a strategy to combat money laundering and other financial crimes (H.R. 1756), H3280 [4JN]

Dept. of Transportation: Railroad Loan Guarantee Program funding, H5646-H5649 [23JY]

Dept. of Veterans Affairs: make permanent the Native American Veteran Housing Loan Program (H.R. 2317), E2380 [13NO]

Education: allow consolidation of direct student loans (H.R. 2535), H8845-H8850 [21OC], H9065 [23OC], E1836 [24SE], E1856 [25SE], E2114 [29OC]

———exempt certain lenders from audit requirements of student loan programs (H.R. 529), E141 [4FE]

———improve student financial aid programs (H.R. 2536), E1834 [24SE], E1852 [25SE]

———student financial aid programs, H598 [25FE], H2060-H2063, H2065, H2066 [30AP]

———student loan programs, H2083 [30AP], H3166, H3167 [21MY], H8058 [29SE], H9493 [23OC]

———tribute to TRIO programs, E254 [13FE]

Electronic commerce: recognize digital and other forms of authentication as an alternative to existing paperbased methods and establish uniform national framework for electronic authentication (H.R. 2937), E2292 [9NO], E2316 [10NO]

Eximbank: community work requirements for certain members of firms, H8202, H8203 [30SE]

———funding, H6370-H6372 [30JY]

———preferential assistance relative to conduct by firms exporting to the People's Republic of China, H8200-H8202 [30SE]

———prohibit assistance to companies that are at least 50 percent owned by a foreign country or military, H8374-H8377 [6OC]

———prohibit assistance to countries with nondemocratic governments, H8377-H8380 [6OC]

———prohibit assistance to foreign companies that violate U.S. child labor laws, H8382 [6OC]

———prohibit assistance to Russia relative to sale of missile systems to the People's Republic of China, H8380 [6OC]

———reauthorization (H.R. 1370), H7369 [17SE], H7873 [25SE], H8189-H8207 [30SE], H8373-H8383, H8395-H8397 [6OC], E1773, E1774 [17SE], E1951 [7OC], E1978 [8OC]

———reauthorization (H.R. 1370), consideration (H. Res. 255), H8184-H8188 [30SE]

———reauthorization (S. 1026), insert language of H.R. 1370 in lieu, H8397 [6OC]

———rename to U.S. Export Bank, H8205, H8206 [30SE]

FEC: establish and administer an escrow account for certain campaign contributions (H.R. 1494), H2052 [30AP], H4819 [26JN]

Federal Family Education Loan Program: financial institutions' performance of audits on their student loan portfolios, H7083 [9SE]

Federal Home Loan Bank Act: amend the definition of State to include American Samoa (H.R. 904), E359 [3MR]

Federal Home Loan Bank System: reform (H.R. 31), E65 [7JA]

Financial services: increase competition and merge commercial bank and savings association charters (H.R. 268), E81, E87 [9JA]

———increase competition (H.R. 10), H4817 [26JN]

———increase competition (H.R. 669), E217 [11FE], E260 [13FE]

Floods: facilitate recovery from Red River flooding through greater flexibility for depository institutions and their regulators, H2768, H2769 [15MY]

Foreign aid: tribute to Microcredit Program, E384 [5MR]

Foreign policy: support U.S. cooperatives and credit union programs, H6359 [30JY]

———U.S. participation in certain international financial institutions (H.R. 1488), H6358 [30JY]

FRS: expand the opportunity for private enterprise to compete with the Board of Governors in the transportation of paper checks (H.R. 2119), H5457 [17JY]

———impact of interest rates on economic conditions, H1292, H1319 [8AP], H1901-H1906 [28AP], H1911 [29AP], H2481-H2485 [12MY], H2494 [13MY], H2869-H2871 [16MY], E660 [15AP], E740 [24AP]

———investigation of foreign impact on U.S. monetary policy, H2354 [8MY]

Gabuzda, Stella: Founders' Bank (business) Quality of Life Award recipient, E2057 [23OC]

Government regulations: Federal regulation of interstate banking and branching, E676 [16AP]

Guam: anniversary of Bank of Guam (business), E647 [14AP]

Housing: extend loan guarantee program for multifamily rental housing in rural areas (H.R. 28), H1299-H1302 [8AP], E14 [7JA]

Houston, TX: tribute to Fifth Ward Community Redevelopment Corp. and Bank United (business) for receipt of Social Compact (organization) Outstanding Community Investment Award, E870 [7MY]

Information services: safeguard confidential banking and credit union information (H.R. 3003), E2312 [10NO]

International relations: restitution and compensation for certain confiscated properties in former Communist countries (H. Con. Res. 59), E617 [9AP]

Irwin Bank & Trust Co.: anniversary, E1374 [8JY]

Jump$tart Coalition for Personal Financial Literacy: tribute to personal financial education programs (H. Res. 158), E1024 [22MY]

Mechanicsburg, PA: tribute to Members First Federal Credit Union, E1929 [2OC]

National Association of Federal Credit Unions: anniversary, E724 [23AP]

New York, NY: anniversary of Polish & Slavic Federal Credit Union, E713 [21AP]

OPIC: reimbursement by Palestinian Authority for improper use of monetary authority, H6829, H6830 [4SE]

Political campaigns: prohibit candidates from accepting unsecured loans from depository institutions regulated under Federal law (H.R. 783), H643 [26FE]

Real estate: extend FHA mortgage insurance program coverage to home equity conversion mortgages for elderly homeowners (S. 562), H7302-H7309 [16SE]

———extend FHA mortgage insurance program coverage to home equity conversion mortgages for elderly homeowners (S. 562), Senate amendment (H. Res. 329), H10884-H10886 [13NO]

———prohibit charging of excessive fees relative to home equity conversion mortgages for elderly homeowners (H.R. 1474), E785 [29AP]

Roche, Robert: Founders' Bank (business) Quality of Life Award recipient, E2057 [23OC]

Savings and loan associations: bailout, H1094 [18MR]

SBA: extend certified development company loan guarantee program (H.R. 1734), E1047 [22MY]

———make Microloan Program permanent (H.R. 2235), E1506 [24JY]

Securities: quotation of securities transactions in decimals (H.R. 1053), E471, E474 [13MR]

Social Security: ensure integrity of trust funds, H1858-H1865 [24AP]

———ensure integrity of trust funds (H.R. 857), H850 [11MR], H4123 [20JN], H8122, H8123 [29SE], H8447 [7OC], H8702 [8OC], H9792-H9794 [30OC], H9854-H9856 [31OC]

Starr, Kenneth W.: assessment as independent counsel for the Whitewater Estates development and Madison Guaranty investigation, E24 [7JA]

States: applicability of host State laws to any branch in such State of an out-of-State bank (H.R. 1306), H3088-H3095 [21MY], H4230, H4231 [24JN], E982 [20MY]

Student Loan Marketing Association: treatment of tax-exempt municipal bonds relative to waiver of redemption premiums (H.R. 2511), E1794 [18SE]

———treatment of tax-exempt municipal bonds relative to waiver of redemption premiums (H.R. 2530), E1826 [23SE]

Switzerland: assets of European Jews in Swiss banks after World War II, E886 [8MY]

Taxation: treatment of capital gains relative to transactions that are equivalent to sales of financial instruments (H.R. 846), E333 [26FE]

———treatment of distributions from qualified retirement plans investing in public benefit bonds (H.R. 711), H513 [12FE]

———treatment of employer-provided and graduate level educational assistance and interest on education loans, H6658 [31JY]

———treatment of higher education expenses, H3896 [18JN], H4228 [24JN], H4687, H4690, H4691, H4696, H4698, H4700, H4802-H4813 [26JN], H5026, H5027, H5045, H5046 [10JY], H5134 [11JY], H5304, H5398, H5399 [16JY], H5501 [22JY], H5902 [28JY], H6004 [29JY]

———treatment of student loan programs and public-private education partnerships for public educational institutions serving disadvantaged students (H.R. 1512), E832 [5MY]

Thrift Depositor Protection Oversight Board: abolish (H.R. 2343), H7614-H7617 [23SE]

Truth in Lending Act: require notice of cancellation rights relative to private mortgage insurance (H.R. 607), H1557-H1566 [16AP], E699 [17AP]

———simplify credit card payments to governments relative to transaction fees paid to credit card companies (H.R. 883), E351 [27FE]

Remarks in Senate

Agriculture: direct operating loan funds to low-income and minority farmers, S5318 [5JN]

———make chapter 12 of bankruptcy code permanent relative to the treatment of farmers' reorganization plans by banks (S. 1024), S7607 [16JY]

———provide a safety net for farmers and consumers and promote the development of farmer-owned value-added processing facilities (S. 26), S129 [21JA], S788 [29JA]

Bankruptcy: consumer protection (S. 1301), S10884-S10891 [21OC]

———make chapter 12 of bankruptcy code permanent relative to the treatment of farmers' reorganization plans by banks (S. 1024), S11499 [30OC]

———reform, S9406 [16SE]

China, Republic of: admission to multilateral economic institutions (S. Con. Res. 30), S5139 [23MY]

Clinton, President and Hillary Rodham: investigation of involvement in Whitewater Estates development and Madison Guaranty, S7512 [16JY]

Cohen, Brad: Sallie Mae First Class Teacher Award recipient, S9510 [17SE]

Congress: require notification by Federal banking agencies prior to implementation of new accounting standards for derivatives (S. 1560), S12604 [13NO]

Congressional Research Service: tribute to language services section for efforts relative to investigation of assets of European Jews in Swiss banks after World War II, S5548 [11JN]

Consumers: clarify consumer liability for unauthorized transactions involving debit cards (S. 1203), S9786, S9788 [23SE]

———limit the imposition of additional fees for use of certain automatic teller machines utilizing a national or regional network (S. 885), S5531-S5533 [11JN]

Courts: appointment of additional bankruptcy judges for Maryland (S. 245), S879, S880 [30JA]

Credit: prohibit distribution of negotiable checks or instruments relative to consumer solicitations (S. 1163), S9198 [11SE]

Cuba: allow cash remittances to relatives in Cuba and compassionate travel, S7535 [16JY], S7623, S7624 [17JY]

DeParle, Nancy-Ann Min: nomination to be Administrator of the Health Care Financing Administration, S11444 [30OC]

Depository institutions: availability of credit in disaster areas, S3941-S3945 [5MY], S3988, S3989 [6MY], S4093, S4094 [7MY]

———availability of credit in disaster areas (S. 652), S3727-S3729 [25AP]

Dept. of Defense: repayment of student loans by students called to active duty (S. 1534), S12592 [13NO]

———transfer of funds to the Dept. of Education to use for student financial aid programs, S6968, S6969 [8JY]

Dept. of HUD: Community Development Financial Institutions Fund funding, S7854 [22JY]

Dept. of the Treasury: develop and implement a strategy to combat money laundering and other financial crimes (S. 1003), S7212-S7214 [10JY]

Dept. of Veterans Affairs: extend the Native American Veteran Housing Loan Program (S. 1027), S7710 [17JY]

———make permanent the Native American Veteran Housing Loan Program (S. 714), S4114 [7MY], S11790 [5NO], S12488-S12495 [10NO]

Education: adjust needs analysis to protect more of a student's earnings when determining need for financial aid (S. 426), S2206 [12MR]

———allow consolidation of direct student loans (S. 1294), S10807, S10808 [9OC], S11534 [31OC]

———provide loan forgiveness and cancellation for certain child care and education providers (S. 1029), S7714-S7716 [17JY]

———student financial aid programs, S4977-S4980 [22MY]

———student financial aid programs (S. 559), S3035-S3057 [10AP]

———student financial aid programs (S. 560), S3035 [10AP]

———student loan forgiveness relative to community service careers, S6471 [26JN]

———student loan programs, S4860 [21MY], S5033, S5034, S5035 [23MY], S6306-S6308 [25JN]

Eximbank: reauthorization (S. 1026), S9435 [16SE], S11573, S11574 [31OC]

———reauthorization (S. 1026), conference report, S12206 [8NO]

———reauthorization (S. 1026), technical corrections in enrollment (S. Con. Res. 70), S12710 [13NO]

Ferguson, Roger W.: nomination to the FRS Board of Governors, S11435-S11442 [30OC]

Financial services: increase competition (S. 298), S1226-S1228, S1231 [11FE]

Foreign policy: adjudication and payment of certain claims against Iraq (S. 856), S5420 [9JN]

FRS: impact of interest rates on economic conditions, S3257 [16AP], S11222-S11229 [27OC], S11435-S11442 [30OC]

Gramlich, Edward M.: nomination to the FRS Board of Governors, S11435-S11442 [30OC]

Higher Education Act: allow certain small, nonprofit, banks to exceed 50 percent student loan ratio (S. 1036), S7718 [17JY]

Income: exemption from the requirement that all Federal payments be made by electronic funds transfer (S. 874), S5464 [10JN]

International relations: restitution and compensation for certain confiscated properties in former Communist countries (S. Con. Res. 19), S2932 [9AP], S7314 [11JY]

Jump$tart Coalition for Personal Financial Literacy: tribute to personal financial education programs (S. Res. 88), S4899 [21MY]

Native American Financial Services Organization: establish (S. 818), S5133 [23MY]

Postal Service: provide authority to deposit funds in private sector institutions, invest in the open market, and borrow from private credit markets (S. 1296), S10860 [20OC]

Real estate: extend FHA mortgage insurance program coverage to home equity conversion mortgages for elderly homeowners (S. 562), S3057 [10AP], S3712-S3717, S3721 [25AP], S3808 [29AP]

———extend FHA mortgage insurance program coverage to home equity conversion mortgages for elderly homeowners (S. 562), unanimous-consent agreement, S3697 [24AP]

Roads and highways: use of mitigation banking for wetland or natural habitat relative to highway construction, S11032 [23OC]

Rural areas: credit opportunities for nonagricultural businesses, S7023 [8JY]

SBA: allow Microloan Program recipients to use grants for technical assistance to prospective borrowers, S8978 [9SE]

———make Microloan Program permanent, S8971-S8978 [9SE]

———treatment of certain loans relative to certified development companies, S8978 [9SE]

Securities: fraud prevention, S5086 [23MY]

———quotation of securities transactions in decimals (S. 838), S5352 [5JN]

States: applicability of host State laws to any branch in such State of an out-of-State bank (H.R. 1306), S4915 [21MY], S4925 [22MY], S5637-S5639 [12JN]

Switzerland: assets of European Jews in Swiss banks after World War II, S3831-S3832 [30AP], S4255-S4257 [9MY]

Taxation: exempt certain small businesses from use of electronic fund transfer system for depository taxes (S. 570), S3123-S3125 [14AP]

———treatment of higher education expenses, S6427 [26JN], S6696, S6720 [27JN]

———treatment of higher education expenses (S. 930), S5951 [19JN]

———treatment of interest on student loans (S. 573), S3199-S3201 [15AP], S3299 [16AP], S3463 [22AP]

———treatment of rollover gain from the sale of farm assets into an individual retirement account (S. 80), S458, S459 [21JA]

Truth in Lending Act: require notice of cancellation rights relative to private mortgage insurance (H.R. 607), S12681 [13NO]

———require notice of cancellation rights relative to private mortgage insurance (S. 318), S1315 [12FE], S1683 [26FE], S2514 [19MR], S11789 [5NO]

Veterans: participation of mortgage industry in interest rate reduction refinancing loan program, S8737 [3SE]

World Bank: reform, S12530-S12532 [13NO]

Reports filed

Bankruptcy Laws Technical Corrections: Committee on the Judiciary (House) (H.R. 764) (H. Rept. 105-324), H8927 [21OC]

Consideration of H.R. 1370, Eximbank Reauthorization: Committee on Rules (House) (H. Res. 255) (H. Rept. 105-282), H8160 [29SE]

Court Procedures for Federal Civil Forfeitures: Committee on the Judiciary (House) (H.R. 1965) (H. Rept. 105-358), H9799 [30OC]

Emergency Student Loan Consolidation Act: Committee on Education and the Workforce (House) (H.R. 2535) (H. Rept. 105-322), H8927 [21OC]

———Committee on Labor and Human Resources (Senate) (S. 1294) (S. Rept. 105-122), S11341 [29OC]

Eximbank Reauthorization: Committee on Banking, Housing, and Urban Affairs (Senate) (S. 1026) (S. Rept. 105-76), S9080 [10SE]

———Committee on Banking and Financial Services (House) (H.R. 1370) (H. Rept. 105-224), H6702 [31JY]

Family Farmer Protection Act: Committee on the Judiciary (Senate) (S. 1024), S10787 [9OC]

Financial Services Industry Competition Enhancement: Committee on Banking and Financial Services (House) (H.R. 10) (H. Rept. 105-164), H7527 [17SE]

Homeowners Insurance Protection Act: Committee on Banking and Financial Services (House) (H.R. 607) (H. Rept. 105-55), H1610 [16AP]

Homeowners Protection Act: Committee on Banking, Housing, and Urban Affairs (Senate) (S. 318) (S. Rept. 105-129), S11544 [31OC]

Increase Competition in the Financial Services Sector: Committee on Banking and Financial Services (House) (H.R. 10) (H. Rept. 105-164), H4912 [8JY]

Make the Native American Veteran Housing Loan Program of the Dept. of Veterans Affairs Permanent: Committee on Veterans' Affairs (Senate) (S. 714) (S. Rept. 105-123), S11446 [30OC]

Nomination of Dennis Dollar to the National Credit Union Administration Board: Committee on Banking, Housing, and Urban Affairs (Senate), S10625 [8OC]

Nomination of Edward M. Gramlich to the FRS Board of Governors: Committee on Banking, Housing, and Urban Affairs (Senate), S10625 [8OC]

Nomination of Ellen Seidman To Be Director of the OTS: Committee on Banking, Housing, and Urban Affairs (Senate), S10625 [8OC]

Nomination of Roger W. Ferguson to the FRS Board of Governors: Committee on Banking, Housing, and Urban Affairs (Senate), S10625 [8OC]

Nomination of Yolanda Townsend Wheat to the National Credit Union Administration Board: Committee on Banking, Housing, and Urban Affairs (Senate), S2415 [18MR]

OPIC Authority To Issue Insurance and Extend Financing: Committee on Foreign Relations (Senate) (S. 1032), S7708 [17JY]

Thrift Depositor Protection Oversight Board Abolishment Act: Committee on Banking and Financial Services (House) (H.R. 2343) (H. Rept. 105-249), H7527 [17SE]

U.S. Contributions to Certain International Financial Institutions Appropriations: Committee on Foreign Relations (Senate) (S. 1082), S8358 [30JY]

Rulings of the Chair

China, People's Republic of: oppose concessional loans by international financial institutions (H.R. 2605), H10167 [6NO]

Statements

Higher Education Student Financial Aid Programs: Curtis White, E1243 [18JN]

———Evan Pappas, E1243 [18JN]

———Jessa Black, E1243 [18JN]

Student Financial Aid Programs: Mark Olson, E1126 [5JN]

Truth Behind Private Mortgage Insurance: Representative Hansen, H1560 [16AP]

Studies

Personal Bankruptcy Crisis, 1997: SMR Research Corp., H5850-H5854 [28JY]

Summaries

Availability of Credit in Disaster Areas, S3941 [5MY]

Certified Development Company Enhancement and Improvement Act (H.R. 1734), E1047 [22MY]

Depository Institution Disaster Relief Act (S. 652), S3728 [25AP]

Education Opportunities Tax Act (H.R. 1512), E832 [5MY]

Highway Trust Fund Spending Levels, 1998-2002, E974 [19MY]

Increase Competition in the Financial Services Sector (S. 298), S1228-S1231 [11FE]

Increase Financial Services Sector Competition and Merge Commercial Bank and Savings Association Charters (H.R. 268), E88 [9JA]

Tables

Effect of Eximbank reauthorization on GNP and unemployment, H8396 [6OC]

Testimonies

Applicability of Host State Laws to Any Bank Branch in Such State of an Out-of-State Bank: Margarita Prentice, Washington State Senate, H3093 [21MY]

Small Business Start-Up Problems: Carolyn A. Stradley, S3694 [24AP]

Texts of

H. Con. Res. 59, restitution and compensation for certain confiscated properties in former Communist countries, E618 [9AP]

H. Res. 158, tribute to Jump$tart Coalition for Personal Financial Literacy personal financial education programs, E1024 [22MY]

H. Res. 255, consideration of H.R. 1370, Eximbank reauthorization, H8184 [30SE]

H. Res. 329, Senate amendment to S. 652, Senior Citizen Home Equity Protection Act, H10884 [13NO]

H.R. 28, Rural Multifamily Rental Housing Loan Guarantee Extensions Act, H1299 [8AP]

H.R. 607, Homeowners Insurance Protection Act, H1557 [16AP]

H.R. 764, technical corrections to bankruptcy laws, H10660 [12NO]

H.R. 904, amend Federal Home Loan Bank Act definition of State to include American Samoa, E359 [3MR]

H.R. 1306, applicability of host State laws to any bank branch in such State of an out-of-State bank, H3088 [21MY]

H.R. 1370, Eximbank reauthorization, H8198 [30SE]

H.R. 1596, Bankruptcy Judgeship Act, H5848 [28JY]

H.R. 2145, guaranteed farm ownership loans and guaranteed farm operating loans authorization, E1405 [11JY]

H.R. 2343, Thrift Depositor Protection Oversight Board Abolishment Act, H7614 [23SE]

H.R. 2535, Emergency Student Loan Consolidation Act, H8845 [21OC]

H.R. 2605, Communist China Subsidy Reduction Act, H10159 [6NO]

S. 26, Agricultural Safety Net Act, S388 [21JA]

S. 80, Family Farm Retirement Equity Act, S458 [21JA]

S. 318, Homeowners Protection Act, S1316 [12FE]

S. 559, Hope and Opportunity for Postsecondary Education Act, S3035-S3051 [10AP]

S. 562, Housing Programs Extension Act, H7302-H7304 [16SE]

S. 562, Senior Citizen Home Equity Protection Act, S3057 [10AP], S3714 [25AP], S12457-S12460 [10NO]

S. 570, exempt certain small businesses from use of electronic fund transfer system for depository taxes, S3124 [14AP]

S. 714, make permanent the Native American Veteran Housing Loan Program, S11791 [5NO]

S. 714, make permanent the Native American Veteran Housing Loan Program of the Dept. of Veterans Affairs, S4114 [7MY]

S. 818, Native American Financial Services Organization, S5134-S5137 [23MY]

S. 885, Fair ATM Fees for Consumers Act, S5531 [11JN]

S. 1003, Money Laundering and Financial Crimes Strategy Act, S7212-S7214 [10JY]

S. 1024, Family Farmer Protection Act, S11499 [30OC]

S. 1026, Eximbank reauthorization, H8397 [6OC]

S. 1027, Native American Veteran Housing Loan Program extension, S7711 [17JY]

S. 1029, Quality Child Care Loan Forgiveness Act, S7714 [17JY]

S. 1203, Debit Card Consumer Protection Act, S9787 [23SE]

S. 1296, Postal Financing Reform Act, S10860 [20OC]

S. 1301, Consumer Bankruptcy Reform Act, S10885-S10890 [21OC]

S. 1534, repayment of student loans by students called to active military duty, S12592 [13NO]

S. Con. Res. 19, restitution and compensation for certain confiscated properties in former Communist countries, S2932 [9AP]

S. Con. Res. 30, admission of the Republic of China to multilateral economic institutions, S5139 [23MY]

S. Con. Res. 70, technical corrections in enrollment of S. 1026, Eximbank reauthorization, S12616, S12711 [13NO]

S. Res. 88, tribute to Jump$tart Coalition for Personal Financial Literacy personal financial education programs, S4898 [21MY]