CREDIT

Amendments

Agriculture: continue certain programs (S. 1731), S12458 [5DE], S12779 [10DE], S12834, S12870, S12871, S12970, S12983 [11DE], S13001, S13020, S13032, S13037, S13038, S13039, S13058, S13059, S13060, S13063, S13064, S13065, S13066, S13067, S13068, S13069 [12DE], S13087, S13093, S13102, S13104, S13110, S13158, S13159, S13168, S13171, S13172, S13175, S13176, S13177, S13178, S13179, S13181, S13182, S13183, S13184, S13188, S13192, S13193, S13194, S13196, S13197, S13198, S13199, S13201, S13202, S13203, S13204, S13221, S13222, S13223, S13224 [13DE], S13247, S13251, S13259, S13260, S13265, S13305, S13307, S13308, S13309 [14DE], S13359 [17DE], S13471, S13472, S13474, S13475, S13476, S13477, S13478, S13488, S13489, S13498, S13499, S13500, S13501, S13502, S13503, S13504, S13505, S13507, S13592, S13639 [18DE], S13649, S13713, S13757, S13758, S13759, S13760 [19DE]

———strengthen producers' safety net, enhance resource conservation and rural development, fund farm credit, agricultural research, nutrition, and related programs, and ensure consumers abundant food and fiber (S. 1628), S12058 [27NO]

SBA: authorize loans to small businesses and certain other businesses that suffered substantial economic injury as a result of terrorist attacks on the World Trade Center, Pentagon, and Somerset County, PA (S. 1499), S11731 [13NO]

Analyses

Homestead Preservation Act (S. 1848), S13704 [19DE]

Articles and editorials

Charged With Teaching Young People To Save—Educational Campaign Attempts To Give Students Basic Financial Survival Skills, Including Handling Credit, S4959 [15MY]

Credit Crunch Imperils the Economy, S13927 [20DE]

Curb on Sale of Consumer Data Upheld, S4595 [9MY]

Debt Smothers Young Americans, S4959-S4961 [15MY]

FTC Sues Lending Unit of Citigroup, S1944 [7MR]

Know Your Customer, E172 [13FE]

Kyl Accused of Blocking Aid Bill, S13928 [20DE]

Lenders Share the Blame, E1393 [23JY]

Protectors of Airports Seek Financial Protection Themselves, S12608 [7DE]

Ripples of Sept. 11 Widen in Retailing, S12822 [11DE]

Slowdown in Lending Activity, S13927 [20DE]

Sometimes a Deal Is Too Good To Be True, S1943 [7MR]

Son's Debt Plagues Dad for 7 Years, S2037 [8MR]

U.S. Agricultural Bill Will Go Against the Grain Worldwide—Proposals To Increase Subsidies for Farmers Could Violate WTO Rules, S13917 [20DE]

Bills and resolutions

Agricultural Market Transition Act: extend the expansion of producers eligible for loan deficiency payments (see S. 923), S5269 [21MY] (see H.R. 2027), H2847 [25MY]

Agriculture: continue certain programs (see S. 1731), S12054 [27NO]

———continue eligibility of producers for loan deficiency payments when the producers produce a contract commodity (see H.R. 2089), H2956 [6JN]

———establish a flexible fallow program under which farmers can devote a portion of acreage to conservation use and receive a higher loan rate on their remaining crop production (see S. 130), S101 [22JA] (see H.R. 32), H25 [3JA]

———extend eligibility for loan deficiency payments and payments in lieu of loan deficiency payments (see S. 1072), S6518 [20JN]

———increase maximum amount of marketing loan gains and loan deficiency payments that an agricultural producer may receive during the crop year (see H.R. 337, 338), H163 [31JA]

———payment of special loan deficiency payments to eligible producers who have suffered yield losses due to damaging weather or disasters (see H.R. 34), H25 [3JA]

———repeal peanut quotas, reduce peanut loan rates, and require the Dept. of Agriculture to purchase peanuts for nutrition programs (see H.R. 2164), H3150 [13JN]

———strengthen producers' safety net, enhance resource conservation and rural development, fund farm credit, agricultural research, nutrition, and related programs, and ensure consumers abundant food and fiber (see S. 1628), S11413 [2NO]

Arbitration: prohibit unilateral imposition of mandatory binding arbitration in consumer credit transactions (see S. 192), S568 [25JA]

Bankruptcy: extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (see S. 993), S5889 [6JN] (see S. 1630), S11437 [5NO] (see H.R. 188), H62 [6JA] (see H.R. 256), H109 [30JA] (see H.R. 1914), H2334 [17MY] (see H.R. 2870), H5487 [10SE] (see H.R. 2914), H5925 [21SE]

———permanently reenact chapter 12 of the bankruptcy code relative to family farmers (see S. 178), S568 [25JA]

Business and industry: allow a grace period for payment of bills by consumers whose mail service has been disrupted due to hazardous substance attacks (see H.R. 3217), H7717 [1NO] (see H.R. 3251), H7909 [7NO]

Children and youth: promote financial education (see S. 807), S4099 [1MY] (see H.R. 61), H26 [3JA]

Colleges and universities: reduce the costs of Federal student loans to students and their families (see H.R. 1622), H1659 [26AP]

Consumers: adjust statutory exemptions and civil penalties to reflect inflation and eliminate certain rules in accounting for interest rebates in consumer credit transactions (see H.R. 1054), H953 [15MR]

———allow any consumer to receive a free credit report annually from any consumer reporting agency (see H.R. 2031), H2847 [25MY]

———prohibit distribution of negotiable checks or instruments in consumer solicitations and limit liability of consumers in conjunction with such solicitations (see H.R. 1058), H953 [15MR]

———protect from payday lenders demanding exorbitant interest rates and participating in other unfair practices (see H.R. 1319), H1344 [29MR]

———protect from predatory mortgage lending practices (see H.R. 1051), H953 [15MR] (see H.R. 2531), H4112 [17JY]

———protect from the adverse consequences of incomplete and inaccurate consumer credit reports (see H.R. 1176), H1113 [22MR]

———require disclosure of terms of rental-purchase agreements (see H.R. 1701), H1923 [3MY] (see H.R. 2498), H4009 [12JY]

———requirements on credit card issuers relative to mailing of monthly statements (see H.R. 296), H110 [30JA]

Credit cards: consumer protections (see H.R. 1052), H953 [15MR]

———impose a temporary cap on interest rates (see H.R. 3125, 3126), H6780 [12OC]

———prevent issuers from taking advantage of traditional college students and protect parents of such students (see H.R. 184), H62 [6JA]

———protect consumers from unreasonable credit card fees or interest rates (see H.R. 2032), H2847 [25MY]

———regulate issuance to individuals under 21 years of age (see S. 891), S4940 [15MY]

Crime: prevent identity fraud (see S. 1399), S9122 [5SE]

———prevent identity fraud in consumer credit transactions and credit reports (see H.R. 3053), H6421 [5OC]

———prevent identity theft and mitigate the harm to victimized individuals (see S. 1742), S12161 [29NO]

Dept. of Agriculture: improve agricultural credit programs (see H.R. 2653), H4723 [26JY]

Dept. of HUD: conduct a study of developing residential mortgage programs that provide low-cost health insurance in connection with low-cost mortgages (see H.R. 1222), H1188 [27MR]

Dept. of Labor: provide temporary mortgage assistance to workers displaced due to international competition (see S. 1848), S13700 [19DE]

Dept. of Veterans Affairs: establish uniformity in fees charged qualifying members of the Selected Reserve and active duty veterans for guaranteed home loans (see H.R. 2095), H2996 [7JN]

———extend the Native American Veteran Housing Loan Program (see H.R. 1929), H2387 [21MY]

———make permanent the Native American Veteran Housing Loan Program (see S. 228), S914 [31JA]

Education: qualify Armed Forces members for student loan forgiveness under the Federal Perkins Loan Program (see H.R. 343), H164 [31JA]

———qualify public defenders for student loan forgiveness under the Federal Perkins Loan Program (see S. 1112), S6991 [27JN]

———repeal limitation on financial aid for telecommunication courses (see H.R. 1349), H1408 [3AP]

Emergency Steel Loan Guarantee Act: clarify the definition of qualified steel company (see H.R. 3454), H9239 [11DE]

———revise eligibility and other requirements for loan guarantees (see S. 1884), S13943 [20DE] (see H.R. 3428), H9077 [6DE] (see H.R. 3559), H10963 [20DE]

Fair Credit Reporting Act: ensure that the statute of limitations for actions on identity theft doesn't start until the consumer discovers the problem (see S. 1723), S12001 [16NO] (see H.R. 3368, 3369), H8564 [28NO] (see H.R. 3387), H8746 [30NO]

———exempt certain communications from the definition of consumer reports (see H.R. 1543), H1554 [24AP]

———provide for disclosure of credit-scoring information by creditors and consumer reporting agencies (see S. 1242), S8203 [25JY]

Fair Debt Collection Practices Act: exempt mortgage servicers from certain requirements relative to Federal mortgage loans secured by a first lien (see H.R. 163), H61 [6JA]

Federal Deposit Insurance Act: require periodic cost-of-living adjustments to the maximum amount of deposit insurance available (see S. 128), S101 [22JA] (see H.R. 746), H441 [27FE]

FHA: clarify authority to terminate mortgagee origination approval for poorly performing mortgagees (see S. 1195), S7878 [18JY]

———require partial rebates of mortgage insurance premiums to certain mortgagors upon payment of their FHA-insured mortgages (see S. 607), S2823 [23MR]

Financial institutions: prohibit federally insured institutions from engaging in high-cost payday loans and expand protections for consumers in connection with the making of such loans by uninsured entities (see H.R. 1055), H953 [15MR]

———prohibit predatory lending practices (see H.R. 1060), H953 [15MR]

———safeguard consumers relative to use of certain debit cards (see H.R. 1825), H2147 [14MY]

———safeguard the public from fraud and streamline and facilitate efforts of Federal and State regulators to share antifraud information (see H.R. 1408), H1482 (see H.R. 1408), H1492 [4AP]

———strengthen consumer control over use and disclosure of personal financial and health information (see S. 30), S98 [22JA] (see S. 450), S1747 [1MR]

———strengthen consumer protections and prohibit predatory lending practices (see H.R. 3607), H10965 [20DE]

———use national standard for protection of personal financial information and establish Presidential commission to study impact on national security (see H.R. 3068), H6458 [9OC]

Firefighters: provide mortgage assistance (see H.R. 3358), H8563 [28NO]

Gambling: expand and modernize the prohibition against interstate gambling (see H.R. 3215), H7717 [1NO]

Hazardous substances: prohibit creditors from penalizing consumers with late fees, increased interest rates, or adverse credit reports, whose mail service has been disrupted due to hazardous substance attacks (see H.R. 3175), H7357 [29OC]

Higher Education Act: establish fixed interest rates for student and parent borrowers and extend current law relative to special allowances for lenders (see S. 1762), S12368 [4DE]

———make certain student loan interest rate formulas permanent (see H.R. 2781), H5336 [2AU]

Housing: extend FHA-insured multifamily housing mortgage and housing assistance restructuring authority (see S. 1457), S9741 [24SE] (see H.R. 2890), H5703 [14SE]

———provide for one percent FHA mortgage loan downpayments for teachers and public safety officers to purchase homes within employing jurisdictions (see S. 417), S1699 [28FE] (see H.R. 674), H396 [14FE]

———provide home ownership assistance to public safety officers and teachers (see H.R. 3191), H7591 [31OC]

———reduce the downpayment required by a first-time homebuyer purchasing a home with a mortgage insured under the National Housing Act (see H.R. 859), H628 [5MR]

———simplify the downpayment requirements for FHA mortgage insurance for single family homebuyers (see H.R. 858), H628 [5MR]

Minorities: reduce the impact of predatory lending on minorities (see H.R. 1053), H953 [15MR]

Motor vehicles: enhance advertising of terms and costs of car leases and permit consumer comparison of advertised lease offerings (see H.R. 1056), H953 [15MR]

National Gambling Impact Study Commission: implement recommendations relative to availability of cash through automatic teller machines in gambling establishments (see H.R. 2572), H4352 [19JY]

Native Americans: improve effectiveness of the Indian Loan Guarantee and Insurance Program (see H.R. 3407), H8948 [5DE]

Privacy: prohibit the sale and purchase of Social Security numbers by financial institutions and define such numbers as nonpublic personal information (see S. 324), S1394 [14FE]

———prohibit the sale or purchase of Social Security numbers (see S. 451), S1747 [1MR]

———require consent of an individual prior to the sale and marketing of personally identifiable information (see S. 1055), S6318 [14JN]

SBA: authorize loans to small businesses and certain other businesses that suffered substantial economic injury as a result of terrorist attacks on the World Trade Center, Pentagon, and Somerset County, PA (see S. 1499), S10287 [4OC] (see H.R. 2961), H6055 [25SE] (see H.R. 3011), H6259 [3OC] (see H.R. 3073), H6504 [10OC] (see H.R. 3085), H6700 [11OC] (see H.R. 3230), H7851 [6NO] (see H.R. 3308), H8248 [15NO]

Ships and vessels: improve the recording and discharging of maritime liens and expand the American Merchant Marine Memorial Wall of Honor (see H.R. 1098), H1010 [20MR]

Small business: exempt from loan guarantee fees concerns owned and controlled by veterans who have been recently discharged or released from military service (see H.R. 3263), H7959 [8NO]

———forgive interest payments on certain disaster loans and provide tax relief for concerns in the aftermath of terrorist attacks (see S. 1493), S10154 [3OC]

———permit the collection of demographic information in connection with small business loan applications (see H.R. 3372), H8731 [29NO]

Social Security: enhance privacy protections for individuals and prevent fraudulent misuse of account numbers (see S. 1014), S6127 [12JN] (see H.R. 2036), H2847 [25MY]

———limit the misuse of Social Security numbers and establish criminal penalties for such misuse (see S. 848), S4589 [9MY]

Soldiers' and Sailors' Civil Relief Act: ensure coverage of National Guard troops mobilized for support services in the aftermath of terrorist attacks (see S. 1680), S11719 [13NO] (see H.R. 3436), H9077 [6DE]

Taxation: allow a deduction for premiums on private mortgage insurance (see H.R. 149), H60 [6JA]

———allow first-time homebuyers to use tax-exempt loans from individual retirement accounts for downpayments (see H.R. 2022), H2847 [25MY]

———allow use of principal repayments to issue additional mortgages and modify price limitations under the mortgage revenue bond program and change income limit for housing credit program (see S. 677), S3274 [2AP] (see H.R. 951), H826 [8MR]

———exclude from gross income discharges of indebtedness attributable to certain forgiven residential mortgage obligations (see S. 1282), S8464 [31JY] (see H.R. 13), H25 [3JA]

———exclude from gross income payments made under Dept. of Defense programs for the repayment of student loans of members of the Armed Forces (see H.R. 152), H60 [6JA]

———exempt small issue bonds for agriculture from the State volume cap (see S. 370), S1463 [15FE]

———improve access to tax-exempt debt for small non-profit health care and educational institutions (see S. 1038), S6318 [14JN]

———make Hope Scholarship and Lifetime Learning Credits refundable and allow taxpayers to obtain short-term student loans by using the future refund of such credits as collateral for the loans (see H.R. 414), H218 [7FE]

———permanently extend research credit and adjust the alternative incremental credit rates (see S. 41), S98 [22JA] (see H.R. 41), H25 [3JA]

———phase in a full estate tax deduction for family-owned business interests and increase the unified credit exemption (see S. 179), S568 [25JA]

———provide a higher purchase price limitation applicable to mortgage subsidy bonds based on median family income (see H.R. 43), H26 [3JA]

———restore partial deduction for personal interest to encourage economic recovery and avoid the need to borrow against home equity (see H.R. 2969), H6056 [25SE]

———treatment of higher education expenses (see S. 687), S3435 [4AP] (see H.R. 1777), H2081 [9MY]

———treatment of higher education expenses and interest on student loans (see S. 888), S4940 [15MY] (see H.R. 342), H164 [31JA]

———treatment of interest on student loans (see S. 152), S456 [23JA] (see H.R. 678), H396 [14FE]

Truth in Lending Act: prohibit finance charges for on-time payments (see S. 539), S2388 [15MR]

———require stores offering credit or charge accounts to prominently display certain information (see H.R. 605), H324 [13FE]

Veterans: extend eligibility of former members of the Selected Reserve for veterans housing loans (see S. 781), S3994 [26AP] (see H.R. 2247), H3356 [20JN]

———increase rates of disability compensation for veterans with service-connected disabilities and dependency and indemnity compensation for survivors of certain disabled veterans and modify home loan programs (see S. 1488), S10154 [3OC]

———provide housing loan benefits for the purchase of residential cooperative apartment units (see S. 1203), S7955 [19JY] (see H.R. 1808), H2141 [10MY]

———treatment of pension income, benefits for fugitive or incarcerated veterans, home loan guaranty amounts, and certain benefit authorities (see S. 1093), S6664 [22JN]

Cloture motions

Agriculture: continue certain programs (S. 1731), S13040 [12DE], S13112 [13DE], S13349 [17DE], S13423 [18DE], S13658 [19DE]

———continue certain programs (S. 1731), motion to proceed, S12271 [30NO], S12406 [5DE]

Cost Estimates

Chapter 12 of the bankruptcy code reenactment period extension relative to family farmers (H.R. 256): CBO, H448 [28FE]

Descriptions

Small Business Leads to Economic Recovery Act (S. 1493), S10163-S10165 [3OC]

Letters

Access and Openness in Small Business Lending Act: National Community Reinvestment Coalition, H8631 [29NO]

Agriculture, Conservation, and Rural Enhancement Act: several agricultural, commodity, and lender organizations, S12762 [10DE], S13035 [12DE]

American Small Business Emergency Relief and Recovery Act: Anthony R. Wilkinson, National Association of Government Guaranteed Lenders, Inc., S12046 [27NO], S13928 [20DE]

———Donald J. Borut, National League of Cities, S12046 [27NO]

———R. Bruce Josten, U.S. Chamber of Commerce, S12046 [27NO]

———Senator Kerry, S13044 [12DE]

———Steven C. Anderson and Lee Culpepper, National Restaurant Association, S12046 [27NO]

Bankruptcy treatment and definition of luxury goods: several women's and children's organizations, S2338 [15MR]

Dept. of Agriculture review of Federal agency actions affecting agricultural producers: several agricultural organizations, S13036 [12DE]

Ensure Soldiers' and Sailors' Civil Relief Act coverage of National Guard troops mobilized for support services in the aftermath of terrorist attacks: Eugene R. Andreotti, Minnesota Dept. of Military Affairs, S12611 [7DE]

———Michael P. Cline, Enlisted Association of the National Guard of the U.S., S12612 [7DE]

———Military Coalition, S12610, S12611 [7DE]

Financial Information Privacy Protection Act: several consumer organizations, S306 [22JA]

Financial Services Antifraud Network Act: Representative Combest, Committee on Agriculture (House), H7744 [6NO]

———Representative Oxley, Committee on Financial Services (House), H7744 [6NO]

Loans to small businesses and certain other businesses that suffered substantial economic injury as a result of terrorist attacks: John Taylor, National Community Reinvestment Coalition, S10291 [4OC]

Repeal peanut quotas, reduce peanut loan rates, and require the Dept. of Agriculture to purchase peanuts for nutrition programs: Lawrence J. Dyckman, GAO, H6407-H6409 [5OC]

SBA loan assistance programs funding: Agnes Noonan, Association of Women's Business Centers, S3659 [6AP]

———Andrea C. Silbert, Association of Women's Business Centers, S3659 [6AP]

———Anthony R. Wilkinson, National Association of Government Guaranteed Lenders, Inc., S3658 [6AP]

———Charmian Rosales, S3659 [6AP]

———Donald T. Wilson, Association of Small Business Development Centers, S3658 [6AP]

———Independent Community Bankers of America, S3658 [6AP]

———Maritza Rivera, U.S. Hispanic Chamber of Commerce, S3658 [6AP]

Treatment of certain spousal income for purposes of bankruptcy means testing: Charles C. Shainberg, American Academy of Matrimonial Lawyers, S2346 [15MR]

Underage Consumer Credit Protection Act: Frank Torres, Consumers Union, Travis Plunkett, Consumer Federation of America, and Ed Mierzwinski, U.S. Public Interest Research Group, S4959 [15MY]

Veterans' Benefits Act: Anthony J. Principi, Sec. of Veterans Affairs, S10157 [3OC]

Lists

Cosponsors of S. 1499, American Small Business Emergency Relief and Recovery Act, S12046 [27NO]

Organizations supporting H.R. 3372, Access and Openness in Small Business Lending Act, H8631 [29NO]

Supporters of S. 1499, American Small Business Emergency Relief and Recovery Act, S13927 [20DE]

Motions

Agriculture: continue certain programs (S. 1731), S12271 [30NO], S12842 [11DE], S12995, S13020 [12DE], S13423, S13455, S13456 [18DE]

Press releases

Senate Presented With Path to Speedy Farm Bill Conclusion—Arkansas Senator Tim Hutchinson Moves for Vote on House-Based Bill: Committee on Agriculture (House), S13651 [19DE]

Remarks in House

Agriculture: allow peanut producers to obtain marketing assistance loans and loan deficiency payments through an approved marketing association of peanut producers or the Farm Service Agency, H6225 [3OC]

———continue eligibility of producers for loan deficiency payments when the producers produce a contract commodity, H3907, H3908 [11JY]

———establish a flexible fallow program under which farmers can devote a portion of acreage to conservation use and receive a higher loan rate on their remaining crop production, H6277, H6278 [4OC]

———repeal peanut quotas, reduce peanut loan rates, and require the Dept. of Agriculture to purchase peanuts for nutrition programs, H6407 [5OC]

Bankruptcy: clarify definition of family fishermen, H4954 [31JY]

———discourage predatory lending practices, E274 [5MR]

———extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers, H6270 [4OC]

———extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (H.R. 1914), H2903, H2904 [6JN]

———extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (H.R. 256), H447-H449 [28FE]

———provide additional protections under chapter 12 of bankruptcy code to family farmers and extend protections to family fishermen, H4953, H4954 [31JY]

Colleges and universities: reduce the costs of Federal student loans to students and their families (H.R. 1622), E659 [26AP]

Committee on Financial Services (House): establish, H9, H12-H15 [3JA]

Consumers: adjust statutory exemptions and civil penalties to reflect inflation and eliminate certain rules in accounting for interest rebates in consumer credit transactions (H.R. 1054), E379 [15MR]

———prohibit distribution of negotiable checks or instruments in consumer solicitations and limit liability of consumers in conjunction with such solicitations (H.R. 1058), E379 [15MR]

———protect from payday lenders demanding exorbitant interest rates and participating in other unfair practices (H.R. 1319), E492 [29MR]

———protect from predatory mortgage lending practices (H.R. 1051), E379 [15MR]

Credit cards: consumer protections (H.R. 1052), E379 [15MR]

———limit issuance to underage consumers, H599, H600 [1MR], E274 [5MR]

———prevent issuers from taking advantage of traditional college students and protect parents of such students (H.R. 184), H1275, H1277 [28MR], E2 [3JA]

Dept. of Education: provide student loan relief to students who are relocated or called up to active military duty, or directly affected by terrorist attacks, E1854 [11OC]

Dept. of Veterans Affairs: establish uniformity in fees charged qualifying members of the Selected Reserve and active duty veterans for guaranteed home loans (H.R. 2095), E1053 [7JN]

———extend the Native American Veteran Housing Loan Program, H4905 [31JY], H9147 [11DE]

Federal Deposit Insurance Act: require periodic cost-of-living adjustments to the maximum amount of deposit insurance available (H.R. 746), E219 [27FE]

FHA: prohibit raising multifamily housing mortgage insurance premiums to an amount greater than cost, H4851, H4852 [30JY]

———prohibit raising multifamily housing mortgage insurance premiums to an amount greater than cost through reductions in Dept. of HUD Operation Safe Home program, H4853-H4855 [30JY]

Financial institutions: prohibit federally insured institutions from engaging in high-cost payday loans and expand protections for consumers in connection with the making of such loans by uninsured entities (H.R. 1055), E379 [15MR]

———prohibit predatory lending practices (H.R. 1060), E379 [15MR]

———safeguard the public from fraud and streamline and facilitate efforts of Federal and State regulators to share antifraud information (H.R. 1408), H7732-H7745 [6NO], E577 [5AP]

———strengthen consumer protections and prohibit predatory lending practices (H.R. 3607), E2393 [20DE]

———use national standard for protection of personal financial information and establish Presidential commission to study impact on national security (H.R. 3068), E1830 [9OC]

Gambling: expand and modernize the prohibition against interstate gambling (H.R. 3215), E1988 [2NO], E2060 [13NO]

Higher Education Act: establish fixed interest rates for student and parent borrowers and extend current law relative to special allowances for lenders (S. 1762), H10887-H10891 [19DE], H10937, H10938 [20DE], E2400 [20DE]

———make certain student loan interest rate formulas permanent (H.R. 2781), E1555 [3AU]

Housing: increase FHA multifamily loan limits, H7933, H7936, H7939 [8NO]

———provide for one percent FHA mortgage loan downpayments for teachers and public safety officers to purchase homes within employing jurisdictions (H.R. 674), E176 [14FE]

———reduce the downpayment required by a first-time homebuyer purchasing a home with a mortgage insured under the National Housing Act (H.R. 859), E329 [8MR]

———simplify the downpayment requirements for FHA mortgage insurance for single family homebuyers (H.R. 858), E329 [8MR]

Minorities: reduce the impact of predatory lending on minorities (H.R. 1053), E379 [15MR]

Motor vehicles: enhance advertising of terms and costs of car leases and permit consumer comparison of advertised lease offerings (H.R. 1056), E379 [15MR]

National Gambling Impact Study Commission: implement recommendations relative to availability of cash through automatic teller machines in gambling establishments (H.R. 2572), E1376 [20JY]

SBA: authorize loans to small businesses and certain other businesses that suffered substantial economic injury as a result of terrorist attacks on the World Trade Center, Pentagon, and Somerset County, PA, H8523, H8524 [28NO]

———authorize loans to small businesses and certain other businesses that suffered substantial economic injury as a result of terrorist attacks on the World Trade Center, Pentagon, and Somerset County, PA (H.R. 2961), E1737 [25SE]

———authorize loans to small businesses and certain other businesses that suffered substantial economic injury as a result of terrorist attacks on the World Trade Center, Pentagon, and Somerset County, PA (H.R. 3230), E2005 [6NO]

Ships and vessels: improve the recording and discharging of maritime liens and expand the American Merchant Marine Memorial Wall of Honor (H.R. 1098), H1023-H1025 [21MR]

Small business: permit the collection of demographic information in connection with small business loan applications (H.R. 3372), H8571, H8630 [29NO], E2169, E2176 [29NO]

Social Security: enhance privacy protections for individuals and prevent fraudulent misuse of account numbers (H.R. 2036), E988 [26MY]

Taxation: allow first-time homebuyers to use tax-exempt loans from individual retirement accounts for downpayments (H.R. 2022), E978 [25MY]

———allow use of principal repayments to issue additional mortgages and modify price limitations under the mortgage revenue bond program and change income limit for housing credit program (H.R. 951), E316 [8MR]

———restore partial deduction for personal interest to encourage economic recovery and avoid the need to borrow against home equity (H.R. 2969), E1740 [25SE]

———treatment of higher education expenses (H.R. 1777), E766 [10MY]

Visa International Service Association: tribute to Practical Money Skills for Life financial literacy program, E1495 [2AU]

Remarks in Senate

Agricultural Market Transition Act: extend the expansion of producers eligible for loan deficiency payments (S. 923), S5278 [21MY]

Agriculture: continue certain programs, S11988-S11990 [16NO]

———continue certain programs (S. 1731), S12030, S12031 [27NO], S12069, S12070 [28NO], S12137, S12138 [29NO], S12409-S12426, S12434-S12436 [5DE], S12756, S12757, S12762-S12768 [10DE], S12821, S12826-S12853 [11DE], S12989-S12996, S13000-S13041 [12DE], S13079-S13099, S13101-S13112, S13116-S13118, S13138-S13140 [13DE], S13245-S13275, S13286 [14DE], S13422-S13459, S13643, S13644 [18DE], S13647-S13664 [19DE], S13915-S13918, S14044 [20DE]

———continue certain programs (S. 1731), motion to proceed, S12271 [30NO], S12400-S12406 [5DE]

———continue certain programs (S. 1731), unanimous-consent agreement, S12439 [5DE], S12852 [11DE], S13092 [13DE]

———continue certain programs (S. 1731), unanimous-consent request, S12768 [10DE]

———establish a flexible fallow program under which farmers can devote a portion of acreage to conservation use and receive a higher loan rate on their remaining crop production (S. 130), S2575 [20MR]

———strengthen producers' safety net, enhance resource conservation and rural development, fund farm credit, agricultural research, nutrition, and related programs, and ensure consumers abundant food and fiber (S. 1628), S11413 [2NO]

Arbitration: prohibit unilateral imposition of mandatory binding arbitration in consumer credit transactions (S. 192), S586 [25JA]

Bankruptcy: conduct study on small business bankruptcies and make proceedings more efficient, S2032-S2034, S2046, S2050, S2051 [8MR]

———discourage predatory lending practices, S1937-S1953 [7MR], S2018-S2031 [8MR], S2143 [12MR]

———extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (H.R. 1914), S6016 [8JN]

———extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (H.R. 256), S4015 [26AP]

———limit homestead property exemption, S2023 [8MR], S2329-S2336 [15MR], S7730, S7733 [17JY]

———permanently reenact chapter 12 of the bankruptcy code relative to family farmers (S. 178), S568 [25JA]

———prohibit coercive debt collection practices, S2144 [12MR], S2279-S2284, S2291-S2293, S2295 [14MR]

———provide priority in distributions to small business creditors, S1926-S1928, S1953-S1955, S1959, S1962 [7MR], S2020 [8MR]

———treatment and definition of luxury goods, S2337-S2339, S2348 [15MR]

———treatment of certain spousal income for purposes of means testing, S2346 [15MR], S7549 [12JY]

———treatment of child support payments, S2021 [8MR]

Children and youth: promote financial education (S. 807), S4116 [1MY]

Credit cards: consumer protections, S2018-S2022 [8MR]

———limit issuance to underage consumers, S2035-S2037 [8MR], S2178, S2192-S2196, S2212, S2213 [13MR]

———regulate issuance to individuals under 21 years of age (S. 891), S4957 [15MY]

———require credit card companies to disclose information on balance payment terms and conditions, S2287 [14MR], S7549 [12JY]

Crime: prevent identity fraud (S. 1399), S9078, S9079 [4SE]

———prevent identity theft and mitigate the harm to victimized individuals (S. 1742), S12162 [29NO]

Dept. of Agriculture: review of Federal agency actions affecting agricultural producers, S13035 [12DE], S13080-S13087, S13091 [13DE]

Dept. of Labor: provide temporary mortgage assistance to workers displaced due to international competition (S. 1848), S13701-S13704 [19DE]

Dept. of Veterans Affairs: make permanent the Native American Veteran Housing Loan Program (S. 228), S921 [31JA]

Education: qualify public defenders for student loan forgiveness under the Federal Perkins Loan Program (S. 1112), S6998 [27JN]

Emergency Steel Loan Guarantee Act: revise eligibility and other requirements for loan guarantees (S. 1884), S13972, S13973 [20DE]

Fair Credit Reporting Act: ensure that the statute of limitations for actions on identity theft doesn't start until the consumer discovers the problem (S. 1723), S12005, S12006 [16NO]

FHA: clarify authority to terminate mortgagee origination approval for poorly performing mortgagees (S. 1195), S7882 [18JY]

———require partial rebates of mortgage insurance premiums to certain mortgagors upon payment of their FHA-insured mortgages (S. 607), S2830 [23MR]

Financial institutions: strengthen consumer control over use and disclosure of personal financial and health information (S. 30), S303-S307 [22JA]

———strengthen consumer control over use and disclosure of personal financial and health information (S. 450), S1788 [1MR], S3987 [26AP]

Higher Education Act: establish fixed interest rates for student and parent borrowers and extend current law relative to special allowances for lenders (S. 1762), S13310, S13311 [14DE]

———extend current student loan interest rate formulas, S7324 [9JY]

Privacy: prohibit the sale and purchase of Social Security numbers by financial institutions and define such numbers as nonpublic personal information (S. 324), S1395 [14FE]

———prohibit the sale or purchase of Social Security numbers (S. 451), S1788 [1MR]

———require consent of an individual prior to the sale and marketing of personally identifiable information (S. 1055), S6337-S6339 [14JN]

SBA: authorize loans to small businesses and certain other businesses that suffered substantial economic injury as a result of terrorist attacks on the World Trade Center, Pentagon, and Somerset County, PA (S. 1499), S10289-S10293, S10340 [4OC], S10345, S10379 [9OC], S11717 [13NO], S12045-S12047 [27NO], S12821-S12826 [11DE], S13044 [12DE], S13423 [18DE], S13691 [19DE], S13925-S13929 [20DE]

———loan assistance programs funding, S3657, S3659 [6AP]

———prohibit sale of disaster loans to any private company or other entity, S9237, S9238 [10SE]

Small business: forgive interest payments on certain disaster loans and provide tax relief for concerns in the aftermath of terrorist attacks (S. 1493), S10131, S10159-S10161 [3OC]

Social Security: enhance privacy protections for individuals and prevent fraudulent misuse of account numbers (S. 1014), S6129 [12JN]

———limit the misuse of Social Security numbers and establish criminal penalties for such misuse (S. 848), S4591-S4597 [9MY]

Soldiers' and Sailors' Civil Relief Act: ensure coverage of National Guard troops mobilized for support services in the aftermath of terrorist attacks, S12607-S12612 [7DE]

———ensure coverage of National Guard troops mobilized for support services in the aftermath of terrorist attacks (S. 1680), S11725 [13NO]

Taxation: allow use of principal repayments to issue additional mortgages and modify price limitations under the mortgage revenue bond program and change income limit for housing credit program (S. 677), S3280 [2AP]

———exclude from gross income discharges of indebtedness attributable to certain forgiven residential mortgage obligations (S. 1282), S8478 [31JY]

———improve access to tax-exempt debt for small non-profit health care and educational institutions (S. 1038), S6320 [14JN]

———permanently extend research credit and adjust the alternative incremental credit rates, S7136-S7138 [29JN]

———permanently extend research credit and adjust the alternative incremental credit rates (S. 41), S315-S318 [22JA]

———phase in a full estate tax deduction for family-owned business interests and increase the unified credit exemption (S. 179), S569 [25JA]

———treatment of higher education expenses and interest on student loans, S5059-S5071, S5075, S5076 [17MY], S5422 [22MY], S5501 [23MY]

———treatment of higher education expenses and interest on student loans (S. 888), S4949 [15MY]

———treatment of higher education expenses (S. 687), S3437 [4AP]

———treatment of interest on student loans (S. 152), S480 [23JA]

Veterans: extend eligibility of former members of the Selected Reserve for veterans housing loans (S. 781), S3998 [26AP]

———increase rates of disability compensation for veterans with service-connected disabilities and dependency and indemnity compensation for survivors of certain disabled veterans and modify home loan programs (S. 1488), S10156 [3OC]

Reports filed

Agriculture, Conservation, and Rural Enhancement Act: Committee on Agriculture, Nutrition, and Forestry (Senate) (S. 1731), S12053 [27NO]

———Committee on Agriculture, Nutrition, and Forestry (Senate) (S. 1731) (S. Rept. 107-117), S12681 [7DE]

Chapter 12 of the Bankruptcy Code Reenactment Period Extension Relative to Family Farmers: Committee on the Judiciary (House) (H.R. 256) (H. Rept. 107-2), H411 [26FE]

Establish Fixed Interest Rates for Student and Parent Borrowers and Extend Current Law Relative to Special Allowances for Lenders: Committee on Health, Education, Labor, and Pensions (Senate) (S. 1762), S13049 [12DE]

Extend Reenactment Period for Chapter 12 of the Bankruptcy Code Relative to Family Farmers: Committee on the Judiciary (Senate) (S. 1630), S11611 [8NO]

Financial Services Antifraud Network Act: Committee on Financial Services (House) (H.R. 1408) (H. Rept. 107-192), H5332 [2AU]

———Committee on the Judiciary (House) (H.R. 1408) (H. Rept. 107-192), H6918 [16OC]

Maritime Policy Improvement Act: Committee on Commerce, Science, and Transportation (Senate) (H.R. 1098) (S. Rept. 107-48), S8348 [27JY]

Summaries

Agriculture, Conservation, and Rural Enhancement Act (S. 1628), S11414-S11417 [2NO]

Revising and Setting Forth the Federal Budget for 2001-2011 (H. Con. Res. 83): Kerry Amendment on SBA Loan Assistance Programs Funding, S3659 [6AP]

Texts of

H.R. 256, chapter 12 of the bankruptcy code reenactment period extension relative to family farmers, H447 [28FE]

H.R. 1098, Maritime Policy Improvment Act, H1023-H1025 [21MR]

H.R. 1408, Financial Services Antifraud Network Act, H7732-H7741 [6NO]

H.R. 1914, extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers, H2903 [6JN]

S. 30, Financial Information Privacy Protection Act, S304-S306 [22JA]

S. 41, permanently extend research tax credit and adjust the alternative incremental tax credit rates, S317 [22JA]

S. 152, tax treatment of interest on student loans, S480 [23JA]

S. 192, Consumer Credit Fair Dispute Resolution Act, S587 [25JA]

S. 228, make permanent the Native American Veteran Housing Loan Program, S921 [31JA]

S. 370, exempt small issue bonds for agriculture from the State volume cap, S1509 [15FE]

S. 450, Financial Institution Privacy Protection Act, S1788 [1MR]

S. 451, Social Security Number Protection Act, S1789 [1MR]

S. 607, Homeowners Rebate Act, S2830 [23MR]

S. 677, Housing Bond and Credit Modernization and Fairness Act, S3281 [2AP]

S. 781, extend eligibility of former members of the Selected Reserve for veterans housing loans, S3998 [26AP]

S. 848, Social Security Number Misuse Prevention Act, S4592-S4595 [9MY]

S. 888, College Tuition Assistance Act, S4950 [15MY]

S. 891, Underage Consumer Credit Protection Act, S4958 [15MY]

S. 923, amend Agricultural Market Transition Act to extend the expansion of producers eligible for loan deficiency payments, S5278 [21MY]

S. 993, extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers, S5903 [6JN]

S. 1055, Privacy Act, S6339-S6347 [14JN]

S. 1112, qualify public defenders for student loan forgiveness under the Federal Perkins Loan Program, S6998 [27JN]

S. 1282, Mortgage Cancellation Relief Act, S8479 [31JY]

S. 1488, Veterans' Benefits Act, S10156 [3OC]

S. 1493, Small Business Leads to Economic Recovery Act, S10161-S10163 [3OC]

S. 1723, Protect Victims of Identify Theft Act, S12006 [16NO]

S. 1762, establish fixed interest rates for student and parent borrowers and extend current law relative to special allowances for lenders, S13310 [14DE], H10887 [19DE]

S. 1848, Homestead Preservation Act, S13704 [19DE]