CREDIT

Amendments

Consumers: prevent identity theft, improve use of and access to consumer reports, limit sharing of certain consumer information, and improve financial education and literacy (S. 1753), S13876, S13877, S13878, S13879, S13884, S13885, S13886, S13889, S13912, S13923, S13924, S13925, S13926, S13927, S13942 [4NO]

———prevent identity theft and improve resolution of credit disputes, accuracy of consumer records, and the use of, and consumer access to, credit information (H.R. 2622), H8084, H8085, H8086, H8087 [9SE], H8131, H8139, H8140, H8145, H8149, H8151, H8152, H8156, H8158, H8160, H8163, H8176 [10SE]

Health care facilities: simplify the downpayment requirements for FHA mortgage insurance for hospitals (H.R. 659), S10985 [2SE], H8290 [17SE]

SBA: reauthorize loan programs (S. 1375), S12057, S12060, S12094 [26SE]

Analyses

Fair and Accurate Credit Transactions Act (H.R. 2622): Conference Report, E2512-E2519 [8DE]

Appointments

Conferees: H.R. 2622, National Consumer Credit Reporting System Improvement Act, S13994 [5NO], H10515 [6NO]

Articles and editorials

Beyond Their Reach, S11236 [9SE]

Bills and resolutions

Bankruptcy: amend laws relative to dismissal of certain involuntary cases (see S. 1128), S6978 [22MY]

———extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (see S. 1323), S8439 [24JN] (see S. 1920), S15407 [21NO] (see H.R. 2302), H4875 [3JN] (see H.R. 2465), H5365 [12JN] (see H.R. 3540, 3542), H11700 [20NO]

———permanently reenact chapter 12 of the bankruptcy code relative to family farmers (see S. 2004), S16120 [9DE]

———protect family farmers and family fishermen (see H.R. 343), H169 [27JA]

Business and industry: allow a grace period for payment of bills by consumers whose mail service has been disrupted due to a national emergency (see H.R. 2549), H5662 [19JN]

Children and youth: promote financial education (see S. 1181), S7381 [4JN]

Colleges and universities: eliminate termination date on authority for schools with low default rates to make single disbursements of student loans (see H.R. 227), H59 [7JA]

———improve quality, affordability, diversity, and accessibility to qualified students (see S. 1793), S13377 [28OC]

Computers: prevent the use of certain bank instruments for Internet gambling (see S. 627), S3730 [13MR]

Consumers: allow any consumer to receive a free credit report annually from any consumer reporting agency (see H.R. 2546), H5662 [19JN]

———prevent identity theft, improve use of and access to consumer reports, limit sharing of certain consumer information, and improve financial education and literacy (see S. 1753), S12838 [17OC]

———prevent identity theft and improve resolution of credit disputes, accuracy of consumer records, and the use of, and consumer access to, credit information (see H.R. 2622), H6262 [26JN]

———prevent identity theft and improve resolution of credit disputes, accuracy of consumer records, and the use of, and consumer access to, credit information (H.R. 2622), consideration (see H. Res. 360), H8081 [9SE]

———prohibit the use of credit history for insurance purposes and require disclosure of consumer reports and credit scoring procedures to prevent inaccuracies in consumer credit reports (see H.R. 2796), H7169 [18JY]

———protect from payday lenders demanding exorbitant interest rates and participating in other unfair practices (see H.R. 2407), H5173 [10JN]

———protect from predatory mortgage lending practices (see S. 1928), S15407 [21NO] (see H.R. 1663), H2937 [8AP] (see H.R. 3322), H9613 [16OC]

———protect from unfair and deceptive practices by organizations providing debt counseling, debt consolidation, or debt settlement services (see H.R. 3331), H9686 [17OC]

———provide enhanced information regarding credit card balance payment terms and conditions (see H.R. 1747), H3302 [10AP]

———require disclosure of terms of rental-purchase agreements (see S. 884), S5174 [10AP] (see H.R. 996), H1462 [27FE]

Credit cards: prevent abuse of Government credit cards (see S. 1744), S12737 [16OC] (see H.R. 3329), H9614 [16OC]

———prohibit issuers from increasing a consumers interest rate based on credit information unrelated to transactions with the consumer (see H.R. 2724), H6706 [14JY]

———require issuers to mail monthly statements at least 30 days before the due date of the next payment (see H.R. 1573), H2703 [2AP]

Crime: establish methods for preventing identity theft and protect consumers' sensitive, private health-related information (see H.R. 2633), H6262 [26JN]

———establish penalties for aggravated identity theft (see H.R. 858), H704 [13FE] (see H.R. 1731), H3301 [10AP]

———establish penalties for aggravated identity theft and enhance existing identity theft penalties (see S. 153), S288 [14JA]

———prevent identity fraud (see S. 223), S1668 [28JA] (see H.R. 2035), H3856 [8MY]

———prevent identity theft and mitigate the harm to victimized individuals (see S. 1533), S10618 [31JY] (see S. 1581), S11032 [3SE]

———prevent identity theft and other forms of fraud (see H.R. 2617), H6261 [26JN]

———provide relief for victims of identity theft (see S. 1749), S12737 [16OC] (see H.R. 3296), H9477 [15OC]

Dept. of Agriculture: reduce interest rate on loans to processors of sugar beets and sugarcane to conform to the intent of Congress (see S. Res. 127), S5541 [30AP]

Dept. of HUD: enable homebuyers to make use of insured hybrid adjustable rate mortgages (see H.R. 1443), H2400 [26MR]

———provide grants to States, local governments, and nonprofit organizations for education programs on predatory lending and establish a toll-free number for complaints (see H.R. 1865), H3452 [29AP]

Dept. of Justice: provide additional resources for investigation and prosecution of identity theft and related credit card and other fraud (see H.R. 3693), H12919 [8DE]

Dept. of Labor: provide temporary mortgage assistance to workers displaced due to international competition (see S. 1597), S11245 [9SE] (see H.R. 3067), H8174 [10SE]

Dept. of the Treasury: establish a pilot national public service multimedia campaign to enhance the state of financial literacy in the U.S. (see H.R. 3294), H9477 [15OC]

Dept. of Veterans Affairs: establish uniformity in fees charged qualifying members of the Selected Reserve and active duty veterans for guaranteed home loans and make access to such loans permanent (see H.R. 1257), H1900 [13MR]

———prohibit additional daily interest charges following prepayment in full of guaranteed housing loans (see H.R. 3413), H10236 [30OC]

———reinstate minimum requirements relative to the sale of vendee loans (see H.R. 1949), H3641 [5MY]

———restore certain aspects of Native American Veteran Housing Loan Program (see H.R. 2595), H5928 [25JN]

Disasters: modify terms of the community disaster loan program and authorize assistance under that program for losses related to terrorist attacks (see H.R. 1542), H2585 [1AP]

Education: improve financial literacy and education programs and facilitate cooperation between governmental units and the private sector by establishing a national strategy for assuring financial education (see H.R. 3520), H11650 [19NO]

———increase amount of student loan forgiveness and cancellation available to qualified teachers (see S. 110), S132 [9JA]

———increase amount of student loan forgiveness and cancellation available to qualified teachers (S. 110) (see H.R. 647), H322 [5FE]

———provide student loan borrowers with a choice of lender for loan consolidation and provide notice regarding loan consolidation (see S. 835), S5059 [9AP]

Fair Credit Reporting Act: exempt certain communications from the definition of consumer reports (see H.R. 1543), H2585 [1AP]

———extend limitations on certain provisions of State law (see S. 660), S3993 [19MR]

———provide for disclosure of credit-scoring information by creditors and consumer reporting agencies (see S. 1370), S9049 [8JY]

———provide for disclosures of credit-based insurance scoring information by insurers and credit reporting agencies (see H.R. 1473), H2470 [27MR]

———require consumer reporting agencies to notify consumers when negative information is added to their file (see H.R. 1729), H3301 [10AP]

Fair Debt Collection Practices Act: exempt mortgage servicers from certain requirements relative to Federal mortgage loans secured by a first lien (see H.R. 314), H137 [8JA]

Federal employees: increase annual and aggregate limits on student loan repayment by Federal agencies (see S. 926), S5433 [28AP] (see H.R. 3080), H8216 [11SE]

FHA: increase maximum mortgage limit for FHA-insured mortgages for multifamily housing located in high-cost areas (see S. 1714), S12448 [3OC] (see H.R. 1985), H3682 [6MY]

———increase mortgage commitment level to carry out certain National Housing Act provisions (see S. 1571), S10970 [2SE]

———preserve ability to insure certain mortgages (see S. 1636), S11723 [18SE]

Financial institutions: notify customers of unauthorized use of personal information and include fraud alerts in consumer credit files (see S. 1633), S11648 [17SE] (see H.R. 3233), H9213 [2OC]

———prohibit offer of credit to a financial institution examiner (see S. 1947), S15812 [24NO]

———require truncation of account numbers on transaction receipts (see H.R. 3254), H9281 [7OC]

———strengthen consumer control over use and disclosure of personal financial and health information (see S. 1458), S9959 [25JY]

Financial Literacy and Education Coordinating Committee: establish (see S. 1470), S10045 [28JY]

Firefighters: provide mortgage assistance (see H.R. 2961), H7784 [25JY]

Food Security Act: strengthen payment limitations for commodity payments and benefits (see S. 667), S3993 [19MR]

Government regulations: prevent abuse of and establish a uniform system of accountability for the use of Government purchase and travel cards (see H.R. 3165), H8904 [24SE]

Health care facilities: simplify the downpayment requirements for FHA mortgage insurance for hospitals (see H.R. 659), H389 [11FE]

Health care professionals: implement an education loan repayment program for pharmacists (see S. 648), S3881 [18MR] (see H.R. 3591), H12307 [21NO]

Higher Education Act: amend to enhance literacy in finance and economics (see S. 1800), S13660 [30OC] (see S. 1968), S15975 [25NO]

———improve opportunity for Federal student loan borrowers to consolidate their loans at reasonable interest rates (see H.R. 2504), H5551 [18JN]

———incorporate results from the Fed Up Initiative which identifies outdated or burdensome regulations (see H.R. 12), H51 [7JA]

———permit refinancing of student consolidation loans and increase Pell Grant maximum awards (see H.R. 2505), H5551 [18JN]

———permit refinancing of student consolidation loans and permit student freedom to select a loan consolidator (see H.R. 2711), H6603 [10JY]

Home Investment Partnerships Act: provide downpayment assistance (see H.R. 1276), H1901 [13MR]

Housing: combat unfair and deceptive practices in the high-cost mortgage market, establish a consumer mortgage protection board, and establish licensing and minimum standards for mortgage brokers (see H.R. 833), H703 [13FE]

———enhance regulation of secondary mortgage market enterprises (see S. 1508), S10617 [31JY] (see S. 1656), S11988 [25SE]

———establish a program to assist homeowners experiencing temporary difficulty making mortgage payments under the National Housing Act (see H.R. 1357), H2131 [19MR]

———prohibit Federal funding for housing-related Government-sponsored enterprises and remove certain advantages granted to such enterprises (see H.R. 3071), H8175 [10SE]

———provide for one percent FHA mortgage loan downpayments for teachers and public safety officers to purchase homes within employing jurisdictions (see S. 1849), S14451 [11NO]

———remove certain advantages for housing-related Government-sponsored enterprises relative to other secondary mortgage market enterprises (see H.R. 2117), H4203 [15MY]

IMF: require appropriations to cover the estimated subsidy costs of monetary resources provided by the U.S. (see H.R. 3533), H11650 [19NO]

Iraq: prevent IMF loans from being used to pay off creditors (see H.R. 2080), H4011 [13MY]

———prevent IMF or International Bank for Reconstruction and Development loans from being used to pay off creditors (see H.R. 2338), H4977 [4JN]

National Guard: provide relief to mobilized military reservists from certain Federal agricultural loan obligations (see H.R. 3298), H9477 [15OC]

Native American Capital Development Corp.: establish (see S. 519), S3162 [5MR]

Privacy: require consent of an individual prior to the sale and marketing of personally identifiable information (see S. 745), S4557 [31MR]

Public welfare programs: promote financial education under the Temporary Assistance for Needy Families Program and allow such education to count as a work activity under that program (see S. 813), S4957 [8AP]

SBA: reauthorize loan programs (see S. 1375), S9049 [8JY]

Small business: develop a pilot program for credit enhancement guarantees on pools of non-SBA loans (see S. 1713), S12448 [3OC]

———improve calculation of the Federal subsidy rate with respect to certain small business loans (see S. 141), S203 [10JA]

———permit the collection of demographic information in connection with small business loan applications (see H.R. 1748), H3302 [10AP]

Social Security: enhance privacy protections for individuals and prevent fraudulent misuse of account numbers (see H.R. 2971), H7784 [25JY]

———limit the misuse of Social Security numbers and establish criminal penalties for such misuse (see S. 228), S1668 [28JA] (see H.R. 637), H322 [5FE]

Soldiers' and Sailors' Civil Relief Act: enhance protection of credit ratings of active duty military personnel who are activated for military service (see H.R. 2576), H5813 [24JN]

———extend the mortgage foreclosure protection period for members of the Armed Forces after release from active duty (see H.R. 1411), H2270 [20MR]

Taxation: allow a deduction for credit card interest (see H.R. 1141), H1680 [6MR]

———allow a deduction for premiums on mortgage insurance (see S. 846), S5059 [9AP] (see H.R. 1336), H1954 [18MR]

———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. 595), S3504 [11MR] (see H.R. 284), H136 [8JA]

———exclude from gross income discharges of indebtedness attributable to certain forgiven residential mortgage obligations (see H.R. 666), H389 [11FE]

———exclude from gross income loan payments received under the National Health Service Corps Loan Repayment Program (see S. 529), S3162 [5MR] (see H.R. 1522), H2514 [31MR]

———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. 2150), H4254 [19MY]

———permanently extend research credit, adjust the alternative incremental credit rates, and provide an alternative simplified credit for qualified research expenses (see H.R. 463), H242 [29JA]

———permanently extend research credit and adjust the alternative incremental credit rates (see S. 664), S3993 [19MR]

———provide a higher purchase price limitation applicable to mortgage subsidy bonds based on median family income (see H.R. 32), H52 [7JA]

———repeal limits on the deduction of interest on education loans (see H.R. 1296), H1902 [13MR] (see H.R. 3384), H9981 [28OC]

———repeal provisions that limit the interest deduction on refinanced home mortgage indebtedness to the amount of the indebtedness being refinanced (see H.R. 171), H57 [7JA]

———treatment of higher education expenses (see H.R. 129), H56 [7JA] (see H.R. 826), H702 [13FE] (see H.R. 1304), H1952 [18MR]

Truth in Lending Act: require stores offering credit or charge accounts to prominently display certain information (see H.R. 3135), H8381 [17SE]

Veterans: increase maximum amount of home loan guarantees available to veterans (see H.R. 1735), H3302 [10AP]

———provide housing loan benefits for the purchase of residential cooperative apartment units (see S. 978), S5650 [1MY] (see H.R. 1935), H3636 [1MY]

Women: collect data on the availability of credit for women-owned business (see H.R. 1846), H3451 [29AP]

Conference reports

Fair and Accurate Credit Transactions Act (H.R. 2622), H12198-H12214 [21NO]

Cost Estimates

Fair and Accurate Credit Transactions Act (H.R. 2622): CBO (Private Sector Mandates), E1742 [9SE]

Documents

Reduced Fees on Loans to Small Businesses Adversely Affected by Terrorist Attacks, H357 [11FE]

Excerpts

American Dream Downpayment Act: Committee on Financial Services (House) (H.R. 1276) (H. Rept. 108-164), H9044 [1OC]

Letters

Calculation of Federal subsidy rate with respect to certain small business loans: Leonard R. Ryden, Ryden Heavy Hauling, Inc., H355 [11FE]

———Mitchell E. Daniels, Jr., OMB, H356 [11FE]

College Literacy in Finance and Economics (College LIFE) Act: Alan T. Rains, Jr., Family, Career and Community Leaders of America (organization), S13664 [30OC]

———Dara Duguay, Jump$tart Coalition, S13664 [30OC]

———Robert F. Duvall, National Council on Economic Education, S13664 [30OC]

Credit card issuers' prohibition from increasing a consumers interest rate based on credit information unrelated to transactions with the consumer: Alan Greenspan, FRS, H8155 [10SE]

Excellence in Economic Education Act funding: David McClain, Hawaii Council on Economic Education, S10951 [2SE]

———John B. Kelley, Hawaii Council on Economic Education, S10950 [2SE]

———John M. Knox, Hawaii Council on Economic Education, S10951 [2SE]

———Kristine Castagnaro, Hawaii Council on Economic Education, S10951 [2SE]

———Richard Rankin, Hawaii Council on Economic Education, S10951 [2SE]

———Will Sanburn, Hawaii Council on Economic Education, S10951 [2SE]

Fair and Accurate Credit Transactions Act: Representative Oxley, Committee on Financial Services (House), E2463 [25NO]

———Representative Sensenbrenner, Committee on the Judiciary (House), E2463 [25NO]

FHA Multifamily Loan Limit Adjustment Act: Kris Cook, National Affordable Housing Management Association, S12462 [3OC]

———National Association of Realtors, National Association of Home Builders, and Mortgage Bankers Association, S12462 [3OC]

Financial Literacy and Education Coordinating Act: H. Patrick Swygert, Howard University, S10061 [28JY]

———Michael W. Naylor, AARP, S10061 [28JY]

———Robert F. Duvall, National Council on Economic Education, S10061 [28JY]

———Travis B. Plunkett, Consumer Federation of America, S10060 [28JY]

FRS study on disclosure of ATM fees to consumers by financial institutions: several Senators, S13883 [4NO]

IRS Debt Indicator Program funding: Jean A. Fox, Consumer Federation of America, and Chi Chi Wu, National Consumer Law Center, S13119 [23OC]

Pharmacy Education Aid Act: several pharmaceutical organizations and associations, S3896 [18MR]

Prevent affiliated companies from sharing personal customer information through creation of a national opt-out standard: Jackie Speier, California State Senate, S13861 [4NO], S13981 [5NO]

Servicemembers Civil Relief Act: Representative Christopher H. Smith, Committee on Veterans' Affairs (House), H3699 [7MY]

———Representative Oxley, Committee on Financial Services (House), H3699 [7MY]

Strengthen restrictions on business affiliate sharing of medical information: Clint Trout, AIDS Healthcare Foundation, S13879 [4NO]

———Daniel E. Smith and Wendy K.D. Selig, American Cancer Society, S13878 [4NO]

———Ernest Hopkins, San Francisco AIDS Foundation, S13879 [4NO]

———John Gressman, San Francisco Community Clinic Consortium, S13878 [4NO]

———Michael D. Maves, AMA, S13878 [4NO]

———Representatives Emanuel and Walter B. Jones, S13879 [4NO]

———Steven M. Thompson, California Medical Association, S13878 [4NO]

Lists

Fair and Accurate Credit Transactions Act consumer protections, H12216 [21NO]

Organizations involved in California financial privacy legislation negotiations, H8149 [10SE]

Memorandums

Reduced Fees on Loans to Small Businesses Adversely Affected by Terrorist Attacks: Jane Palsgrove Butler, SBA, H356 [11FE]

———Jeanna M. Sclater, SBA, H357 [11FE]

Motions

Consumers: prevent identity theft, improve use of and access to consumer reports, limit sharing of certain consumer information, and improve financial education and literacy (S. 1753), S13875, S13890 [4NO]

———prevent identity theft and improve resolution of credit disputes, accuracy of consumer records, and the use of, and consumer access to, credit information (H.R. 2622), H10514 [6NO]

Remarks in House

Bankruptcy: discourage predatory lending practices, H1982 [19MR]

———extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (H.R. 2465), H5673-H5675 [23JN]

———extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (H.R. 3542), E2366 [21NO]

———limit homestead property exemption, H1984 [19MR]

———prevent creditors from employing involuntary bankruptcy actions relative to certain liability claims, E551 [21MR]

———treatment of alimony and child support payments, H2097, H2098 [19MR]

Community Housing Works (organization): Fannie Mae Foundation Maxwell Award of Excellence recipient, E976 [15MY]

Consumers: address credit bureau regulations that prevent certain individuals from obtaining a credit rating, H8157 [10SE]

———allow any consumer to receive a free credit report annually from any national or regional consumer reporting agency, H8160-H8163 [10SE]

———allow consumers to require confirmation of identity before any new credit account is issued in their name, H8163 [10SE]

———clarify the variables used in determining the need for a risk-based pricing notice in connection with mortgage loans, E2493 [8DE]

———prevent future State laws from preempting Federal regulations that allow any consumer to receive a free credit report annually from certain consumer reporting agencies, H8149-H8151 [10SE]

———prevent identity theft and improve resolution of credit disputes, accuracy of consumer records, and the use of, and consumer access to, credit information (H.R. 2622), H8118-H8167 [10SE], E1775 [11SE]

———prevent identity theft and improve resolution of credit disputes, accuracy of consumer records, and the use of, and consumer access to, credit information (H.R. 2622), amendment process, H7994 [5SE]

———prevent identity theft and improve resolution of credit disputes, accuracy of consumer records, and the use of, and consumer access to, credit information (H.R. 2622), conference report, H12214-H12224 [21NO], E2463 [25NO], E2493, E2512 [8DE]

———prevent identity theft and improve resolution of credit disputes, accuracy of consumer records, and the use of, and consumer access to, credit information (H.R. 2622), consideration (H. Res. 360), H8111-H8116 [10SE]

———prevent identity theft and improve resolution of credit disputes, accuracy of consumer records, and the use of, and consumer access to, credit information (H.R. 2622), corrections in engrossment, H8167 [10SE]

———prevent identity theft and improve resolution of credit disputes, accuracy of consumer records, and the use of, and consumer access to, credit information (H.R. 2622), motion to instruct conferees, H10514, H10515 [6NO]

———protect from payday lenders demanding exorbitant interest rates and participating in other unfair practices (H.R. 2407), E1193 [10JN]

———protect from predatory mortgage lending practices (H.R. 3322), E2067 [16OC]

———require entities that furnish information to credit bureaus to reinvestigate any disputed information after the consumer has asked for reinvestigation that fails to resolve the dispute, H8151, H8152 [10SE], H10514, H10515 [6NO]

Credit cards: prohibit issuers from increasing a consumers interest rate based on credit information unrelated to transactions with the consumer, H8152-H8156 [10SE]

Credit unions: tribute for services provided to military personnel, E1249 [13JN]

Crime: establish methods for preventing identity theft and protect consumers' sensitive, private health-related information (H.R. 2633), H7025 [17JY], E1381 [27JN]

———prevent identity fraud (H.R. 2035), E1389 [27JN]

Dept. of HUD: provide grants to States, local governments, and nonprofit organizations for education programs on predatory lending and establish a toll-free number for complaints (H.R. 1865), E815 [30AP]

Dept. of Justice: provide additional resources for investigation and prosecution of identity theft and related credit card and other fraud (H.R. 3693), E2485 [8DE]

Dept. of Veterans Affairs: establish uniformity in fees charged qualifying members of the Selected Reserve and active duty veterans for guaranteed home loans and make access to such loans permanent (H.R. 1257), H4275-H4277 [20MY], E1083 [23MY]

———reinstate minimum requirements relative to the sale of vendee loans (H.R. 1949), E864 [5MY]

———restore certain aspects of Native American Veteran Housing Loan Program (H.R. 2595), H8091-H8094 [10SE]

Education: student financial aid programs, H2693 [2AP]

Fair Credit Reporting Act: exempt certain communications from the definition of consumer reports, H8123 [10SE]

———identity theft national uniform standards, H8126, H8127 [10SE]

———sunset uniform national consumer protection standards, H8158-H8160 [10SE], E1775 [11SE]

Fair Debt Collection Practices Act: exempt mortgage servicers from certain requirements relative to Federal mortgage loans secured by a first lien (H.R. 314), H1921-H1923 [18MR]

Federal employees: increase annual and aggregate limits on student loan repayment by Federal agencies (S. 926), H9835, H9836 [28OC], E2143 [28OC], E2162 [30OC]

FHA: increase maximum mortgage limit for FHA-insured mortgages for multifamily housing located in high-cost areas (H.R. 1985), H9235-H9237 [7OC]

Financial institutions: prevent Federal preemption of State financial privacy laws, H8131, H8141-H8149 [10SE]

———prohibit offer of credit to a financial institution examiner (S. 1947), H12866, H12867 [8DE]

———proposed changes to Federal home loan bank system, E100, E112 [29JA]

Government regulations: allow adjustment of response time for requests for free credit reports whenever national credit bureaus experience a high volume of such requests, H8156, H8157 [10SE]

———prevent abuse of and establish a uniform system of accountability for the use of Government purchase and travel cards (H.R. 3165), H8469 [23SE]

Health care facilities: simplify the downpayment requirements for FHA mortgage insurance for hospitals (H.R. 659), H1755, H1756 [12MR]

———simplify the downpayment requirements for FHA mortgage insurance for hospitals (H.R. 659), Senate amendment, H8290-H8292 [17SE]

Health care professionals: implement an education loan repayment program for pharmacists (H.R. 3591), E2418 [22NO]

Higher Education Act: incorporate results from the Fed Up Initiative which identifies outdated or burdensome regulations (H.R. 12), E15 [8JA]

Home Investment Partnerships Act: provide downpayment assistance (H.R. 1276), H2869 [8AP], H9038, H9039-H9045 [1OC], E709 [8AP]

Housing: prohibit Federal funding for housing-related Government-sponsored enterprises and remove certain advantages granted to such enterprises (H.R. 3071), E1767 [11SE]

———remove certain advantages for housing-related Government-sponsored enterprises relative to other secondary mortgage market enterprises (H.R. 2117), E972 [15MY]

National Training and Information Center: anniversary, E2104 [21OC]

Small business: improve calculation of the Federal subsidy rate with respect to certain small business loans (S. 141), H354-H361 [11FE], E227 [13FE]

Social Security: enhance privacy protections for individuals and prevent fraudulent misuse of account numbers (H.R. 2971), E1637 [25JY], E1710 [5SE]

Taxation: allow a deduction for premiums on mortgage insurance (H.R. 1336), E505 [18MR]

———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. 284), E46, E48 [8JA]

———treatment of higher education expenses (H.R. 826), E269 [13FE]

———treatment of higher education expenses (H.R. 1304), E485 [18MR]

Telecommunications Development Fund: extend loans to start up technology and telecommunications companies in rural and underserved areas, H5184 [11JN]

Veterans: increase maximum amount of home loan guarantees available to veterans (H.R. 1735), E756 [11AP]

———provide housing loan benefits for the purchase of residential cooperative apartment units (H.R. 1935), E852 [1MY]

Visa International Service Association (VISA): tribute to monitoring system that tracks Internet sites dealing in child pornography, E528 [20MR]

Remarks in Senate

Bankruptcy: amend laws relative to dismissal of certain involuntary cases (S. 1128), S7018, S7019 [22MY]

———extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (H.R. 2465), S10604, S10847 [31JY], S10897 [1AU]

———extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (S. 1323), S8442, S8478 [24JN], S8598 [25JN]

———extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (S. 1920), S16062, S16063 [25NO]

Children and youth: promote financial education (S. 1181), S7389 [4JN]

Colleges and universities: improve quality, affordability, diversity, and accessibility to qualified students (S. 1793), S13383-S13386, S13406 [28OC]

———promote financial education, S10609 [31JY]

Computers: prevent the use of certain bank instruments for Internet gambling (S. 627), S3745 [13MR]

Consumers: allow consumer marketing opt-out to be permanent and define the term ``pre-existing business relationship'', S13877, S13878 [4NO]

———prevent affiliated companies from sharing personal customer information through creation of a national opt-out standard, S13860-S13865, S13871, S13876 [4NO], S13980 [5NO], S14172 [6NO]

———prevent identity theft, improve use of and access to consumer reports, limit sharing of certain consumer information, and improve financial education and literacy (S. 1753), S13848-S13866, S13868, S13870-S13891 [4NO], S13980 [5NO], S14172 [6NO]

———prevent identity theft, improve use of and access to consumer reports, limit sharing of certain consumer information, and improve financial education and literacy (S. 1753), unanimous-consent agreement, S13124 [23OC], S13419 [28OC]

———prevent identity theft and improve resolution of credit disputes, accuracy of consumer records, and the use of, and consumer access to, credit information (H.R. 2622), S13980-S13994 [5NO]

———prevent identity theft and improve resolution of credit disputes, accuracy of consumer records, and the use of, and consumer access to, credit information (H.R. 2622), conference report, S15570 [22NO], S15806 [24NO], S15966 [25NO]

———prevent identity theft and improve resolution of credit disputes, accuracy of consumer records, and the use of, and consumer access to, credit information (H.R. 2622), insert S. 1753 language in lieu, S13980 [5NO]

———protect from predatory mortgage lending practices (S. 1928), S15470 [21NO]

———require disclosure of terms of rental-purchase agreements (S. 884), S5233 [10AP]

———strengthen restrictions on business affiliate sharing of medical information, S13878, S13879 [4NO], S13980 [5NO]

Credit cards: prevent abuse of Government credit cards, S14017, S14018 [5NO]

———prevent abuse of Government credit cards (S. 1744), S12742 [16OC]

Crime: establish penalties for aggravated identity theft and enhance existing identity theft penalties (S. 153), S293 [14JA], S4031 [19MR]

———prevent identity fraud (S. 223), S1675 [28JA]

———prevent identity theft and mitigate the harm to victimized individuals (S. 1533), S10661-S10665 [31JY]

———prevent identity theft and mitigate the harm to victimized individuals (S. 1581), S11034-S11036 [3SE]

———provide for access to business records by consumers who are victims of identity theft, S13876, S13882 [4NO]

———provide relief for victims of identity theft (S. 1749), S12746 [16OC]

Dept. of Defense: limit number of credit card accounts, evaluate creditworthiness of cardholders, and establish disciplinary actions for improper use, S9568 [17JY]

Dept. of Labor: provide temporary mortgage assistance to workers displaced due to international competition (S. 1597), S11249 [9SE]

Dept. of Veterans Affairs: Native American Veteran Housing Loan Program funding, S11942 [25SE]

Education: provide student loan borrowers with a choice of lender for loan consolidation and provide notice regarding loan consolidation (S. 835), S5069 [9AP]

———require consumer credit reports on student loans, S13880-S13882 [4NO]

———student financial aid programs, S11068, S11069, S11072, S11086, S11090, S11091 [4SE], S11215, S11225 [9SE]

———student financial aid programs funding through delays in NIH funding obligations, S11234, S11239 [9SE], S11274 [10SE]

Excellence in Economic Education Act: funding, S10948-S10952 [2SE]

Federal employees: increase annual and aggregate limits on student loan repayment by Federal agencies (S. 926), S5435 [28AP]

FHA: increase maximum mortgage limit for FHA-insured mortgages for multifamily housing located in high-cost areas (S. 1714), S12461 [3OC]

———increase mortgage commitment level to carry out certain National Housing Act provisions (S. 1571), S10987 [2SE]

———preserve ability to insure certain mortgages (S. 1636), S11727 [18SE]

Financial institutions: notify customers of unauthorized use of personal information and include fraud alerts in consumer credit files (S. 1633), S11724 [18SE]

———prohibit offer of credit to a financial institution examiner (S. 1947), S15873 [24NO]

Financial Literacy and Education Coordinating Committee: establish (S. 1470), S10058-S10060 [28JY]

Food Security Act: strengthen payment limitations for commodity payments and benefits (S. 667), S4017, S4018 [19MR]

FRS: study on disclosure of ATM fees by financial institutions, S13883 [4NO]

FTC: disposal of consumer credit report information and records, S13889 [4NO]

———require financial institutions and other users of consumer reports to provide notice to appropriate Federal agencies in cases in which information is compromised, S13884 [4NO]

Health care facilities: simplify the downpayment requirements for FHA mortgage insurance for hospitals (H.R. 659), S10986 [2SE]

Health care professionals: implement an education loan repayment program for pharmacists (S. 648), S3896, S3897 [18MR], S8106 [18JN], S16054 [25NO]

Higher Education Act: amend to enhance literacy in finance and economics (S. 1800), S13663, S13667 [30OC], S15401 [21NO]

———amend to enhance literacy in finance and economics (S. 1968), S16011-S16013 [25NO]

Housing: enhance regulation of secondary mortgage market enterprises (S. 1508), S10623 [31JY]

———enhance regulation of secondary mortgage market enterprises (S. 1656), S11990 [25SE]

Information services: require reports to Congress on data-mining programs that collect personal information from commercial and governmental sources, S13885, S13886 [4NO]

IRS: Debt Indicator Program funding, S13119, S13122 [23OC]

Mexico: establish microcredit lending program, small rural business assistance program, small rural farmers assistance, and a system of private property ownership, S9180 [10JY], S10603 [31JY]

———rural small business assistance funding, S13650 [30OC]

Native American Capital Development Corp.: establish (S. 519), S3167 [5MR]

Privacy: require consent of an individual prior to the sale and marketing of personally identifiable information (S. 745), S4559-S4561 [31MR]

Public welfare programs: promote financial education under the Temporary Assistance for Needy Families Program and allow such education to count as a work activity under that program (S. 813), S4961 [8AP]

Rural areas: provide incentives to individuals who live in and help preserve small, rural towns, S114-S116 [9JA]

SBA: reauthorize loan programs (S. 1375), S9051-S9057 [8JY], S11241 [9SE], S11639 [17SE], S11909 [24SE], S12053, S12060-S12095 [26SE]

———transfer unused funds from the loan program for businesses that suffered substantial economic injury as a result of terrorist attacks to 7(a) loan program, S1435 [23JA]

Senate: legislative priorities, S13061 [22OC]

Small business: develop a pilot program for credit enhancement guarantees on pools of non-SBA loans (S. 1713), S12458-S12461 [3OC]

———improve calculation of the Federal subsidy rate with respect to certain small business loans, S4697 [2AP]

———improve calculation of the Federal subsidy rate with respect to certain small business loans (S. 141), S206, S207 [10JA]

Social Security: limit the misuse of Social Security numbers and establish criminal penalties for such misuse (S. 228), S1680, S1686 [28JA], S1689 [29JA]

Taxation: allow a deduction for premiums on mortgage insurance (S. 846), S5084 [9AP]

———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. 595), S3518 [11MR]

———exclude from gross income loan payments received under the National Health Service Corps Loan Repayment Program (S. 529), S3184-S3186 [5MR]

———permanently extend research credit and adjust the alternative incremental credit rates (S. 664), S4002-S4005 [19MR]

———treatment of higher education expenses, S4367, S4368 [25MR]

Reports filed

American Dream Downpayment Act: Committee on Financial Services (House) (H.R. 1276) (H. Rept. 108-164), H5661 [19JN]

Consideration of H.R. 2622, Fair and Accurate Credit Transactions Act: Committee on Rules (House) (H. Res. 360) (H. Rept. 108-267), H8081 [9SE]

Fair and Accurate Credit Transactions Act: Committee of Conference (H.R. 2622) (H. Rept. 108-396), H12306 [21NO]

———Committee on Financial Services (House) (H.R. 2622) (H. Rept. 108-263), H7948 [4SE], H8081 [9SE]

Federal Employee Student Loan Assistance Act: Committee on Governmental Affairs (Senate) (S. 926) (S. Rept. 108-109), S9708 [22JY]

FHA Multifamily Loan Limit Adjustment Act: Committee on Financial Services (House) (H.R. 1985) (H. Rept. 108-247), H7838 [3SE]

Hospital Mortgage Insurance Act: Committee on Financial Services (House) (H.R. 659) (H. Rept. 108-27), H1678 [6MR]

Identity Theft Penalty Enhancement Act: Committee on the Judiciary (Senate) (S. 153), S1811 [30JA]

National Consumer Credit Reporting System Improvement Act: Committee on Banking, Housing, and Urban Affairs (Senate) (S. 1753) (S. Rept. 108-166), S12837 [17OC]

Pharmacy Education Aid Act: Committee on Health, Education, Labor, and Pensions (Senate) (S. 648) (S. Rept. 108-189), S14176 [6NO]

Restore Certain Aspects of Dept. of Veterans Affairs Native American Veteran Housing Loan Program: Committee on Veterans' Affairs (House) (H.R. 2595) (H. Rept. 108-197), H6602 [10JY]

SBA Loan Programs Reauthorization: Committee on Small Business and Entrepreneurship (Senate) (S. 1375) (S. Rept. 108-124), S10970 [2SE]

Selected Reserve Home Loan Equity Act: Committee on Veterans' Affairs (House) (H.R. 1257) (H. Rept. 108-107), H4253 [19MY]

Unlawful Internet Gambling Funding Prohibition Act: Committee on Banking, Housing, and Urban Affairs (Senate) (S. 627) (S. Rept. 108-173), S13262 [27OC]

Summaries

Financial Literacy and Education Coordinating Act (S. 1470), S10060 [28JY]

Small Business Credit Liquidity Act (S. 1713), S12460 [3OC]

Tables

Earned income tax credit refunds, S13119 [23OC]

Texts of

H. Res. 360, consideration of H.R. 2622, Fair and Accurate Credit Transactions Act, H8111 [10SE]

H.R. 314, Mortgage Servicing Clarification Act, H1921 [18MR]

H.R. 659, Hospital Mortgage Insurance Act, S10986 [2SE], H1755 [12MR]

H.R. 1257, Selected Reserve Home Loan Equity Act, H4275 [20MY]

H.R. 1276, American Dream Downpayment Act, H9039 [1OC]

H.R. 1985, FHA Multifamily Loan Limit Adjustment Act, H9235 [7OC]

H.R. 2465, Family Farmer Bankruptcy Relief Act, H5673 [23JN]

H.R. 2595, restore certain aspects of Native American Veteran Housing Loan Program, H8091 [10SE]

H.R. 2622, National Consumer Credit Reporting System Improvement Act, S13982-S13994 [5NO]

S. 141, improve calculation of the Federal subsidy rate with respect to certain small business loans, S207 [10JA], H354 [11FE]

S. 153, Identity Theft Penalty Enhancement Act, S294 [14JA], S4031 [19MR]

S. 223, Identity Theft Prevention Act, S1676 [28JA]

S. 228, Social Security Number Misuse Prevention Act, S1681-S1685 [28JA]

S. 519, Native American Capital Formation and Economic Development Act, S3167-S3171 [5MR]

S. 595, Housing Bond and Credit Modernization and Fairness Act, S3518 [11MR]

S. 627, Unlawful Internet Gambling Funding Prohibition Act, S3745-S3747 [13MR]

S. 648, Pharmacy Education Aid Act, S16054-S16057 [25NO]

S. 664, Investment in America Act, S4004 [19MR]

S. 667, strengthen payment limitations for commodity payments and benefits under Food Security Act, S4017 [19MR]

S. 745, Privacy Act, S4561-S4570 [31MR]

S. 813, TANF Financial Education Promotion Act, S4961 [8AP]

S. 846, Mortgage Insurance Fairness Act, S5085 [9AP]

S. 884, Consumer Rental-Purchase Agreement Act, S5233-S5237 [10AP]

S. 926, Federal Employee Student Loan Assistance Act, S5435 [28AP], S10451 [30JY], H9835 [28OC]

S. 1128, Involuntary Bankruptcy Improvement Act, S7019 [22MY]

S. 1181, promote youth financial education, S7389 [4JN]

S. 1323, Family Farmer Bankruptcy Relief Act, S8442 [24JN]

S. 1375, SBA loan programs reauthorization, S12060-S12080 [26SE]

S. 1470, Financial Literacy and Education Coordinating Act, S10062 [28JY]

S. 1508, Federal Enterprise Regulatory Reform Act, S10623-S10631 [31JY]

S. 1533, Identity Theft Victims Assistance Act, S10662-S10665 [31JY]

S. 1571, increase FHA mortgage commitment level to carry out certain National Housing Act provisions, S10987 [2SE]

S. 1581, Identity Theft Victims Assistance Act, S11036-S11038 [3SE]

S. 1597, Homestead Preservation Act, S11250 [9SE]

S. 1633, Identity Theft Notification and Credit Restoration Act, S11725 [18SE]

S. 1636, preserve FHA ability to insure certain mortgages, S11727 [18SE]

S. 1656, Federal Housing Enterprise Oversight Modernization Act, S11991-S11999 [25SE]

S. 1713, Small Business Credit Liquidity Act, S12460 [3OC]

S. 1714, FHA Multifamily Loan Limit Adjustment Act, S12461 [3OC]

S. 1744, Credit Card Abuse Prevention Act, S12743 [16OC]

S. 1793, College Quality, Affordability, and Diversity Improvement Act, S13386-S13406 [28OC]

S. 1800, College Literacy in Finance and Economics (College LIFE) Act, S13664-S13667 [30OC]

S. 1920, extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers, S16063 [25NO]

S. 1928, Predatory Lending Consumer Protection Act, S15471-S15473 [21NO]

S. 1947, Preserving Independence of Financial Institution Examinations Act, S15873 [24NO], H12866 [8DE]

S. 1968, Financial Literacy in Higher Education Act, S16011-S16013 [25NO]

S. Res. 127, reduce interest rate on loans to processors of sugar beets and sugarcane to conform to the intent of Congress, S5612 [30AP]