FINANCIAL INSTITUTIONS

Addresses

Social Inclusion, Education Health and Culture—Breaking Barriers, Building Bridges and Creating Networks: H. Patrick Swygert, Howard University, E950 [21MY]

Amendments

Bankruptcy: extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (S. 1920), H157, H210, H211, H216 [28JA]

Government regulations: provide regulatory relief and improve productivity for insured depository institutions (H.R. 1375), H1251, H1262, H1264, H1265, H1267, H1268 [18MR]

Mexico: agree to certain amendments to the agreement establishing the North American Development Bank and the Border Environmental Cooperation Commission (H.R. 254), S2802 [12MR], H1388 [24MR]

Native American Capital Development Corp.: establish (S. 519), S11572 [19NO]

Articles and editorials

Banks and the College Loan Loophole, S9481 [22SE]

Fuzzy Math and Stock Options, S8486 [20JY]

Growing Profit Source for Banks—Fees From Riskiest Card Holders, S8744 [22JY]

OCC Caught in the Middle of Bank-Realtor Fight, E1123 [15JN]

SEC Chief Pans Bankruptcy Adviser Change, H220 [28JA]

Student Loan Scandal, S9482 [22SE]

Trust Betrayed? Native Americans Claim the U.S. Mismanaged Their Oil and Gas Legacies It Promised To Protect, S361 [2FE]

Bills and resolutions

Armed Forces: establish a program of interest-free loans for Reserve members who experience financial hardships as a result of being called to active duty (see H.R. 3962), H1071 [11MR]

———mitigate financial hardships experienced by Reserve members as a result of being called to active duty (see H. Con. Res. 374), H700 [26FE]

Bank Holding Company Act: clarify application of the credit card bank exception to certain limited purpose credit card banks serving community banks (see H.R. 5031), H6898 [8SE]

Bankruptcy: extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (see S. 2864), S9936 [29SE] (see H.R. 5167), H7863 [29SE]

———extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (S. 1920), consideration (see H. Res. 503), H127 [27JA]

———permanently reenact chapter 12 of the bankruptcy code relative to family farmers (see H.R. 5195), H7944 [30SE]

Business and industry: prohibit certain unfair or deceptive acts relative to gift cards (see S. 2969), S10986 [9OC]

Children and youth: encourage savings, promote financial literacy, and expand opportunities for young adults by establishing KIDS Accounts (see S. 2751), S8688 [22JY] (see H.R. 4939), H6702 [22JY]

Committee on Governmental Affairs (Senate): authorize production of records by the Permanent Subcommittee on Investigations (see S. Res. 415), S8689 [22JY]

Community Banking Month: designate (see H. Res. 591), H1790 [31MR]

Computers: criminalize Internet scams involving fraudulently obtaining personal information, commonly known as phishing (see S. 2636), S7896 [9JY]

Congress: disapprove certain regulations issued by the Office of the Comptroller of the Currency (see S.J. Res. 31, 32), S3919 [7AP] (see H.R. 4236, 4237), H2482 [28AP]

Consumers: extend certain protections to international remittance transfers of funds originating in the U.S. (see S. 2868), S10061 [30SE] (see H.R. 5315), H9048 [8OC]

Credit: ban abusive credit practices, enhance consumer disclosures and protect underage consumers (see S. 2755), S8688 [22JY]

———establish an equitable ceiling on credit card interest rates (see H.R. 5138), H7574 [23SE]

———impose restrictions on high-cost mortgages, revise fees and charges on certain loans, prohibit unfair or deceptive practices by mortgage brokers and creditors, and provide counseling about predatory lenders (see H.R. 3974), H1116 [16MR]

———protect the credit records of consumers who are affected by federally declared disasters (see H.R. 4220), H2405 [27AP]

Credit cards: prevent issuers from taking advantage of traditional college students and protect parents of such students (see H.R. 5060), H6997 [9SE]

Dept. of Education: provide student loan forgiveness to graduates who enter into certain public service (see H.R. 5270), H8857 [7OC]

Dept. of HUD: insure zero-downpayment mortgages for one-unit residences (see S. 2753), S8688 [22JY] (see H.R. 3755), H303 [3FE]

Dept. of the Treasury: direct the U.S. Executive Director at the Inter-American Development Bank to urge the release of loans approved for Haiti (see H.R. 3989), H1229 [17MR]

Dept. of Veterans Affairs: extend authority to guarantee hybrid adjustable rate mortgages for construction or purchase of homes by veterans (see H.R. 4616), H4579 [18JN]

———increase maximum amount of available home loan guaranty (see S. 2522), S6803 [15JN] (see H.R. 4345), H2917 [12MY]

———provide additional safeguards for benefit recipients who have fiduciaries for receipt and management of benefit payments (see H.R. 4032), H1592 [25MR]

Education: increase student loan forgiveness to highly-qualified teachers in mathematics, science, and special education, and for reading specialists (see H.R. 4410), H3437 (see H.R. 4410), H3537 [20MY]

———provide for refinancing of consolidated student loans (see S. 2198), S2717 [11MR]

———reduce certain special allowance payments and provide additional teacher loan forgiveness on Federal student loans (see H.R. 5186), H7944 [30SE]

———reduce special allowance for loans from the proceeds of tax-exempt issues and provide additional loan forgiveness for teachers who teach mathematics, science, or special education (see S. 2877), S10061 [30SE]

Employment: prevent conflicts of interest by establishing post-employment limitations on bank examiners-in-charge (see H.R. 5097), H7234 [15SE]

Expedited Funds Availability Act: redress imbalances between faster withdrawals permitted under the Check 21 Act and slower rates for crediting deposits (see H.R. 5410), H10078 [19NO]

Farm Credit Act: establish certain conditions under which a Farm Credit System institution can terminate its status as a System institution (see S. 2851), S9812 [28SE]

———extend support to the commercial fishing industry (see H.R. 4210), H2371 [22AP]

Farm Security and Rural Investment Act: increase loan rate for safflower (see S. 2251), S3294 [29MR]

FHA: preserve ability to insure certain mortgages (see S. 2712), S8548 [21JY]

Financial Accounting Standards Board: maintain independence and integrity (see S. Res. 412), S8474 [20JY]

Financial Literacy Month: designate (see S. Res. 316), S2440 [9MR]

———support goals and ideals (see H. Res. 578), H1593 [25MR]

Government regulations: impose a cooling off period before a senior Federal financial institutions examiner may be employed by the financial institution examined by that person (see S. 2814), S9386 [20SE]

———increase the aggregate asset size limitation of the small bank regulatory relief provision and provide for future adjustments for inflation (see H.R. 3952), H1071 [11MR]

———provide regulatory relief and improve productivity for insured depository institutions (H.R. 1375), consideration (see H. Res. 566), H1228 [17MR]

Hamilton, Alexander: preserve image on ten dollar bill (see S. Con. Res. 132), S8689 [22JY] (see H. Con. Res. 483), H6705 [22JY]

Higher Education Act: extend loan forgiveness for certain loans to certified or licensed teachers (see H.R. 4465), H3439 (see H.R. 4465), H3539 [20MY]

International economic relations: provide for cancellation of debts owed to international financial institutions by poor countries (see H.R. 4793), H5470 [9JY]

Investments: enhance mutual fund investor protections (see S. 2497), S6450 [3JN]

Minorities: commemorate anniversary of Citizens Savings Bank and Trust Co., and honor the contributions of minority-owned banks (see H. Con. Res. 394), H1369 [23MR]

Money: provide international money transfer services to nonmembers and require certain disclosures in connection with any international money transfer (see H.R. 4348), H2917 [12MY]

National Transparency Day: support goals and ideals (see H. Con. Res. 350), H127 [27JA] (see H. Res. 624), H2548 [4MY]

Pharmaceuticals: standardize certification of Internet pharmacies and prohibit certain advertising activities and the use of certain bank instruments for purchases associated with illegal Internet pharmacies (see H.R. 4612), H4579 [18JN]

Power resources: provide loan guarantees for renewable energy projects using biomass material (see H.R. 4297), H2657 [5MY]

Privacy: ensure protection of personally identifiable information outsourced abroad through increased disclosure, compliance with U.S. privacy standards, and accountability (see S. 2472), S5950 [20MY] (see S. 2481), S6274 [1JN]

———regulate the transmission of personally identifiable information to foreign affiliates and subcontrctors (see S. 2312), S4024 [8AP] (see S. 2471), S5950 [20MY]

SBA: improve loan programs (see S. 2193), S2543 [10MR]

———reauthorize loan programs (see S. 2821), S9441 [21SE] (see H.R. 5108), H7328 [21SE]

SEC: prohibit certain entities from trading in capital markets in the U.S. (see H.R. 4426), H3438 (see H.R. 4426), H3537 [20MY]

Small Business Act: reauthorize certain loan programs (see S. 2915), S10702 [7OC]

Social Security: enhance privacy protections for individuals and prevent fraudulent misuse of account numbers (see S. 2801), S9220 [14SE]

———reduce risk of identity theft by limiting use of Social Security numbers on certain Government-issued identification cards and Government documents (see H.R. 4846), H5908 [15JY]

States: clarify applicability of State law to national banks (see S. 2973), S10986 [9OC] (see H.R. 5251), H8857 [7OC]

Taxation: allow withdrawals from individual retirement plans without penalty by individuals within natural disaster areas determined by the President occurring in 2004 (see S. 2835), S9611 [23SE] (see H.R. 5094), H7233 [15SE]

———encourage a strong community-based banking system (see S. 2220), S2859 [22MR]

———exclude from gross income discharges of indebtedness attributable to certain forgiven residential mortgage obligations (see S. 2955), S10846 [8OC]

———exclude from gross income interest received on loans secured by agricultural real property (see H.R. 4295), H2657 [5MY]

———provide additional protections for recipients of the earned income tax credit (see S. 2947), S10845 [8OC]

———simplify the deduction for points paid relative to home mortgages (see H.R. 4134), H2152 [2AP]

———treatment of certain qualified mortgages held by a real estate mortgage investement company or a grantor trust (see H.R. 4113), H2018 [1AP]

———treatment of certain qualified mortgages held by a real estate mortgage investment company or a grantor trust (see S. 2422), S5472 [13MY]

———treatment of student loan payments made by employers on behalf of employees (see H.R. 4723), H5149 [25JN]

Truth in Lending Act: limit liability of any assignee of a creditor (see H.R. 4719), H5149 [25JN]

Veterans: increase maximum amount of available home loan guaranty (see H.R. 4065), H1739 [30MR]

Explanations

Omnibus Consolidated Appropriations (H.R. 4818): SBA Loan Programs Reauthorization, S11751-S11757 [20NO], H10196-H10202 [20NO]

Letters

Address deceptive sales practices used by certain financial advisors on military bases: Senator Clinton, S8601 [22JY]

Bankruptcy reform: Edith H. Jones, U.S. Court of Appeals, Fifth Circuit, H151, H219 [28JA]

———Representative Oxley, Committee on Financial Services (House), H156 [28JA]

———Representative Sensenbrenner, Committee on the Judiciary (House), H156 [28JA]

———William H. Donaldson, SEC, H220 [28JA]

Community Banking Month: Representative Oxley, Committee on Financial Services (House), H4586 [21JN]

———Representative Tom Davis, Committee on Government Reform (House), H4586 [21JN]

Family Farmer Bankruptcy Relief Act: several agricultural organizations, S10611 [6OC]

Financial institutions acceptance of foreign consular-issued identification cards: James B. Comey, Dept. of Justice, H7160 [14SE]

Industrial loan companies regulatory compliance: Donald E. Powell, FDIC, H1246 [18MR]

International Remittance Consumer Protection Act: Gail Hillebrand, Consumers Union, Jean A. Fox, Consumer Federation of America, Margot Saunders, National Consumer Law Center, and Edmund Mierzwinsky, U.S. Public Interest Research Group, S10068 [30SE]

———Gustavo Torres, CASA of Maryland, Inc., S10068 [30SE]

———Raul Yzaguirre, National Council of La Raza, S10067 [30SE]

———Wade Henderson and Nancy Zirkin, Leadership Conference on Civil Rights (organization), S10067 [30SE]

Mutual fund investor protections enhancements: several organizations, S6455 [3JN]

Reenactment period extension for chapter 12 of the bankruptcy code relative to family farmers: David J. Frederickson, National Farmers Union, H147, H150 [28JA]

———George Naylor, National Family Farm Coalition, H147 [28JA]

———Mark Smith, Farm Aid (organization), H146 [28JA]

Motions

Bankruptcy: extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (S. 1920), H216, H219 [28JA]

Press releases

MALDEF Applauds Sarbanes Bill To Regulate Remittances and Protect Latinos' Consumer Rights: Ann Marie Tallman, Mexican American Legal Defense and Educational Fund (organization), S10067 [30SE]

Proclamations

National Mortgage Broker Day: Representative Ney, E804 [11MY]

Questions and answers

Industrial loan companies regulatory compliance: FDIC, H1247 [18MR]

Remarks in House

AID: Child Survival and Health Programs Fund funding through reductions in International Development Association funding, H5824, H5825 [15JY]

Bank of America Corp.: treatment of minority communities relative to merger with FleetBoston Financial Corp., E404 [18MR]

Bankruptcy: conflicts of interest by investment bankers involved in bankruptcy reorganizations, H219-H222 [28JA]

———extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (S. 1920), H148-H218 [28JA], E84 [30JA], E95 [3FE]

———extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (S. 1920), consideration (H. Res. 503), H143-H148 [28JA]

———extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (S. 1920), motion to instruct conferees, H219-H222 [28JA]

———extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (S. 1920), motion to recommit, H217, H218 [28JA]

———extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (S. 2864), H9011 [8OC]

———permanently reenact chapter 12 of the bankruptcy code relative to family farmers, H212-H216 [28JA]

———protect financially distressed military families and veterans from the means test, H217 [28JA]

———reform, H144-H222 [28JA]

Children and youth: encourage savings, promote financial literacy, and expand opportunities for young adults by establishing KIDS Accounts (H.R. 4939), E1499 [22JY]

Community Banking Month: designate (H. Res. 591), H4585-H4587 [21JN]

Congress: disapprove certain regulations issued by the Office of the Comptroller of the Currency (H.R. 4236), E689, E692 [28AP]

———disapprove certain regulations issued by the Office of the Comptroller of the Currency (H.R. 4237), E689, E692 [28AP]

Credit: protect the credit records of consumers who are affected by federally declared disasters (H.R. 4220), E663 [27AP]

Credit unions: allow access to the Federal Home Loan Bank, H1250 [18MR]

———expand access of Federal credit union members to money order and check cashing services, H1250 [18MR]

———international credit union development projects funding, E1309 [7JY]

———tribute, E880 [17MY]

Crime: establish penalties for aggravated identity theft (H.R. 1731), H4808-H4811 [23JN], E2056 [18NO]

Demand deposits: repeal prohibition on payment of interest, H1270 [18MR]

Dept. of Defense: address deceptive sales practices used by certain financial advisors on military bases, H7300 [21SE]

Dept. of Education: combat waste, fraud, and abuse in Pell Grants, H3696 [2JN]

———prohibit the use of funds to administer or pay any special allowance under sections of the Higher Education Act relative to special student loan subsidies, H6939 [9SE]

Dept. of HUD: real estate settlement costs final rule, E6 [20JA]

Dept. of the Treasury: direct the U.S. Executive Director at the Inter-American Development Bank to urge the release of loans approved for Haiti (H.R. 3989), E398 [17MR]

———Financial Crimes Enforcement Network funding, H7153, H7154, H7179-H7181 [14SE]

———financial institutions acceptance of foreign consular-issued identification cards, H7155-H7165 [14SE], H7194 [15SE], H7568 [23SE], E1641, E1645 [15SE], E1652 [17SE]

Dept. of Veterans Affairs: extend authority to guarantee hybrid adjustable rate mortgages for construction or purchase of homes by veterans (H.R. 4616), E1182 [18JN]

———increase maximum amount of available home loan guaranty (H.R. 4345), H4818-H4821 [23JN]

———provide additional safeguards for benefit recipients who have fiduciaries for receipt and management of benefit payments, E1881 [11OC]

———provide additional safeguards for benefit recipients who have fiduciaries for receipt and management of benefit payments (H.R. 4032), E457 [26MR]

Education: expand loan forgiveness and loan cancellation programs for teachers and nurses (H.R. 934), E737 [4MY]

———increase amount of loan forgiveness for teachers (H.R. 1751), E737 [4MY]

———increase student loan forgiveness to highly-qualified teachers in mathematics, science, and special education, and for reading specialists (H.R. 4410), H3706 [2JN]

———increase student loan forgiveness to teachers in mathematics, science, and special education (H.R. 438), H8325 [6OC]

———Pell Grants and Perkins Loans funding, H2297 [22AP]

———reduce certain special allowance payments and provide additional teacher loan forgiveness on Federal student loans (H.R. 5186), H8319-H8326 [6OC], E1984 [16NO]

———student financial aid programs, H3184, H3185 [18MY]

Eximbank: anniversary, E187 [24FE]

———prohibit funding to approve loan guarantees to businesses reincorporating overseas, H5874-H5878 [15JY]

———tribute, E229 [25FE]

Farm Credit Act: extend support to the commercial fishing industry (H.R. 4210), E620 [22AP]

Federal Credit Union Act: anniversary, E1258, E1286 [25JN]

FHA: preserve ability to insure certain mortgages (S. 2712), H6695 [22JY]

Financial Literacy Month: support goals and ideals (H. Res. 578), H2388-H2392 [27AP], E459 [26MR], E742 [5MY]

First National Bank of the Rockies: anniversary, E920 [19MY]

FRS: impact of interest rates on economic conditions, H5540 [13JY]

Government regulations: adjust liability standards applied to third-party independent contractors working for a bank, H1265 [18MR]

———impact of certain expedited mergers between depository institutions on communities and customers, H1240, H1267, H1268 [18MR]

———place certain limits on newly chartered branches of certain industrial loan companies, H1242, H1244, H1246, H1248-H1251, H1263, H1264, H1270 [18MR]

———prohibit commercial banks from charging a fee to the depositor of a check that is returned for insufficient funds, H1238, H1242, H1266 [18MR]

———provide regulatory relief and improve productivity for insured depository institutions (H.R. 1375), H1241-H1274 [18MR]

———provide regulatory relief and improve productivity for insured depository institutions (H.R. 1375), amendment process, H1235-H1241 [18MR], E365 [12MR]

———provide regulatory relief and improve productivity for insured depository institutions (H.R. 1375), consideration (H. Res. 566), H1234-H1241 [18MR]

———provide regulatory relief and improve productivity for insured depository institutions (H.R. 1375), corrections in engrossment, H1274 [18MR]

———reduce waiting period for mergers by banks and bank holding companies following approval by the Dept. of Justice, H1264 [18MR]

Housing: ensure proper management of housing-related Government-sponsored enterprises while protecting affordable housing loans in the secondary market, H1277 [18MR]

Immigration: allow acceptance of consular-issued identification cards, H8978, H8981-H8984 [8OC]

Indiana: anniversary of Peoples Bank, E5 [20JA]

International economic relations: emphasize need for social inclusion in economic development, E949 [21MY]

Mexico: agree to certain amendments to the agreement establishing the North American Development Bank and the Border Environmental Cooperation Commission (H.R. 254), Senate amendment, H1388-H1393 [24MR]

Miami, FL: anniversary of Continental National Bank, E1692 [24SE]

Minorities: commemorate anniversary of Citizens Savings Bank and Trust Co., and honor the contributions of minority-owned banks (H. Con. Res. 394), E427 [23MR]

Office of the Comptroller of the Currency: prohibit funding to implement, litigate or defend the legality of, or enforce certain regulations relative to applicability of State consumer protection laws to national banks, H5370-H5372 [8JY], H7196-H7198 [15SE]

Pennsylvania: observance of Community Banking Week, E552 [20AP]

San Diego, CA: tribute to Union Bank of California and KPBS-Radio (San Diego, CA) Hispanic Heritage Month Local Hero Award recipients, E1683 [22SE]

Savings associations: remove limitation that prevents offering a larger percentage of automobile loans to customers, H1250 [18MR]

SBA: reauthorize loan programs, H10196 [20NO]

———7(a) guarantee loan program funding, H5240-H5253 [7JY], H5335, H5378 [8JY], E1401 [16JY]

Taxation: permit consolidation of life insurance companies with other companies (H.R. 2228), H6479 [21JY]

———simplify the deduction for points paid relative to home mortgages (H.R. 4134), E518 [2AP]

Walker, Holly: Discover Card Tribute Award Scholarship recipient, E1267 [25JN]

Remarks in Senate

Bankruptcy: extend reenactment period for chapter 12 of the bankruptcy code relative to family farmers (S. 2864), S10611 [6OC]

Children and youth: encourage savings, promote financial literacy, and expand opportunities for young adults by establishing KIDS Accounts (S. 2751), S8736 [22JY]

Colleges and universities: improve quality, affordability, diversity, and accessibility to qualified students (S. 1793), S9323 [15SE]

Committee on Governmental Affairs (Senate): authorize production of records by the Permanent Subcommittee on Investigations (S. Res. 415), S8800 [22JY]

Computers: criminalize Internet scams involving fraudulently obtaining personal information, commonly known as phishing (S. 2636), S7897 [9JY]

Congress: disapprove certain regulations issued by the Office of the Comptroller of the Currency (S.J. Res. 31), S3944 [7AP]

———disapprove certain regulations issued by the Office of the Comptroller of the Currency (S.J. Res. 32), S3944 [7AP]

Consumers: extend certain protections to international remittance transfers of funds originating in the U.S. (S. 2868), S10063-S10065 [30SE]

Credit: ban abusive credit practices, enhance consumer disclosures and protect underage consumers (S. 2755), S8743-S8746 [22JY]

Crime: establish penalties for aggravated identity theft (H.R. 1731), S7527 [25JN]

Dept. of Defense: address deceptive sales practices used by certain financial advisors on military bases, S8601 [22JY]

Dept. of HUD: insure zero-downpayment mortgages for one-unit residences (S. 2753), S8738 [22JY], S8863 [7SE]

———provide temporary mortgage assistance to workers displaced due to international competition, S4821 [4MY]

Dept. of Labor: provide temporary mortgage assistance to workers displaced due to international competition, S3091 [24MR]

Dept. of the Treasury: establish financial attaches in certain countries, S11625 [19NO]

Dept. of Veterans Affairs: increase maximum amount of available home loan guaranty (S. 2522), S6807 [15JN]

Education: provide for refinancing of consolidated student loans (S. 2198), S2722 [11MR]

———reduce certain special allowance payments and provide additional teacher loan forgiveness on Federal student loans (H.R. 5186), S10918-S10921 [9OC]

———reduce special allowance for loans from the proceeds of tax-exempt issues and provide additional loan forgiveness for teachers who teach mathematics, science, or special education (S. 2877), S10071 [30SE]

Eximbank: anniversary, S1277 [12FE]

———limit extension of certain credit, S9590 [23SE]

Fannie Mae: Office of Federal Housing Enterprise Oversight investigation of management practices, S9806 [28SE]

Farm Credit Act: establish certain conditions under which a Farm Credit System institution can terminate its status as a System institution (S. 2851), S9762, S9814 [28SE]

FHA: preserve ability to insure certain mortgages (S. 2712), S8627 [22JY]

Financial Accounting Standards Board: maintain independence and integrity (S. Res. 412), S8485 [20JY]

Financial Literacy Month: designate (S. Res. 316), S2459 [9MR]

Government regulations: combat terrorist financing and impose post-employment limitations on Federal bank examiners, S10355-S10357 [4OC]

Hamilton, Alexander: preserve image on ten dollar bill (S. Con. Res. 132), S8774 [22JY]

Idaho: anniversary of D.L. Evans Bank, S4904 [5MY]

Investments: enhance mutual fund investor protections (S. 2497), S6452-S6454 [3JN]

Laurel, KY: anniversary of Cumberland Valley National Bank, S9720 [27SE]

Lincoln, IL: anniversary of State Bank of Lincoln, S33 [20JA]

Mexico: agree to certain amendments to the agreement establishing the North American Development Bank and the Border Environmental Cooperation Commission (H.R. 254), S2755 [12MR]

National Guard: assess suitability of using Delaware Air National Guard personnel for information assurance and financial tracking development in support of the war on terrorism, S7278 [23JN]

National security: assist Federal agencies in addressing deficiencies in specialized personnel through student loan repayment, graduate student fellowships, and establishing a National Security Service Corps, S11976 [8DE]

———assist Federal agencies in addressing deficiencies in specialized personnel through student loan repayment, graduate student fellowships, and establishing a National Security Service Corps (S. 589), S3936 [7AP]

Native American Capital Development Corp.: establish (S. 519), S11577 [19NO]

Privacy: ensure protection of personally identifiable information outsourced abroad through increased disclosure, compliance with U.S. privacy standards, and accountability (S. 2472), S6006, S6009 [20MY]

———ensure protection of personally identifiable information outsourced abroad through increased disclosure, compliance with U.S. privacy standards, and accountability (S. 2481), S6275 [1JN]

———regulate the transmission of personally identifiable information to foreign affiliates and subcontractors, S5205 [11MY]

Rural areas: economic development programs funding, S5385 [13MY]

SBA: improve loan programs (S. 2193), S2559 [10MR], S3595 [1AP]

———reauthorize loan programs, S11749-S11751, S11789 [20NO]

———reauthorize loan programs (S. 2821), S9447 [21SE]

Small business: allow certain premier certified lenders to elect to maintain an alternative loss reserve (H.R. 923), S5726, S5727 [18MY]

Social Security: enhance privacy protections for individuals and prevent fraudulent misuse of account numbers (S. 2801), S9224 [14SE]

States: clarify applicability of State law to national banks (S. 2973), S10988 [9OC]

Taxation: allow a deduction for premiums on mortgage insurance (S. 846), S2215 [4MR]

———allow withdrawals from individual retirement plans without penalty by individuals within natural disaster areas determined by the President occurring in 2004 (S. 2835), S9614 [23SE]

———encourage a strong community-based banking system (S. 2220), S2862 [22MR]

———encourage homeownership and maintain mortgage interest deduction, S11614 [19NO]

———provide additional protections for recipients of the earned income tax credit (S. 2947), S10848 [8OC]

———treatment of certain qualified mortgages held by a real estate mortgage investment company or a grantor trust (S. 2422), S5480, S5481 [13MY]

———treatment of policyholder dividends of mutual life insurance companies and policyholder surplus accounts, S3985 [8AP]

Unemployment: allow access to Individual Retirement Accounts upon exhaustion of benefits, S2663 [11MR]

Vermont Housing Finance Agency: anniversary, S6270 [1JN]

Reports filed

Consideration of H.R. 1375, Financial Services Regulatory Relief Act: Committee on Rules (House) (H. Res. 566) (H. Rept. 108-439), H1228 [17MR]

Consideration of S. 1920, Reenactment Period Extension for Chapter 12 of the Bankruptcy Code Relative to Family Farmers: Committee on Rules (House) (H. Res. 503) (H. Rept. 108-407), H127 [27JA]

Financial Services Regulatory Relief Act: Committee on Financial Services (House) (H.R. 1375) (H. Rept. 108-152), H1116 [16MR]

Identity Theft Penalty Enhancement Act: Committee on the Judiciary (House) (H.R. 1731) (H. Rept. 108-528), H3820 [8JN]

Native American Capital Formation and Economic Development Act: Committee on Indian Affairs (Senate) (S. 519) (S. Rept. 108-404), S11377 [16NO]

Social Security Number Privacy and Identity Theft Prevention Act: Committee on Ways and Means (House) (H.R. 2971) (H. Rept. 108-685), H7137 [14SE]

Zero Downpayment Act: Committee on Financial Services (House) (H.R. 3755) (H. Rept. 108-748), H8407 [6OC]

Resolutions by organizations

Tribute to New Hampshire credit unions and New Hampshire Credit Union League: Neighborhood Reinvestment Corp., E264 [1MR]

Texts of

H. Res. 503, consideration of S. 1920, reenactment period extension for chapter 12 of the bankruptcy code relative to family farmers, H144 [28JA]

H. Res. 566, consideration of H.R. 1375, Financial Services Regulatory Relief Act, H1234 [18MR]

H. Res. 578, support goals and ideals of Financial Literacy Month, H2388 [27AP]

H. Res. 591, Community Banking Month, H4585 [21JN]

H.R. 254, agree to certain amendments to the agreement with Mexico establishing the North American Development Bank and the Border Environmental Cooperation Commission, H1388 [24MR]

H.R. 1375, Financial Services Regulatory Relief Act, H1251-H1262 [18MR]

H.R. 1731, Identity Theft Penalty Enhancement Act, H4808 [23JN]

H.R. 4345, increase maximum amount of available Dept. of Veterans Affairs home loan guaranty, H4818 [23JN]

H.R. 5186, Taxpayer-Teacher Protection Act, H8319 [6OC]

S. 519, Native American Capital Formation and Economic Development Act, S11572-S11576 [19NO]

S. 1920, reenactment period extension for chapter 12 of the bankruptcy code relative to family farmers, H157-H210 [28JA]

S. 2193, Small Business Loan Revitalization Act, S2560 [10MR]

S. 2220, Community Savings and Investment Act, S2862 [22MR]

S. 2422, tax treatment of certain qualified mortgages held by a real estate mortgage investment company or a grantor trust, S5481 [13MY]

S. 2472, Increasing Notice of Foreign Outsourcing Act, S6007-S6009 [20MY]

S. 2481, Increasing Notice of Foreign Outsourcing Act, S6276-S6278 [1JN]

S. 2522, increase maximum amount of available Dept. of Veterans Affairs home loan guaranty, S6807 [15JN]

S. 2712, preserve FHA ability to insure certain mortgages, S8627 [22JY], H6695 [22JY]

S. 2753, Zero Downpayment Act, S8738 [22JY]

S. 2801, Social Security Number Privacy and Identity Theft Prevention Act, S9225-S9231 [14SE]

S. 2851, establish certain conditions under which a Farm Credit System institution can terminate its status as a System institution, S9814 [28SE]

S. 2864, Family Farmer Bankruptcy Relief Act, S9955 [29SE], S10611 [6OC], H9011 [8OC]

S. 2868, International Remittance Consumer Protection Act, S10065-S10067 [30SE]

S. 2877, Taxpayer-Teacher Protection Act, S10072 [30SE]

S. 2947, Taxpayer Abuse Prevention Act, S10849 [8OC]

S. 2969, Fair Gift Card Act, S10986 [9OC]

S. 2973, Preservation of Federalism in Banking Act, S10989 [9OC]

S. Con. Res. 132, preserve image of Alexander Hamilton on ten dollar bill, S8774 [22JY]

S. Res. 316, Financial Literacy Month, S2450, S2460 [9MR]

S. Res. 412, maintain Financial Accounting Standards Board independence and integrity, S8485 [20JY]

S. Res. 415, Committee on Governmental Affairs (Senate) Permanent Subcommittee on Investigations records production, S8768, S8800 [22JY]

S.J. Res. 31, congressional disapproval of certain regulations issued by the Office of the Comptroller of the Currency, S3945 [7AP]

S.J. Res. 32, congressional disapproval of certain regulations issued by the Office of the Comptroller of the Currency, S3945 [7AP]