FINANCIAL INSTITUTIONS

Addresses

Increasing Economic Opportunity—Challenges and Strategies: Ben S. Bernanke, Federal Reserve Board Chair, H4559-H4561 [27JN]

Amendments

Computers: prevent the use of certain bank instruments, credit cards, and fund transfers for unlawful Internet gambling (H.R. 4411), H4958 [10JY], H4976, H4998 [11JY]

Credit: improve ratings quality through competition, transparency, and accountability in the credit rating agency industry (H.R. 2990), H5087, H5089, H5090 [12JY]

———improve ratings quality through competition, transparency, and accountability in the credit rating agency industry (H.R. 2990), consideration (H. Res. 906), H5062 [12JY]

Financial Literacy Month: designate (S. Res. 410), S2539, S2541 [29MR]

National security: support efforts to track terrorist financing and condemn disclosure and publication of classified information on this crucial method by which terrorists are traced (H. Res. 895), consideration (H. Res. 896), H4826 [29JN]

Articles and editorials

Can Developing Countries Be Financial Saviors of Rich Nations?, E1080 [8JN]

Finances of Terror, S6601 [28JN]

GOP Offers Gambling Bill as Abramoff Elixir, H4974 [11JY]

Horse Racing Is Betting on Internet Wagering, H5000 [11JY]

Patriotism and the Press, H4881 [29JN]

Terrorist Funds-Tracking No Secret, Some Say—Cite White House Boasts of Tighter Monitoring System, H4821 [29JN]

Who's Overreaching?—GOP Blows Political Smoke Over Leaks, H4822 [29JN]

Bills and resolutions

Armed Forces: enhance protection of credit ratings of active duty military personnel who are activated for service (see H.R. 4984), H1128 [16MR]

Children and youth: promote youth financial education (see H.R. 5046), H1319 [29MR]

Committee on Financial Services (House): require annual testimony by the SEC, Financial Accounting Standards Board, and Public Company Accounting Oversight Board, on efforts to promote transparency in financial reporting (see H.R. 5024), H1195 [28MR]

Computers: prevent the use of certain bank instruments, credit cards, and fund transfers for unlawful Internet gambling (H.R. 4411), consideration (see H. Res. 907), H4957 [10JY]

Consumers: 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. 5350), H2502 [10MY]

Contracts: improve the netting process for financial contracts (see H.R. 5585), H3787 [12JN]

Credit: ban abusive credit practices, enhance consumer disclosures and protect underage consumers (see H.R. 5383), H2585 [11MY]

———improve ratings quality through competition, transparency, and accountability in the credit rating agency industry (H.R. 2990), consideration (see H. Res. 906), H4957 [10JY]

———protect consumers, especially young consumers, from increasing consumer debt and credit card solicitations and establish financial literacy and education program in elementary and secondary schools (see S. 2654), S3588 [26AP]

Credit cards: prohibit universal default practices by issuers, limit fees that may be imposed on accounts, and require issuers to verify a prospective consumer's ability to pay before extending credit to the consumer (see S. 2655), S3588 [26AP]

Dept. of Education: establish and maintain public website with a database of available scholarships, fellowships, and financial assistance programs in science, technology, engineering, and mathematics (see H.R. 5139), H1678 [6AP]

Dept. of the Treasury: carry out a program to temporarily make payments under residential mortgage loans for properties significantly damaged by Hurricane Katrina (see H.R. 4991), H1128 [16MR]

Disasters: encourage U.S. financial services industry to develop and implement plans to address challenges posed to national and international economies by pandemic or bioterrorism events (see H. Res. 909), H5047 [11JY]

Education: establish a student loan forgiveness program for nurses (see H.R. 5349), H2502 [10MY]

———provide student borrowers with basic rights, including the right to timely information about their loans and the right to make fair and reasonable loan payments (see S. 3255), S5341 [26MY]

———reduce student loan interest rates, authorize Pell Grant funding, allow loan consolidation, and provide for Federal Direct Loan Program administrative account (see S. 2573), S3211 [6AP]

Eximbank: reauthorize and reform operations (see H.R. 5068), H1389 [30MR]

FDIC: establish industrial bank holding company regulation (see H.R. 5746), H4957 [10JY]

FHA: increase maximum mortgage limit for FHA-insured mortgages for multifamily housing located in high-cost areas (see H.R. 5503), H3307 (see H.R. 5503), H3360 [25MY]

Financial Literacy Month: designate (see S. Res. 410), S2467 [28MR]

———encourage minority participation in goals (see H. Con. Res. 387), H1679 [6AP]

———support goals and ideals (see H. Res. 737), H1196 [28MR]

Foreign trade: oppose OPIC, IMF or Eximbank aid to countries that subsidize their steel industries and for projects producing goods subject to antidumping duties (see H.R. 5627), H4134 [15JN]

FRS: require the Board of Governors to continue to make available to the public information on the measure of the M3 monetary aggregate and its components (see H.R. 4892), H644 [7MR]

Go Direct Month: designate (see S. Res. 363), S446 [1FE]

Government regulations: provide regulatory relief and improve productivity for insured depository institutions (see S. 2856), S4796 [18MY]

Haiti: urge multilateral financial institutions to immediately cancel debts under the Enhanced Heavily Indebted Poor Countries Initiative and the Multilateral Debt Relief Initiative (see H. Res. 888), H4520 [22JN]

Health care professionals: provide for the participation of physical therapists in the National Health Service Corps Loan Repayment Program (see H.R. 5134), H1677 [6AP]

Higher Education Act: provide additional support to students to decrease debt (see S. 3593), S6634 [28JN]

Housing: stop mortgage transactions which operate to promote fraud, risk, and underdevelopment (see S. 2280), S1175 [14FE]

Hurricanes: authorize bridge loan programs funding, increase small business access to export assistance in certain areas affected by Hurricanes Katrina, Rita, or Wilma, and authorize additional disaster loans (see S. 2482), S2603 [30MR]

Insurance: provide low-cost protection through State natural catastrophe insurance programs, encourage and promote mitigation and prevention for, and recovery and rebuilding from such events, and assist in financial recovery (see S. 3117), S5228 [25MY]

Investments: establish and provide for treatment of individual development accounts (see H.R. 4751), H273 [14FE]

Minorities: recognize and take active measures to increase the low presence of minorities and women in upper level positions of management in the financial services industry (see H. Con. Res. 429), H3908 [13JN]

Money: reform certain requirements for reporting cash transactions (see H.R. 5341), H2502 [10MY]

National security: condemn disclosure and publication of classified information about Terrorist Finance Tracking Program, National Security Agency's Terrorist Surveillance Program, and other counter-terrorism programs (see S. Res. 524), S6787 [29JN]

———support efforts to track terrorist financing and condemn disclosure and publication of classified information on this crucial method by which terrorists are traced (see H. Res. 895), H4795 [28JN]

———support efforts to track terrorist financing and condemn disclosure and publication of classified information on this crucial method by which terrorists are traced (H. Res. 895), consideration (see H. Res. 896), H4794 [28JN]

———support efforts to track terrorist financing under existing law and express concern over disclosure of classified information on methods by which terrorists are traced (see H. Res. 900), H4916 [29JN]

Native Americans: provide for sale and assignment of loans and underlying security (see H.R. 5780), H5128 [12JY]

Privacy: protect consumers and businesses from identity theft and require notice of security breaches (see S. 3568), S6492 [26JN]

SBA: reauthorize 7(a) loan guaranty program (see S. 2594), S3212 [6AP]

Servicemembers Civil Relief Act: protect credit of servicemembers deployed to an overseas combat zone and facilitate awareness of servicemembers' rights (see H.R. 5327), H2338 [9MY]

Small business: improve loans for members of the National Guard and Reserves (see S. 3122), S5228 [25MY]

———modernize the treatment of development companies (see S. 2595), S3212 [6AP]

Social Security: reduce risk of identity theft by limiting use of Social Security numbers on certain Government-issued identification cards and Government documents (see H.R. 5636), H4189 [16JN]

———require trust funds be held in trust for beneficiaries, ensure assets are not diverted, and authorize investment in securities that are not limited to those guaranteed by the U.S. (see H.R. 4965), H1059 [15MR]

Taxation: allow bonds guaranteed by Federal home loan banks to be treated as tax exempt bonds (see H.R. 5177), H1741 [25AP]

———establish Catastrophe Savings Accounts (see S. 3115), S5227 [25MY] (see H.R. 4836), H508 [1MR]

———exclude from gross income interest received on loans secured by agricultural real property and rural housing (see H.R. 4854), H564 [2MR]

———extend and expand the deduction for tuition and related expenses for higher education and reduce the maximum interest rate allowable on student loans (see H.R. 5098), H1562 [5AP]

Letters

American University governance issues: Senator Grassley, Committee on Finance (Senate), S4691 [17MY]

Credit Rating Agency Duopoly Relief Act: Association for Financial Professionals, Investment Company Institute, and Financial Services Roundtable, H5085 [12JY]

———Jim Kaitz, Association for Financial Professionals, H5084 [12JY]

———John R. Vogt, Bond Market Association, H5084 [12JY]

———Paul S. Stevens, Investment Company Institute, H5084 [12JY]

———Steve Bartlett, Financial Services Roundtable, H5085 [12JY]

New York (NY) Times publication of story detailing classified program to track terrorist financing: John W. Snow, Sec. of the Treasury, S6601 [28JN]

Student loan costs and interest rates, E502 [4AP]

Support Financial Literacy Month goals and ideals: Alessandro Iuppa and Catherine J. Weatherford, National Association of Insurance Commissioners, E659 [27AP]

———Christopher L. Williston, Independent Bankers Association of Texas, H1488 [5AP]

———Daniel A. Mica, Credit Union National Association, H1488 [5AP], E625 [26AP]

———Daniel B. Moisand, Financial Planning Association, H1488 [5AP]

———Denise Voigt Crawford, Texas State Securities Board, E625 [26AP]

———Derick Rill, FTC, E659 [27AP]

———Dick Ensweiler, Texas Credit Union League, E625 [26AP]

———Ed Shovar, Securities Industry Association, E670 [1MY]

———Jim Nabors II, National Association of Mortgage Brokers, E625 [26AP]

———Joshua Peirez, MasterCard International, Inc., H1488, H1490 [5AP]

———Lisa B. Nelson, Visa U.S.A. Inc., H1490 [5AP]

———Liz Coit, Networks Financial Institute, Indiana State University, H1487, H1489 [5AP]

———Patricia D. Struck, North American Securities Adminstrators Association, Inc., H1487, H1489 [5AP]

———President Bush, E659 [27AP]

———Rick Perry, Governor of Texas, E659 [27AP]

———Robert F. Duvall, National Council on Economic Education, E670 [1MY]

Unlawful Internet Gambling Enforcement Act: Representative Barton, Committee on Energy and Commerce (House), H4994 [11JY]

———Representative Conyers, H4974 [11JY]

———Representative Sensenbrenner, Committee on the Judiciary (House), H4994 [11JY]

Messages

National Emergency Relative to Iraq: President Bush, S4794 [18MY]

Motions

Computers: prevent the use of certain bank instruments, credit cards, and fund transfers for unlawful Internet gambling (H.R. 4411), H5006 [11JY]

Outlines

Credit Card Accountability, Responsibility, and Disclosure (Credit CARD) Act (H.R. 5383), E817 [12MY]

Press releases

Support Financial Literacy Month Goals and Ideals: Independent Community Bankers of America (organization), H1488 [5AP]

Remarks in House

Armed Forces: limit percentage of paycheck garnished for recovery of overpayments made to servicemembers, H2538, H2539 [11MY]

Computers: prevent the use of certain bank instruments, credit cards, and fund transfers for unlawful Internet gambling (H.R. 4411), H4978-H5001, H5005-H5008 [11JY], E1380 [12JY]

———prevent the use of certain bank instruments, credit cards, and fund transfers for unlawful Internet gambling (H.R. 4411), consideration (H. Res. 907), H4969-H4978 [11JY]

———prevent the use of certain bank instruments, credit cards, and fund transfers for unlawful Internet gambling (H.R. 4411), motion to recommit, H5006, H5007 [11JY]

Credit: ban abusive credit practices, enhance consumer disclosures and protect underage consumers (H.R. 5383), E817 [12MY]

———improve ratings quality through competition, transparency, and accountability in the credit rating agency industry (H.R. 2990), H5080-H5094 [12JY]

———improve ratings quality through competition, transparency, and accountability in the credit rating agency industry (H.R. 2990), consideration (H. Res. 906), H5056-H5062 [12JY]

———improve ratings quality through competition, transparency, and accountability in the credit rating agency industry (H.R. 2990), corrections in engrossment, H5095 [12JY]

Dept. of Agriculture: prohibit funding for salaries and expenses of personnel who make high interest loans to sugar processors, H2965 [22MY], H3021, H3028, H3090-H3093 [23MY], E843 [16MY]

Developing countries: debt relief, E1080 [8JN]

Economy: dominance of the U.S. dollar as the world's reserve currency, H318-H324 [15FE], H1729-H1733 [25AP]

———support financial education and literacy, H4559-H4562 [27JN]

Education: establish a student loan forgiveness program for nurses (H.R. 5349), H2343 [10MY]

———extend student loan forgiveness to include medical specialists with a residency program of more than five years, H1275 [29MR]

———extend student loan forgiveness to school counselors, social workers, and psychologists, H1356 [30MR]

———funding, H649 [8MR], H1460 [5AP]

———Pell Grants and Perkins Loans funding, H1212, H1221 [29MR], H1329 [30MR]

———student financial aid programs, H228 [14FE], H512 [2MR], H1212, H1215, H1217, H1307 [29MR], H1325 [30MR], E146 [14FE], E611 [26AP]

———student loan programs, H55, H59 [1FE], H217, H218 [8FE], H512, H551 [2MR], H1217 [29MR], H4214, H4215 [19JN], H4390 [21JN]

Eximbank: prohibit funding for making any loans or loan guarantees for oil and gas field development projects, H3693-H3695 [9JN]

Federal deposit insurance system: reform, H55, H59 [1FE]

Financial Literacy Month: support goals and ideals (H. Res. 737), H1486-H1492 [5AP], E625 [26AP], E658 [27AP], E670 [1MY]

Foreign trade: oppose OPIC, IMF or Eximbank aid to countries that subsidize their steel industries and for projects producing goods subject to antidumping duties (H.R. 5627), E1162 [15JN]

FRS: require the Board of Governors to continue to make available to the public information on the measure of the M3 monetary aggregate and its components (H.R. 4892), E298 [7MR]

Gambling: estabish complete ban on Internet gambling, H4998-H5001 [11JY]

Government regulations: provide regulatory relief and improve productivity for insured depository institutions (H.R. 3505), H698, H702-H722 [8MR]

Greenville, AL: anniversary of Camden National Bank, E811 [12MY]

Higher Education Act: improve opportunity for Federal student loan borrowers to consolidate their loans at reasonable interest rates, H1357 [30MR]

IRS: prohibit funding for electronic tax preparation and filing service development, H3931 [14JN], E1216 [20JN]

Kekaha Federal Credit Union: Credit Union National Association, Inc., Dora Maxwell Social Responsibility Award recipient, E235 [28FE]

Marion, TX: anniversary of Marion State Bank, E576 [25AP]

Miller Electric Credit Union: Credit Union National Association, Inc., Desjardins Youth Financial Education Award recipient, E230 [28FE]

Money: reform certain requirements for reporting cash transactions (H.R. 5341), H4576-H4582 [27JN]

———support efforts to track terrorist financing under existing law and express concern over disclosure of classified information on methods by which terrorists are traced, H4877-H4888 [29JN]

———support efforts to track terrorist financing under existing law and express concern over disclosure of classified information on methods by which terrorists are traced (H. Res. 900), E1370 [11JY]

National Security Agency: Presidential authorization of electronic surveillance of certain U.S. citizens without court-approved warrants, H4562 [27JN]

New York (NY) Times: publication of story detailing classified program to track terrorist financing, H4192 [19JN], H4684, H4686, H4687, H4688, H4694, H4786 [28JN], H4798, H4876-H4882, H4884 [29JN]

Privacy: protect and enhance consumer privacy (H.R. 3140), H1185 [28MR]

———protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information and require data breach notification (H.R. 4127), H3502 [8JN]

Public debt: debt held by foreigners, H3774, H3775 [12JN], H4212 [19JN], H4391, H4394 [21JN], H4506 [22JN], H4954 [10JY], H5115, H5116 [12JY]

Pueblo Government Agencies Federal Credit Union: anniversary, E1017 [6JN]

Republican Party: national agenda, H1200 [29MR]

SBA: Microloan Program funding, H4572 [27JN]

———7(a) guaranteed loan program funding, H4645-H4648 [27JN]

Taxation: marketing of high-interest refund anticipation loans to underserved communities, E374 [15MR]

Terrorism: combat financing, H4100 [15JN]

Remarks in Senate

Computers: prevent the use of certain bank instruments, credit cards, and fund transfers for unlawful Internet gambling (H.R. 4411), S7444 [12JY]

Consumers: authorize demonstration project grants to entities to provide low-cost, small loans (S. 1347), S1530 [28FE]

Credit: protect consumers, especially young consumers, from increasing consumer debt and credit card solicitations and establish financial literacy and education program in elementary and secondary schools (S. 2654), S3592 [26AP]

Dept. of Defense: report on feasibility of omitting Social Security numbers from military identification cards to reduce risk of identity theft, S6391 [22JN]

Education: provide student borrowers with basic rights, including the right to timely information about their loans and the right to make fair and reasonable loan payments (S. 3255), S5344 [26MY]

———reduce student loan interest rates, authorize Pell Grant funding, allow loan consolidation, and provide for Federal Direct Loan Program administrative account (S. 2573), S3201-S3203 [6AP], S6552 [27JN]

Financial Literacy Month: designate (S. Res. 410), S2480 [28MR], S2541, S2542 [29MR]

Go Direct Month: designate (S. Res. 363), S459 [1FE]

Government regulations: provide regulatory relief and improve productivity for insured depository institutions (S. 2856), S5272 [25MY]

Hawaii Credit Union League: tribute, S1530 [28FE]

Higher Education Act: provide additional support to students to decrease debt (S. 3593), S6643 [28JN]

Housing: enhance regulation of secondary mortgage market enterprises (S. 190), S5217 [25MY]

———stop mortgage transactions which operate to promote fraud, risk, and underdevelopment (S. 2280), S1177 [14FE]

———reform Federal deposit insurance system and merge bank and savings association deposit insurance funds (S. 1562), S507 [2FE]

Lambright, James H.: nomination to be Eximbank President, S1882 [8MR]

New York (NY) Times: publication of story detailing classified program to track terrorist financing, S6600-S6602 [28JN]

Privacy: prevent and mitigate identity theft, ensure privacy, and enhance penalties, law enforcement, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information (S. 1789), S5217 [25MY], S6542 [27JN]

———protect consumers and businesses from identity theft and require notice of security breaches (S. 3568), S6494 [26JN]

Public debt: debt held by foreigners, S7303 [11JY]

———require a study on debt held by foreigners, S2193 [15MR], S2234 [16MR]

SBA: reauthorize 7(a) loan guaranty program (S. 2594), S3243 [6AP]

Small business: improve loans for members of the National Guard and Reserves (S. 3122), S5242 [25MY], S5331 [26MY]

———modernize the treatment of development companies (S. 2595), S3245 [6AP]

Taxation: establish Catastrophe Savings Accounts (S. 3115), S5332 [26MY]

———provide additional protections for recipients of the earned income tax credit (S. 324), S1530 [28FE]

———provide taxpayer protection and assistance relative to tax preparation (S. 832), S1530 [28FE]

Veterans: qualified mortgage bond program expansion, S1113 [13FE]

Reports

College Cost Crunch—A State-by-State Analysis of Rising Tuition and Student Debt: Committee on Health, Education, Labor, and Pensions (Senate) Minority Members and Senate Democratic Policy Committee, S6648-S6716 [28JN]

Final Results of the 2006 Stock Market Game Capitol Hill Challenge: Securities Industry Association, E670 [1MY]

Reports filed

Consideration of H. Res. 895, Support Efforts To Track Terrorist Financing and Condemn Disclosure and Publication of Classified Information on This Crucial Method: Committee on Rules (House) (H. Res. 896) (H. Rept. 109-539), H4794 [28JN]

Consideration of H.R. 2990, Credit Rating Agency Duopoly Relief Act: Committee on Rules (House) (H. Res. 906) (H. Rept. 109-550), H4957 [10JY]

Consideration of H.R. 4411, Unlawful Internet Gambling Enforcement Act: Committee on Rules (House) (H. Res. 907) (H. Rept. 109-551), H4957 [10JY]

Credit Rating Agency Duopoly Relief Act: Committee on Financial Services (House) (H.R. 2990) (H. Rept. 109-546), H4957 [10JY]

Data Accountability and Trust Act (DATA): Committee on Energy and Commerce (House) (H.R. 4127) (H. Rept. 109-453), H2179 [8MY]

———Committee on Financial Services (House) (H.R. 4127) (H. Rept. 109-453), H3423 [6JN]

———Committee on the Judiciary (House) (H.R. 4127) (H. Rept. 109-453), H3423 [6JN]

Financial Data Protection Act: Committee on Energy and Commerce (House) (H.R. 3997) (H. Rept. 109-454), H3423 [6JN]

———Committee on Financial Services (House) (H.R. 3997) (H. Rept. 109-454), H2180 [8MY]

Financial Services Regulatory Relief Act: Committee on Banking, Housing, and Urban Affairs (Senate) (S. 2856) (S. Rept. 109-256), S4795 [18MY]

———Committee on the Judiciary (House) (H.R. 3505) (H. Rept. 109-356), H387 [16FE]

Prosecutors and Defenders Incentive Act: Committee on the Judiciary (Senate) (S. 2039), S5226 [25MY]

Seasoned Customer CTR Exemption Act: Committee on Financial Services (House) (H.R. 5341) (H. Rept. 109-506), H4219 [19JN]

Unlawful Internet Gambling Enforcement Act: Committee on Financial Services (House) (H.R. 4411) (H. Rept. 109-412), H1676 [6AP]

———Committee on the Judiciary (House) (H.R. 4411) (H. Rept. 109-412), H3423 [6JN]

Statements

Credit Rating Agency Duopoly Relief Act: Executive Office of the President, H5086 [12JY]

Support Financial Literacy Month Goals and Ideals: Southeast Regional Financial Education Center, E659 [27AP]

Taxpayers' Friend Retires: Rudy Boschwitz, S1460 [17FE]

Testimonies

Seasoned Customer CTR Exemption Act: Bradley E. Rock, American Bankers Association, H4579-H4581 [27JN]

———William J. Fox, Financial Crimes Enforcement Network, H4581 [27JN]

Texts of

H. Res. 737, support goals and ideas of Financial Literacy Month, H1486 [5AP]

H. Res. 895, support efforts to track terrorist financing and condemn disclosure and publication of classified information on this crucial method by which terrorists are traced, H4875 [29JN]

H. Res. 896, consideration of H. Res. 895, support efforts to track terrorist financing and condemn disclosure and publication of classified information on this crucial method by which terrorists are traced, H4817 [29JN]

H. Res. 900, support efforts to track terrorist financing under existing law and express concern over disclosure of classified information on methods by which terrorists are traced, H4882 [29JN]

H. Res. 906, consideration of H.R. 2990, Credit Rating Agency Duopoly Relief Act, H5056 [12JY]

H. Res. 907, consideration of H.R. 4411, Unlawful Internet Gambling Enforcement Act, H4969 [11JY]

H.R. 2990, Credit Rating Agency Duopoly Relief Act, H5087-H5089 [12JY]

H.R. 3505, Financial Services Regulatory Relief Act, H702-H719 [8MR]

H.R. 4411, Unlawful Internet Gambling Enforcement Act, H4978, H4980-H4983 [11JY]

H.R. 5341, Seasoned Customer CTR Exemption Act, H4576 [27JN]

S. 2573, Reverse the Raid on Student Aid Act, S3234 [6AP]

S. 2856, Financial Services Regulatory Relief Act, S5272-S5283 [25MY]

S. 3115, Catastrophe Savings Accounts Act, S5235 [25MY]

S. 3117, Homeowners Protection Act, S5237-S5242 [25MY]

S. 3593, Student Debt Relief Act, S6644-S6647 [28JN]

S. Res. 363, Go Direct Month, S453, S459 [1FE]

S. Res. 410, Financial Literacy Month, S2474, S2481 [28MR], S2541 [29MR]

S. Res. 524, condemn disclosure and publication of classified information about Terrorist Finance Tracking Program, National Security Agency's Terrorist Surveillance Program, and other counter-terrorism programs, S6810 [29JN]