FINANCIAL INSTITUTIONS

Addresses

Communtiy Reinvestment Act's Role in Financial Crisis: John C. Dugan, Comptroller of the Currency, E2326 [20NO]

Amendments

Commodity Exchange Act: prevent excessive price speculation with respect to energy commodities (S. 3268), S7129, S7130, S7180, S7181, S7182, S7183, S7188, S7190, S7191, S7193, S7194, S7195 [23JY], S7304, S7312, S7314, S7315, S7317, S7319, S7320, S7321, S7325, S7328, S7330, S7331, S7332, S7335, S7345, S7346, S7347, S7348, S7352, S7353, S7354, S7355, S7356, S7357, S7373, S7374, S7375, S7383, S7384, S7385, S7386, S7387, S7393, S7394, S7395, S7396, S7397, S7399, S7401, S7402, S7403, S7407, S7408, S7409, S7410, S7411, S7412, S7413, S7414, S7415, S7416, S7417, S7418, S7419, S7420, S7421 [24JY], S7483, S7484 [25JY], S7577 [28JY], S7702, S7703 [29JY], S7978 [31JY], S9428 [24SE]

Credit: provide for enhanced disclosure under an open end credit plan (H.R. 5244), consideration (H. Res. 1476), H8596 [23SE]

Dept. of Veterans Affairs: enhance life insurance benefits for disabled veterans (S. 1315), S3263, S3264, S3265, S3266 [22AP], S3288, S3297, S3309, S3310, S3322 [23AP], S3353, S3410 [24AP]

Developing countries: provide for greater responsibility in lending and expanded cancellation of debts owed to the U.S. and international financial institutions by low-income countries (H.R. 2634), H2385, H2387, H2388, H2389, H2393 [16AP]

———provide for greater responsibility in lending and expanded cancellation of debts owed to the U.S. and international financial institutions by low-income countries (H.R. 2634), consideration (H. Res. 1103), H2372 [16AP]

Taxation: conform return preparer penalty standards, delay implementation of withholding taxes on government contractors, enhance taxpayer protections, and assist low-income taxpayers (H.R. 5719), consideration (H. Res. 1102), H2304, H2305 [15AP]

Analyses

Credit Union Regulatory Improvements Act (S. 2957), S3709 [1MY]

Appointments

Congressional Oversight Panel, S10602 [17NO], H10848 [20NO], H10860 [9DE], H10957 [10DE]

Articles and editorials

Bad News for the Bailout, S10408 [2OC]

Bailout Fever—Rush to Judgement, H10385 [29SE]

Bailout Hide and Seek, H8132 [16SE]

Bair—How To Get More Bang for Bailout Buck, H10761 [3OC]

Banks Owe Billions to Executives, S10903 [11DE]

Better Bailout, H10797 [3OC]

Better Way To Aid Banks, S10412 [2OC], H10633 [29SE]

Biggest Donors on Wall Street Crunched by Credit Crisis Financial Firms Still Find Cash for Campaign Donations, H8708 [23SE]

Blame Fannie Mae and Congress for the Credit Mess, E2142 [28SE]

Citigroup May Cut Thousands of Jobs, H262 [16JA]

Credit Crunch—Emergency Scheme To Help Cash-Strapped Homeowners, H6555 [15JY]

Debt Cancellation a Victory for the World, E896 [13MY]

Don't Like Bailouts? Consider the Alternatives, E1772 [11SE]

Fannie, Freddie and You, S6620 [14JY]

Fannie Mae Eases Credit To Aid Mortgage Lending, S9580 [26SE], E2116 [28SE]

Foreclosure Victim, 90, Apparently Shoots Self, H10766 [3OC]

German President Lashes Out at ``Monster'' Market and Its Bankers, E960 [19MY]

Goodbye Capitalism, H6556 [15JY]

Government Is Too Big Not To Fail, E2215 [3OC]

Groups Team Up To Promote Homeownership in Underserved Brooklyn Communities, E463 [1AP]

How To Save the Financial System, H10632 [29SE]

Isaac—Banking Crisis? What Banking Crisis?, H10385 [29SE]

Let's Shoot the Speculators!, S6916 [17JY]

Lobbyists Smoothed the Way for a Spate of Foreign Deals, H542-H544 [29JA]

National Upheaval, Local Shudders—Credit Woes Convulse Plans of Cities, Towns, H10762 [3OC]

Overseers Plan for Unprecedented Task, E2215 [3OC]

Oversight Provisions, E2215 [3OC]

Predatory Lenders' Partner in Crime, E239 [26FE]

Recapitalise the Banking System, H10796 [3OC]

Regulating Wall Street, H10631 [29SE]

Rescue Plan—Direct Capital Investments Would Be Better for Both Markets and Taxpayers, H10797 [3OC]

Right Financial Fix, H8709 [23SE]

Seven Deadly Sins of Deregulation—and Three Necessary Reforms, H8547-H8549 [22SE]

Slow Rise for a New Era, S10411 [2OC]

Sue Them, Jail Them, Make Them Pay for Meltdown, H8549 [22SE]

They Just Don't Get It, S10124 [30SE]

Traders Manipulated Oil Prices—U.S., S7240 [24JY]

Treasury Gets New CFIUS Authority, H542 [29JA]

Trickle-Up Bailout, S10410 [2OC]

Wall Street Is Top Source of Campaign Cash, H8708 [23SE]

Wallets Open Up on Wall Street, H6560 [15JY]

What Wall Street Should Be Required To Do, To Get a Blank Check From Taxpayers, H8549 [22SE]

Where Was Senator Dodd?, H9950 [25SE]

Bills and resolutions

African Development Bank Group: authorize U.S. participation in, and appropriations for contribution to, replenishment of resources of the African Development Fund (see S. 3169), S5832 [19JN] (see H.R. 6306), H5728 [19JN]

America Saves Week: support (see H. Res. 957), H621 [6FE] (see H. Res. 993), H1002 [19FE] (see H. Res. 996), H1031 [25FE]

Antitrust policy: amend laws to ensure competitive market-based rates and terms for merchants' access to electronic payment systems (see S. 3086), S5204 [5JN] (see H.R. 5546), H1416 [6MR]

Armed Forces: enhance protections for servicemembers relative to mortgages and mortgage foreclosures (see S. 2764), S2132 [13MR]

———extend period after release from active duty during which a member is protected from mortgage foreclosure (see S. 2658), S1121 [25FE]

———increase loan repayment limits for health professionals serving in the Armed Forces (see H.R. 6018), H3403 [8MY]

Bankruptcy: amend laws relative to modification of certain mortgages on principal residences (see H.R. 7328), H10975 [10DE]

Business and industry: prohibit recipients of emergency Federal assistance from using such funds for lobbying or political contributions, and improve transparency, accountability, and corporate governance (see S. 3698), S10659 [19NO]

CFTC: authorize greater resources and authority to provide additional oversight and transparency to the commodity futures markets (see H.R. 6921), H8396 [17SE]

———curb role of excessive speculation in contract markets involving energy futures or swaps and eliminate excessive speculation or other activity causing major energy market disturbances (see S. 3205), S6285 [26JN] (see H.R. 6377), H6173 [26JN]

Children and youth: award grants to State educational agencies to support the provision of financial education to high school students (see H.R. 7135), H10130 [26SE]

———encourage savings, promote financial literacy, and expand opportunities for young adults by establishing KIDS Accounts (see S. 3557), S9415 [24SE]

Committee on Financial Bailouts (House, Select): establish (see H. Res. 1452), H8396 [17SE]

Committee on Homeland Security and Governmental Affairs (Senate): authorize release of Permanent Subcommittee on Investigations records from investigation of tax haven financial institutions (see S. Res. 642), S7905 [31JY]

———release of Permanent Subcommittee on Investigations records on financial institution transactions to enable foreign taxpayers to avoid dividend taxes (see S. Res. 680), S9415 [24SE]

Commodity Exchange Act: prevent excessive price speculation with respect to energy and agricultural commodities (see S. 3577), S9492 [25SE]

———prevent excessive price speculation with respect to energy commodities (see S. 3268), S6722 [15JY]

Consumer Credit Safety Commission: create to provide individual consumers of credit with better information and stronger protections and to provide sellers of consumer credit with more regulatory certainty (see H.R. 7258), H10827 [3OC]

———establish (see S. 3629), S9657 [26SE]

Corporations: reduce internal auditing reporting and certification burdens for certain financial institutions (see S. 2703), S1596 [5MR]

———require disclosure of beneficial owners of newly incorporated entities to prevent exploitation for criminal gain and assist law enforcement with terrorism and money laundering prevention (see S. 2956), S3698 [1MY]

———require officers to repay bonus amounts received during a year in which their company is subject to a taxpayer bailout, as well as the two previous years (see H.R. 6987), H8577 [22SE]

Credit: ban abusive credit practices, enhance consumer disclosures and protect underage consumers (see S. 3252), S6560 [10JY]

———combat predatory lending practices and provide access to capital to those living in low-income and traditionally underserved communities (see S. 3632), S9657 [26SE]

———create a national licensing system for residential mortgage loan originators and develop minimum standards of conduct to be enforced by State regulators (see S. 2595), S733 [6FE]

———establish a credit card safety star rating system for the benefit of consumers (see H.R. 6978), H8477 [18SE]

———establish a national consumer credit usury rate (see S. 3287), S6937 [17JY]

———establish requirements for private lenders to protect student borrowers receiving private educational loans (see S. 2894), S3206 [21AP]

———maintain eligibility for Federal Parent Loan for Undergraduate Student (PLUS) loans of borrowers who are delinquent on mortgage loan payments or involved in foreclosure proceedings (see S. 2895), S3206 [21AP]

———permit deferrals on certain home mortgage foreclosures to take remedial action and require home mortgage servicers to provide notice of any upcoming reset of interest rates (see S. 3738), S10946 [11DE] (see H.R. 6076), H4060 [15MY]

———protect consumers from usury and unreasonable fees (see H.R. 6977), H8476 [18SE]

———provide for enhanced disclosure under an open end credit plan (see S. 2542), S94 [22JA] (see H.R. 5244), H811 [7FE]

———provide for enhanced disclosure under an open end credit plan (H.R. 5244), consideration (see H. Res. 1476), H8577 [22SE]

———provide forbearance from foreclosures of subprime mortgages in the determination of a consumer credit score (see H.R. 5500), H1074 [26FE]

———recognize disparities associated with predatory lending abuses in minority communities and ensure nondiscriminatory mortgage practices (see H. Con. Res. 391), H6727 [17JY]

———remove an impediment to troubled debt restructuring on the part of holders of residential mortgage loans (see H.R. 5579), H1538 [11MR]

Credit cards: impose a cap on interest rates charged on consumer accounts (see H.R. 5988), H3186 [7MY]

———prevent unfair practices in accounts (see H.R. 5280), H812 [7FE]

———protect consumers, and especially young consumers, from skyrocketing debt, unfair practices, and deceptive offers (see S. 2753), S1999 [12MR]

Crime: enable increased Federal prosecution of identity theft crimes and allow restitution to victims of identity theft (see H.R. 6060), H3885 [14MY]

Dept. of Education: authorize a loan forgiveness program for students of institutions of higher education who volunteer to serve as mentors (see H.R. 7137), H10130 [26SE]

———extend loan forgiveness programs to students who volunteer to mentor at-risk children (see S. 3635), S9657 [26SE]

———provide for nondiscrimination by eligible lenders in the Federal Family Education Loan Program (see S. 3141), S5697 [17JN]

———provide for nondiscrimination by eligible lenders in the Federal Student Loan Program (see H.R. 6698), H7784 [31JY]

Dept. of HHS: require removal of Social Security account numbers from Medicare identification cards and communications provided to beneficiaries (see S. 3512), S8948 [17SE]

Dept. of Justice: establish a Special Joint Task Force on Financial Crimes (see S. 3677), S10324 [1OC]

Dept. of the Treasury: authorize an emergency guarantee of loans made by depository institutions to eligible consumers, under certain conditions, for home heating purchases and repairs (see H.R. 6920), H8396 [17SE]

———disapprove expenditures exceeding certain amounts for the Troubled Asset Relief Program intended to bailout financial institutions (see H.J. Res. 101), H10844 [19NO]

———establish an Office of Foreclosure Evaluation (see S. 3686), S10578 [17NO]

———improve authority of Special Inspector General for the Troubled Asset Relief Program (see S. 18), S10742 (see S. 3716), S10743 [20NO] (see S. 3731), S10881 [10DE] (see H.R. 7333), H10975 [10DE]

———provide an unlimited amount of insurance on insured accounts and unlimited protection to money market funds through the exchange stabilization fund (see H.R. 7228), H10641 [29SE]

———provide for Troubled Asset Relief Program purchase of vacant properties by regional public-private partnerships to retain value, stabilize communities, and minimize impact on taxpayers (H.R. 7189) (see H.R. 7189), H10299 [27SE]

———require congressional approval for certain expenditures for the Troubled Asset Relief Program intended to bailout financial institutions (see S. 3683), S10578 [17NO] (see S. 3694, 3697), S10659 [19NO] (see H.R. 7276), H10844 [19NO]

———require financial institutions receiving assistance under the Troubled Asset Relief Program to report increases in new lending that are attributable to such assistance (see H.R. 7334), H10975 [10DE]

———terminate authority to purchase troubled assets, make insurance of troubled mortgage-backed securities available for purchase, and provide incentives to reinvest foreign earnings in the U.S. (see H.R. 7305), H10856 [20NO]

———terminate authority to purchase troubled assets and make a portion of unused funding for such program available to meet critical U.S. infrastructure needs (see H.R. 7306), H10856 [20NO]

Dept. of Veterans Affairs: allow veterans to elect to use certain financial educational assistance to establish and operate certain businesses (see H.R. 6850), H7955 [9SE]

———extend demonstration projects on adjustable rate mortgages and hybrid adjustable rate mortgages (see S. 3299), S7030 [22JY] (see H.R. 6465), H6406 [10JY] (see H.R. 6543), H6726 [17JY]

———improve home loan guaranty programs (see S. 3087), S5204 [5JN]

Developing countries: prevent speculation and profiteering in the defaulted debt of certain poor countries (see H.R. 6796, 6796), H7807 [1AU]

———provide for greater responsibility in lending and expanded cancellation of debts owed to the U.S. and international financial institutions by low-income countries (H.R. 2634), consideration (see H. Res. 1103), H2265 [14AP]

Economy: enhance economic growth and promote stability of the financial system (see H.R. 7253), H10827 [3OC]

———establish a Federal Board of Certification to enhance the transparency, credibility, and stability of financial markets (see S. 3522), S9025 [18SE]

———help families keep their homes by restructuring loans and modifying mortgages, and protect taxpayers by regulating dividend payments by certain financial institutions (see S. 3690), S10578 [17NO] (see H.R. 7307), H10856 [20NO]

———limit compensation for executives at companies that receive Federal bailout funds (see S. 3693), S10659 [19NO]

———provide for financial market investigation, oversight, and reform (see S. 3652), S10069 [29SE]

———require the SEC to issue rules on short selling of securities, establish FDIC net worth certificate program, and increase maximum amount of depository insurance (see H.R. 7240), H10699 [2OC]

———suspend capital gains tax, schedule government-sponsored enterprises for privatization, repeal Humphrey-Hawkins Full Employment Act, and suspend mark-to-market accounting requirements (see H.R. 7223), H10641 [29SE]

Education: increase grant aid for neediest students, expand options for Federal student loans, and improve reliability of current Federal loan programs (see S. 2815), S2435 [3AP]

Expedited Funds Availability Act: provide a 1-time adjustment in certain dollar amounts to account for inflation and provide for future adjustments of such amounts on a regular basis (see H.R. 6871), H8048 [11SE]

Fair Credit Reporting Act: amend requirements on information contained in consumer reports (see H.R. 7267), H10828 [3OC]

———prohibit certain discriminatory uses of consumer reports and consumer information in connection with certain personal lines of insurance (see H.R. 5633), H1701 [13MR]

Fannie Mae and Freddie Mac Investigative Commission: establish (see H.R. 6990), H8577 [22SE]

FBI: authorize additional field agents to investigate financial crimes (see S. 3704), S10659 [19NO]

———establish a Nationwide Mortgage Fraud Coordinator (see S. 3547), S9280 [23SE]

———establish the Nationwide Mortgage Fraud Task Force (see H.R. 6853), H7955 [9SE]

FDIC: create a net worth certificate program (see H.R. 7226), H10641 [29SE]

———establish a systematic mortgage modification program (see H.R. 7326), H10975 [10DE]

———provide additional authority in resolving problem financial institutions (see H.R. 6565), H6824 [22JY]

———raise the maximum Federal deposit insurance coverage (see H.R. 6986), H8577 [22SE]

Federal aid programs: allow Federal home loan banks to invest surplus funds in student loan securities and make advances for student loan financing (see S. 2847), S2945 [10AP] (see H.R. 5723), H2069 [8AP]

———authorize a grant program to provide for expanded access to mainstream financial institutions (see S. 3410), S7905 [31JY]

Federal deposit insurance system: increase amount of deposits insured (see H.R. 7235), H10642 [29SE] (see H.R. 7270), H10828 [3OC]

———reform (see H.R. 7232), H10642 [29SE] (see H.R. 7262), H10827 [3OC]

Federal employees: provide that employees receiving their pay by electronic funds transfer are given the option of receiving their pay stubs electronically (see H.R. 6073), H4060 [15MY]

Federal Financial Institutions Examination Council: establish a telephone number that consumers with complaints or inquiries could call and be routed to the appropriate Federal or State banking agency (see S. 3153), S5753 [18JN]

Federal Financing Bank: clarify authority to purchase certain loans guaranteed under the Higher Education Act (see H.R. 5914), H2852 [29AP]

Federal Mortgage Origination Commission: establish (see S. 3581), S9492 [25SE]

Financial literacy: promote (see S. 2671), S1271 [27FE] (see H.R. 7289), H10844 [19NO]

Financial Literacy Month: designate (see S. Res. 495), S2295 [1AP]

———support goals and ideals (see H. Res. 1079), H2011 [3AP]

Financial Oversight Commission: establish (see H.R. 7275), H10844 [19NO]

FRS: increase quality and public accessibility of research on effects of monetary policy on distribution of wealth and the proportion of newly created monetary resources directed into various sectors of the economy (see H.R. 7260), H10827 [3OC]

Go Direct Month: designate (see S. Res. 443), S658 [5FE]

Government regulations: advance credit union efforts to promote economic growth, modify credit union regulatory standards and burdens, and improve productivity for insured depository institutions (see H.R. 6312), H5728 [19JN]

———advance credit union efforts to promote economic growth and modify credit union regulatory standards and burdens (see H.R. 5519), H1188 [3MR]

———apply safety and soundness regulation to investment bank holding companies and implement reporting requirements for the purchase or sale of credit default swap contracts (see S. 3691), S10659 [19NO]

———ease credit union regulatory burdens, advance credit union efforts to promote economic growth, and modernize credit union net worth standards (see S. 2957), S3698 [1MY]

———provide regulatory relief and improve productivity for insured depository institutions (see H.R. 5841), H2486 [17AP]

Government-sponsored enterprises: establish a term certain for conservatorships and provide conditions for continued operation and eventual dissolution of certain enterprises (see H.R. 7094), H9973 [25SE]

———prohibit golden parachute payments for former executives and directors of Fannie Mae and Freddie Mac (see S. 3458), S8179 [9SE] (see S. Res. 658), S8479 [12SE] (see H.R. 6864), H8018 [10SE]

———prohibit golden parachute payments for former executives and directors of Fannie Mae and Freddie Mac unless specifically authorized by law (see H.R. 6907), H8127 [15SE]

———suspend contributions to Housing Trust Fund during conservatorship of such enterprises and repay costs of such conservatorship and HOPE for Homeowners loan program (see H.R. 6955), H8476 [18SE]

Home Owners' Loan Corp.: establish (see H.R. 5649), H1771 [14MR]

House of Representatives: provide that employees receiving their pay by electronic funds transfer are given the option of receiving their pay stubs electronically (see H. Res. 1207), H4064 [16MY]

Housing: aid families and neighborhoods facing home foreclosure and address the subprime mortgage crisis (see S. 2734), S1741 [7MR]

———encourage reasonable and responsible modifications for unworkable and impractical mortgage loans and reaffirm basic obligations of investment agents to achieve most beneficial outcomes for clients (see S. 2801), S2346 [2AP]

———encourage residential mortgage loan modifications and workout plans (see S. 2901), S3304 [23AP]

———establish a risk-reduction and accountability pilot program for the housing-related Government-sponsored enterprises (see H.R. 6164), H4831 [22MY]

———protect the interests of bona fide tenants in the case of any foreclosure on any dwelling or residential real property (see S. 3034), S4375 [19MY] (see H.R. 5963), H3050 [5MY]

———provide assistance to States for foreclosure mitigation counseling activities and increased Community Development Block Grant Program assistance (see H.R. 5572), H1445 [10MR]

———provide needed housing reform (see H.R. 5857), H2551 [22AP]

———provide notice and options to homeowners facing foreclosure, provide alternatives to assist in retention of homes while meeting financial obligations, and provide protections to renters (see H.R. 7126), H10130 [26SE]

———reform the regulation of the housing-related Government-sponsored enterprises (see H.R. 6521), H6673 [16JY]

———support goal of increased and sustainable homeownership and recognize importance of homeownership programs, fair lending laws, and fair housing laws in achieving that goal (see H. Con. Res. 392), H6727 [17JY]

Immigration: close loophole that allowed 9/11 hijackers to obtain credit cards from U.S. banks and ensure illegal immigrants cannot obtain credit cards to evade U.S. immigration laws (see S. 2714), S1597 [5MR]

Investments: ensure uniform and accurate credit rating of municipal bonds and review the municipal bond insurance industry (see H.R. 6308), H5728 [19JN]

———promote savings by low-income taxpayers by providing a match to those who contribute to savings products and facilitate the opening of bank accounts directly on tax returns (see S. 3372), S7904 [31JY]

IRS: repeal Treasury Notice relative to treatment of losses and deductions attributable to loans or bad debts of banks after ownership changes of such banks (see S. 3692), S10659 [19NO]

Local government: permit purchase from the Dept. of the Treasury of certain mortgages held by persons who are not less than 120 days in default in repaying the mortgage debts (see H.R. 7113), H10129 [26SE]

Medicaid: require asset verification through access to information held by financial institutions to reduce fraud and abuse (see S. 2845), S2945 [10AP] (see H.R. 5757), H2223 [10AP]

Money: reform certain requirements for reporting cash transactions (see H.R. 6688), H7784 [31JY]

National Commission on the Financial Collapse and Recovery: establish (see H.R. 7104), H9973 [25SE]

National Consumer Cooperative Bank: treat the nonprofit corporation affiliate as a community development financial institution (see H.R. 6642), H7307 [29JY]

Real estate: diminish predatory lending by enhancing appraisal quality and standards, improve appraisal oversight, ensure mortgage appraiser independence, and provide for enhanced remedies and enforcement (see S. 2860), S3026 [15AP]

———increase temporarily the conforming loan limits of Fannie Mae and Freddie Mac in certain areas and enhance mortgage market liquidity (see H.R. 5153), H555 [29JA]

———make permanent the increases in loan limits for Fannie Mae, Freddie Mac, and FHA (see H.R. 5958), H3049 [5MY]

———prohibit home equity conversion mortgage lenders from requiring seniors to purchase annuities with reverse mortgages proceeds and provide other consumer protections to reverse mortgage borrowers (see H.R. 5758), H2223 [10AP]

———temporarily extend increases in certain home loan limits (see S. 13), S10742 [20NO]

Real Estate Settlement Procedures Act: require mortgagees for mortgages in default to engage in reasonable loss mitigation activities (see H.R. 5679), H1972 [2AP]

SBA: improve certain loan programs (see H.R. 7175), H10299 [27SE]

———stabilize the small business lending market (see S. 3596), S9493 [25SE]

SEC: provide additional emergency and enhanced enforcement authority (see H.R. 6069), H4060 [15MY]

Securities: address regulation of derivatives and unregistered hedge funds (see S. 3739), S10946 [11DE]

———enhance oversight of derivatives dealers and hedge funds, reduce potential for systematic risk to financial system, and protect investors (see H.R. 7266), H10828 [3OC]

———provide for reform of fair value accounting standards (see H.R. 7190), H10300 [27SE]

———treat covered bonds the same as other qualified financial contracts to which a depository institution is a party when such institution is in receivership or conservatorship (see H.R. 6659), H7627 [30JY]

Senior citizens: protect from misleading and fraudulent marketing practices by senior financial advisors who have misleading designations (see S. 2794), S2295 [1AP]

Small business: encourage provision of financial education to employees and give such businesses preferential status when applying for Federal contracts, loans, and other assistance (see H.R. 5965), H3050 [5MY]

———take steps to stop the small business credit crunch (see S. 3705), S10659 [19NO]

Social Security: issue uniform standards for the truncation of account numbers to protect from fraud or identity theft and prohibit display on the Internet of such account numbers (see S. 2915), S3401 [24AP]

———limit the misuse of Social Security numbers and establish criminal penalties for such misuse (see H.R. 5234), H621 [6FE]

———prohibit use of funds to promote direct deposit of benefits until adequate safeguards are established to prevent the attachment and garnishment of such benefits (see S. 2850), S2977 [14AP]

———provide grants to eligible entities to provide services to improve financial literacy among older individuals (see S. 3053), S4792 [22MY]

St. Mary's Cooperative Credit Association: anniversary of first established credit union (see H. Res. 1145), H2658 [23AP]

Taxation: allow banks to be taxed as limited liability companies (see S. 3254), S6604 [11JY]

———conform return preparer penalty standards, delay implementation of withholding taxes on government contractors, enhance taxpayer protections, and assist low-income taxpayers (see H.R. 5719), H2069 [8AP]

———conform return preparer penalty standards, delay implementation of withholding taxes on government contractors, enhance taxpayer protections, and assist low-income taxpayers (H.R. 5719), consideration (see H. Res. 1102), H2265 [14AP]

———establish certain advertising and disclosure requirements relative to tax refund anticipation loans (see H.R. 7188), H10299 [27SE]

———establish disability savings accounts (see S. 2741), S1876 [11MR]

———exclude from gross income discharges of student loans the repayment of which is income contingent or income based (see H.R. 7098), H9973 [25SE]

———modify limitations on deduction of interest by financial institutions which hold tax-exempt bonds (see S. 3518), S9025 [18SE] (see H.R. 6333), H5796 [20JN]

———provide for economic stabilization, capital utilization, and enterprise reform (see H.R. 7264), H10827 [3OC]

———provide for proper application of the limitations on built-in losses following an ownership change of a bank (see H.R. 7300), H10856 [20NO]

———provide taxpayer protection and assistance relative to tax preparation (see H.R. 5716), H2069 [8AP]

———provide temporary housing related tax relief for individuals (see H.R. 5962), H3050 [5MY]

———reform treatment of certain excessive employee remuneration (see S. 3675), S10324 [1OC]

Truth in Lending Act: prohibit unfair practices in electronic payment system networks (see H.R. 6248), H5328 [11JN]

Unlawful Internet Gambling Enforcement Act: provide additional clarification relative to implementation (see H.R. 6663), H7628 [30JY]

Veterans: enhance housing loan authorities for veterans and otherwise assist veterans and members of the Armed Forces in avoiding the foreclosure of their homes (see S. 2992), S3891 [7MY]

———enhance refinancing of home loans (see S. 2961), S3698 [1MY]

Workforce Investment Act: establish financial literacy education programs for newly naturalized U.S. citizens (see H.R. 6403), H6175 [26JN]

World Bank: authorize U.S. participation in, and appropriations for contribution to, replenishment of resources of the International Development Association (see S. 3168), S5832 [19JN] (see H.R. 6306), H5728 [19JN]

Cloture motions

Commodity Exchange Act: prevent excessive price speculation with respect to energy commodities (S. 3268), S7130 [23JY], S7435 [25JY]

———prevent excessive price speculation with respect to energy commodities (S. 3268), motion to proceed, S6918 [17JY], S6993 [22JY]

Dept. of Veterans Affairs: enhance life insurance benefits for disabled veterans (S. 1315), motion to proceed, S3169 [17AP], S3225 [22AP]

E-mails

Proposed Government bailout of financial institutions: several Vermont citizens, S9612 [26SE]

Explanations

Emergency Economic Stabilization Act (H.R. 1424): Tax Provisions, S10252-S10256 [1OC]

Letters

Call for investigation of housing-related Government-sponsored enterprises: Senator Cornyn, S8228 [10SE]

Committee on Financial Services (House) hearing on the merger of Bear Stearns Cos., Inc., and JPMorgan Chase & Co.: Representative Frank, Committee on Financial Services (House), H3127, H3162, H3171 [7MY]

———several Representatives, Committee on Financial Services (House), H3127, H3161, H3171 [7MY]

Create a national licensing system for residential mortgage loan originators and develop minimum standards of conduct to be enforced by State regulators: Neil Milner, Conference of State Bank Supervisors, S2411 [3AP]

———Richard F. Gaylord, National Association of Realtors, S2411 [3AP]

Dept. of Education loan forgiveness programs to principals and school administrators who work in low-income school districts: Gerald N. Tirozzi, National Association of Secondary School Principals, H767 [7FE]

Disability Savings Act: Katherine Beh Neas, Easter Seals, Inc., S1882 [11MR]

Emergency Economic Stabilization Act: Arnold Schwarzenegger, Governor of California, S10245 [1OC], H10764 [3OC]

———Bill Himpler, American Financial Services Association, H10394 [29SE]

———Business Roundtable (organization), H10795 [3OC]

———Frank S. Alexander, Emory School of Law, H10389 [29SE]

———Henry M. Paulson, Jr., Sec. of the Treasury, H10757 [3OC]

———Joseph M. Stanton, National Association of Home Builders, H10394 [29SE]

———Kevin I. Fromer, Dept. of the Treasury, S10283 [1OC]

———several business organizations, H10762 [3OC]

———several organizations, H10394 [29SE]

Federal Family Education Loan Program: Senator Kennedy, Committee on Health, Education, Labor, and Pensions (Senate) and Representative George Miller, Committee on Education and Labor (House), S1723 [7MR]

Improving Access to Mainstream Financial Institutions Act: Dan Mica, Credit Union National Association, Inc., S9638 [26SE]

———Dennis K. Tanimoto, Hawaii Credit Union League, S7970 [31JY]

———Fred R. Becker, Jr., National Association of Federal Credit Unions, S7970 [31JY]

———Larissa Meinecke, Hawai'i Alliance for Community-Based Economic Development, S7971 [31JY]

———Robin Puanani Danner, Council for Native Hawaiian Advancement, S7970 [31JY]

Jubilee Act for Responsible Lending and Expanded Debt Cancellation: Hilary O. Shelton, NAACP, H2370 [16AP]

———several organizations, H2369 [16AP]

———Thomas G. Wenski, U.S. Conference of Catholic Bishops, H2369 [16AP]

Merger of Bear Stearns Cos., Inc., and JPMorgan Chase & Co.: several Representatives, Committee on Financial Services (House), H3161 [7MY]

Mortgage foreclosure prevention counseling resources funding: Peg Malloy and David C. Brown, National NeighborhoodWatch Association, S2409 [3AP]

Proposed changes to the Federal Reserves Unfair or Deceptive Acts or Practices rules for financial institutions that issue credit cards: several Representatives, H8592 [23SE]

Proposed Government bailout of financial institutions: John Allison, Branch Banking and Trust Co. (BB&T), H10386 [29SE], E2092 [27SE]

———Senator E. Benjamin Nelson, S10276 [1OC]

———Senator Specter, S9892, S9893 [27SE], S10539, S10540, S10541 [17NO]

———several economists, S9579, S9580 [26SE], S10411 [2OC]

Regulation of U.S. financial markets: Senator Bond, S8970 [18SE]

Stop Excessive Energy Speculation Act: James A. Klein, American Benefits Council, S7229 [24JY]

———President's Working Group on Financial Markets, S7012 [22JY]

———several financial organizations, S7726 [30JY]

———William F. Quinn, Committee on Investment of Employee Benefit Assets (organization), S7726 [30JY]

Support goals and ideals of Financial Literacy Month: Dan Mica, Credit Union National Association, Inc., H2817 [29AP]

Lists

Freddie Mac Board of Directors from 1997-2008, H6453-H6455 [14JY]

Groups supporting H.R. 1424, Emergency Economic Stabilization Act, S10229 [1OC]

Organizations supporting H.R. 5244, Credit Cardholders' Bill of Rights Act, H8592 [23SE]

Memorandums

Emergency Economic Stabilization Act: Edward L. Yingling and Floyd E. Stoner, American Bankers Association, H10394 [29SE]

Messages

Certification Pursuant to Emergency Economic Stabilization Act: President Bush, H10829 [19NO]

Motions

Commodity Exchange Act: prevent excessive price speculation with respect to energy commodities (S. 3268), S6880 [17JY], S7130 [23JY], S7436 [25JY]

Credit: provide for enhanced disclosure under an open end credit plan (H.R. 5244), H8611 [23SE]

Developing countries: provide for greater responsibility in lending and expanded cancellation of debts owed to the U.S. and international financial institutions by low-income countries (H.R. 2634), H2391 [16AP]

Taxation: conform return preparer penalty standards, delay implementation of withholding taxes on government contractors, enhance taxpayer protections, and assist low-income taxpayers (H.R. 5719), H2319 [15AP]

Press releases

Emergency Economic Stabilization Act: FRS Board of Governors, H10394 [29SE]

ICBA Applauds Reps. Hinojosa and Biggert for Resolution on Financial Literacy Month: Independent Community Bankers of America, H2817 [29AP]

NFCC and MSN Money Release Consumer Survey Results on Capitol Hill—2008 Survey Reveals Serious Gaps in Financial Literacy: National Foundation for Credit Counseling and MSNMoney.com (Internet site), H2816 [29AP]

Treasurer Lockyer Urges Congress To Adopt Economic Recovery Plan To Thaw Market for Infrastructure Bonds, Cash-Flow Borrowing: California State Treasury Office, H10765 [3OC]

Quotations

Academics and economists on role of price speculation of energy commodities on oil prices, S7235 [24JY]

Remarks in House

Antitrust policy: amend laws to ensure competitive market-based rates and terms for merchants' access to electronic payment systems (H.R. 5546), E318 [6MR]

Armed Forces: enhance protections for servicemembers relative to mortgages and mortgage foreclosures, H5325 [11JN]

———reimburse tuition for programs of education interrupted by military service, defer student loans, and reduce interest rates during periods of military service, H7250, H7252 [29JY]

Au-Yeung, Benson: SBA Guam Minority Small Business Champion of the Year award recipient, E424 [14MR]

Bankruptcy: amend laws relative to modification of certain mortgages on principal residences (H.R. 3609), H1807 [31MR]

———make certain privately issued student loans dischargeable, H758-H760 [7FE]

Bush, President: evaluation of economic policies, H1894 [2AP], H9873, H9874 [25SE]

Caribbean Development Bank: tribute, E1365 [26JN]

Caribbean nations: foster relationship with U.S. and support efforts to improve financial and geopolitical stability in the region, E1648 [1AU]

CFTC: authorize greater resources and authority to provide additional oversight and transparency to the commodity futures markets (H.R. 6921), H8422 [18SE]

———curb role of excessive speculation in contract markets involving energy futures or swaps and eliminate excessive speculation or other activity causing major energy market disturbances (H.R. 6377), H6096, H6098, H6103-H6110, H6128, H6157 [26JN], H7071 [24JY]

Chemung Canal Trust Co.: anniversary, E1749 [10SE]

Colleges and universities: require the Depts. of Education and the Treasury to evaluate the feasibility of an alternative market-based reform to the Federal Family Education Loan Program, H755, H756 [7FE]

Columbia University: tribute to initiative to restructure financial aid policies, E670 [22AP]

Committee on Financial Bailouts (House, Select): establish (H. Res. 1452), H8547 [22SE]

Committee on Financial Services (House): hearing on merger of Bear Stearns Cos., Inc., and JPMorgan Chase & Co., H3160, H3170, H3172, H3175-H3177 [7MY], H3287 [8MY]

Community development: enhance investments, H3134, H3140 [7MY]

Communtiy Reinvestment Act: role in financial crisis, E2326 [20NO]

Consumers: protect from predatory mortgage lending practices, H6 [15JA]

———require enhanced disclosure regarding the consequences of making only minimum required payments in the repayment of credit card debt (H.R. 1510), H8605 [23SE]

Corp. for National and Community Service: consider average mortgage foreclosure rates of an area when considering applications from States and other eligible entities, H1388 [6MR]

Credit: eliminate predatory credit card practices targeting Hispanic Americans, E2113 [28SE]

———provide for enhanced disclosure under an open end credit plan (H.R. 5244), H6391-H6393 [10JY], H8584, H8598-H8613 [23SE], E1918, E1943, E1969 [25SE], E2011 [26SE], E2063 [27SE], E2113 [28SE]

———provide for enhanced disclosure under an open end credit plan (H.R. 5244), consideration (H. Res. 1476), H8590-H8597 [23SE]

———provide for enhanced disclosure under an open end credit plan (H.R. 5244), motion to recommit, H8612 [23SE]

———reform and provide accountability for mortgage practices, establish licensing and registration requirements for mortgage originators, and provide certain minimum standards for mortgage loans, H6842 [23JY]

———reform and provide accountability for mortgage practices, establish licensing and registration requirements for mortgage originators, and provide certain minimum standards for mortgage loans (H.R. 3915), H1970 [2AP], H2000 [3AP]

———remove an impediment to troubled debt restructuring on the part of holders of residential mortgage loans, H3201 [8MY]

———require FRS study on impact of credit availability for small businesses, veterans, or minorities prior to enacting legislation to enhance disclosure under an open end credit plan, H8612 [23SE]

Credit unions: exempt business loans made in underserved areas from existing cap on member business lending, H5984 [24JN]

———importance, E675 [22AP]

Crime: enable increased Federal prosecution of identity theft crimes and allow restitution to victims of identity theft, H8076, H8078 [15SE]

Dacanay, Laura-Lynn Viegas: SBA Guam Financial Services Champion of the Year award recipient, E415 [14MR]

DeLaney, Jackie: SBA Nevada Financial Services Champion of the Year award recipient, E860 [8MY]

Democratic Party: evaluation of economic policies, H8145 [16SE]

———national agenda, H8458, H8459 [18SE], H8557 [22SE], H9221 [24SE]

Dept. of Education: ensure institutions of higher education receiving sustainability planning grants under the Federal Perkins Loan Program meet current energy efficiency standards, H753 [7FE]

———extend loan forgiveness programs to community college students who volunteer to mentor at-risk children, H770, H771 [7FE]

———extend loan forgiveness programs to principals and school administrators who work in low-income school districts, H767, H768 [7FE]

———extend the Federal Family Education Loan Program and the Direct Loan Program audit reporting requirements, H756, H757 [7FE]

———provide that interest shall not accrue on Federal Direct Loans for active duty servicemembers and their spouses, H753 [7FE]

———review and revise regulations concerning prohibited guaranty agency inducements to eligible lenders, H2463 [17AP]

———student financial aid programs funding, H10771 [3OC]

Dept. of HUD: HOPE for Homeowners loan program funding, H10767 [3OC]

———restore confidence in Government-sponsored enterprises, H6452 [14JY], H6554, H6555, H6559, H6560 [15JY]

Dept. of the Treasury: clarify authority of OTS and Office of Comptroller of the Currency to regulate and oversee depository institution products and services marketing and distribution system, H6997 [23JY]

———require financial institutions receiving assistance under the Troubled Asset Relief Program to report increases in new lending that are attributable to such assistance, H10933 [10DE]

Dept. of Veterans Affairs: enhance life insurance benefits for disabled veterans (S. 1315), H2736, H2737 [24AP], H5153 [10JN], H5966, H5967 [24JN], H7759 [31JY], H8401 [18SE], H8487-H8491 [22SE]

———small business loan program funding, H8484 [22SE]

Developing countries: include in the eligibility criteria for debt relief a commitment to promote free and fair elections and cooperate with the U.S. to eliminate human trafficking and prevent illegal immigration, H2387 [16AP]

———include in the eligibility criteria for debt relief that the government of eligible countries shall have been chosen by, and permits, free elections, H2380, H2388, H2389 [16AP]

———provide for greater responsibility in lending and expanded cancellation of debts owed to the U.S. and international financial institutions by low-income countries (H.R. 2634), H2376-H2394 [16AP], E650 [17AP], E682 [22AP], E962 [19MY]

———provide for greater responsibility in lending and expanded cancellation of debts owed to the U.S. and international financial institutions by low-income countries (H.R. 2634), consideration (H. Res. 1103), H2367-H2374 [16AP]

———provide for greater responsibility in lending and expanded cancellation of debts owed to the U.S. and international financial institutions by low-income countries (H.R. 2634), corrections in engrossment, H2560 [23AP]

———provide for greater responsibility in lending and expanded cancellation of debts owed to the U.S. and international financial institutions by low-income countries (H.R. 2634), motion to recommit, H2391, H2392 [16AP]

Economy: create oversight board to issue criminal penalties and civil sanctions, H10381 [29SE]

———dominance of the U.S. dollar as the world's reserve currency, E1424 [9JY]

———impact of depreciation of the U.S. dollar, H6567 [15JY]

———impact of subprime mortgage lending, H262, H266 [16JA], H1964, H1967-H1971 [2AP], H8389 [17SE], H10650 [2OC]

———national objectives priority assignments, H1964-H1971 [2AP], H5486 [18JN], H10135 [27SE]

———proposed Government bailout of financial institutions, H8479, H8481, H8545, H8550-H8559 [22SE], H8581, H8582, H8583, H8584, H8585, H8586, H8587, H8707 [23SE], H9088, H9089, H9090, H9300 [24SE], H9872, H9873, H9874, H9948-H9951, H9967-H9969 [25SE], H9978, H9979, H10120 [26SE], H10135, H10136, H10281 [27SE], H10301, H10302, H10303, H10304, H10314, H10316-H10327 [28SE], H10359-H10411, H10631, H10633, H10634, H10635, H10637 [29SE], H10646, H10647, H10648, H10649, H10650, H10652, H10653, H10678, H10679, H10682-H10693 [2OC], H10701, H10702-H10710, H10712-H10806, H10811, H10816-H10821 [3OC], H10950 [10DE], E1996 [25SE], E2187 [30SE], E2209, E2212 [2OC], E2259 [19NO], E2293, E2307 [20NO]

———regulation of U.S. financial markets, H1830, H1832 [1AP], H8107 [15SE], H8380, H8382-H8388 [17SE], H8479, H8481, H8545, H8550-H8559 [22SE], H9300 [24SE], H9948-H9951 [25SE], E959 [19MY]

———require the SEC to issue rules on short selling of securities, establish FDIC net worth certificate program, and increase maximum amount of depository insurance (H.R. 7240), H10779 [3OC]

———restore lines of credit to financial institutions and true market value to home mortgages, H10705 [3OC]

———suspend capital gains tax, schedule government-sponsored enterprises for privatization, repeal Humphrey-Hawkins Full Employment Act, and suspend mark-to-market accounting requirements (H.R. 7223), H10635 [29SE]

———suspend mark-to-market accounting requirements, H10633 [29SE]

———utilize certain Government-sponsored enterprises to ensure funding and credit under the proposed Government bailout of financial institutions assists small businesses, homeowners, and farmers, H10768 [3OC]

Education: Asian-American student financial aid program funding, H7648 [31JY]

———make student financial aid programs available to students with minor drug convictions, H2632 [23AP]

———Pell Grants and Perkins Loans funding, H780, H781 [7FE]

———permit consolidation of Federal student loans into a single direct income-contingent loan repayment program, H7661 [31JY]

———student financial aid programs funding, H597 [6FE]

———student loan programs, H7147, H7148 [24JY]

Expedited Funds Availability Act: provide a 1-time adjustment in certain dollar amounts to account for inflation and provide for future adjustments of such amounts on a regular basis (H.R. 6871), E1772 [11SE]

Family Foreclosure Rescue Corp.: establish (H.R. 4135), H10780 [3OC]

FBI: establish a Nationwide Mortgage Fraud Coordinator, H8517-H8519 [22SE]

———establish the Nationwide Mortgage Fraud Task Force (H.R. 6853), H8517-H8519 [22SE]

FDIC: provide additional authority in resolving problem financial institutions (H.R. 6565), E1525 [22JY]

———raise the maximum Federal deposit insurance coverage (H.R. 6986), E1861 [22SE]

Federal deposit insurance system: increase amount of deposits insured, H10702, H10798 [3OC]

Federal employees: provide that employees receiving their pay by electronic funds transfer are given the option of receiving their pay stubs electronically (H.R. 6073), H7218 [29JY], H7596 [30JY], E1664 [1AU]

Federal Financial Institutions Examination Council: establish a telephone number that consumers with complaints or inquiries could call and be routed to the appropriate Federal or State banking agency (H.R. 4332), H2820, H2821 [29AP]

Financial Literacy Month: support goals and ideals (H. Res. 1079), H2814-H2820 [29AP], E780 [30AP], E813, E814 [5MY]

Financial Services Roundtable (organization): tribute for Community Service 2008 initiative, E1687 [1AU]

FirstBank (business): Golden, CO, Rotary Club Customer Service Award recipient, E1155 [5JN]

Foreign countries: deny countries with business relationships with Iran eligibility for debt relief programs, H2391, H2392 [16AP]

FRS: require the Board of Governors make public its actions and the impact of such actions on the economy, H1976 [3AP]

GAO: conduct study to determine the impact of raising loan limits on tuition, fees, room and board, and private loan borrowing, H2464, H2465 [17AP]

Government regulations: advance credit union efforts to promote economic growth, modify credit union regulatory standards and burdens, and improve productivity for insured depository institutions (H.R. 6312), H5979-H5984 [24JN], E1347 [25JN]

———advance credit union efforts to promote economic growth and modify credit union regulatory standards and burdens (H.R. 5519), E1200 [11JN]

———eliminate regulatory burdens imposed on insured depository institutions and money services businesses and enhance availability of transaction accounts (H.R. 4049), H6775-H6777 [22JY]

Haiti: expedite complete and immediate cancellation of international debts, H2372, H2389 [16AP], E650 [17AP]

Health care professionals: designate physical therapists as a national need and eligible for student loan forgiveness, H760, H761 [7FE]

———provide for the participation of physical therapists in the National Health Service Corps Loan Repayment Program (H.R. 1134), H761 [7FE]

Higher Education Act: expand teacher loan forgiveness provisions to include speech-language pathologists, H651 [7FE]

Home Owners' Loan Corp.: establish (H.R. 5649), E421 [14MR]

House of Representatives: provide that employees receiving their pay by electronic funds transfer are given the option of receiving their pay stubs electronically (H. Res. 1207), H7896, H7897 [9SE], H8025 [11SE]

Housing: aid families and neighborhoods facing home foreclosure and address the subprime mortgage crisis, H2284 [15AP], H2633 [23AP], H8402 [18SE], H10798, H10799 [3OC]

———encourage cooperation between borrowers and lenders to decrease foreclosures, H6478 [15JY]

———establish a commission to perform an examination of current foreclosure and mortgage lending crisis and make recommendations to address such problems (H.R. 3666), H3128 [7MY]

———handling of foreclosure crisis, H3059 [6MY], H5550 [18JN], H6553 [15JY], H10770, H10771 [3OC]

———home mortgage foreclosure counseling funding, H500 [29JA]

———increase the conforming loan limit in high-cost areas, H3297 [8MY]

———institute a moratorium on home mortgage foreclosure, H499 [29JA]

———mortgage foreclosure prevention counseling resources funding, E983 [21MY]

———protect the interests of bona fide tenants in the case of any foreclosure on any dwelling or residential real property, H3137 [7MY]

———provide needed housing reform, H3056, H3059 [6MY], H7857 [9SE]

———provide needed housing reform (H.R. 5857), E986 [21MY], E1693 [1AU]

———reform the regulation of the housing-related Government-sponsored enterprises, H3134, H3140 [7MY], H6841, H6988-H7010 [23JY], H7857 [9SE], H8000 [10SE], H9949, H9950 [25SE], H10135 [27SE], H10683 [2OC]

———reform the regulation of the housing-related Government-sponsored enterprises (H.R. 1427), H2000 [3AP]

———support goal of increased and sustainable homeownership and recognize importance of homeownership programs, fair lending laws, and fair housing laws in achieving that goal (H. Con. Res. 392), E1498 [17JY]

Investments: allow for the issuance of green building and sustainable design project bonds, E2230 [3OC]

———establish and provide for treatment of individual development accounts (H.R. 1514), H1808 [31MR]

Kloppenburg, Earl E., and family: SBA Guam Jeffrey Butland Family-Owned Business of the Year award recipient, E433 [14MR]

Local government: permit purchase from the Dept. of the Treasury of certain mortgages held by persons who are not less than 120 days in default in repaying the mortgage debts (H.R. 7113), H10781 [3OC]

McCain, Senator: assessment of comments on the economy, H8139, H8141 [16SE]

———assessment of economic policies, H8587 [23SE]

Monroe County, MI: anniversary of Monroe Bank & Trust, E1211 [12JN]

Motor vehicles: make auto financing companies eligible for Federal assistance, H10768 [3OC]

Muna, Annmarie T.: SBA Guam Women in Business Champion of the Year award recipient, E433 [14MR]

National Consumer Cooperative Bank: treat the nonprofit corporation affiliate as a community development financial institution (H.R. 6642), E1599 [30JY]

National Foundation for Credit Counseling: tribute to financial literacy poster contest winners, E556 [9AP]

Office of the Comptroller of the Currency: role in preempting State laws designed to protect consumers from certain predatory lending practices, E239 [26FE]

Pfafftown, NC: tribute to Ronald Reagan High School student credit union, H8546 [22SE]

Political campaigns: assessment of Presidential candidates' economic proposals, H9090 [24SE], H9873 [25SE]

Public debt: debt held by foreigners, H267, H268 [16JA], H612, H615 [6FE], H801 [7FE], H1575 [12MR], H5563 [18JN]

———debt held by foreigners through acquisition of U.S. sovereign wealth funds, H541 [29JA], H1400 [6MR]

Real estate: make permanent the increases in loan limits for Fannie Mae, Freddie Mac, and FHA, H3302 [8MY]

———prohibit home equity conversion mortgage lenders from requiring seniors to purchase annuities with reverse mortgages proceeds and provide other consumer protections to reverse mortgage borrowers, H3304 [8MY]

Republican Party: evaluation of economic policies, H8142, H8144 [16SE]

Saratoga Springs, NY: tribute to community blood drive, E1266 [18JN]

SBA: improve certain loan programs (H.R. 7175), H10224-H10228 [27SE]

Securities: enhance oversight of derivatives dealers and hedge funds, reduce potential for systematic risk to financial system, and protect investors (H.R. 7266), E2219 [3OC]

———impose a fee on stock transactions, H9978 [26SE]

St. Mary's Cooperative Credit Association: anniversary of first established credit union (H. Res. 1145), H5166, H5167 [10JN], E1200 [11JN]

State of New York Mortgage Agency: tribute to partnership with NeighborWorks America (organization) to promote home ownership in underserved neighborhoods, E462 [1AP]

Taxation: conform return preparer penalty standards, delay implementation of withholding taxes on government contractors, enhance taxpayer protections, and assist low-income taxpayers (H.R. 5719), H2274, H2275, H2307-H2322, H2323 [15AP], H2358 [16AP], E621 [15AP], E653 [17AP], E717 [24AP]

———conform return preparer penalty standards, delay implementation of withholding taxes on government contractors, enhance taxpayer protections, and assist low-income taxpayers (H.R. 5719), consideration (H. Res. 1102), H2299-H2306 [15AP]

———conform return preparer penalty standards, delay implementation of withholding taxes on government contractors, enhance taxpayer protections, and assist low-income taxpayers (H.R. 5719), corrections in engrossment, H2323 [15AP]

———conform return preparer penalty standards, delay implementation of withholding taxes on government contractors, enhance taxpayer protections, and assist low-income taxpayers (H.R. 5719), motion to recommit, H2319, H2320 [15AP]

Truth in Lending Act: enhance disclosure of the terms of home mortgage loans, E1602 [30JY]

———prohibit unfair practices in electronic payment system networks (H.R. 6248), H8591 [23SE]

Varias, Faye Balmonte: SBA Guam Journalist Champion of the Year award recipient, E434 [14MR]

Washington: commend support for the needs of veterans and encourage residents of other States to pursue creative ways to show their own support for veterans (H. Res. 790), H914-H916 [13FE], E194 [14FE]

West Virginia: anniversary of Poca Valley Bank, E420 [14MR]

Remarks in Senate

Antitrust policy: amend laws to ensure competitive market-based rates and terms for merchants' access to electronic payment systems (S. 3086), S5208-S5210 [5JN]

Armed Forces: extend period after release from active duty during which a member is protected from mortgage foreclosure, S2378 [3AP]

———extend period after release from active duty during which a member is protected from mortgage foreclosure (S. 2658), S1125 [25FE]

Bankruptcy: amend laws relative to modification of certain mortgages on principal residences, S1445 [3MR], S2267 [1AP], S2316 [2AP], S2371, S2375-S2377, S2380-S2383, S2387-S2395, S2402 [3AP], S2606 [4AP], S2717, S2718, S2723-S2725 [8AP], S2804 [9AP], S2841 [10AP]

———amend laws relative to modification of certain mortgages on principal residences (S. 2136), S684 [6FE], S2261 [1AP]

———authorize courts to take certain actions relative to mortgage loans in bankruptcy, S2380, S2381 [3AP], S2718, S2723-S2725 [8AP]

———authorize courts to take certain actions relative to mortgage loans in bankruptcy (S. 2133), S2261 [1AP]

Budget: allocation of funds, S1554 [5MR]

Bush, President: evaluation of Administration policies, S10545 [17NO]

———evaluation of economic policies, S8821 [16SE], S8999-S9001 [18SE], S9368 [24SE]

Business and industry: prohibit recipients of emergency Federal assistance from using such funds for lobbying or political contributions, and improve transparency, accountability, and corporate governance (S. 3698), S10660 [19NO]

CFTC: curb role of excessive speculation in contract markets involving energy futures or swaps and eliminate excessive speculation or other activity causing major energy market disturbances (H.R. 6377), S6218 [26JN], S6313 [27JN], S6368 [7JY], S6371 [8JY]

———curb role of excessive speculation in contract markets involving energy futures or swaps and eliminate excessive speculation or other activity causing major energy market disturbances (H.R. 6377), unanimous-consent request, S6313 [27JN]

Colleges and universities: make college more affordable by lowering interest rates and increasing financial aid opportunities through reductions in student loan industry subsidies (H.R. 2669), conference report, S6183 [26JN]

Committee on Homeland Security and Governmental Affairs (Senate): authorize release of Permanent Subcommittee on Investigations records from investigation of tax haven financial institutions (S. Res. 642), S7981 [31JY]

———release of Permanent Subcommittee on Investigations records on financial institution transactions to enable foreign taxpayers to avoid dividend taxes (S. Res. 680), S9434 [24SE]

Commodity Exchange Act: prevent excessive price speculation with respect to energy and agricultural commodities (S. 3577), S9494-S9496 [25SE]

———prevent excessive price speculation with respect to energy commodities, S7996 [1AU]

———prevent excessive price speculation with respect to energy commodities (S. 3268), S6725, S6797 [15JY], S6799, S6802, S6804, S6821-S6826, S6859 [16JY], S6879 [17JY], S7129-S7140 [23JY], S7206-S7209, S7211, S7214, S7217-S7223, S7226-S7232, S7234-S7245, S7247-S7253, S7257, S7262, S7265 [24JY], S7435-S7440, S7442-S7447, S7451-S7456, S7458, S7466-S7468, S7473 [25JY], S7488, S7490, S7493, S7494, S7513 [26JY], S7543, S7544, S7552, S7556, S7557 [28JY], S7588, S7597-S7599, S7610 [29JY], S7718, S7725, S7751, S7752, S7763-S7767 [30JY], S7809, S7813, S7831 [31JY], S7985 [1AU]

———prevent excessive price speculation with respect to energy commodities (S. 3268), motion to proceed, S6880, S6881, S6885, S6888-S6890, S6903-S6908 [17JY], S6947, S6949, S6950, S6952-S6960 [21JY], S6983-S7024 [22JY], S7090-S7129 [23JY]

———prevent excessive price speculation with respect to energy commodities (S. 3268), star print, S7079 [22JY]

———prevent excessive price speculation with respect to energy commodities (S. 3268), unanimous-consent agreement, S6946 [17JY], S6983 [22JY], S7433 [24JY]

———prevent excessive price speculation with respect to energy commodities (S. 3268), unanimous-consent request, S6880 [17JY], S7091, S7132 [23JY], S7227, S7228, S7244 [24JY], S7518 [26JY], S7541, S7542, S7552, S7553 [28JY], S7721 [30JY], S7824-S7830 [31JY]

Consumer Credit Safety Commission: establish (S. 3629), S9711 [26SE]

Corporations: require disclosure of beneficial owners of newly incorporated entities to prevent exploitation for criminal gain and assist law enforcement with terrorism and money laundering prevention (S. 2956), S3704-S3706 [1MY]

Credit: allow States to enact lending laws and consumer protections that set limits on interest rates and fees charged to State residents, S9464 [25SE]

———ban abusive credit practices, enhance consumer disclosures and protect underage consumers (S. 3252), S6572-S6581 [10JY], S10409 [2OC]

———create a national licensing system for residential mortgage loan originators and develop minimum standards of conduct to be enforced by State regulators, S1362 [28FE], S2383-S2385, S2410-S2412 [3AP]

———create a national licensing system for residential mortgage loan originators and develop minimum standards of conduct to be enforced by State regulators (S. 2595), S734 [6FE]

———establish a national consumer credit usury rate, S2400, S2415-S2418 [3AP]

———establish a national consumer credit usury rate (S. 3287), S6941 [17JY]

———establish requirements for private lenders to protect student borrowers receiving private educational loans, S7864 [31JY]

———maintain eligibility for Federal Parent Loan for Undergraduate Student (PLUS) loans of borrowers who are delinquent on mortgage loan payments or involved in foreclosure proceedings (S. 2895), S3208 [21AP]

———provide for enhanced disclosure under an open end credit plan (S. 2542), S105-S107 [22JA]

———provide for enhanced disclosures to consumers and enhanced regulation of mortgage brokers, S2386 [3AP], S2620-S2622 [7AP]

———transaction fees for small business-related credit card purchases, S7470 [25JY]

Democratic Party: national agenda, S6344-S6346 [7JY]

Dept. of Education: extend loan forgiveness programs to students who volunteer to mentor at-risk children (S. 3635), S9717 [26SE]

Dept. of HHS: require removal of Social Security account numbers from Medicare identification cards and communications provided to beneficiaries (S. 3512), S8954 [17SE]

Dept. of HUD: clarify that Freddie Mac and Fannie Mae have no responsibility for funding housing entities under the Affordable Housing program, S5783, S5806-S5811 [19JN]

———extend Philadelphia, PA, Moving to Work agreement, S2729 [8AP]

———implement Government-sponsored enterprises regulatory reform, S5981, S5982, S5983 [24JN]

———prohibit use of funding to provide Community Development Block Grant Program assistance for the purchase of foreclosed homes from financial institutions, S2782, S2783 [9AP], S5384 [9JN]

———restore confidence in Government-sponsored enterprises, S6588 [11JY], S6619 [14JY], S6884 [17JY]

Dept. of Justice: establish a Special Joint Task Force on Financial Crimes (S. 3677), S10338 [1OC]

Dept. of the Treasury: establish an Office of Foreclosure Evaluation (S. 3686), S10582 [17NO]

———improve authority of Special Inspector General for the Troubled Asset Relief Program (S. 18), S10744 [20NO]

———improve authority of Special Inspector General for the Troubled Asset Relief Program (S. 3716), S10750 [20NO]

———improve authority of Special Inspector General for the Troubled Asset Relief Program (S. 3731), S10884 [10DE], S10971 [12DE]

———increase oversight for certain expenditures for the Troubled Asset Relief Program intended to bailout financial institutions, S10791-S10799 [8DE], S10831 [9DE]

———require congressional approval for certain expenditures for the Troubled Asset Relief Program intended to bailout financial institutions (S. 3683), S10544 [17NO], S10892 [11DE]

———require congressional approval for certain expenditures for the Troubled Asset Relief Program intended to bailout financial institutions (S. 3697), S10683 [20NO]

———troubled assets relief plan contracting provisions for asset managers, S10249 [1OC]

———use funds from the Troubled Asset Relief Program for proposed Government bailout of the automobile industry, S10789 [8DE]

Dept. of Veterans Affairs: enhance life insurance benefits for disabled veterans (S. 1315), S1038, S1043 [14FE], S3288-S3299 [23AP], S3337, S3343, S3347-S3355, S3376, S3377 [24AP], S3435-S3437 [28AP], S4889 [2JN], S7808 [31JY], S8996 [18SE]

———enhance life insurance benefits for disabled veterans (S. 1315), motion to proceed, S3169 [17AP], S3171 [18AP], S3178-S3181 [21AP], S3213-S3216, S3221-S3226, S3232, S3236, S3238-S3242, S3244-S3248 [22AP]

———enhance life insurance benefits for disabled veterans (S. 1315), unanimous-consent request, S3226, S3248, S3249 [22AP], S8996 [18SE], S9388, S9389 [24SE]

———improve home loan guaranty programs (S. 3087), S5210 [5JN]

Economy: address oversight authority needed to regulate investment banks and financial markets, S2212 [31MR], S10848-S10850 [10DE]

———establish a Federal Board of Certification to enhance the transparency, credibility, and stability of financial markets (S. 3522), S9032 [18SE]

———help families keep their homes by restructuring loans and modifying mortgages, and protect taxpayers by regulating dividend payments by certain financial institutions (S. 3690), S10599 [17NO]

———impact of subprime mortgage lending, S2329-S2332 [2AP], S8826, S8828, S8833 [16SE], S8922-S8925 [17SE], S8965, S8967, S8996 [18SE]

———limit compensation for executives at companies that receive Federal bailout funds, S9175-S9177 [22SE], S10243 [1OC]

———national objectives priority assignments, S8826-S8828 [16SE]

———proposed Government bailout of financial institutions, S9170, S9171, S9175-S9179, S9186, S9189-S9191 [22SE], S9223-S9226, S9263-S9267 [23SE], S9352, S9353, S9357-S9366, S9368-S9372, S9382-S9388 [24SE], S9446, S9447, S9455, S9463, S9466, S9468 [25SE], S9567, S9568, S9570-S9573, S9578-S9583, S9607-S9614, S9616-S9624 [26SE], S9891, S9893, S9965, S9966 [27SE], S10027-S10030, S10037-S10039, S10050 [29SE], S10115, S10116, S10118-S10127, S10131, S10133-S10135, S10140-S10146, S10150-S10155, S10188 [30SE], S10190, S10205, S10215-S10284, S10291-S10295, S10328 [1OC], S10407-S10413, S10415, S10429-S10434 [2OC], S10542-S10544 [17NO], S10683, S10707-S10709 [20NO], S10859 [10DE], S10892 [11DE]

———provide for judicial review of Dept. of the Treasury actions relative to proposed Government bailout of financial institutions, S10279 [1OC]

———provide for judicial review of Dept. of the Treasury actions relative to proposed Government bailouts of financial institutions and automobile industry, S10902 [11DE]

———regulation of U.S. financial markets, S8516 [15SE], S8813, S8831-S8836 [16SE], S8898-S8902, S8922-S8925, S8936-S8938 [17SE], S8964-S8983, S8991-S8993, S8996, S9012 [18SE], S9170, S9171, S9175-S9179, S9186, S9189-S9191 [22SE], S9223-S9226 [23SE], S9357-S9366, S9369-S9372, S9382-S9388 [24SE], S9463, S9466, S9468 [25SE], S9578, S9607-S9611, S9613 [26SE]

Education: increase grant aid for neediest students, expand options for Federal student loans, and improve reliability of current Federal loan programs (S. 2815), S2440-S2442 [3AP]

———provide funding for student loan repayment for public attorneys, S7862, S7864 [31JY]

———student financial aid programs, S1723 [7MR]

———student loan programs, S9269 [23SE]

FBI: authorize additional field agents to investigate financial crimes (S. 3704), S10665 [19NO]

FDIC: preserve Lawyers' Trust Account program, S10722 [20NO]

Federal aid programs: allow Federal home loan banks to invest surplus funds in student loan securities and make advances for student loan financing (S. 2847), S2949 [10AP]

———authorize a grant program to provide for expanded access to mainstream financial institutions (S. 3410), S7968 [31JY], S9638 [26SE]

Federal deposit insurance system: increase amount of deposits insured, S10263 [1OC], S10409 [2OC]

Federal employees: provide that employees receiving their pay by electronic funds transfer are given the option of receiving their pay stubs electronically (H.R. 6073), S10184 [30SE]

Federal Financial Institutions Examination Council: establish a telephone number that consumers with complaints or inquiries could call and be routed to the appropriate Federal or State banking agency (S. 3153), S5722 [18JN]

Federal Mortgage Origination Commission: establish (S. 3581), S9497 [25SE], S9616 [26SE]

FHA: establish a maximum interest rate on FHA-insured mortgages, S2722 [8AP]

———prohibit funding for HOPE for Homeowners loan program, S5781, S5808-S5812 [19JN], S5927 [20JN], S5980, S5982 [24JN], S7438 [25JY]

Financial Literacy Month: designate (S. Res. 495), S2306 [1AP]

FRS: reform, S9578 [26SE]

FTC: grant rulemaking authority to allow regulation and prosecution of companies engaged in deceptive mortgage advertising, S2623 [7AP]

Go Direct Month: designate (S. Res. 443), S671 [5FE]

Government regulations: apply safety and soundness regulation to investment bank holding companies and implement reporting requirements for the purchase or sale of credit default swap contracts (S. 3691), S10549 [17NO]

———ease credit union regulatory burdens, advance credit union efforts to promote economic growth, and modernize credit union net worth standards (S. 2957), S3708 [1MY]

———reform regulation of U.S. financial markets, S10549 [17NO]

Governmental regulations: regulation and enhancement of the over-the-counter market for interest rate swaps and credit default swaps under the proposed Government bailout, S10434 [2OC]

Government-sponsored enterprises: prohibit golden parachute payments for former executives and directors of Fannie Mae and Freddie Mac, S8222 [10SE]

Homeownership Preservation Corp.: establish, S413 [29JA]

Housing: aid families and neighborhoods facing home foreclosure and address the subprime mortgage crisis, S2325 [2AP], S9582 [26SE], S10252 [1OC]

———aid families and neighborhoods facing home foreclosure and address the subprime mortgage crisis (S. 2734), S1743, S1781 [7MR], S1785 [10MR], S2254, S2278 [1AP], S2385 [3AP], S5781 [19JN]

———encourage residential mortgage loan modifications and workout plans (S. 2901), S3306 [23AP]

———facilitate modification and refinancing of home loans, S10234 [1OC]

———handling of foreclosure crisis, S5384 [9JN], S8467 [12SE]

———mortgage foreclosure prevention counseling resources funding, S2407-S2409 [3AP], S2628 [7AP]

———prohibit predatory mortgage lending practices, S40 [22JA], S160 [23JA], S634 [5FE]

———reform the regulation of the housing-related Government-sponsored enterprises, S2737 [8AP], S5384 [9JN], S7217 [24JY], S7438 [25JY], S7504 [26JY], S7566 [28JY], S8222, S8227 [10SE], S8979-S8981 [18SE], S9360 [24SE], S10236 [1OC]

———require second independent appraisals for homes which are resold within a certain time period, S2729 [8AP]

Immigration: close loophole that allowed 9/11 hijackers to obtain credit cards from U.S. banks and ensure illegal immigrants cannot obtain credit cards to evade U.S. immigration laws (S. 2714), S1655 [5MR], S1661, S1667 [6MR]

Institute for Financial Literacy: tribute, S490 [30JA]

Motor vehicles: make auto financing companies eligible for Federal assistance, S10250 [1OC]

National Infrastructure Bank: establish (S. 1926), S7821 [31JY]

NeighborWorks America (organization): foreclosure mitigation counseling services funding, S2422 [3AP], S2718, S2722 [8AP]

Office of Federal Housing Enterprise Oversight: improve regulation of appraisal standards for mortgages purchased or guaranteed by Government-sponsored enterprises, S5805, S5807 [19JN], S6140 [25JN]

Political campaigns: assessment of Presidential candidates' economic proposals, S8822-S8824 [16SE], S8999-S9001 [18SE]

Presidential appointments: nominations considered and confirmed en bloc, S8073-S8077 [1AU]

Public debt: debt held by foreigners, S5010 [4JN], S9009 [18SE]

Real estate: diminish predatory lending by enhancing appraisal quality and standards, improve appraisal oversight, ensure mortgage appraiser independence, and provide for enhanced remedies and enforcement (S. 2860), S6884 [17JY]

———establish on behalf of consumers a fiduciary duty and other standards of care for mortgage brokers and originators and require assessment of borrowers ability to repay mortgages, S2272 [1AP]

———establish on behalf of consumers a fiduciary duty and other standards of care for mortgage brokers and originators and require assessment of borrowers ability to repay mortgages (S. 1299), S6884 [17JY]

———prohibit home equity conversion mortgage lenders from requiring seniors to purchase annuities with reverse mortgages proceeds and provide other consumer protections to reverse mortgage borrowers, S2417 [3AP]

———promote foreclosure mitigation and counseling, S6884 [17JY]

SBA: reauthorize loan programs (S. 1256), S3342 [24AP]

———redactions in Inspector General report on investigation of Business Loan Center, LLC, S10468-S10470 [2OC]

———stabilize the small business lending market (S. 3596), S9505 [25SE]

SEC: investigation into merger of Bear Stearns Cos., Inc., and JPMorgan Chase & Co., S2831 [10AP]

———require hedge fund investment advisers to register, S40 [22JA], S160 [23JA]

———require hedge fund investment advisers to register (S. 1402), S9615 [26SE]

Senate: legislative priorities, S6826 [16JY], S6962-S6965 [21JY], S7506, S7507 [26JY], S8505 [15SE]

Senior citizens: protect from misleading and fraudulent marketing practices by senior financial advisors who have misleading designations (S. 2794), S2297 [1AP]

Small business: take steps to stop the small business credit crunch (S. 3705), S10665 [19NO]

Social Security: issue uniform standards for the truncation of account numbers on Medicare identification cards to protect from fraud or identity theft and prohibit display on the Internet of such account numbers, S6430 [8JY]

———provide grants to eligible entities to provide services to improve financial literacy among older individuals (S. 3053), S4796 [22MY]

Taxation: allow banks to be taxed as limited liability companies (S. 3254), S6605 [11JY]

———allow certain companies to substitute alternative minimum tax and research and development tax credits in lieu of bonus depreciation deductions, S2404-S2407 [3AP], S2592 [4AP]

———allow homeowners to deduct mortgage interest points when refinancing home mortgages, S2730 [8AP]

———establish disability savings accounts (S. 2741), S1878 [11MR]

———modify limitations on deduction of interest by financial institutions which hold tax-exempt bonds (S. 3518), S9030 [18SE]

———preserve low-income housing tax credits, S10251 [1OC]

———reform treatment of certain excessive employee remuneration (S. 3675), S10338 [1OC]

———require brokers to report sales proceeds of securities, S10249 [1OC]

Veterans: enhance refinancing of home loans (S. 2961), S3715 [1MY]

Reports

Predatory Charity—The Self-Interested Self-Help of the Center for Responsible Lending: Consumers Rights League, E581-E583 [10AP]

Reports filed

Consideration of H.R. 2634, Jubilee Act for Responsible Lending and Expanded Debt Cancellation: Committee on Rules (House) (H. Res. 1103) (H. Rept. 110-586), H2265 [14AP]

Consideration of H.R. 5244, Credit Cardholders' Bill of Rights Act: Committee on Rules (H. Res. 1476) (H. Rept. 110-867), H8577 [22SE]

Consideration of H.R. 5719, Taxpayer Assistance and Simplification Act: Committee on Rules (House) (H. Res. 1102) (H. Rept. 110-585), H2265 [14AP]

Credit Card Fair Fee Act: Committee on the Judiciary (House) (H.R. 5546) (H. Rept. 110-913), H10827 [3OC]

Credit Cardholders' Bill of Rights Act: Committee on Financial Services (House) (H.R. 5244) (H. Rept. 110-857), H8275 [16SE]

Emergency Mortgage Loan Modification Act: Committee on Financial Services (House) (H.R. 5579) (H. Rept. 110-615), H3017 [1MY]

Expedited Funds Availability Dollar Limits Adjustment Act: Committee on Financial Services (House) (H.R. 6871) (H. Rept. 110-917), H10866 [9DE]

Helping Families Save Their Homes in Bankruptcy Act: Committee on the Judiciary (Senate) (S. 2136), S7628 [29JY]

———Committee on the Judiciary (Senate) (S. 2136) (S. Rept. 110-514), S9655 [26SE]

International Development Association Replenishment Act: Committee on Foreign Relations (Senate) (S. 3168) (S. Rept. 110-464), S8853 [16SE]

Jubilee Act for Responsible Lending and Expanded Debt Cancellation: Committee on Financial Services (House) (H.R. 2634) (H. Rept. 110-575), H2223 [10AP]

———Committee on Foreign Relations (Senate) (S. 2166) (S. Rept. 110-438), S8034 [1AU]

Municipal Bond Fairness Act: Committee on Financial Services (House) (H. Res. H.R. 6308) (H. Rept. 110-835), H7955 [9SE]

Private Student Loan Transparency and Improvement Act: Committee on Banking, Housing, and Urban Affairs (Senate) (S. 2894) (S. Rept. 110-327), S3206 [21AP]

Provide That Employees Receiving Their Pay by Electronic Funds Transfer Are Given the Option of Receiving Their Pay Stubs Electronically: Committee on Oversight and Government Reform (House) (H.R. 6073) (H. Rept. 110-780), H7168 [28JY]

Provide That Federal Employees Receiving Their Pay by Electronic Funds Transfer Are Given the Option of Receiving Their Pay Stubs Electronically: Committee on Homeland Security and Governmental Affairs (Senate) (H.R. 6073), S9414 [24SE]

Provide That House Employees Receiving Their Pay by Electronic Funds Transfer Are Given the Option of Receiving Their Pay Stubs Electronically: Committee on House Administration (House) (H. Res. 1207) (H. Rept. 110-830), H7852 [8SE]

Taxpayer Assistance and Simplification Act: Committee on Ways and Means (House) (H.R. 5719) (H. Rept. 110-584), H2265 [14AP]

U.S. Participation in, and Appropriations for the U.S. Contribution to, Replenishment of Resources of the African Development Fund: Committee on Foreign Relations (Senate) (S. 3169) (S. Rept. 110-441), S8034 [1AU]

Rulings of the Chair

Federal employees: provide that employees receiving their pay by electronic funds transfer are given the option of receiving their pay stubs electronically (H.R. 6073), H7218 [29JY]

Taxation: conform return preparer penalty standards, delay implementation of withholding taxes on government contractors, enhance taxpayer protections, and assist low-income taxpayers (H.R. 5719), H2321 [15AP]

Statements

Credit Cardholders' Bill of Rights Act: Executive Office of the President, H8591 [23SE]

Even Big Oil Executives Agree Excessive Speculation Has Driven Up Oil Prices: Several Oil Company Executives, S7102 [23JY]

Foreclosure Diversion and Residential Mortgage Loan Modification Act: Senator Specter, S10583 [17NO]

Jubilee Act for Responsible Lending and Expanded Debt Cancellation: Executive Office of the President, H2370 [16AP]

Real Reform or Nothing—Financial Reform Must Come First: Representative Kaptur, H9951 [25SE]

S. 3268 ``Stop Oil Speculation Now''—A Weak Dollar Contributes to High Oil Prices, S7488 [26JY]

Speculation in the Energy Commodities Market: Several Economists, S6991 [22JY]

Taxpayer Assistance and Simplification Act: Executive Office of the President, H2300 [15AP]

Summaries

Financial Counseling—Meaningful Strategy for Building Wealth in the Latino Community Report: Beatriz Ibarra, National Council of La Raza, H2819 [29AP]

Incorporation Transparency and Law Enforcement Assistance Act (S. 2956), S3708 [1MY]

Prevent Excessive Speculation Act (S. 3577), S9496 [25SE]

Texts of

H. Res. 790, commend Washington (State) support for the needs of veterans and encourage residents of other States to pursue creative ways to show their own support for veterans, H914 [13FE]

H. Res. 1079, support goals and ideals of Financial Literacy Month, H2815 [29AP]

H. Res. 1102, consideration of H.R. 5719, Taxpayer Assistance and Simplification Act, H2299 [15AP]

H. Res. 1103, consideration of H.R. 2634, Jubilee Act for Responsible Lending and Expanded Debt Cancellation, H2367 [16AP]

H. Res. 1145, St. Mary's Cooperative Credit Association anniversary, H5166 [10JN]

H. Res. 1207, provide that House employees receiving their pay by electronic funds transfer are given the option of receiving their pay stubs electronically, H7896 [9SE]

H. Res. 1476, consideration of H.R. 5244, Credit Cardholders' Bill of Rights Act, H8590 [23SE]

H.R. 1424, Emergency Economic Stabilization Act, H10712-H10755 [3OC]

H.R. 4049, Money Service Business Act, H6775 [22JY]

H.R. 4332, Federal Financial Consumer Hotline Act, H2820 [29AP]

H.R. 5244, Credit Cardholders' Bill of Rights Act, H8598, H8600-H8602 [23SE]

H.R. 5719, Taxpayer Assistance and Simplification Act, H2307-H2310 [15AP]

H.R. 6073, provide that Federal employees receiving their pay by electronic funds transfer are given the option of receiving their pay stubs electronically, H7218 [29JY]

H.R. 6312, Credit Union, Bank, and Thrift Regulatory Relief Act, H5979-H5982 [24JN]

H.R. 6377, Energy Markets Emergency Act, H6103 [26JN]

H.R. 6853, Nationwide Mortgage Fraud Coordinator Act, H8517 [22SE]

H.R. 7175, Small Business Financing Improvement Act, H10224-H10226 [27SE]

S. 18, Troubled Asset Relief Program Inspector General Improvement Act, S10744 [20NO]

S. 1315, Veterans' Benefits Enhancement Act, S3288-S3296 [23AP], S3355-S3363 [24AP], H8487-H8490 [22SE]

S. 2542, Credit Card Minimum Payment Notification Act, S107 [22JA]

S. 2595, Secure and Fair Enforcement for (S.A.F.E.) Mortgage Licensing Act, S735-S739 [6FE]

S. 2658, extend period after release from active duty during which a member of the Armed Forces is protected from mortgage foreclosure, S1125 [25FE]

S. 2741, Disability Savings Act, S1879-S1882 [11MR]

S. 2815, Strengthening Student Aid for All Act, S2442 [3AP]

S. 2895, PLUS Loan Borrower Protection Act, S3208 [21AP]

S. 2901, Encouraging Mortgage Modifications Act, S3307 [23AP]

S. 2956, Incorporation Transparency and Law Enforcement Assistance Act, S3706-S3708 [1MY]

S. 2961, enhance refinancing of home loans by veterans, S3715 [1MY]

S. 3053, provide grants to eligible entities to provide services to improve financial literacy among older individuals, S4796 [22MY]

S. 3252, Credit Card Accountability Responsibility and Disclosure (Credit CARD) Act, S6574-S6579 [10JY]

S. 3254, allow banks to be taxed as limited liability companies, S6606 [11JY]

S. 3268, Stop Excessive Energy Speculation Act, S6725-S6729 [15JY]

S. 3287, Protecting Consumers From Unreasonble Credit Rates Act, S6941 [17JY]

S. 3410, Improving Access to Mainstream Financial Institutions Act, S7969 [31JY]

S. 3512, Social Security Number Protection Act, S8955 [17SE]

S. 3518, Municipal Bond Market Support Act, S9031 [18SE]

S. 3522, Federal Board of Certification Act, S9033 [18SE]

S. 3629, Consumer Credit Safety Commission Act, S9711-S9715 [26SE]

S. 3690, Homeowner Assistance and Taxpayer Protection Act, S10600 [17NO]

S. 3705, 10 Steps for a Main Street Economic Recovery Act, S10666-S10670 [19NO]

S. 3731, Special Inspector General for the Troubled Asset Relief Program Act, S10884 [10DE]

S. Res. 443, Go Direct Month, S662, S671 [5FE]

S. Res. 495, Financial Literacy Month, S2300, S2306 [1AP]

S. Res. 642, Committee on Homeland Security and Governmental Affairs (Senate) Permanent Subcommittee on Investigations release of records from investigation of tax haven financial institutions, S7977, S7981 [31JY]

S. Res. 658, prohibit golden parachute payments for former executives and directors of Fannie Mae and Freddie Mac, S8498 [12SE]

S. Res. 680, Committee on Homeland Security and Governmental Affairs (Senate) release of Subcommittee on Investigations records on financial institution transactions to enable foreign taxpayers to avoid dividend taxes, S9424, S9434 [24SE]