CREDIT

Addresses

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

Amendments

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]

Economy: authorize financial assistance to eligible automobile manufacturers (H.R. 7321), S10952 [11DE], H10932 [10DE]

Education: ensure continued availability of access to the Federal student loan program for students and families (H.R. 5715), S3602 [30AP], H2462, H2463, H2464, H2465 [17AP], H2983 [1MY]

———ensure continued availability of access to the Federal student loan program for students and families (H.R. 5715), consideration (H. Res. 1107), H2366 [16AP]

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

Articles and editorials

American Dreams Built on a Shaky Foundation of Subprime Loans, S1402 [29FE]

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]

Better Bailout, H10797 [3OC]

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

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]

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]

401(K)s Tapped To Save Homes, S2599 [4AP]

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]

Housing Bill Hammers Taxpayers, S7495 [26JY]

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

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

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]

Rescuing Fannie Mae or Freddie Mac Is Nonsense, S7468 [25JY]

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]

Trickle-Up Bailout, S10410 [2OC]

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]

When Giants Fall—Shutdown of One or More U.S. Automakers Could Eliminate up to 3.3 Million U.S. Jobs, H10917 [10DE]

Bills and resolutions

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]

———provide that claims arising from high cost consumer credit transactions shall be subordinated to all other claims (see S. 3259), S6650 [14JY]

Consumer Credit Safety Commission: establish (see S. 3629), S9657 [26SE]

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

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

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

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

———limit amount of interchange fee imposed on sale of motor vehicle fuel (see H.R. 6620), H7164 [24JY]

———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]

Davis-Bacon Act: apply to rural development loan and loan guarantee programs (see H.R. 6267), H5407 [12JN]

Dept. of Education: 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: provide grants for Internet crime prevention education programs (see S. 3016), S4182 [14MY] (see S. 3074), S4893 [2JN] (see H.R. 6120), H4453 [21MY]

Dept. of the Treasury: 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]

———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]

Dept. of Veterans Affairs: extend certain home loan guaranty demonstration programs (see H.R. 6731), H7786 [31JY]

———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]

Economy: authorize financial assistance to eligible automobile manufacturers (see H.R. 7321), H10975 [10DE]

———authorize financial assistance to eligible automobile manufacturers (H.R. 7321), consideration (see H. Res. 1534), H10975 [10DE]

———encourage energy efficiency, infrastructure and workforce investment, and homeownership retention, and provide certain business tax relief and incentives (see S. 3119), S5592 [12JN]

———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 emergency unemployment compensation program and authorize loans to automobile manufacturers and component suppliers (see S. 3688), S10578 [17NO]

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

———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: ensure continued availability of access to the Federal student loan program for students and families (see H.R. 5715), H2069 [8AP]

———ensure continued availability of access to the Federal student loan program for students and families (H.R. 5715), consideration (see H. Res. 1107), H2354 [15AP]

———ensure continued availability of access to the Federal student loan program for students and families (H.R. 5715), technical corrections (see H.R. 7072), H9972 [25SE]

———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]

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

———correct definition of willful noncompliance relative to violations involving the printing of an expiration date on certain credit and debit card receipts before a certain date (see S. 2978), S3790 [6MY]

———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: 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]

Federal employees: require Members of Congress and senior public officials required to file financial disclosure statements to disclose the value of, and mortgage information on, all personal residences (see H.R. 6563), H6824 [22JY] (see H.R. 6644), H7307 [29JY]

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]

FHA: revise requirements for seller-financed downpayments for certain insured mortgages for single-family housing and authorize risk-based insurance premiums for certain mortgagors under such mortgages (see H.R. 6694), H7784 [31JY]

Financial institutions: 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]

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

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

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

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

FRS: prohibit Board of Governors from making funds available at a discount rate to private individuals, partnerships, and corporations (see S. 3510), S8948 [17SE]

Government regulations: 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]

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]

Health care professionals: provide for a loan repayment program for faculty members at programs of general dentistry or pediatric dentistry to alleviate faculty shortages (see H.R. 6551), H6727 [17JY]

Higher Education Act: expand teacher loan forgiveness (see H.R. 6144), H4830 [22MY]

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

Housing: address foreclosure crisis and revitalize neighborhoods (see S. 2791), S2295 [1AP]

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

———allow homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters (see H.R. 6116), H4453 [21MY]

———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]

———ensure amounts made available for mortgage loss mitigation counseling in areas having the highest foreclosure rates are used in such areas (see H.R. 6790), H7806 [1AU]

———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 S. 2636), S970 [13FE] (see H.R. 5857), H2551 [22AP]

———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]

———target housing counseling funding based upon levels of residential mortgage foreclosures and delinquencies (see H.R. 5966), H3050 [5MY]

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]

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]

Members of Congress: require public disclosure of the terms of home mortgages held by Members of Congress (see S. 3542), S9280 [23SE]

Mortgages: 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]

———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]

———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]

Real estate: 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: establish a process by which asset-backed instruments can be deemed eligible for nationally recognized statistical rating organization ratings and a list of such eligible asset-backed instruments (see H.R. 6482), H6472 [14JY]

Securities: 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]

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

Small Business Act: extend programs (see S. 3026, 3029), S4282 [15MY]

Small Business Investment Act: extend programs (see S. 3026, 3029), S4282 [15MY]

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]

Student loans: 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]

Taxation: allow a refundable credit for the purchase of a residence (see H.R. 7325), H10975 [10DE]

———allow individuals to establish Home Ownership Mortgage Expense (HOME) Accounts which may be used to purchase, remodel, or make mortgage payments on principal residences (see H.R. 6373), H6089 [25JN]

———allow use of qualified mortgage revenue bonds for refinancing mortgages and provide for a temporary increase in the volume cap for such bonds (see S. 2574), S492 [30JA] (see H.R. 5239), H621 [6FE]

———exclude from gross income certain distributions from qualified retirement plans used for mortgage payments (see H.R. 5776), H2224 [10AP]

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

———exclude from gross income the gain from the sale or exchange of certain residences acquired before a certain date (see H.R. 7134), H10130 [26SE]

———prohibit loans from qualified employer plans using revolving credit arrangements and limit number of loans to a participant or beneficiary (see H.R. 6708), H7785 [31JY]

———prohibit use of a credit card or other intermediary to make loans from qualified employer plans and limit the number of loans to participants (see S. 3278), S6936 [17JY]

———provide a credit for certain home purchases (see H.R. 5670), H1888 [1AP] (see H.R. 5974), H3108 [6MY]

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

Transportation: authorize programs and activities to support transportation and housing options that will assist families in reducing transportation costs (see H.R. 6495), H6576 [15JY]

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]

Cloture motions

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

Cost Estimates

Ensure Continued Access to Student Loans Act (H.R. 5715): CBO, E621 [15AP]

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]

Veterans' Benefits Improvement Act (S. 3023), E2051-E2062 [27SE]

Letters

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]

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]

Ensure Continued Access to Student Loans Act: Judith Zaffirini, H2396 [16AP]

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]

Housing and Economic Recovery Act: Jon Corzine and Michael Rounds, National Governors Association, H6850, H6851 [23JY]

Housing-related Government-sponsored enterprises regulation reform: Representative Bachus, Committee on Financial Services (House), H6995 [23JY]

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]

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 automobile industry: Representative Conyers, Committee on the Judiciary (House), H10913 [10DE]

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]

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. 3221, Housing and Economic Recovery Act, S7226 [24JY]

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

Recent major Pennsylvania plant closings and/or layoffs, S9011 [18SE]

States benefiting from higher loan limits, S5797 [19JN]

Messages

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

Motions

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

Press releases

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

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

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: allow active members to terminate or suspend certain service contracts entered into prior to notice of transfer or deployment and penalize violations of interest rate limits, H7250, H7251 [29JY]

———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]

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]

California Reinvestment Coalition: tribute to Honoring Community Heroes award recipients, E2181 [30SE]

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]

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

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

Democratic Party: national agenda, H4158 [20MY]

Dept. of Defense: increase oversight of the management of Government-wide purchase cards, H4786 [22MY]

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 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: 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]

Economy: authorize financial assistance to eligible automobile manufacturers (H.R. 7321), H10870, H10872-H10875, H10908-H10935, H10946, H10947, H10951, H10952 [10DE], E2388 [3JA]

———authorize financial assistance to eligible automobile manufacturers (H.R. 7321), consideration (H. Res. 1534), H10878-H10888 [10DE]

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

———extend certain tax relief provisions, H1612 [12MR], H1636, H1640, H1643, H1676 [13MR], H2273 [15AP], H2360 [16AP], H2954 [1MY], H5669 [19JN]

———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]

———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]

———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: ensure continued availability of access to the Federal student loan program for students and families, H10771 [3OC]

———ensure continued availability of access to the Federal student loan program for students and families (H.R. 5715), H2394-H2399 [16AP], H2456-H2468 [17AP], H2737 [24AP], E680 [22AP]

———ensure continued availability of access to the Federal student loan program for students and families (H.R. 5715), Senate amendments, H2953, H2983-H2987 [1MY]

———ensure continued availability of access to the Federal student loan program for students and families (H.R. 5715), consideration (H. Res. 1107), H2362-H2367 [16AP]

———ensure continued availability of access to the Federal student loan program for students and families (H.R. 5715), corrections in engrossment, H2473 [17AP]

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

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

———permit loan limit increases for undergraduate students and families, H2462 [17AP]

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

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

———temporarily classify medical bill payments as extenuating circumstances which shall not interfere with the ability to receive Parent Loan for Undergraduate Students (PLUS) loans for tuition, H2465, H2466 [17AP]

Fair Credit Reporting Act: correct definition of willful noncompliance relative to violations involving the printing of an expiration date on certain credit and debit card receipts before a certain date (H.R. 4008), H3729-H3732 [13MY], E925 [14MY]

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]

FHA: deny assistance to borrowers based solely on credit scores or any delinquency or default by the mortgagor, H3297 [8MY]

Financial institutions: encourage cooperation between borrowers and lenders to decrease foreclosures, H6478 [15JY]

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

———importance of credit unions, E675 [22AP]

FRS: require 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]

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: 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]

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

———establish a loan program for eligible hospitals to establish residency training programs (H.R. 2583), H602 [6FE], H8681, H8682 [23SE]

———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]

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

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

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

———clarify that State laws and local ordinances on foreclosure and foreclosed properties are not preempted by Federal law, H3296 [8MY]

———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]

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

———minority serving organizations funding for counseling and support, H2865 [30AP]

———modernize the manufactured housing loan insurance program, H3197 [8MY]

———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, H1652 [13MR], H1830, H1868, H1875 [1AP], H1892 [2AP], H1975, H2000 [3AP], H2273 [15AP], H2453, H2469 [17AP], H2865 [30AP], H3056, H3058, H3059 [6MY], H3134, H3181 [7MY], H3195, H3197-H3201, H3204-H3308 [8MY], H4326 [21MY], H5977 [24JN], H6333 [9JY], H6480 [15JY], H6828, H6840, H6854-H7011, H7054, H7055 [23JY], H7062 [24JY], H7332 [30JY], H7857 [9SE], E864 [8MY], E898 [13MY], E921 [14MY], E956 [16MY], E983, E986, E988 [21MY], E1142 [4JN], E1549, E1551 [24JY], E1555, E1556, E1559, E1563, E1564 [25JY], E1581 [29JY], E1602, E1604, E1606 [30JY], E1630 [31JY], E1693 [1AU]

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

———simplify the historic rehabilitation tax credit, H7005 [23JY]

———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]

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]

Mortgages: 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]

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

National Association of Credit Management Southwest: anniversary, E1337 [25JN]

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]

Power resources: provide for a standby loan program for certain coal-to-liquid projects (H.R. 2208), H6211 [8JY], H6238, H6241 [9JY], H6354 [10JY], H6659 [16JY], H6684, H6688, H6694, H6714 [17JY], H6797 [22JY]

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]

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

Small Business Act: extend programs (S. 3029), H4206-H4209 [20MY]

Small Business Investment Act: extend programs (S. 3029), H4206-H4209 [20MY]

Taxation: allow a refundable credit for the purchase of a residence (H.R. 7325), E2360 [10DE]

———exclude discharges of indebtedness on principal residences from gross income (H.R. 3648), H1807 [31MR], H1968 [2AP], H2000 [3AP]

———provide a credit for certain home purchases, H3286, H3287 [8MY]

———provide a credit for certain home purchases (H.R. 5974), E830 [6MY], E986 [21MY], E1693 [1AU]

Transportation: authorize programs and activities to support transportation and housing options that will assist families in reducing transportation costs (H.R. 6495), H6475 [15JY], E1459 [15JY]

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

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]

———provide that claims arising from high cost consumer credit transactions shall be subordinated to all other claims (S. 3259), S9464 [25SE]

Bush, President: evaluation of economic policies, S9368 [24SE]

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]

Connecticut: WorkPlace, Inc., job training program targeted at people facing foreclosure on their homes, S6590 [11JY]

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

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

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

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]

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

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]

———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]

———implement adequate policies and procedures to protect and secure personal information of veterans, S7142 [23JY]

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

Economy: encourage energy efficiency, infrastructure and workforce investment, and homeownership retention, and provide certain business tax relief and incentives (S. 3119), S5594 [12JN]

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

———extend certain tax relief provisions, S1439 [3MR], S1550 [5MR], S2072, S2073 [13MR], S3003 [15AP], S4251-S4253, S4255, S4264 [15MY]

———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 emergency unemployment compensation program and authorize loans to automobile manufacturers and component suppliers (S. 3688), S10602 [17NO]

———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: ensure continued availability of access to the Federal student loan program for students and families (H.R. 5715), S3454 [28AP], S3460 [29AP], S3642-S3644 [30AP], S3678 [1MY]

———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]

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

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

Fair Credit Reporting Act: correct definition of willful noncompliance relative to violations involving the printing of an expiration date on certain credit and debit card receipts before a certain date (H.R. 4008), S4439 [20MY]

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 institutions: 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]

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

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

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

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

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

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

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

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

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

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]

———create a Federal Board of Certification to regulate the secondary mortgage market, S5953 [23JN]

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

———enhance mortgage disclosure requirements with additional safeguards for certain adjustable rate mortgages and loans, S5782 [19JN], S6138 [25JN]

———ensure States with low populations receive a fair share of mortgage revenue bond allocation increases, S2738 [8AP]

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

———modify volume cap for housing bonds, S2603 [4AP]

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

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

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

———provide needed housing reform, S1217-S1220 [27FE], S1342, S1346-S1348, S1358-S1371, S1374-S1376 [28FE], S1393-S1398, S1401-S1409, S1413, S1416 [29FE], S1437-S1440, S1443-S1446 [3MR], S1549, S1550, S1586-S1590 [5MR], S1663, S1687 [6MR], S1728, S1735 [7MR], S1971 [12MR], S2207, S2212, S2218 [31MR], S2254-S2263, S2266-S2275, S2277-S2284 [1AP], S2314-S2319, S2321-S2333, S2336 [2AP], S2367-S2371, S2375-S2396, S2400-S2424 [3AP], S2591-S2610 [4AP], S2619-S2625, S2628-S2632 [7AP], S2710, S2716-S2731, S2733-S2738 [8AP], S2780, S2782-S2790, S2792, S2794, S2797-S2811 [9AP], S2829, S2832, S2836-S2861 [10AP], S3932 [7MY], S5384 [9JN], S5772-S5776, S5781-S5788, S5790, S5791, S5796, S5814-S5819 [19JN], S5921, S5925-S5928 [20JN], S5949, S5952-S5954 [23JN], S5975-S5978, S5980-S5983, S6004, S6082 [24JN], S6101, S6105-S6108, S6112-S6114, S6137-S6143 [25JN], S6185, S6270, S6274 [26JN], S6354-S6356 [7JY], S6494 [9JY], S6512, S6516-S6521, S6524, S6540, S6543, S6547 [10JY], S6585, S6590-S6595 [11JY], S6646 [14JY], S6713 [15JY], S6884 [17JY], S7089, S7111, S7112, S7130, S7131 [23JY], S7217, S7223-S7226, S7248, S7255, S7256, S7268-S7270 [24JY], S7438, S7443, S7448-S7451, S7454, S7456, S7458, S7459, S7468, S7472 [25JY], S7489-S7496, S7498-S7506, S7511, S7513, S7518 [26JY], S7566 [28JY], S7620 [29JY], S7985, S7999 [1AU]

———provide needed housing reform, unanimous-consent agreement, S4243 [15MY]

———provide needed housing reform (S. 2636), S992 [13FE], S993 [14FE], S1183-S1185 [26FE], S1724 [7MR], S8828 [16SE]

———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]

Investments: provide for the penalty-free use of retirement funds for mortgage delinquency relief, S2421 [3AP], S2599, S2600 [4AP], S2625 [7AP], S5952 [23JN], S5988 [24JN]

Mortgages: 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]

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

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

Pennsylvania: impact of foreclosure crisis on plant closings, S9011, S9012 [18SE]

Real estate: 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 and improve the Small Business Investment Company Program (S. 1662), S3342 [24AP]

———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]

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

———transaction fees for credit card purchases, S7470 [25JY]

Small Business Act: extend programs (S. 3029), S4288 [15MY]

Small Business Investment Act: extend programs (S. 3029), S4288 [15MY]

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]

Student loans: 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]

Taxation: 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]

———delay implementation of merchant card transaction reporting requirements until cost of changes to businesses are identified, S5975 [24JN]

———exclude discharges of indebtedness on principal residences from gross income (H.R. 3648), S2326 [2AP]

———provide tax incentives for employers to offer group legal plans that provide a benefit for real estate and foreclosure review, S2602 [4AP], S2725, S2726 [8AP]

———provide that proceeds of qualified mortgage bonds may be used to provide refinancing for subprime loans and provide a temporary increase in the volume cap for such bonds, S721 [6FE], S2738 [8AP]

Truth in Lending Act: enhance disclosure of the terms of home mortgage loans, S2804 [9AP]

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]

Ripple Effect—Why Failure of the Big 3 Is Not an Option: Representative Maloney, H10920 [10DE]

Reports filed

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. 5715, Ensure Continued Access to Student Loans Act: Committee on Rules (House) (H. Res. 1107) (H. Rept. 110-590), H2354 [15AP]

Consideration of H.R. 7321, Auto Industry Financing and Restructuring Act: Committee on Rules (House) (H. Res. 1534) (H. Rept. 110-922), H10975 [10DE]

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]

Ensure Continued Access to Student Loans Act: Committee on Education and Labor (House) (H.R. 5715) (H. Rept. 110-583), H2265 [14AP]

FHA Seller-Financed Downpayment Reform and Risk-Based Pricing Authorization Act: Committee on Financial Services (House) (H.R. 6694) (H. Rept. 110-905), H10699 [2OC]

Government Credit Card Abuse Prevention Act: Committee on Homeland Security and Governmental Affairs (Senate) (S. 789) (S. Rept. 110-437), S8034 [1AU]

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]

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

Physician Workforce Enhancement Act: Committee on Energy and Commerce (House) (H.R. 2583) (H. Rept. 110-872), H9083 [23SE]

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

Statements

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

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

Housing and Economic Recovery Act: Executive Office of the President, H6850 [23JY]

Housing-Related Government-Sponsored Enterprises Regulation Reform: Several Housing Organizations, H6993 [23JY]

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

Summaries

Foreclosure Prevention Act (H.R. 3221): Senate Amendments, H3138 [7MY]

Texts of

H. Res. 1107, consideration of H.R. 5715, Ensure Continued Access to Student Loans Act, H2362 [16AP]

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

H. Res. 1534, consideration of H.R. 7321, Auto Industry Financing and Restructuring Act, H10878 [10DE]

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

H.R. 2583, Physician Workforce Enhancement Act, H8681 [23SE]

H.R. 3221, American Housing Rescue and Foreclosure Prevention Act, H3219-H3282 [8MY]

H.R. 3221, Foreclosure Prevention Act, H3204-H3219 [8MY]

H.R. 3221, Housing and Economic Recovery Act, H6916-H6987 [23JY]

H.R. 4008, Credit and Debit Card Receipt Clarification Act, H3729 [13MY]

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

H.R. 5715, Ensure Continued Access to Student Loans Act, H2460-H2462 [17AP]

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

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

H.R. 7321, Auto Industry Financing and Restructuring Act, H10908-H10912 [10DE]

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. 2636, Foreclosure Prevention Act, S981-S983 [13FE]

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

S. 3029, Small Business Act and Small Business Investment Act programs extension, S4289 [15MY], H4206 [20MY]

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

S. 3259, Consumer Credit Fairness Act, S6652 [14JY]

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

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

S. 3510, prohibit FRS Board of Governors from making funds available at a discount rate to private individuals, partnerships, and corporations, S8954 [17SE]

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

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

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

S. 3688, Unemployment Compensation Extension Act, S10584-S10586 [17NO]

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