CONSUMERS related term(s) Credit; Product Safety

Amendments

Credit: prevent mortgage foreclosures, enhance mortgage credit availability, and amend bankruptcy laws relative to modification of certain mortgages on principal residences (H.R. 1106), H2836 [25FE], H2990, H3001, H3007, H3014, H3016, H3017 [5MR], H3424 [16MR]

———prevent mortgage foreclosures and enhance mortgage credit availability (S. 896), S4944, S4946, S4947, S4980, S4984, S4991, S4992, S4993 [30AP], S5027, S5028, S5029, S5030, S5041 [1MY], S5056 [4MY], S5092, S5094, S5100, S5101, S5109, S5111, S5116, S5117, S5118, S5164, S5166 [5MY], S5175 [6MY], H5763, H5764 [19MY]

———provide for enhanced disclosure under an open end credit plan (H.R. 627), S5333, S5338 [11MY], S5349, S5360, S5361, S5362, S5364, S5379, S5380, S5382, S5383, S5384, S5385, S5386, S5387, S5388, S5389, S5393 [12MY], S5416, S5425, S5426, S5444, S5445, S5446, S5447, S5448 [13MY], S5471, S5475, S5531, S5532, S5533, S5534, S5535, S5536, S5537 [14MY], S5625 [19MY], H5004, H5013, H5016, H5018, H5019, H5021, H5022, H5023, H5025, H5026, H5028, H5029, H5031, H5033, H5034, H5035, H5036 [30AP], H5824 [20MY]

———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. 1728), H5325, H5344, H5350, H5352, H5353, H5354, H5356, H5357, H5358, H5359, H5360, H5361, H5362, H5364, H5369 [7MY]

———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. 1728), consideration (H. Res. 406), H5315 [7MY]

Credit Card Accountability Responsibility and Disclosure (Credit CARD) Act: establish an earlier effective date for various consumer protections (H.R. 3639), H12311, H12312, H12313, H12314, H12316 [4NO]

———establish an earlier effective date for various consumer protections (H.R. 3639), consideration (H. Res. 884), H12299 [4NO]

Dept. of the Treasury: reform the Troubled Asset Relief Program and ensure accountability under such Program (H.R. 384), H345, H355, H357, H359, H361, H363 [15JA], H407, H408, H409, H411 [21JA]

Dept. of Transportation: making supplemental appropriations for voucher program for consumers to trade in a high polluting vehicle and purchase a more fuel efficient vehicle (H.R. 3435), S8776 [4AU], S8874, S8875 [5AU], S8946, S8948, S8950, S8952, S8956 [6AU]

Economy: provide financial regulatory reform, protect consumers and investors, enhance Federal understanding of insurance issues, and regulate the over-the-counter derivatives markets (H.R. 4173), H14650, H14680, H14682, H14709, H14710, H14712, H14714, H14716, H14718, H14721, H14723, H14726, H14734, H14736 [10DE], H14747, H14748, H14750, H14751, H14752, H14757, H14758, H14760, H14762, H14764, H14776 [11DE]

FDA: provide with certain authority to regulate tobacco products (H.R. 1256), S5952, S5953 [2JN], S6051, S6052, S6053, S6054, S6055, S6078, S6101, S6124, S6125, S6126, S6128 [3JN], S6216, S6217, S6218, S6219, S6220, S6226, S6227 [4JN], S6274, S6275, S6278, S6279, S6282, S6284, S6285, S6290, S6295, S6298, S6299, S6302, S6303, S6305, S6310, S6315 [8JN], H4344 [1AP], H6630 [12JN]

Television: move forward the date on which the transition to digital television is to occur (S. 328), S846, S848 [26JA], H584 [27JA]

Analyses

Helping Families Save Their Homes Act (H.R. 1106), H3011-H3013 [5MR]

Articles and editorials

At $4, Everybody Gets Rational, S1054 [29JA]

Bad Credit, H5102 [5MY]

Bank of America Casts Wider Net for Hispanics, S5421 [13MY]

Banks Stepped Up When Chips, Economy Were Down, E1790 [15JY]

Better Way To Aid Banks, H1280 [12FE]

Cash for Clunkers a Lemon, S9066 [7AU]

Cash for Clunkers Could Impact Local Charities (excerpt), S8954 [6AU]

``Cash for Clunkers'' Hurting Charities (excerpt), S8954 [6AU]

``Cash for Clunkers'' Puts the Brakes on Donations (excerpt), S8954 [6AU]

Cash in Old Cars for New Ones, H4131 [31MR]

Charities Fear Pinch From ``Clunkers'' Program (excerpt), S8954 [6AU]

China—Importers Need To Share Blame for Emissions, H3496 [17MR]

Credit Card Industry Aims To Profit From Sterling Payers, H5836 [20MY]

Credit Card Issuers—Buy Something or Else!, H5032 [30AP]

Credit Card Issues—Buy Something or Else!, E876 [2AP]

Credit Card Restrictions Close to Enactment, H5837 [20MY]

Credit Cards Are the Next Credit Crunch, H5006 [30AP]

Digitally Overexposed, E2150 [31JY]

FCC's Heavy Hand, E2520 [14OC]

5.7% of U.S. Households Still Unprepared for the Switch to Digital Television, H587 [27JA]

Fixing the Bankruptcy System, S5484 [14MY]

House To Vote on DTV Delay Bill, but Opposition Remains, H991 [4FE]

Illegal Health Reform, S13724 [22DE]

Leadership and Panics, H417 [21JA]

Lung Cancer Educator Dies After Long Battle, H4314 [1AP]

Malpractice Relief, S13775 [22DE]

Mandatory Insurance Is Unconstitutional, S13724 [22DE]

Morgan Stanley, JPMorgan, Goldman Said To Apply To Repay TARP, H5811 [20MY]

Next Housing Bust, S5055 [4MY]

Obama Calls for an Extreme Makeover of Our Culture—Are the Credit Card Companies Listening?, S5569 [19MY]

Out of the Shadows, H7115 [23JN]

Over the Limit, H5025 [30AP]

Raising the Awareness and Prevention of Lung Cancer, H4314 [1AP]

Sarbox for Housing—How To Restrict Lending to the Poor for Years To Come, H2857 [26FE]

TARP—Frank's Bill Underscores Weaknesses of This Bailout Program, H416 [21JA]

UW-Milwaukee Study Could Realign Climate Change Theory—Scientists Claim Earth Is Undergoing Natural Climate Shift, H3496 [17MR]

Voice for the Consumer, S1052 [29JA], E274 [13FE]

Wanted—Personal Economic Trainers—Apply at Capitol, S1790 [6FE]

White House Affirms Deal on Drug Cost, S10184 [7OC], S12753 [9DE]

Why the Personal Mandate To Buy Health Insurance Is Unprecedented and Unconstitutional, S13725 [22DE]

———(excerpt), S13015 [11DE]

Your E-Health Records, S1427 [3FE]

Bills and resolutions

Antitrust policy: restore rule making it illegal for manufacturers to set a minimum price below which a retailer cannot sell the manufacturer's product (see S. 148), S43 [6JA] (see H.R. 3190), H8024 [13JY]

Aviation: enhance safety (see S. 1193), S6186 [4JN]

———ensure air passengers have access to necessary services while on a grounded air carrier and are not unnecessarily held on a grounded air carrier before or after a flight (see S. 213), S309 [12JA] (see H.R. 624), H442 [21JA]

———make it an unfair or deceptive practice for any air carrier or ticket agent to charge a fee for or accept payment from a passenger on a flight segment for the first piece of checked baggage (see H.R. 4077), H13001 [16NO]

———require air carriers and ticket agents to notify consumers of taxes and fees applicable to airline tickets and prohibit imposition of fuel surcharges that do not correlate to fuel costs (see S. 2823), S12160 [2DE]

Bankruptcy: provide that claims arising from high cost consumer credit transactions shall be subordinated to all other claims (see S. 257), S598 [15JA]

Business and industry: increase corporate responsibility (see S. 2813), S11883 [20NO]

———permit employers to provide contributions and assistance to certain employees who purchase individual health insurance (see H.R. 3822), H11456 [15OC]

———prohibit unfair or deceptive acts or practices relative to gift certificates, store gift cards, and other general use prepaid cards (see S. 710), S3785 [25MR]

———require employees at call centers who initiate or receive telephone calls to disclose physical location of such employees (see H.R. 3621), H9806 [22SE]

———require operators of Internet sites that sell airline tickets to disclose to the purchaser of each ticket the air carrier that operates each segment of the flight (see S. 1283), S6720 [17JN]

———resolve bankruptcy proceedings of Lehman Brothers Holdings Inc., and Lehman Brothers Europe Inc., in an equitable and expeditious process between the U.S. and United Kingdom (see H. Con. Res. 184), H9490 [14SE]

———treat arbitration clauses which are unilaterally imposed on consumers as an unfair and deceptive trade practice and prohibit their use in consumer transactions (see H.R. 991), H1247 [11FE]

China: condemn manufacture and export of unsafe products, disregard for environment, and exploitation of workers and encourage U.S. suspension of importation and purchase of goods (see H. Res. 44), H162 [9JA]

———investigate drywall imports, prohibit further imports, recall hazardous drywall, seek penalties against manufacturers, and provide assistance to homeowners affected by hazardous drywall (see S. Res. 91), S3986 [30MR]

Commission on Measures of Household Economic Security: establish (see S. 2875), S13032 [11DE]

Commodity Exchange Act: bring greater transparency and accountability to commodity markets (see H.R. 977), H1246 [11FE]

———prevent excessive price speculation with respect to energy and agricultural commodities (see S. 447), S2322 [13FE]

Congressional Commission on Financial Accountability and Preparedness: establish (see H.R. 2111), H4838 [27AP]

Conservation of energy: incorporate smart grid capability into Energy Star Program, reduce peak electric demand, reauthorize energy efficiency public information program to include smart grid information (see H.R. 1774), H4128 [30MR]

Consumer Financial Protection Agency: establish (see H.R. 3126), H7836 [8JY]

Consumer Product Safety Improvement Act: exclude secondary sales, repair services, and certain vehicles from the ban on lead in children's products (see S. 608), S3163 [17MR]

———exempt all-terrain vehicles from certain lead prohibitions (see H.R. 1510), H3436 [16MR]

———exempt off-highway vehicles from certain lead prohibitions (see H.R. 1587), H3640 [18MR]

———exempt ordinary books from certain lead prohibitions (see H.R. 1692), H3834 [24MR]

Contracts: establish fair procedures for arbitration clauses (see S. 931), S4891 [29AP] (see H.R. 1020), H1517 [12FE] (see H.R. 1237), H2874 [26FE]

CPSC: clarify and ensure effective implementation of certain children's product safety standards (see H.R. 3533), H9340 [8SE]

———confirm jurisdiction relative to releasing systems on residential window bars and establish a consumer product safety standard ensuring such bars include a quick-release mechanism (see H.R. 418), H161 [9JA]

———ensure effective implementation of children's product safety standards (see H.R. 1046), H1519 [12FE]

———promulgate final consumer product safety rule banning novelty lighters (see S. 723), S3897 [26MR] (see H.R. 2050), H4686 [22AP]

———restore jurisdiction over fixed site amusement park rides (see H.R. 2514), H5890 [20MY]

———study drywall imported from China from 2004 through 2007 (see S. 739), S3986 [30MR] (see H.R. 1977), H4523 [2AP]

Credit: ban abusive credit practices, enhance consumer disclosures and protect underage consumers (see S. 414), S2144 [11FE]

———empower States to set the maximum annual percentage rates applicable to consumer credit transactions (see S. 255), S598 [15JA]

———establish a national consumer credit usury rate (see S. 500), S2558 [26FE] (see H.R. 1608), H3703 [19MR]

———establish additional payday loan disclosure requirements and other protections (see H.R. 1214), H2873 [26FE]

———establish additional payday loan disclosure requirements and preempt certain State laws (see H.R. 1846), H4396 [1AP]

———exclude from consumer credit reports medical debt that has been in collection and has been fully paid or settled (see H.R. 3421), H9205 [30JY]

———exempt certain nonprofit housing organizations from certain licensing requirements for residential mortgage loan originators (see H.R. 4400), H15501 [16DE]

———make credit scores available to consumers once each year free of charge and allow consumers to see the credit score used in connection with any particular lending or credit decision (see H.R. 2374), H5484 [12MY]

———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. 241), S388 [14JA] (see H.R. 527), H324 [14JA]

———preserve consumer choice and access to credit and enhance consumer disclosures (see H.R. 2327), H5398 [7MY]

———prevent mortgage foreclosures, enhance mortgage credit availability, and amend bankruptcy laws relative to modification of certain mortgages on principal residences (see H.R. 1106), H2601 [23FE]

———prevent mortgage foreclosures, enhance mortgage credit availability, and amend bankruptcy laws relative to modification of certain mortgages on principal residences (H.R. 1106), consideration (see H. Res. 190), H2833 [25FE] (see H. Res. 205), H2978 [4MR]

———prevent mortgage foreclosures and enhance mortgage credit availability (see S. 895, 896), S4721 [24AP]

———prevent mortgage foreclosures and enhance mortgage credit availability (S. 896), consideration—same-day consideration (see H. Res. 450), H5711 [18MY]

———prohibit distribution of checks or other negotiable instruments as part of a creditor solicitation to extend credit and limit consumer liability in conjunction with such solicitations (see S. 1595), S8992 [6AU]

———prohibit prepayment penalties in mortgage contracts (see S. 911), S4806 [28AP] (see H.R. 2794), H6537 [10JN]

———prohibit use of consumer credit checks against prospective and current employees for the purpose of making adverse employment decisions (see H.R. 3149), H7946 [9JY]

———prohibit yield spread premiums paid to mortgage brokers for steering borrowers to certain interest rates (see S. 912), S4806 [28AP]

———protect and enhance consumer and business access to credit and urge credit issuers not to cut credit lines or raise interest rates (see H. Res. 553), H6972 [17JN]

———protect consumers from usury (see S. 582), S3073 [12MR] (see H.R. 1640), H3704 [19MR]

———protect from certain practices in connection with the origination of consumer credit transactions secured by the consumer's principal dwelling (see S. 863), S4573 [22AP] (see H.R. 1782), H4128 [30MR]

———protect homebuyers from predatory mortgage lending practices (see H.R. 2108), H4838 [27AP]

———provide a safe harbor for mortgage servicers who engage in specified mortgage loan modifications (see H.R. 788), H875 [2FE]

———provide for enhanced disclosure under an open end credit plan (see S. 131), S42 [6JA] (see S. 235), S388 [14JA] (see H.R. 627), H484 [22JA]

———provide for enhanced disclosure under an open end credit plan (H.R. 627), consideration (see H. Res. 379), H4998 [29AP]

———provide for enhanced disclosure under an open end credit plan (H.R. 627), consideration of Senate amendment (see H. Res. 456), H5790 [19MY]

———reform and provide accountability for mortgage practices, establish licensing and registration requirements for mortgage originators, and provide certain minimum standards for mortgage loans (see H.R. 1728), H4061 [26MR]

———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. 1728), consideration (see H. Res. 400), H5167 [5MY] (see H. Res. 406), H5305 [6MY]

———require creditors who transfer, sell, or convey certain residential mortgage loans to third parties to retain an economic interest in a material portion of the credit risk for any such loan (see H.R. 1731), H4061 [26MR]

———require disclosure of terms of rental-purchase agreements (see S. 738), S3986 [30MR] (see H.R. 1744), H4062 [26MR]

———require mortgage servicers of single family homes to notify mortgagors of possible eligibility for Federal mortgage assistance (see H.R. 2181), H4999 [29AP]

Credit Card Accountability Responsibility and Disclosure (Credit CARD) Act: establish an earlier effective date for various consumer protections (see S. 1833), S10635 [21OC] (see H.R. 3639), H9961 [24SE]

———establish an earlier effective date for various consumer protections (H.R. 3639), consideration (see H. Res. 884), H12287 [3NO]

———provide earlier effective date (see H.R. 3601), H9729 [17SE]

Credit cards: establish a moratorium on interest rate increases (see S. 1927), S10735 [26OC]

———establish a national usury rate for consumer accounts under open end consumer credit plans (see H.R. 4300), H14826 [11DE]

———establish a safety star rating system for the benefit of consumers (see S. 900), S4755 [27AP]

———establish limits on certain fees for accounts under open end consumer credit plans (see H.R. 3977), H12141 [29OC]

———prevent unfair practices in accounts (see H.R. 2007), H4580 [21AP]

———prohibit issuers from taking unfair advantage of college students and their parents (see S. 165), S169 [7JA]

———prohibit universal defaults on accounts (see S. 399), S2027 [9FE] (see H.R. 1637), H3704 [19MR]

———protect consumers, and especially young consumers, from skyrocketing debt, unfair practices, and deceptive offers (see S. 392), S1864 [6FE]

———provide safeguards for holders whose accounts were, or are about to be, terminated for inactivity (see H.R. 1882), H4519 [2AP]

Crime: enhance investigation and prosecution of mortgage fraud and financial institution fraud (see H.R. 1748), H4062 [26MR]

———increase penalties for violations of securities protections that involve targeting senior citizens (see S. 1659), S9264 [10SE] (see H.R. 3550), H9441 [10SE]

———prevent, promote awareness of, and educate the public on mail, telemarketing, and Internet fraud targeting senior citizens (see H.R. 3040), H7445 [25JN]

Dept. of Commerce: establish Office of Imported and Domestic Product Safety and the Product Safety Coordinating Council (see S. 893), S4669 [23AP]

Dept. of Energy: establish a Best-in-Class Appliances Deployment Program (see H.R. 1786), H4128 [30MR]

———provide a voucher or coupon to a consumer who trades in an inefficient vehicle and purchases a more efficient vehicle (see S. 247), S388 [14JA] (see H.R. 520), H324 [14JA]

———provide a voucher or coupon to a consumer who trades in an inefficient vehicle and purchases a more efficient vehicle or motorcycle (see S. 1248), S6542 [11JN]

Dept. of HHS: develop a national model disclosure form to assist consumers in purchasing long-term care insurance (see H.R. 4078), H13001 [16NO]

———ensure patient choice in pharmacies by regulating pharmacy benefit managers and improving access to prescription drugs for certain individuals (see H.R. 4199), H13519 [3DE]

———establish Federal standards for health insurance forms and provide transparency and accountability in the group and individual health insurance markets (see S. 1050), S5501 [14MY]

———establish Office of Health Plan Management to administer the Consumer Choice Health Plan to provide an affordable and accountable public option for consumers (see S. 1278), S6719 [17JN]

———provide for public disclosure of charges for certain hospital and ambulatory surgical center services and drugs (see H.R. 2566), H6009 [21MY]

Dept. of HUD: permit use of funds from the Community Development Block Grant Program to be used to remediate damage from installation of tainted drywall (see S. 2850), S12708 [8DE]

Dept. of Justice: establish pilot programs that provide for emergency crisis response teams to combat elder abuse (see H.R. 973), H1158 [10FE]

Dept. of the Treasury: develop a strategy and timeline for repayment of assistance received by financial institutions under the Troubled Asset Relief Program (see H.R. 2832), H6617 [11JN]

———establish a program to reunite bondholders with matured unredeemed U.S. savings bonds (see S. 827), S4311 [2AP] (see H.R. 4198), H13519 [3DE]

———establish centers to support research, development and planning, implementation, and evaluation of effective programs in financial literacy education for young adults and families (see H.R. 3147), H7945 [9JY]

———expand authority and responsibilities of the Congressional Oversight Panel of the Troubled Asset Relief Program (see S. 400), S2027 [9FE]

———extend oversight and accountability of Troubled Asset Relief Program assistance to private entities, impose conditions on recipients, protect taxpayers, and investigate financial crisis (see S. 195), S256 [9JA]

———halt purchase of luxury jet by Citigroup Inc., and require Troubled Asset Relief Program recipients to assist homeowners and small business and limit executive compensation and perks (see H. Res. 94), H602 [27JA]

———impose transfer tax on certain securities exchanges in order to recoup the net cost of the Troubled Asset Relief Program (see H.R. 1068), H1604 [13FE]

———limit excessive and luxury expenses by Troubled Asset Relief Program assistance recipients (see H.R. 979), H1246 [11FE]

———provide for additional monitoring and accountability of the Troubled Asset Relief Program (see S. 910), S4806 [28AP] (see H.R. 1242), H2886 [2MR]

———provide for licensing of Internet poker and other online skill games, establish consumer protections, and enforce the tax code (see S. 1597), S8992 [6AU]

———provide subpoena authority to the Congressional Oversight Panel of the Troubled Asset Relief Program (see S. 836), S4445 [20AP]

———reallocate a portion of the Troubled Asset Relief Program to increase certain lending (see S. 2855), S12804 [9DE]

———reform the Troubled Asset Relief Program and ensure accountability under such Program (see H.R. 384), H159 [9JA]

———reform the Troubled Asset Relief Program and ensure accountability under such Program (H.R. 384), consideration (see H. Res. 53), H194 [13JA] (see H. Res. 62), H323 [14JA]

———reform the Troubled Asset Relief Program by establishing the Family Foreclosure Rescue Corp., and purchase and insure home mortgage loans (see H.R. 472), H194 [13JA]

———require institutions receiving assistance under the Troubled Asset Relief Program to limit annual percentage rate of interest on consumer credit card accounts (see H.R. 1610), H3703 [19MR]

———terminate authority under the Troubled Asset Relief Program (see H.R. 4342), H15499 [16DE]

———use amounts made available under the Troubled Asset Relief Program for relief for homeowners and affordable rental housing (see H.R. 3766), H11165 [8OC]

Dept. of Transportation: enhance airline passenger protection when a rule to require airline emergency contingency plans is issued (see H.R. 967), H1158 [10FE]

———establish voucher program for consumers to trade in a high polluting vehicle and purchase a more fuel efficient vehicle (see S. 1135), S5819 [21MY] (see S. 1200), S6255 [8JN] (see H.R. 1550), H3525 [17MR] (see H.R. 2640), H6012 [21MY] (see H.R. 2751), H6305 [8JN]

———making supplemental appropriations for voucher program for consumers to trade in a high polluting vehicle and purchase a more fuel efficient vehicle (see H.R. 3435), H9275 [31JY]

———require certain air carriers of foreign air transportation to disclose the nature and source of delays and cancellations experienced by air travelers (see H.R. 966), H1158 [10FE]

Diseases: improve National Program of Cancer Registries through expansion of data collection and allowing data sharing for public health objectives, while preserving patient confidentiality (see S. 792), S4310 [2AP]

Drug Price Competition and Patent Term Restoration Act: anniversary (see S. Res. 287), S9840 [24SE]

Drugs: prohibit the manufacture, marketing, sale, or shipment of products designed to assist in defrauding a drug test (see H.R. 858), H1041 [4FE]

Ecology and environment: require return to the American people of all proceeds raised under any Federal climate change legislation (see H.R. 2757), H6306 [8JN]

Economy: protect homeowners and consumers by reducing foreclosures, ensuring availability of credit for homeowners, businesses, and consumers, and reforming the financial regulatory system (see S. 3), S39 [6JA]

———provide financial regulatory reform, protect consumers and investors, enhance Federal understanding of insurance issues, and regulate the over-the-counter derivatives markets (see H.R. 4173), H13465 [2DE]

———provide financial regulatory reform, protect consumers and investors, enhance Federal understanding of insurance issues, and regulate the over-the-counter derivatives markets (H.R. 4173), consideration (see H. Res. 956), H13627 (see H. Res. 956), H14370 [8DE] (see H. Res. 964), H14742 [10DE]

———provide financial regulatory reform, protect consumers and investors, enhance understanding of insurance issues, and regulate over-the-counter derivatives markets (H.R. 4173), consideration—same-day consideration (see H. Res. 962), H14445 [9DE]

———reform the financial regulatory system of the U.S. (see H.R. 3310), H8707 [23JY]

Education: provide grants to promote financial and economic literacy (see S. 638), S3550 [19MR] (see H.R. 1645), H3704 [19MR]

Electric power: promote energy independence and self-sufficiency through net metering by certain small electric energy generation systems (see H.R. 2895), H6903 [16JN]

———require electric utilities to notify electric consumers of the cost of emission allowances associated with the electricity delivered to such consumers (see H.R. 2353), H5483 [12MY]

Energy Independence Month: observance (see H. Res. 318), H4397 [1AP]

Energy Policy and Conservation Act: improve appliance standards (see S. 598), S3113 [16MR]

EPA: establish a product carbon disclosure program to facilitate carbon content labeling (see H.R. 3543), H9396 [9SE]

Fair Credit Reporting Act: amend requirements on information contained in consumer reports (see H.R. 1486), H3400 [12MR]

———provide an exclusion from Red Flag Guidelines for certain small businesses (see H.R. 3763), H11165 [8OC]

FBI: authorize additional appropriations to enhance ability to stop mortgage fraud (see H.R. 78), H30 [6JA]

FCC: establish broadband policy and conduct public broadband summits to assess competition, consumer protection, and consumer choice issues relating to broadband Internet access services (see H.R. 3458), H9276 [31JY]

———prescribe a standard to preclude commercials from being broadcast at louder volumes than the program material they accompany (see S. 2847), S12708 [8DE] (see H.R. 1084), H1605 [13FE]

———prohibit from further regulating the Internet (see S. 1836), S10700 [22OC] (see H.R. 3924), H11790 [26OC]

FDA: improve capacity to prevent, detect, and respond to food safety problems and the safety of imported food (see S. 510), S2691 [3MR]

———provide with certain authority to regulate tobacco products (see S. 982), S5128 [5MY] (see H.R. 1256), H2923 [3MR]

———provide with certain authority to regulate tobacco products (H.R. 1256), consideration (see H. Res. 307), H4249 [31MR]

———provide with certain authority to regulate tobacco products (H.R. 1256), consideration of Senate amendment (see H. Res. 532), H6616 [11JN]

———use consumer information maintained by retailers to improve recalls of food (see H.R. 1907), H4520 [2AP]

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 H.R. 1455), H3399 [12MR]

Federal Food, Drug, and Cosmetic Act: preserve ability to file State product liability lawsuits relative to defective medical devices (see S. 540), S2828 [5MR] (see H.R. 1346), H3054 [5MR]

———prevent certain delays by pharmaceutical companies in allowing introduction of generic drugs (see S. 1778), S10434 [14OC]

———require manufacturers of bottled water to submit annual reports (see S. 2848), S12708 [8DE]

Financial institutions: enhance availability of services, update community reinvestment requirements, and ensure such requirements keep pace as service providers become affiliates (see H.R. 1479), H3400 [12MR]

———establish a fair order of posting checks and deposits to prevent unjust enrichment from fees that accrue only by virtue of the order used by the institution for such postings (see H.R. 1488), H3400 [12MR]

———establish a small dollar loan-loss guarantee fund that institutions could access in order to mitigate risk associated with such loans (see S. 2824), S12160 [2DE]

———implement system requiring each financial institution to report its financial condition to the public (see H.R. 2727), H6264 [4JN]

———protect innocent parties from certain fees imposed by depository institutions for dishonored checks (see H.R. 1366), H3055 [5MR]

———provide exception from requirement for annual privacy notices for financial institutions which do not share personal information with affiliates (see H.R. 3506), H9278 [31JY]

———provide greater access to credit for the underbanked, the unbanked, and consumers with low credit scores through the establishment of bridging bank depository institutions (see H.R. 3171), H8008 [10JY]

———require notice to consumers before any fee may be imposed in connection with any transaction for any overdraft protection service (see H.R. 1487), H3400 [12MR]

———restore certain provisions of law to separate investment banking from commercial banking (see H.R. 4375, 4377), H15500 [16DE]

———sunset Federal laws and regulations that deny consumers the opportunity to make certain bank account decisions and what type of information they receive from their banks (see H.R. 1419), H3145 [10MR]

Financial literacy: provide incentives to encourage financial institutions and small businesses to provide continuing financial education to customers, borrowers, and employees (see H.R. 767), H778 [28JA]

———require financial literacy counseling for borrowers (see H.R. 1325), H3053 [5MR]

Financial Product Safety Commission: establish (see S. 566), S2965 [10MR] (see H.R. 1705), H4025 [25MR]

Financial Services Systemic Risk Oversight Council: establish (see S. 2756), S11290 [9NO]

Fish and fishing: establish a program to strengthen activities ensuring that seafood sold or offered for sale to the public is fit for human consumption (see H.R. 1370), H3055 [5MR]

Food: amend inspection laws to notify consumers of products produced from crops, livestock, or poultry raised on sewage sludge-treated land (see H.R. 185), H34 [6JA]

———ensure safety (see H.R. 999), H1247 [11FE] (see H.R. 1332), H3053 [5MR]

———ensure safety of imported food (see S. 429), S2229 [12FE] (see H.R. 2800), H6537 [10JN]

———extend food labeling requirements to enable customers to make informed choices about nutritional content of standard menu items in large chain restaurants (see S. 1048), S5501 [14MY] (see H.R. 2426), H5665 [14MY]

———include freshness dates on food labeling (see H.R. 2087), H4732 [23AP]

———provide for enhanced foodborne illness surveillance and food safety capacity and establish regional food safety centers of excellence (see S. 1269), S6650 [16JN]

———require foods containing certain ingredients derived from meat, poultry, or other animal products to bear labeling that states that fact and the names of such ingredients (see H.R. 2086), H4732 [23AP]

Food industry: require processors of food products to certify that the processed food products are not adulterated (see S. 2819), S12008 [30NO]

Foreign trade: require foreign manufacturers of products imported into the U.S. to establish registered agents in the U.S. who are authorized to accept service of process against such manufacturers (see S. 1606), S8992 [6AU]

FTC: authorize appropriations for certain technical assistance activities (see H.R. 3686), H10408 [30SE]

———conduct rulemaking relative to mortgage foreclosure rescue and loan modification services (see H.R. 2666), H6074 [2JN]

———establish rules to prohibit unfair or deceptive acts or practices relative to the provision of funeral services (see H.R. 3655), H9998 [25SE]

———expedite rulemakings concerning consumer credit or debt and examine and promulgate rules relative to debt settlement and automobile sales (see H.R. 2309), H5398 [7MY]

———explicitly prohibit the sending of text messages containing an unsolicited advertisement to a cellular telephone number listed on the ``do-not-call'' registry (see H.R. 1391), H3104 [9MR]

———issue new rules preventing telemarketing firms from calling during certain hours (see H.R. 522), H324 [14JA]

———prescribe rules to protect consumers from unfair and deceptive acts and practices in connection with primary and secondary ticket sales (see H.R. 2669), H6075 [2JN]

———review volume usage service plans of major broadband Internet service providers to ensure that such plans are fairly based on cost (see H.R. 2902), H6903 [16JN]

———revise ``do-not-call'' registry regulations to prohibit politically-oriented recorded message telephone calls (see H.R. 116), H32 [6JA]

Gambling: provide for Dept. of the Treasury licensing of Internet gambling, consumer protections, and enforcement of the tax code (see H.R. 2267), H5306 [6MY]

GAO: enhance oversight authority relative to Troubled Asset Relief Program expenditures (see S. 340), S994 [28JA] (see S. 521), S2691 [3MR] (see H.R. 1650), H3705 [19MR]

Government: require establishment of customer service standards for Federal agencies (see H.R. 315), H89 [8JA]

Hazardous substances: enhance public awareness of potential health effects posed by mercury (see H. Res. 648), H8100 [14JY]

———ensure uniform Federal scheme of regulation of restrictions for use of certain substances in electrical products and equipment in interstate and foreign commerce (see H.R. 2420), H5664 [14MY]

———prohibit, as a banned hazardous substance, certain household dishwashing detergent containing phosphorus (see H.R. 2775), H6414 [9JN]

———prohibit sale of household dishwashing detergent containing high levels of phosphorus (see S. 675), S3657 [24MR] (see H.R. 3946), H11868 [27OC]

Health: ensure access to affordable and quality health care without exacerbating the Federal budget or contributing to market inflation while providing greater choices for consumers (see H. Res. 621), H7946 [9JY]

———ensure health care reform includes an option to establish a federally-backed insurance pool to create options for consumers (see S. Res. 156), S5820 [21MY]

———ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers (see S. 1681), S9554 [17SE] (see H.R. 3596), H9729 [17SE]

———ensure the FTC bears the burden of proof in false advertising cases involving dietary supplements and dietary ingredients (see H.R. 3394), H9055 [29JY]

———improve medical justice system by encouraging prompt and fair resolution of disputes, fostering alternatives to litigation, and combating defensive medicine (see H.R. 4039), H12586 [6NO]

———include consumer protections in health care reform legislation (see S. Con. Res. 32), S7071 [25JN]

———make the provision of technical services for medical imaging examinations and radiation therapy treatments safer, more accurate, and less costly (see H.R. 3652), H9998 [25SE]

———protect privacy of patients and physicians relative to electronic health records (see H.R. 2630), H6012 [21MY]

———protect the American people's ability to make their own health care decisions by ensuring the Federal Government shall not force any American to purchase health insurance (see H.R. 2629), H6012 [21MY]

———require reinstatement upon payment of all premiums due of group or individual health insurance coverage terminated by reason of nonpayment of premiums (see H.R. 3584), H9670 [16SE]

———review claims about effects of foods and dietary supplements on health-related conditions and diseases (see H.R. 3395), H9055 [29JY]

Health care facilities: require that agreements to arbitrate nursing home disputes be made after the dispute has arisen (see S. 512), S2691 [3MR]

Insurance: develop a model disclosure form to assist consumers in purchasing long-term care insurance (see S. 1636), S8993 [6AU]

———establish that insurance documents issued to the public must be written clearly (see H.R. 3051), H7445 [25JN]

———improve access to passenger vehicle loss data held by insurers (see S. 164), S169 [7JA] (see S. 202), S308 [12JA]

———improve consumer protections for purchasers of long-term care insurance (see S. 1177), S6030 [3JN]

———prohibit insurers from canceling or refusing to renew homeowners insurance policies because of the presence of certain types of drywall in the home (see H.R. 4094), H13068 [17NO]

———provide for cooperative governing of individual health insurance coverage offered in interstate commerce (see S. 1459), S7639 [16JY] (see H.R. 3217), H8099 [14JY]

———regulate federally chartered or licensed insurers, agencies, and producers to ensure their stability and financial integrity and to protect policyholders and consumers (see H.R. 1880), H4519 [2AP]

———require group health plans and issuers of health insurance coverage to provide coverage for second opinions (see H.R. 2457), H5711 [18MY]

———require that limitations and restrictions on coverage under group health plans be timely disclosed to plan sponsors and clearly communicated to plan participants and beneficiaries (see H.R. 1253), H2923 [3MR]

Interstate compacts: allow establishment for the purpose of expanding health insurance options (see H.R. 3824), H11457 [15OC]

Investments: protect rights of public shareholders of mutual holding companies by promoting fair corporate governance procedures when considering management or employee stock benefit plans (see H.R. 3291), H8585 [22JY]

Labeling: require that household cleaning products and similar products bear labels that state completely and accurately all of the ingredients of such products (see S. 1697), S9733 [23SE]

Medicaid: increase price transparency of hospital information and provide for additional research on consumer information on charges and out-of-pocket costs (see H.R. 2249), H5168 [5MY]

Medicare: establish shared decision making standards and requirements and a pilot program for the implementation of shared decision making (see S. 1133), S5819 [21MY] (see H.R. 2580), H6010 [21MY]

———limit prescription drug program premium increases to no more than Social Security cost-of-living adjustment and require Dept. of HHS to negotiate lower prescription drug prices (see H.R. 1832), H4250 [31MR]

Medicare/Medicaid: improve transparency of information on nursing and skilled nursing facilities and clarify and improve enforcement of requirements on such facilities (see S. 647), S3550 [19MR]

———provide the authorized representative of a deceased beneficiary full access to information with respect to the deceased beneficiary's benefits (see S. 1680), S9554 [17SE]

Money: repeal legal tender laws, prohibit taxation on certain coins and bullion, and repeal superfluous sections related to coinage (see H.R. 4248), H14445 [9DE]

Motor vehicles: ensure availability of dual-fueled automobiles and light duty trucks and require major fuel distributors to install blender pumps in increasing numbers (see S. 1627), S8993 [6AU]

———establish a new automobile voucher program (see H.R. 1606), H3702 [19MR]

———protect consumers from discriminatory State taxes on motor vehicle rentals (see H.R. 4175), H13466 [2DE]

———protect the rights of consumers to diagnose, service, maintain, and repair their motor vehicles (see H.R. 2057), H4687 [22AP]

———require a large majority of automobiles manufactured or sold in the U.S. to operate on fuel mixtures containing 85 percent ethanol or methanol, or biodiesel (see S. 835), S4445 [20AP] (see H.R. 1476), H3400 [12MR]

———require advertising to display information regarding fuel consumption and fuel cost (see H.R. 818), H920 [3FE]

National Auctioneers Day: designate (see S. Res. 86), S3898 [26MR]

National Consumer Cooperative Bank: treat the nonprofit corporation affiliate as a community development financial institution (see S. 1068), S5614 [19MY] (see H.R. 1674), H3748 [23MR]

National Consumer Protection Week: support goals and ideals (see H. Res. 179), H2602 [23FE]

National Credit Union Administration: increase borrowing authority, establish an insurance fund restoration plan period, and assess costs of corporate credit union stabilization on an anti-cyclical basis (see H.R. 2351), H5483 [12MY]

National Cybersecurity Awareness Month: support goals and ideals (see S. Res. 285), S9840 [24SE] (see H. Res. 797), H10519 [6OC]

National Highway Traffic Safety Administration: require disclosure of information on the fair market value and safety of damaged motor vehicles (see H.R. 1257), H2923 [3MR]

National Home Mortgage and Loan Performance Registry: establish (see H.R. 3195), H8099 [14JY]

National Information and Referral Services Day: designate (see H. Res. 187), H2632 [24FE] (see H. Res. 198), H2874 [26FE]

National Travel and Tourism Week: designate (see S. Res. 147), S5372 [12MY] (see H. Con. Res. 105), H4733 [23AP]

Natural gas: modify certain laws relative to enforcement and judicial review and modify procedures for proposing changes in natural gas rates (see S. 672), S3657 [24MR]

Petroleum: reduce price of gasoline through offshore drilling, increased construction and investment in refineries, Federal fuel tax suspension, and free trade promotion (see H.R. 2631), H6012 [21MY]

Pharmaceuticals: importation of prescription drugs (see S. 80), S41 [6JA] (see S. 525), S2766 [4MR] (see S. 1232), S6452 [10JN] (see H.R. 1298), H2978 [4MR]

———prohibit brand name drug companies from compensating generic drug companies to delay the entry of a generic drug into the market (see S. 369), S1431 [3FE] (see H.R. 1706), H4025 [25MR]

———provide tax credit to retirement age individuals, remove barriers to importation, and prohibit certain regulation of Internet sites relative to prescription drugs (see H.R. 163), H34 [6JA]

Power resources: improve economy and security of the U.S. by reducing dependence on foreign and unsustainable energy sources and the risks of global warming (see S. 5), S39 [6JA]

———promote energy security through investment in renewable and alternative energy and authorize appropriations for research and development of fungible fuels (see H.R. 3909), H11712 [22OC]

———protect from price-gouging of gasoline and other fuels (see H.R. 2129), H4839 [27AP]

———require national energy policy to expand use of renewable and alternative sources, increase refining capacity, promote conservation and efficiency, and expand research and development (see H. Res. 29), H71 [7JA]

———secure unrestricted reliable energy for American consumption and transmission (see H.R. 2539), H6008 [21MY]

———use tradable greenhouse gas emission allowances to assist home heating consumers in reducing costs through programs to deliver cost-effective efficiency programs and other assistance (see H.R. 2371), H5484 [12MY]

Privacy: establish additional reporting requirements to enhance the detection of identity theft (see H.R. 123), H32 [6JA]

———prevent identity theft, ensure privacy, and enhance penalties, law enforcement, and protections against security breaches, fraudulent access, and misuse of personally identifiable information (see S. 1490), S7868 [22JY]

———protect commercial and government data from data breaches (see H. Con. Res. 193), H10456 [1OC]

———protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information and require data breach notification (see H.R. 2221), H5061 [30AP]

Product safety: ban use of bisphenol A in food and beverage containers (see S. 593), S3074 [12MR] (see H.R. 1523), H3437 [16MR]

———establish a comprehensive process to inform consumers about food and product recalls (see H.R. 3076), H7703 [26JN]

———establish a conditional stay of the ban on lead in children's products (see S. 389), S1677 [5FE]

———prohibit manufacture, sale, or distribution in commerce of any consumer product containing dimethyl fumarate (see H.R. 3080), H7703 [26JN]

———prohibit manufacture, sale, or distribution in commerce of children's food and beverage containers composed of bisphenol A (see S. 753), S4063 [31MR]

———prohibit the sale of kitchen ranges or ovens which do not include designs or devices which comply with an applicable consensus product safety standard intended to prevent the product from tipping (see H.R. 1049), H1519 [12FE]

———require a warning on label of food containers composed, in whole or in part, of bisphenol A or could release bisphenol A into food (see H.R. 4341), H15499 [16DE]

———require household cleaning products and similar products bear a label that contains a complete and accurate list of ingredients (see H.R. 3057), H7445 [25JN]

Real estate: establish programs to provide counseling to homebuyers regarding voluntary home inspections and train counselors to provide such counseling (see H.R. 2130), H4839 [27AP]

———prevent foreclosure of home mortgages and increase availability of affordable new mortgages and affordable refinancing of mortgages held by Fannie Mae and Freddie Mac (see H.R. 2588), H6010 [21MY]

———require certain mortgagees to make loan modifications, establish a grant program for State and local government mediation programs, and create databases on foreclosures (see S. 1731), S9982 [30SE]

Safe Drinking Water Act: reauthorize provision of technical assistance to small public water systems (see H.R. 2206), H5061 [30AP]

SBA: improve and extend certain disaster assistance and hurricane relief programs and provide assistance to homeowners affected by defective drywall imported from China (see S. 2731), S11205 [5NO]

———provide education and resources to small businesses to protect themselves from collection of identifying information of individuals by false, fraudulent, or deceptive means (phishing) (see H.R. 2862), H6743 [12JN]

SEC: establish an Investor Advisory Committee (see H.R. 3318), H8707 [23JY]

———provide with additional authorities to protect investors from security law violations (see H.R. 3817), H11456 [15OC]

Senior citizens: ensure adequate public-private infrastructure and resolve to prevent, detect, treat, intervene in, and prosecute elder abuse, neglect, and exploitation (see S. 795), S4310 [2AP] (see H.R. 2006), H4580 [21AP]

———establish a consumer price index for elderly consumers to compute cost-of-living increases for Social Security (see H.R. 2429), H5665 [14MY]

———establish a consumer price index for elderly consumers to compute cost-of-living increases for Social Security and Medicare benefits (see H.R. 2365), H5484 [12MY]

———establish Consumer Price Index for Elderly Consumers to compute cost-of-living increases for certain Social Security benefits (see H.R. 4193), H13519 [3DE]

———establish regional consumer price indices to compute cost-of-living increases for Social Security and Medicare benefits (see H.R. 1371), H3055 [5MR]

———prevent abuse and exploitation of older individuals (see H.R. 1374), H3077 [6MR]

———protect seniors from elder abuse by improving prosecution, law enforcement, and assistance to victims (see S. 1821), S10635 [21OC] (see H.R. 448), H162 [9JA]

———provide greater health care freedom (see H.R. 164), H34 [6JA]

Social Security: apply a consistent premium for all Medicare beneficiaries in a budget neutral manner, provide economic recovery payments to recipients, and assess need for a consumer price index for elderly consumers (see S. 2926), S13883 [23DE]

———report on access to primary care and efforts to avoid displacement of private coverage under the State Children's Health Insurance Program and urge use of surveys to measure physician access (see H.R. 298), H88 [8JA]

Taxation: allow deductions for interest payments on car loans and sales and excise taxes on certain motor vehicle purchases (see S. 333), S894 [27JA] (see H.R. 159), H34 [6JA]

———allow individuals and businesses a temporary credit against income tax for the purchase of certain vehicles (see H.R. 550), H379 [15JA]

———allow long-term care insurance to be offered under cafeteria plans and flexible spending arrangements and provide additional consumer protections for long-term care insurance (see S. 702), S3785 [25MR] (see H.R. 2096), H4733 [23AP]

———deny any deduction for advertising and marketing directed at children to promote the consumption of food at fast food restaurants or food of poor nutritional quality (see H.R. 4310), H14980 [15DE]

———deny any deduction for direct-to-consumer advertisements of prescription drugs (see S. 2842), S12618 [7DE] (see S. 2873), S13032 [11DE] (see H.R. 2966), H7084 [19JN]

———encourage individuals to purchase building products and home furnishings (see H.R. 3382), H9055 [29JY]

———ensure that all taxpayers have the ability to deduct State and local general sales taxes (see H.R. 379), H159 [9JA]

———exclude from gross income remediation payments for hazardous drywall (see H.R. 4362), H15500 [16DE]

———expand availability of IRS Taxpayer Assistance Centers (see H.R. 267), H70 [7JA]

———extend deduction for State and local sales taxes (see H.R. 2432, 2433), H5665 [14MY]

———impose a retail tax on single-use carryout bags (see H.R. 2091), H4733 [23AP]

———impose windfall profit tax on oil and natural gas and appropriate the proceeds for LIHEAP (see H.R. 1482), H3400 [12MR]

———make permanent the deduction of State and local general sales taxes (see S. 23), S168 [7JA] (see S. 35), S40 [6JA] (see H.R. 16), H28 [6JA]

———make permanent the moratorium on Internet access taxation and multiple and discriminatory taxes on electronic commerce (see S. 43), S40 [6JA] (see H.R. 1560), H3526 [17MR]

———modify and extend the credit for alternative motor vehicles (see S. 209), S308 [12JA]

———provide a credit for the purchase of new motor vehicles (see H.R. 2069), H4732 [23AP]

———provide a credit for the State and local sales taxes paid on the purchase of an automobile (see H.R. 100), H31 [6JA]

———provide additional protections for recipients of the earned income tax credit (see S. 585), S3073 [12MR]

———provide consumer rebates for purchases of certain new passenger motor vehicles (see H.R. 1808), H4249 [31MR]

———provide incentives and fees for increasing motor vehicle fuel economy (see S. 1620), S8993 [6AU]

———provide incentives to consumers and lenders for the purchase of a passenger vehicle (see H.R. 385), H159 [9JA]

———repeal excise tax on telephone use and other communications services (see S. 47), S40 (see S. 71), S41 [6JA] (see H.R. 2203), H5060 [30AP] (see H.R. 3011), H7248 [24JN]

Telephones: facilitate number portability in order to increase consumer choice of voice service provider (see H.R. 2357), H5483 [12MY]

———prohibit deceptive altering or disguising of caller identification on outbound telephone calls (see S. 30), S169 [7JA] (see H.R. 1110), H2601 [23FE] (see H.R. 1258), H2923 [3MR]

———require accurate and reasonable disclosure of the terms and conditions of prepaid telephone calling cards and services (see S. 562), S2965 [10MR] (see H.R. 3993), H12287 [3NO]

———require cell phone early termination fees to be pro-rated over the term of a subscriber's contract (see S. 2825), S12321 [3DE]

Television: ensure access to basic broadcast television after the digital television transition (see S. 25), S169 [7JA] (see H.R. 2867), H6805 [15JN]

———expand satellite carriage of local television signals (see H.R. 927), H1080 [9FE]

———mandate satellite carriage of qualified noncommercial educational television stations (see H.R. 1155), H2631 [24FE]

———move forward the date on which the transition to digital television is to occur (see S. 328), S826 [26JA] (see S. 352), S1057 [29JA]

———move forward the date on which the transition to digital television is to occur (S. 352), consideration (see H. Res. 108), H919 [3FE]

———move forward the date on which the transition to digital television is to occur and improve the digital-to-analog converter box program (see H.R. 681), H525 [26JA]

———permit satellite carriers to retransmit signals of certain noncommercial, educational television stations outside their local markets (see H.R. 3498), H9278 [31JY]

———provide a coupon program for television antennas (see H.R. 2827), H6617 [11JN]

———provide additional coupons for digital-to-analog converter box program and expedite delivery of coupons under such program (see H.R. 661), H492 [23JA]

———provide certain rural counties with the ability to receive television broadcast signals of their choice (see S. 771), S4172 [1AP] (see H.R. 1860), H4396 [1AP]

———provide consumers with information about the transition to digital television and additional funds for the converter box coupon program (see H.R. 299), H88 [8JA]

———provide for carriage and display of public, educational, and government channels in a manner consistent with commercial channels (see H.R. 3745), H11110 [7OC]

———reauthorize, reform, and modernize satellite statutory license and conform satellite and cable statutory licenses to digital transmissions (see S. 1670), S9371 [15SE] (see H.R. 3570), H9548 [15SE]

Trademark Act: allow civil actions against persons who use trademarks that are misleading as to the origin of goods in certain cases (see H.R. 3499), H9278 [31JY]

Transportation: prevent imposition of unreasonable transportation terminal fees (see S. 1764), S10318 [8OC]

Travel and tourism: require operators of international travel websites to provide information to consumers on potential health risks associated with overseas vacation destinations marketed on the website (see H.R. 3099), H7704 [26JN]

Truth in Lending Act: clarify that any delay in changes to terms applies only to increases, not decreases (see H.R. 4002), H12287 [3NO]

———establish additional protections for consumers with regard to payday loans (see H.R. 2563), H6009 [21MY]

———establish fair and transparent practices related to marketing and provision of overdraft coverage programs at depository institutions (see S. 1799), S10520 [19OC] (see H.R. 3904), H11711 [22OC]

———extend protections to overdraft protection programs, require consent and enhance information on overdraft protection, and prohibit manipulation to generate overdraft protection fees (see H.R. 1456), H3399 [12MR]

———require stores offering credit or charge accounts to prominently display certain information (see H.R. 1365), H3054 [5MR]

———technical correction (see H.R. 3606), H9730 [17SE]

Video games: require certain warning labels to be placed on video games that are given certain ratings due to violent content (see H.R. 231), H69 [7JA]

Water: encourage efficiency (see H.R. 2368), H5484 [12MY]

———promote efficiency, conservation, and adaptation (see S. 1712), S9840 [24SE] (see H.R. 3747), H11110 [7OC]

Biographies

Salemme, R. Gerard, H979 [4FE]

Cloture motions

Credit: provide for enhanced disclosure under an open end credit plan (H.R. 627), S5426 [13MY], S5570 [19MY]

———provide for enhanced disclosure under an open end credit plan (H.R. 627), motion to proceed, S5246 [6MY]

FDA: provide with certain authority to regulate tobacco products (H.R. 1256), S5887 [21MY], S6171 [4JN], S6244 [8JN], S6412 [10JN]

———provide with certain authority to regulate tobacco products (H.R. 1256), motion to proceed, S5918 [2JN]

E-mails

Promote energy independence and security: several Idaho citizens, S28-S30 [6JA], S163-S165 [7JA], S205-S207 [8JA], S301-S303 [12JA], S335, S336 [13JA], S383-S385 [14JA], S594-S596 [15JA], S716-S718 [21JA], S783-S785 [22JA], S823-S825 [26JA], S890-S892 [27JA], S1053-S1055 [29JA], S1122, S1123 [30JA], S1274-S1276 [2FE], S1429-S1431 [3FE], S1539, S1540 [4FE], S1861, S1862 [6FE], S2024-S2026 [9FE], S2073-S2075 [10FE], S2138, S2139 [11FE], S2226-S2228 [12FE], S2317, S2318 [13FE], S2417, S2418 [24FE], S2468, S2469 [25FE], S2555, S2556 [26FE], S2588-S2590 [27FE], S2621, S2622 [2MR], S2689, S2690 [3MR], S2763, S2764 [4MR], S2825, S2826 [5MR], S2864, S2865 [6MR], S2906-S2908 [9MR], S2961-S2963 [10MR], S3020-S3022 [11MR], S3070-S3072 [12MR], S3111, S3112 [16MR], S3159, S3160 [17MR], S3365-S3367 [18MR], S3545-S3547 [19MR], S3606-S3608 [23MR], S3651-S3653 [24MR], S3779-S3781 [25MR], S3892-S3894 [26MR], S3983-S3985 [30MR], S4056-S4058 [31MR], S4166-S4168 [1AP], S4304-S4306 [2AP], S4438, S4439 [20AP], S4507, S4508 [21AP], S4567-S4569 [22AP], S4664-S4666 [23AP], S4718-S4720 [24AP], S4749-S4751 [27AP], S4801-S4803 [28AP], S4886-S4888 [29AP], S4957-S4959 [30AP], S5011-S5013 [1MY], S5062, S5063 [4MY], S5121, S5122 [5MY], S5227, S5228 [6MY], S5276-S5278 [7MY], S5325, S5326 [11MY], S5431 [13MY]

Protect consumers from usury: several Vermont citizens, S4629 [23AP], S4734 [27AP]

Explanations

Satellite Home Viewer Reauthorization Act (H.R. 3570), H13439 [2DE]

Interviews

Amend bankruptcy laws relative to modification of certain mortgages on principal residences: Senator Durbin with American Banker (publication), H2992, H3005 [5MR]

Letters

Allocation of additional Troubled Asset Relief Program funding: several Representatives, H5005 [30AP]

Allow temporary waiver of State interest rate limit: Arkansas congressional delegation, S6778 [18JN]

———Mike Beebe, Governor of Arkansas, S6777 [18JN]

———Toby Rittner, Council of Development Finance Agencies, S6778 [18JN]

Amend bankruptcy laws relative to modification of certain mortgages on principal residences: several organizations, S4936 [30AP]

Constitutionality of mandate requiring U.S. citizens to have health insurance: Carroll G. Robinson and Michael O. Adams, S13016 [11DE]

Consumer Assistance To Recycle and Save Act: Alan Reuther, UAW, H6348 [9JN]

———Charles E. Bunch, PPG Industries Inc., H6349 [9JN]

———Cody L. Lusk, American International Automobile Dealers Association, H6351 [9JN]

———Dave McCurdy, Alliance of Automobile Manufacturers, H6349 [9JN]

———David W. Regan, Automobile Dealers Association, H6350 [9JN]

———Dorothy Coleman, National Association of Manufacturers, H6350 [9JN]

———Holly R. Hart, United Steelworkers of America (organization), H6348 [9JN]

———Isabel H. Jasinowski, Goodyear Tire and Rubber Co., H6350 [9JN]

———Jim Donovan, UAW, H6351 [9JN]

———John Bozzella, Chrysler LLC, H6348 [9JN]

———Ken W. Cole, General Motors Corp., H6348 [9JN]

———Michael E. Wilson, Automotive Recyclers Association, H6350 [9JN]

———Michael G. Morris, Business Roundtable (organization), H6350 [9JN]

———Michael J. Stanton, Association of International Automobile Manufacturers, H6350 [9JN]

———Peter Lawson, Ford Motor Co., H6347 [9JN]

———R. Bruce Josten, U.S. Chamber of Commerce, H6349 [9JN]

———Stephen B. McDonald, Specialty Equipment Market Association, H6350 [9JN]

———Stephen J. Collins, Automotive Trade Policy Council, H6349 [9JN]

———Terry Metcalf, H6348 [9JN]

———Tim Doran, Ohio Automobile Dealers Association, H6351 [9JN]

———Tim O'Sullivan, Mazda North American Operations, Inc., H6348 [9JN]

———William Samuel, AFL-CIO, H6349 [9JN]

Credit CARD Technical Corrections Act: Dan Mica, Credit Union National Association, H11258 [13OC]

———Deborah Matz, National Credit Union Administration, H11258 [13OC]

———Roshara J. Holub, Missouri Credit Union Association, H11259 [13OC]

Dept. of HHS medical insurance rate authority establishment to monitor premium costs and require insurance companies to submit justifications and explanations for premium increases: several California organizations, S13755 [22DE]

DTV Delay Act: Bob Wise, H589 [27JA]

———Brian Fontes, National Emergency Number Association, H989 [4FE]

———Chris Fischer, Association of Public-Safety Communications Officers-International, Russell B. Laine, International Association of Chiefs of Police, and Larry J. Grorud, International Association of Fire Chiefs, H989 [4FE]

———Christopher T. Gallu, NPG of Oregon, Inc., H589 [27JA]

———Chuck Canterbury, Fraternal Order of Police, H588 [27JA], H980, H992 [4FE]

———David K. Rehr, National Association of Broadcasters, H989 [4FE]

———Gary D. Jones, KMVU-TV (Medford, OR), H590 [27JA]

———Jerry Upham, KOHD-TV (Bend, OR), H589 [27JA]

———Kingsley Kelley, KTVL-TV (Medford, OR), H590 [27JA]

———Renard N. Maiuri, H589 [27JA]

Elder Abuse Victims Act: Thomas M. Susman, ABA, H1122 [10FE]

Encourage equitable distribution of Troubled Asset Relief Program funds to community-based, minority-owned banks as well as national banks: Michael A. Grant, National Bankers Association, E621 [10MR]

———Orson Aguilar and Bob Gnaizda, Greenlining Institute, E620 [10MR]

Evaluation of President Obama's economic policies: Emmaline P. Henn, H7999 [10JY]

Exempt certain publicly traded companies from establishing internal financial operations controls and obtaining an outside audit to validate soundness: Benjamin J. McKay III, Property Casualty Insurers Association of America, H14725 [10DE]

———Clarke D. Camper, NYSE Euronext (company), H14725 [10DE]

———James C. Greenwood, Biotechnology Industry Organization, H14725 [10DE]

———John Berlau, Competitive Enterprise Institute, H14726 [10DE]

———Stephen Verdier, Independent Community Bankers of America (organization), H14725 [10DE]

Family Smoking Prevention and Tobacco Control Act: Charles D. Connor, American Lung Association, S6409 [10JN]

———Daniel E. Smith, American Cancer Society Cancer Action Network, S6408 [10JN]

———David T. Tayloe, Jr., American Academy of Pediatrics, S6409 [10JN]

———Georges C. Benjamin, American Public Health Association, S6409 [10JN]

———Matthew L. Myers, Campaign for Tobacco-Free Kids (organization), S6409 [10JN]

———Michael D. Maves, AMA, S6409 [10JN]

———Mike Mullen, Joint Chiefs of Staff Chair, S5936 [2JN]

———Representative Conyers, Committee on the Judiciary (House), H4340 [1AP]

———Representative Waxman, Committee on Energy and Commerce (House), H4340 [1AP]

———several former Federal health officials, S6408 [10JN]

FCC establishment of broadband policy relative to Internet service providers' ability to manage and restrict network traffic: several corporations, S10619 [21OC]

———several individuals, S10619 [21OC]

Financial Product Safety Commission Act: several organizations, S2978 [10MR]

FRS authority to specify acceptable forms of identification for opening of credit card accounts: Phyllis Schlafly, Eagle Forum (organization), S5422 [13MY]

Health Insurance Restrictions and Limitations Clarification Act: Representative George Miller, Committee on Education and Labor (House), H4087 [30MR]

———Representative Waxman, Committee on Energy and Commerce (House), H4088 [30MR]

Helping Families Save Their Homes Act: B. Dan Berger, National Association of Federal Credit Unions, H5761 [19MY]

———Camden R. Fine, Independent Community Bankers of America (organization), H5761 [19MY]

———Charles McMillan, National Association of REALTORS, H2854 [26FE], H5762 [19MY]

———Dan Mica, Credit Union National Association, S5005 [1MY], H5761 [19MY]

———David P. Sloan, AARP, H2855 [26FE]

———Floyd E. Stoner, American Bankers Association, S5007 [1MY], H5761 [19MY]

———Frank Keating, American Council of Life Insurers, H2854 [26FE]

———Fred R. Becker, Jr., National Association of Federal Credit Unions, S5006 [1MY]

———John H. Dalton and Steve Bartlett, Financial Services Roundtable (organization), S5006 [1MY]

———several consumer organizations, S5006 [1MY]

———Susan Eckerly, National Federation of Independent Business, H2855 [26FE]

Impact of economy-wide global warming pollution emission cap and trade program: Committee on Environment and Public Works (Senate) Republican members, S3744 [25MR]

———John M. Reilly, Massachusetts Institute of Technology, E919 [21AP]

———Senator Dorgan, S3820 [26MR]

———several Senators, S3820 [26MR]

Importation of prescription drugs: Margaret A. Hamburg, FDA, S12778 [9DE], S13227 [15DE]

Mortgage Reform and Anti-Predatory Lending Act, H5348 [7MY]

———Charles McMillan, National Association of REALTORS, H5186 [6MY]

———Floyd E. Stoner, American Bankers Association, H5318 [7MY]

———John A. Courson and David G. Kittle, Mortgage Bankers Association, H5179 [6MY], H5317 [7MY]

———Representative Conyers, Committee on the Judiciary (House), H5348 [7MY]

———Representative Frank, Committee on Financial Services (House), H5348 [7MY]

Pharmaceutical Market Access and Drug Safety Act: Senator Reid, S10184 [7OC]

———Susan Eckerly, National Federation of Independent Business, S9714 [23SE]

Prohibit distribution of checks or other negotiable instruments as part of a creditor solicitation to extend credit and limit consumer liability in conjunction with such solicitations: several consumer organizations, S8979 [6AU]

Protecting Consumers From Unreasonble Credit Rates Act: several organizations, S2572 [26FE]

Require notice to consumers when a mortgage loan has been sold, transferred, or assigned to a third party: several consumer organizations, S5174 [6MY]

Satellite Home Viewer Reauthorization Act: Representative Bennie G. Thompson, Committee on Homeland Security (House), H13438 [2DE]

———Representative Conyers, Committee on the Judiciary (House), H13439 [2DE]

———several Representatives, E2913 [8DE]

SBA Disaster Recovery and Reform Act: Karen Gordon Mills, SBA, S11212 [5NO]

———several Senators, S11212 [5NO]

TARP Reform and Accountability Act: Lawrence H. Summers, H274 [14JA]

Troubled Asset Relief Program accountability: Representative Sessions, H5810 [20MY]

———several Representatives, H5810 [20MY]

Wall Street Reform and Consumer Protection Act: Representative Frank, Committee on Financial Services (House), H14441 [9DE]

———Representative Towns, Committee on Oversight and Government Reform (House), H14440 [9DE]

———several organizations, H14719, H14720 [10DE]

Lists

Organizations opposing use of budget reconciliation for health care reform and global warming pollution emission cap and trade program, S4291 [2AP]

Primary Government securities dealers reporting to the FRS Government Dealers Statistics Unit, H1280 [12FE]

State-by-State impact of Durbin amendment to S. 896, Helping Families Save Their Homes Act, on bankruptcy law modification for certain mortgages, S4923 [30AP]

Supporters of H.R. 1242, Dept. of the Treasury Troubled Asset Relief Program additional monitoring and accountability, H13406 [2DE]

Memorandums

Constitutionality of Mandate Requiring U.S. Citizens To Have Health Insurance: Conservative Action Project (organization), S13728 [22DE]

Credit Cardholders' Bill of Rights Act: Congressional Research Service, H4967 [29AP]

Motions

Credit: prevent mortgage foreclosures, enhance mortgage credit availability, and amend bankruptcy laws relative to modification of certain mortgages on principal residences (H.R. 1106), H3021 [5MR]

———prevent mortgage foreclosures and enhance mortgage credit availability (S. 896), S5179, S5182 [6MY]

———provide for enhanced disclosure under an open end credit plan (H.R. 627), S5423, S5424 [13MY], H5039 [30AP], H5832 [20MY]

———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. 1728), H5369 [7MY]

Credit Card Accountability Responsibility and Disclosure (Credit CARD) Act: establish an earlier effective date for various consumer protections (H.R. 3639), H12320 [4NO]

Dept. of the Treasury: reform the Troubled Asset Relief Program and ensure accountability under such Program (H.R. 384), H413, H415 [21JA]

Dept. of Transportation: making supplemental appropriations for voucher program for consumers to trade in a high polluting vehicle and purchase a more fuel efficient vehicle (H.R. 3435), S8961, S8962, S8963, S8964 [6AU]

Economy: provide financial regulatory reform, protect consumers and investors, enhance Federal understanding of insurance issues, and regulate the over-the-counter derivatives markets (H.R. 4173), H14800 [11DE]

FDA: provide with certain authority to regulate tobacco products (H.R. 1256), H4413 [2AP], H6651 [12JN]

Television: move forward the date on which the transition to digital television is to occur (S. 352), H995 [4FE]

Press releases

Alaska Physicians' Group—Senator Erred on Tort Reform: Alaska State Medical Association, S13775 [22DE]

Remarks in House

Air pollution: impact of economy-wide global warming pollution emission cap and trade program, H2950, H2972 [4MR], H3042, H3043 [5MR], H3100 [9MR], H3113, H3133 [10MR], H3430-H3432 [16MR], H3451, H3491-H3504, H3515 [17MR], H3531, H3609, H3622 [18MR], H3722, H3737 [23MR], H3786, H3792, H3794, H3796 [24MR], H3839, H3840, H4004-H4011, H4015-H4017 [25MR], H4051, H4052 [26MR], H4105, H4114-H4116 [30MR], H4222, H4226, H4243 [31MR], H4374, H4391 [1AP], H4405-H4409, H4417-H4421, H4428, H4497 [2AP], H4559-H4565 [21AP], H4588, H4675 [22AP], H4693, H4724-H4728 [23AP], H4766, H4768 [27AP], H4877, H4878 [28AP], H4976 [29AP], H5104, H5146-H5155, H5166 [5MY], H5377, H5384, H5386 [7MY], H5408, H5455, H5460 [12MY], H5555-H5562, H5572-H5575 [13MY], H5586, H5588, H5637 [14MY], H5694 [18MY], H5721, H5768, H5769, H5772-H5779 [19MY], H5805, H5806, H5864, H5880-H5889 [20MY], H5895, H5897, H5898, H5982 [21MY], H6018, H6058-H6060, H6063-H6070 [2JN], H6081, H6085-H6090, H6126, H6132-H6138 [3JN], H6159, H6160 [4JN], H6269, H6270, H6274 [8JN], H6312, H6314, H6317, H6318, H6327, H6336-H6341, H6343, H6344, H6395, H6398-H6400 [9JN], H6419, H6421, H6519, H6529 [10JN], H6542, H6543, H6544, H6598, H6600 [11JN], H6621, H6623 [12JN], H6782, H6785, H6799-H6803 [15JN], H6816, H6819 [16JN], H6908 [17JN], H7026, H7074 [19JN], H7113, H7117-H7121 [23JN], H7150, H7151, H7152 [24JN], H7255, H7256, H7257, H7396 [25JN], H7450, H7452, H7626, H7629-H7644, H7646-H7654, H7659, H7664, H7669-H7672, H7675-H7679, H7685, H7692 [26JN], H7710, H7733-H7738 [7JY], H8013, H8014 [13JY], H8035, H8059, H8060, H8069, H8070 [14JY], H8163 [15JY], H8288-H8293, H8296 [16JY], H8347 [17JY], H8360 [20JY], H8427, H8428, H8429, H8430, H8431, H8438, H8439, H8441, H8443, H8444, H8476-H8486 [21JY], H8687-H8693 [23JY], H8802 [24JY], H8886, H8901 [28JY], H8964 [29JY], H9192, H9193, H9195 [30JY], H9248 [31JY], H9652 [16SE], H9794 [22SE], H12348 [4NO], H13377 [1DE], H13458 [2DE], H13510, H13514 [3DE], H13555, H13617, H13618, H13620, H13624 [8DE], H14809, H14811 [11DE], H15457, H15476, H15481 [16DE], E919 [21AP], E1324 [4JN], E1564 [24JN], E1574, E1631 [26JN], E1659 [7JY], E2923 [10DE]

———suspend global warming pollution emission cap and trade program if unemployment reaches a certain level, H7460 [26JN]

American Recovery and Reinvestment Act: impact of stimulus funding on economy, H8876 [28JY], H9043 [29JY]

Antitrust policy: restore rule making it illegal for manufacturers to set a minimum price below which a retailer cannot sell the manufacturer's product (H.R. 3190), E1734 [13JY]

Army and Air Force Exchange Service: anniversary, E1269 [2JN]

Business and industry: clarify requirement relative to publicly traded companies establishing internal financial operations controls and obtaining an outside audit to validate soundness, H14723-H14726 [10DE]

———importance of accountability between employers and employees, H4231 [31MR]

———treat arbitration clauses which are unilaterally imposed on consumers as an unfair and deceptive trade practice and prohibit their use in consumer transactions (H.R. 991), E245 [11FE]

CFTC: clarify definitions of ``commercial risk'', ``operating risk'', and ``balance sheet risk'' relative to company eligibility for exception to clearing requirement, H14709 [10DE]

China: investigate effects of drywall imports on foreclosures and availability of property insurance for homes where defective drywall imports are present, H5363, H5364 [7MY]

Colleges and universities: student loan delinquency prevention, default aversion, and counseling services funding, H9676, H9677 [17SE]

Commodity Exchange Act: bring greater transparency and accountability to commodity markets, H14705-H14709 [10DE]

———prevent excessive price speculation with respect to energy commodities, H6978 [18JN]

Congressional Commission on Financial Accountability and Preparedness: establish (H.R. 2111), H5267 [6MY], H5550 [13MY], H5687 [18MY]

Consumer Financial Protection Agency: establish, E2966, E2982 [11DE]

———establish (H.R. 3126), H8391 [20JY], H8590 [23JY], H8712 [24JY]

———limit power if unemployment rate remains at high level, H14491 [10DE]

———permit Federal functional regulator to delegate authority to conduct examinations and enforce consumer protection provisions for financial institutions above a certain asset threshold, H14678 [10DE]

———prohibit mandating disclosures be made in any language other than English, H14491 [10DE]

———provide authority to issue regulations for reverse mortgage transactions, H14759, H14760 [11DE]

Consumer Financial Protection Council: establish, H14771-H14776 [11DE]

Consumer Product Safety Improvement Act: exempt off-highway vehicles from certain lead prohibitions (H.R. 1587), H5128 [5MY]

CPSC: funding, E2002 [24JY]

———restore jurisdiction over fixed site amusement park rides (H.R. 2514), E1219 [20MY]

———study contaminated drywall imported from China from 2004 through 2007, H11560 [21OC]

———study drywall imported from China from 2004 through 2007, H8209 [16JY]

———study drywall imported from China from 2004 through 2007 (H.R. 1977), H5363 [7MY]

Credit: allocate payments in excess of the minimum payment to the portion of the remaining balance with the highest interest rate first, H5021, H5022 [30AP]

———allow credit card issuers to raise interest rates on existing balances if they provide clear notification 90 days in advance, H5026, H5027 [30AP]

———allow creditors to use retroactive rate increases, universal default, and double billing cycles as long as they offer alternatives, H5028, H5029 [30AP]

———allow customers who have not activated their credit cards within 45 days to cancel the card and have it removed from their credit report entirely, H5037 [30AP]

———allow lenders to recapture the principal lost in mortgage modification in a bankruptcy proceeding if the homeowner sells the property for a profit, H2990, H3014, H3015 [5MR]

———effect of mortgage lenders risk-retention on liquidity of the market, H5349 [7MY]

———establish additional payday loan disclosure requirements and other protections (H.R. 1214), E493 [26FE]

———exclude from consumer credit reports medical debt that has been in collection and has been fully paid or settled (H.R. 3421), E2114 [31JY]

———guarantee consumers same access to credit scores as lenders, H14675 [10DE]

———limit credit line on college student accounts, require approval for credit increases on co-signed accounts, require credit check to open accounts, and prohibit multiple accounts for certain applicants, H5020, H5021 [30AP]

———preserve consumer choice and access to credit and enhance consumer disclosures (H.R. 2327), H12296 [4NO]

———prevent mortgage foreclosures, enhance mortgage credit availability, and amend bankruptcy laws relative to modification of certain mortgages on principal residences, H14755-H14757 [11DE], E2445 [6OC], E2513 [13OC], E3019 [17DE]

———prevent mortgage foreclosures, enhance mortgage credit availability, and amend bankruptcy laws relative to modification of certain mortgages on principal residences (H.R. 1106), H2809 [25FE], H2839, H2848-H2863 [26FE], H2889, H2912 [3MR], H2932, H2933, H2951-H2953, H2970 [4MR], H2997-H3024, H3041, H3044-H3047, H3051 [5MR], H3058, H3075, H3076 [6MR], H3340 [12MR], H3419-H3426 [16MR], H3442 [17MR], H5085 [4MY], H5105, H5142 [5MY], E559, E562, E569, E576, E577, E578, E579, E580 [5MR], E582, E584 [6MR], E610, E623-E625 [10MR], E673 [16MR], E692 [17MR], E734 [23MR]

———prevent mortgage foreclosures, enhance mortgage credit availability, and amend bankruptcy laws relative to modification of certain mortgages on principal residences (H.R. 1106), consideration (H. Res. 190), H2839-H2848 [26FE]

———prevent mortgage foreclosures, enhance mortgage credit availability, and amend bankruptcy laws relative to modification of certain mortgages on principal residences (H.R. 1106), consideration (H. Res. 205), H2986-H2995 [5MR]

———prevent mortgage foreclosures, enhance mortgage credit availability, and amend bankruptcy laws relative to modification of certain mortgages on principal residences (H.R. 1106), motion to recommit, H3021, H3023 [5MR]

———prevent mortgage foreclosures and enhance mortgage credit availability (S. 896), H5740-H5765, H5768 [19MY], E1210 [20MY], E1257 [21MY], E1307 [4JN]

———prevent provision of mortgage foreclosure assistance if borrowers misrepresented or lied about their income when applying for the mortgage or lenders failed to follow proper underwriting standards, H3021-H3023 [5MR], H3058 [6MR]

———prohibit fees for telephone or electronic transfer payments, require warning on adverse effects of excessive credit inquiries, impose readability standards, and establish disclosure requirements, H5017 [30AP]

———prohibit steering of mortgage loans, H5349 [7MY]

———prohibit the provision of mortgage relief to those who fraudulently extended their mortgage and then filed for bankruptcy, H2989 [5MR]

———protect homebuyers from predatory mortgage lending practices, H5286-H5293 [6MY]

———protect homebuyers from predatory mortgage lending practices (H.R. 2108), H12989 [16NO]

———provide for enhanced disclosure under an open end credit plan, H349 [15JA]

———provide for enhanced disclosure under an open end credit plan (H.R. 627), H4847 [28AP], H4960-H4969 [29AP], H5001, H5002, H5013-H5041, H5048-H5052 [30AP], H5782 [19MY], E122 [22JA], E1022, E1024, E1026, E1027, E1030, E1033, E1035, E1038, E1043 [30AP], E1046 [4MY], E1058 [5MY], E1075 [6MY], E1103, E1105 [7MY], E1250, E1262 [21MY]

———provide for enhanced disclosure under an open end credit plan (H.R. 627), consideration (H. Res. 379), H5003-H5013 [30AP]

———provide for enhanced disclosure under an open end credit plan (H.R. 627), consideration of Senate amendment (H. Res. 456), H5808-H5815 [20MY]

———provide for enhanced disclosure under an open end credit plan (H.R. 627), corrections in engrossment, H5043 [30AP]

———provide for enhanced disclosure under an open end credit plan (H.R. 627), Senate amendment, H5806, H5823-H5841 [20MY]

———provide forbearance from foreclosures of subprime mortgages in the determination of a consumer credit score, H2990 [5MR], H3423, H3424 [16MR]

———provide that the amount of a balance as of a 7-day mark following a notice of a rate increase would be protected from the rate increase, H5029 [30AP]

———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. 1728), H5069 [4MY], H5101, H5103, H5104, H5105, H5106, H5138-H5145 [5MY], H5171, H5173, H5179-H5188, H5266 [6MY], H5312, H5325-H5371 [7MY], H5562-H5568 [13MY], E1083, E1085, E1086, E1087, E1106 [7MY], E1129 [12MY], E1131 [13MY]

———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. 1728), consideration (H. Res. 400), H5174-H5179 [6MY]

———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. 1728), consideration (H. Res. 406), H5313-H5324 [7MY]

———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. 1728), corrections in engrossment, H5371 [7MY]

———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. 1728), motion to recommit, H5369 [7MY]

———require bankruptcy courts to use FHA appraisal guidelines, deny relief to individuals who can afford to repay mortgages without judicial mortgage modification, and extend negotiation period, H3004-H3011 [5MR]

———require credit cardholders to opt-into receiving over-the-limit protection on their credit card, H5025, H5026 [30AP]

———require creditors to post their credit card written agreements on their websites, and require the Federal Reserve Board to compile and report these agreements on its website, H5034, H5035 [30AP]

———require enhanced disclosure of the consequences of making only minimum required payments in repayment of credit card debt and establish consumer credit counseling and debt management services, H5030, H5031 [30AP], E1043 [30AP]

———require GAO study to ensure that enhanced disclosure under an open end credit plan would not restrict access to credit or increase cost of credit for small businesses, H5011, H5012 [30AP]

———require issuers to notify cardholders 30 days before account closure with the closure reason, staying-open options, balance repayment program, and credit score impact, H5031-H5033 [30AP]

———require minimum 6-month period for a promotional rate for credit cards before the standard rate may be increased, H5033, H5034 [30AP]

———require mortgage originators to present the costs and benefits of each mortgage option in a simple chart and the disclosure be made in writing and signed by the mortgage originator and consumer, H5361, H5362 [7MY]

———restrict credit card issuers from making adverse reports to credit rating agencies regarding deployed military service members and disabled veterans, H5035, H5036 [30AP]

Credit Card Accountability Responsibility and Disclosure (Credit CARD) Act: establish an earlier effective date for various consumer protections (H.R. 3639), H12302-H12323 [4NO], E2723 [5NO]

———establish an earlier effective date for various consumer protections (H.R. 3639), consideration (H. Res. 884), H12294-H12301 [4NO]

———establish an earlier effective date for various consumer protections (H.R. 3639), motion to recommit, H12321 [4NO]

———establish an immediate effective date for various consumer protections, H12313, H12314 [4NO]

———freeze interest rate increases on existing credit card balances until effective date for various consumer protections, H12316, H12317 [4NO]

———FRS certification of feasibility of implementation of necessary regulations by an earlier effective date, H12321 [4NO]

Credit cards: clarify that reductions to interest rates can be implemented immediately, H12311, H12312 [4NO]

———prevent closure of accounts due to imposition of new fees from negatively impacting credit score, H12314-H12316 [4NO]

———provide safeguards for holders whose accounts were, or are about to be, terminated for inactivity (H.R. 1882), E876 [2AP]

———provide that issuers that impose a freeze on increases to interest rates, fees, and contract terms would be exempt from accelerated date requiring application of excess payments to highest rate balance, H12312, H12313 [4NO]

Dept. of Education: conduct outreach activities to educate students and their families about transition to Federal Direct lending, H9678, H9679 [17SE]

Dept. of Energy: establish a Best-in-Class Appliances Deployment Program (H.R. 1786), E825 [31MR]

Dept. of HHS: ensure patient choice in pharmacies by regulating pharmacy benefit managers and improving access to prescription drugs for certain individuals (H.R. 4199), E2890 [3DE]

Dept. of HUD: coordinate efforts to produce compatible and improved residential mortgage disclosures, H5763 [19MY]

———give priority consideration in grant funding to mortgage counseling agencies serving areas with high foreclosure rates, H5358, H5359 [7MY], H5763 [19MY]

———include explanation of benefits of mortgage balance pre-payment in consumer education guides, H5360 [7MY]

———prohibit legal assistance or housing counseling grant funding to an organization that has been or employs individuals convicted of Federal election law violations, H5351, H5352 [7MY]

———require lenders to notify all mortgagors who qualify for the Hope for Homeowners Program, H3017, H3018 [5MR]

———require transparency and accountability for organizations receiving Federal funds to provide foreclosure legal assistance or housing counseling, H5369 [7MY]

Dept. of the Treasury: dedicate portion of the Troubled Asset Relief Program funding to provide low-interest loans to unemployed homeowners facing foreclosure, H14677 [10DE]

———develop a strategy and timeline for repayment of assistance received by financial institutions under the Troubled Asset Relief Program, H8210 [16JY]

———develop a timetable for repayment of Troubled Asset Relief Program funds, H415-H418 [21JA]

———encourage equitable distribution of Troubled Asset Relief Program funds to community-based, minority-owned banks as well as national banks, E620 [10MR]

———establish an online database to enable citizens to monitor the usage and distribution of Troubled Asset Relief Program funds, H353 [15JA]

———establish centers to support research, development and planning, implementation, and evaluation of effective programs in financial literacy education for young adults and families (H.R. 3147), H8190 [16JY]

———halt purchase of luxury jet by Citigroup Inc., and require Troubled Asset Relief Program recipients to assist homeowners and small business and limit executive compensation and perks, H605, H606 [28JA]

———impose transfer tax on certain securities exchanges in order to recoup the net cost of the Troubled Asset Relief Program, H1047 [9FE]

———increase and strengthen FDIC oversight of the Troubled Asset Relief Program, H301 [14JA]

———increase and strengthen oversight of the Troubled Asset Relief Program, H1087 [10FE]

———permit use of the Troubled Asset Relief Program funding for mortgage foreclosure mitigation activities, H284 [14JA]

———prevent fraud under the Troubled Asset Relief Program and ensure accountability under such Program, H5410 [12MY]

———prohibit Troubled Asset Relief Program fund recipients from outsourcing new customer service or call center jobs to foreign companies, H407, H408 [21JA]

———proposal to form public-private partnerships to purchase certain assets in order to promote economic recovery, H3711 [23MR], H3791 [24MR]

———provide consumer protection to borrowers receiving private educational loans from companies that receive Troubled Asset Relief Program funds, H343 [15JA]

———provide for additional monitoring and accountability of the Troubled Asset Relief Program (H.R. 1242), H13405-H13408 [2DE]

———reform the Troubled Asset Relief Program, H1047 [9FE]

———reform the Troubled Asset Relief Program and ensure accountability under such Program, H3319 [11MR], H3378 [12MR], H5809-H5812 [20MY]

———reform the Troubled Asset Relief Program and ensure accountability under such Program (H.R. 384), H155 [9JA], H168 [13JA], H203, H282-H299, H301, H302 [14JA], H327, H328, H335-H367, H369-H372 [15JA], H393, H394, H407-H419, H425 [21JA], H449, H451, H453, H454, H456, H466, H471, H472 [22JA], H3423 [16MR], H8927 [28JY], E112, E114, E115, E117, E119 [21JA], E122, E129 [22JA], E135, E140 [26JA], E171, E174 [2FE], E735 [23MR]

———reform the Troubled Asset Relief Program and ensure accountability under such Program (H.R. 384), consideration (H. Res. 53), H273-H281 [14JA]

———reform the Troubled Asset Relief Program and ensure accountability under such Program (H.R. 384), consideration (H. Res. 62), H329-H335 [15JA]

———reform the Troubled Asset Relief Program and ensure accountability under such Program (H.R. 384), corrections in engrossment, H419 [21JA]

———reform the Troubled Asset Relief Program and ensure accountability under such Program (H.R. 384), motion to recommit, H414, H415-H418 [21JA]

———reform the Troubled Asset Relief Program by establishing the Family Foreclosure Rescue Corp. and purchase and insure home mortgage loans (H.R. 472), H276 [14JA]

———repeal authority to delegate an observer to attend meetings of the boards of directors of institutions assisted by the Troubled Asset Relief Program, H357-H359 [15JA]

———require collection and analysis of data on what recipients of Troubled Asset Relief Program funds are receiving and where such funds are going, H203 [14JA]

———require financial institutions receiving assistance under the Troubled Asset Relief Program to impose a foreclosure moratorium until new loan modifications are implemented, H356, H357 [15JA]

———suspend funding of the Troubled Asset Relief Program until the Congressional Oversight Panel has accounted for funding already expended, H301 [14JA]

———terminate the Troubled Asset Relief Program, H14749, H14750 [11DE]

Dept. of Transportation: establish voucher program for consumers to trade in a high polluting vehicle and purchase a more fuel efficient vehicle, H5047 [30AP], H9255 [31JY], E1485 [18JN]

———establish voucher program for consumers to trade in a high polluting vehicle and purchase a more fuel efficient vehicle (H.R. 1550), H4131 [31MR], H4253 [1AP]

———establish voucher program for consumers to trade in a high polluting vehicle and purchase a more fuel efficient vehicle (H.R. 2751), H6316, H6317, H6345-H6357 [9JN], H14962 [15DE], E1366 [10JN], E1393, E1394 [12JN]

———making supplemental appropriations for voucher program for consumers to trade in a high polluting vehicle and purchase a more fuel efficient vehicle (H.R. 3435), H9233-H9240, H9250 [31JY], H10503, H10504 [6OC]

Drug Price Competition and Patent Term Restoration Act: anniversary, E2373 [25SE]

Economy: Federal Government control versus free enterprise, H9646-H9653 [16SE], H12278-H12285 [3NO]

———provide financial regulatory reform, protect consumers and investors, enhance Federal understanding of insurance issues, and regulate the over-the-counter derivatives markets (H.R. 4173), H13554, H13555, H13556 [8DE], H14377, H14379, H14418-H14442 [9DE], H14448, H14450, H14496, H14650-H14738, H14740 [10DE], H14747-H14804, H14808 [11DE], H14849, H14872, H14873 [14DE], H14884, H14887 [15DE], E2937, E2943 [10DE], E2966, E2969, E2970, E2971, E2972, E2973, E2974, E2975, E2976, E2977, E2979, E2980, E2982, E2983, E2984 [11DE], E2985, E2991, E2993, E2994 [14DE], E3004, E3008, E3013 [15DE], E3019, E3029, E3053 [17DE]

———provide financial regulatory reform, protect consumers and investors, enhance Federal understanding of insurance issues, and regulate the over-the-counter derivatives markets (H.R. 4173), consideration (H. Res. 956), H14408-H14417 [9DE]

———provide financial regulatory reform, protect consumers and investors, enhance Federal understanding of insurance issues, and regulate the over-the-counter derivatives markets (H.R. 4173), consideration (H. Res. 964), H14487-H14496 [10DE]

———provide financial regulatory reform, protect consumers and investors, enhance Federal understanding of insurance issues, and regulate the over-the-counter derivatives markets (H.R. 4173), motion to recommit, H14801-H14804 [11DE]

———provide financial regulatory reform, protect consumers and investors, enhance Federal understanding of insurance issues, and regulate the over-the-counter derivatives markets (H.R. 4173), unanimous-consent agreement, H14418 [9DE]

———provide financial regulatory reform, protect consumers and investors, enhance understanding of insurance issues, and regulate over-the-counter derivatives markets (H.R. 4173), consideration—same-day consideration (H. Res. 962), H14480-H14487 [10DE]

———reform the financial regulatory system of the U.S., H12267-H12272 [3NO], H13010, H13012 [17NO]

———reform the financial regulatory system of the U.S. (H.R. 3310), E1965-E1967 [24JY]

Electric power: rates, H9195 [30JY]

Executive Office of the President: restore White House Office of Consumer Affairs, E274 [13FE]

FAA: require commercial airlines provide passengers notification of flight status by text message or e-mail, H5968, H5969 [21MY]

Fair Credit Reporting Act: provide an exclusion from Red Flag Guidelines for certain small businesses (H.R. 3763), H11467-H11469 [20OC], E2670 [29OC]

FBI: authorize additional appropriations to enhance ability to stop mortgage fraud, H5264 [6MY]

FCC: broadband policy on neutrality, H13073 [18NO]

———establish broadband policy and conduct public broadband summits to assess competition, consumer protection, and consumer choice issues relating to broadband Internet access services (H.R. 3458), H10123 [30SE]

———establish broadband policy relative to Internet service providers' ability to manage and restrict network traffic, H10043 [29SE], H10525 [7OC], H11305 [14OC]

———prescribe a standard to preclude commercials from being broadcast at louder volumes than the program material they accompany (H.R. 1084), H14907-H14910 [15DE]

FDA: constitutionality of certain tobacco advertising regulations, H6625, H6657 [12JN]

———provide with certain authority to regulate tobacco products (H.R. 1256), H3800-H3805 [24MR], H4318-H4368 [1AP], H4491 [2AP], E854, E859, E867, E873, E875, E885 [2AP], E893, E912, E920 [21AP]

———provide with certain authority to regulate tobacco products (H.R. 1256), consideration (H. Res. 307), H4310-H4318 [1AP]

———provide with certain authority to regulate tobacco products (H.R. 1256), consideration of Senate amendment (H. Res. 532), H6623-H6630 [12JN]

———provide with certain authority to regulate tobacco products (H.R. 1256), earmark declaration, E831 [31MR]

———provide with certain authority to regulate tobacco products (H.R. 1256), motion to recommit, H4413 [2AP]

———provide with certain authority to regulate tobacco products (H.R. 1256), Senate amendment, H6630-H6660 [12JN], E1426 [15JN], E1493, E1502 [18JN]

FDIC: create a net worth certificate program, H1279-H1281 [12FE]

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. 1455), E651 [12MR]

Federal Food, Drug, and Cosmetic Act: preserve ability to file State product liability lawsuits relative to defective medical devices (H.R. 1346), E575 [5MR]

Financial institutions: clarify definition of ``major swap participant'' in order to protect end users who do not pose a systemic risk, H14713, H14714 [10DE]

———establish safe and sound credit system that promotes responsible savings and lending practices, H7115 [23JN]

———exempt nondepository captive finance companies from standards set for depository insititutions, H14431 [9DE]

———Federal preemption of State consumer financial laws, H14493 [10DE]

———grant CFTC and SEC authority to set a margin or collateral requirement for swaps and security-based swaps involving end users, H14715, H14716 [10DE]

———limit financial institutions and major swap participants to certain ownership percentage in derivatives clearing organizations, H14711, H14712 [10DE]

———make increase in deposit insurance coverage retroactive to July 11, 2008, H14489 [10DE]

———make loan modification program more transparent by giving homeowners the ability to verify their mortgage servicer's net present value analysis, H14491 [10DE]

———require mortgage lenders participating in Making Home Affordable Program to report monthly to the Dept. of the Treasury, H14722, H14723 [10DE]

———require mortgage lenders to provide loan applicants with simplified summaries of loan contracts, H14737 [10DE]

———require swap dealers and major participants to execute their standardized swaps on exchanges or swap execution platforms, H14493 [10DE]

———sunset Federal laws and regulations that deny consumers the opportunity to make certain bank account decisions and what type of information they receive from their banks (H.R. 1419), E622 [10MR]

Financial literacy: require financial literacy counseling for borrowers (H.R. 1325), H4857 [28AP], H9603 [16SE]

FRS: conduct review of consumer credit plans and regulations, H5018, H5019 [30AP]

———submit reports on implementation of regulations requiring enhanced disclosure under an open end credit plan, H5022 [30AP]

FTC: authorize appropriations for certain technical assistance activities (H.R. 3686), E2402 [30SE]

Galveston, TX: tribute to community banks for recovery loans made to residents after Hurricane Ike, E1790 [15JY]

GAO: expand study of certain mortgage regulations to include effect on consumer and small business credit availability and affordability, H5360, H5361 [7MY]

———report on subprime mortgage loans, H8964 [29JY]

Health: address issue of medical debt, H9209 [31JY]

———constitutionality of mandate requiring U.S. citizens to have health insurance, H14814, H14816 [11DE]

———encourage use of electronic medical records, H6614 [11JN]

———ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers, H12889 [7NO]

———ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers (H.R. 3596), E2318 [17SE]

———ensure the FTC bears the burden of proof in false advertising cases involving dietary supplements and dietary ingredients (H.R. 3394), E2086 [29JY]

———protect privacy of patients and physicians relative to electronic health records (H.R. 2630), E1242 [21MY]

———protect the American people's ability to make their own health care decisions by ensuring the Federal Government shall not force any American to purchase health insurance (H.R. 2629), E1239 [21MY]

———provide medical debt counseling, H12892 [7NO]

———reduce health care and insurance costs through medical malpractice tort reform, H8907 [28JY], H9499 [15SE], H9638 [16SE], H11293, H11294 [13OC], H11377 [14OC], H11565-H11567 [21OC], H11779, H11780, H11782 [26OC], H12260, H12265, H12285 [3NO], H12337 [4NO], H12369, H12446 [5NO], H12606, H12620, H12841, H12856, H12882, H12888, H12956 [7NO], H13048, H13050, H13056 [17NO], E2151 [31JY]

———reduce health care and insurance costs through medical malpractice tort reform and apply savings to establish a Seniors Protection and Medicare Regional Payment Equity Fund, H12966, H12967 [7NO]

———restore reliability to the medical justice system by fostering alternatives to medical tort litigation, H8885 [28JY]

———review claims about effects of foods and dietary supplements on health-related conditions and diseases (H.R. 3395), E2086 [29JY]

———strengthen privacy protections for consumer access to electronic medical records, H1027 [4FE], H3740 [23MR]

Housing: reduce eviction grace period for renters of certain properties in foreclosure and clarify circumstances of acceleration of debt repayment, H5353, H5354 [7MY]

———require notice to consumers when a mortgage loan has been sold, transferred, or assigned to a third party, H5347, H5349 [7MY]

Insurance: establish that insurance documents issued to the public must be written clearly, H8491 [21JY]

———provide for cooperative governing of individual health insurance coverage offered in interstate commerce, H12260 [3NO]

———provide for cooperative governing of individual health insurance coverage offered in interstate commerce (H.R. 3217), H8090 [14JY], H11291 [13OC], H11778 [26OC]

———require group health plans and issuers of health insurance coverage to provide coverage for second opinions (H.R. 2457), E1182 [18MY]

———require that limitations and restrictions on coverage under group health plans be timely disclosed to plan sponsors and clearly communicated to plan participants and beneficiaries (H.R. 1253), H4087, H4088 [30MR], H5128 [5MY], E820 [31MR]

Interstate compacts: allow establishment for the purpose of expanding health insurance options, H12849 [7NO]

Lawyers and attorneys: limit attorney fees for filing predatory lending rights of action, H5315 [7MY]

Medicaid: increase price transparency of hospital information and provide for additional research on consumer information on charges and out-of-pocket costs, H11379 [14OC]

———increase price transparency of hospital information and provide for additional research on consumer information on charges and out-of-pocket costs (H.R. 2249), H5293 [6MY]

Medicare: establish shared decision making standards and requirements and a pilot program for the implementation of shared decision making (H.R. 2580), E1236 [21MY]

Money: repeal legal tender laws, prohibit taxation on certain coins and bullion, and repeal superfluous sections related to coinage (H.R. 4248), E2931 [10DE]

Mortgage Reform and Anti-Predatory Lending Act: require the FRS to certify provisions of such Act would not reduce availability or increase the price of credit for qualified mortgages, H5357, H5358 [7MY]

———strike certain provisions relating to high-cost mortgages, H5359 [7MY]

Motor vehicles: protect consumers from discriminatory State taxes on motor vehicle rentals (H.R. 4175), E2867 [2DE]

———protect the rights of consumers to diagnose, service, maintain, and repair their motor vehicles (H.R. 2057), E2591 [21OC]

———require a large majority of automobiles manufactured or sold in the U.S. to operate on fuel mixtures containing 85 percent ethanol or methanol, or biodiesel, H299 [14JA]

National Consumer Cooperative Bank: treat the nonprofit corporation affiliate as a community development financial institution (H.R. 1674), H6832, H6833 [16JN], E741 [23MR]

National Cybersecurity Awareness Month: observance, E2429 [1OC], E2649 [28OC]

———support goals and ideals (H. Res. 797), H11477-H11479 [20OC], E2595 [21OC], E2617 [22OC]

National Travel and Tourism Week: observance, H5588 [14MY]

NeighborWorks America (organization): foreclosure rescue scam awareness funding, H5352, H5353 [7MY]

Obama, President: evaluation of economic policies, H7998 [10JY], H8294, H8297, H8299, H8300 [16JY]

———proposal to reform U.S. financial regulatory system, H7115 [23JN], H8414 [21JY], H8589 [23JY], H8812 [27JY], H9496 [15SE]

Petroleum: reduce price of gasoline through offshore drilling, increased construction and investment in refineries, Federal fuel tax suspension, and free trade promotion (H.R. 2631), E1247 [21MY]

Pharmaceuticals: prohibit brand name drug companies from compensating generic drug companies to delay the entry of a generic drug into the market, H12889 [7NO]

———provide tax credit to retirement age individuals, remove barriers to importation, and prohibit certain regulation of Internet sites relative to prescription drugs (H.R. 163), E5 [6JA]

Populist Caucus: formation and agenda, H4227-H4233 [31MR]

Privacy: prevent identity theft, ensure privacy, and enhance penalties, law enforcement, and protections against security breaches, fraudulent access, and misuse of personally identifiable information, E2150 [31JY]

———protect commercial and government data from data breaches (H. Con. Res. 193), H11772 [26OC]

———protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information and require data breach notification (H.R. 2221), H13586-H13591 [8DE]

Product safety: establish a comprehensive process to inform consumers about food and product recalls (H.R. 3076), E1833 [17JY]

SBA: make low-interest disaster loans to homeowners for repair or replacement of toxic drywall installed in principal residences, H12111-H12113 [29OC]

SEC: allow certain credit rating agencies to deregister as Nationally Recognized Statistical Rating Organizations, H14758 [11DE]

———establish an Investor Advisory Committee (H.R. 3318), E1943 [24JY]

Securities: make Nationally Recognized Statistical Rating Organization liable for gross negligence in determining credit ratings, E2985 [14DE]

Senior citizens: establish a consumer price index for elderly consumers to compute cost-of-living increases for Social Security and Medicare benefits (H.R. 2365), H9917, H9918 [24SE], H11357 [14OC]

———protect seniors from elder abuse by improving prosecution, law enforcement, and assistance to victims (H.R. 448), H1120-H1123 [10FE]

———provide greater health care freedom (H.R. 164), E15 [6JA]

Taxation: allow deductions for interest payments on car loans and sales and excise taxes on certain motor vehicle purchases, H1564 [13FE]

———allow individuals and businesses a temporary credit against income tax for the purchase of certain vehicles (H.R. 550), E98 [15JA]

———ensure that all taxpayers have the ability to deduct State and local general sales taxes (H.R. 379), H95 [9JA]

———impose a retail tax on single-use carryout bags (H.R. 2091), E947 [23AP]

———include loans for recreational vehicles when providing incentives to consumers and lenders for the purchase of a passenger vehicle, H292 [14JA]

———make permanent the moratorium on Internet access taxation and multiple and discriminatory taxes on electronic commerce (H.R. 1560), E687 [17MR]

———provide a credit for the State and local sales taxes paid on the purchase of an automobile (H.R. 100), H179-H181 [13JA], E25 [7JA]

———provide consumer rebates for purchases of certain new passenger motor vehicles (H.R. 1808), H4139 [31MR]

———provide financing for automobile dealer floor plan loans, H292 [14JA]

———provide incentives to consumers and lenders for the purchase of a passenger vehicle (H.R. 385), H94 [9JA]

———reform laws and filing procedures, H4233 [31MR]

———repeal excise tax on telephone use and other communications services (H.R. 2203), E1042 [30AP]

Telephones: prohibit deceptive altering or disguising of caller identification on outbound telephone calls (H.R. 1110), H14896, H14897, H14946 [15DE]

Television: move forward the date on which the transition to digital television is to occur (S. 328), H584-H593 [27JA], H606 [28JA], E161, E164 [28JA], E172 [2FE]

———move forward the date on which the transition to digital television is to occur (S. 352), H984-H997 [4FE], E219, E223 [9FE], E240 [11FE], E271 [13FE]

———move forward the date on which the transition to digital television is to occur (S. 352), consideration (H. Res. 108), H976-H984 [4FE]

———move forward the date on which the transition to digital television is to occur (S. 352), motion to commit, H995 [4FE]

———move forward the date on which the transition to digital television is to occur and improve the digital-to-analog converter box program (H.R. 681), E164 [28JA]

———provide additional coupons for digital-to-analog converter box program and expedite delivery of coupons under such program, E337 [24FE]

———provide additional coupons for digital-to-analog converter box program and expedite delivery of coupons under such program (H.R. 661), H591 [27JA]

———reauthorize, reform, and modernize satellite statutory license and conform satellite and cable statutory licenses to digital transmissions (H.R. 3570), H13428-H13443 [2DE], E2276 [15SE], E2878, E2882 [3DE], E2913 [8DE]

———require stations currently using spectrum that will interfere with or become public safety spectrum to relinquish spectrum by previously established transition date, H995 [4FE]

Tobacco products: strategies to reduce the harm of products and the number of smokers, H6626, H6627 [12JN]

Truth in Lending Act: establish fair and transparent practices related to marketing and provision of overdraft coverage programs at depository institutions (H.R. 3904), E2794 [18NO]

———extend protections to overdraft protection programs, require consent and enhance information on overdraft protection, and prohibit manipulation to generate overdraft protection fees (H.R. 1456), E663 [12MR]

———require income verification by lenders utilizing IRS tax transcripts, H5356 [7MY]

———strike assignee and securitizer liability provisions, H5354-H5356 [7MY]

———technical correction (H.R. 3606), H11257-H11259 [13OC]

Remarks in Senate

Aguilar, Luis A.: commend remarks relative to U.S. financial regulatory system reform, S11340 [10NO]

Air pollution: impact of economy-wide global warming pollution emission cap and trade program, S3104 [16MR], S3324 [18MR], S3516-S3518 [19MR], S3584 [23MR], S3743 [25MR], S3820 [26MR], S3942, S3964, S3975 [30MR], S4108 [31MR], S4710 [24AP], S4834, S4854, S4856 [29AP], S5000-S5002 [1MY], S5103, S5104 [5MY], S5464-S5466 [14MY], S6138-S6140 [4JN], S6429 [10JN], S6486 [11JN], S7041-S7046 [25JN], S7169 [7JY], S7287, S7298 [9JY], S7405-S7407 [13JY], S7449 [14JY], S7539 [15JY], S7601-S7603, S7613 [16JY], S7667, S7679 [20JY], S8117 [27JY], S8629 [31JY], S9117, S9118 [8SE], S9496 [17SE], S9648 [22SE], S10142 [6OC], S10720 [26OC], S10763-S10765 [27OC], S10880, S10885-S10887 [29OC], S10955 [30OC], S11319 [10NO], S11459-S11465 [18NO]

———prohibit global warming pollution emission cap and trade program from increasing electric and gasoline prices, S3972-S3976 [30MR], S4011, S4017-S4030, S4046 [31MR], S4257 [2AP], S4652, S4653 [23AP]

———use of budget reconciliation for global warming pollution emission cap and trade program, S3974 [30MR], S4020-S4026 [31MR], S4136, S4139-S4143, S4148, S4149 [1AP], S4232, S4289 [2AP], S4637-S4641, S4654 [23AP]

Antitrust policy: restore rule making it illegal for manufacturers to set a minimum price below which a retailer cannot sell the manufacturer's product (S. 148), S133 [6JA]

Aviation: enhance safety (S. 1193), S6204 [4JN]

———ensure air passengers have access to necessary services while on a grounded air carrier and are not unnecessarily held on a grounded air carrier before or after a flight (S. 213), S314 [12JA]

Business and industry: prohibit unfair or deceptive acts or practices relative to gift certificates, store gift cards, and other general use prepaid cards, S5480 [14MY]

China: investigate drywall imports, prohibit further imports, recall hazardous drywall, seek penalties against manufacturers, and provide assistance to homeowners affected by hazardous drywall (S. Res. 91), S4710 [24AP]

Climate: develop policy to decrease emissions of greenhouse gases, S4156 [1AP]

Commission on Measures of Household Economic Security: establish (S. 2875), S13035 [11DE]

Committee on the Budget (Senate): appropriations allocation revisions to S. Con. Res. 13, setting forth the Federal budget for 2009-2014, S6023 [3JN], S6712 [17JN]

Commodity Exchange Act: prevent excessive price speculation with respect to energy and agricultural commodities (S. 447), S2336 [13FE]

———prevent excessive price speculation with respect to energy commodities, S6693 [17JN], S8235 [29JY], S9651 [22SE]

Consumer Financial Protection Agency: establish, S7246 [8JY]

Consumer Product Safety Improvement Act: exclude secondary sales, repair services, and certain vehicles from the ban on lead in children's products (S. 608), S3165 [17MR]

Contracts: establish fair procedures for arbitration clauses (S. 931), S4897 [29AP]

CPSC: establish a deficit-neutral reserve fund to protect small and home businesses from final consumer product safety rule banning lead in children's products, S4286, S4287 [2AP]

———funding, S5679 [20MY]

———promulgate final consumer product safety rule banning novelty lighters (S. 723), S3924 [26MR]

———study drywall imported from China from 2004 through 2007, S5794 [21MY]

———study drywall imported from China from 2004 through 2007 (S. 739), S4709 [24AP]

Credit: allocate payments in excess of the minimum payment to the portion of the remaining balance with the highest interest rate first, S5493 [14MY]

———allow merchants to offer a discount over credit cards for individuals paying with cash, check, or debit card, S5464, S5467 [14MY]

———ban abusive credit practices, enhance consumer disclosures and protect underage consumers (S. 414), S2149-S2153 [11FE], S5252 [7MY]

———ban deceptive marketing of free credit reports, S6178-S6180 [4JN]

———create toll-free number to provide information about credit counseling, S5484 [14MY]

———establish a national consumer credit usury rate, S4796-S4799 [28AP]

———establish a national consumer credit usury rate (S. 500), S2570 [26FE]

———make credit scores available to consumers once each year free of charge and allow consumers to see the credit score, S5491 [14MY]

———prevent mortgage foreclosures, enhance mortgage credit availability, and amend bankruptcy laws relative to modification of certain mortgages on principal residences (H.R. 1106), S2859 [6MR], S3522-S3524 [19MR]

———prevent mortgage foreclosures and enhance mortgage credit availability, S13020 [11DE]

———prevent mortgage foreclosures and enhance mortgage credit availability (S. 895), S4723 [24AP], S4725 [27AP]

———prevent mortgage foreclosures and enhance mortgage credit availability (S. 896), S4723 [24AP], S4725, S4741-S4743 [27AP], S4881-S4883 [29AP], S4915-S4927, S4931-S4938, S4943-S4953 [30AP], S4999, S5002-S5008, S5011 [1MY], S5051-S5061 [4MY], S5088-S5120 [5MY], S5173-S5205 [6MY], S5266 [7MY]

———prevent mortgage foreclosures and enhance mortgage credit availability (S. 896), unanimous-consent agreement, S5581 [19MY]

———prevent mortgage foreclosures and enhance mortgage credit availability (S. 896), unanimous-consent request, S4902 [29AP]

———prohibit distribution of checks or other negotiable instruments as part of a creditor solicitation to extend credit and limit consumer liability in conjunction with such solicitations (S. 1595), S9004 [6AU]

———prohibit prepayment penalties in mortgage contracts, S4950, S4951 [30AP]

———prohibit prepayment penalties in mortgage contracts (S. 911), S4812 [28AP]

———prohibit yield spread premiums paid to mortgage brokers for steering borrowers to certain interest rates (S. 912), S4812 [28AP]

———protect consumers from usury, S4629 [23AP], S4733 [27AP], S5363 [12MY], S5415, S5423, S5424 [13MY], S5470 [14MY], S5568 [19MY]

———protect consumers from usury (S. 582), S3076 [12MR], S4542 [22AP], S5119 [5MY], S9650 [22SE], S11032 [3NO]

———protect from certain practices in connection with the origination of consumer credit transactions secured by the consumer's principal dwelling (S. 863), S5182 [6MY]

———provide for enhanced disclosure under an open end credit plan (H.R. 627), S5304, S5313-S5321 [11MY], S5346-S5365 [12MY], S5409-S5412, S5415-S5418, S5420-S5429 [13MY], S5463, S5464, S5466-S5472, S5474-S5476, S5480, S5483, S5484, S5487-S5494, S5496 [14MY], S5548-S5551 [18MY], S5566-S5581, S5600-S5602 [19MY], S5805 [21MY], S6178-S6180 [4JN]

———provide for enhanced disclosure under an open end credit plan (H.R. 627), motion to proceed, S5246 [6MY]

———provide for enhanced disclosure under an open end credit plan (H.R. 627), unanimous-consent agreement, S5270 [7MY], S5353 [12MY]

———provide for enhanced disclosure under an open end credit plan (S. 131), S101 [6JA]

———provide for enhanced disclosure under an open end credit plan (S. 235), S389 [14JA]

———require mortgage service companies to issue warnings to homeowners about mortgage foreclosure scams, S5182 [6MY]

———require mortgage servicers to consider options that better serve the interest of homeowners and investors prior to modifying certain mortgage loans, S5088-S5092 [5MY]

———restore State power to enforce maximum interest rates against out-of-State lenders, S5487, S5488 [14MY]

———specify acceptable forms of identification for opening of credit card accounts, S5361 [12MY], S5421-S5423 [13MY]

Credit Card Accountability Responsibility and Disclosure (Credit CARD) Act: establish an earlier effective date for various consumer protections (S. 1833), S10730 [26OC]

Credit cards: establish a moratorium on interest rate increases (S. 1927), S10730, S10737, S10742 [26OC], S10743 [27OC], S11471, S11472 [18NO]

———establish a safety star rating system for the benefit of consumers (S. 900), S4757 [27AP]

———prohibit issuers from taking unfair advantage of college students and their parents (S. 165), S174 [7JA]

———protect consumers, and especially young consumers, from skyrocketing debt, unfair practices, and deceptive offers, S5409 [13MY], S5468 [14MY]

Crime: increase penalties for violations of securities protections that involve targeting senior citizens (S. 1659), S9268 [10SE]

Dept. of Agriculture: prohibit funding for digital television conversion efforts, S8716-S8718 [4AU]

Dept. of Energy: provide a voucher or coupon to a consumer who trades in an inefficient vehicle and purchases a more efficient vehicle (S. 247), S394 [14JA]

———provide a voucher or coupon to a consumer who trades in an inefficient vehicle and purchases a more efficient vehicle or motorcycle (S. 1248), S6553 [11JN]

Dept. of HHS: establish a medical insurance rate authority to monitor premium costs and require insurance companies to submit justifications and explanations for premium increases, S13754 [22DE]

———establish Federal standards for health insurance forms and provide transparency and accountability in the group and individual health insurance markets (S. 1050), S5523 [14MY]

———establish Office of Health Plan Management to administer the Consumer Choice Health Plan to provide an affordable and accountable public option for consumers (S. 1278), S6722 [17JN]

———establish Office of the National Coordinator for Health Information Technology, S1795 [6FE]

Dept. of Homeland Security: prevent Customs and Border Protection seizure of imported prescription drugs for personal use, S7305, S7306 [9JY]

Dept. of HUD: strengthen regulations to prevent, detect, and prosecute certain fraudulent practices of reverse mortgage industry, S4628, S4629 [23AP]

Dept. of the Treasury: collaborate with Dept. of HUD to develop program to address rising defaults and foreclosures in multifamily properties, S5060 [4MY], S5179 [6MY]

———dedicate portion of the Troubled Asset Relief Program funding for mortgage foreclosure mitigation activities, S1534, S1535 [4FE], S1812-S1816, S1852 [6FE]

———extend oversight and accountability of Troubled Asset Relief Program assistance to private entities, impose conditions on recipients, protect taxpayers, and investigate financial crisis (S. 195), S242 [9JA], S3515 [19MR]

———increase and strengthen FRS Board of Governors oversight of the Troubled Asset Relief Program, S4249, S4250 [2AP]

———proposal to form public-private partnerships to purchase certain assets in order to promote economic recovery, S3622 [24MR]

———provide for additional monitoring and accountability of the Troubled Asset Relief Program (S. 910), S9527 [17SE]

———provide for expenditure of remaining Troubled Asset Relief Program funds for the benefit of consumers, S4254-S4256 [2AP]

———provide oversight for Public-Private Investment Program, S5115 [5MY]

———provide subpoena authority to the Congressional Oversight Panel of the Troubled Asset Relief Program (S. 836), S4449 [20AP]

———reform the Troubled Asset Relief Program and ensure accountability under such Program, S1636 [5FE]

———reform the Troubled Asset Relief Program and ensure accountability under such Program (H.R. 384), S366 [14JA]

———remove requirement to liquidate warrants if Troubled Asset Relief Program funds are returned by financial institutions, S5114, S5115 [5MY], S5173 [6MY]

———require Troubled Asset Relief Program assistance recipients to meet strict H-1B worker hiring standards to ensure non-displacement of U.S. workers, S1621, S1622 [5FE]

———sunset the Troubled Asset Relief Program, S10824, S10836 [28OC]

———terminate the Troubled Asset Relief Program, S8956, S8958, S8959, S8963 [6AU], S10982 [2NO]

———use of funds repaid by financial institutions who received assistance under the Troubled Asset Relief Program, S11981 [30NO]

Dept. of Transportation: establish voucher program for consumers to trade in a high polluting vehicle and purchase a more fuel efficient vehicle, S5933-S5936 [2JN], S6704-S6706 [17JN], S6773, S6776, S6782-S6785, S6787-S6790 [18JN], S6844 [19JN]

———establish voucher program for consumers to trade in a high polluting vehicle and purchase a more fuel efficient vehicle (H.R. 2751), S6478 [10JN], S6481 [11JN]

———establish voucher program for consumers to trade in a high polluting vehicle and purchase a more fuel efficient vehicle (S. 1135), S5841 [21MY]

———establish voucher program for consumers to trade in a high polluting vehicle and purchase a more fuel efficient vehicle (S. 1200), S6260-S6262 [8JN]

———limit provision of vouchers for consumers to trade in a high polluting vehicle and purchase a more fuel efficient vehicle based on income level, S8946-S8948, S8960, S8961 [6AU]

———making supplemental appropriations for voucher program for consumers to trade in a high polluting vehicle and purchase a more fuel efficient vehicle (H.R. 3435), S8647, S8701 [3AU], S8709, S8719, S8720 [4AU], S8895, S8946-S8967 [6AU], S9066, S9070 [7AU]

———making supplemental appropriations for voucher program for consumers to trade in a high polluting vehicle and purchase a more fuel efficient vehicle (H.R. 3435), unanimous-consent agreement, S8888 [5AU]

———move up termination date and delay new funding pending status report for voucher program for consumers to trade in a high polluting vehicle and purchase a more fuel efficient vehicle, S8948-S8950, S8961 [6AU], S9066 [7AU]

———voucher program for consumers to trade in a high polluting vehicle and purchase a more fuel efficient vehicle, S9174 [9SE]

———voucher program for consumers to trade in a high polluting vehicle and purchase a more fuel efficient vehicle funding through reductions in budgetary discretionary spending caps, S8950, S8951, S8962 [6AU]

Drug Price Competition and Patent Term Restoration Act: anniversary (S. Res. 287), S9853 [24SE]

Drugs: cost to produce drugs and devices that provide alternatives to surgery, S11838 [20NO]

Economy: impact of subprime mortgage lending, S3967 [30MR]

———national objectives priority assignments, S3047 [12MR]

———protect homeowners and consumers by reducing foreclosures, ensuring availability of credit for homeowners, businesses, and consumers, and reforming the financial regulatory system, S11981 [30NO]

———protect homeowners and consumers by reducing foreclosures, ensuring availability of credit for homeowners, businesses, and consumers, and reforming the financial regulatory system (S. 3), S44 [6JA], S153 [7JA]

———reform the financial regulatory system of the U.S., S11031 [3NO], S11094 [4NO], S11149-S11151 [5NO], S11484 [18NO]

———regulation of U.S. financial markets, S9898 [29SE], S10470 [15OC]

Education: provide grants to promote financial and economic literacy (S. 638), S5346 [12MY]

Energy Policy and Conservation Act: improve appliance standards (S. 598), S3116 [16MR]

EPA: clarify authority to regulate pesticides, S6500 [11JN]

Executive Office of the President: restore White House Office of Consumer Affairs, S1051 [29JA]

Fair Credit Reporting Act: require reporting agencies to provide free credit reports in certain languages other than English, S5364 [12MY]

FCC: establish broadband policy relative to Internet service providers' ability to manage and restrict network traffic, S10617-S10620 [21OC]

———prescribe a standard to preclude commercials from being broadcast at louder volumes than the program material they accompany (S. 2847), S12710 [8DE]

———prohibit from further regulating the Internet (S. 1836), S10702 [22OC]

FDA: ensure technology is available to achieve reductions required by tobacco product standards, S6144 [4JN]

———improve capacity to prevent, detect, and respond to food safety problems and the safety of imported food (S. 510), S2692 [3MR], S6912 [23JN], S7285 [9JY], S10658 [22OC], S11396 [17NO]

———provide with certain authority to regulate tobacco products (H.R. 1256), S4399 [2AP], S4405 [20AP], S5567 [19MY], S5887 [21MY], S6017-S6024 [3JN], S6140-S6155, S6161-S6174 [4JN], S6231, S6233, S6234, S6241-S6247 [8JN], S6327-S6329, S6335-S6342, S6347, S6352-S6354 [9JN], S6401, S6405, S6412, S6415 [10JN], S6497-S6501 [11JN], S6712 [17JN]

———provide with certain authority to regulate tobacco products (H.R. 1256), motion to proceed, S5918-S5922, S5924-S5941, S5984 [2JN], S5985, S5988, S5994, S5997-S6012, S6017 [3JN]

———provide with certain authority to regulate tobacco products (H.R. 1256), unanimous-consent agreement, S6228 [4JN], S6318 [8JN], S6389 [9JN]

———regulation of smokeless tobacco products, S5999-S6001 [3JN]

Federal Deposit Insurance Act: allow temporary waiver of State interest rate limit, S5475, S5492 [14MY], S6777 [18JN]

Federal Food, Drug, and Cosmetic Act: preserve ability to file State product liability lawsuits relative to defective medical devices, S1861 [6FE]

———preserve ability to file State product liability lawsuits relative to defective medical devices (S. 540), S2846-S2848 [5MR]

———prevent certain delays by pharmaceutical companies in allowing introduction of generic drugs (S. 1778), S10436 [14OC]

FHA: provide that the primary and foundational responsibility is to safeguard and preserve its own solvency, S4947 [30AP], S5054, S5055, S5057-S5059 [4MY]

Financial institutions: establish a small dollar loan-loss guarantee fund that institutions could access in order to mitigate risk associated with such loans (S. 2824), S12162 [2DE]

———provide oversight for Public-Private Investment Program, S5099, S5100, S5101, S5109 [5MY]

Financial Product Safety Commission: establish (S. 566), S2974 [10MR], S6700 [17JN]

Financial Services Systemic Risk Oversight Council: establish (S. 2756), S11249, S11250 [6NO]

Food: ensure safety of imported food (S. 429), S2239-S2243 [12FE]

———extend food labeling requirements to enable customers to make informed choices about nutritional content of standard menu items in large chain restaurants (S. 1048), S5522 [14MY]

———provide for enhanced foodborne illness surveillance and food safety capacity and establish regional food safety centers of excellence (S. 1269), S6911-S6913 [23JN], S7285 [9JY], S10658 [22OC]

Food industry: require processors of food products to certify that the processed food products are not adulterated (S. 2819), S12009-S12011 [30NO]

Foreign trade: require foreign manufacturers of products imported into the U.S. to establish registered agents in the U.S. who are authorized to accept service of process against such manufacturers (S. 1606), S9007-S9009 [6AU]

GAO: enhance oversight authority relative to Troubled Asset Relief Program expenditures (S. 340), S990 [28JA]

———enhance oversight authority relative to Troubled Asset Relief Program expenditures (S. 521), S2762 [4MR]

———require study on relationship between fluency in English and financial literacy, S5417 [13MY]

Health: allow individuals the option to purchase low-cost insurance plans that provide essential, basic coverage, S12995-S12998 [11DE]

———allow individuals to purchase catastrophic insurance plans regardless of age, S12875 [10DE]

———constitutionality of excise tax imposed on high-cost employer-sponsored insurance plans at non-uniform rates per State, S13015 [11DE]

———constitutionality of mandate requiring U.S. citizens to have health insurance, S13013-S13017 [11DE], S13094 [12DE], S13721-S13728, S13751-S13754, S13766, S13767 [22DE], S13822-S13826, S13830 [23DE]

———ensure health care reform includes an option to establish a federally-backed insurance pool to create options for consumers, S6174 [4JN]

———ensure health care reform includes an option to establish a federally-backed insurance pool to create options for consumers (S. Res. 156), S5875 [21MY], S11908 [21NO]

———ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers, S11075 [4NO], S11908 [21NO], S12030 [1DE], S13694 [21DE]

———ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers (S. 1681), S9556 [17SE], S10628-S10630 [21OC]

———provide a point of order against legislation that eliminates the ability to keep health plans or choice of doctor and prohibit legislation that increases enrollment in Government-managed health care, S4648-S4650, S4656 [23AP]

———provide an affordable and accountable public insurance option for consumers, S10409 [14OC]

———provide religious conscience exemption for mandate requiring U.S. citizens to have health insurance, S13778, S13779 [22DE]

———reduce health care and insurance costs through medical malpractice tort reform, S8242 [29JY], S10415 [14OC], S10533, S10538-S10542, S10560 [20OC], S11837 [20NO], S11954 [21NO], S11996 [30NO], S12109-S12112, S12125, S12137-S12139, S12146 [2DE], S12496-S12501, S12504, S12505, S12508 [5DE], S12523-S12528, S12532-S12543 [6DE], S13774 [22DE]

———strengthen privacy protections for consumer access to electronic medical records, S1426 [3FE], S2016 [9FE], S2303 [13FE]

Housing: require notice to consumers when a mortgage loan has been sold, transferred, or assigned to a third party, S5098, S5099 [5MY], S5173, S5174 [6MY]

Insurance: improve consumer protections for purchasers of long-term care insurance (S. 1177), S6046 [3JN]

Labeling: require that household cleaning products and similar products bear labels that state completely and accurately all of the ingredients of such products (S. 1697), S9735 [23SE]

Medicare: establish shared decision making standards and requirements and a pilot program for the implementation of shared decision making (S. 1133), S5836 [21MY]

———reduce coverage gap in prescription drug coverage through savings resulting from medical malpractice tort reform, S13592 [20DE]

Medicare/Medicaid: improve transparency of information on nursing and skilled nursing facilities and clarify and improve enforcement of requirements on such facilities (S. 647), S3554-S3556 [19MR]

Motor vehicles: ensure availability of dual-fueled automobiles and light duty trucks and require major fuel distributors to install blender pumps in increasing numbers (S. 1627), S9023 [6AU]

———require dealers to dispose of trade-in vehicles received through consumer voucher program by either donating the vehicle to a charitable organization or a low-income family, S8952-S8954, S8962 [6AU]

———subsidize for certain moderate-income consumers the purchase of new motor vehicles assembled in the U.S., S1533 [4FE], S1661 [5FE]

National Auctioneers Day: designate (S. Res. 86), S4104 [31MR]

National Cybersecurity Awareness Month: support goals and ideals (S. Res. 285), S9852 [24SE], S9941 [29SE]

National Extension Association of Family and Consumer Sciences: anniversary, S9294 [11SE]

Neighborhood Stabilization Program: provide foreclosure prevention assistance to families threatened with foreclosure and permit Statewide funding competition in minimum allocation States, S5111 [5MY], S5174 [6MY]

Obama, President: proposal to reform U.S. financial regulatory system, S6682, S6692-S6695, S6700 [17JN]

Patient Protection and Affordable Care Act: delay tax increases until health benefits begin, S12794 [9DE], S12863, S12864 [10DE], S12973-S12978 [11DE], S13132 [13DE], S13161, S13172 [14DE], S13208, S13209, S13239 [15DE], S13286-S13289, S13294-S13297 [16DE], S13364 [17DE]

Pharmaceuticals: importation of prescription drugs, S5927-S5929 [2JN], S6171 [4JN], S6233, S6234, S6246, S6247 [8JN], S6415 [10JN], S7299 [9JY], S10182-S10188, S10192 [7OC], S10404 [14OC], S10687-S10689 [22OC], S10804 [28OC], S10955 [30OC], S11876 [20NO], S12546, S12547 [6DE], S12686-S12688 [8DE], S12751-S12759, S12765, S12770-S12774, S12776-S12780, S12784-S12789, S12792 [9DE], S12870-S12872 [10DE], S12978 [11DE], S13082, S13083 [12DE], S13167, S13168, S13177 [14DE], S13212, S13216, S13219, S13221-S13235, S13238, S13239 [15DE], S13622 [20DE]

———importation of prescription drugs (S. 525), S2780 [5MR]

———importation of prescription drugs (S. 1232), S6478 [10JN], S6481 [11JN], S6866 [22JN], S8216 [29JY], S9713-S9715 [23SE], S9898 [29SE]

———prohibit brand name drug companies from compensating generic drug companies to delay the entry of a generic drug into the market, S13240 [15DE]

———prohibit brand name drug companies from compensating generic drug companies to delay the entry of a generic drug into the market (S. 369), S1433 [3FE]

Power resources: improve economy and security of the U.S. by reducing dependence on foreign and unsustainable energy sources and the risks of global warming (S. 5), S45 [6JA], S153 [7JA]

———provide a point of order against legislation that would impose a national energy tax on middle-income individuals, S4159 [1AP]

Privacy: prevent identity theft, ensure privacy, and enhance penalties, law enforcement, and protections against security breaches, fraudulent access, and misuse of personally identifiable information (S. 1490), S7871 [22JY]

Product safety: ban use of bisphenol A in food and beverage containers (S. 593), S3086 [12MR]

———establish a conditional stay of the ban on lead in children's products (S. 389), S1685 [5FE]

Public debt: require publication of certain facts on the national debt in IRS instructions, Federal websites, and new legislation, S5351-S5353 [12MY], S5423, S5424 [13MY]

Real estate: lower interest rates on 30-year fixed mortgages for creditworthy borrowers to refinance current loans or make new home purchases, S1373 [3FE], S1474-S1478, S1509 [4FE], S1648, S1654, S1657, S1662 [5FE], S2185 [12FE], S2409, S2410 [24FE]

———require certain mortgagees to make loan modifications, establish a grant program for State and local government mediation programs, and create databases on foreclosures (S. 1731), S9984 [30SE]

SBA: improve and extend certain disaster assistance and hurricane relief programs and provide assistance to homeowners affected by defective drywall imported from China (S. 2731), S11207-S11210 [5NO]

Schapiro, Mary L.: commend remarks relative to U.S. financial regulatory system reform, S11340 [10NO]

Senior citizens: ensure adequate public-private infrastructure and resolve to prevent, detect, treat, intervene in, and prosecute elder abuse, neglect, and exploitation, S12699 [8DE]

———ensure adequate public-private infrastructure and resolve to prevent, detect, treat, intervene in, and prosecute elder abuse, neglect, and exploitation (S. 795), S4331 [2AP]

———protect seniors from elder abuse by improving prosecution, law enforcement, and assistance to victims (S. 1821), S10641 [21OC]

———protect seniors from elder abuse by improving prosecution, law enforcement, and assistance to victims and encourage, enhance, and integrate Silver Alert plans throughout the U.S, S12699 [8DE]

Taxation: allow deductions for interest payments on car loans and sales and excise taxes on certain motor vehicle purchases, S1390, S1398, S1399, S1400 [3FE], S2041 [10FE], S2279, S2298, S2309, S2310 [13FE]

———allow long-term care insurance to be offered under cafeteria plans and flexible spending arrangements and provide additional consumer protections for long-term care insurance (S. 702), S3793 [25MR]

———make permanent the deduction of State and local general sales taxes, S4159 [1AP], S4860 [29AP]

———make permanent the deduction of State and local general sales taxes (S. 35), S53 [6JA]

———provide a point of order against consideration of legislation that increases taxes for middle-income individuals, S4655 [23AP]

———provide a point of order against consideration of legislation that increases taxes for middle-income individuals, including taxes derived from global warming pollution emissions cap and trade program, S4115-S4117, S4146 [1AP]

———provide additional protections for recipients of the earned income tax credit (S. 585), S3078 [12MR]

———provide incentives and fees for increasing motor vehicle fuel economy (S. 1620), S9018 [6AU]

Telephones: prohibit deceptive altering or disguising of caller identification on outbound telephone calls (S. 30), S173 [7JA]

———require accurate and reasonable disclosure of the terms and conditions of prepaid telephone calling cards and services (S. 562), S2967 [10MR]

Television: move forward the date on which the transition to digital television is to occur (S. 328), S847-S849 [26JA]

———move forward the date on which the transition to digital television is to occur (S. 352), S1050, S1051 [29JA]

———move forward the date on which the transition to digital television is to occur, unanimous-consent request, S657 [16JA]

———reauthorize, reform, and modernize satellite statutory license and conform satellite and cable statutory licenses to digital transmissions (S. 1670), S9374-S9378 [15SE]

Truth in Lending Act: establish fair and transparent practices related to marketing and provision of overdraft coverage programs at depository institutions (S. 1799), S10521 [19OC]

———extend credit card protections to small businesses, S5425 [13MY], S5471, S5488-S5491 [14MY]

———technical correction (H.R. 3606), S10943 [29OC]

Water: promote efficiency, conservation, and adaptation (S. 1712), S9843 [24SE]

Reports

Proposed Amendment to Arkansas State Constitution Relative to State Interest Rate Limit Removal, S6778-S6782 [18JN]

Sulfur Dioxide Cap-and-Trade Program: Congressional Research Service, H6059 [2JN]

Reports filed

Commercial Advertisement Loudness Mitigation (CALM) Act: Committee on Energy and Commerce (House) (H.R. 1084) (H. Rept. 111-374), H14876 [14DE]

Consideration of H.R. 384, TARP Reform and Accountability Act: Committee on Rules (House) (H. Res. 53) (H. Rept. 111-2), H194 [13JA]

———Committee on Rules (House) (H. Res. 62) (H. Rept. 111-3), H323 [14JA]

Consideration of H.R. 627, Credit Cardholders' Bill of Rights Act: Committee on Rules (House) (H. Res. 379) (H. Rept. 111-92), H4998 [29AP]

Consideration of H.R. 1106, Helping Families Save Their Homes Act: Committee on Rules (House) (H. Res. 190) (H. Rept. 111-21), H2833 [25FE]

———Committee on Rules (House) (H. Res. 205) (H. Rept. 111-23), H2978 [4MR]

Consideration of H.R. 1256, Family Smoking Prevention and Tobacco Control Act: Committee on Rules (House) (H. Res. 307) (H. Rept. 111-72), H4249 [31MR]

Consideration of H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act: Committee on Rules (House) (H. Res. 400) (H. Rept. 111-96), H5167 [5MY]

———Committee on Rules (House) (H. Res. 406) (H. Rept. 111-98), H5305 [6MY]

Consideration of H.R. 3639, Expedited CARD Reform for Consumers Act: Committee on Rules (House) (H. Res. 884) (H. Rept. 111-326), H12287 [3NO]

Consideration of H.R. 4173, Wall Street Reform and Consumer Protection Act: Committee on Rules (House) (H. Res. 956) (H. Rept. 111-365), H13627, H14370 [8DE]

———Committee on Rules (House) (H. Res. 964) (H. Rept. 111-370), H14742 [10DE]

Consideration of S. 352, DTV Delay Act: Committee on Rules (House) (H. Res. 108) (H. Rept. 111-11), H919 [3FE]

Consideration of Senate Amendment to H.R. 627, Credit Cardholders' Bill of Rights Act: Committee on Rules (House) (H. Res. 456) (H. Rept. 111-120), H5790 [19MY]

Consideration of Senate Amendment to H.R. 1256, Family Smoking Prevention and Tobacco Control Act: Committee on Rules (House) (H. Res. 532) (H. Rept. 111-145), H6616 [11JN]

Consumer Financial Protection Agency Act: Committee on Energy and Commerce (House) (H.R. 3126) (H. Rept. 111-367), H14445 [9DE]

Credit Card Accountability Responsibility and Disclosure (Credit CARD) Act: Committee on Banking, Housing, and Urban Affairs (S. 414) (S. Rept. 111-16), S5065 [4MY]

———Committee on Banking, Housing, and Urban Affairs (Senate) (S. 414), S4890 [29AP]

Credit Cardholders' Bill of Rights Act: Committee on Financial Services (House) (H.R. 627) (H. Rept. 111-88), H4838 [27AP]

Data Accountability and Trust Act: Committee on Energy and Commerce (House) (H.R. 2221) (H. Rept. 111-362), H13627, H14370 [8DE]

Derivatives Markets Transparency and Accountability Act: Committee on Agriculture (House) (H.R. 977) (H. Rept. 111-385), H15508 [23DE]

Expedited CARD Reform for Consumers Act: Committee on Financial Services (House) (H.R. 3639) (H. Rept. 111-314), H11790 [26OC]

Family Smoking Prevention and Tobacco Control Act: Committee on Energy and Commerce (House) (H.R. 1256) (H. Rept. 111-58), H4127 [30MR]

———Committee on Oversight and Government Reform (House) (H.R. 1256) (H. Rept. 111-58), H4127 [30MR]

Fight Fraud Act: Committee on the Judiciary (House) (H.R. 1748) (H. Rept. 111-95), H5095 [4MY]

Health Insurance Industry Antitrust Enforcement Act: Committee on the Judiciary (House) (H.R. 3596) (H. Rept. 111-322), H12197 [2NO]

Health Insurance Restrictions and Limitations Clarification Act: Committee on Energy and Commerce (House) (H.R. 1253) (H. Rept. 111-62), H4128 [30MR]

Mortgage Reform and Anti-Predatory Lending Act: Committee on Financial Services (House) (H.R. 1728) (H. Rept. 111-94), H5095 [4MY]

Personal Data Privacy and Security Act: Committee on the Judiciary (Senate) (S. 1490), S11205 [5NO]

———Committee on the Judiciary (Senate) (S. 1490) (S. Rept. 111-110), S13382 [17DE]

Preserve Access to Affordable Generics Act: Committee on the Judiciary (Senate) (S. 369), S10486 [15OC]

Preventing Harassment Through Outbound Number Enforcement (PHONE) Act: Committee on the Judiciary (House) (H.R. 1110) (H. Rept. 111-321), H12197 [2NO]

Provide a Safe Harbor for Mortgage Servicers Who Engage in Specified Mortgage Loan Modifications: Committee on Financial Services (House) (H.R. 788) (H. Rept. 111-13), H1156 [10FE]

Same-Day Consideration of Consideration of H.R. 4173, Wall Street Reform and Consumer Protection Act: Committee on Rules (House) (H. Res. 962) (H. Rept. 111-369), H14445 [9DE]

Same-Day Consideration of Consideration of S. 896, Helping Families Save Their Homes Act: Committee on Rules (House) (H. Res. 450) (H. Rept. 111-113), H5711 [18MY]

Satellite Statutory License and Conformation of Satellite and Cable Statutory Licenses to Digital Television Transmissions Reauthorization: Committee on the Judiciary (House) (H.R. 3570) (H. Rept. 111-319), H12043 [28OC]

Satellite Television Modernization Act: Committee on the Judiciary (Senate) (S. 1670), S9839 [24SE]

———Committee on the Judiciary (Senate) (S. 1670) (S. Rept. 111-98), S11344 [10NO]

Truth in Caller ID Act: Committee on Commerce, Science, and Transportation (Senate) (S. 30) (S. Rept. 111-96), S10989 [2NO]

Rulings of the Chair

Dept. of the Treasury: reform the Troubled Asset Relief Program and ensure accountability under such Program (H.R. 384), H414 [21JA]

FDA: provide with certain authority to regulate tobacco products (H.R. 1256), S6412 [10JN]

Summaries

Prevent Excessive Speculation Act (S. 447), S2340 [13FE]

Tables

Committee on the Budget (Senate) appropriations allocation revisions to S. Con. Res. 13, setting forth the Federal budget for 2009-2014, S6023, S6024 [3JN], S6712 [17JN]

Comparison of sample mortgage features, H5361 [7MY]

``Coverage Facts'' label for health insurance, S5528 [14MY]

Testimonies

Can Tobacco Cure Smoking? Review of Tobacco Harm Reduction: Richard H. Carmona, Public Health Service (2003), S5999-S6001 [3JN]

FDA Oversight Authority of Tobacco Industry: Steve Troxler, H4315 [1AP]

Impact of Economy-Wide Global Warming Pollution Emission Cap and Trade Program on Agriculture and Jobs in the Western States: James H. Magagna, S8629-S8631 [31JY]

Texts of

H. Res. 53, consideration of H.R. 384, TARP Reform and Accountability Act, H273 [14JA]

H. Res. 62, consideration of H.R. 384, TARP Reform and Accountability Act, H329 [15JA]

H. Res. 108, consideration of S. 352, DTV Delay Act, H976 [4FE]

H. Res. 190, consideration of H.R. 1106, Helping Families Save Their Homes Act, H2839 [26FE]

H. Res. 205, consideration of H.R. 1106, Helping Families Save Their Homes Act, H2986 [5MR]

H. Res. 307, consideration of H.R. 1256, Family Smoking Prevention and Tobacco Control Act, H4310 [1AP]

H. Res. 379, consideration of H.R. 627, Credit Cardholders' Bill of Rights Act, H5003 [30AP]

H. Res. 400, consideration of H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act, H5174 [6MY]

H. Res. 406, consideration of H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act, H5313 [7MY]

H. Res. 456, consideration of Senate amendment to H.R. 627, Credit Card Accountability Responsibility and Disclosure (Credit CARD) Act, H5808 [20MY]

H. Res. 532, consideration of Senate amendment to H.R. 1256, Family Smoking Prevention and Tobacco Control Act, H6623 [12JN]

H. Res. 797, support goals and ideals of National Cybersecurity Awareness Month, H11477 [20OC]

H. Res. 884, consideration of H.R. 3639, Expedited CARD Reform for Consumers Act, H12294 [4NO]

H. Res. 956, consideration of H.R. 4173, Wall Street Reform and Consumer Protection Act, H14408 [9DE]

H. Res. 962, same-day consideration of consideration of H.R. 4173, Wall Street Reform and Consumer Protection Act, H14481 [10DE]

H. Res. 964, consideration of H.R. 4173, Wall Street Reform and Consumer Protection Act, H14487 [10DE]

H.R. 384, TARP Reform and Accountability Act, H335-H343 [15JA]

H.R. 448, Elder Abuse Victims Act, H1120-H1122 [10FE]

H.R. 627, Credit Card Accountability Responsibility and Disclosure (Credit CARD) Act, S5573-S5581 [19MY], H5824-H5832 [20MY]

H.R. 627, Credit Cardholders' Bill of Rights Act, H5013-H5016 [30AP]

H.R. 1084, Commercial Advertisement Loudness Mitigation (CALM) Act, H14907 [15DE]

H.R. 1106, Helping Families Save Their Homes Act, H2997-H3001 [5MR]

H.R. 1110, Preventing Harassment Through Outbound Number Enforcement (PHONE) Act, H14896 [15DE]

H.R. 1242, Dept. of the Treasury Troubled Asset Relief Program additional monitoring and accountability, H13405 [2DE]

H.R. 1253, Health Insurance Restrictions and Limitations Clarification Act, H4087 [30MR]

H.R. 1256, Family Smoking Prevention and Tobacco Control Act, S6501-S6523 [11JN], H4318-H4338 [1AP], H6630-H6651 [12JN]

H.R. 1674, treat the National Consumer Cooperative Bank nonprofit corporation affiliate as a community development financial institution, H6832 [16JN]

H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act, H5325-H5343 [7MY]

H.R. 2221, Data Accountability and Trust Act, H13586-H13590 [8DE]

H.R. 2751, Consumer Assistance To Recycle and Save Act, H6345-H6347 [9JN]

H.R. 3435, Dept. of Transportation supplemental appropriations for voucher program for consumers to trade in a high polluting vehicle and purchase a more fuel efficient vehicle, H9233 [31JY]

H.R. 3570, Satellite Home Viewer Reauthorization Act, H13428-H13438 [2DE]

H.R. 3606, Credit CARD Technical Corrections Act, H11257 [13OC]

H.R. 3639, Expedited CARD Reform for Consumers Act, H12311 [4NO]

H.R. 3763, provide an exclusion from Fair Credit Reporting Act Red Flag Guidelines for certain small businesses, H11467 [20OC]

H.R. 4173, Wall Street Reform and Consumer Protection Act, H14496-H14650 [10DE]

S. 3, Homeowner Protection and Wall Street Accountability Act, S44 [6JA]

S. 5, Cleaner, Greener, and Smarter Act, S45 [6JA]

S. 30, Truth in Caller ID Act, S174 [7JA]

S. 35, make permanent the deduction of State and local general sales taxes, S53 [6JA]

S. 131, Credit Card Minimum Payment Notification Act, S103 [6JA]

S. 148, Discount Pricing Consumer Protection Act, S134 [6JA]

S. 247, Accelerated Retirement of Inefficient Vehicles Act, S396 [14JA]

S. 328, DTV Delay Act, H584 [27JA]

S. 352, DTV Delay Act, S1050 [29JA], H984 [4FE]

S. 369, Preserve Access to Affordable Generics Act, S1433 [3FE]

S. 429, Ending Agricultural Threats—Safeguarding America's Food for Everyone (EAT SAFE) Act, S2240-S2242 [12FE]

S. 447, Prevent Excessive Speculation Act, S2337-S2340 [13FE]

S. 500, Protecting Consumers From Unreasonble Credit Rates Act, S2571 [26FE]

S. 510, FDA Food Safety Modernization Act, S2693-S2705 [3MR]

S. 562, Prepaid Calling Card Consumer Protection Act, S2968-S2970 [10MR]

S. 566, Financial Product Safety Commission Act, S2975-S2978 [10MR]

S. 585, Taxpayer Abuse Prevention Act, S3078 [12MR]

S. 593, Ban Poisonous Additives Act, S3087 [12MR]

S. 598, Appliance Standards Improvement Act, S3117-S3119 [16MR]

S. 608, Common Sense in Consumer Product Safety Act, S3166 [17MR]

S. 702, Long-Term Care Affordability and Security Act, S3793 [25MR]

S. 723, Protect Children From Dangerous Lighters Act, S3924 [26MR]

S. 836, provide subpoena authority to the Congressional Oversight Panel of the Dept. of the Treasury Troubled Asset Relief Program, S4449 [20AP]

S. 896, Helping Families Save Their Homes Act, S5185-S5205 [6MY], S5744-S5764 [20MY], H5740-H5760 [19MY]

S. 900, Credit Card Safety Star Act, S4757-S4760 [27AP]

S. 931, Arbitration Fairness Act, S4898 [29AP]

S. 982, Family Smoking Prevention and Tobacco Control Act, S5143-S5163 [5MY]

S. 1050, Informed Consumer Choices in Health Care Act, S5524-S5527 [14MY]

S. 1133, Empowering Medicare Patient Choices Act, S5836-S5840 [21MY]

S. 1135, Drive America Forward Act, S5841-S5843 [21MY]

S. 1177, Confidence in Long-Term Care Insurance Act, S6046-S6050 [3JN]

S. 1200, Short Term Accelerated Retirement of Inefficient Vehicles Act, S6262-S6265 [8JN]

S. 1248, Green Transportation Efficiency Act, S6554-S6556 [11JN]

S. 1278, Consumers Health Care Act, S6723-S6727 [17JN]

S. 1490, Personal Data Privacy and Security Act, S7872-S7879 [22JY]

S. 1620, Efficient Vehicle Leadership Act, S9019 [6AU]

S. 1627, Consumer Fuels and Vehicle Choice Act, S9024 [6AU]

S. 1670, Satellite Television Modernization Act, S9374-S9377 [15SE]

S. 1681, Health Insurance Industry Antitrust Enforcement Act, S9556 [17SE]

S. 1697, Household Product Labeling Act, S9735 [23SE]

S. 1712, Water Efficiency, Conservation, and Adaptation Act, S9846-S9848 [24SE]

S. 1731, Preserving Homes and Communities Act, S9985-S9988 [30SE]

S. 1799, Fairness and Accountability in Receiving (FAIR) Overdraft Coverage Act, S10522-S10524 [19OC]

S. 1927, Credit Card Rate Freeze Act, S10737 [26OC]

S. 2731, SBA Disaster Recovery and Reform Act, S11210-S11212 [5NO]

S. 2819, Processed Food Safety Act, S12011 [30NO]

S. Con. Res. 32, include consumer protections in health care reform legislation, S7102 [25JN]

S. Res. 86, National Auctioneers Day, S3933 [26MR], S4104 [31MR]

S. Res. 91, investigate drywall imports from China, prohibit further imports, recall hazardous drywall, seek penalties against manufacturers, and provide assistance to homeowners affected by hazardous drywall, S4006 [30MR]

S. Res. 147, National Travel and Tourism Week, S5378 [12MY]

S. Res. 156, ensure health care reform includes an option to establish a federally-backed insurance pool to create options for consumers, S5875 [21MY]

S. Res. 285, support goals and ideals of National Cybersecurity Awareness Month, S9851 [24SE], S9941 [29SE]

S. Res. 287, Drug Price Competition and Patent Term Restoration Act anniversary, S9853 [24SE]