CREDIT

Addresses

Too Big Has Failed: Thomas Hoenig, Federal Reserve Bank of Kansas City, MO, S3037-S3039 [12MR]

Amendments

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 Justice: improve enforcement of mortgage fraud, securities fraud, financial institution fraud and other frauds related to Federal assistance and relief programs (S. 386), S4531, S4538, S4539, S4540, S4542, S4543, S4552, S4554, S4555, S4557, S4558, S4559, S4588, S4589, S4590, S4591, S4592, S4593, S4594, S4595 [22AP], S4605, S4607, S4608, S4611, S4615, S4616, S4620, S4631, S4700, S4701, S4702, S4703, S4704 [23AP], S5495, S5537 [14MY], H5686 [18MY]

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]

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]

Federal aid programs: restore funds to the Highway Trust Fund, Unemployment Trust Fund, and FHA and Ginnie Mae (Government-sponsored enterprise) mortgage programs (H.R. 3357), S8285, S8286 [29JY], S8508, S8514, S8517, S8528, S8607 [30JY]

Government regulations: 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]

Higher Education Act: amend (H.R. 3221), H9604, H9624, H9630, H9632, H9634, H9635, H9636 [16SE], H9675, H9676, H9677, H9678, H9679, H9680, H9681, H9682, H9683, H9684, H9685, H9686, H9687, H9688, H9689, H9693, H9694, H9699, H9701 [17SE]

Mortgages: 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]

———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 originators, and provide certain minimum standards for loans (H.R. 1728), consideration (H. Res. 406), H5315 [7MY]

Small Business Act: extend programs (S. 1929), S10943 [29OC], H11987 [28OC]

Small Business Investment Act: extend programs (S. 1929), S10943 [29OC], H11987 [28OC]

Analyses

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

Articles and editorials

AIG and ``Political Risk'', S3586 [23MR]

As Foreclosures Surge . . ., H5084 [4MY]

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]

Big Banks Take Your Money and Run, H11765 [26OC]

Break Up the Banks, H4756 [27AP]

Colleges Are Pushed To Convert Loan System, S10819 [28OC]

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]

FBI Probes 530 Corporate Fraud Cases, S2316 [13FE]

Financial Fraud Is Focus of Attack by Prosecutors, S4534 [22AP]

Firms to Which It Paid Taxpayer Money Tracking the Bailout—Foreign and U.S. Banks Were Given Billions Against Bad Debt, H3488 [17MR]

Fixing the Bankruptcy System, S5484 [14MY]

Foreclosures—No End in Sight, H6055 [2JN]

Fraud Factor, S4534 [22AP]

HUD Chief Calls Aid on Mortgages a Failure, H362 [15JA]

In White House Meeting, Obama Calls on Banks To Increase Lending, H15475 [16DE]

Leadership and Panics, H417 [21JA]

Lending Drops at Big U.S. Banks—Top Beneficiaries of Federal Cash Saw Outstanding Loans Decline 1.4% Last Quarter, H509 [26JA]

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

Need a Student Loan?, H9564 [16SE]

New Financial Foundation, H7072 [19JN]

New Housing Tax Credit Prompts Rise in Buying, S1476 [4FE]

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]

Oxley Hits Back at Ideologues, H4500 [2AP]

Philadelphia Gives Homeowners a Way To Stay Put, S11583 [19NO]

Private Sector Loans, Not Fannie or Freddie, Triggered Crisis, H4499 [2AP]

Probe Yourselves, H5267 [6MY]

Rise in Fraud Cases Is ``Straining'' FBI, S2315 [13FE]

Rolling Up the TARP, S10836 [28OC]

Spike in Fraud Investigations Taxing Law Enforcement Resources, Officials Testify, S2315 [13FE]

Stimulus Spending Remains Ripe for Fraud, S4534 [22AP]

Talking Business—Only a Hint of Roosevelt in Financial Overhaul, H7073 [19JN]

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

Trying To Rein in ``Too Big To Fail'' Institutions, H11764 [26OC]

Washington Gone Wild, S3586 [23MR]

Where'd the Bailout Money Go? Shhhh, It's a Secret, S580 [15JA]

Bills and resolutions

Antitrust policy: amend laws to ensure competitive market-based rates and terms for merchants' access to electronic payment systems (see S. 1212), S6364 [9JN] (see H.R. 2695), H6262 [4JN]

Armed Forces: extend certain enhanced mortgage and mortgage foreclosure protections (see H.R. 3976), H12141 [29OC]

Bankruptcy: amend laws relative to modification of certain mortgages on principal residences (see S. 61), S41 [6JA] (see H.R. 200), H35 [6JA] (see H.R. 225), H68 [7JA]

———provide assistance to retailers to avoid foreclosure and liquidation (see H.R. 1942), H4522 [2AP]

———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]

Commission on Financial Crisis Accountability: establish (see H.R. 768), H778 [28JA]

Commission on the Foreclosure and Mortgage Lending Crisis: establish (see H.R. 1285), H2925 [3MR]

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

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

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

———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]

———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]

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

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

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

———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]

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] (see H.R. 3959), H12044 [28OC]

———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 abuse of Government credit cards (see S. 942), S4963 [30AP] (see H.R. 216), H36 [6JA] (see H.R. 2189), H5060 [30AP]

———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]

———require creditors to report terms and conditions of business, marketing, promotional, and college affinity card agreements with institutions of higher education and alumni organizations (see H.R. 2217), H5061 [30AP]

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

Dept. of Agriculture: permit refinancing of certain guaranteed loans under the Rural Housing Service (see H.R. 2034), H4686 [22AP]

———provide for resolution of certain discrimination claims by women farmers and reform loan system in order to end gender discrimination (see H.R. 4264), H14742 [10DE]

———provide for subsidies for interest on loans for rural multifamily housing guaranteed by the Rural Housing Service (see H.R. 1989), H4580 [21AP]

Dept. of Education: extend authority to purchase guaranteed student loans (see S. 2796), S11492 [18NO] (see H.R. 4103), H13265 [18NO]

———provide that interest shall not accrue on Federal Direct Loans for active duty servicemembers regardless of disbursement date (see S. 1775), S10362 [13OC] (see H.R. 3956), H12044 [28OC]

Dept. of HHS: establish a loan program for eligible hospitals to establish residency training programs (see H.R. 914), H1079 [9FE]

———provide for the participation of optometrists in the National Health Service Corps scholarship and loan repayment programs (see H.R. 1884), H4519 [2AP]

———provide for the participation of physical therapists in the National Health Service Corps Loan Repayment Program (see S. 1057), S5502 [14MY] (see H.R. 988), H1247 [11FE]

———reauthorize the National Health Service Corps scholarship and loan repayment programs (see H.R. 2957), H7022 [18JN]

Dept. of HUD: improve the Hope for Homeowners Program (see H.R. 787), H875 [2FE]

———make temporary mortgage assistance loans to save homes of unemployed homeowners who are delinquent on their mortgage payments (see H.R. 3066), H7703 [26JN]

———provide for semiannual actuarial studies of FHA mortgage insurance program (see H.R. 2467), H5712 [18MY]

———replace the Hope for Homeowners Program with a new program (see H.R. 1331), H3053 [5MR]

Dept. of Justice: establish the Nationwide Mortgage Fraud Task Force (see S. 365), S1431 [3FE] (see H.R. 529), H324 [14JA]

———improve enforcement of mortgage fraud, securities fraud, financial institution fraud and other frauds related to Federal assistance and relief programs (see S. 386), S1677 [5FE]

———limit or recover excessive compensation paid or payable by entities that have received Federal financial assistance (see H.R. 1575), H3526 [17MR]

Dept. of the Treasury: authorize a grant program to provide for expanded access to mainstream financial institutions (see S. 786), S4310 [2AP]

———create a program to guarantee loans made to manufacturing companies in order to promote increased domestic lending to the U.S. manufacturing industry (see H.R. 2936), H7021 [18JN]

———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]

———direct unused Troubled Asset Relief Program funds to Making Home Affordable Program (see H.R. 1764), H4063 [26MR]

———disapprove expenditures exceeding certain amounts for the Troubled Asset Relief Program intended to bailout financial institutions (see S.J. Res. 5), S337 [13JA] (see H.J. Res. 3), H36 [6JA] (see H.J. Res. 19), H382 [15JA]

———ensure that recipients of assistance received under the Troubled Asset Relief Program repay such assistance only if they would remain well-capitalized (see H.R. 2907), H6903 [16JN]

———establish a revolving loan fund program for certain businesses to facilitate increased lending (see H.R. 4340), H15499 [16DE]

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

———express that any interest or dividends repaid through the Troubled Asset Relief Program should be used solely for debt reduction (see H. Res. 639), H8025 [13JY]

———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 limitations on certain expenditures by participants in the Troubled Asset Relief Program (see S. 463), S2423 [24FE]

———improve authority of Special Inspector General for the Troubled Asset Relief Program (see S. 383), S1542 [4FE] (see H.R. 1341), H3054 [5MR]

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

———prohibit Troubled Asset Relief Program assistance recipients from funding Association of Community Organizations for Reform Now, Inc. (ACORN) (see S. 1710), S9840 [24SE] (see H.R. 3696), H10455 [1OC]

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

———provide more detailed repayment procedures for assistance received under the Troubled Asset Relief Program (see H.R. 2118), H4839 [27AP]

———provide repayment procedures for certain assistance received under the Troubled Asset Relief Program (see H.R. 2745), H6305 [8JN]

———provide rules for the modification or disposition of certain assets by real estate mortgage investment conduits under the Troubled Asset Relief Program (see S. 376), S1542 [4FE]

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

———provide Troubled Asset Relief Program funds for a voluntary employees' beneficiary association for former Delphi Corp., employees (see S. 1663), S9295 [11SE] (see H.R. 3455), H9276 [31JY]

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

———redeploy Troubled Asset Relief Program funds into a Community Credit Renewal Fund to stimulate community bank lending (see S. 1822), S10635 [21OC]

———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]

———repeal authority to extend the Troubled Asset Relief Program (see S. 2787), S11430 [17NO] (see H.R. 4110), H13265 [18NO] (see H.R. 4170, 4171), H13465 [2DE]

———repeal authority to extend the Troubled Asset Relief Program and returm all unobligated funds to reduce the deficit (see H.R. 4157), H13353 [19NO]

———require any amounts repaid by financial institutions receiving Troubled Asset Relief Program assistance be used for debt reduction (see S. 862), S4573 (see S. 869), S4574 [22AP] (see S. 1243), S6542 [11JN] (see S. 1683), S9554 [17SE] (see H.R. 2063), H4731 [23AP] (see H.R. 2119), H4839 [27AP] (see H. Res. 714), H9280 [31JY]

———require congressional approval for certain expenditures for the Troubled Asset Relief Program intended to bailout financial institutions (see S. 64), S41 [6JA]

———require financial institutions receiving assistance under the Troubled Asset Relief Program to report increases in new lending that are attributable to such assistance (see H.R. 387), H159 [9JA]

———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]

———require Special Inspector General for the Troubled Asset Relief Program to include the effect of the program on small businesses in oversight, audits, and reports (see H.R. 3179), H8008 [10JY]

———rescind unobligated Troubled Asset Relief Program funds and require any amounts repaid by financial institutions receiving assistance be used for debt reduction (see H.R. 3140), H7945 [9JY]

———restrict use of Troubled Asset Relief Program funds for domestic purposes (see H.R. 1761), H4062 [26MR]

———restrict which assets banks can write off as loss under the Troubled Asset Relief Program (see H.R. 421), H161 [9JA]

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

Discrimination: prohibit creditors from discriminating on account of sexual orientation or gender identity when extending credit (see H.R. 4376), H15500 [16DE]

District of Columbia: eliminate all federally imposed mandates over the local budget process, financial management, and the borrowing of money (see H.R. 1045), H1519 [12FE]

Economy: establish a Federal Board of Certification to enhance the transparency, credibility, and stability of financial markets (see S. 1592), S8992 [6AU]

———establish a select committee to make a thorough and complete investigation of the causes of the current financial crisis and other matters (see H. Res. 345), H4582 [21AP]

———establish reporting requirements for Troubled Asset Relief Program or American Recovery and Reinvestment Act funds and establish a waste, fraud, and abuse hotline for such funds (see H.R. 1472), H3400 [12MR]

———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 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 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]

———provide loan forgiveness to teachers of integrated career and technical education coursework at rural secondary schools (see H.R. 2403), H5663 [14MY]

Employment: 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]

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

———exclude certain small health care practices from Red Flag Guidelines (see H.R. 2345), H5483 [12MY]

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

Family Foreclosure Rescue Corp.: establish (see H.R. 2394), H5581 [13MY]

Fannie Mae and Freddie Mac Investigative Commission: establish (see H.R. 1929), H4521 [2AP]

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

FDIC: establish a systematic mortgage modification program (see S. 73), S41 [6JA] (see H.R. 37), H29 [6JA]

Federal aid programs: restore funds to the Highway Trust Fund, Unemployment Trust Fund, and FHA and Ginnie Mae (Government-sponsored enterprise) mortgage programs (see H.R. 3357), H8959 [28JY]

Federal employees: require Members of Congress and senior public officials required to file financial disclosure statements to disclose the value of, and mortgage information on, all personal residences (see H.R. 2128), H4839 [27AP]

FHA: revise requirements for seller-financed downpayments for certain insured mortgages for single-family housing (see H.R. 600), H386 [16JA]

Financial institutions: authorize regulation of credit default swaps and other swap agreements (see S. 961), S5065 [4MY]

———create a financial stability council to oversee the financial regulatory activities of the Government (see S. 664), S3609 [23MR] (see H.R. 1754), H4062 [26MR]

———encourage banks and mortgage servicers to work with families affected by contaminated drywall to allow temporary forebearance without penalty on mortgage payments (see S. Res. 352), S11344 [10NO] (see H. Con. Res. 197), H11166 [8OC]

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

———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]

———exempt well-managed community-based depository institutions from certain capitalization, debt, and accounting requirements to ensure access to credit by small businesses and family farms (see H. Res. 943), H13520 [3DE]

———prohibit credit default swaps and provide the SEC with the authority to regulate swap agreements (see H.R. 3145), H7945 [9JY]

———promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners Program, and other enhancements (see H.R. 703), H601 [27JA]

———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 lenders of loans with Federal guarantees or Federal insurance to consent to mandatory mediation (see S. 2912), S13458 [18DE]

———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]

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 Literacy Month: designate (see S. Res. 94), S4063 [31MR] (see H. Res. 357), H4733 [23AP]

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

FTC: 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]

GAO: authorize reviews of any credit facility established by the FRS Board of Governors or any Federal reserve bank during the current financial crisis (see S. 1457), S7555 [15JY] (see H.R. 2424), H5665 [14MY]

———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]

———review emergency credit facilities established by the FRS or any Federal Reserve bank (see S. 1803), S10570 [20OC]

Government regulations: 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]

———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]

Health care professionals: establish and carry out a pediatric specialty loan repayment program (see S. 1206), S6255 [8JN] (see H.R. 4273), H14743 [10DE]

———provide for a competitive loan repayment program for primary care physicians volunteering part-time at community health centers (see H.R. 1185), H2834 [25FE]

———provide for a loan repayment program for faculty members at programs of general dentistry or pediatric dentistry to alleviate faculty shortages (see H.R. 1930), H4521 [2AP]

Heartland Disaster Tax Relief Act: extend certain housing-related deadlines (see S. 2815), S11883 [20NO] (see H.R. 4205), H13519 [3DE]

Higher Education Act: amend (see H.R. 3221), H8184 [15JY]

———amend (H.R. 3221), consideration (see H. Res. 746), H9548 [15SE]

———authorize refinancing of private education loans under the Federal student loan program (see S. 1541), S8557 [30JY]

———expand teacher loan forgiveness (see H.R. 13), H28 [6JA]

———expand teacher loan forgiveness provisions to include speech-language pathologists (see H.R. 209), H35 [6JA]

Housing: establish a downpayment requirement for certain home loan programs and repeal and prohibit certain downpayment assistance initiatives (see H.R. 2922), H6972 [17JN]

———establish a program to assist homeowners experiencing temporary difficulty making mortgage payments (see H.R. 3142), H7945 [9JY]

———prevent foreclosure of home mortgages and increase availability of affordable new mortgages (see H.R. 230), H68 [7JA]

———protect the interests of bona fide tenants in the case of any foreclosure on any dwelling or residential real property (see H.R. 1247), H2886 [2MR]

———reduce foreclosures of residential mortgages (see H.R. 1356), H3054 [5MR]

Immigration: close loophole that allowed 9/11 hijackers to obtain credit cards from U.S. banks and ensure illegal immigrants cannot obtain credit cards to evade U.S. immigration laws (see S. 84), S41 [6JA]

Investments: ensure uniform and accurate credit rating of municipal bonds and review the municipal bond insurance industry (see H.R. 2549), H6008 [21MY]

———regulate futures transactions involving energy commodities and credit default swaps and strengthen FERC enforcement authorities (see H.R. 2448), H5666 [14MY]

Medicare: establish a loan repayment program for participating qualifying physicians and nurse practitioners (see H.R. 2784), H6537 [10JN]

Members of Congress: require public disclosure of the terms of home mortgages held by Members of Congress (see S. 1632), S8993 [6AU] (see H.R. 3965), H12140 [29OC]

Mortgages: declare national residential mortgage foreclosure emergency and encourage States to enact a temporary moratorium on foreclosures (see H. Res. 181), H2602 [23FE] (see H. Res. 186), H2632 [24FE]

———ensure that borrowers under federally related mortgage loans have an opportunity to inspect closing documents (see H.R. 4229), H13627 (see H.R. 4229), H14371 [8DE]

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

———improve process through which loan originators participate in FHA mortgage programs (see H.R. 1116), H2601 [23FE]

———increase loan limits for FHA single family housing mortgage insurance programs and reverse mortgage program and for the conforming loan limits for Fannie Mae and Freddie Mac (see H.R. 587), H381 [15JA]

———increase maximum loan limits for FHA multi-family housing projects with elevators and for extremely high-cost areas (see H.R. 3527), H9279 [31JY]

———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]

———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 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 issuance of residential mortgages to individuals who lack a Social Security account number (see H.R. 1268), H2924 [3MR]

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

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

———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]

———require borrowers under FHA-insured mortgages for single-family housing to make certain minimum downpayments and prohibit financing of closing costs under such mortgages (see H.R. 3706), H10456 [1OC]

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

———require the filing of certain information regarding a residential mortgage in any proceeding for mortgage foreclosure (see H.R. 1123), H2601 [23FE]

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

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

National Infrastructure Development Bank: establish (see H.R. 2521), H5891 [20MY]

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 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]

Real estate: impose a moratorium on the Home Valuation Code of Conduct (see H.R. 3044), H7445 [25JN]

Real Estate Settlement Procedures Act: require mortgagees for mortgages in default to engage in reasonable loss mitigation activities (see H.R. 3451), H9276 [31JY]

SBA: establish a small business intermediary lending pilot program (see S. 2780), S11430 [17NO]

———establish a temporary program to assist small business concerns by decreasing interest payments for certain loans (see H.R. 2281), H5306 [6MY]

———establish a temporary program under which loans are made to small businesses that are nonprofit child care businesses (see S. 2661), S10990 [2NO]

———establish and carry out a direct lending program for small business concerns (see H.R. 4265), H14742 [10DE] (see H.R. 4295), H14826 [11DE]

———improve certain loan programs (see S. 2918), S13698 [21DE]

———improve the Express Loan Program (see S. 2808), S11883 [20NO]

———improve the Microloan Program (see H.R. 1756), H4062 [26MR] (see H.R. 3737), H11110 [7OC]

———increase level of participation in certain guaranteed loans (see H.R. 575), H380 [15JA]

———increase loan limits and provide for low-interest refinancing for small businesses (see S. 1832), S10635 [21OC] (see H.R. 4302), H14877 [14DE]

———increase maximum loan amount under the Express Loan Program (see H.R. 3529), H9279 [31JY]

———reauthorize and expand the New Markets Venture Capital Program (see S. 1831), S10635 [21OC]

SEC: enhance oversight of nationally recognized statistical credit rating organizations (see S. 927), S4891 [29AP] (see H.R. 3890), H11581 [21OC]

———establish a process by which asset-backed instruments can be deemed eligible for Nationally Recognized Statistical Rating Organization ratings and a list of such eligible asset-backed instruments (see H.R. 1181), H2834 [25FE]

———strengthen oversight of credit rating agencies and improve accountability and accuracy of credit ratings (see S. 1073), S5614 [19MY] (see H.R. 3214), H8099 [14JY]

Securities: comprehensively regulate derivatives markets to increase transparency and reduce risks in the financial system (see S. 1691), S9653 [22SE]

———treat covered bonds the same as other qualified financial contracts to which a depository institution is a party when such institution is in receivership or conservatorship (see H.R. 2896), H6903 [16JN]

Small business: authorize certain debt refinancing (see H.R. 2527), H5891 [20MY]

———increase loan limits and provide for low-interest refinancing (see S. 2869), S12909 [10DE]

———take steps to stop the small business credit crunch (see S. 1615), S8993 [6AU]

Small Business Act: extend programs (see S. 1513), S8094 [24JY] (see S. 1929), S10735 [26OC]

Small Business Investment Act: extend programs (see S. 1513), S8094 [24JY] (see S. 1929), S10735 [26OC]

Social Security: enhance privacy protections for individuals and prevent fraudulent misuse of account numbers (see H.R. 3306), H8706 [23JY]

———issue uniform standards for the truncation of account numbers to protect from fraud or identity theft and prohibit display on the Internet of such account numbers (see S. 1618), S8993 [6AU]

———limit the misuse of Social Security numbers and establish criminal penalties for such misuse (see S. 141), S43 [6JA] (see H.R. 122), H32 [6JA]

———notify individuals of improper use of their Social Security account numbers (see H.R. 531), H324 [14JA]

———provide that individuals and appropriate authorities are notified by SSA of evidence of misuse of account numbers of such individuals (see H.R. 133), H32 [6JA]

———require an employer to take action after learning that an individual's account number does not match the individual's name (see H.R. 137), H32 [6JA]

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

Taxation: allow a refundable credit for the purchase of a residence (see H.R. 101), H31 [6JA]

———amend tax treatment of certain discharged indebtedness (see S. 31, 33), S40 [6JA] (see H.R. 683), H525 [26JA]

———exclude capital gains on sales and exchanges of residences purchased in a foreclosure sale (see H.R. 3520), H9279 [31JY]

———exclude from gross income discharges of personal indebtedness outside of bankruptcy (see H.R. 2445), H5665 [14MY]

———exclude from gross income discharges of student loans the repayment of which is income contingent or income based (see H.R. 2492), H5791 [19MY]

———exclude from gross income the gain from the sale or exchange of certain residences acquired before a certain date (see H.R. 755), H778 [28JA]

———extend and expand the homebuyer tax credit (see H.R. 3779), H11166 [8OC]

———extend and modify the homebuyer tax credit (see H.R. 1344), H3054 [5MR] (see H.R. 1453), H3338 [11MR] (see H.R. 2606), H6011 [21MY]

———impose a tax on over-the-counter derivatives transactions (see H.R. 3153), H7946 [9JY]

———impose an excise tax on bonuses paid to employees by businesses that receive Federal emergency economic assistance and limit amount of compensation that employees may defer from taxation (see S. 651), S3550 [19MR]

———impose an excise tax on bonuses paid to employees by businesses that receive Troubled Asset Relief Program assistance (see H.R. 1572), H3526 [17MR]

———maintain current standards of the Federal mortgage interest deduction (see H. Con. Res. 130), H5891 [20MY]

———make permanent the deductions for State and local sales tax, qualified tuition and related expenses, and mortgage interest premiums, and modify the homebuyer credit (see H.R. 1805), H4249 [31MR]

———provide a credit for certain home purchases (see S. 1230), S6452 [10JN] (see H.R. 214), H36 [6JA] (see H.R. 1245), H2886 [2MR] (see H.R. 3760), H11165 [8OC] (see H.R. 3825), H11457 [15OC]

———provide a credit to individuals who pay their mortgages on time (see H.R. 1317), H2980 [4MR]

———provide a Federal income tax exclusion for assistance provided to participants in State student loan programs for certain health professionals (see S. 860), S4573 [22AP]

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

———provide for the deductibility of higher education expenses and interest on student loans (see H.R. 1954), H4522 [2AP]

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

———treat nonrecourse small business investment company loans from the SBA as amounts at risk for purposes of determining the deduction for losses (see H.R. 4211), H13520 [3DE]

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]

———provide coverage for credit cards issued to small businesses (see H.R. 3457), H9276 [31JY]

———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]

Veterans: waive housing loan fees for veterans with service-connected disabilities called to active service (see H.R. 2180), H4999 [29AP]

Yunus, Muhammad: award Congressional Gold Medal (see S. 846), S4513 [21AP] (see H.R. 2000), H4580 [21AP]

Cloture motions

———improve enforcement of mortgage fraud, securities fraud, financial institution fraud and other frauds related to Federal assistance and relief programs (S. 386), motion to proceed, S4399 [2AP]

Government regulations: 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]

Descriptions

Student Aid and Fiscal Responsibility Act (H.R. 3221): Provisions on Prohibition on Awarding Contracts, Grants, or Other Federal Funds to, or Engaging in Activities That Promote Certain Indicted Organizations, E2375 [25SE]

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]

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]

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]

Encourage Fannie Mae and Freddie Mac to take into account the health of the local housing market relative to condominium and cooperative housing mortgages: Gregory J. Gagnon and Russell Clay, Central Bank of Lake of the Ozarks, H5365 [7MY]

———Vicki Brown, Lake Ozark Property Inc., H5365 [7MY]

End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act: Douglas G. Baird, H4281 [1AP]

———Kenneth N. Klee, H4281 [1AP]

———Laurence H. Tribe, H4277-H4279 [1AP]

———Michael J. Gerhardt, H4279 [1AP]

Ensure continued access to Federal student loan program by encouraging conversion from Federal Family Education Loan Program to Direct Loan Program: Arne Duncan, Sec. of Education, S10819 [28OC]

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]

FDIC borrowing authority: Ben S. Bernanke, FRS, S1791 [6FE]

———Sheila C. Bair, FDIC, S1791 [6FE]

———Timothy F. Geithner, Sec. of the Treasury, S1791 [6FE]

FDIC foreclosure prevention mortgage modification program: Sheila C. Bair, FDIC, S1811 [6FE]

FHA Multifamily Loan Limit Adjustment Act: several housing organizations, H9523 [15SE]

Financial Literacy Month: President Obama, E1077 [6MY]

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

Fraud Enforcement and Recovery Act (FERA): Chuck Canterbury, Fraternal Order of Police, S4738 [27AP]

———Jon Adler, Federal Law Enforcement Officers Association, S4739 [27AP]

———Joseph E.B. White, Taxpayers Against Fraud (organization), S4739 [27AP]

———Richard Delonis, National Association of Assistant U.S. Attorneys, S4739 [27AP]

———Scott J. Grossfield, Association of Certified Fraud Examiners, S4739 [27AP]

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

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]

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]

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]

Provide additional transparency for certain financial swaps contracts: Gary Gensler, CFTC, H14717 [10DE]

Require any amounts repaid by financial institutions receiving Troubled Asset Relief Program assistance be used for debt reduction: Timothy F. Geithner, Sec. of the Treasury, S7178 [7JY]

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

Require Troubled Asset Relief Program assistance recipients to repay excessive bonuses paid to employees and pay an excise tax on amounts not repaid: Edward Kleinbard, Committee on Taxation (Joint), S1478 [4FE]

Student Aid and Fiscal Responsibility Act: Douglas W. Elmendorf, CBO, S9716 [23SE]

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

Troubled Asset Relief Program: Lawrence H. Summers, S570 [15JA], S13077 [12DE]

———Senator Levin, S578 [15JA]

———several organizations, S579, S586 [15JA]

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

———several Representatives, H5810 [20MY]

Troubled Asset Relief Program extension: several Representatives, H14484 [10DE]

Variable rate pricing of mortage insurance: Greg Evans, All Star Mortgage Co., E2687 [2NO]

———J. Michael Strawn and Catherine J. Strawn, First Mortgage of Indiana, Inc., E2687 [2NO]

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

Financial and Economic Literacy Caucus members, E1077 [6MY]

Four worst things about H.R. 200, Helping Families Save Their Homes in Bankruptcy Act, H3014 [5MR]

GAO audit authority covering FRS Board of Governors emergency actions involving Troubled Asset Relief Program, S5181 [6MY]

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]

Top lenders responsible for subprime loans, H5278 [6MY]

Memorandums

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

Messages

Emergency Economic Stabilization Act Report: President Bush, S304 [12JA], H170 [13JA]

Motions

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]

Federal aid programs: restore funds to the Highway Trust Fund, Unemployment Trust Fund, and FHA and Ginnie Mae (Government-sponsored enterprise) mortgage programs (H.R. 3357), S8512, S8530 [30JY]

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

Higher Education Act: amend (H.R. 3221), H9699 [17SE]

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

Remarks in House

Antitrust policy: amend laws to ensure competitive market-based rates and terms for merchants' access to electronic payment systems (H.R. 2695), H10527 [7OC], E1308 [4JN]

Association of Community Organizations for Reform Now, Inc. (ACORN): alleged involvement in promoting sub-prime loans, H7078 [19JN]

———provide transparency with Federal funds received through housing and urban development grants, H5316 [7MY]

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]

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

Children and youth: clarify that minors are allowed to have credit cards in their names under their parent or legal guardian's account, H5023 [30AP]

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: ensure nonprofit organizations are able to participate in student loan programs, H9599, H9600 [16SE]

———extend the Ensuring Continued Access to Student Loans Act and create a commission to develop a private sector student loan program, H9690-H9692 [17SE]

———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]

———make college more affordable, H4230 [31MR]

———require funds saved from student loan reform be available for the reduction of the Federal deficit, H9688, H9689 [17SE]

Congressional Black Caucus: budget priorities, H3092-H3096 [9MR]

———legislative priorities, H3419 [16MR]

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]

———VA Loan Guaranty program regulatory authority, E2966 [11DE]

Consumers: 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]

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

———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]

Credit: enhance regulation of secondary mortgage market enterprises, H14793-H14795 [11DE]

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]

Democratic Party: national agenda, H8011, H8012, H8013 [13JY], H8092 [14JY]

Dept. of Agriculture: Farm Service Administration loan funding, H5604 [14MY]

———permit refinancing of certain guaranteed loans under the Rural Housing Service (H.R. 2034), H8971 [29JY]

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

———ensure the State Innovation and Completion Grants program targets dislocated workers, H9677, H9678 [17SE]

———provide that interest shall not accrue on Federal Direct Loans for active duty servicemembers regardless of disbursement date (H.R. 3956), E2647 [28OC]

Dept. of Energy: Innovative Technologies Loan Guarantee Program funding, H9237 [31JY]

Dept. of HHS: establish a loan program for eligible hospitals to establish residency training programs (H.R. 914), H3744 [23MR], H4125 [30MR], H7950 [10JY], H11379 [14OC]

Dept. of HUD: assessment of success of programs implemented to assist homeowners with mortgages and foreclosure avoidance, H13118 [18NO]

———coordinate efforts to produce compatible and improved residential mortgage disclosures, H5763 [19MY]

———eliminate certain borrowers from participating in the Hope for Homeowners Program, H2840 [26FE]

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

———Hope for Homeowners Program funding, H3425 [16MR]

———Hope for Homeowners Program participation levels and impediments, H2842 [26FE]

———improve the Hope for Homeowners Program, H5762 [19MY]

———require lenders to notify all mortgagors who qualify for the Hope for Homeowners Program, H2991, H3017, H3018 [5MR]

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

———improve enforcement of mortgage fraud, securities fraud, financial institution fraud and other frauds related to Federal assistance and relief programs (S. 386), Senate amendment, H5686-H5688 [18MY], E1198 [19MY]

———limit or recover excessive compensation paid or payable by entities that have received Federal financial assistance (H.R. 1575), H3616 [18MR], H4275-H4283 [1AP]

Dept. of the Treasury: broaden the oversight powers of the Troubled Asset Relief Program Inspector General, H409-H411 [21JA]

———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]

———disapprove expenditures exceeding certain amounts for the Troubled Asset Relief Program intended to bailout financial institutions (H.J. Res. 3), H369 [15JA], H447-H468, H475, H476 [22JA], H596 [27JA], H3710 [23MR], E127 [22JA], E133 [23JA], E136 [26JA], E155 [27JA], E174 [2FE]

———distribution of funds under the Troubled Asset Relief Program, H4000 [25MR]

———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]

———facilitate the auction of assets owned by financial institutions receiving assistance under the Troubled Asset Relief Program to determine the value and expedite the sale of such assets, H359, H360 [15JA]

———improve authority of Special Inspector General for the Troubled Asset Relief Program (S. 383), H3847-H3851 [25MR]

———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]

———repeal authority to extend the Troubled Asset Relief Program (H.R. 4170), E3057 [17DE]

———repeal Troubled Asset Relief Program and apply remainder of funds to deficit reduction, H14492 [10DE], H14801-H14804 [11DE]

———require any amounts repaid by financial institutions receiving Troubled Asset Relief Program assistance be used for debt reduction, H8207 [16JY], H14881 [15DE]

———require any amounts repaid by financial institutions receiving Troubled Asset Relief Program assistance be used for debt reduction (H.R. 2119), H6910 [17JN]

———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]

———require financial institutions receiving assistance under the Troubled Asset Relief Program to use such funds to lend money and engage in mortgage workouts, H53, H57 [7JA], H144 [9JA], H188-H191 [13JA], H508 [26JA]

———require Special Inspector General for the Troubled Asset Relief Program to include the effect of the program on small businesses in oversight, audits, and reports (H.R. 3179), H9527-H9529 [15SE]

———require Troubled Asset Relief Program assistance recipients to repay excessive bonuses paid to employees and pay an excise tax on amounts not repaid, H3812 [24MR]

———restrict which assets banks can write off as loss under the Troubled Asset Relief Program (H.R. 421), H298 [14JA]

———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]

———Troubled Asset Relief Program extension, H14494 [10DE]

———use of Troubled Asset Relief Program funding intended to bailout financial institutions for mergers and acquisitions, H510 [26JA], H531 [27JA]

———validity of analysis of financial status of banks as rationale for receipt of Troubled Asset Relief Program funds, H10463 [6OC]

Dept. of Veterans Affairs: Education and Debt Reduction Program funding, H7983 [10JY]

District of Columbia: eliminate all federally imposed mandates over the local budget process, financial management, and the borrowing of money, H8209 [16JY]

———eliminate all federally imposed mandates over the local budget process, financial management, and the borrowing of money (H.R. 1045), E266 [12FE]

Economic Development Center of St. Charles County, MO: SBA 504 Lender of the Year award recipient, E1209 [20MY]

Economy: authorize financial assistance to eligible automobile manufacturers, H278, H285 [14JA], E6 [6JA]

———comparison of the economic recovery of the corporate and financial sectors with that of working class citizens, H11358, H11359 [14OC]

———create Economic Disaster Area designation to aid families and neighborhoods facing home foreclosure, H4256 [1AP], E765 [25MR]

———establish a select committee to make a thorough and complete investigation of the causes of the current financial crisis and other matters (H. Res. 345), H4553 [21AP], H5687 [18MY]

———Government bailout of financial institutions, H53, H55-H63 [7JA], H76-H81 [8JA], H144, H155 [9JA], H188-H191 [13JA], H508, H510, H514 [26JA], H879 [3FE], H1014, H1032, H1034 [4FE], H1068 [9FE], H1148 [10FE], H2838 [26FE], H4107 [30MR], H4755, H4760 [27AP], H4844 [28AP], H5276-H5278 [6MY], H6055 [2JN], H7735 [7JY], H9470 [14SE], H10043 [29SE], H13457 [2DE], H14951 [15DE]

———impact of global financial crisis on national security, H3474 [17MR]

———limit compensation for executives at companies that receive Federal bailout funds, H155 [9JA]

———national objectives priority assignments, H6522 [10JN]

———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]

———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]

———regulation of U.S. financial markets, H3486-H3491 [17MR], H3615-H3620 [18MR], H3711 [23MR], H3790 [24MR], H4003, H4019, H4020 [25MR], H4231, H4232 [31MR], H4498 [2AP], H4980-H4987 [29AP], H7072 [19JN], H8071 [14JY], H10526 [7OC], H11433 [15OC], H11559 [21OC], H11731 [23OC], H11764 [26OC], H13469 [3DE], H15474 [16DE]

———require companies receiving Federal bailout funds to disclose executive compensation, H334 [15JA]

———suspend capital gains tax, schedule Government-sponsored enterprises for privatization, repeal Full Employment Act, and suspend mark-to-market accounting requirements, H3516, H3520 [17MR]

Education: ensure that before a private student loan is funded that financial aid advisers inform students of available Federal loan options, H14490 [10DE]

———provide loan forgiveness to teachers of integrated career and technical education coursework at rural secondary schools (H.R. 2403), H5807 [20MY]

———student financial aid programs, H4893 [28AP], H9558, H9597, H9598, H9601, H9602, H9629 [16SE], H9674, H9675 [17SE], E2300, E2302, E2303, E2320 [17SE], E2325, E2335 [22SE], E2418 [1OC]

———student loan programs, H4375, H4376 [1AP], H4667 [22AP], H4893 [28AP], H9558-H9566, H9594-H9604, H9629 [16SE], H9681, H9682 [17SE], E2304, E2305, E2306, E2308, E2314, E2316, E2320 [17SE], E2325, E2335 [22SE], E2418 [1OC]

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]

———Mortgage Fraud Division funding, H6888 [16JN]

FDIC: clarify application of discretionary authority to certain secured credit, H14679 [10DE]

———conduct risk-based assessments of financial companies as necessary to pay any shortfall in the Troubled Asset Relief Program that would add to the national debt, H14749, H14750 [11DE]

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

———establish a systematic mortgage modification program, H289 [14JA], H3420 [16MR]

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

———clarify financing for Systemic Dissolution Fund comes exclusively from financial industry assets, H14760, H14761 [11DE]

———encourage banks and mortgage servicers to work with families affected by contaminated drywall to allow temporary forebearance without penalty on mortgage payments (H. Con. Res. 197), H13401-H13404 [2DE], E2883 [3DE]

———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 ban abusive swaps, disregard balance sheet risk relative to bona fide hedging end users, and ensure illegal swaps are rendered invalid, H14718-H14721 [10DE], E3008 [15DE]

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

———handling of foreclosure crisis, H5562 [13MY], H12266-H12271 [3NO]

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

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

———provide additional transparency for certain swaps contracts, H14716-H14718 [10DE], E3008 [15DE]

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

———require OTS and the Comptroller of the Currency to issue mortgage modification data collection and reporting requirements for banks under regulation, H354 [15JA]

Financial literacy: provide for financial literacy education, H9682, H9683 [17SE]

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

Financial Literacy Month: designate (H. Res. 357), H4855-H4857 [28AP], E1076 [6MY]

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

———determine that regulations for enhanced disclosure under an open end credit plan will not result in reduction in availability of credit to small businesses, H5039, H5040 [30AP]

———establish regulations that would allow estate administrators to resolve outstanding credit balances in a timely manner, H5024, H5025 [30AP]

———policy of lending money to the Federal Government using monetized assets, H6018 [2JN]

———require disclosure of detailed information regarding the mortgage-backed securities purchase program, H363-H365 [15JA]

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

Full Employment and Balanced Growth Act: repeal, E2969 [11DE]

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]

Government regulations: 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]

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

———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]

———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), Senate amendment, H5806, H5823-H5841 [20MY]

———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 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]

———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 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]

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

Health: provide medical debt counseling, H12892 [7NO]

Health care professionals: provide for a competitive loan repayment program for primary care physicians volunteering part-time at community health centers (H.R. 1185), E413 [25FE]

———provide for a loan repayment program for faculty members at programs of general dentistry or pediatric dentistry to alleviate faculty shortages (H.R. 1930), E855 [2AP]

Higher Education Act: amend (H.R. 3221), H9554, H9594-H9637 [16SE], H9674, H9675-H9702, H9704 [17SE], H9876, H9877 [23SE], H9904 [24SE], H11473 [20OC], H14861 [14DE], E2299, E2300, E2302, E2303, E2304, E2305, E2306, E2308, E2310, E2311, E2312, E2313, E2314, E2315, E2316, E2317, E2318, E2320 [17SE], E2325, E2329, E2335 [22SE], E2374, E2375 [25SE], E2418 [1OC], E2764 [16NO]

———amend (H.R. 3221), consideration (H. Res. 746), H9558-H9566 [16SE]

———amend (H.R. 3221), corrections in engrossment, H9702 [17SE]

———amend (H.R. 3221), motion to recommit, H9699, H9700 [17SE], E2397 [29SE]

Housing: aid families and neighborhoods facing home foreclosure, H1161 [11FE], H1625 [23FE], H2966 [4MR], H5084 [4MY], H5105 [5MY]

———aid families and neighborhoods facing home foreclosure and address the subprime mortgage crisis, H302 [14JA], H3486-H3491 [17MR]

———eliminate additional funding for the HOPE for Homeowners loan program, H361-H363 [15JA]

———establish a program to assist homeowners experiencing temporary difficulty making mortgage payments (H.R. 3142), E2943 [10DE]

———prevent foreclosure of home mortgages and stop mortgage fraud and predatory lending, H3419-H3426 [16MR]

———protect the interests of bona fide tenants in the case of any foreclosure on any dwelling or residential real property, H5143 [5MY], H5184 [6MY], H5350 [7MY]

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

———reduce foreclosures of residential mortgages, H9167 [30JY]

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

Investments: ensure uniform and accurate credit rating of municipal bonds and review the municipal bond insurance industry, H286 [14JA], E122 [22JA]

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

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]

Mortgages: allow debtor receiving mortgage foreclosure notice to meet pre-filing credit counseling requirement within 30 days after bankruptcy filing, H3016, H3017 [5MR]

———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]

———encourage Fannie Mae and Freddie Mac to take into account the health of the local housing market relative to condominium and cooperative housing mortgages, H5364, H5365 [7MY]

———enhance regulation of secondary mortgage market enterprises, H14793-H14795 [11DE]

———impact of variable rate mortgage insurance premiums on housing industry, E2686 [2NO]

———increase borrowing authority of the FDIC and the National Credit Union Administration, H5763 [19MY]

———increase maximum loan limits for FHA multi-family housing projects with elevators and for extremely high-cost areas (H.R. 3527), H9522-H9525 [15SE]

———permanently increase conforming loan limits for the housing-related Government-sponsored enterprises and the FHA maximum mortgage amount limitations (see H.R. 2483), H5791 [19MY]

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

———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]

———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 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]

Motor vehicles: allow automobile rental industry to finance debt secured by car fleets as well as with unsecured commercial paper, H287 [14JA]

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

Obama, President: evaluation of economic policies, H7998 [10JY], H8193, H8194, H8294, H8297, H8299, H8300 [16JY]

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

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]

Real estate: moratorium on foreclosure of home mortgages until economic stimulus is in place, H1595 [13FE]

SBA: allow for repayment of loans to small construction companies to be deferred, H12109 [29OC]

———give priority for business stabilization loans to small businesses located in cities with high unemployment rates, H12071 [29OC]

———improve the Microloan Program, H12076 [29OC]

———improve the Microloan Program (H.R. 3737), H12466-H12469 [6NO]

———increase loan guarantee on qualifying loans for veteran-owned small businesses, H12105, H12106 [29OC]

———increase maximum amount of stabilization loans and delay repayment of such loans in areas of high unemployment, H12110 [29OC]

———prohibit direct loans to private small businesses unable to secure loans through private lenders, H12072 [29OC]

———provide assistance to motor vehicle dealers, H5820 [20MY]

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

———funding, H8193 [16JY]

———limit liability of credit rating organizations, H14727, H14728 [10DE]

———prohibit creation of new private right of action against credit rating agencies, H14680-H14682 [10DE]

———restore definition of NRSRO from ``Nationally Registered Statistical Rating Organization'' to ``Nationally Recognized Statistical Rating Organization'', H14751, H14752 [11DE]

———strengthen oversight of credit rating agencies and improve accountability and accuracy of credit ratings, H14679 [10DE]

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

Small business: authorize certain debt refinancing (H.R. 2527), E1219 [20MY]

———improve access to credit, H3614 [18MR]

———provide support for small business concerns, H1162 [11FE], H3758, H3759 [24MR], H4243 [31MR], H5820 [20MY]

———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]

———take steps to stop the small business credit crunch, H14449 [10DE]

Small Business Act: extend programs (S. 1513), H8916-H8918 [28JY], H8988 [29JY]

———extend programs (S. 1929), H11986, H11987 [28OC]

Small Business Investment Act: extend programs (S. 1513), H8916-H8918 [28JY], H8988 [29JY]

———extend programs (S. 1929), H11986, H11987 [28OC]

Social Security: enhance privacy protections for individuals and prevent fraudulent misuse of account numbers (H.R. 3306), E1916 [24JY]

Taxation: allow a refundable credit for the purchase of a residence, H537 [27JA]

———allow a refundable credit for the purchase of a residence (H.R. 101), H179-H181 [13JA], E25 [7JA]

———exclude from gross income discharges of personal indebtedness outside of bankruptcy (H.R. 2445), E1161 [14MY]

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

———proposed reduction in deductions for mortgage interest and charitable contributions, H2911 [3MR], H2931, H2932 [4MR], H3091 [9MR]

———provide a credit for certain home purchases, H1230 [11FE]

———provide a credit for certain home purchases (H.R. 1245), H3723 [23MR], H6371 [9JN]

———provide a credit to individuals who pay their mortgages on time (H.R. 1317), H2991 [5MR]

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

———provide for the deductibility of higher education expenses and interest on student loans (H.R. 1954), E863 [2AP]

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

Truth in Lending Act: establish requirements for providing negatively amortizing mortgage loans to first-time borrowers, H5184 [6MY]

———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]

Veterans: waive housing loan fees for veterans with service-connected disabilities called to active service, H8818 [27JY]

Remarks in Senate

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

Antitrust policy: amend laws to ensure competitive market-based rates and terms for merchants' access to electronic payment systems, S5467, S5468 [14MY]

———amend laws to ensure competitive market-based rates and terms for merchants' access to electronic payment systems (S. 1212), S6416 [10JN]

Association of Community Organizations for Reform Now, Inc. (ACORN): prohibit use of funds from the supplemental appropriations for economic stimulus, S1807, S1854 [6FE]

Bankruptcy: amend laws relative to modification of certain mortgages on principal residences, S4796-S4799 [28AP], S4881-S4883 [29AP], S4915-S4927, S4931-S4938 [30AP], S5176 [6MY], S8786-S8788 [5AU]

———amend laws relative to modification of certain mortgages on principal residences (S. 61), S65 [6JA]

Bush, George W.: evaluation of economic policies, S9302 [14SE]

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

Colleges and universities: ensure continued access to Federal student loan program by encouraging conversion from Federal Family Education Loan Program to Direct Loan Program, S10818-S10820 [28OC]

Committee on the Investigation of the Economic Crisis (Senate, Select): establish, S4545-S4554 [22AP]

Committee on the Judiciary (Senate): hearings on increased fraud enforcement in financial markets, S2315 [13FE]

Congressional Oversight Panel: submit report on farm loan restructuring, S5108 [5MY]

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

Consumers: 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]

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

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

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

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

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

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]

———prevent abuse of Government credit cards (S. 942), S4968 [30AP], S10243 [7OC]

———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]

Dept. of Education: extend authority to purchase guaranteed student loans (S. 2796), S11495 [18NO]

Dept. of HUD: establish a deficit-neutral reserve fund to monitor FHA-approved home loans and investigate mortgage fraud, S4055 [31MR], S4130 [1AP]

———HOPE for Homeowners loan program eligibility requirements, S5180 [6MY]

———modify certain provisions of the HOPE for Homeowners loan program, S1651 [5FE]

———provide additional resources for program advertising, Housing Counseling Assistance Program, and Office of Fair Housing and Equal Opportunity personnel, S4538, S4561 [22AP]

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

Dept. of Justice: clarify that major fraud against the Government includes Troubled Asset Relief Program funds, S4541 [22AP]

———improve enforcement of mortgage fraud, securities fraud, financial institution fraud and other frauds related to Federal assistance and relief programs (S. 386), S1681-S1684 [5FE], S2315 [13FE], S2359 [23FE], S3066 [12MR], S4531-S4561 [22AP], S4603-S4621, S4628-S4633, S4653, S4657 [23AP], S4725, S4735-S4741 [27AP], S4774-S4781, S4784 [28AP], S5183 [6MY], S13363 [17DE]

———improve enforcement of mortgage fraud, securities fraud, financial institution fraud and other frauds related to Federal assistance and relief programs (S. 386), House amendment, S5494, S5495 [14MY]

———improve enforcement of mortgage fraud, securities fraud, financial institution fraud and other frauds related to Federal assistance and relief programs (S. 386), unanimous-consent agreement, S4554 [22AP], S4763 [27AP]

Dept. of the Treasury: allow use of Troubled Asset Relief Program funds to improve enforcement of mortgage fraud, securities fraud, financial institution fraud and other frauds related to Federal assistance and relief programs, S4559 [22AP]

———authorize a grant program to provide for expanded access to mainstream financial institutions (S. 786), S4316 [2AP]

———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]

———disapprove expenditures exceeding certain amounts for the Troubled Asset Relief Program intended to bailout financial institutions (S.J. Res. 5), S322 [13JA], S559, S561-S563, S565-S589 [15JA], S643-S646 [16JA]

———distribution of funds under the Troubled Asset Relief Program, S4710 [24AP], S13076 [12DE]

———impose certain requirements on public-private investment fund programs, S4616 [23AP]

———impose limitations on certain expenditures by participants in the Troubled Asset Relief Program (S. 463), S2429 [24FE]

———improve authority of Special Inspector General for the Troubled Asset Relief Program (S. 383), S1613 [4FE]

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

———increase oversight for certain expenditures for the Troubled Asset Relief Program intended to bailout financial institutions, S3102 [16MR], S4527 [22AP]

———investigation of mortgage loan modification fraud and foreclosure rescue scams by the Financial Crimes Enforcement Network, S4560 [22AP]

———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 rules for the modification or disposition of certain assets by real estate mortgage investment conduits under the Troubled Asset Relief Program (S. 376), S1543 [4FE]

———provide subpoena authority to the Congressional Oversight Panel of the Troubled Asset Relief Program (S. 836), S4449 [20AP]

———redeploy Troubled Asset Relief Program funds into a Community Credit Renewal Fund to stimulate community bank lending (S. 1822), S10642 [21OC]

———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 any amounts repaid by financial institutions receiving Troubled Asset Relief Program assistance be used for debt reduction, S4606, S4607 [23AP], S4951-S4953 [30AP], S6334 [9JN], S6703 [17JN], S7177, S7178 [7JY], S10824, S10836 [28OC]

———require any amounts repaid by financial institutions receiving Troubled Asset Relief Program assistance be used for debt reduction (S. 1243), S6550 [11JN], S7356 [10JY]

———require any amounts repaid by financial institutions receiving Troubled Asset Relief Program assistance be used to reduce the reauthorization level of the program, S5094-S5097 [5MY]

———require congressional approval for certain expenditures for the Troubled Asset Relief Program intended to bailout financial institutions (S. 64), S250 [9JA], S280 [12JA], S568 [15JA]

———require financial institutions receiving Troubled Asset Relief Program assistance to increase lending levels above levels in place prior to receiving assistance, S1792 [6FE]

———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, S1669 [5FE], S1803 [6FE]

———require Troubled Asset Relief Program assistance recipients to repay excessive bonuses paid to employees and pay an excise tax on amounts not repaid, S1478, S1479 [4FE], S1835, S1855 [6FE], S2193 [12FE]

———return Troubled Asset Relief Program funds not set aside for purchasing toxic assets to the Treasury for debt reduction, S4154 [1AP], S4255, S4256 [2AP]

———Special Inspector General for the Troubled Asset Relief Program funding to audit and investigate recipients of non-recourse Federal loans under certain Federal assistance and relief programs, S4556 [22AP]

———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]

Economy: establish a Federal Board of Certification to enhance the transparency, credibility, and stability of financial markets (S. 1592), S9002 [6AU]

———Government bailout of financial institutions, S239-S244, S250-S252 [9JA], S293 [12JA], S320, S329 [13JA], S366 [14JA], S2578 [27FE], S2904 [9MR], S3060 [12MR], S5312 [11MY], S6429 [10JN], S7531-S7533 [15JY], S10835-S10837 [28OC]

———impact of subprime mortgage lending, S3967 [30MR]

———national objectives priority assignments, S3047 [12MR], S4406 [20AP]

———reform the financial regulatory system of the U.S., S11031 [3NO], S11094 [4NO], S11149-S11151 [5NO], S11484 [18NO]

———regulation of U.S. financial markets, S240-S244 [9JA], S329-S331 [13JA], S2578-S2581 [27FE], S3003-S3005 [11MR], S3109 [16MR], S3966-S3969 [30MR], S4542 [22AP], S5582-S5588 [19MY], S9314-S9317 [14SE], S9527 [17SE], S9650 [22SE], S9721-S9723 [23SE], S9898 [29SE], S10470 [15OC]

———stability of domestic automobile manufacturers, S3539-S3541 [19MR]

Education: maintain competitive student loan program by providing comprehensive choice of loan products and services, S4646, S4647, S4656 [23AP]

———provide grants to promote financial and economic literacy (S. 638), S5346 [12MY]

———student loan programs, S9626-S9628 [22SE], S9715-S9717 [23SE]

Eximbank: anniversary, S2226 [12FE]

FDIC: establish a systematic mortgage modification program (S. 73), S72 [6JA]

———expand authority to identify troubled banks and remove toxic assets through conservatorship, protect banks' depositors, and remove certain executives from failing institutions, S2657 [3MR], S2871 [6MR], S3036 [12MR], S3132 [17MR]

———foreclosure prevention mortgage modification program funding through reductions in undesignated State funding in supplemental appropriations for economic stimulus, S1810-S1816, S1831, S1851, S1852 [6FE]

———increase borrowing authority, S1790 [6FE]

Federal Deposit Insurance Act: allow temporary waiver of State interest rate limit, S5475, S5492 [14MY], S6777 [18JN]

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: authorize regulation of credit default swaps and other swap agreements (S. 961), S5067 [4MY]

———create a financial stability council to oversee the financial regulatory activities of the Government (S. 664), S3611-S3613 [23MR], S6682 [17JN]

———encourage banks and mortgage servicers to work with families affected by contaminated drywall to allow temporary forebearance without penalty on mortgage payments (S. Res. 352), S11356 [10NO]

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

———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]

———handling of foreclosure crisis and impact on the economy, S9174 [9SE]

———provide oversight for Public-Private Investment Program, S5099, S5100, S5101, S5109 [5MY]

Financial Literacy Month: designate (S. Res. 94), S4104 [31MR]

Financial Product Safety Commission: establish (S. 566), S2974 [10MR], S6700 [17JN]

FTC: clarify rulemaking authority over home mortgage loans issued by federally regulated financial institutions, S2816, S2817 [5MR], S5093, S5094 [5MY]

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]

———review emergency credit facilities established by the FRS or any Federal Reserve bank (S. 1803), S10573 [20OC]

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

———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]

———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 reporting agencies to provide free credit reports in certain languages other than English, S5364 [12MY]

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

Health care professionals: establish and carry out a pediatric specialty loan repayment program (S. 1206), S6266 [8JN]

Heartland Disaster Tax Relief Act: extend certain housing-related deadlines (S. 2815), S11885 [20NO]

Higher Education Act: amend (H.R. 3221), S9626-S9628 [22SE], S9715-S9717 [23SE], S9907 [29SE], S13120 [12DE]

———authorize refinancing of private education loans under the Federal student loan program (S. 1541), S9908 [29SE]

Housing: aid families and neighborhoods facing home foreclosure, S2651 [3MR], S3765-S3767 [25MR]

———protect the interests of bona fide tenants in the case of any foreclosure on any dwelling or residential real property, S5096, S5110, S5112, S5115 [5MY], S5174 [6MY]

———protect the interests of bona fide tenants in the case of any foreclosure on any dwelling or residential real property (H.R. 1247), S8978 [6AU]

———require notice to consumers when a mortgage loan has been sold, transferred, or assigned to a third party, S5098, S5099 [5MY], S5173, S5174 [6MY]

Mortgages: increase borrowing authority of the FDIC and the National Credit Union Administration, S5093, S5094 [5MY]

———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 prepayment penalties in mortgage contracts (S. 911), S4812 [28AP], S4950, S4951 [30AP]

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

———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]

Motor vehicles: subsidize for certain moderate-income consumers the purchase of new motor vehicles assembled in the U.S., S1533 [4FE], S1661 [5FE]

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: evaluation of economic policies, S7355-S7357 [10JY]

———proposal to reform U.S. financial regulatory system, S6682, S6692-S6695, S6700 [17JN]

Philadelphia, PA: tribute to Residential Mortgage Foreclosure Diversion Pilot Program, S11583 [19NO]

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]

SBA: encourage participation of small business concerns in Federal loan programs, S1795 [6FE], S2032-S2034 [9FE]

———establish a small business intermediary lending pilot program (S. 2780), S11432 [17NO]

———establish a temporary program under which loans are made to small businesses that are nonprofit child care businesses (S. 2661), S10992 [2NO]

———improve certain loan programs (S. 2918), S13699 [21DE]

———increase loan limits and provide for low-interest refinancing for small businesses (S. 1832), S10695 [22OC]

———increase loan limits and provide for low-interest refinancing for small businesses (S. 2869), S12912 [10DE]

———reauthorize and expand the New Markets Venture Capital Program (S. 1831), S10643 [21OC]

Schapiro, Mary L.: commend remarks relative to U.S. financial regulatory system reform, S11340 [10NO]

SEC: provide additional funding for investigations and enforcement proceedings involving financial institutions, S4614, S4615, S4621 [23AP]

———strengthen oversight of credit rating agencies and improve accountability and accuracy of credit ratings (S. 1073), S5617 [19MY]

Securities: comprehensively regulate derivatives markets to increase transparency and reduce risks in the financial system (S. 1691), S9655 [22SE]

Small business: ensure that regulations for enhanced disclosure under an open end credit plan will not result in reduction in availability of credit to small businesses, S5463 [14MY]

———take steps to stop the small business credit crunch (S. 1615), S9015 [6AU]

Small Business Act: extend programs (S. 1513), S8101 [24JY]

———extend programs (S. 1929), S10740 [26OC]

———extend programs (S. 1929), House amendment, S10943 [29OC]

Small Business Investment Act: extend programs (S. 1513), S8101 [24JY]

———extend programs (S. 1929), S10740 [26OC]

———extend programs (S. 1929), House amendment, S10943 [29OC]

Social Security: limit the misuse of Social Security numbers and establish criminal penalties for such misuse (S. 141), S123 [6JA]

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

Taxation: amend tax treatment of certain discharged indebtedness (S. 33), S153 [7JA]

———establish a deficit-neutral reserve fund to provide a credit for certain home purchases, S4046 [31MR], S4129 [1AP], S4844 [29AP]

———modify rules relative to cancellation of qualified principal residence indebtedness, S1791 [6FE]

———proposed reduction in deductions for mortgage interest and charitable contributions, S3104 [16MR]

———provide a credit for certain home purchases, S1474-S1478, S1509 [4FE], S1672 [5FE], S2185, S2186 [12FE], S2298 [13FE], S2409, S2410 [24FE], S8957-S8960, S8963 [6AU]

———provide a credit for certain home purchases (S. 1230), S10337 [13OC]

———provide additional protections for recipients of the earned income tax credit (S. 585), S3078 [12MR]

Truth in Lending Act: extend credit card protections to small businesses, S5425 [13MY], S5471, S5488-S5491 [14MY]

———technical correction (H.R. 3606), S10943 [29OC]

Yunus, Muhammad: award Congressional Gold Medal (S. 846), S7408 [13JY], S10380 [13OC]

Reports

Proposed Amendment to Arkansas State Constitution Relative to State Interest Rate Limit Removal, S6778-S6782 [18JN]

Reports filed

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. 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. 3221, Student Aid and Fiscal Responsibility Act: Committee on Rules (House) (H. Res. 746) (H. Rept. 111-256), H9548 [15SE]

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 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]

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]

End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act: Committee on the Judiciary (House) (H.R. 1575) (H. Rept. 111-50), H3833 [24MR]

Expedited CARD Reform for Consumers Act: Committee on Financial Services (House) (H.R. 3639) (H. Rept. 111-314), H11790 [26OC]

Fight Fraud Act: Committee on the Judiciary (House) (H.R. 1748) (H. Rept. 111-95), H5095 [4MY]

Fraud Enforcement and Recovery Act (FERA): Committee on the Judiciary (Senate) (S. 386), S2827 [5MR]

———Committee on the Judiciary (Senate) (S. 386) (S. Rept. 111-10), S3609 [23MR]

Government Charge Card Abuse Prevention Act: Committee on Homeland Security and Governmental Affairs (Senate) (S. 942) (S. Rept. 111-76), S9589 [21SE]

Helping Families Save Their Homes in Bankruptcy Act: Committee on the Judiciary (House) (H.R. 200) (H. Rept. 111-19), H2631 [24FE]

Hope for Homeowners Program Improvement: Committee on Financial Services (House) (H.R. 787) (H. Rept. 111-12), H1156 [10FE]

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]

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]

Special Inspector General for the Troubled Asset Relief Program Act: Committee on Financial Services (House) (S. 383) (H. Rept. 111-41), H3702 [19MR]

Student Aid and Fiscal Responsibility Act: Committee on Education and Labor (House) (H.R. 3221) (H. Rept. 111-232), H8872 [27JY]

Waive Housing Loan Fees for Veterans With Service-Connected Disabilities Called to Active Service: Committee on Veterans' Affairs (House) (H.R. 2180) (H. Rept. 111-163), H7021 [18JN]

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]

Federal aid programs: restore funds to the Highway Trust Fund, Unemployment Trust Fund, and FHA and Ginnie Mae (Government-sponsored enterprise) mortgage programs (H.R. 3357), S8512 [30JY]

Statements

Fraud Enforcement and Recovery Act (FERA): Executive Office of the President, S4533 [22AP]

Regulation of U.S. Financial Markets: Gary Gensler, S5585 [19MY]

Summaries

Authorizing the Regulation of Swaps Act (S. 961), S5068 [4MY]

Social Security Number Privacy and Identity Theft Prevention Act (H.R. 3306), E1916 [24JY]

Tables

Committee on the Budget (Senate) scoring of H.R. 3357, Highway Trust Fund, Unemployment Trust Fund, and FHA and Ginnie Mae (Government-sponsored enterprise) mortgage programs funds restoration, S8512 [30JY]

Expenditure levels by Troubled Asset Relief Program programs, H5277 [6MY]

Total funds subject to Special Inspector General for the Troubled Asset Relief Program (SIGTARP) oversight, H5277 [6MY]

Texts of

H. Con. Res. 197, encourage banks and mortgage servicers to work with families affected by contaminated drywall to allow temporary forebearance without penalty on mortgage payments, H13402 [2DE]

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. 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. 357, Financial Literacy Month, H4855 [28AP]

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. 746, consideration of H.R. 3221, Student Aid and Fiscal Responsibility Act, H9558 [16SE]

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.J. Res. 3, disapprove expenditures exceeding certain amounts for the Troubled Asset Relief Program intended to bailout financial institutions, H447 [22JA]

H.R. 384, TARP Reform and Accountability Act, H335-H343 [15JA]

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. 1106, Helping Families Save Their Homes Act, H2997-H3001 [5MR]

H.R. 1242, Dept. of the Treasury Troubled Asset Relief Program additional monitoring and accountability, H13405 [2DE]

H.R. 1575, End Government Reimbursement of Excessive Executive Disbursements (End GREED) Act, H4275 [1AP]

H.R. 1728, Mortgage Reform and Anti-Predatory Lending Act, H5325-H5343 [7MY]

H.R. 2034, Rural Homeowners Protection Act, H8971 [29JY]

H.R. 2221, Data Accountability and Trust Act, H13586-H13590 [8DE]

H.R. 3179, SIG TARP Small Business Awareness Act, H9528 [15SE]

H.R. 3221, Student Aid and Fiscal Responsibility Act, H9604-H9624 [16SE]

H.R. 3357, Highway Trust Fund, Unemployment Trust Fund, and FHA and Ginnie Mae (Government-sponsored enterprise) mortgage programs funds restoration, H9016 [29JY]

H.R. 3527, FHA Multifamily Loan Limit Adjustment Act, H9522 [15SE]

H.R. 3606, Credit CARD Technical Corrections Act, H11257 [13OC]

H.R. 3639, Expedited CARD Reform for Consumers Act, H12311 [4NO]

H.R. 3737, Small Business Microlending Expansion Act, H12466 [6NO]

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. 61, Helping Families Save Their Homes in Bankruptcy Act, S66 [6JA]

S. 73, Systematic Foreclosure Prevention and Mortgage Modification Act, S73 [6JA]

S. 131, Credit Card Minimum Payment Notification Act, S103 [6JA]

S. 141, Protecting the Privacy of Social Security Numbers Act, S124-S128 [6JA]

S. 376, Real Estate Mortgage Investment Conduit Improvement Act, S1544 [4FE]

S. 383, Special Inspector General for the Troubled Asset Relief Program Act, S1613 [4FE], H3847 [25MR]

S. 386, Fraud Enforcement and Recovery Act (FERA), S1682-S1684 [5FE], S4777-S4781 [28AP], H5260-H5264 [6MY]

S. 500, Protecting Consumers From Unreasonble Credit Rates Act, S2571 [26FE]

S. 566, Financial Product Safety Commission Act, S2975-S2978 [10MR]

S. 585, Taxpayer Abuse Prevention Act, S3078 [12MR]

S. 786, Improving Access to Mainstream Financial Institutions Act, S4317 [2AP]

S. 836, provide subpoena authority to the Congressional Oversight Panel of the Dept. of the Treasury Troubled Asset Relief Program, S4449 [20AP]

S. 846, award Congressional Gold Medal to Muhammad Yunus, S4520 [21AP], S10381 [13OC]

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. 942, Government Charge Card Abuse Prevention Act, S10243-S10245 [7OC]

S. 1073, Rating Accountability and Transparency Enhancement (RATE) Act, S5617-S5620 [19MY]

S. 1212, Credit Card Fair Fee Act, S6366-S6371 [9JN]

S. 1490, Personal Data Privacy and Security Act, S7872-S7879 [22JY]

S. 1513, Small Business Act and Small Business Investment Act programs extension, S8101 [24JY], H8916 [28JY]

S. 1592, Federal Board of Certification Act, S9003 [6AU]

S. 1615, Next Step for Main Street Credit Availability Act, S9015 [6AU]

S. 1691, Comprehensive Derivatives Regulation Act, S9655-S9673 [22SE]

S. 1927, Credit Card Rate Freeze Act, S10737 [26OC]

S. 1929, Small Business Act and Small Business Investment Act programs extension, S10740 [26OC], S10943 [29OC]

S. 2796, extend Dept. of Education authority to purchase guaranteed student loans, S11496 [18NO]

S. 2815, Heartland Disaster Tax Relief Act housing-related deadlines extension, S11886 [20NO]

S. Res. 94, Financial Literacy Month, S4086, S4105 [31MR]

S. Res. 352, encourage banks and mortgage servicers to work with families affected by contaminated drywall to allow temporary forebearance without penalty on mortgage payments, S11350, S11356 [10NO]