RESTORING AMERICAN FINANCIAL STABILITY ACT

Amendments

Enact (S. 3217), S2663 [26AP], S2765, S2767 [28AP], S2772, S2814, S2815, S2816, S2973, S2974, S2976, S2978, S2979, S2980 [29AP], S3007, S3008, S3009, S3013, S3014 [30AP], S3039, S3040, S3041, S3042, S3046, S3047, S3048, S3049 [3MY], S3072, S3100, S3102, S3103, S3104, S3105, S3106, S3107, S3108, S3109, S3111, S3115 [4MY], S3149, S3172, S3173, S3194, S3195, S3200, S3208, S3217, S3223, S3227, S3228, S3260, S3262, S3263, S3264, S3268, S3269, S3270, S3271, S3272, S3273, S3278, S3279 [5MY], S3328, S3332, S3347, S3349, S3350, S3364, S3365, S3366, S3368, S3369, S3371, S3372, S3373, S3374, S3375, S3376, S3377, S3378, S3380, S3381, S3382, S3383 [6MY], S3411, S3426, S3427, S3428, S3429 [7MY], S3476, S3478, S3479, S3480, S3481, S3482, S3484, S3485 [10MY], S3488, S3497, S3511, S3524, S3543, S3544, S3545, S3546, S3547, S3549, S3550, S3551, S3552, S3553, S3554, S3558, S3559, S3560, S3563, S3564, S3565, S3566 [11MY], S3575, S3576, S3590, S3611, S3616, S3617, S3618, S3619, S3625, S3648, S3649, S3650, S3651, S3652, S3654, S3655, S3656, S3657, S3658, S3659, S3660 [12MY], S3675, S3693, S3699, S3703, S3708, S3710, S3723, S3728, S3729, S3730, S3731, S3732, S3734, S3735, S3736, S3742, S3743, S3756, S3757, S3759, S3761 [13MY], S3772, S3787, S3788 [14MY], S3802, S3806, S3808, S3811, S3814, S3835, S3836, S3837, S3838, S3839, S3840, S3841, S3842, S3846 [17MY], S3856, S3859, S3861, S3866, S3867, S3879, S3881, S3890, S3912, S3913, S3914, S3915, S3916, S3918, S3919, S3920, S3921, S3922, S3923, S3925, S3926, S3927, S3931, S3932, S3933, S3935, S3938, S3940, S3941, S3943, S3944 [18MY], S3971, S3973, S3987, S3990, S3991, S3992, S3994, S3997, S4000, S4003, S4006, S4009, S4010, S4011, S4012, S4013, S4014 [19MY], S4031, S4093, S4094, S4095, S4096, S4097, S4098, S4099, S4100, S4101, S4102 [20MY]

House Rules: same-day consideration of resolutions allowing consideration of certain legislation (H. Res. 1487), H5220 [30JN]

Appointments

Conferees: H.R. 4173, provisions, S4170 [25MY]

Articles and editorials

Bailout Nation v. Rule of Law, S3688 [13MY]

Derivatives-Spinoff Proposal Opposed as Part of Overhaul Bill, S3058 [4MY]

End to Rules-Based Capital Markets, S6155 [22JY]

How Washington Failed To Rein in Fannie, Freddie. As Profits Grew, Firms Used Their Power To Mask Peril (excerpt), S3344 [6MY]

Ignoring the Elephant in the Bailout, H3299 [11MY]

Income for Life? Sounds Good, but Do Your Homework, S4029 [20MY]

No-Cost Stimulus, S3863 [18MY]

Protect Taxpayers From Wall Street Risk, S3142 [5MY]

Senate Financial Bill Misguided, Some Academics Say, S3057 [4MY]

Small Business Credit Crunch, S3959 [19MY]

Study—Derivatives Rules Would Cost Banks Billions, S3626 [12MY]

What About Fan and Fred Reform?, S3058 [4MY], S3461 [10MY]

Bills and resolutions

Enact (see S. 3217), S2377 [15AP]

Enact (H.R. 4173): consideration of conference report (see H. Res. 1490), H5302 [30JN]

House Rules: same-day consideration of resolutions allowing consideration of certain legislation (see H. Res. 1487), H4973 [29JN]

Cloture motions

Enact (H.R. 4173): conference report, S5774 [13JY], S5880 [15JY]

Enact (S. 3217), S3811 [17MY], S3964, S3974 [19MY], S4042 [20MY]

———motion to proceed, S2553 [22AP], S2622, S2629 [26AP], S2707 [27AP], S2729 [28AP]

Conference reports

Provisions (H.R. 4173), H4977-H5200 [29JN]

Hearings

Committee on Banking, Housing, and Urban Affairs (Senate) markup of S. 190, Federal Housing Enerterprise Regulatory Reform Act (2005), S3505 [11MY]

Committee on Banking, Housing, and Urban Affairs (Senate) markup of S. 1508, Federal Housing Enerterprise Regulatory Reform Act (2004), S3504 [11MY]

Letters

Clarify exemption for certain annuity contracts and insurance policies from Federal regulation: Barbara Roper, Consumer Federation of America and Mercer Bullard, Fund Democracy, Inc., S5919 [15JY]

———Daniel J. Barry, Financial Planning Association, S5919 [15JY]

———David P. Sloane, AARP, S4029 [20MY], S5917 [15JY]

———Denise Voigt Crawford, North American Securities Administrators Association, Inc., S5917, S5918 [15JY]

———Denise Voigt Crawford, North American Securities Administrators Association, Inc., and Barbara Roper, Consumer Federation of America, S5918 [15JY]

———National Association of Insurance Commissioners, S4030 [20MY]

Derivatives regulation legislation: Sheila C. Bair, FDIC, S3069 [4MY]

Establish a term for conservatorships of Fannie Mae and Freddie Mac, and provide conditions for continued operations, wind down, and dissolution of such enterprises: Joseph Stanton, National Association of Home Builders, S3500 [11MY]

Establish additional protections for consumers with regard to payday loans: Michael P. Calhoun, Center for Responsible Lending (organization), S3873 [18MY]

Exempt auto dealers from regulation by Bureau of Consumer Financial Protection: Camden R. Fine, Independent Community Bankers of America (organization), S4134 [24MY]

———Dan Mica, Credit Union National Association, S4135 [24MY]

———Janet Murguia, National Council of La Raza, S4135 [24MY]

———John M. McHugh, Sec. of the Army, S4135 [24MY]

———Military Coalition, S4134 [24MY]

———several military and consumer counciling organizations, S4134 [24MY]

Exempt insurance company affiliates of depository institutions from proprietary trading restrictions: Daniel J. Keniry, Teachers Insurance and Annuity Association-College Retirement Equities Fund (TIAA-CREF) (organization), S4137 [24MY]

———H. Gene Overstreet, Non Commissioned Officers Association of the U.S.A., S4136 [24MY]

———John (Doc) McCauslin, Air Force Sergeants Association, S4137 [24MY]

———Nick Marine, Naval Enlisted Reserve Association, S4137 [24MY]

FDIC Division for Consumer Financial Protection establishment: David P. Sloane, AARP, S3311 [6MY]

Federal deposit insurance rates: Sheila C. Bair, FDIC, S5900 [15JY]

FERC authority to ensure just and reasonable rates in electricity and natural gas markets: Bob Stallman, American Farm Bureau Federation, S3881 [18MY]

———Charles D. Gray, National Association of Regulatory Utility Commissioners, S3881 [18MY]

———John Wellinghoff, FERC, S3880 [18MY]

———several electricity and natural gas associations, S3880 [18MY]

Financial Stability Oversight Council addition of State banking, insurance, and securities regulators as non-voting members: National Association of Insurance Commissioners, S3710 [13MY]

Mandate minimum leverage and risk-based capital standards for certain financial institutions: Sheila C. Bair, FDIC, S3460 [10MY], S3617 [12MY]

National Credit Union Administration Chairman addition as a voting member of the Financial Stability Oversight Council: B. Dan Berger, National Association of Federal Credit Unions, S3353 [6MY]

———Dan Mica, Credit Union National Association, S3352 [6MY]

———Debbie Matz, National Credit Union Administration, S3352 [6MY]

Orderly and transparent bankruptcy process for non-bank financial institutions: James C. Duff, Judicial Conference of the U.S., S3688 [13MY]

———several law school professors, economists, and leaders, S3689 [13MY]

Over-the-counter derivatives markets regulation and market transparency improvement: Coalition for Derivatives End-Users, S3597 [12MY]

———Jay Timmons, National Association of Manufacturers, S3596 [12MY]

———Paul A. Volcker, S3608 [12MY]

———several organizations, S3597 [12MY]

Permit community banks to remain under FRS supervision: Camden R. Fine, Independent Community Bankers of America (organization), S3522 [11MY]

———R. Bruce Josten, U.S. Chamber of Commerce, S3522 [11MY]

Prohibit Federal assistance to bailout swap dealers and major swap participants: Americans for Financial Reform (organization), S3141 [5MY]

Prohibit proprietary trading and certain relationships with hedge funds and private equity funds and address conflicts of interest with respect to certain securitizations: John S. Reed, S2691 [27AP]

Promulgate regulations regarding debit and credit card interchange transaction fees: Americans for Financial Reform (organization), S3698 [13MY]

———National Trade Associations, S3698 [13MY]

Protect consumers from interstate lending laws: Americans for Financial Reform (organization), S3149 [5MY]

Protect identity of whistleblowers and ensure transparency and accountability in Government investigations of financial fraud: several consumer protection and government accountability organizations, S3975 [19MY]

Provisions: Camden R. Fine, Independent Community Bankers of America (organization), S3142 [5MY]

———James C. Duff, Judicial Conference of the U.S., S2575 [22AP]

———several housing and community development organizations, S3520 [11MY]

———Susan Eckerly, National Federation of Independent Business, S2695 [27AP]

———Vicki Cox Golder, National Association of Realtors, S3500, S3519 [11MY]

Reform the regulation of the housing-related Government-sponsored enterprises: several Senators, S3343 [6MY]

Reform the way initial credit ratings are assigned: Paul S. Stevens, Investment Company Institute, S3979 [19MY]

Regulate over-the-counter derivatives markets and improve market transparency: Senator Dodd, Committee on Banking, Housing and Urban Affairs (Senate) and Senator Lincoln, Committee on Agriculture, Nutrition, and Forestry (Senate), H5248 [30JN]

Require consideration of economic impact of Bureau of Consumer Financial Protection rules and regulations on small businesses: Ron Busby, U.S. Black Chamber, Inc., S3888 [18MY]

———Todd O. McCracken, National Small Business Association, S3888 [18MY]

———several organizations, S3887 [18MY]

Solicitor General's failure to file a brief requested by SEC in Stoneridge Investment Partners v. Scientific Atlanta: Senator Specter, Committee on the Judiciary (Senate), S3619 [12MY]

Lists

Congressional staff who worked on H.R. 4173, provisions, S4140 [24MY], S5835 [14JY]

Federal consumer protection regulations applicable to automobile dealers' financial operations: National Automobile Dealers Association, S4131 [24MY]

Organizations supporting H.R. 4173, provisions, S5834 [14JY]

Organizations supporting Snowe amendment to S. 3217, provisions, requiring consideration of economic impact of Bureau of Consumer Financial Protection rules and regulations on small businesses, S3887 [18MY]

Memorandums

Consumer Bureau vs. SEC/CFTC Powers: Representative Dennis Moore, H5217 [30JN]

Good Is Oft Interred With Their Bones: James D. MacPhee, Mike Menzies, and Sal Marranca, Independent Community Bankers of America (organization), S5832 [14JY]

Motions

Enact (H.R. 4173), S4130, S4136 [24MY], S5880 [15JY], H4289 [9JN], H5260 [30JN]

Enact (S. 3217), S2553 [22AP], S2729 [28AP], S3809 [17MY], S3894 [18MY]

Press releases

Angel Capital Association Supports Amendments to Financial Reform Bill—Sen. Dodd's Amendments Allow for Efficient Capital Access for Entrepreneurs and Also Improve Fraud Protection for Investors: Angel Capital Association, S3813 [17MY]

Recorded

Wall Street Reform and Consumer Protection Act (H.R. 4173): consideration of conference report (H. Res. 1490), H5232 [30JN]

Remarks in House

Business and industry: require 120-day waiting period for startup companies to receive investor funds, H3017 [29AP]

Consumer Financial Protection Agency: establish, H3844, H3845, H3847 [26MY]

Credit: promulgate regulations regarding debit and credit card interchange transaction fees, H3874 [27MY], H4680 [23JN], H5254, H5256 [30JN]

Economy: analysis of causes and potential remedies of current economic recession, H5228 [30JN]

———clarify regulatory authority of SEC and CFTC over broker-dealers and investment advisors, H5216 [30JN]

———comparison between policies of past Presidential administrations and the Obama administration, H5224, H5225 [30JN]

———Government bailout of financial institutions, H5244 [30JN]

———importance of job creation, H5227, H5230 [30JN]

———require CFTC and SEC to conduct rulemakings to eliminate conflicts of interest arising from control of clearing and trading facilities by swap entities, H5217 [30JN]

Enact (H.R. 4173), H3755, H3756, H3804, H3809-H3814 [25MY], H3844-H3849 [26MY], H3874 [27MY], H4289 [9JN], H4440, H4442 [15JN], H4512 [16JN], H4680 [23JN], H4902 [28JN], E1230 [29JN]

———conference report, H4907, H4913, H4915, H4953-H4957, H4966 [29JN], H5206, H5207, H5208, H5209, H5212, H5233-H5261, H5281, H5282, H5294, H5295, H5297 [30JN], H5306 [1JY], H5601, H5602 [14JY], H5670 [15JY], H5805, H5812 [20JY], H5823, H5898 [21JY], H5925, H5961 [22JY], H6148 [27JY], E1237, E1257 [30JN], E1262, E1270, E1272, E1285 [1JY], E1294, E1295 [13JY], E1347-E1349, E1350 [15JY], E1383 [20JY], E1407 [22JY], E1429 [27JY], E1505 [30JY], E2144, E2146 [15DE]

———consideration of conference report (H. Res. 1490), H5223-H5231 [30JN]

———motion to instruct conferees, H4289-H4297 [9JN]

Enact (S. 3217), H2648 [20AP], H2701 [21AP], H2882, H2885, H2886, H2892 [27AP], H2941, H3007, H3009 [28AP], H3129 [5MY], H3205 [6MY]

Financial institutions: provide an orderly and transparent bankruptcy process for non-bank financial institutions, H4289-H4297 [9JN], H5233, H5235 [30JN]

FRS: clarify exemptions to interchange fees of prepaid cards used for health care and employee benefits programs and transportation accounts, H5225 [30JN]

———reform manner in which GAO audits the FRS Board of Governors and the manner in which such audits are reported, H4291, H4292 [9JN], H5243, H5253 [30JN]

House Rules: require that legislation and conference reports be available on the Internet prior to consideration by the House, H4289, H4294 [9JN]

———same-day consideration of resolutions allowing consideration of certain legislation (H. Res. 1487), H5212-H5222 [30JN]

Housing: reform the regulation of the housing-related Government-sponsored enterprises, H3299 [11MY], H5217 [30JN]

Insurance: streamline regulation of nonadmitted insurance and reinsurance, E1407 [22JY]

Office of Minority and Women Inclusion: establish, H4967 [29JN]

Pensions: provide funding relief to multiemployer defined benefit plans, E1257 [30JN]

Securities: clarify definition of hedge funds and private equity funds, H5226 [30JN], E1295 [13JY]

———regulate over-the-counter derivatives markets and improve market transparency, H4957 [29JN], H5245, H5248 [30JN]

Remarks in Senate

Antitrust policy: restore application of Federal antitrust laws to the business of health insurance to protect competition and consumers, S3626 [12MY]

———restore rule making it illegal for manufacturers to set a minimum price below which a retailer cannot sell the manufacturer's product, S3698 [13MY]

Bankruptcy: amend laws, S3017-S3019, S3026-S3028 [3MY]

Budget: deficit, S4077 [20MY]

Business and industry: disclose payments to foreign countries for commercial development of oil, natural gas, and minerals, and express that the U.S. should disclose payments for such development on Federal land, S3976 [19MY]

———require all foreign and domestic companies registered with the SEC to report annually on amounts paid to each country for access to oil, gas, and minerals, S3315 [6MY], S3815-S3818 [17MY], S4056 [20MY], S5872 [15JY]

CFTC: provide authority to prevent the trading of futures and swap contracts that are contrary to the public interest, S5906, S5907 [15JY]

———provide clear antimarket manipulation authority, S3348 [6MY]

———require foreign boards of trade to register, S3531 [11MY], S3702 [13MY], S4064 [20MY]

———set aggregate position limits across all markets on non-commercial market participants, S5919 [15JY]

———set hard caps on speculative position limits for futures on energy commodities, S2410 [19AP]

Consumers: require disclosure of credit score used to evaluate consumers when score results in an adverse action, S3772-S3774 [14MY], S3810 [17MY]

Corporations: impact of federalized corporate governance relative to improved proxy assests, S3131 [5MY]

Credit: amend definition of credit to exclude no-interest credit instruments, S3973 [19MY]

———empower States to set the maximum annual percentage rates applicable to consumer credit transactions, S3075, S3076 [4MY], S3402 [7MY]

———prohibit use of consumer credit checks against prospective and current employees for the purpose of making adverse employment decisions, S3083-S3085 [4MY]

———promulgate regulations regarding debit and credit card interchange transaction fees, S3455 [10MY], S3588-S3590 [12MY], S3695-S3698, S3704, S3705 [13MY], S4839-S4841 [10JN], S4929-S4931 [15JN], S4977 [16JN], S5925 [15JY]

———protect consumers from usury, S2362 [15AP], S2446 [20AP], S2734, S2735 [28AP]

———require inclusion of credit scores with free annual credit reports provided to consumers, S3062, S3063 [4MY], S3291 [5MY], S3699 [13MY]

———require the mortgage originator retain a certain percentage of the mortgage for its lifetime or until the mortgage is paid, S2435, S2436 [20AP]

———restore State's rights to protect consumers from usury, S3708, S3709 [13MY], S3803 [17MY], S3971, S3972 [19MY]

Dept. of the Treasury: establish Office of the Homeowner Advocate, S3398 [7MY], S4036 [20MY], S4644 [8JN], S4924, S4928 [15JN]

———guarantee payment on bonds or notes used to provide loans to community development financial institutions, S4035, S4036 [20MY]

———require any amounts repaid by financial institutions receiving Troubled Asset Relief Program assistance be used for debt reduction, S3512, S3513 [11MY]

———terminate authority under the Troubled Asset Relief Program and commence liquidation, S5900 [15JY]

Economy: analysis of causes and potential remedies of current economic recession, S2497 [21AP], S2726 [28AP], S3591-S3594 [12MY], S4046-S4052 [20MY], S4206 [25MY]

———comparison between policies of past Presidential administrations and the Obama administration, S5801 [14JY], S7079 [14SE]

———Government bailout of financial institutions, S5801 [14JY]

———prohibit use of taxpayer funds to bailout failing financial institutions, S2752 [28AP], S3017, S3020-S3023, S3026-S3028 [3MY], S3061-S3065, S3083 [4MY], S3140, S3147 [5MY], S4072 [20MY]

———prohibit use of taxpayer funds to bailout State and local governments, S3855-S3862 [18MY]

Enact (H.R. 4173), S4110, S4139 [24MY], S4192, S4207, S4208 [25MY], S4404 [26MY], S4497-S4499, S4560 [27MY], S4839-S4841 [10JN], S4929-S4931 [15JN], S4967, S4973, S4977 [16JN], S5167 [21JN]

———conference report, S5656-S5661 [30JN], S5774, S5775 [13JY], S5801-S5803, S5807, S5811, S5814-S5822, S5825, S5828-S5835, S5840-S5842, S5844 [14JY], S5870-S5933, S5943-S5945 [15JY], S6040, S6041 [21JY], S6155 [22JY], S6241-S6243 [26JY], S6513 [29JY]

———motion to instruct conferees, S4130-S4139 [24MY]

———unanimous-consent agreement, S5880 [15JY]

Enact (S. 3217), S2332, S2334, S2346, S2352-S2357, S2362 [15AP], S2399, S2401, S2404-S2410 [19AP], S2433-S2439, S2446, S2447, S2452-S2454, S2467 [20AP], S2484-S2487, S2489-S2493, S2495-S2497, S2500-S2506 [21AP], S2536-S2541, S2545, S2548 [22AP], S2750-S2752 [28AP], S2772-S2782, S2786, S2790-S2794 [29AP], S2987-S2999, S3001-S3004 [30AP], S3015-S3028 [3MY], S3051-S3085, S3087 [4MY], S3119-S3126, S3128-S3133, S3135-S3144, S3147-S3157, S3291 [5MY], S3296-S3353 [6MY], S3385-S3387, S3398-S3403 [7MY], S3453-S3470 [10MY], S3488-S3509, S3511-S3532 [11MY], S3569, S3572-S3613, S3616-S3627 [12MY], S3664-S3683, S3686-S3711 [13MY], S3769, S3772-S3778 [14MY], S3793, S3800-S3819 [17MY], S3855-S3902 [18MY], S3951-S3953, S3955-S3964, S3966-S3980 [19MY], S4027-S4078 [20MY], S10921 [21DE]

———motion to proceed, S2553-S2559, S2562, S2574-S2580 [22AP], S2605-S2637 [26AP], S2674-S2678, S2680-S2707 [27AP], S2716-S2719, S2721-S2745, S2747-S2750 [28AP]

———unanimous-consent agreement, S2682 [27AP], S2748 [28AP], S3617 [12MY]

———unanimous-consent request, S2553 [22AP], S3811, S3812 [17MY], S3896 [18MY], S4031 [20MY]

FDIC: amend the definition of the term ``assessment base'' to include a financial entity's total assets in determination of deposit insurance premiums, S3070, S3071, S3073-S3075 [4MY], S3149, S3153, S3154 [5MY], S3296-S3299, S3320 [6MY]

———establish a sunset for the authority Division for Consumer Financial Protection, S3694 [13MY]

———establish Division for Consumer Financial Protection, S3296, S3297, S3299-S3303, S3305-S3308, S3309-S3328 [6MY]

———exempt activities of nonprofit and tax-exempt organizations from risk-based matrix of factors used to assess entities with regard to liquidation authority, S5902 [15JY]

———impact of granting liquidation authority over small depository institutions and large financial institutions, S3960 [19MY]

———remove statutory references to credit rating agencies as sources for determining creditworthiness of investments, S3323 [6MY]

Federal agencies and departments: preserve independence of Inspectors General, S3875-S3877, S3882-S3884 [18MY]

FERC: clarify authority to ensure just and reasonable rates in electricity and natural gas markets, S3402 [7MY], S3879, S3890 [18MY]

Financial institutions: address concept of ``too big to fail'' through stricter limits on leverage and liabilities and through improved capital assessment and financial reporting, S2625 [26AP], S2997, S2998 [30AP], S3024-S3026 [3MY], S3080 [4MY], S3303, S3307-S3309, S3350, S3351 [6MY], S3888 [18MY]

———allow flexible mortgage loan payment terms based on seasonal incomes, S3072, S3073 [4MY]

———allow purchase and disposal of securities and other underwriting or market making activities that do not exceed near term demands of clients, customers, or counterparties, S5906 [15JY]

———amend the definition of financial company to impose limits on nondeposit liabilities for certain housing-related Government-sponsored enterprises, S3350, S3351 [6MY]

———clarify applicability of certain State enforcement authorities with respect to regulating national banks, S3867-S3873 [18MY]

———clarify treatment of U.S. branches and agencies of foreign banks relative to swap desk push out requirements, S5903 [15JY]

———create a financial stability council to oversee the financial regulatory activities of the Government, S3459-S3461 [10MY], S3953 [19MY]

———eliminate certain banking regulations that infringe on the privacy rights of customers, S3072, S3073 [4MY]

———eliminate special treatment of derivatives in bankruptcy and liquidation process, S2410 [19AP]

———enhance supervision of non-bank financial companies, S5872 [15JY]

———ensure application of antitrust laws to enhance accountability and protect consumers, S3626 [12MY]

———establish specific consumer protection liaison for Armed Forces members and their families, S3611-S3613 [12MY]

———exempt insurance company affiliates of depository institutions from proprietary trading restrictions, S4136 [24MY]

———limit transaction fees on customer withdrawals from automated cash machines, S3150, S3151 [5MY]

———make permanent the temporary increase in deposit insurance coverage, S5871 [15JY]

———mandate minimum leverage and risk-based capital standards on certain financial institutions, S3459-S3461 [10MY], S3616 [12MY], S3710 [13MY], S3774 [14MY], S4192 [25MY], S4973 [16JN]

———permit community banks to remain under FRS supervision, S2489, S2490 [21AP], S3138, S3139 [5MY], S3521-S3529 [11MY], S3573, S3574, S3575 [12MY]

———prohibit certain affiliations between commercial banking and investment banking companies, S3889 [18MY], S4072 [20MY]

———prohibit certain payments to loan originators and require verification by lenders of the ability of consumers to repay loans, S3516-S3521 [11MY], S3572-S3574 [12MY], S4064 [20MY]

———prohibit federally insured banks from engaging in proprietary trading and impose strict capital charges on large nonbanking financial entities, S2629 [26AP]

———prohibit naked credit default swaps, S2998 [30AP], S3079 [4MY], S3874, S3877-S3879, S3884, S3890-S3894 [18MY]

———protect consumers from interstate lending laws, S3149, S3150 [5MY], S3956 [19MY]

———provide an orderly and transparent bankruptcy process for non-bank financial institutions, S3620-S3624 [12MY], S3668-S3670, S3673, S3686-S3691 [13MY], S3802 [17MY], S4039 [20MY]

———provide for a safe, accountable, fair, and efficient banking system, S2781 [29AP]

———reform regulations for residential mortgage underwriting standards, S3513-S3521 [11MY], S3572, S3574, S3578 [12MY], S4043 [20MY]

———reform the way initial credit ratings are assigned, S3082 [4MY], S3155, S3156 [5MY], S3311 [6MY], S3399 [7MY], S3465 [10MY], S3673-S3678, S3681-S3683 [13MY], S3955, S3958, S3977-S3979 [19MY], S4044 [20MY]

———require all financial companies put into receivership to be liquidated, S2779-S2781 [29AP]

———require financial institutions to disclose to customers if they have a material conflict of interest with the financial product they are selling, S4062 [20MY]

———require systemically risky companies to disclose all off-balance sheet activities to the SEC, S3151 [5MY]

———restore certain provisions of law to separate investment banking from commercial banking, S2446 [20AP], S2492 [21AP]

Financial Stability Oversight Council: add State banking, insurance, and securities regulators as non-voting members, S3710 [13MY]

———add the Chairman of the National Credit Union Administration as a voting member, S3352 [6MY]

FRS: clarify definition of ``insurance company'' relative to application of orderly liquidation authority to mutual insurance holding companies, S5903 [15JY]

———create an office of military liaison within the Bureau of Consumer Financial Protection, S3400-S3402 [7MY], S3776-S3778 [14MY]

———establish Bureau of Consumer Financial Protection, S3578 [12MY], S3775 [14MY], S3960, S3974 [19MY], S5891 [15JY]

———exempt auto dealers from regulation by Bureau of Consumer Financial Protection, S3775-S3778 [14MY], S3814 [17MY], S4130-S4136, S4138 [24MY], S5911 [15JY]

———exempt small businesses from regulation by Bureau of Consumer Financial Protection, S3577, S3578, S3618 [12MY], S3862 [18MY], S4063, S4064 [20MY]

———increase transparency and accountability, S2446 [20AP]

———permit internal investment managers of certain financial entities to act as an independent representative for evaluation of security-based swap transactions, S5903 [15JY]

———prohibit Bureau of Consumer Financial Protection investigation of consumer transactions without the written permission of the consumer, S3800 [17MY], S4059 [20MY]

———publish information on financial assistance provided to various entities, S3670-S3673 [13MY]

———reform manner in which GAO audits the FRS Board of Governors and the manner in which such audits are reported, S3489-S3495 [11MY]

———require Board of Governors to publish information on financial assistance provided to various entities, S2362 [15AP], S3080 [4MY]

———require consideration of economic impact of Bureau of Consumer Financial Protection rules and regulations on small businesses, S3678-S3681 [13MY], S3884-S3888 [18MY]

———require GAO audit of the FRS Board of Governors and publication of information on financial assistance provided to various entities, S2686 [27AP], S2733 [28AP], S3016 [3MY], S3135-S3138 [5MY], S3329-S3334, S3337 [6MY], S3489-S3495 [11MY]

———require non-bank financial companies meet statutory minimum capital standards, S5902, S5903 [15JY]

———set minimum leverage level on all significant financial institutions, S4192 [25MY]

FTC: preserve enforcement and regulatory authority while coordinating regulatory efforts with the Bureau of Consumer Financial Protection, S3807, S3808 [17MY]

Governmental Accounting Standards Board: funding, S3976 [19MY]

Government-sponsored enterprises: establish a term for conservatorships of Fannie Mae and Freddie Mac, and provide conditions for continued operations, wind down, and dissolution of such enterprises, S3496-S3509 [11MY], S3669 [13MY], S4044 [20MY]

Health: ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers, S3154 [5MY]

Housing: establish suitability standards for seniors relative to reverse mortgages and increase regulation of industry, S4040 [20MY]

———reform the regulation of the housing-related Government-sponsored enterprises, S2487 [21AP], S2694 [27AP], S3341-S3345 [6MY], S3386 [7MY], S3456, S3461-S3468 [10MY], S3804-S3806, S3809 [17MY], S3957, S3960, S3969-S3971 [19MY], S4037, S4042, S4064, S4071-S4074 [20MY]

IMF: certify that loans to foreign countries whose public debt exceeds its gross domestic product will be repaid, S3802, S3810, S3817 [17MY]

Investments: clarify definition of swap dealers to not include end users that execute swaps through affiliates, S5907 [15JY]

———provide authority to CFTC and SEC to determine if a person dealing under-collateralization of investment swaps is a major swap participant or a major security-based swap participant, S5907 [15JY]

Mining and mineral resources: require U.S.-registered companies selling products using columbite-tantalite, coltan, cassiterite, and wolframite to disclose the country-of-origin of such materials to the SEC, S3866 [18MY], S3976 [19MY]

Motor vehicles: exempt auto dealers from regulation by Consumer Financial Protection Agency, S2692, S2693 [27AP]

Real estate: exempt qualified mortgages from credit risk retention requirements based on asset class and type of loan, S3590, S3591 [12MY]

———exempt qualified residential mortgages from credit risk retention requirements, S3575, S3576, S3591 [12MY], S10441 [17DE]

SEC: clarify definition of ``accredited investor'' to facilitate access by small businesses to capital, S3812-S3814, S3817 [17MY], S4063, S4064 [20MY]

———prohibit authority to set agency budget and collect fees from regulated companies, S3899 [18MY], S3974-S3977 [19MY]

———prohibit use of fee revenues to fund operations without undergoing annual appropriations process, S4139 [24MY]

———provide whistleblower protections for employees of nationally recognized statistical rating organizations, S3349 [6MY], S5872 [15JY]

———regulation of high-frequency trading, S3340 [6MY], S3582-S3585 [12MY]

———require investment advisers to private funds to register with the SEC, S3899 [18MY]

———set standards and exercise oversight of credit rating agency procedures, S3682 [13MY]

———set standards for independence of compensation consultants, S4037 [20MY]

Securities: allow for private right of action against secondary violators that provide substantial assistance in aiding-and-abetting securities fraud, S3399 [7MY], S3618 [12MY], S3664, S3670, S3701 [13MY]

———clarify exemption for certain annuity contracts and insurance policies from Federal regulation, S4028-S4032 [20MY], S5917 [15JY]

———comprehensively regulate derivatives markets to increase transparency and reduce risks in the financial system, S2497, S2500 [21AP], S2698 [27AP], S2776 [29AP], S3067 [4MY]

———direct the SEC and the CFTC to determine if stable value funds and wrap contracts should be treated as swaps, S5906 [15JY]

———establish a fiduciary standard of care for broker-dealers, S3399 [7MY]

———prohibit Federal assistance to bailout swap dealers and major swap participants, S3140 [5MY], S4192 [25MY], S5886 [15JY]

———prohibit proprietary trading and certain relationships with hedge funds and private equity funds and address conflicts of interest with respect to certain securitizations, S2633 [26AP], S2690, S2691 [27AP], S3468-S3470 [10MY], S3874, S3888, S3896-S3902 [18MY], S3963, S3966 [19MY], S4044, S4057-S4059 [20MY], S4110 [24MY], S4192 [25MY], S5886, S5889, S5893-S5899, S5901, S5904, S5932 [15JY]

———regulate over-the-counter derivatives markets and improve market transparency, S3595-S3610 [12MY], S3953, S3966 [19MY], S4042 [20MY], S5890 [15JY]

———study imposition of a transaction fee on all security-based transactions, S3587 [12MY]

Senate: impact of partisanship, S2673 [27AP], S2716, S2718 [28AP], S3087 [4MY]

———importance of bipartisanship, S5803 [14JY]

———tribute to congressional staff who worked on H.R. 4173, provisions, S4139 [24MY], S5828, S5835 [14JY], S5932 [15JY]

Senate Rules: eliminate secret holds on Presidential nominations or legislation, S3085 [4MY], S3665-S3668, S3693, S3694, S3705-S3708 [13MY], S3811, S3812 [17MY], S3895, S3896 [18MY]

States: retain preemption standard for State consumer financial laws, S5902 [15JY]

Taxation: impose an excise tax on bonuses paid to employees by businesses that receive Federal emergency economic assistance and limit deduction allowable for such bonuses, S2994-S2997 [30AP], S3580 [12MY]

———limit certain executive compensation paid by systemically significant financial institutions, S2409 [19AP]

———rates, S3323 [6MY]

Truth in Lending Act: establish additional protections for consumers with regard to payday loans, S3873 [18MY]

U.S. Sentencing Commission: review and amend Federal sentencing guidelines and policy statements applicable to persons convicted of securities fraud, S3399 [7MY]

Whistleblowing: protect identity of whistleblowers and ensure transparency and accountability in Government investigations of financial fraud, S3975 [19MY]

Reports

Small Business Advocacy Review Panels (1997-2009), S3680 [13MY]

Reports filed

Consideration of Conference Report on H.R. 4173, Provisions: Committee on Rules (House) (H. Res. 1490) (H. Rept. 111-518), H5302 [30JN]

Provisions: Committee of Conference (H.R. 4173) (H. Rept. 111-517), H4973, H5202 [29JN]

———Committee on Banking, Housing, and Urban Affairs (Senate) (S. 3217), S2377 [15AP]

———Committee on Banking, Housing, and Urban Affairs (Senate) (S. 3217) (S. Rept. 111-176), S3006 [30AP]

Same-Day Consideration of Resolutions Allowing Consideration of Certain Legislation: Committee on Rules (House) (H. Res. 1487) (H. Rept. 111-516), H4973, H5202 [29JN]

Statements

Derivatives Regulation Legislation: FRS, S3069 [4MY]

Regulate Over-the-Counter Derivatives Markets and Improve Market Transparency: Senator Lincoln, S5920-S5925 [15JY]

Tables

Mandatory GAO reports and studies required by the Dodd-Frank Wall Street Reform and Consumer Protection Act, E1653 [15SE]

Texts of

H. Res. 1487, same-day consideration of resolutions allowing consideration of certain legislation, H5212 [30JN]

H. Res. 1490, consideration of conference report on H.R. 4173, provisions, H5223 [30JN]

H.R. 4173, provisions, S4239-S4394 [25MY]

Tributes

Shelby, Senator, S3352 [6MY]