CREDIT

Amendments

Dept. of HUD: rescind unobligated funding for FHA Refinance Program and terminate the program (H.R. 830), H1621, H1622 [8MR], H1666, H1667, H1668 [9MR], H1686, H1690, H1691, H1692, H1693, H1694, H1695, H1696, H1697, H1700 [10MR]

———rescind unobligated funding for FHA Refinance Program and terminate the program (H.R. 830), consideration (H. Res. 150), H1639 [9MR]

———rescind unobligated funding for the Emergency Mortgage Relief Program and terminate the program (H.R. 836), H1622 [8MR], H1668 [9MR], H1740, H1742, H1746 [11MR]

Dept. of the Treasury: terminate authority to provide new assistance under the Home Affordable Modification Program while preserving assistance that was already offered (H.R. 839), H2003, H2007, H2008, H2010, H2011, H2013, H2014, H2016 [29MR]

Financial Stability Oversight Council: strengthen review authority of regulations issued by Consumer Financial Protection Bureau (H.R. 1315), H5328, H5329, H5330, H5333, H5334, H5335, H5336, H5337, H5338, H5340, H5341 [21JY]

Small Business Act: extend programs (H.R. 2608), S4974, S5023 [28JY], S5922, S5952, S5954, S5956 [23SE], S5994, S5995, S5996 [26SE], S6053 [3OC], H6315 [21SE], H6399, H6400 [22SE], H6529 [4OC]

———extend programs (H.R. 2608), consideration of Senate amendment (H. Res. 405), H6312 [21SE]

———extend programs (H.R. 2608), consideration of Senate amendment (H. Res. 412), H6397 [22SE]

———extend programs (S. 990), S3199, S3200 [19MY], S3262, S3263, S3284, S3285 [24MY], S3346, S3347, S3348, S3349, S3356, S3357, S3358, S3359, S3360, S3361 [25MY], S3400, S3455, S3456 [26MY], H3352 [24MY], H3739 [26MY]

Small Business Investment Act: extend programs (H.R. 2608), S4974, S5023 [28JY], S5922, S5952, S5954, S5956 [23SE], S5994, S5995, S5996 [26SE], S6053 [3OC], H6315 [21SE], H6399, H6400 [22SE], H6529 [4OC]

———extend programs (H.R. 2608), consideration of Senate amendment (H. Res. 405), H6312 [21SE]

———extend programs (H.R. 2608), consideration of Senate amendment (H. Res. 412), H6397 [22SE]

———extend programs (S. 990), S3199, S3200 [19MY], S3262, S3263, S3284, S3285 [24MY], S3346, S3347, S3348, S3349, S3356, S3357, S3358, S3359, S3360, S3361 [25MY], S3400, S3455, S3456 [26MY], H3352 [24MY], H3739 [26MY]

Articles and editorials

Analysis of the Obama Jobs Plan, S6409 [12OC]

As Lenders Hold Homes in Foreclosure, Sales Are Hurt, H3923 [2JN]

Bank Overcharged Military Families on Mortgages, E78 [19JA]

Card Game—How Visa, Using Card Fees, Dominates a Market, S1569 [10MR]

House GOP Targets Consumer Protection Bureau With CR, H1136 [17FE]

Never Mind the Lobbyists, Durbin Amendment Helps Small Banks, S1571 [10MR]

Road to a Downgrade, S5105 [30JY]

Bills and resolutions

Armed Forces: encourage creditors to safeguard credit scores of members of Armed Forces and their immediate family in the event of a Government shutdown (see H. Res. 215), H2570 [8AP]

———enhance certain mortgage, mortgage foreclosure, and eviction protections (see H.R. 1566), H2855 [14AP]

———enhance mortgage, mortgage foreclosure, and eviction protections (see S. 486), S1219 [3MR]

———enhance mortgage, mortgage foreclosure, installment contract, and eviction protections during a funding gap caused by the failure to enact interim or full-year appropriations (see H.R. 2654), H5579 [26JY]

———permanently extend period of mortgage foreclosure protections (see H.R. 544), H550 [8FE] (see H.R. 1911), H3301 [13MY]

———require financial institutions that are creditors of members to comply with the Servicemembers Civil Relief Act and maintain a toll-free number to assist members (see H.R. 2329), H4527 [23JN]

Bankruptcy: amend laws relative to modification of certain mortgages on principal residences (see H.R. 1587), H2910 [15AP]

———combat creditor abuses in the bankruptcy process by providing remedies for negligent, reckless, or fraudulent assertion of claim (see S. 1054), S3274 [24MY]

———extend exemption from application of means-test presumption of abuse for qualifying Armed Forces Reserve component and National Guard members called to active duty or homeland defense activities (see H.R. 2192), H4277 [15JN]

———make privately issued student loans dischargeable (see S. 1102), S3427 [26MY] (see H.R. 2028), H3755 [26MY]

Consumers: delay implementation of proposed or final rules relative to reasonable and proportional fees and rules for electronic debit transactions (see H.R. 1081), H1841 [15MR]

———exclude from consumer credit reports medical debt that has been in collection and has been fully paid or settled (see H.R. 2086), H3985 [2JN]

———protect from usury (see H.R. 336), H354 [19JA]

———require disclosure of terms of rental-purchase agreements (see S. 881), S2686 [4MY] (see H.R. 1588), H2910 [15AP]

———require inclusion of credit scores with free annual credit reports provided to consumers (see H.R. 769), H1176 (see H.R. 769), H1196 [17FE]

Courts: bar debt collectors from bringing legal action on a debt in which the statute of limitations has expired against any consumer (see H.R. 2361), H4573 [24JN]

Credit cards: prevent abuse of Government credit cards (see S. 300), S629 [8FE]

Dept. of Agriculture: establish a program to provide loans for local farms, ranches, and market gardens to improve public health and nutrition and reduce energy consumption (see S. 1888), S7702 [17NO]

———expand eligibility for Farm Service Agency loans (see S. 1592), S5838 [21SE] (see H.R. 874), H1523 [2MR]

———extend suspension of limitation on the period for which certain borrowers are eligible for Farm Service Agency guaranteed assistance (see H.R. 1233), H2037 [29MR] (see H.R. 1422), H2533 [7AP] (see H.R. 1607), H2911 [15AP]

———improve the business and industry direct and guaranteed loan program (see S. 805), S2446 [13AP]

———increase access to healthy food for families and to credit for small and new farmers (see S. 2016), S8734 [16DE]

———promote growth and opportunity for the dairy industry (see S. 1682), S6461 [12OC]

———suspend limitation on the period for which certain borrowers are eligible to receive loan guarantees (see S. 368), S791 [16FE]

Dept. of Education: allow conversion of Federal Family Education Loan Program debt to the William D. Ford Federal Direct Loan Program (see S. 1068), S3338 [25MY] (see H.R. 2732), H5883 [1AU]

———enter into voluntary, flexible agreements with certain guaranty agencies to provide delinquency prevention and default aversion services for Federal Direct Loan Program borrowers (see H.R. 3624), H8318 [8DE]

———establish a temporary private education loan debt consolidation program to assist eligible borrowers in refinancing private education debt as Federal Direct Consolidation Loans (see H.R. 2410), H4671 [6JY]

———provide that interest shall not accrue on Federal Direct Loans for active-duty servicemembers regardless of disbursement date (see S. 1139), S3428 [26MY]

Dept. of Energy: insure loans for financing of renewable energy systems leased for residential use (see S. 1126), S3427 [26MY]

———prohibit subordination of position in energy loan guarantees to outside investors (see S. 1912), S7829 [18NO]

Dept. of HHS: provide for the participation of optometrists in the National Health Service Corps scholarship and loan repayment programs (see H.R. 1195), H1984 [17MR]

———provide for the participation of physical therapists in the National Health Service Corps Loan Repayment Program (see S. 975), S2928 [12MY] (see H.R. 1426), H2533 [7AP]

Dept. of HUD: improve financial safety and soundness of the FHA mortgage insurance program (see H.R. 1977), H3409 [24MY]

———provide grants to State and local governments to carry out programs to provide mediation between mortgagees and mortgagors facing foreclosure (see H.R. 1131), H1906 [16MR]

———rescind unobligated funding for FHA Refinance Program and terminate the program (see H.R. 830), H1390 [28FE]

———rescind unobligated funding for FHA Refinance Program and terminate the program (H.R. 830), consideration (see H. Res. 150), H1618 [8MR]

———rescind unobligated funding for the Emergency Mortgage Relief Program and terminate the program (see H.R. 836), H1390 [28FE]

———rescind unobligated funding for the Emergency Mortgage Relief Program and terminate the program (H.R. 836), consideration (see H. Res. 151), H1618 [8MR]

Dept. of the Treasury: establish centers of excellence in financial literacy education for young adults and families (see H.R. 300), H254 [18JA]

———prohibit from providing extra support to the Federal Housing Administration (see S. 1997), S8679 [15DE]

———prohibit reduction in the rate of dividends paid on purchased senior preferred stock of Fannie Mae and Freddie Mac (see H.R. 2436), H4747 [7JY]

———provide the Special Inspector General for the Troubled Asset Relief Program with oversight of the Small Business Lending Fund (see H.R. 1387), H2409 [6AP]

———terminate authority to provide new assistance under the Home Affordable Modification Program while preserving assistance that was already offered (see S. 527), S1502 [9MR] (see H.R. 839), H1390 [28FE]

———terminate authority to provide new assistance under the Home Affordable Modification Program while preserving assistance that was already offered (H.R. 839), consideration (see H. Res. 170), H1840 [15MR]

———terminate authority under the Troubled Asset Relief Program and prevent future bailouts (see H.R. 189), H40 [5JA]

———transfer unobligated and repaid funds from the Small Business Lending Fund to the Community Development Financial Institutions Fund (see H.R. 2807), H5895 [5AU]

Dept. of Veterans Affairs: extend demonstration projects on adjustable rate mortgages and hybrid adjustable rate mortgages (see H.R. 3330), H7256 [2NO]

———improve and make permanent the loan guarantee for the purchase of residential cooperative housing units (see H.R. 3277), H7160 [27OC]

———improve provision of assistance to homeless veterans, regulation of fiduciary matters, housing programs and loans, and other benefits (see S. 1148), S3497 [6JN]

———provide eligibility for guaranteed housing loans for the surviving spouses of certain totally-disabled veterans (see H.R. 120), H37 [5JA]

Discrimination: prohibit creditors from discriminating on account of sexual orientation or gender identity when extending credit (see H.R. 1488), H2603 [12AP]

———prohibit housing and credit decision discrimination on the basis of sexual orientation, gender identity, marital status, or source of income (see S. 1605), S5902 [22SE] (see H.R. 3030), H6413 [22SE]

District of Columbia: eliminate all federally imposed mandates over the local budget process, financial management, and the borrowing of money (see H.R. 345), H354 [19JA]

Economy: adjust certain home loans and forgive certain student loans (see H. Res. 365), H5398 [22JY]

———modernize and reform monetary system and restore exclusive and sovereign authority of U.S. Government to create and regulate money to rebuild the economy (see H.R. 2990), H6341 [21SE]

Education: require additional disclosures and protections for students and cosigners relative to student loans (see S. 1748), S6871 [20OC] (see H.R. 3240), H6987 [21OC]

Employment: prohibit use of consumer credit checks against prospective and current employees for the purpose of making adverse employment decisions (see H.R. 321), H353 [19JA]

Family Foreclosure Rescue Corp.: establish (see H.R. 3129), H6671 [6OC]

Fannie Mae and Freddie Mac Investigative Commission: establish (see H.R. 2093), H3985 [2JN]

Federal Housing Finance Agency: authorize revocation of Fannie Mae and Freddie Mac charters or any limited-life regulated entity established under receivership (see H.R. 2439), H4748 [7JY]

———temporarily increase the conforming loan limits for Fannie Mae and Freddie Mac that are applicable to high-cost sub-areas within counties (see H.R. 3084), H6505 [3OC]

FHA: require equitable treatment of homebuyers who have repaid their FHA-insured mortgages in full (see S. 488), S1219 [3MR]

Financial institutions: encourage the meeting of needs of borrowers in low- to moderate-income communities (see H.R. 1662), H2913 [15AP]

———exclude small lenders from certain Wall Street Reform and Consumer Protection Act regulations (see H.R. 3336), H7329 [3NO]

———permit certain current loans that would otherwise be treated as non-accrual loans as accrual loans for certain purposes (see H.R. 1723), H3060 [4MY]

———prohibit insured depository institutions from charging consumers fees for use of debit cards (see H.R. 3190), H6920 [13OC]

———provide protection for consumers who have prepaid cards (see S. 2030), S8775 [17DE]

———reform limits on member business loans by credit unions (see H.R. 3745), H10014 [20DE]

———repeal certain debit card interchange price controls and restore balance to the electronic payments system (see H.R. 3156), H6853 [12OC]

———restore certain provisions of law to separate investment banking from commercial banking (see H.R. 1489), H2603 [12AP] (see H.R. 2451), H4748 [7JY]

———study the market and appropriate regulatory structure for electronic debit card transactions (see S. 575), S1676 [15MR]

Financial literacy: provide grants to promote (see S. 787), S2387 [12AP] (see S. 853), S2507 [14AP] (see S. 865), S2580 [2MY] (see H.R. 1918), H3301 [13MY]

———require financial literacy and economic education counseling for student borrowers (see S. 1260), S4024 [22JN] (see H.R. 2535), H5085 [14JY]

Financial Literacy Month: designate (see S. Res. 121), S2047 [31MR]

Financial Stability Oversight Council: strengthen review authority of regulations issued by Consumer Financial Protection Bureau (see H.R. 1315), H2265 [1AP]

———strengthen review authority of regulations issued by Consumer Financial Protection Bureau (H.R. 1315), consideration (see H. Res. 358), H5284 [20JY]

FRS: move the Consumer Financial Protection Bureau into the Dept. of the Treasury (see H.R. 557), H550 [8FE] (see H.R. 1355), H2291 [4AP]

———postpone date for transfer of functions to the Consumer Financial Protection Bureau if the Bureau does not have a Director in place (see H.R. 1667), H2933 [2MY]

———repeal authority of the Consumer Financial Protection Bureau to prohibit certain acts or practices (see H.R. 2612), H5373 [21JY]

———replace the Director of the Consumer Financial Protection Bureau with a five person commission (see H.R. 1121), H1905 [16MR]

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. 1767), S6917 [31OC]

Government-sponsored enterprises: clarify treatment of mortgages held or securitized by Fannie Mae or Freddie Mac and asset-backed securities issued by such entities relative to credit risk retention requirements (see H.R. 1223), H2036 [29MR]

———exercise clean-up call options under securities issued by Fannie Mae or Freddie Mac and prohibit new mortgage-backed securities to contain provisions for such options (see H.R. 3530), H7998 [30NO]

———increase guarantee fees charged by Fannie Mae and Freddie Mac relative to mortgage-backed securities guaranteed by such enterprises (see H.R. 1222), H2036 [29MR]

———increase rate of required annual reductions of retained portfolios of Fannie Mae and Freddie Mac (see H.R. 1224), H2036 [29MR]

———prohibit Fannie Mae and Freddie Mac from issuing any new debt without advance approval by the Dept. of the Treasury (see H.R. 1225), H2036 [29MR]

———prohibit Fannie Mae and Freddie Mac from offering any new products during the term of any conservatorship or receivership of such enterprises (see H.R. 1227), H2037 [29MR]

———reduce interest rates on mortgages owned or guaranteed by Fannie Mae and Freddie Mac (see H.R. 3733), H9945 [19DE]

———repeal affordable housing goals for Fannie Mae and Freddie Mac (see H.R. 1226), H2036 [29MR]

Health Care and Education Reconciliation Act: deauthorize appropriations (see H.R. 127), H38 [5JA]

———repeal (see H.R. 299), H254 [18JA]

Higher Education Act: expand teacher loan forgiveness (see H.R. 85), H35 [5JA]

Housing: allow homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters (see H.R. 1548), H2854 [14AP]

———enable Federal and State chartered banks and thrifts to meet the credit needs of homebuilders, and provide liquidity and ensure stable credit for meeting the need for new homes (see H.R. 1755), H3107 [5MY]

———extend protection of interests of tenants in the case of any foreclosure on any dwelling or residential real property and establish a right of action to enforce compliance with such protections (see H.R. 3619), H8318 [8DE]

———require energy audits be conducted for any single-family and multifamily housing purchases using federally related housing loans (see H.R. 627), H679 [10FE]

———require home inspections conducted for property with federally related mortgages be conducted by State-licensed or certified home inspectors and include such inspections in settlement statements (see H.R. 2191), H4277 [15JN]

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. 86), S124 [25JA] (see H.R. 1763), H3107 [5MY]

Mortgages: declare national residential mortgage foreclosure emergency and encourage States to enact a temporary moratorium on foreclosures (see H. Res. 344), H4793 [8JY]

———defer payment due dates and prohibit creditors from imposing late fees, increasing interest rates, or submitting adverse credit information on mortgages for residences impacted by a disaster (see H.R. 2979), H6271 [20SE]

———encourage private capital to support secondary mortgage market and limit role of Federal Government and exposure of taxpayers to ensure availability of reasonably priced conventional mortgages (see H.R. 1859), H3277 [12MY]

———ensure uniformity and fairness in deficiency judgments arising from foreclosures on mortgages for single family homes (see H.R. 3566), H8186 [6DE]

———establish a mandatory mediation process for servicers of residential mortgages and borrowers (see H.R. 3595), H8260 [7DE]

———establish a privately financed Federal Secondary Market Facility for Residential Mortgages, terminate Fannie Mae and Freddie Mac conservatorships, and repeal charter acts of such enterprises (see H.R. 2413), H4671 [6JY]

———establish clear regulatory standards for mortgage servicers (see S. 967), S2928 [12MY]

———exempt certain creditors from the escrow account requirement for higher-priced mortgage loans (see H.R. 3651), H8880 [13DE]

———extend increase in the maximum original principal obligation of a mortgage that may be purchased by Fannie Mae or Freddie Mac (see H.R. 2508), H5017 [13JY]

———extend loan limits of the FHA, housing-related Government-sponsored enterprises, and the Dept. of Veterans Affairs (see S. 1508), S5251 [2AU]

———permanently increase conforming loan limits for the housing-related Government-sponsored enterprises and the FHA maximum mortgage amount limitations (see H.R. 1754), H3107 [5MY]

———prohibit Fannie Mae, Freddie Mac, and Ginnie Mae from owning or guaranteeing any mortgage that is assigned to, or for which, the Mortgage Electronic Registration Systems is the mortgagee of record (see H.R. 2425), H4671 [6JY]

———prohibit issuance of residential mortgages to individuals who lack a Social Security account number (see H.R. 691), H774 [14FE]

———provide a processing extension for emergency mortgage relief payments (see S. 1623), S5945 [23SE]

———provide enhanced mortgage-backed and asset-backed security investor protections to prevent foreclosure fraud (see S. 824), S2506 [14AP] (see H.R. 1783), H3108 [5MY]

———require applicants for a home mortgage be federally insured, held by Fannie Mae or Freddie Mac, or made by Dept. of Veterans Affairs, that the mortgagor be verified under the E-verify program (see H.R. 695), H774 [14FE]

———require certain mortgagees to evaluate loans for modifications and establish a grant program for State and local government mediation programs (see H.R. 1477), H2603 [12AP]

———require Federal mortgage agencies to consider energy costs in the underwriting process, reduce home energy consumption, and facilitate creation of energy efficiency retrofit and construction jobs (see S. 1737), S6764 [19OC]

———require lender or servicer of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale (see H.R. 1498), H2603 [12AP]

———require mortgagees for mortgages in default to engage in reasonable loss mitigation activities (see H.R. 1567), H2855 [14AP]

———require the filing of certain information regarding a residential mortgage in any proceeding for mortgage foreclosure (see H.R. 1618), H2911 [15AP]

———restore and repair mortgage markets by making them transparent, bringing in private capital, and winding down Government-sponsored enterprises (see S. 1834), S7294 [9NO]

———revoke Fannie Mae and Freddie Mac charters, temporarily create a Mortgage Finance Agency to secure mortgages until the transition to privatization, and protect against another housing collapse (see S. 1963), S8460 [8DE]

National Infrastructure Bank: establish (see S. 1550), S5536 [13SE] (see H.R. 3259), H7068 [25OC]

National Infrastructure Development Bank: establish (see H.R. 402), H433 [24JA]

Office of the Comptroller of the Currency: create a charter for Federal Financial Services and Credit Companies (see H.R. 1909), H3301 [13MY]

Power resources: prevent Federal residential and commercial mortgage lending regulators from adopting policies that contravene established State and local property assessed clean energy (PACE) laws (see H.R. 2599), H5285 [20JY]

Privacy: foster transparency about commercial use of personal information and provide consumers with choice about collection, use, and disclosure of such information (see H.R. 611), H679 [10FE]

———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. 1151), S3541 [7JN]

———protect consumers and businesses from identity theft and require notice of security breaches (see S. 1434), S5017 [28JY]

———protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information and require data breach notification (see S. 1207), S3813 [15JN] (see H.R. 1707), H3060 [4MY] (see H.R. 1841), H3218 [11MY] (see H.R. 2577), H5149 [18JY]

———protect consumers from identity theft, provide notice of and remedies for security breaches, and enhance accountability and penalties for unauthorized use of personally identifiable information (see S. 1535), S5459 [8SE]

Public debt: establish a fee on transactions to eliminate the national debt, provide a tax credit to offset the impact of the fee, and establish the Bipartisan Task Force for Responsible Fiscal Action (see H.R. 1125), H1905 [16MR]

———express that the President does not have the authority to ignore the statutory debt limit by ordering the Dept. of the Treasury to continue issuing debt on the full faith and credit of the U.S. (see S. Res. 226), S4450 [7JY]

Real estate: limit investor and homeowner losses in foreclosures (see S. 222), S338 [27JA] (see H.R. 2713), H5811 [30JY]

———proposed settlement between Dept. of Justice, State attorneys general, and mortgage services relative to mortgage fraud and the economic crisis (see H. Con. Res. 85), H7331 [3NO]

SBA: establish and carry out a direct lending program for small business concerns (see H.R. 3007), H6342 [21SE]

———extend temporary program allowing refinancing of certain eligible fixed assets under the Certified Development Company/504 Loan Program (see H.R. 2950), H6231 [15SE]

———improve the Express Loan Program (see H.R. 2936), H6230 [15SE]

———increase small business lending (see S. 1828), S7187 [8NO]

———provide for low interest loans for small businesses in major disaster areas (see H.R. 3042), H6455 [23SE]

———temporarily reduce interest rates for certain small business disaster loans (see S. 1709), S6505 [13OC]

———waive interest for certain loans relative to damage caused by certain recent hurricanes (see S. 653), S1894 [28MR] (see H.R. 1336), H2266 [1AP]

SEC: exempt certain regulatory requirements put in place under the Wall Street Reform and Consumer Protection Act (see H.R. 2779), H5885 [1AU]

———limit liability of Nationally Recognized Statistical Rating Organizations by reinstating rule relative to inclusion of security ratings in registration statements (see H.R. 1539), H2854 [14AP]

Securities: increase standardization and transparency and ensure rule of law in the mortgage-backed security system (see H.R. 3644), H8879 [13DE]

Small Business Act: extend programs (see S. 990), S2929 [12MY] (see S. 1078), S3339 [25MY] (see S. 1082), S3426 [26MY] (see H.R. 366), H394 [20JA] (see H.R. 2608), H5373 [21JY]

———extend programs (H.R. 2608), consideration of Senate amendment (see H. Res. 405), H6271 [20SE] (see H. Res. 412), H6412 [22SE]

———extend programs (H.R. 2608), correction in enrollment (see H. Con. Res. 81), H6413 [22SE] (see H. Con. Res. 83), H6505 [3OC]

———extend programs (S. 990), consideration of Senate amendment (see H. Res. 281), H3753 [26MY]

Small Business Investment Act: extend programs (see S. 990), S2929 [12MY] (see S. 1078), S3339 [25MY] (see S. 1082), S3426 [26MY] (see H.R. 366), H394 [20JA] (see H.R. 2608), H5373 [21JY]

———extend programs (H.R. 2608), consideration of Senate amendment (see H. Res. 405), H6271 [20SE] (see H. Res. 412), H6412 [22SE]

———extend programs (H.R. 2608), correction in enrollment (see H. Con. Res. 81), H6413 [22SE] (see H. Con. Res. 83), H6505 [3OC]

———extend programs (S. 990), consideration of Senate amendment (see H. Res. 281), H3753 [26MY]

Social Security: limit the misuse of Social Security numbers and establish criminal penalties for such misuse (see S. 1199), S3812 [15JN]

———notify individuals of improper use of their Social Security account numbers (see H.R. 311), H254 [18JA]

States: empower States to set the maximum annual percentage rates applicable to consumer credit transactions (see S. 1829), S7187 [8NO]

Student Financial Aid Awareness Month: designate (see H. Res. 63), H510 [26JA]

Taxation: allow a deduction for interest paid on indebtedness incurred in connection with the purchase of a new automobile or light truck (see H.R. 3756), H10015 [20DE]

———make permanent the deduction for mortgage insurance premiums (see H.R. 1018), H1724 [10MR]

———make permanent the minimum low-income housing tax credit rate for unsubsidized buildings and provide a minimum credit rate for existing buildings (see S. 1989), S8602 [14DE]

———permanently extend certain expiring provisions of the Internal Revenue Code (see H.R. 1601), H2911 [15AP]

———prevent further restriction of Federal income tax deduction for interest paid on debt secured by a first or second home (see H. Res. 25), H103 [6JA]

———provide for the deductibility of higher education expenses and interest on student loans (see H.R. 953), H1619 [8MR]

Truth in Lending Act: improve certain provisions relative to the compensation of mortgage originators (see H.R. 2509), H5017 [13JY]

———provide coverage for credit cards issued to small businesses (see H.R. 1137), H1906 [16MR]

Veterans: provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures (see H.R. 1263), H2106 [30MR]

Cloture motions

Small Business Act: extend programs (H.R. 2608), House amendment, S5922 [23SE], S5976 [26SE]

———extend programs (S. 990), House amendment, S3262 [24MY], S3368 [26MY]

Small Business Investment Act: extend programs (H.R. 2608), House amendment, S5922 [23SE], S5976 [26SE]

———extend programs (S. 990), House amendment, S3262 [24MY], S3368 [26MY]

Factsheets

Servicemembers Civil Relief Act (SCRA) of 2003—Mortgage Interest Rate Reduction for Active Duty Military Personnel, E78 [19JA]

Letters

Consumer Financial Protection Bureau funding: Americans for Financial Reform (organization), H1136 [17FE]

Debit Interchange Fee Study Act: several gasoline retail organizations, S2902 [12MY]

Exempt qualified residential mortgages from credit risk retention requirements: several Senators, S3568 [7JN]

HAMP Termination Act and NSP Termination Act: Rafael E. Cestero, New York, NY, Dept. of Housing Preservation & Development, H1871, H1888 [16MR]

Promulgate regulations regarding debit and credit card interchange transaction fees: Americans for Financial Reform (organization), S2023 [31MR]

———Anthony Evans, National Black Church Initiative (organization), S2184 [6AP]

———Brian E. Cartier, National Association of College Stores, S2025 [31MR]

———Gus K. West, Hispanic Institute, S2023 [31MR]

———Jesse L. Jackson, Sr., Rainbow PUSH Coalition, S2183 [6AP]

———Main Street Alliance, S2184 [6AP]

———Merchants Payments Coalition, S2717 [5MY]

———Molly Corbett Broad, American Council on Education, S2023 [31MR]

———Senator Durbin, S2718 [5MY]

———Travis Plunkett, Consumer Federation of America, S2023 [31MR]

———U.S. Public Interest Research Group and Public Citizen (organization), S2023 [31MR]

Study the market and appropriate regulatory structure for electronic debit card transactions: Molly Corbett Broad, American Council on Education, S3574 [8JN]

———Public Citizen (organization) and U.S. Public Interest Research Group, S3574 [8JN]

———Tom Gordy, Armed Forces Marketing Council, S3574 [8JN]

Wells Fargo & Co., eviction of Darlene Bowland from her home due to default on predatory loan: Representative Lofgren, H8878 [13DE]

Lists

Home Affordable Modification Program activity by State, H2015 [29MR]

Motions

Dept. of HUD: rescind unobligated funding for FHA Refinance Program and terminate the program (H.R. 830), H1702 [10MR]

———rescind unobligated funding for the Emergency Mortgage Relief Program and terminate the program (H.R. 836), H1748 [11MR]

Dept. of the Treasury: terminate authority to provide new assistance under the Home Affordable Modification Program while preserving assistance that was already offered (H.R. 839), H2020 [29MR]

Financial Stability Oversight Council: strengthen review authority of regulations issued by Consumer Financial Protection Bureau (H.R. 1315), H5345 [21JY]

Small Business Act: extend programs (H.R. 2608), S5922 [23SE], S5976 [26SE], H6400 [22SE], H6530 [4OC]

———extend programs (S. 990), S3262 [24MY], S3400, S3401 [26MY], H3739 [26MY]

Small Business Investment Act: extend programs (H.R. 2608), S5922 [23SE], S5976 [26SE], H6315 [21SE], H6400 [22SE], H6530 [4OC]

———extend programs (S. 990), S3262 [24MY], S3400, S3401 [26MY], H3739 [26MY]

Proposals

FDIC recoupment of money spent under the Troubled Asset Relief Program for mortgage foreclosure mitigation programs through a special assessment on large financial institutions, H1737 [11MR], H1861 [16MR]

Remarks in House

Armed Forces: enhance certain mortgage, mortgage foreclosure, and eviction protections (H.R. 1566), H6728 [11OC]

———include veterans and members who have service-connected injuries and their survivors and dependents in FHA refinance program study, H1692, H1693 [10MR]

Bankruptcy: extend exemption from application of means-test presumption of abuse for qualifying Armed Forces Reserve component and National Guard members called to active duty or homeland defense activities (H.R. 2192), H7906, H7907 [29NO]

———make privately issued student loans dischargeable (H.R. 2028), H7083 [26OC]

———reform laws to provide equal level of bankruptcy relief to homeowners as business owners, H8969 [15DE]

Charlotte, NC: anniversary of First Legacy Community Credit Union, E728 [15AP]

Consumer Financial Protection Bureau: Dept. of the Treasury and FRS inspectors general report identifying and documenting mission-critical activities and legislative mandates, H5585 [27JY]

Dept. of Agriculture: extend suspension of limitation on the period for which certain borrowers are eligible for Farm Service Agency guaranteed assistance (H.R. 1607), E745 [15AP]

Dept. of Education: terminate authority to make certain loans to graduate and professional students and direct loan repayment incentives, H7244 [2NO]

Dept. of HUD: conduct study on effects of terminating FHA Refinance Program and create a replacement mortgage insurance program, H1693 [10MR]

———conduct study on negative impact of underwater mortgage loans on the economy and housing market, H1694, H1695, H1696 [10MR]

———continue to provide emergency mortgage relief services to Armed Forces members, veterans, and their survivors and dependents, H1748, H1749 [11MR]

———create program allowing qualifying homeowners to refinance mortgages, H1695 [10MR]

———delay rescission of unobligated funding for the Emergency Mortgage Relief Program and termination of the program until BLS indicates the unemployment rate is below a certain level, H1746, H1747 [11MR]

———include Armed Forces members, veterans who have service-related injuries, and survivors and dependents of such individuals in a study of the use of the Emergency Mortgage Relief Program, H1742 [11MR]

———permit FHA issuance of certain mortgagee guidance letters, H1691, H1692 [10MR]

———post announcement prominently on website stating Emergency Mortgage Relief Program termination and direct unemployed homeowners to contact their Member of Congress, H1742, H1743 [11MR]

———post announcement prominently on website stating FHA Short Refinance Program termination and direct homeowners to contact their Member of Congress for loan modification assistance, H1700 [10MR]

———preserve FHA Refinance Program assistance for senior citizens, H1702, H1703 [10MR]

———rescind unobligated funding for Emergency Mortgage Relief Program, terminate the program, and use unexpended balances to reduce public debt, H1740, H1741 [11MR]

———rescind unobligated funding for FHA Refinance Program, terminate the program, and use unexpended balances to reduce public debt, H1690 [10MR]

———rescind unobligated funding for FHA Refinance Program and terminate the program, H5327 [21JY]

———rescind unobligated funding for FHA Refinance Program and terminate the program (H.R. 830), H1628, H1629 [9MR], H1675, H1676, H1678-H1704 [10MR], H1735, H1739 [11MR], E464 [11MR]

———rescind unobligated funding for FHA Refinance Program and terminate the program (H.R. 830), consideration (H. Res. 150), H1631, H1635 [9MR]

———rescind unobligated funding for FHA Refinance Program and terminate the program (H.R. 830), corrections in engrossment, H1704 [10MR]

———rescind unobligated funding for FHA Refinance Program and terminate the program (H.R. 830), motion to recommit, H1702, H1703 [10MR]

———rescind unobligated funding for the Emergency Mortgage Relief Program and terminate the program (H.R. 836), H1628, H1629 [9MR], H1675, H1676, H1689, H1694 [10MR], H1731-H1751 [11MR], H1851 [16MR]

———rescind unobligated funding for the Emergency Mortgage Relief Program and terminate the program (H.R. 836), consideration (H. Res. 151), H1629-H1635 [9MR]

———rescind unobligated funding for the Emergency Mortgage Relief Program and terminate the program (H.R. 836), corrections in engrossment, H1751 [11MR]

———rescind unobligated funding for the Emergency Mortgage Relief Program and terminate the program (H.R. 836), motion to recommit, H1748, H1749 [11MR]

Dept. of Justice: pursue criminal charges against organizations not complying with State laws relating to foreclosures, H1696 [10MR]

Dept. of the Treasury: continue Home Affordable Modification Program for members of the Armed Forces and Gold Star recipients, H2020, H2021 [29MR]

———detail flaws of the Home Affordable Modification Program and delineate savings incurred upon termination, H2003-H2007 [29MR]

———detail Home Affordable Modification Program funding disbursement and number of permanent and active modifications, H2007, H2008 [29MR]

———provide list of trial and permanent modifications under the Home Affordable Modification Program by State as well as delinquent mortgages across the country that will be at risk if the program is terminated, H2015 [29MR]

———require mortgage lenders participating in Home Affordable Modification Program to report monthly on mortgage modifications, H2013, H2014 [29MR]

———require notification of Home Affordable Modification Program termination be sent to applicants and instructions to contact their Member of Congress to inquire about loan modification assistance, H2011 [29MR]

———study effectiveness of the Home Affordable Modification Program and create a replacement program based on study findings to assist homeowners, H2010 [29MR]

———study effectiveness of the Home Affordable Modification Program and offer recommendations for a replacement loan modification program, H2011-H2013 [29MR]

———terminate authority to provide new assistance under the Home Affordable Modification Program while preserving assistance that was already offered (H.R. 839), H1751 [11MR], H1848, H1851 [16MR], H1994-H2022 [29MR], E527 [17MR], E558, E564 [30MR], E595 [1AP]

———terminate authority to provide new assistance under the Home Affordable Modification Program while preserving assistance that was already offered (H.R. 839), consideration (H. Res. 170), H1852-H1860 [16MR]

———terminate authority to provide new assistance under the Home Affordable Modification Program while preserving assistance that was already offered (H.R. 839), motion to recommit, H2020 [29MR]

———use unobligated Home Affordable Modification Program funds rescinded after termination for deficit reduction, H2008, H2009 [29MR]

Dept. of Veterans Affairs: extend demonstration projects on adjustable rate mortgages and hybrid adjustable rate mortgages (H.R. 3330), E1986 [2NO]

———improve and make permanent the loan guarantee for the purchase of residential cooperative housing units (H.R. 3277), E1955 [27OC]

———provide eligibility for guaranteed housing loans for the surviving spouses of certain totally-disabled veterans, H6684, H6685 [11OC]

District of Columbia: eliminate all federally imposed mandates over the local budget process, financial management, and the borrowing of money, H840 [15FE], H2323-H2325 [5AP], H2455 [7AP], H4863 [12JY], H4953 [13JY], H5032 [14JY], H5120-H5122 [15JY]

———eliminate all federally imposed mandates over the local budget process, financial management, and the borrowing of money (H.R. 345), H2579 [12AP], E74 [19JA]

Economy: address housing crisis, H6569 [5OC]

———address wealth gap among racial and ethnic minorities, E1525 [19AU]

———adjust certain home loans and forgive certain student loans, H5162, H5170 [19JY], H5290 [21JY]

———adjust certain home loans and forgive certain student loans (H. Res. 365), H7084 [26OC]

———analysis of causes and potential remedies of current economic recession, H1445-H1448 [1MR], H1514 [2MR], H3764 [31MY], H8174-H8178 [6DE]

———forgive certain student loans, H5504 [26JY]

———Government bailout of financial institutions, H7153 [27OC]

———impact of Government regulations, H633-H673 [10FE], H687-H714 [11FE], H2024-H2029 [29MR], H6910 [13OC]

———modernize and reform monetary system and restore exclusive and sovereign authority of U.S. Government to create and regulate money to rebuild the economy, H5950 [7SE]

———modernize and reform monetary system and restore exclusive and sovereign authority of U.S. Government to create and regulate money to rebuild the economy (H.R. 2990), H7901 [29NO]

———provide financial regulatory reform, protect consumers and investors, enhance Federal understanding of insurance issues, and regulate the over-the-counter derivatives markets, H648-H654 [10FE]

———reduce student loan debt, H9948 [20DE]

———reform the financial regulatory system of the U.S., H6559 [5OC]

Education: student loans and financial aid programs funding, H7936, H7937 [30NO]

Education Finance Council Capitol Hill Day: observance, E929 [23MY]

Employment: prohibit use of consumer credit checks against prospective and current employees for the purpose of making adverse employment decisions (H.R. 321), H3815 [1JN]

Empowering and Strengthening Ohio's People (ESOP) (organization): tribute, E1909 [24OC]

Fannie Mae and Freddie Mac Investigative Commission: establish (H.R. 2093), H7725 [17NO], H8004 [1DE]

FDIC: recoup money spent under the Troubled Asset Relief Program for mortgage foreclosure mitigation programs through a special assessment on large financial institutions, H1732, H1736, H1738, H1741, H1742 [11MR]

Financial Crisis Inquiry Commission: report, H1445-H1448 [1MR]

Financial institutions: handling of foreclosure crisis, H3922 [2JN], E158 [8FE]

———prohibit requiring a homeowner to purchase flood insurance in an amount that exceeds the outstanding principal balance on their mortgage, H4900 [12JY]

———protect consumers from predatory lending practices, H8878 [13DE]

———provide home loan modifications to eligible homeowners, H2048 [30MR]

———provide home loan modifications to eligible homeowners and assist homeowners and prospective homeowners with foreclosure prevention programs and information on loan modifications, H2017 [29MR]

———reform limits on member business loans by credit unions (H.R. 3745), E2328 [20DE]

———restore certain provisions of law to separate investment banking from commercial banking (H.R. 1489), H7076 [26OC]

Financial Literacy Month: observance, H2670 [14AP]

Financial Stability Oversight Council: allow non-voting members to challenge Consumer Financial Protection Bureau rules, H5334 [21JY]

———prohibit from overriding Consumer Financial Protection Bureau rules, H5329, H5330 [21JY]

———prohibit members from voting on Consumer Financial Protection Bureau rules if that rule would affect an institution where that member had recently been employed, H5333 [21JY]

———provide live online streaming or broadcasting of meetings pertaining to review of Consumer Financial Protection Bureau regulations, H5337, H5338 [21JY]

———require a Consumer Financial Protection Bureau analysis of impact of regulations on the financial industry and on consumers' and small business credit access, H5341, H5342 [21JY]

———require a supermajority to override Consumer Financial Protection Bureau rules, H5330-H5333 [21JY]

———require any agency filing a challenge to Consumer Financial Protection Bureau rules to provide certain disclosures, H5335, H5336 [21JY]

———restore time limits on review of regulations issued by the Consumer Financial Protection Bureau, H5336, H5337 [21JY]

———strengthen review authority of regulations issued by Consumer Financial Protection Bureau, H8014 [1DE]

———strengthen review authority of regulations issued by Consumer Financial Protection Bureau (H.R. 1315), H5301, H5317-H5348 [21JY], E1387 [22JY], E1402 [25JY]

———strengthen review authority of regulations issued by Consumer Financial Protection Bureau (H.R. 1315), consideration (H. Res. 358), H5302-H5312 [21JY]

———strengthen review authority of regulations issued by Consumer Financial Protection Bureau (H.R. 1315), corrections in engrossment, H5348 [21JY]

———strengthen review authority of regulations issued by Consumer Financial Protection Bureau (H.R. 1315), motion to recommit, H5346 [21JY]

FRS: Consumer Financial Protection Bureau funding, E317 [18FE]

———Consumer Financial Protection Bureau funding through reductions in IRS enforcement funding, H1131-H1137 [17FE]

———ensure authority of Consumer Financial Protection Bureau to protect consumers from abusive, predatory, unfair, and deceptive financial practices, H8744 [13DE]

———grant Consumer Financial Protection Bureau additional oversight of lending practices, H5338 [21JY]

———postpone date for transfer of functions to the Consumer Financial Protection Bureau if the Bureau does not have a Director in place, H5304, H5318, H5319, H5325-H5327 [21JY]

———replace the Director of the Consumer Financial Protection Bureau with a five person commission, H5304, H5305, H5318-H5327, H5329 [21JY]

———require an Inspector General report on new Consumer Financial Protection Bureau guidelines, regulations, rules, agency overlaps, expenses, and unmitigated balances, H5340 [21JY]

———transfer Consumer Financial Protection Bureau authority to the Dept. of the Treasury if no Commission chair is in place, H5339 [21JY]

Government regulations: provide for enhanced disclosure under an open end credit plan, H6910 [13OC]

Government-sponsored enterprises: reduce interest rates on mortgages owned or guaranteed by Fannie Mae and Freddie Mac (H.R. 3733), E2314 [19DE]

Health Care and Education Reconciliation Act: deauthorize appropriations, H2097 [30MR]

———repeal (H.R. 299), H232 [18JA], H348 [19JA], H2279 [4AP], E66 [18JA]

J.P. Morgan Chase & Co.: acknowledgement that military personnel were overcharged for home loans and wrongfully foreclosed upon, E77 [19JA]

Mortgages: extend increase in the maximum original principal obligation of a mortgage that may be purchased by Fannie Mae or Freddie Mac (H.R. 2508), H7780 [17NO]

———require applicants for a home mortgage be federally insured, held by Fannie Mae or Freddie Mac, or made by Dept. of Veterans Affairs, that the mortgagor be verified under the E-verify program (H.R. 695), H6867 [13OC]

———require certain mortgagees to evaluate loans for modifications and establish a grant program for State and local government mediation programs (H.R. 1477), H7582 [15NO]

Obama, President: Executive order on student loan reform, H7118 [26OC], H7137 [27OC]

———State of the Union Message, H473 [26JA]

Public debt: establish a fee on transactions to eliminate the national debt, provide a tax credit to offset the impact of the fee, and establish the Bipartisan Task Force for Responsible Fiscal Action (H.R. 1125), H1910 [17MR]

Real estate: mortgage foreclosure prevention assistance programs funding, H2118 [31MR]

———reform mortgage foreclosure prevention assistance programs, H1670 [10MR]

SBA: provide for low interest loans for small businesses in major disaster areas (H.R. 3042), H6549 [4OC]

Small Business Act: extend programs (H.R. 366), H445, H446 [25JA]

———extend programs (H.R. 2608), H5539-H5541 [26JY], E1427 [27JY]

———extend programs (H.R. 2608), consideration of Senate amendment (H. Res. 405), H6304-H6314 [21SE]

———extend programs (H.R. 2608), consideration of Senate amendment (H. Res. 412), H6389-H6399 [22SE], E1741 [3OC]

———extend programs (H.R. 2608), correction in enrollment (H. Con. Res. 81), H6410 [22SE]

———extend programs (H.R. 2608), correction in enrollment (H. Con. Res. 83), H6485 [3OC]

———extend programs (H.R. 2608), Senate amendment, H6315-H6328 [21SE], H6366-H6373, H6399-H6410 [22SE], H6470 [3OC], H6528-H6532 [4OC], E1703, E1718 [23SE], E1749-E1751 [4OC], E1770 [5OC]

———extend programs (S. 990), H3352, H3353 [24MY]

———extend programs (S. 990), consideration of Senate amendment (H. Res. 281), H3738, H3739 [26MY]

———extend programs (S. 990), Senate amendment, H3739-H3749 [26MY], E978 [27MY], E1001 [31MY], E1007 [1JN], E1025 [2JN]

———extend programs (S. 1082), H3778-H3780 [31MY]

Small Business Investment Act: extend programs (H.R. 366), H445, H446 [25JA]

———extend programs (H.R. 2608), H5539-H5541 [26JY], E1427 [27JY]

———extend programs (H.R. 2608), consideration of Senate amendment (H. Res. 405), H6304-H6314 [21SE]

———extend programs (H.R. 2608), consideration of Senate amendment (H. Res. 412), H6389-H6399 [22SE], E1741 [3OC]

———extend programs (H.R. 2608), correction in enrollment (H. Con. Res. 81), H6410 [22SE]

———extend programs (H.R. 2608), correction in enrollment (H. Con. Res. 83), H6485 [3OC]

———extend programs (H.R. 2608), Senate amendment, H6315-H6328 [21SE], H6366-H6373, H6399-H6410 [22SE], H6470 [3OC], H6528-H6532 [4OC], E1703, E1718 [23SE], E1749-E1751 [4OC], E1770 [5OC]

———extend programs (S. 990), H3352, H3353 [24MY]

———extend programs (S. 990), consideration of Senate amendment (H. Res. 281), H3738, H3739 [26MY]

———extend programs (S. 990), Senate amendment, H3739-H3749 [26MY], E978 [27MY], E1001 [31MY], E1007 [1JN], E1025 [2JN]

———extend programs (S. 1082), H3778-H3780 [31MY]

Taxation: provide for the deductibility of higher education expenses and interest on student loans (H.R. 953), E435 [8MR]

Vacaville, CA: Travis Credit Union recipient of Credit Union National Association Desjardins Youth Financial Education Award, E540 [29MR]

Veterans: provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures (H.R. 1263), H6727-H6729 [11OC], E653 [6AP], E1889 [18OC]

Remarks in Senate

Bank of America Corp.: decision to charge debit card holders monthly fees, S6018 [3OC], S6061 [4OC]

———reversal of decision to charge debit card holders monthly fees, S6987 [1NO]

Bankruptcy: combat creditor abuses in the bankruptcy process by providing remedies for negligent, reckless, or fraudulent assertion of claim (S. 1054), S3276 [24MY]

———extend exemption from application of means-test presumption of abuse for qualifying Armed Forces Reserve component and National Guard members called to active duty or homeland defense activities (H.R. 2192), S8158 [1DE]

———make privately issued student loans dischargeable (S. 1102), S3436 [26MY]

Colleges and universities: address increasing levels of student loan debt and default rates, S4956-S4958 [27JY]

Consumers: require disclosure of credit score used to evaluate consumers when score results in an adverse action, S8369 [6DE]

———require inclusion of credit scores with free annual credit reports provided to consumers, S4793 [21JY]

Credit cards: prevent abuse of Government credit cards (S. 300), S629 [8FE], S4850, S4852 [22JY]

Dept. of Agriculture: increase access to healthy food for families and to credit for small and new farmers (S. 2016), S8736 [16DE]

Dept. of Education: allow conversion of Federal Family Education Loan Program debt to the William D. Ford Federal Direct Loan Program (S. 1068), S3345 [25MY]

Dept. of Energy: insure loans for financing of renewable energy systems leased for residential use (S. 1126), S3442 [26MY]

Dept. of the Treasury: ensure greater accountability in the Small Business Lending Fund Program, S1929 [29MR]

Dept. of Veterans Affairs: improve provision of assistance to homeless veterans, regulation of fiduciary matters, housing programs and loans, and other benefits (S. 1148), S3503 [6JN]

Economy: address issues relative to economic disparity, S7120 [3NO]

———analysis of causes and potential remedies of current economic recession, S5711 [19SE], S5795-S5797 [21SE], S6792 [20OC]

———impact of Government regulations, S3295 [25MY]

———impact of spending and savings habits of populace on preventing recession, S5329 [6SE], S5349 [7SE]

FHA: require equitable treatment of homebuyers who have repaid their FHA-insured mortgages in full, S3598 [8JN], S3873, S3874 [16JN]

Financial institutions: handling of foreclosure crisis, S6568 [17OC]

———study the market and appropriate regulatory structure for electronic debit card transactions, S3515-S3518, S3522, S3528-S3535 [7JN], S3571-S3575, S3579-S3594, S3600 [8JN], S3665 [9JN], S6018 [3OC], S6061 [4OC], S6988 [1NO]

———study the market and appropriate regulatory structure for electronic debit card transactions (S. 575), S2029 [31MR], S2471 [14AP], S2902 [12MY], S3093 [18MY]

Financial literacy: require financial literacy and economic education counseling for student borrowers (S. 1260), S4040 [23JN]

Financial Literacy Month: designate (S. Res. 121), S2059 [31MR]

FRS: ensure authority of Consumer Financial Protection Bureau to protect consumers from abusive, predatory, unfair, and deceptive financial practices, S8369 [6DE], S8409 [7DE], S8471 [12DE]

Government regulations: impact on community banks, S2217-S2219 [7AP]

———promulgate regulations regarding debit and credit card interchange transaction fees, S1568-S1572 [10MR], S1747-S1749 [16MR], S1778-S1780 [17MR], S2020-S2026, S2029 [31MR], S2146-S2148, S2183 [6AP], S2218 [7AP], S2471 [14AP], S2715-S2720 [5MY], S3041-S3044 [17MY], S3509 [6JN], S3515-S3518, S3528-S3535 [7JN], S3571-S3575, S3579-S3594, S3600 [8JN], S3665 [9JN], S6018 [3OC], S6061 [4OC], S6903 [31OC], S6988 [1NO]

Government-sponsored enterprises: reestablish maximum aggregate amount permitted to be provided by taxpayers, S6841 [20OC]

Mortgages: establish clear regulatory standards for mortgage servicers (S. 967), S3658 [9JN]

———extend loan limits of Government-sponsored enterprises, FHA, and VA, S6739, S6740 [19OC], S6842 [20OC]

———permanently increase conforming loan limits for the housing-related Government-sponsored enterprises and the FHA maximum mortgage amount limitations, S7677 [17NO]

———restore and repair mortgage markets by making them transparent, bringing in private capital, and winding down Government-sponsored enterprises (S. 1834), S7269-S7271 [9NO]

———revoke Fannie Mae and Freddie Mac charters, temporarily create a Mortgage Finance Agency to secure mortgages until the transition to privatization, and protect against another housing collapse (S. 1963), S8722 [16DE]

Obama, President: State of the Union Message, S249-S255, S258 [26JA]

Privacy: prevent identity theft, ensure privacy, and enhance penalties, law enforcement, and protections against security breaches, fraudulent access, and misuse of personally identifiable information (S. 1151), S3544 [7JN]

———protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information and require data breach notification (S. 1207), S3836 [15JN]

Real estate: exempt qualified residential mortgages from credit risk retention requirements, S1113 [2MR], S3568, S3569 [7JN], S4466, S4467 [11JY]

SBA: increase small business lending (S. 1828), S7193 [8NO]

———waive interest for certain loans relative to damage caused by certain recent hurricanes (S. 653), S1896 [28MR]

Small Business Act: extend programs (H.R. 366), S261 [26JA]

———extend programs (H.R. 2608), S4974 [28JY]

———extend programs (H.R. 2608), correction in enrollment (H. Con. Res. 81), S6007 [26SE]

———extend programs (H.R. 2608), correction in enrollment (H. Con. Res. 83), S6065 [4OC]

———extend programs (H.R. 2608), House amendment, S5732, S5736 [20SE], S5849, S5852, S5871-S5873, S5876-S5878, S5884 [22SE], S5923-S5930, S5936 [23SE], S5961-S5973, S5976 [26SE]

———extend programs (H.R. 2608), unanimous-consent agreement, S5921 [23SE]

———extend programs (H.R. 2608), unanimous-consent request, S5922, S5923 [23SE]

———extend programs (S. 990), S2972 [12MY], S2975 [16MY], S3200 [19MY]

———extend programs (S. 990), House amendment, S3263 [24MY], S3292, S3298, S3311-S3316, S3319, S3320, S3322, S3361 [25MY], S3367-S3372, S3386-S3402 [26MY]

———extend programs (S. 990), House amendment—unanimous-consent agreement, S3333 [25MY]

———extend programs (S. 990), House amendment—unanimous-consent request, S3322 [25MY], S3390 [26MY]

———extend programs (S. 1082), S3372 [26MY]

Small Business Investment Act: extend programs (H.R. 366), S261 [26JA]

———extend programs (H.R. 2608), S4974 [28JY]

———extend programs (H.R. 2608), correction in enrollment (H. Con. Res. 81), S6007 [26SE]

———extend programs (H.R. 2608), correction in enrollment (H. Con. Res. 83), S6065 [4OC]

———extend programs (H.R. 2608), House amendment, S5732, S5736 [20SE], S5849, S5852, S5871-S5873, S5876-S5878, S5884 [22SE], S5923-S5930, S5936 [23SE], S5961-S5973, S5976 [26SE]

———extend programs (H.R. 2608), unanimous-consent agreement, S5921 [23SE]

———extend programs (H.R. 2608), unanimous-consent request, S5922, S5923 [23SE]

———extend programs (S. 990), S2972 [12MY], S2975 [16MY], S3200 [19MY]

———extend programs (S. 990), House amendment, S3263 [24MY], S3292, S3298-S3311, S3319, S3320, S3322, S3361 [25MY], S3367-S3372, S3386-S3402 [26MY]

———extend programs (S. 990), House amendment—unanimous-consent agreement, S3333 [25MY]

———extend programs (S. 990), House amendment—unanimous-consent request, S3322 [25MY], S3390 [26MY]

———extend programs (S. 1082), S3372 [26MY]

Social Security: limit the misuse of Social Security numbers and establish criminal penalties for such misuse (S. 1199), S3817 [15JN]

States: empower States to set the maximum annual percentage rates applicable to consumer credit transactions (S. 1829), S7193 [8NO]

Taxation: proposed reduction in deductions for mortgage interest, S5206 [2AU]

———provide additional protections for recipients of the earned income tax credit, S354 [31JA]

Reports

Consumer Financial Protection Bureau Identified and Documented Mission-Critical Activities and Legislative Mandates: Dept. of the Treasury and FRS, H5585 [27JY]

Reports filed

Asset-Backed Market Stabilization Act: Committee on Financial Services (House) (H.R. 1539) (H. Rept. 112-196), H5904 [12AU]

Bureau of Consumer Financial Protection Transfer Clarification Act: Committee on Financial Services (House) (H.R. 1667) (H. Rept. 112-93), H3762 [27MY], H5238 [19JY]

Consideration of H.R. 830, FHA Refinance Program Termination Act: Committee on Rules (House) (H. Res. 150) (H. Rept. 112-27), H1618 [8MR]

Consideration of H.R. 836, Emergency Mortgage Relief Program Termination Act: Committee on Rules (House) (H. Res. 151) (H. Rept. 112-28), H1618 [8MR]

Consideration of H.R. 839, HAMP Termination Act and H.R. 861, NSP Termination Act: Committee on Rules (House) (H. Res. 170) (H. Rept. 112-34), H1840 [15MR]

Consideration of H.R. 1315, Consumer Financial Protection Safety and Soundness Improvement Act: Committee on Rules (House) (H. Res. 358) (H. Rept. 112-172), H5284 [20JY]

Consideration of Senate Amendment to H.R. 2608, Small Business Program Extension and Reform Act: Committee on Rules (House) (H. Res. 405) (H. Rept. 112-212), H6271 [20SE]

———Committee on Rules (House) (H. Res. 412) (H. Rept. 112-215), H6412 [22SE]

Consideration of Senate Amendment to S. 990, PATRIOT Sunsets Extension Act: Committee on Rules (House) (H. Res. 281) (H. Rept. 112-92), H3753 [26MY]

Consumer Financial Protection Safety and Soundness Improvement Act: Committee on Financial Services (House) (H.R. 1315) (H. Rept. 112-89), H3644, H3682 [25MY], H5238 [19JY]

Emergency Mortgage Relief Program Termination Act: Committee on Financial Services (House) (H.R. 836) (H. Rept. 112-26), H1618 [8MR]

FHA Refinance Program Termination Act: Committee on Financial Services (House) (H.R. 830) (H. Rept. 112-25), H1618 [8MR]

Government Charge Card Abuse Prevention Act: Committee on Homeland Security and Governmental Affairs (Senate) (S. 300) (S. Rept. 112-37), S4640 [18JY]

HAMP Termination Act: Committee on Financial Services (House) (H.R. 839) (H. Rept. 112-31), H1767 [11MR], H1795 [14MR]

Limiting Investor and Homeowner Loss in Foreclosure Act: Committee on the Judiciary (Senate) (S. 222), S2046 [31MR]

National Guard and Reservist Debt Relief Extension Act: Committee on the Judiciary (House) (H.R. 2192) (H. Rept. 112-256), H6982 [18OC]

Personal Data Privacy and Security Act: Committee on the Judiciary (Senate) (S. 1151), S5902 [22SE]

———Committee on the Judiciary (Senate) (S. 1151) (S. Rept. 112-91), S7154 [7NO]

Personal Data Protection and Breach Accountability Act: Committee on the Judiciary (Senate) (S. 1535), S5902 [22SE]

Provide Surviving Spouses of Veterans With Certain Protections Relating to Mortgages and Mortgage Foreclosures: Committee on Veterans' Affairs (House) (H.R. 1263) (H. Rept. 112-234), H6623 [5OC]

Responsible Consumer Financial Protection Regulations Act: Committee on Financial Services (House) (H.R. 1121) (H. Rept. 112-107), H4325 [16JN], H5238 [19JY]

SEC Exemption of Inter-Affiliate Swaps From Certain Regulatory Requirements Put in Place Under the Wall Street Reform and Consumer Protection Act: Committee on Financial Services (House) (H.R. 2779) (H. Rept. 112-343), H10026 [23DE]

Rulings of the Chair

Dept. of HUD: rescind unobligated funding for FHA Refinance Program and terminate the program (H.R. 830), H1688, H1693, H1695, H1696, H1697, H1698 [10MR]

———rescind unobligated funding for the Emergency Mortgage Relief Program and terminate the program (H.R. 836), H1747 [11MR]

Statements

Consumer Financial Protection Agency Act Markup (2009): Committee on Financial Services (House) Republican members, H5307 [21JY]

HAMP Termination Act: Executive Office of the President, H2015 [29MR]

Promulgate Regulations Regarding Debit and Credit Card Interchange Transaction Fees: Consumer Federation of America, S2184 [6AP]

Tables

AAA and AA credit ratings by country, H5744 [29JY]

Daily Troubled Asset Relief Program progress report, H1683 [10MR]

Number of outstanding mortgages with negative equity by State, H1688 [10MR]

Texts of

H. Con. Res. 81, correction in enrollment of H.R. 2608, Small Business Program Extension and Reform Act, H6410 [22SE]

H. Con. Res. 83, correction in enrollment of H.R. 2608, Small Business Program Extension and Reform Act, H6485 [3OC]

H. Res. 150, consideration of H.R. 830, FHA Refinance Program Termination Act, H1635 [9MR]

H. Res. 151, consideration of H.R. 836, Emergency Mortgage Relief Program Termination Act, H1629 [9MR]

H. Res. 170, consideration of H.R. 839, HAMP Termination Act and H.R. 861, NSP Termination Act, H1852 [16MR]

H. Res. 281, consideration of Senate amendment to S. 990, PATRIOT Sunsets Extension Act, H3738 [26MY]

H. Res. 358, consideration of H.R. 1315, Consumer Financial Protection Safety and Soundness Improvement Act, H5302 [21JY]

H. Res. 405, consideration of Senate amendment to H.R. 2608, Small Business Program Extension and Reform Act, H6304 [21SE]

H. Res. 412, consideration of Senate amendment to H.R. 2608, Small Business Program Extension and Reform Act, H6389 [22SE]

H.R. 366, Small Business Act and Small Business Investment Act programs extension, H445 [25JA]

H.R. 839, HAMP Termination Act, H2003 [29MR]

H.R. 1263, provide surviving spouses of veterans with certain protections relating to mortgages and mortgage foreclosures, H6727 [11OC]

H.R. 1315, Consumer Financial Protection Safety and Soundness Improvement Act, H5328 [21JY]

H.R. 2192, National Guard and Reservist Debt Relief Extension Act, H7906 [29NO]

H.R. 2608, Small Business Program Extension and Reform Act, S4974 [28JY], S6053 [3OC], H5539 [26JY]

S. 300, Government Charge Card Abuse Prevention Act, S4850-S4852 [22JY]

S. 653, Southeast Hurricanes Small Business Disaster Relief Act, S1897 [28MR]

S. 990, PATRIOT Sunsets Extension Act, H3739 [26MY]

S. 1054, Fighting Fraud in Bankruptcy Act, S3277 [24MY]

S. 1082, Small Business Additional Temporary Extension Act, S3372 [26MY], H3778 [31MY]

S. 1102, Fairness for Struggling Students Act, S3436 [26MY]

S. 1126, Renewable Energy Access Through Leasing (REAL) Act, S3442-S3444 [26MY]

S. 1148, Veterans Programs Improvement Act, S3503-S3507 [6JN]

S. 1151, Personal Data Privacy and Security Act, S3545-S3552 [7JN]

S. 1199, Protecting the Privacy of Social Security Numbers Act, S3817-S3821 [15JN]

S. 1260, College Literacy in Finance and Economics (College LIFE) Act, S4032 [22JN]

S. Res. 121, Financial Literacy Month, S2053, S2059 [31MR]

S. Res. 226, express that the President does not have the authority to ignore the statutory debt limit by ordering the Dept. of the Treasury to continue issuing debt on the full faith and credit of the U.S., S4454 [7JY]