FINANCIAL INSTITUTIONS

Amendments

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]

FDIC: require a study on the impact of insured depository institution failures (H.R. 2056), S7745, S7774, S7777 [17NO], H9934 [19DE]

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]

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]

Frustration Mounts for MF Global Clients, H7724 [17NO]

Funding Regulators, E396 [2MR]

Good Intentions Gone Haywire, E1043 [3JN]

GOP Jobs Plan Vs. Obama's, S7271 [9NO]

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

House Republicans Huddle With Lobbyists To Kill Financial Reform Bill, H4159 [14JN]

How Paulson Gave Hedge Funds Advance Word of Fannie Mae Rescue, H8004 [1DE]

Industry Looks To Derail Dodd-Frank Enforcement, H4159 [14JN]

Judge Blocks Citigroup Settlement With S.E.C., H8005 [1DE]

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

Occupy Wall Street . . . Next Stop, Athens?, S8063 [30NO]

Virgin Crisis—Systematically Ignoring Fraud as a Systemic Risk, H7725-H7727 [17NO]

Bills and resolutions

American Recovery and Reinvestment Act: prohibit the use of stimulus funds for signage indicating that a project is being carried out using those funds (see S. 131), S125 [25JA] (see H.R. 389), H395 [20JA]

Antigua and Barbuda: suspend aid, cooperate with U.S. officials, transfer seized assets, make contributions to victims, and condition international loans relative to Stanford Financial Group fraud (see S. Res. 346), S8461 [8DE] (see H. Res. 507), H10015 [20DE]

Armed Forces: 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]

Business and industry: repeal disclosure requirements that allow for comparison of executive compensation to that of other employees (see H.R. 1062), H1796 [14MR]

CFTC: impose position limits and margin requirements to eliminate excessive oil speculation and ensure that price of crude oil and derivative fuels reflects fundamentals of supply and demand (see S. 1200), S3812 [15JN] (see H.R. 2328), H4527 [23JN]

———improve consideration of costs and benefits of regulations and orders (see H.R. 1840), H3218 [11MY]

Commodity Exchange Act: clarify definition of swap dealer (see H.R. 3527), H7998 [30NO]

———prevent excessive speculation with respect to commodity markets and energy contracts (see S. 1598), S5838 [21SE] (see H.R. 3006), H6342 [21SE]

Community banks: enhance ability to foster economic growth and serve their communities, boost small businesses, and increase individual savings (see S. 1600), S5902 [22SE] (see H.R. 1697), H2998 [3MY]

Consumers: adjust dollar limits on check hold policies (see H.R. 1660), H2913 [15AP]

———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]

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

———ensure that customers can immediately close accounts at insured depository institutions on demand and without cost, and that consumers receive any balance in accounts immediately (see H.R. 3077), H6505 [3OC]

———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]

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

———sunset Federal laws and regulations that deny consumers the opportunity to make certain decisions on bank accounts and what type of information they receive from their banks (see H.R. 1095), H1841 [15MR]

Corporations: require disclosure of beneficial owners of newly incorporated entities to prevent exploitation for criminal gain and assist law enforcement with terrorism and money laundering prevention (see S. 1483), S5250 [2AU] (see H.R. 3416), H7577 [14NO]

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]

———require judicial review of suspicious activity reports (see S. 1077), S3339 [25MY]

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

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

———defer mortgage 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]

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

———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]

———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]

———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]

———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]

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

———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]

———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]

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

———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]

Credit unions: advance the ability to promote small business growth and economic development opportunities (see S. 509), S1406 [8MR]

Crime: prevent identity theft and tax fraud (see S. 1534), S5459 [8SE] (see H.R. 3215), H6976 [14OC]

Cuba: remove obstacles to legal sales of U.S. agricultural commodities (see H.R. 833), H1390 [28FE]

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 pilot program to award grants to State and local educational agencies to develop financial literacy programs in elementary and secondary schools (see H.R. 626), H679 [10FE]

———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]

Dept. of HHS: 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: 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]

———terminate the Housing Trust Fund and the requirement that Fannie Mae and Freddie Mac make annual allocations for such Fund (see H.R. 2441), H4748 [7JY]

Dept. of Justice: improve efforts to combat fraud (see S. 890), S2730 [5MY]

Dept. of the Treasury: clarify treatment of dividends paid on shares of preferred stock issued by financial institutions which received financial assistance under the Troubled Asset Relief Program (see H.R. 678), H723 [11FE]

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

———establish Office of the Homeowner Advocate (see S. 690), S1977 [30MR]

———extend Small Business Lending Fund Program and provide for an appeals process (see H.R. 3147), H6781 [11OC]

———instruct World Bank and Asian Development Bank U.S. representatives to oppose aid for Mekong River Basin hydroelectric dams or electricity transmission systems without certain assurances (see S. 537), S1502 [9MR]

———make risk-based assessments of financial companies to recoup assistance under the Emergency Mortgage Relief Program and the Neighborhood Stabilization Program (see H.R. 1151), H1982 [17MR]

———prevent expansion of U.S. bank reporting requirements relative to interest on deposits paid to nonresident aliens (see S. 1506), S5251 [2AU] (see H.R. 2568), H5125 [15JY]

———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 greater transparency and accountability in the Small Business Lending Fund (see S. Res. 348), S8680 [15DE]

———repeal the Office of Financial Research (see H.R. 3044), H6455 [23SE]

———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]

Economy: authorize general capital increases for certain multilateral development banks (see H.R. 3188), H6920 [13OC]

———create jobs through spending cuts, tax reform, regulatory burden reduction, domestic energy development, and export promotion (see S. 1720), S6600 [17OC]

———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]

Eximbank: reauthorize (see S. 1547), S5536 [13SE] (see H.R. 2072), H3868 (see H.R. 2072), H3909 [1JN]

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]

FBI: provide additional resources for Federal investigations and prosecutions of crimes related to the recent financial crisis (see H.R. 1350), H2291 [4AP]

FDIC: require a study on the impact of insured depository institution failures (see H.R. 2056), H3805 [31MY]

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]

———submit quarterly reports to Congress during the conservatorship of Fannie Mae or Freddie Mac (see H.R. 31), H34 [5JA]

———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 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]

Floods: require regulated lending institutions, Federal agency lenders, and housing Government-sponsored enterprises to accept qualified private flood insurance coverage (see H.R. 1430), H2534 [7AP]

Foreign aid: authorize participation in the general capital increase of the European Bank for Reconstruction and Development to qualified transition countries in the Middle East and North Africa (see S. 1388), S4675 [19JY]

———improve access to microfinance and microenterprise programs (see S. 2027), S8775 [17DE]

Foreign countries: increase transparency regarding U.S. debt instruments held by foreign governments and assess risks to the U.S. of such holdings (see S. 1028), S3170 [19MY] (see H.R. 2166), H4185 [14JN]

FRS: abolish Board of Governors and repeal Federal Reserve Act (see H.R. 1094), H1841 [15MR]

———alter terms and conditions applicable to Board of Governors members (see H.R. 1401), H2410 [6AP]

———bring the Consumer Financial Protection Bureau into the regular appropriations process (see H.R. 1640), H2912 [15AP]

———increase transaction limits on passbook savings, statement savings, and money market deposit accounts (see H.R. 2251), H4363 [21JN]

———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]

———remove mandate on the Board of Governors and the Federal Open Market Committee to focus on maximum employment (see H.R. 245), H135 [7JA]

———remove representatives of the Federal Reserve banks from membership on the Federal Open Market Committee (see H.R. 1512), H2664 [13AP]

———remove the power of Federal reserve banks to buy and sell municipal securities (see H.R. 344), H354 [19JA]

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

———replace Federal Open Market Committee members representing the Federal Reserve banks with additional members appointed by the President (see H.R. 3428), H7626 [15NO]

———replace the Director of the Consumer Financial Protection Bureau with a 5-person commission and bring the Bureau into the regular appropriations process (see S. 737), S2187 [6AP]

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

———replace the Director of the Consumer Financial Protection Bureau with the Chairman of the Board of Governors of the FRS as a member of the Board of Directors of the FDIC (see H.R. 2081), H3869 (see H.R. 2081), H3909 [1JN]

———require an audit of the Board of Governors and Federal reserve banks (see S. 202), S272 [26JA] (see H.R. 459), H507 [26JA]

Government regulations: establish a covered bond regulatory oversight program (see H.R. 940), H1618 [8MR]

———improve examination of depository institutions (see H.R. 3461), H7828 [17NO]

———provide that only certain forms of identification of individuals may be accepted by the Federal Government and by financial institutions (see H.R. 102), H36 [5JA]

———require enhanced economic analysis and justification for proposed Federal banking, housing, securities, and commodity regulations (see S. 1615), S5903 [22SE]

———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]

Government-sponsored enterprises: apply Freedom of Information Act to Fannie Mae and Freddie Mac during any period that such entities are in conservatorship or receivership (see H.R. 463), H507 [26JA]

———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]

———establish a term for conservatorships of Fannie Mae and Freddie Mac, and provide conditions for continued operations, wind down, and dissolution of such enterprises (see S. 693), S2046 [31MR] (see H.R. 1182), H1983 [17MR]

———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]

———limit aggregate amount provided by U.S. taxpayers for the bailout of Fannie Mae and Freddie Mac (see H.R. 2462), H4792 [8JY]

———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]

———require Fannie Mae and Freddie Mac to sell or dispose of assets of such enterprises that are not critical to their missions (see H.R. 2440), H4748 [7JY]

———suspend compensation packages for senior executives of Fannie Mae and Freddie Mac and compensate such executives in accordance with executive branch senior employees pay rates (see H.R. 1221), H2036 [29MR]

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

———repeal (see H.R. 299), H254 [18JA]

Housing: 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 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]

IMF: repeal authority to provide certain loans to the IMF, prohibit loans to provide financing for European financial stability, and oppose provision of such financing (see S. 1975), S8461 [8DE]

———repeal authority to provide certain loans to the IMF, repeal increase in the U.S. quota in that Fund, and certain other authorities, and rescind related appropriations (see S. 1276), S4076 [23JN] (see H.R. 2313), H4526 [23JN]

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]

Insurance: prohibit financial regulators from collecting data directly from an insurance company (see H.R. 3559), H8135 [5DE]

International relations: reject creation of a system of global taxation, government bailouts for the financial sector, or climate regulation that would negatively impact the U.S. economy and sovereignty (see S. Res. 111), S1933 [29MR]

Investments: adjust date on which consolidated assets are determined for purposes of exempting certain instruments of smaller institutions from capital deductions (see H.R. 3128), H6671 [6OC]

Iran: impose sanctions on foreign financial institutions that deal with the Central Bank of Iran (see H.R. 3508), H7898 [22NO]

———impose sanctions on foreign financial institutions that deal with the Central Bank of Iran if the bank engaged in transactions relating to weapons proliferation or terrorism (see H.R. 3439), H7713 [16NO]

Law enforcement: limit suspicious activity reporting requirements to requests from law enforcement agencies (see S. 1071), S3339 [25MY]

———provide for a good faith exemption from suspicious activity reporting requirements (see S. 1072), S3339 [25MY]

Libya: authorize the President to confiscate and vest certain property of the Government of Libya and to use that property to provide humanitarian relief to the people of Libya (see S. 1180), S3727 [13JN]

———authorize the President to vest certain property of the Government of Libya and to use that property to defray costs of U.S. military operations (see H.R. 3725), H9926 [16DE]

NAFTA: promote infrastructure projects financed by the North American Development Bank in the border region to promote growth in trade and commerce between the U.S. and Mexico (see H.R. 2216), H4326 [16JN]

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]

Native Americans: modify requirements on the location of bank branches on Indian reservations (see S. 62), S123 [25JA]

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]

———improve regulations dealing with disclosure of nonpublic personal information (see H.R. 653), H722 [11FE]

———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 Company Accounting Oversight Board: promote transparency by making disciplinary proceedings open to the public (see S. 1907), S7829 [18NO] (see H.R. 3503), H7891 [18NO]

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]

Real estate: authorize depository institutions, holding companies, Fannie Mae, and Freddie Mac to lease foreclosed property held by such institutions and companies (see H.R. 2636), H5488 [25JY]

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

———prevent foreclosure of home mortgages and increase availability of affordable new mortgages and affordable refinancing of mortgages held by Fannie Mae and Freddie Mac (see H.R. 363), H394 [20JA]

———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]

———provide amortization authority in certain situations for capital calculation under the Financial Institutions Examination Council Consolidated Reports of Condition and Income (see H.R. 1356), H2292 [4AP]

———provide for affordable refinancing of mortgages held by Fannie Mae and Freddie Mac (see S. 170), S126 [25JA]

———require certain mortgagees to make loan modifications and establish a grant program for State and local government mediation programs (see S. 489), S1219 [3MR]

———require Fannie Mae and Freddie Mac to disclose minimum price on the short sale of a residence financed by a mortgage purchased by them in order to make short sales a viable alternative to foreclosure (see H.R. 3164), H6853 [12OC]

Russia: make certain individuals ineligible for visas or admission to U.S. and impose certain financial measures on such individuals pending investigation of death of Sergei L. Magnitsky (see H.R. 1575), H2909 [15AP]

SBA: 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]

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

———improve consideration of the costs and benefits of its regulations and orders (see H.R. 2308), H4526 [23JN]

———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]

———require companies and banks to disclose sanctionable investments and activities in Iran (see S. 366), S791 [16FE] (see H.R. 740), H1039 (see H.R. 740), H1070 [16FE]

Securities: establish standards for covered bond programs and a covered bond regulatory oversight program (see S. 1835), S7294 [9NO]

———implement regulations governing over-the-counter swaps, promote regulatory coordination, and avoid market disruption (see H.R. 1573), H2909 [15AP]

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

———provide an exemption for certain swaps and security-based swaps involving non-U.S. persons (see H.R. 3283), H7165 [31OC]

———provide end user exemptions for certain derivative sales (see S. 947), S2874 [11MY] (see H.R. 1610), H2911 [15AP] (see H.R. 2682), H5732 [28JY]

———refine definition of swap execution facility for purposes of swap market regulation (see H.R. 2586), H5238 [19JY]

———repeal prohibition on any Federal bailout of swap dealers or participants (see H.R. 1838), H3218 [11MY]

———set implementation schedule for derivatives and over-the-counter swaps regulations, evaluate economic implications of such regulations, and establish SEC Office of Derivatives (see S. 1650), S6090 [4OC]

Senior citizens: offer services to protect from affinity scams (see H.R. 370), H394 [20JA]

Small business: encourage initiatives for appropriate and accessible financial products for entities that do not have access to the financial mainstream (see H.R. 3635), H8727 [12DE]

———ensure State-certified medical marijuana businesses have full access to banking services (see H.R. 1984), H3644 (see H.R. 1984), H3682 [25MY]

———provide certain credit unions with the authority to make additional member business loans (see H.R. 1418), H2533 [7AP]

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

Social Security: invest trust funds in marketable interest-bearing securities and insured certificates of deposit, and protect trust funds from public debt limit (see H.R. 219), H134 [7JA]

———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]

Southeast Asia: protect and increase U.S. support for delaying the construction of mainstream dams along the Mekong River (see S. Res. 227), S4450 [7JY]

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]

———allow a temporary dividends received deduction for certain taxable years (see H.R. 1834), H3218 [11MY]

———create jobs through infrastructure investment (see H.R. 992), H1722 [10MR]

———encourage investment in certain industries by providing an exclusion from tax on certain gains (see H.R. 1313), H2265 [1AP]

———establish Catastrophe Savings Accounts (see H.R. 2100), H3985 [2JN]

———exclude from gross income certain interest amounts received by individuals (see H.R. 170), H39 [5JA]

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

———permanently extend the subpart F exemption for active financing income (see H.R. 749), H1039 (see H.R. 749), H1070 [16FE]

———permanently modify limitations on deduction of interest by financial institutions which hold tax-exempt bonds (see S. 1016), S3052 [17MY]

———provide exclusion for assistance provided to certain veterinary student loan repayment or forgiveness program participants (see S. 518), S1501 [9MR]

———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]

Unemployment: prohibit fees relative to electronic benefit transfer debit cards used in connection with unemployment compensation (see H.R. 3598), H8260 [7DE]

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

Wall Street Reform and Consumer Protection Act: clarify provisions relative to regulation of municipal advisors (see H.R. 2827), H5928 [26AU]

———exclude small lenders from certain regulations (see H.R. 3336), H7329 [3NO]

———repeal (see S. 712), S2046 [31MR] (see S. 746), S2187 [6AP] (see H.R. 87), H35 [5JA]

Factsheets

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

Letters

CFTC ability to implement certain rules without substantiation, protect end users from margin requirements, and set boundaries on overseas application of derivative requirements: Senator Tim Johnson and Representative Frank, H7773 [17NO]

CFTC implementation of regulations limiting amount of outside speculator participation in the energy futures trading markets: Bart Chilton, CFTC, H2587 [12AP]

———Joseph H. Petrowski, Cumberland Gulf Group of Companies, E1395 [25JY]

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]

Impose sanctions on foreign financial institutions that deal with the Central Bank of Iran: Timothy F. Geithner, Sec. of the Treasury, S8136 [1DE]

Limit suspicious activity reporting requirements to requests from law enforcement agencies: Eric H. Holder, Jr., Attorney General, S3398 [26MY]

Nomination of James M. Cole to be Deputy Attorney General: Senators Grassley and Chambliss, S2767 [9MY]

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]

———Joseph T. Hansen, United Food and Commercial Workers International Union (UFCW), S2024 [31MR]

———Main Street Alliance, S2184 [6AP]

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

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

———Senator Durbin, S2718 [5MY]

———several national and State trade associations, S2024 [31MR]

———Steven C. Anderson, National Association of Chain Drug Stores and Kathleen D. Jaeger, National Community Pharmacists Association, S2025 [31MR]

———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]

Tax exclusion for assistance provided to certain veterinary student loan repayment or forgiveness program participants: American Veterinary Medical Association, S1504 [9MR]

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]

Messages

Imposition of Certain Sanctions Relative to the Provision of Goods, Services, Technology, or Support for Iran's Energy and Petrochemical Sectors: President Obama, H7895 [22NO]

Motions

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]

Press releases

Bills Introduced To Delay Swipe Fee Reform: National Small Business Association, S2024 [31MR]

Consumer Bureau, State Attorneys General Partnership Will Help Better Protect American Consumers of Financial Products and Services From Unlawful Acts and Practices: Consumer Financial Protection Bureau, E711 [13AP]

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]

Association of Community Organizations for Reform Now, Inc. (ACORN): alleged involvement in voter registration fraud, H7200-H7202 [1NO]

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]

Bucks County, PA: tribute to First Savings Bank of Perkasie and Penn Foundation, Inc., Wellspring Clubhouse for efforts to support individuals recovering from mental illness, E2044 [15NO]

Business and industry: encourage venture capital and initial public offerings as incentives to companies to bring back jobs and profits from overseas, H7610-H7613 [15NO]

———limit certain retirement compensation for businesses and labor unions that accept Federal funds, H2252 [1AP]

CFTC: funding, H4081, H4094, H4095, H4123, H4125, H4126, H4152-H4164, H4167 [14JN], H7775 [17NO], E396 [2MR], E1109 [15JN], E1123 [16JN]

———implementation of regulations limiting amount of outside speculator participation in the energy futures trading markets, H2587 [12AP], H3422 [25MY], E1395 [25JY]

———require finalization of swap data-reporting rules before promulgating final block trade or real-time reporting criteria rules, H4270, H4271 [15JN]

Chaffin, H. Douglas: Michigan Bankers Association Banker of the Year award recipient, E277 [18FE]

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]

Consumers: partnership between the Federal Government and the States to protect consumers of financial products and services, E710 [13AP]

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

Credit: 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]

———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]

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

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

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

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

———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]

Crime: prevent identity theft and tax fraud (H.R. 3215), H7733 [17NO]

Cruz, Reanna A.: SBA Guam Financial Services Champion of the Year award recipient, E724 [14AP]

Democratic Party: national agenda, H2092-H2094 [30MR]

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 for Troubled Asset Relief Program purchase of vacant properties by regional public-private partnerships to retain value, stabilize communities, and minimize impact on taxpayers (H.R. 7189), H1863 [16MR]

———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), 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]

Economy: address housing crisis, H6569 [5OC]

———analysis of causes and potential remedies of current economic recession, H1445-H1448 [1MR], H1514 [2MR], H1827 [15MR], H3324 [23MY], H3764 [31MY], H8174-H8178 [6DE]

———create jobs through spending cuts, tax reform, regulatory burden reduction, domestic energy development, and export promotion, H7012 [25OC], H7077 [26OC]

———depreciation of the U.S. dollar relative to FRS proposal to print more money, H4955 [13JY]

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

———impact of depreciation of the U.S. dollar, H2995 [3MY]

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

———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]

———``Occupy Wall Street'' protest movement against wealth disparity issues, H6559 [5OC], H7128 [26OC], H7392 [4NO], H7642 [16NO], E1986 [2NO]

———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]

———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: limit certain bonus compensation, H1698 [10MR]

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

FBI: provide additional resources for Federal investigations and prosecutions of crimes related to the recent financial crisis, H7736 [17NO]

———provide additional resources for Federal investigations and prosecutions of crimes related to the recent financial crisis (H.R. 1350), H7725 [17NO], H8004 [1DE], H8195 [7DE], H8962-H8964 [14DE]

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]

———require a study on the impact of insured depository institution failures (H.R. 2056), H5541-H5543 [26JY], H5729 [28JY], E1436, E1437 [28JY]

———require a study on the impact of insured depository institution failures (H.R. 2056), Senate amendments, H9933-H9936 [19DE], H9999 [20DE]

Federal Housing Finance Agency: legal defense fees funding for Fannie Mae and Freddie Mac senior executives, H1292 [18FE]

Financial Aid Day: observance, E1916 [24OC]

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

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: abolish Board of Governors and repeal Federal Reserve Act (H.R. 1094), E485 [15MR]

———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]

———ensure authority of Consumer Financial Protection Bureau to protect seniors from abusive, predatory, unfair, and deceptive financial practices, H5346 [21JY]

———expedite appointment of Bureau of Consumer Financial Protection Director, H3927 [2JN]

———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]

———reform Consumer Financial Protection Bureau to increase accountability and transparency, H8265 [8DE]

———remove representatives of the Federal Reserve banks from membership on the Federal Open Market Committee (H.R. 1512), H6966-H6970 [14OC]

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

———require an audit of the Board of Governors and Federal reserve banks, H418 [24JA]

———require an audit of the Board of Governors and Federal reserve banks (H.R. 459), E128 [26JA]

———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]

Goldman Sachs Group, Inc.: launch of new public relations campaign, E84 [20JA]

Government regulations: impact on small banks, H7022 [25OC]

———improve accountability and transparency in the financial system, end ``too big to fail'', end bailouts, and protect consumers from abusive financial services practices, H8999 [15DE]

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

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

———require Fannie Mae and Freddie Mac to comply with Property Assessed Clean Energy (PACE) Program standards, E225 [15FE], E280 [18FE]

———suspend compensation packages for senior executives of Fannie Mae and Freddie Mac, H2303 [5AP]

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

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

Housing: address the issue of vacant and abandoned homes, H8981 [15DE]

———handling of foreclosure crisis, H3922 [2JN], E158 [8FE]

IMF: repeal authority to provide certain loans to the IMF, repeal increase in the U.S. quota in that Fund, and certain other authorities, and rescind related appropriations (H.R. 2313), H8742 [13DE]

Iran: impose sanctions on foreign financial institutions that deal with the Central Bank of Iran, H8919 [14DE]

IRS: proposed rule requiring banks to notify governments of foreign depositors about amount of deposits in U.S. banks, H1652 [9MR]

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

National objectives: economic recovery, H6630 [6OC], H7063-H7067 [25OC]

National Penn Bank, Inc.: anniversary of Royersford branch, E86 [20JA]

Obama, President: evaluation of administration relative to recession and mortgage crisis, H7003, H7005 [24OC]

———Executive order on student loan reform, H7118 [26OC], H7137 [27OC]

Patents: eliminate the transitional program for covered business method patents requiring a post-grant administrative review, H4496-H4498 [23JN]

Petroleum: impact of oil speculators on gasoline prices, H2994 [3MY], H3065 [5MY], H3194 [11MY], H4081, H4152-H4157 [14JN], H4312, H4313 [16JN], E1109 [15JN]

Public debt: debt held by foreigners, H611 [10FE], H2320 [5AP]

———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: authorize depository institutions and holding companies to lease foreclosed property held by such institutions and companies, H1863 [16MR]

———mortgage foreclosure prevention assistance programs funding, H2118 [31MR]

———prevent foreclosure of home mortgages, H6348 [22SE]

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

Republican Party: national agenda, H7189-H7194 [1NO], H7586 [15NO], H9999 [20DE]

SEC: funding, E396 [2MR]

———funding through reductions in GSA and IRS funding, H1125-H1131 [17FE]

———hedge funds regulation funding, H845 [15FE], E278 [18FE]

Selfreliance Ukrainian American Federal Credit Union: anniversary, E1671 [21SE]

Small business: encourage initiatives for appropriate and accessible financial products for entities that do not have access to the financial mainstream (H.R. 3635), E2228 [12DE]

———encourage investment by financial institutions, H7082 [26OC]

———provide certain credit unions with the authority to make additional member business loans (H.R. 1418), H6564 [5OC]

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

Social Security: invest trust funds in marketable interest-bearing securities and insured certificates of deposit, and protect trust funds from public debt limit (H.R. 219), E4 [5JA]

Taxation: allow a temporary dividends received deduction for certain taxable years (H.R. 1834), H4687 [7JY]

———create jobs through infrastructure investment, H6347 [22SE]

———create jobs through infrastructure investment (H.R. 992), H1857 [16MR]

———encourage investment in certain industries by providing an exclusion from tax on certain gains, H1639 [9MR]

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

———restrict use of abusive tax shelters and offshore tax havens to inappropriately avoid Federal taxation, H1674 [10MR]

Vacaville, CA: anniversary of Travis Credit Union, E1877 [14OC]

———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]

Wall Street Reform and Consumer Protection Act: implement requirements, H8957 [14DE]

———repeal, H3927 [2JN], H8200 [7DE]

———repeal requirement that data repositories obtain indemnification from foreign regulators prior to sharing of certain information, E764 [15AP]

Will, George F.: characterization of legislation by Representative Frank to remove representatives of the Federal Reserve banks from membership on the Federal Open Market Committee, H6966-H6969 [14OC]

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]

———make chapter 12 of bankruptcy code permanent relative to the treatment of farmers' reorganization plans by banks, S8695 [16DE]

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

CFTC: funding, S8694 [16DE]

———implementation of regulations limiting amount of outside speculator participation in the energy futures trading markets, S3305, S3306 [25MY]

———impose position limits and margin requirements to eliminate excessive oil speculation and ensure that price of crude oil and derivative fuels reflects fundamentals of supply and demand (S. 1200), S3821 [15JN]

———impose position limits on crude oil futures, S3303-S3306 [25MY]

———limit ability to implement certain rules without substantiation, protect end users from margin requirements, and set boundaries on overseas application of derivative requirements, S6934-S6936 [1NO]

———set hard caps on speculative position limits for futures on energy commodities, S1594 [14MR], S2858 [11MY], S2983 [16MY], S3376 [26MY]

Cole, James M.: suitability to be Deputy Attorney General relative to performance as an independent consultant tasked with overseeing American International Group, Inc. (AIG), S2765, S2769 [9MY], S4140 [28JN]

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

Community banks: enhance ability to foster economic growth and serve their communities, boost small businesses, and increase individual savings (S. 1600), S8056 [30NO]

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

Courts: require judicial review of suspicious activity reports (S. 1077), S3364 [25MY]

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

———establish clear regulatory standards for mortgage servicers, 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]

———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]

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

Credit unions: advance the ability to promote small business growth and economic development opportunities, S1785-S1787 [17MR], S2019 [31MR]

———advance the ability to promote small business growth and economic development opportunities (S. 509), S5722 [19SE]

Crime: prevent identity theft and tax fraud (S. 1534), S5461 [8SE], S5595 [14SE]

CTFC: limit ability to implement certain rules without substantiation, protect end users from margin requirements, and set boundaries on overseas application of derivative requirements, S6731, S6750 [19OC]

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 Justice: conduct audits and require matching funds for grant recipients, and prohibit funding to nonprofit organizations holding money in offshore accounts, S6802, S6805-S6808, S6851 [20OC]

———improve efforts to combat fraud, S7801 [18NO]

———improve efforts to combat fraud (S. 890), S2733 [5MY]

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

———prohibit direct cash transfers from Cuban buyers to U.S. financial institutions for payment of agricultural commodities, S7432, S7433 [15NO]

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

———analysis of causes and potential remedies of current economic recession, S2374 [12AP], S2712 [5MY], S4171 [29JN], S4251, S4252 [30JN], S4797 [21JY], S5711 [19SE], S5795-S5797 [21SE], S6792 [20OC]

———create jobs through spending cuts, tax reform, regulatory burden reduction, domestic energy development, and export promotion, S7263-S7268, S7270-S7277 [9NO], S7336-S7338 [10NO]

———create jobs through spending cuts, tax reform, regulatory burden reduction, domestic energy development, and export promotion (S. 1720), S6566-S6569, S6621 [17OC], S6623 [18OC]

———impact of European financial crisis on U.S. economy, S7281 [9NO]

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

Eximbank: reauthorize (S. 1547), S5537 [13SE]

FDIC: guidance on bank overdraft protection programs, S2219 [7AP]

———require a study on the impact of insured depository institution failures (H.R. 2056), S7777 [17NO], S7824 [18NO]

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

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]

———reform Consumer Financial Protection Bureau to increase accountability and transparency, S4625 [18JY], S8346 [6DE], S8422-S8428 [8DE]

———require an audit of the Board of Governors and Federal reserve banks (S. 202), S282 [26JA]

FTC: investigation into impact of oil speculators on gasoline prices, S4054 [23JN]

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

———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]

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

———suspend compensation packages for senior executives of Fannie Mae and Freddie Mac, S7100 [3NO]

Housing: handling of foreclosure crisis, S6568 [17OC]

IMF: certify that loans to foreign countries whose public debt exceeds its gross domestic product will be repaid, S3669 [9JN]

———repeal authority to provide certain loans to the IMF, repeal increase in the U.S. quota in that Fund, and certain other authorities, and rescind related appropriations, S4145 [28JN], S4175 [29JN]

———repeal authority to provide certain loans to the IMF, repeal increase in the U.S. quota in that Fund, and certain other authorities, and rescind related appropriations (S. 1276), S4106 [23JN], S4133 [27JN]

———rescind bailout funds, S3879 [16JN]

International Credit Union Day: observance, S6866 [20OC]

International economic relations: impose sanctions on foreign financial institutions that deal with the Central Bank of Iran, S7822 [18NO]

Iran: enhance economic sanctions, S6371, S6372 [11OC]

———impose sanctions on foreign financial institutions that deal with the Central Bank of Iran, S7639, S7650 [17NO], S7822 [18NO], S7965 [29NO], S8027-S8030 [30NO], S8105-S8107, S8125, S8126, S8135 [1DE], S8410 [7DE], S8661 [15DE]

———impose sanctions to collapse the Central Bank of Iran, S6494 [13OC], S7173 [8NO]

Law enforcement: limit suspicious activity reporting requirements to requests from law enforcement agencies, S3392, S3395, S3397-S3399 [26MY]

———limit suspicious activity reporting requirements to requests from law enforcement agencies (S. 1071), S3363 [25MY]

———provide for a good faith exemption from suspicious activity reporting requirements (S. 1072), S3363 [25MY]

Libya: authorize the President to confiscate and vest certain property of the Government of Libya and to use that property to provide humanitarian relief to the people of Libya (S. 1180), S3729 [13JN]

Medicare/Medicaid: require provider payments to be made through direct deposit or electronic funds transfer (EFT) at insured depository institutions, S2369 [12AP]

Native Americans: modify requirements on the location of bank branches on Indian reservations (S. 62), S176 [25JA]

Palmyra State Bank: anniversary, S6662 [18OC]

Petroleum: impact of oil speculators on gasoline prices, S2855 [11MY], S2904 [12MY]

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]

Public Company Accounting Oversight Board: promote transparency by making disciplinary proceedings open to the public (S. 1907), S7831 [18NO]

Public debt: debt held by foreigners, S4169, S4170 [29JN]

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

———provide for affordable refinancing of mortgages held by Fannie Mae and Freddie Mac (S. 170), S228 [25JA]

———require certain mortgagees to make loan modifications and establish a grant program for State and local government mediation programs (S. 489), S1232, S1235 [3MR]

Republican Party: national agenda, S7175-S7178 [8NO], S7246 [9NO]

SBA: reinstate increase in surety bond guarantee limits, S1781 [17MR]

SEC: funding, S8694 [16DE]

Securities: prohibit proprietary trading and certain relationships with hedge funds and private equity funds and address conflicts of interest with respect to certain securitizations, S4797 [21JY]

Security State Bank of Wisconsin: anniversary, S5532 [13SE]

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

Southeast Asia: protect and increase U.S. support for delaying the construction of mainstream dams along the Mekong River (S. Res. 227), S4627 [18JY]

Taxation: permanently modify limitations on deduction of interest by financial institutions which hold tax-exempt bonds (S. 1016), S3058 [17MY]

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

———provide exclusion for assistance provided to certain veterinary student loan repayment or forgiveness program participants (S. 518), S1504 [9MR]

Wall Street Reform and Consumer Protection Act: impact, S4629 [18JY], S4783, S4797 [21JY]

———repeal, S6298, S6300 [6OC], S6792 [20OC], S7175 [8NO], S7274 [9NO]

Wisconsin: anniversary of Farmers and Merchants Union Bank, S4958 [27JY]

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]

Burdensome Data Collection Relief Act: Committee on Financial Services (House) (H.R. 1062) (H. Rept. 112-142), H4944 [12JY]

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

Business Risk Mitigation and Price Stabilization Act: Committee on Financial Services (House) (H.R. 2682) (H. Rept. 112-343), H10026 [23DE]

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]

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]

Eximbank Reauthorization: Committee on Banking, Housing, and Urban Affairs (Senate) (S. 1547), S5535 [13SE]

FDIC Study on the Impact of Insured Depository Institution Failures: Committee on Financial Services (House) (H.R. 2056) (H. Rept. 112-182), H5579 [26JY]

Fighting Fraud To Protect Taxpayers Act: Committee on the Judiciary (Senate) (S. 890), S3170 [19MY]

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

Implement Regulations Governing Over-the-Counter Swaps, Promote Regulatory Coordination, and Avoid Market Disruption Relative to Securities: Committee on Agriculture (House) (H.R. 1573) (H. Rept. 112-109), H4325 [16JN]

———Committee on Financial Services (House) (H.R. 1573) (H. Rept. 112-109), H4325 [16JN]

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]

Protect and Increase U.S. Support for Delaying the Construction of Mainstream Dams Along the Mekong River: Committee on Foreign Relations (Senate) (S. Res. 227), S8148 [1DE]

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]

Securing American Jobs Through Exports Act: Committee on Financial Services (House) (H.R. 2072) (H. Rept. 112-201), H6042 [9SE]

Swap Execution Facility Clarification Act: Committee on Financial Services (House) (H.R. 2586) (H. Rept. 112-345), H10026 [23DE]

Statements

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

Declaration of Occupy D.C.: Occupy D.C. (organization), E2301 [16DE]

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]

Selection of Voting Members To Serve on the Federal Open Market Committee: Representative Frank, H6969 [14OC]

Summaries

Incorporation Transparency and Law Enforcement Assistance Act (S. 1483), S5259 [2AU]

Libyan Assets for Humanitarian Relief Act (S. 1180), S3731 [13JN]

Tables

CBO preliminary estimate—change in amounts subject to appropriation arising from Section 511 of the Tax Increase Prevention and Reonciliation Act, S6852 [20OC]

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

Texts of

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

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

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. 2056, require an FDIC study on the impact of insured depository institution failures, S7777 [17NO], H5541 [26JY]

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

S. 62, Indian Reservation Bank Branch Act, S176 [25JA]

S. 202, Federal Reserve Transparency Act, S282 [26JA]

S. 489, Preserving Homes and Communities Act, S1233-S1235 [3MR]

S. 890, Fighting Fraud To Protect Taxpayers Act, S2733-S2735 [5MY]

S. 1016, Municipal Bond Market Support Act, S3059 [17MY]

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

S. 1071, limit suspicious activity reporting requirements to requests from law enforcement agencies, S3363 [25MY]

S. 1072, provide for a good faith exemption from suspicious activity reporting requirements, S3363 [25MY]

S. 1077, require judicial review of suspicious activity reports, S3364 [25MY]

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

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

S. 1180, Libyan Assets for Humanitarian Relief Act, S3729-S3731 [13JN]

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. 1534, Identity Theft and Tax Fraud Prevention Act, S5462 [8SE]

S. 1835, U.S. Covered Bond Act, S7297-S7302 [9NO]

S. 1907, PCAOB Enforcement Transparency Act, S7832 [18NO]

S. Res. 111, reject creation of a system of global taxation, government bailouts for the financial sector, or climate regulation that would negatively impact the U.S. economy and sovereignty, S1937 [29MR]

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

S. Res. 227, protect and increase U.S. support for delaying the construction of mainstream dams along the Mekong River in Southeast Asia, S4454 [7JY]

S. Res. 346, suspend aid to Antigua and Barbuda, urge cooperation with U.S. officials, transfer seized assets, make contributions to victims, and condition international loans relative to Stanford Financial Group fraud, S8464 [8DE]

S. Res. 348, provide greater transparency and accountability by the Dept. of the Treasury in the Small Business Lending Fund, S8688 [15DE]