CREDIT related term(s) Consumers

Addresses

FRS on Monetary Policy: Janet L. Yellen, FRS, H5155–H5157 [24JY]

Articles and editorials

Deal Is Closer for a U.S. Plan on Mortgage Relief, H517 [7FE]

Fannie, Freddie Dole Out Big Bonuses, S184 [31JA]

How the Fed Favors the 1%, E706 [7MY]

Job Gains Reflect Hope a Recovery Is Blooming, H527 [7FE]

Secret Fed Loans Gave Banks $13 Billion Undisclosed to Congress, H5158–H5160 [24JY]

That Comeback Trail for the Economy? Here, It’s Littered With Foreclosures, H672 [9FE]

To Pay Off Loans, Grads Put Off Marriage, Children, S2672 [25AP]

What a Drag!, S2673 [25AP]

Would Repeal of Key Dodd-Frank Provision Really Save $22 Billion?, H2610 [10MY]

Bills and resolutions

Armed Forces: enhance protections accorded to servicemembers and their spouses relative to mortgages (see S. 3179), S3174 [15MY]

——— ensure that relocation of an active duty servicemember away from the servicemember’s principal residence does not prevent the refinancing of a mortgage on that residence (see H.R. 4740), H2125 [25AP]

——— improve protections for servicemembers against mortgage foreclosures (see S. 3323), S4368 [20JN] (see H.R. 5747), H2713 [15MY]

——— provide for relief in civil actions for violations of the protections on credit extended to members and their dependents (see S. 3207), S3329 [21MY]

Colleges and universities: prohibit institutions of higher education that have a certain cohort default rate from receiving veterans’ education benefits (see H.R. 5836), H3161 [18MY]

——— require private educational lenders to obtain certain certifications from institutions of higher education (see S. 2280), S2243 [29MR] (see H.R. 6273), H5704 [2AU]

——— simplify the process for determining the need and eligibility of students for financial assistance (see H.R. 6558), H6276 [21SE]

Consumers: address certain issues relative to the extension of consumer credit (see S. 3426), S5304 [24JY] (see H.R. 6483), H6273 [21SE]

——— clarify Federal law relative to reporting positive consumer credit information to consumer reporting agencies by public utility companies (see H.R. 6363), H5764 [10SE]

——— exclude from consumer credit reports medical debt that has been in collection and has been fully paid or settled (see S. 2149), S1194 [1MR]

——— preclude law firms and licensed attorneys from the definition of a debt collector when taking certain actions (see H.R. 6706), H7435 [27DE]

——— prohibit use of consumer reports and consumer information in making any determination involving auto insurance (see H.R. 6129), H4868 [13JY]

——— protect against abusive debt collectors by regulating medical debt collection practices, prohibit collectors from seeking arrest warrants to collect debts, and provide information about the debt (see S. 3350), S4674 [27JN]

——— provide that the payment of a bill, invoice, or statement of account due, if made by mail, shall be considered to have been made on the date with which the envelope used to transmit such payment is postmarked (see H.R. 4003), H692 [9FE]

Credit cards: establish a national usury rate for consumer accounts under open end consumer credit plans (see H.R. 4084), H943 [17FE]

Dept. of Defense: carry out a program to develop innovative financial products that encourage savings and wealth-creation among active servicemembers and reduce use of predatory lenders (see H.R. 5946), H3702 [12JN]

Dept. of Education: provide interest-free deferment on unsubsidized student loans during periods of unemployment (see H.R. 5895), H3480 [5JN]

——— provide interest-free deferment on unsubsidized student loans made to recent college students when the unemployment rate is at a certain level and other periods of deferment (see H.R. 5801), H3102 [17MY]

——— restore and extend the grace period before repayment begins on certain loans under the Federal Direct Loan Program (see H.R. 4286), H1740 [28MR]

——— simplify and improve Federal Direct Loan Program through income-contingent repayment to protect borrowers and encourage responsible borrowing (see H.R. 6674), H6828 [17DE]

Dept. of HHS: provide for the participation of optometrists in the National Health Service Corps scholarship and loan repayment programs (see S. 2192), S1733 [15MR]

——— provide grants for school-based mentoring programs for at-risk teenage girls to prevent and reduce teen pregnancy and provide student loan forgiveness for mentors participating in such programs (see H.R. 4034), H801 [15FE]

Dept. of HUD: authorize use of multifamily housing subject to a mortgage insured under the National Housing Act as workforce residential housing (see S. 2035), S131 [26JA] (see H.R. 3825), H181 [25JA]

——— establish a pilot program to reduce up-front premiums on FHA mortgage insurance for first-time homebuyers who complete a homeownership counseling program to help reduce default rates (see H.R. 5884), H3404 [1JN]

——— provide for semiannual actuarial studies of FHA mortgage insurance program during periods that the Mutual Mortgage Insurance Fund does not meet minimum capital ratio requirements (see H.R. 3853), H218 [31JA]

Dept. of the Treasury: transfer proceeds from the sale of Government stock in General Motors Co., to fund pension benefits for former Delphi Corp., employees (see S. 3544), S6340 [13SE] (see H.R. 6404), H5999 [13SE]

Dept. of Veterans Affairs: improve the Multifamily Transitional Housing Loan Program (see S. 3348), S4674 [27JN]

——— make home loan guaranty programs for veterans regarding adjustable rate mortgages and hybrid adjustable rate mortgages (see H.R. 4482), H2064 [24AP]

Education: provide for loan forgiveness for early childhood educators (see S. 2181), S1540 [8MR]

——— restore fairness in education financing through student loan forgiveness, Federal student loan interest rate caps, and refinancing opportunities for private borrowers (see H.R. 4170), H1303 [8MR]

Federal Housing Finance Agency: prohibit investments by mortgage finance agencies that create disincentives to help homeowners and stabilize the housing market (see S. 2072), S350 [6FE]

FHA: ensure fiscal solvency of mortgage insurance programs (see S. 3678), S8041 [13DE] (see H.R. 4264), H1641 [27MR]

——— establish a fund that allows responsible homeowners to refinance mortgages (see S. 3047), S3041 [9MY]

——— establish Second Chance at Homeownership Program (see H.R. 4172), H1304 [8MR]

Financial Consumers Association: establish to advance rights and remedies available to consumers relative to financial services transactions (see H.R. 6667), H6806 [13DE]

Financial institutions: establish a national consumer credit usury rate (see S. 3452), S5487 [26JY]

——— exclude credit union loans made to Main Street businesses from the definition of member business loan (see H.R. 4293), H1740 [28MR]

——— exempt community banks from certain escrow requirements (see S. 2278), S2243 [29MR]

——— focus Federal banking regulators on credit availability and provide insured depository institutions with certain authorities when calculating the institution’s capital (see H.R. 6037), H4156 [27JN]

——— permit certain current loans that would otherwise be treated as non-accrual loans as accrual loans for certain purposes (see H.R. 4029), H725 [14FE]

——— provide exception from requirement for annual privacy notices for financial institutions which do not share personal information with affiliates (see H.R. 5817), H3103 [17MY]

——— require holders of student loans to apply prepayment amounts to loans with the highest rates of interest (see H.R. 6510), H6275 [21SE]

——— specify that courses offered by lenders for their own employees may not satisfy pre-licensing or continuing education requirements of mortgage loan originators (see H.R. 6158), H5077 [19JY]

Financial literacy: provide incentives to encourage financial institutions and small businesses to provide continuing financial education to customers, borrowers, and employees (see H.R. 4394), H1977 [18AP]

Financial Literacy Month: designate (see S. Res. 409), S2166 [28MR]

——— support goals and ideals (see H. Res. 633), H2126 [25AP]

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 S. 2078), S388 [7FE]

Law enforcement: enhance punishment for identity theft and other violations of data privacy (see S. 2111), S699 [15FE]

Mortgages: amend the definition of mortgage originator to include certain employees of a retailer of manufactured homes (see H.R. 6694), H7424 [20DE]

——— encourage mortgage loan modifications and suspending foreclosures and evictions (see H.R. 4848), H2204 [26AP]

——— establish clear regulatory standards for mortgage servicers (see H.R. 3789), H77 [18JA]

——— establish shared equity appreciation mortgage modification pilot programs (see S. 2093), S494 [9FE] (see H.R. 5940), H3699 [8JN]

——— improve definitions of points and fees in connection with a mortgage transaction (see H.R. 4323), H1804 [29MR]

——— prevent foreclosure of home mortgages and provide for affordable refinancing of mortgages held by Fannie Mae and Freddie Mac through mortgages having 50-year terms of maturity (see H.R. 6366), H5765 [10SE]

——— prohibit Federal agencies from guaranteeing, making, or insuring a mortgage secured by a residence in a jurisdiction that has used eminent domain to take a residential mortgage (see H.R. 6397), H5999 [13SE]

——— provide exception from definition of loan originator for certain loans made relative to manufactured homes and amend Truth in Lending Act to modify definition of high-cost mortgage (see S. 3484), S5977 [2AU] (see H.R. 3849), H218 [31JA]

——— provide for affordable refinancing of mortgages held by Fannie Mae and Freddie Mac (see S. 3085), S3085 [10MY] (see S. 3522), S6062 [10SE] (see H.R. 6428), H6060 [14SE]

——— provide homeowners with additional protections and safeguards against foreclosure (see H.R. 6395), H5999 [13SE]

——— require closing costs to be paid by the enterprises with respect to certain refinanced mortgage loans (see S. 2909), S2966 [8MY]

——— 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 S. 2120), S850 [16FE]

——— require portion of closing costs to be paid by the enterprises with respect to certain refinanced mortgage loans (see S. 3520), S5978 [2AU] (see H.R. 6467), H6231 [20SE]

——— require servicers to provide responses to mortgagors requesting residential mortgage loan refinancing (see S. 3177), S3174 [15MY]

National Consumer Credit Corporations: create a Federal charter (see H.R. 6139), H5008 [18JY]

Office of the Comptroller of the Currency: establish pilot program to facilitate communication between borrowers and servicers (see S. 3589), S6545 [20SE]

Real estate: require holder of subordinate lien on property that secures a federally related mortgage loan, upon a request by the homeowner for a short sale, to make a timely decision whether to allow the sale (see H.R. 6153), H5077 [19JY]

SBA: clarify collateral requirement for certain disaster-related loans (see S. 3672), S7976 [12DE] (see S. 3681), S8042 [13DE]

——— establish loan guarantee program to assist small business concerns that manufacture clean energy technologies (see H.R. 4185), H1304 [8MR]

——— extend availability of low-interest mortgage refinancing under the local development business loan program (see S. 2364), S2731 [25AP]

——— increase limitations on leverage for multiple licenses under common control (see H.R. 6504), H6274 [21SE]

——— increase small business lending (see H.R. 5851), H3162 [18MY]

——— make permanent the Small Loan Advantage program (see H.R. 3836), H186 [27JA]

——— provide for additional loan programs for veteran-owned small businesses (see H.R. 5835), H3161 [18MY]

——— provide interest rate for certain disaster related loans (see H.R. 6296), H5704 [2AU]

SEC: require nationally recognized statistical rating organizations to certify that they monitor the accuracy of credit ratings issued by the organization (see H.R. 6512), H6275 [21SE]

Small business: improve lending and cooperation between the National Credit Union Administration and SBA (see H.R. 4191), H1304 [8MR]

Taxation: allow qualified scholarship funding corporations to access tax-exempt financing for alternative private student loans (see H.R. 6209), H5326 [26JY]

——— exclude from gross income any discharge of indebtedness income on education loans of deceased veterans (see H.R. 5044), H2268 [27AP]

——— exclude from gross income of individual taxpayers discharges of indebtedness attributable to certain foreign residential mortgage obligations (see S. 2144), S1147 [29FE]

——— extend certain expiring provisions of the Internal Revenue Code (see S. 3521), S6062 [10SE]

——— extend exclusion from gross income of discharges of qualified principal residence indebtedness (see H.R. 4202), H1390 [19MR] (see H.R. 4250), H1542 [22MR] (see H.R. 4336), H1804 [29MR]

——— extend exclusion from gross income of discharges of qualified principal residence indebtedness and provide exclusions from income for certain payments under the National Mortgage Settlement (see H.R. 4290), H1740 [28MR]

——— extend the deduction for mortgage insurance (see H.R. 3999), H692 [9FE]

——— increase income limitations for student loan interest deduction (see H.R. 6010), H3975 [21JN]

——— permanently extend the private mortgage insurance tax deduction (see S. 3470), S5870 [1AU]

——— prevent an unfair tax burden for veterans and homeowners who have received assistance from the National Mortgage Settlement (see S. 3224), S3515 [23MY]

——— prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt (see S. 2250), S2242 [29MR]

——— replace the mortgage interest deduction with a nonrefundable credit for indebtedness secured by a residence (see H.R. 6677), H7264 [18DE]

Truth in Lending Act: add a rule of construction relative to certain payments to an employee of a mortgage originator (see H.R. 4076), H943 [17FE]

——— improve certain provisions relative to the compensation of mortgage originators (see H.R. 4163), H1272 [7MR]

Wall Street Reform and Consumer Protection Act: technical corrections (see S. 3713), S8507 [28DE]

Histories

Prevent Further Restriction of Federal Income Tax Deduction for Interest Paid on Debt Secured by a First or Second Home (H. Res. 25), H5679 [2AU]

Letters

FHA solvency and efforts to rebuild Mutual Mortgage Insurance Fund: Carol J. Galante, Acting Assistant Sec. of HUD for Housing and FHA Commissioner, S8526 [30DE]

Government Charge Card Abuse Prevention Act: Representative Issa, Committee on Oversight and Government Reform (House), H5413 [31JY]

——— Representative McKeon, Committee on Armed Services (House), H5413 [31JY]

Motions

Taxation: extend certain expiring provisions of the Internal Revenue Code (S. 3521), S6260 [12SE], S6289 [13SE], S6393 [19SE]

Opinion polls

District of Columbia budget autonomy: Purple Insights (organization), H2024 [19AP]

Remarks in House

Armed Forces: improve protections for servicemembers against mortgage foreclosures, H3058, H3059 [17MY]

Bankruptcy: make privately issued student loans dischargeable (H.R. 2028), E1226 [11JY]

Budget: application of fair-market value accounting method to certain Federal credit and loan guarantee programs, H534–H541 [7FE]

——— ensure that any changes to accounting standards for Federal loan programs do not adversely affect veterans and students, H547 [7FE]

——— establish a commission of budgeting and accounting experts to provide recommendations to Congress regarding the best measure to accurately account for the costs of Federal credit programs, H545, H546 [7FE]

Colleges and universities: address increasing levels of student loan debt and default rates, H515 [7FE], H590 [8FE], H1969–H1975 [18AP], H2052–H2055 [24AP], H2116 [25AP], H2145, H2146 [26AP]

——— affordability, H1435 [21MR]

——— Obama administration proposals to make higher education more affordable, H1138 [5MR]

——— require private educational lenders to obtain certain certifications from institutions of higher education, H5531 [1AU]

Consumers: provide reasonable and proportional fees and rules for electronic debit transactions, H6163 [20SE]

Credit cards: prevent abuse of Government credit cards (S. 300), H5411–H5414 [31JY], H5599 [1AU]

Dept. of Defense: regulate open-end credit loans to Armed Forces members and reduce use of predatory lenders, H5075 [19JY]

Dept. of Education: freeze income-based student loan repayment plan, H5146 [24JY]

——— freeze interest rates on subsidized student loans, H738 [15FE], H1795 [29MR]

——— protect students from higher education costs and increased student loan interest rates, H995, H996 [28FE]

——— provide interest-free deferment on unsubsidized student loans made to recent college students when the unemployment rate is at a certain level and other periods of deferment (H.R. 5801), E876 [18MY]

——— restore and extend the grace period before repayment begins on certain loans under the Federal Direct Loan Program (H.R. 4286), H2081 [25AP], E465 [28MR]

——— tribute to Pay as You Earn student loan repayment program, H6713 [12DE]

Dept. of HUD: Community Development Block Grant Program Loan Guarantee Program funding, H4108 [27JN]

——— prohibit funding for finalizing regulatory standards against the use of discriminatory disparate impact analysis in risk-based lending and insurance underwriting for housing, H4144–H4146 [27JN]

Dept. of Justice: legal activities, U.S. attorneys, and FBI financial and mortgage fraud enforcement activities funding through reductions in NASA funding, H2377, H2378 [8MY]

——— prohibit funding for a single or multi-State court settlement where funds are removed from any residential mortgage-backed securitization trust, H2503, H2504 [9MY]

District of Columbia: eliminate all federally imposed mandates over the local budget process, financial management, and the borrowing of money, H2022–H2024 [19AP], H4643–H4646 [29JN]

Economy: analysis of causes and potential remedies of current economic recession, H560–H563 [7FE], H675, H676 [9FE], H808 [16FE], H5134 [24JY], H5981 [13SE]

——— impact of unequal distribution of wealth and income, H4694 [10JY]

——— 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), H357 [1FE], H621 [8FE], H5232 [25JY], H6625 [5DE], H7518 [1JA]

Education: funding, H2116, H2120, H2121 [25AP]

——— restore fairness in education financing through student loan forgiveness, Federal student loan interest rate caps, and refinancing opportunities for private borrowers (H.R. 4170), H1291 [8MR], H2054 [24AP], H2117, H2118 [25AP]

——— student loans and financial aid programs funding, H68 [18JA]

FDIC: repeal orderly liquidation authority to prevent failure of large financial firms, H2610 [10MY]

FHA: ensure fiscal solvency of mortgage insurance programs (H.R. 4264), H5737–H5740 [10SE]

Financial institutions: exclude small lenders from certain Wall Street Reform and Consumer Protection Act regulations (H.R. 3336), H2095–H2099 [25AP], E667 [26AP], E696 [27AP]

——— Federal-State civil settlement resulting from probe of abusive foreclosure practices, H672–H675 [9FE]

——— Federal-State civil settlement resulting from probe of abusive foreclosure practices allowing for review and possible compensation for such foreclosures, H7478 [31DE]

——— focus Federal banking regulators on credit availability and provide insured depository institutions with certain authorities when calculating the institution’s capital (H.R. 6037), H4076 [27JN]

——— provide exception from requirement for annual privacy notices for financial institutions which do not share personal information with affiliates (H.R. 5817), H6580–H6584 [3DE], H6723, H6724 [12DE]

——— provide home loan modifications to eligible homeowners and assist homeowners and prospective homeowners with foreclosure prevention programs and information on loan modifications, H701 [14FE]

Financial Stability Oversight Council: strengthen review authority of regulations issued by Consumer Financial Protection Bureau (H.R. 1315), H516 [7FE]

FRS: move the Consumer Financial Protection Bureau into the Dept. of the Treasury, H2602 [10MY]

——— reform monetary policy to promote economic growth, H6219–H6224 [20SE]

Government regulations: exempt Fair Credit Reporting Act regulations to protect consumers from any regulatory freeze, H5268, H5269 [25JY]

——— exempt regulations on offshore bank account disclosure, middle income tax relief, invasive species, prescription drug safety, and foreclosure relief and predatory lending from regulatory freeze, H5318 [26JY]

Government-sponsored enterprises: prohibit bonuses for senior executives at Fannie Mae and Freddie Mac during the term of any conservatorship, E201 [15FE]

Lithonia, GA: tribute to HomeSafe Georgia Foreclosure Prevention Event, H6597 [4DE]

Maritime Administration: Maritime Guaranteed Loan Program funding, H4051 [26JN]

Mortgages: amend the definition of mortgage originator to include certain employees of a retailer of manufactured homes (H.R. 6694), E1987 [21DE]

——— 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 (H.R. 1498), H385 [2FE]

Obama, President: evaluation of policies relative to taxation and tax code, H2254–H2256 [27AP]

SBA: increase limitations on leverage for multiple licenses under common control (H.R. 6504), H6838–H6840 [18DE]

——— make permanent the Small Loan Advantage program (H.R. 3836), E84 [27JA]

——— provide for low interest loans for small businesses in major disaster areas (H.R. 3042), E1544 [14SE]

——— provide interest rate for certain disaster related loans (H.R. 6296), H6115–H6118 [19SE], E1544 [14SE]

SEC: exempt inter-affiliate swaps from certain regulatory requirements put in place under the Wall Street Reform and Consumer Protection Act (H.R. 2779), H1548–H1551 [26MR], E479 [28MR]

Small business: stimulate growth through accelerating Federal payments, reducing paperwork, improving access to loans and tax credits, and increasing investment expensing, E1229 [11JY]

Social Finance, Inc.: tribute, E1461 [10SE]

Taxation: exclude from gross income any discharge of indebtedness income on education loans of deceased veterans (H.R. 5044), H6101–H6104 [19SE]

——— extend exclusion from gross income of discharges of qualified principal residence indebtedness and provide exclusions from income for certain payments under the National Mortgage Settlement (H.R. 4290), E477 [28MR]

——— preserve deductions for mortgage interest and charitable donations, H5679 [2AU]

——— prevent further restriction of Federal income tax deduction for interest paid on debt secured by a first or second home (H. Res. 25), H5679 [2AU]

Remarks in Senate

Armed Forces: enhance protections accorded to servicemembers and their spouses relative to mortgages (S. 3179), S3175 [15MY]

——— improve protections for servicemembers against mortgage foreclosures (S. 3323), S4372 [20JN]

Bankruptcy: make privately issued student loans dischargeable, S7676 [6DE]

——— make privately issued student loans dischargeable (S. 1102), S2069 [27MR]

Colleges and universities: address increasing levels of student loan debt and default rates, S237 [1FE], S2068–S2070 [27MR], S2536–S2538 [19AP], S2992 [9MY], S7675 [6DE], S8021 [13DE]

——— encourage financial institutions to discontinue certain fees on debit and prepaid cards used to disburse student financial aid, S5199 [19JY]

——— improve efforts to make higher education more affordable, S2675 [25AP]

——— require private educational lenders to obtain certain certifications from institutions of higher education (S. 2280), S2254 [29MR], S5709 [31JY]

Consumers: address certain issues relative to the extension of consumer credit (S. 3426), S5490 [26JY]

Courts: settlement in class-action lawsuit filed by merchants against Visa, MasterCard, and financial institutions, S5961 [2AU]

Credit cards: prevent abuse of Government credit cards (S. 300), House amendment, S6672 [21SE]

Dept. of Agriculture: allow communities with rural development project loans to apply for certain other types of loans, S4281 [19JN]

——— establish a program to provide loans for local farms, ranches, and market gardens to improve public health and nutrition and reduce energy consumption, S4391 [21JN]

——— extend eligibility for certain emergency loans to commercial fisherman, S4280 [19JN]

——— prohibit loan guarantees, S4280 [19JN]

Dept. of Defense: extend enforcement authority of the Military Lending Act to certian Federal agencies, S7332 [3DE]

Dept. of the Treasury: manipulation of London Interbank Offered Rate (LIBOR) and refusal to provide administrative documentation to Congress, S6793 [14NO]

Dept. of Veterans Affairs: improve the Multifamily Transitional Housing Loan Program (S. 3348), S4682 [27JN]

Economy: impact of unequal distribution of wealth and income, S4658 [27JN]

Education: funding, S5943 [2AU], S6088–S6091 [11SE]

——— provide for loan forgiveness for early childhood educators (S. 2181), S1542 [8MR]

Executive departments: clarify application of mortgage disclosure requirements to certain executive branch employees, S246–S248 [1FE]

Eximbank: limit financing to transactions subsidized by other countries or for which private sector financing is unavailable or prohibitively expensive, S3148–S3150, S3156 [15MY]

FHA: ensure fiscal solvency of mortgage insurance programs (H.R. 4264), S8036 [13DE], S8641 [2JA]

——— establish a fund that allows responsible homeowners to refinance mortgages (S. 3047), S3044 [9MY]

Financial Guidance Center (organization): tribute, S33 [23JA]

Financial institutions: allegations of manipulation of London Interbank Offered Rate (LIBOR), S5959 [2AU]

——— establish a national consumer credit usury rate (S. 3452), S5489 [26JY]

——— Federal-State civil settlement resulting from probe of abusive foreclosure practices, S395 [9FE]

——— provide home loan modifications to eligible homeowners and assist homeowners and prospective homeowners with foreclosure prevention programs and information on loan modifications, S361 [7FE]

Financial Literacy Month: designate (S. Res. 409), S2184 [28MR], S2234 [29MR]

FRS: establish Bureau of Consumer Financial Protection, S5960 [2AU]

——— reform monetary policy to promote economic growth, S3247, S3248 [17MY]

Government regulations: promulgate regulations regarding debit and credit card interchange transaction fees, S3403–S3405 [22MY], S5960–S5962 [2AU]

Government-sponsored enterprises: increase in guarantee fees charged by Fannie Mae and Freddie Mac for mortgages acquired in certain States, S6519 [20SE]

——— prohibit bonuses for senior executives at Fannie Mae and Freddie Mac during the term of any conservatorship, S184–S186 [31JA], S304 [2FE]

Law enforcement: enhance punishment for identity theft and other violations of data privacy (S. 2111), S700, S803 [15FE], S805 [16FE]

Members of Congress: require public disclosure of the terms of home mortgages held by Members of Congress, S245–S248 [1FE], S302 [2FE]

Mortgages: provide for affordable refinancing of mortgages held by Fannie Mae and Freddie Mac (S. 3522), S6066 [10SE], S6075 [11SE]

——— require servicers to provide responses to mortgagors requesting residential mortgage loan refinancing (S. 3177), S3463 [23MY]

Obama, President: evaluation of tax policies, S3408 [22MY], S4998 [16JY], S5938–S5940 [2AU]

Office of the Comptroller of the Currency: establish pilot program to facilitate communication between borrowers and servicers (S. 3589), S6553 [20SE]

Privacy: prevent identity theft, ensure privacy, and enhance penalties, law enforcement, and protections against security breaches, fraudulent access, and misuse of personally identifiable information, S5914 [2AU]

——— 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), S66 [24JA]

——— protect consumers and businesses from identity theft and require notice of security breaches, S5716 [31JY]

——— 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, S1686 [15MR]

SBA: clarify collateral requirement for certain disaster-related loans (S. 3681), S8042 [13DE]

——— extend availability of low-interest mortgage refinancing under the local development business loan program (S. 2364), S2732 [25AP]

——— extend temporary program allowing refinancing of certain eligible fixed assets under the Certified Development Company/504 Loan Program, S4876 [11JY]

SEC: exempt inter-affiliate swaps from certain regulatory requirements put in place under the Wall Street Reform and Consumer Protection Act (H.R. 2779), S2113 [27MR], S2115 [28MR]

Securities: comprehensively regulate derivatives markets to increase transparency and reduce risks in the financial system, S3403 [22MY]

South Dakota: anniversary of Services Center Federal Credit Union, S6264 [12SE]

Taxation: extend certain expiring provisions of the Internal Revenue Code (S. 3521), S6289 [13SE], S6393 [19SE], S7652 [6DE]

——— extend certain expiring provisions of the Internal Revenue Code (S. 3521), motion to proceed, S6260 [12SE]

——— extend certain expiring provisions of the Internal Revenue Code (S. 3521), unanimous-consent request, S6419 [19SE]

——— prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt (S. 2250), S3463 [23MY]

Wall Street Reform and Consumer Protection Act: technical corrections (S. 3713), S8507 [28DE]

Reports filed

Consumer Rental Purchase Agreement Act: Committee on Financial Services (House) (H.R. 1588) (H. Rept. 112–565), H4654 [29JN]

Family and Business Tax Cut Certainty Act: Committee on Finance (Senate) (S. 3521) (S. Rept. 112–208), S6062 [10SE]

FHA Emergency Fiscal Solvency Act: Committee on Financial Services (House) (H.R. 4264) (H. Rept. 112–544), H3914 [20JN]

Government Charge Card Abuse Prevention Act: Committee on Oversight and Government Reform (House) (S. 300) (H. Rept. 112–376), H186 [27JA]

SEC Exemption of Inter-Affiliate Swaps From Certain Regulatory Requirements Put in Place Under the Wall Street Reform and Consumer Protection Act: Committee on Agriculture (House) (H.R. 2779) (H. Rept. 112–344), H639 [8FE]

Small Business Credit Availability Act: Committee on Agriculture (House) (H.R. 3336) (H. Rept. 112–390), H639 [8FE]

Statements

Small Banks’ Regulatory Burdens: Adam Levitin, Georgetown University Law School, H6582 [3DE]

Texts of

H.R. 2779, exempt inter-affiliate swaps from certain SEC regulatory requirements put in place under the Wall Street Reform and Consumer Protection Act, H1548 [26MR]

H.R. 3336, Small Business Credit Availability Act, H2095 [25AP]

H.R. 4264, FHA Emergency Fiscal Solvency Act, H5737–H5739 [10SE]

H.R. 5044, exclude from gross income any discharge of indebtedness income on education loans of deceased veterans, H6101 [19SE]

H.R. 5817, Eliminate Privacy Notice Confusion Act, H6580 [3DE], H6723 [12DE]

H.R. 6296, Disaster Loan Fairness Act, H6115 [19SE]

H.R. 6504, Small Business Investment Company Modernization Act, H6838 [18DE]

S. 300, Government Charge Card Abuse Prevention Act, H5411 [31JY]

S. 2111, Cyber Crime Protection Security Act, S701 [15FE]

S. 2280, Know Before You Owe Private Student Loan Act, S2255 [29MR]

S. 3348, Dept. of Veterans Affairs Multifamily Transitional Housing Loan Program improvement, S4682 [27JN]

S. 3452, Protecting Consumers From Unreasonable Credit Rates Act, S5490 [26JY]

S. 3681, clarify SBA collateral requirement for certain disaster-related loans, S8043 [13DE]

S. Res. 409, Financial Literacy Month, S2171, S2184 [28MR]