CREDIT see also Consumers

Amendments

Dept. of Education: allow certain student loan borrowers to refinance current loans (S. 2432), S3550 [10JN]

——— revise counseling requirements for certain student loan borrowers (H.R. 4984), H6761, H6763, H6765, H6766, H6767 [24JY]

——— revise counseling requirements for certain student loan borrowers (H.R. 4984), consideration (H. Res. 677), H6679 [23JY]

Financial Stability Oversight Council: strengthen review authority of regulations issued by Consumer Financial Protection Bureau (H.R. 3193), H2037, H2039, H2040, H2041 [27FE]

——— strengthen review authority of regulations issued by Consumer Financial Protection Bureau (H.R. 3193), consideration (H. Res. 475), H1738 [11FE]

Taxation: extend certain expiring provisions of the Internal Revenue Code and make technical corrections (H.R. 5771), S6454 [9DE], S6791, S6792 [12DE], S6924 [16DE]

——— extend certain expiring provisions of the Internal Revenue Code (S. 2260), S3087, S3088 [15MY]

Articles and editorials

Fed’s $4 Trillion in Assets Draw Lawmakers’ Scrutiny, S58 [7JA]

It’s Okay To Lend Outside QM—CFPB Director Richard Cordray, H2043 [27FE]

Bills and resolutions

Armed Forces: allow credit reporting agencies to notify active servicemembers when an adverse action is posted on their credit report (see S. 2456), S3544 [10JN] (see H.R. 4672), H4475 [19MY]

——— allow members to defer principal on Federal student loans for a certain period in connection with orders for mobilization for war or national emergency (see H.R. 4560), H3408 [1MY]

——— enhance mortgage, mortgage foreclosure, and eviction protections (see S. 2404), S3294 [22MY] (see S. 3008), S6627 [11DE]

——— extend mortgage, mortgage foreclosure, and eviction protections (see H.R. 5731), H8071 [18NO] (see H.R. 5798), H8668 [4DE]

——— make nine month mortgage, mortgage foreclosure, and eviction protections permanent (see H.R. 5730), H8071 [18NO]

——— protect servicemembers in higher education by providing better information, reduced interest rates, and improved services relative to student loans, and providing campus support (see S. 2448), S3475 [5JN]

Bankruptcy: provide protections for medically distressed debtors (see S. 2471), S3668 [12JN] (see H.R. 4917), H5557 [19JN]

——— stop abusive student loan collection practices in bankruptcy cases (see H.R. 4835), H5318 [11JN]

Children and youth: create protected credit reports for minors, protect the credit of minors, and protect minors from identity theft (see H.R. 5843), H9044 [10DE]

Colleges and universities: increase amount of loan forgiveness for which teachers in teacher shortage areas are eligible (see H.R. 5275), H7125 [30JY]

Consumers: enhance accuracy, ensure consumers receive information, improve transparency of agencies, and provide a means to dispute errors relative to credit reporting (see S. 2224), S2326 [9AP]

——— establish a national usury rate for consumer credit transactions (see H.R. 5130), H6397 [17JY]

——— preclude law firms and licensed attorneys from the definition of a debt collector when taking certain actions (see S. 2328), S2953 [13MY]

——— provide debit cardholders with consumer protections equivalent to those available to credit cardholders (see S. 2200), S2095 [2AP]

——— 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. 3909), H1241 [16JA]

——— require public disclosure of method used to calculate consumer credit scores and inclusion of debt settlement agreements in consumer reports (see H.R. 5479), H7617 [16SE]

Courts: prohibit from making an award of costs to a defendant except on a finding that an action was brought in bad faith relative to debt collection (see H.R. 4624), H4057 [9MY]

Credit Repair Organizations Act: exempt certain consumer reporting agencies (see H.R. 5446), H7433 [10SE]

Credit unions: exclude extensions of credit made to veterans from the definition of a member business loan (see H.R. 5061), H6105 [10JY]

Dept. of Agriculture: extend the term of marketing assistance loans in cases in which a purchaser has bought the loan commodity subject to the loan and declared bankruptcy prior to paying for the loan commodity (see S. 2815), S5628 [16SE] (see H.R. 5542), H7882 [18SE]

Dept. of Education: allow adjunct faculty members to qualify for public service loan forgiveness (see S. 2712), S5135 [30JY]

——— allow certain student loan borrowers to refinance current loans (see S. 2292), S2718 [6MY] (see S. 2432), S3424 [4JN] (see H.R. 4582), H3446 [6MY] (see H.R. 4622), H4057 [9MY]

——— amend adverse credit history determinations for purposes of Federal Direct PLUS Loan eligibility (see H.R. 4480), H3196 [10AP]

——— clarify cancellation of loans of Armed Forces members under the Federal Perkins Loan Program (see H.R. 4232), H2432 [13MR]

——— clarify that a closure of a branch or campus of an institution of higher education may qualify a borrower for loan discharge under the Higher Education Act (see H.R. 4860), H5363 [12JN]

——— complete a data analysis on the impact of the proposed gainful employment rule prior to finalizing such rule (see S. 2863), S5782 [18SE] (see H.R. 4897), H5494 [18JN]

——— eliminate origination fees for Federal Direct Loan Program (see H.R. 5577), H7884 [18SE]

——— establish a simplified income-driven student loan repayment plan, new and notification about repayment options, and loan forgiveness for the total and permanently disabled (see S. 2812), S5628 [16SE]

——— establish grant program for undergraduate students with financial need to assist such students in completing degrees at institutions of higher education (see H.R. 5560), H7883 [18SE]

——— extend eligibility for Federal student loans to certain short-term career and technical education programs (see S. 2795), S5564 [11SE]

——— improve determination of cohort default rates, provide for enhanced civil penalties, and establish institutional risk-sharing commission (see S. 2993), S6540 [10DE]

——— increase income allowance for working students receiving need-based Federal financial aid (see S. 2796), S5564 [11SE]

——— increase students’ and borrowers’ access to student loan information within the National Student Loan Data System and encourage improved outreach and communication with borrowers (see S. 2107), S1519 [11MR]

——— make technical improvements to the Net Price Calculator system to give prospective students a more accurate understanding of the true cost of college (see S. 2281), S2614 [1MY]

——— modify grace period prior to repayment period for certain Federal direct student loans and exclude certain employer-provided student loan assistance from Federal income tax (see H.R. 5399), H7241 [1AU]

——— provide borrowers of Federal Family Education Loans with repayment terms available to borrowers of Federal Direct Loans (see H.R. 5596), H7884 [18SE]

——— provide for a percentage of student loan forgiveness for public service employment (see S. 2826), S5628 [16SE]

——— provide for institutional risk sharing in the Federal student loan programs (see H.R. 5565), H7883 [18SE]

——— provide student loan eligibility for mid-career, part-time students (see H.R. 4832), H5248 [10JN]

——— provide student loan forgiveness for American Indian educators teaching in local educational agencies with a high percentage of American Indian students (see S. 2458), S3544 [10JN] (see H.R. 5370), H7183 [31JY]

——— require certain information be included in loan disclosure statements prior to disbursement (see H.R. 5151), H6398 [17JY]

——— revise counseling requirements for certain student loan borrowers (see S. 2459), S3544 [10JN] (see H.R. 4984), H5817 [26JN]

——— revise counseling requirements for certain student loan borrowers (H.R. 4984), consideration (see H. Res. 677), H6654 [22JY]

——— simplify and improve Federal Direct Loan Program through income-contingent repayment to protect borrowers and encourage responsible borrowing (see S. 2612), S4557 [16JY]

——— verify eligibility of certain borrowers on loans submitted to a guaranty agency for default aversion or already in default before such borrowers obtain a consolidation loan (see H.R. 4579), H3446 [6MY]

Dept. of HUD: authorize use of multifamily housing subject to a mortgage insured under the National Housing Act as workforce residential housing (see S. 2893), S5783 [18SE]

——— discount FHA single-family mortgage insurance premium payments for first-time homebuyers who complete financial literacy housing counseling program (see H.R. 4462), H3196 [10AP]

——— provide amounts from the recent settlement between the Dept. of Justice and Bank of America Corp., to the Neighborhood Stabilization Program (see H.R. 5601), H7884 [18SE]

Dept. of the Treasury: reauthorize the State Small Business Credit Initiative (see S. 2285), S2614 [1MY] (see H.R. 4556), H3407 [1MY]

Dept. of Veterans Affairs: provide for the repayment of higher education loans for departmental health care professionals (see H.R. 4974), H5768 [25JN]

Education: require additional disclosures and protections for students and cosigners relative to student loans (see S. 2460), S3544 [10JN]

——— require certain protections for student loan borrowers and provide reasonable and flexible repayment options, access to earned credentials, and loan cancellation in exchange for public service (see H.R. 3892), H472 [15JA]

Executive Office of the President: negotiate extradition treaties to combat more effectively international cybercriminals (see S. Res. 563), S5783 [18SE]

Families and domestic relations: clarify ability to use consumer reports in certain cases to establish and enforce child support payments (see H.R. 5452), H7454 [11SE]

Federal Housing Finance Agency: establish a moratorium on foreclosure of mortgages guaranteed by Fannie Mae or Freddie Mac on homes of individuals who have lost their unemployment benefits (see H.R. 4255), H2484 [14MR]

——— prohibit reduction or limitation of multifamily housing business of Fannie Mae and Freddie Mac (see H.R. 5495), H7617 [16SE]

FHA: ensure stability in maximum mortgage amount limitations for areas experiencing decreases in median home prices (see H.R. 4208), H2360 [12MR]

Financial institutions: clarify application of certain leverage and risk-based requirements and improve definitions of points and fees for mortgage transactions (see H.R. 5461), H7528 [15SE]

——— establish the prudential regulator of community and independent depository institutions as the conduit and arbiter of all Federal financial oversight, examination, and reporting (see S. 2242), S2378 [10AP]

——— exclude credit union loans secured by certain non-owner occupied family dwellings from the definition of member business loan (see H.R. 4226), H2432 [13MR]

——— exempt community banks from certain regulatory requirements, include a community bank representative in the FRS Board of Governors, and create a process to designate a county as a rural area (see H.R. 5786), H8365 [3DE]

——— modify exemptions for small creditors and mortgage loan servicers (see H.R. 4521), H3363 [30AP]

——— provide access to information and loan modification for successors in interest (see H.R. 5553), H7882 [18SE]

——— provide greater fee disclosures for consumers who have prepaid cards (see S. 1903), S223 [9JA]

——— provide that residential mortgages held in portfolio qualify as qualified mortgages for purposes of presumption of ability to repay requirements (see S. 2641), S4705 [22JY]

——— require a study of appropriate capital requirements for mortgage servicing assets for nonsystemic banking institutions (see H.R. 4042), H1769 [11FE]

——— 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. 5310), H7181 [31JY]

——— strengthen certain disclosure requirements for creditors (see H.R. 5639), H7886 [18SE]

Financial literacy: encourage greater public-private sector collaboration to promote for students and young adults (see H. Res. 721), H7454 [11SE]

Financial Literacy Month: designate (see S. Res. 423), S2406 [11AP]

——— support goals and ideals (see H. Res. 535), H2853 [2AP]

Financial Stability Oversight Council: strengthen review authority of regulations issued by Consumer Financial Protection Bureau (see S. 2212), S2161 [3AP]

——— strengthen review authority of regulations issued by Consumer Financial Protection Bureau (H.R. 3193), consideration (see H. Res. 475), H1718 [10FE]

FRS: establish an advisory opinion process for the Consumer Financial Protection Bureau (see H.R. 4662), H4434 [15MY]

——— nullify certain guidance by the Consumer Financial Protection Bureau and provide requirements for guidance issued by the Bureau relative to indirect auto lending (see H.R. 5403), H7295 [8SE]

——— provide for a notice and comment period before the Consumer Financial Protection Bureau issues guidance (see H.R. 4684), H4684 [20MY] (see H.R. 4811), H5185 [9JN]

——— provide requirements that must be followed by the Consumer Financial Protection Bureau when carrying out certain examinations (see H.R. 4804), H5072 [5JN]

——— replace the Director of the Consumer Financial Protection Bureau with a 5-person commission (see S. 2213), S2161 [3AP]

——— require creation of a consumer opt-out list for collected data by, free credit monitoring by, and a Senate confirmed Director of, the Consumer Financial Protection Bureau and improve security of collected data (see H.R. 4604), H3940 [7MY]

Higher Education Act: reauthorize (see S. 2954), S6204 [20NO]

Housing: ensure that certain multifamily housing mortgage purchases by Fannie Mae and Freddie Mac increase or preserve the number of dwelling units affordable to low-income families (see H.R. 4791), H5063 [30MY]

——— modify premium charges and dollar amount limit on loans financing alterations, repairs, and improvements to, or conversion of, existing structures, including energy efficiency home improvements (see H.R. 5506), H7674 [17SE]

——— reform the housing finance system (see H.R. 5055), H6105 [10JY]

Inland Waterways Trust Fund: revise financing rate (see S. 2955), S6204 [20NO]

Mortgages: allow homeowners facing mortgage foreclosure to avoid deficiency judgments (see H.R. 4334), H2744 [27MR]

——— establish programs to encourage use of shared equity mortgage modifications (see S. 2854), S5782 [18SE]

——— exempt certain high-risk mortgages from property appraisal requirements and exempt individuals from penalties for failure to report certain appraisers (see H.R. 5148), H6398 [17JY]

——— exempt small mortgage originators from certain licensing requirements and debt-to-income requirements for qualified mortgages (see H.R. 5667), H7887 [18SE]

——— limit investor and homeowner losses in foreclosures (see H.R. 4596), H3939 [7MY]

——— 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 H.R. 4615), H4015 [8MY]

——— 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. 5496), H7617 [16SE]

——— require servicers to establish a deed-for-lease program under which eligible mortgagors may remain in their homes as renters (see H.R. 5396), H7240 [1AU]

Privacy: 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. 1897), S132 [8JA] (see H.R. 3990), H1592 [4FE]

——— protect consumers and businesses from identity theft and require notice of security breaches (see S. 1927), S372 [15JA]

——— protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information and require data breach notification (see S. 1976), S655 [30JA] (see H.R. 4400), H2961 [4AP]

——— 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. 1995), S763 [4FE]

Proprietary Education Oversight Coordination Committee: establish (see S. 2204), S2161 [3AP] (see H.R. 4391), H2913 [3AP]

Real estate: allow State and local financing of energy and water efficiency and renewable energy modifications to privately-owned property through Property Assessed Clean Energy (PACE) programs (see H.R. 4285), H2610 [24MR]

——— provide protections to borrowers (see H.R. 4963), H5767 [25JN]

SBA: clarify that the use of electronic signatures and records in loan and related financing programs is permitted (see H.R. 5599), H7884 [18SE]

——— make permanent and reauthorize the Intermediary Lending Pilot Program (see S. 2637), S4705 [22JY]

——— reauthorize women’s business center program (see S. 2693), S5134 [30JY] (see H.R. 5584), H7884 [18SE]

Small business: increase lending to small businesses (see H.R. 4652), H4059 [9MY]

States: empower States to set the maximum annual percentage rates applicable to consumer credit transactions (see H.R. 4183), H2256 [6MR]

Student loans: establish requirements for treatment of a private education loan upon the death or bankruptcy of a cosigner of the loans (see H.R. 4511), H3291 [29AP] (see H.R. 4643), H4058 [9MY]

——— prohibit private educational lenders from requiring accelerated repayment of private education loans upon the death or disability of the cosigner of the loan (see H.R. 4513), H3291 [29AP]

Taxation: allow certain discharged student loan debt to be included in gross income ratably over a certain number of years and disregard such income in determining eligibility for Federal means-tested programs (see H.R. 4020), H1686 [6FE]

——— eliminate marriage penalty in the dollar limitation on the student loan interest deduction (see H.R. 5508), H7674 [17SE]

——— exclude from gross income any discharge of consumer indebtedness (see H.R. 5637), H7886 [18SE]

——— exclude from gross income any discharge of student loan indebtedness (see H.R. 5239), H7039 [29JY]

——— exclude from gross income student loan forgiveness for students in income-based or income-contingent repayment programs who have completed payment obligations (see S. 2878), S5782 [18SE]

——— extend certain expiring provisions of the Internal Revenue Code (see S. 2260), S2424 [28AP]

——— extend certain expiring provisions of the Internal Revenue Code and make technical corrections (see H.R. 5771), H8225 [1DE]

——— extend certain expiring provisions of the Internal Revenue Code and make technical corrections (H.R. 5771), consideration (see H. Res. 766), H8272 [2DE]

——— extend certain expiring provisions of the Internal Revenue Code and make technical corrections (H.R. 5771), correction in enrollment (see H. Con. Res. 124), H9044 [10DE]

——— extend deduction for mortgage insurance premiums (see H.R. 3941), H1479 [28JA] (see H.R. 3995), H1658 [5FE]

——— extend exclusion for employer-provided educational assistance to employer payment of interest on certain refinanced student loans (see S. 2429), S3424 [4JN] (see H.R. 5578), H7884 [18SE]

——— extend exclusion from gross income of discharges of qualified principal residence indebtedness (see H.R. 3856), H183 [13JA]

——— 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. 4062), H1776 [14FE]

——— make permanent the deduction for mortgage insurance premiums (see H.R. 4845), H5318 [11JN]

——— make permanent the exclusion from gross income of discharges of qualified principal residence indebtedness (see H.R. 5785), H8365 [3DE]

Cloture motions

Dept. of Education: allow certain student loan borrowers to refinance current loans (S. 2432), motion to proceed, S3491 [9JN], S3557 [11JN]

Cost Estimates

Expiring Provisions Improvement, Reform, and Efficiency (EXPIRE) Act (S. 2260): CBO, S2559 [30AP]

Letters

Clarify application of certain leverage and risk-based requirements and improve definitions of points and fees for mortgage transactions: several trade associations, H7513 [15SE]

Expiring Provisions Improvement, Reform, and Efficiency (EXPIRE) Act: several organizations, S3196 [21MY]

Mortgage Choice Act: Hilary O. Shelton, NAACP, E984 [13JN]

——— Kenneth W. Edwards, Center for Responsible Lending (organization), E984 [13JN]

——— several housing and consumer organizations, E984 [13JN]

Prohibit Dept. of Justice funding to prosecute discrimination cases that utilize disparate impact analysis in risk-based lending and insurance underwriting for housing: several banking organizations, H5000 [29MY]

——— several insurance trade organizations, H5001 [29MY]

Motions

Dept. of Education: allow certain student loan borrowers to refinance current loans (S. 2432), S3481 [9JN], S3511 [10JN], S5531 [11SE], S5573 [15SE], S5595 [16SE]

——— revise counseling requirements for certain student loan borrowers (H.R. 4984), H6776 [24JY]

Financial Stability Oversight Council: strengthen review authority of regulations issued by Consumer Financial Protection Bureau (H.R. 3193), H2052 [27FE]

Taxation: extend certain expiring provisions of the Internal Revenue Code and make technical corrections (H.R. 5771), S6823 [15DE], S6869 [16DE], H8341 [3DE]

——— extend certain expiring provisions of the Internal Revenue Code (S. 2260), S2763 [7MY]

Press releases

Response to CoreLogic Analysis of Qualified Mortgage (QM) Standards: Center for Responsible Lending (organization), H2042 [27FE]

Remarks in House

Armed Forces: enhance mortgage, mortgage foreclosure, and eviction protections (S. 3008), H10314 [12DE]

——— extend mortgage, mortgage foreclosure, and eviction protections (H.R. 5798), E1741 [4DE]

Colleges and universities: affordability, H6671 [23JY]

——— require private educational lenders to obtain certain certifications from institutions of higher education, H6674 [23JY]

Credit unions: tribute to achieving nationwide milestone membership, E1498 [19SE]

Dept. of Commerce: anniversary of Minority Business Development Agency, E313 [5MR]

Dept. of Defense: develop and implement financial literacy training program for incoming and transitioning servicemembers to prevent targeting by predatory lenders, H4745 [21MY], H5452, H5453 [18JN]

Dept. of Education: allow certain student loan borrowers to refinance current loans, H6675, H6688, H6700, H6701 [23JY], H7661 [17SE]

——— allow certain student loan borrowers to refinance current loans (H.R. 4582), H3948 [8MY], H5262 [11JN], H7061 [30JY], H7689 [18SE]

——— allow certain student loan borrowers to refinance current loans (H.R. 4582), unanimous-consent request, H7063 [30JY]

——— allow certain student loan borrowers to refinance current loans (H.R. 4622), H7851 [18SE]

——— allow certain student loan borrowers to refinance current loans (S. 2292), H5194 [10JN]

——— clarify that a closure of a branch or campus of an institution of higher education may qualify a borrower for loan discharge under the Higher Education Act (H.R. 4860), H5735 [25JN], E979 [12JN]

——— Executive order expanding the Pay As You Earn Repayment Plan for student loans, H5371 [17JN]

——— include in revised counseling requirements for certain student loan borrowers information regarding how Federal and private student loans are treated in bankruptcy, H6766 [24JY]

——— include in revised counseling requirements for certain student loan borrowers information regarding the impact of delinquency or default on a loan on their credit score, H6767 [24JY]

——— include in revised counseling requirements information for transfer students on their maximum Pell Grant eligibility and the effect of non-transferable course credits on eligibility, H6765, H6766 [24JY]

——— include in revised counseling requirements information regarding the national average default rate and the institutions’s average default rate for certain student loan borrowers, H6767 [24JY]

——— include recent average income and employment data in revised counseling requirements for certain student loan borrowers, H6765 [24JY]

——— make technical improvements to the Net Price Calculator system to give prospective students a more accurate understanding of the true cost of college, H6683 [23JY]

——— notify students of financial management resources provided by the Financial Literacy and Education Commission, H6764 [24JY]

——— protect students from higher education costs and increased student loan interest rates, H1702 [10FE], H1947 [26FE], H5195 [10JN]

——— require student loan borrowers be advised on monthly payment amounts if they were permitted to refinance their loans, H6776, H6777 [24JY]

——— revise counseling requirements for certain student loan borrowers (H.R. 4984), H6634 [22JY], H6688 [23JY], H6753, H6758–H6767, H6775–H6778 [24JY], E1231 [24JY]

——— revise counseling requirements for certain student loan borrowers (H.R. 4984), consideration (H. Res. 677), H6672–H6679 [23JY]

——— revise counseling requirements for certain student loan borrowers (H.R. 4984), motion to recommit, H6776, H6777 [24JY]

——— simplify and improve Federal Direct Loan Program through income-contingent repayment to protect borrowers and encourage responsible borrowing (H.R. 1716), H6673, H6674 [23JY]

——— study effectiveness of student loan counseling, improve information provided first-time borrowers, and clarify time frame for loan acceptance after completion of counseling requirements, H6763 [24JY]

——— submit report to Congress on needs of limited English proficient students using the Free Application for Federal Student Aid (FAFSA), E1228 [24JY]

Dept. of HUD: affordable rental housing for extremely low-income families funding by improving targeting of mortgage interest deduction, H5225 [10JN]

——— discount FHA single-family mortgage insurance premium payments for first-time homebuyers who complete financial literacy housing counseling program (H.R. 4462), E570 [10AP]

——— prohibit Distressed Asset Stabilization Program funding to pay FHA mortgage insurance claims unless loans are compliant with loss mitigation requirements, H5226 [10JN]

——— prohibit funding to provide mortgage insurance for a principal residence of a mortgagor who provides only an individual taxpayer identification number, H5225 [10JN]

Dept. of Justice: prohibit funding to prosecute discrimination cases that utilize disparate impact analysis in risk-based lending and insurance underwriting for housing, H5000, H5001 [29MY]

Dept. of the Treasury: provide higher education loan borrowers with table to compare savings on interest rates, H6789, H6790 [24JY]

District of Columbia: eliminate all federally imposed mandates over the local budget process, financial management, and the borrowing of money, H5356 [12JN]

Education: increase transparency in Federal budgeting to modify risk assessment in Federal student loan programs, H2968, H2969 [7AP]

Federal Credit Union Act: anniversary, E1059 [24JN]

Federal Housing Finance Agency: establish a moratorium on foreclosure of mortgages guaranteed by Fannie Mae or Freddie Mac on homes of individuals who have lost their unemployment benefits (H.R. 4255), H2309 [12MR], H2411 [13MR], H2950 [4AP]

FHA: increase transparency in Federal budgeting to modify risk assessment in mortgage insurance programs, H2968, H2969, H2972 [7AP]

Financial institutions: clarify application of certain leverage and risk-based requirements and improve definitions of points and fees for mortgage transactions (H.R. 5461), H7508–H7515 [15SE], E1423 [16SE], E1469 [19SE]

Financial Stability Oversight Council: require Consumer Financial Protection Bureau to analyze impact of proposed rules on financial industry and consumer and small business access to credit, H2039, H2040 [27FE]

——— strengthen review authority of regulations issued by Consumer Financial Protection Bureau (H.R. 3193), H1681 [6FE], H1728 [11FE], H1947 [26FE], H2028–H2043, H2050–H2055 [27FE]

——— strengthen review authority of regulations issued by Consumer Financial Protection Bureau (H.R. 3193), consideration (H. Res. 475), H1731–H1739 [11FE]

——— strengthen review authority of regulations issued by Consumer Financial Protection Bureau (H.R. 3193), motion to recommit, H2052, H2053 [27FE]

Florida Business Development Corp.: tribute, E240 [25FE]

FRS: acknowledge and honor work of Consumer Financial Protection Bureau in providing protection and relief to consumers from unfair, deceptive, and abusive practices in financial markets, H2042, H2043 [27FE]

——— proposed Consumer Financial Protection Bureau mortgage regulations, H30 [8JA], H2042, H2043 [27FE]

——— reform monetary policy to promote goals of maximum employment, stable prices, and moderate long-term interest rates, H5358–H5361 [12JN]

——— repeal Consumer Financial Protection Bureau exclusive rulemaking authority and restore judicial review, H2029, H2040, H2041 [27FE]

House of Representatives: legislative priorities, H4843 [28MY]

Houston Community College: opening of Minority Business Development Agency Business Center, E313 [5MR]

Mortgages: improve definitions of points and fees in connection with a mortgage transaction, H7510–H7512 [15SE], E1469 [19SE]

——— improve definitions of points and fees in connection with a mortgage transaction (H.R. 3211), H5137, H5138 [9JN], E983 [13JN]

——— 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 (H.R. 2733), H1917 [25FE]

National objectives: modify tax benefits for insourcing and outsourcing expenses of corporations, and rules relative to inverted corporations, and provide for consideration of middle class jumpstart agenda, H7856, H7857 [18SE]

Rhode Island Housing (organization): tribute, H5733 [25JN]

Taxation: extend certain expiring provisions of the Internal Revenue Code, H7984 [14NO], E1024 [19JN]

——— extend certain expiring provisions of the Internal Revenue Code and make technical corrections (H.R. 5771), H8323–H8343 [3DE], H8872 [9DE], E1734, E1737, E1745 [4DE]

——— extend certain expiring provisions of the Internal Revenue Code and make technical corrections (H.R. 5771), consideration (H. Res. 766), H8305–H8310 [3DE]

——— extend certain expiring provisions of the Internal Revenue Code and make technical corrections (H.R. 5771), correction in enrollment (H. Con. Res. 124), H8998 [10DE]

——— extend certain expiring provisions of the Internal Revenue Code and make technical corrections (H.R. 5771), motion to recommit, H8341, H8342 [3DE]

——— extend certain expiring provisions of the Internal Revenue Code (S. 2260), H3963 [8MY]

——— 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. 4062), E216 [14FE]

——— provide for comprehensive tax reform (H.R. 1), E1800 [12DE]

Remarks in Senate

Adrian College: tribute to new student loan repayment program, S3419 [4JN]

Armed Forces: enhance mortgage, mortgage foreclosure, and eviction protections (S. 3008), S6697 [11DE]

Colleges and universities: affordability, S3164, S3165 [20MY], S5388 [9SE]

——— establish a mechanism to allow borrowers of private education loans to refinance their loans (S. 1266), S2777 [7MY]

——— require private educational lenders to obtain certain certifications from institutions of higher education (S. 113), S3596 [11JN]

Congress: legislative priorities, S5159 [31JY], S5349 [8SE]

Dept. of Education: add disclosure requirements to the institution of higher education financial aid offer form and make such form mandatory (S. 1156), S2776 [7MY]

——— allow adjunct faculty members to qualify for public service loan forgiveness (S. 2712), S5145 [30JY]

——— allow certain student loan borrowers to refinance current loans (S. 1066), S922 [12FE]

——— allow certain student loan borrowers to refinance current loans (S. 2292), S2720 [6MY], S2768, S2775–S2785 [7MY], S2894 [12MY], S3011 [14MY], S3165 [20MY], S3357 [3JN]

——— allow certain student loan borrowers to refinance current loans (S. 2432), S3404–S3408, S3428, S3430 [4JN], S3433 [5JN], S5388, S5400, S5401 [9SE], S5480 [10SE], S5527, S5528, S5538 [11SE]

——— allow certain student loan borrowers to refinance current loans (S. 2432), motion to proceed, S3481–S3487, S3491, S3492 [9JN], S3511, S3512, S3515–S3520, S3524, S3527–S3535 [10JN], S3554–S3557, S3561–S3564, S3577–S3579, S3596, S3599 [11JN], S3637–S3641, S3649 [12JN], S3905 [24JN], S5531 [11SE], S5573 [15SE], S5595, S5599, S5608–S5614 [16SE], S5725 [18SE]

——— allow certain student loan borrowers to refinance current loans (S. 2432), unanimous-consent request, S5613, S5614 [16SE]

——— Executive order expanding the Pay As You Earn Repayment Plan for student loans, S3596 [11JN]

——— impact on State student loan programs of allowing certain student loan borrowers to refinance current loans, S3638 [12JN]

——— make Federal student loans more affordable, S2700 [6MY], S2760 [7MY], S3419 [4JN]

——— make Federal student loans more affordable by allowing for adjustable-rate loans, increasing cap on subsidized loans, and refinancing current fixed-rate loans (S. 909), S2778 [7MY]

——— make technical improvements to the Net Price Calculator system to give prospective students a more accurate understanding of the true cost of college (S. 2281), S2776 [7MY]

——— provide for institutional risk sharing in the Federal student loan programs (S. 1873), S2779, S2780 [7MY], S3165 [20MY]

——— provide funds for student loans through the FRS and ensure that such loans are available at interest rates equivalent to that at which the Government provides loans to banks (S. 897), S3407 [4JN]

Education: require certain protections for student loan borrowers (S. 1803), S921–S924 [12FE], S2778, S2780 [7MY], S3165 [20MY]

Financial institutions: provide that residential mortgages held in portfolio qualify as qualified mortgages for purposes of presumption of ability to repay requirements (S. 2641), S4708 [22JY]

Financial Literacy Month: designate (S. Res. 423), S2408 [11AP]

FRS: proposed Consumer Financial Protection Bureau mortgage regulations, S57 [7JA]

——— reform monetary policy to promote economic growth and minimize risk, S12 [6JA], S59, S66 [7JA]

Higher Education Act: reauthorize, S3482 [9JN]

——— reauthorize (S. 2954), S6207 [20NO]

Inland Waterways Trust Fund: revise financing rate (S. 2955), S6290 [3DE]

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. 1897), S100, S134 [8JA]

——— protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information and require data breach notification (S. 1976), S656 [30JA]

SBA: make permanent and reauthorize the Intermediary Lending Pilot Program (S. 2637), S4707 [22JY]

——— reauthorize women’s business center program (S. 2693), S5138 [30JY], S6440 [9DE]

Taxation: extend certain expiring provisions of the Internal Revenue Code, S2925, S2927–S2930 [13MY], S2984–S2986, S2999–S3007, S3013, S3016, S3018–S3020 [14MY], S3050–S3056, S3059–S3063 [15MY], S3153 [20MY], S3196, S3221 [21MY], S3245–S3249 [22MY], S3350 [3JN], S6173 [20NO]

——— extend certain expiring provisions of the Internal Revenue Code and make technical corrections, S6254 [2DE]

——— extend certain expiring provisions of the Internal Revenue Code and make technical corrections (H.R. 5771), S6281 [3DE], S6336–S6339 [4DE], S6396 [8DE], S6400, S6439 [9DE], S6506 [10DE], S6887, S6898–S6903, S6911 [16DE]

——— extend certain expiring provisions of the Internal Revenue Code and make technical corrections (H.R. 5771), correction in enrollment (H. Con. Res. 124), S6903 [16DE]

——— extend certain expiring provisions of the Internal Revenue Code and make technical corrections (H.R. 5771), motion to proceed, S6823, S6832, S6833, S6836 [15DE], S6869 [16DE]

——— extend certain expiring provisions of the Internal Revenue Code and make technical corrections (H.R. 5771), unanimous-consent agreement, S6898 [16DE]

——— extend certain expiring provisions of the Internal Revenue Code and make technical corrections (H.R. 5771), unanimous-consent request, S6739 [12DE]

——— extend certain expiring provisions of the Internal Revenue Code (S. 2260), S2559 [30AP], S3650 [12JN], S4291 [9JY], S6248–S6250 [2DE], S6282 [3DE], S6336 [4DE], S6506–S6508 [10DE], S6898, S6901, S6902 [16DE]

——— extend certain expiring provisions of the Internal Revenue Code (S. 2260), motion to proceed, S2763 [7MY]

——— prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt, S2925 [13MY], S3017 [14MY]

Veterans: allow consolidation of student loans or participation in student loan forgiveness without penalty, S1035 [25FE]

Reports filed

Consideration of H.R. 3136, Advanced Competency-Based Education Demonstration Project Act and H.R. 4984, Empowering Students Through Enhanced Financial Counseling Act: Committee on Rules (House) (H. Res. 677) (H. Rept. 113–546), H6654 [22JY]

Consideration of H.R. 3193, Consumer Financial Freedom and Washington Accountability Act: Committee on Rules (House) (H. Res. 475) (H. Rept. 113–350), H1718 [10FE]

Consideration of H.R. 5771, Tax Increase Prevention Act and H.R. 647, Achieving a Better Life Experience (ABLE) Act: Committee on Rules (House) (H. Res. 766) (H. Rept. 113–643), H8272 [2DE]

Consumer Financial Protection Safety and Soundness Improvement Act: Committee on Financial Services (House) (H.R. 3193) (H. Rept. 113–346), H1685 [6FE]

Empowering Students Through Enhanced Financial Counseling Act: Committee on Education and the Workforce (House) (H.R. 3984) (H. Rept. 113–531), H6397 [17JY]

Expiring Provisions Improvement, Reform, and Efficiency (EXPIRE) Act: Committee on Finance (Senate) (S. 2260) (S. Rept. 113–154), S2424 [28AP]

Housing Finance Reform and Taxpayer Protection Act: Committee on Banking, Housing, and Urban Affairs (Senate) (S. 1217), S5779 [18SE]

Responsible Consumer Financial Protection Regulations Act: Committee on Financial Services (House) (H.R. 2446) (H. Rept. 113–345), H1685 [6FE]

Statements

Student Loan Debt: Several Hawaiians, S3530 [10JN]

——— Several Individuals, S3637 [12JN]

Texts of

H. Con. Res. 124, correction in enrollment of H.R. 5771, Tax Increase Prevention Act, H8998 [10DE]

H. Res. 475, consideration of H.R. 3193, Consumer Financial Freedom and Washington Accountability Act, H1731 [11FE]

H. Res. 677, consideration of H.R. 3136, Advanced Competency-Based Education Demonstration Project Act and H.R. 4984, Empowering Students Through Enhanced Financial Counseling Act, H6672 [23JY]

H. Res. 766, consideration of H.R. 5771, Tax Increase Prevention Act and H.R. 647, Achieving a Better Life Experience (ABLE) Act, H8305 [3DE]

H.R. 3193, Consumer Financial Freedom and Washington Accountability Act, H2037–H2039 [27FE]

H.R. 3211, Mortgage Choice Act, H5137 [9JN]

H.R. 4984, Empowering Students Through Enhanced Financial Counseling Act, H6761–H6763 [24JY]

H.R. 5461, clarify application of certain leverage and risk-based requirements and improve definitions of points and fees for mortgage transactions, H7508–H7510 [15SE]

H.R. 5771, Tax Increase Prevention Act, H8323–H8335 [3DE]

S. 1897, Personal Data Privacy and Security Act, S134–S142 [8JA]

S. 2204, Proprietary Education Oversight Coordination Improvement Act, S2162–S2164 [3AP]

S. 2693, Women’s Small Business Ownership Act, S5138–S5142 [30JY]

S. 2712, Adjunct Faculty Loan Fairness Act, S5145 [30JY]

S. 3008, Foreclosure Relief and Extension for Servicemembers Act, S6697 [11DE], H10314 [12DE]

S. Res. 423, Financial Literacy Month, S2406 [11AP]

S. Res. 563, Executive Office of the President negotiation of extradition treaties to combat more effectively international cybercriminals, S5796 [18SE]