FINANCIAL INSTITUTIONS

Amendments

Dept. of Education: 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]

Economy: enhance ability of community financial institutions to foster economic growth, serve their communities, boost small businesses, and increase individual savings (H.R. 3329), S6607, S6635 [11DE], H10303 [11DE]

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]

Government regulations: clarify application of certain leverage and risk-based capital requirements (S. 2270), S3382, S3383 [3JN]

Analyses

Financial Institution Bankruptcy Act (H.R. 5421), H8179–H8181 [1DE]

Articles and editorials

Bank’s Lobbyists Help in Drafting Financial Bills, S6720 [12DE]

Barney Frank Criticizes Planned Rollback of Namesake Financial Law, H9068 [11DE]

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

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

Pots of Marijuana Cash Cause Security Concerns, H6269 [15JY]

Bills and resolutions

Africa: establish a comprehensive policy to assist countries in sub-Saharan Africa to improve access to and the affordability, reliability, and sustainability of power (see S. 2508), S3863 [19JN]

America Saves Week: support goals and ideals (see H. Res. 496), H2097 [28FE]

Armed Forces: 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]

——— provide for alternate means of proof of period of military service for purposes of the interest rate limitation (see H.R. 4050), H1770 [11FE]

Bankruptcy: facilitate the resolution of an insolvent financial institution in bankruptcy (see H.R. 5421), H7387 [9SE]

——— 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]

Business and industry: ensure that the treatment of illiquid swaps does not disadvantage certain non-financial end users who use them to manage business risk (see H.R. 4330), H2743 [27MR]

Centennial Monetary Commission: establish (see S. 1895), S27 [6JA]

CFTC: improve futures and swaps trading (see S. 2330), S2953 [13MY]

——— take certain actions to reduce excessive speculation in energy markets (see S. 2548), S4153 [26JN] (see H.R. 4996), H5817 [26JN]

Colleges and universities: clarify application of prepayment amounts on student loans (see H.R. 4236), H2432 [13MR]

——— provide for disclosure and codes of conduct with respect to consumer financial products or services and institutions of higher education (see S. 2385), S3293 [22MY]

Community banks: exempt 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]

——— 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]

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

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]

——— require upon request a probable cause hearing in connection with property seizures relative to certain monetary instruments transactions (see H.R. 5833), H9044 [10DE]

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

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

——— 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]

——— 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]

——— 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]

——— 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]

——— 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 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]

——— 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]

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

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]

Crime: add certain tax-related crimes to the definition of aggravated identity theft (see H.R. 5236), H7039 [29JY]

Dept. of Education: 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]

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

——— 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]

——— 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]

——— 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: 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]

——— prohibit Fannie Mae and Freddie Mac contributions to the Housing Trust Fund and Capital Market Fund while in conservatorship or receivership (see H.R. 3901), H1240 [16JA]

——— 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 Justice: provide State officials with access to criminal history information relative to certain financial service providers required to undergo State criminal background checks (see H.R. 5320), H7181 [31JY]

Dept. of the Interior: contract with eligible Indian tribes to manage land buy-back programs and require that certain amounts be deposited into interest bearing accounts (see S. 2387), S3293 [22MY]

Dept. of the Treasury: allow reliance on State examinations for certain financial institutions in order to assist immigrant communities in making remittances to their countries of origin (see S. 2208), S2161 [3AP] (see H.R. 4386), H2913 [3AP]

——— establish U.S. Employee Ownership Bank (see S. 2411), S3341 [2JN]

——— impose sanctions on foreign financial institutions that engage in certain transactions with the Islamic State in Iraq and Syria (ISIS) (terrorist organization) (see H.R. 5431), H7432 [10SE]

——— improve transparency, accountability, governance, and operations of the Office of Financial Research (see H.R. 5037), H6034 [9JY]

——— improve transparency of the Financial Stability Oversight Council and improve the systemically important financial institution (SIFI) designation process (see H.R. 5180), H6745 [23JY]

Economy: create jobs by revising Federal labor laws, decreasing regulatory burdens, providing comprehensive energy reform, and streamlining access to investment capital (see H.R. 4304), H2695 [26MR]

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]

Eximbank: authorize use of a certain percentage of profits for administrative expenses (see H.R. 4271), H2484 [14MR]

——— extend and reauthorize (see S. 2709), S5135 [30JY]

——— prohibit from providing financial support for certain high carbon intensity energy projects (see H.R. 4768), H5022 [29MY]

——— reauthorize (see H.R. 4950), H5724 [24JN]

——— redesignate as the Made-in-America Bank (see H.R. 5424), H7387 [9SE]

FDIC: clarify membership requirements for Board of Directors (see S. 2852), S5782 [18SE] (see H.R. 5749), H8169 [20NO]

Federal agencies and departments: require agencies to make considerations relative to promotion of efficiency, competition, and capital formation before issuing or modifying certain regulations (see H.R. 3913), H1241 [16JA]

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 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: hold open meetings, comply with requirements of the Federal Advisory Committee Act, and provide additional improvements to the Council (see H.R. 4387), H2913 [3AP]

——— place a moratorium on authority to make financial stability determinations (see H.R. 4881), H5398 [17JN]

——— 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: apply the requirements of the Federal Advisory Committee Act to the Consumer Financial Protection Bureau (see H.R. 4262), H2484 [14MR]

——— establish a Small Business Advisory Board for the Consumer Financial Protection Bureau (see H.R. 4383), H2913 [3AP]

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

——— establish requirements for policy rules and blackout periods of the Federal Open Market Committee and for certain activities of the Board of Governors (see H.R. 5018), H5830 [7JY]

——— improve accountability and transparency of the Board of Governors (see H.R. 3928), H1430 [27JA]

——— increase threshold at which regulated depository institutions are subject to Consumer Financial Protection Bureau direct examination and reporting requirements (see S. 2732), S5216 [31JY]

——— make certain changes to the small bank holding company policy statement on assessment of financial and managerial factors (see S. 2696), S5134 [30JY]

——— 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]

——— reaffirm importance of community banking and community banking regulatory experience on the Board of Governors and ensure at least one member with such experience (see S. 2252), S2379 [10AP]

——— repeal Consumer Financial Protection Bureau authority to restrict mandatory pre-dispute arbitration (see H.R. 4734), H4829 [22MY]

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

——— require Consumer Financial Protection Bureau development of a model form for a disclosure notice to be used by depository institutions and credit unions relative to checking account costs and fees (see H.R. 5188), H6813 [24JY]

——— 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]

——— require the Consumer Financial Protection Bureau, when issuing a research paper, to include all studies, data, and analyses on which the paper was based (see H.R. 4539), H3407 [1MY]

——— require the president of the Federal Reserve Bank of New York to be appointed by the President, by and with the advice and consent of the Senate (see S. 2937), S6095 [18NO]

Government regulations: amend certain banking statutes to ensure legitimate businesses have nondiscriminatory access to financial services and products (see H.R. 4986), H5817 [26JN]

——— clarify application of certain leverage and risk-based capital requirements (see S. 2102), S1416 [10MR] (see S. 2270), S2470 [29AP] (see H.R. 4510), H3291 [29AP]

——— 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]

——— ensure access to certain information for financial services industry regulators (see H.R. 4626), H4057 [9MY]

——— 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]

——— provide regulatory easement for lending institutions that enable a vibrant economy (see S. 2698), S5134 [30JY]

——— provide regulatory relief for mid-sized financial institutions (see H.R. 4788), H5063 [30MY]

——— provide requirements for Federal banking agencies when directing a depository institution to terminate a specific customer account and provide for additional requirements relative to certain subpoenas (see H.R. 5758), H8169 [20NO]

——— reduce compliance burdens on certain banking entities (see H.R. 4787), H5063 [30MY]

——— specify that privilege is maintained when information is shared by certain nondepository covered persons with Federal and State financial regulators (see H.R. 5062), H6105 [10JY]

——— specify when bank holding companies may be subject to certain enhanced supervision (see H.R. 4060), H1776 [14FE] (see H.R. 4532), H3363 [30AP]

Green Bank: establish to assist in financing of qualified clean energy and energy efficiency projects (see S. 2271), S2566 [30AP] (see H.R. 4522), H3363 [30AP]

Higher Education Act: establish requirements for preferred banking arrangements (see H.R. 4714), H4828 [22MY]

Housing: 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]

Insurance: provide notice to, and input by, State insurance commissioners when requiring an insurance company to serve as a source of financial strength (see H.R. 4557), H3407 [1MY]

Investments: clarify that prohibitions on investments in certain funds shall not be construed to require divestiture of certain collateralized debt obligations backed by trust-preferred securities (see S. 1907, 1912), S223 [9JA] (see H.R. 3819), H72 [8JA]

——— exclude certain debt securities of collateralized loan obligations from the prohibition against acquiring or retaining an ownership interest in a hedge fund or private equity fund (see H.R. 4167), H2255 [6MR]

Iran: reimpose previous sanctions, expand automotive and oil-related sanctions, and require diplomatic negotiations to be congressionally approved relative to pursuit of nuclear weapons capability (see S. 2672), S4997 [28JY] (see H.R. 5709), H7995 [14NO]

Middle East: prevent Hezbollah and associated entities from gaining access to international financial and other institutions (see S. 2329), S2953 [13MY] (see H.R. 4411), H2990 [7AP]

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

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

——— 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]

National Credit Union Administration: provide pass-through share insurance for deposits or shares of any interest on lawyers trust accounts (see S. 2699), S5134 [30JY]

Postal Service: provide that the Postal Service may provide certain basic financial services (see H.R. 5179), H6745 [23JY]

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]

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]

——— 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]

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

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

Rural areas: clarify application of the qualified mortgage rule to rural lenders (see S. 2697), S5134 [30JY]

Securities: allow mutual capital certificates to satisfy capital requirements for mutual depositories and establish mutual national banks (see H.R. 4252), H2483 [14MR]

Senior citizens: provide access to health and financial support services (see S. 2763), S5217 [31JY]

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

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

——— limit interest deduction for excessive interest of members of financial reporting groups (see H.R. 5444), H7433 [10SE]

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

——— permanently extend the subpart F exemption for active financing income (see H.R. 4429), H3057 [8AP]

——— permanently modify limitations on deduction of interest by financial institutions which hold tax-exempt bonds (see H.R. 5199), H6814 [24JY]

——— provide for tax preferred savings accounts for dependent youth (see H.R. 4129), H2097 [28FE]

——— regulate tax return preparers and refund anticipation payment arrangements (see H.R. 4463), H3196 [10AP]

Ukraine: examine benefits of implementing a currency board system to stabilize the national currency and improve economy (see S. Res. 448), S3074 [15MY]

——— provide assistance to reduce dependence on natural gas imports from Russia (see S. 2433), S3474 [5JN]

Wall Street Reform and Consumer Protection Act: establish application process for interested parties to apply for a county to be designated as a rural area (see S. 1916), S325 [14JA]

Excerpts

Wall Street Reform and Consumer Protection Act regulations governing financial assistance for swaps entities, S6721 [12DE]

Letters

American Savings Promotion Act: Representative Goodlatte, Committee on the Judiciary (House), H7506 [15SE]

——— Representative Hensarling, Committee on Financial Services (House), H7506 [15SE]

Capital Access for Small Community Financial Institutions Act, Credit Union Share Insurance Fund Parity Act, and CFPB Rural Designation Petition and Correction Act: Bill Cheney, Credit Union National Association, H3427 [6MY]

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

Consumer Financial Protection Bureau appropriations process: Representative Waters, Committee on Financial Services (House), H6199 [14JY]

Credit Union Share Insurance Fund Parity Act: Brad Thaler, National Association of Federal Credit Unions, H3427 [6MY]

——— James R. Silkenat, ABA, H3427 [6MY]

——— Scott Earl, Mountain West Credit Union Association, H3428 [6MY]

Dept. of the Treasury economic impact study of U.S. bank reporting requirements for interest paid to nonresident aliens: Bill Hampel, Credit Union National Association and Brian Branch, World Council of Credit Unions, Inc., H6183 [14JY]

Enhance ability of community financial institutions to foster economic growth, serve their communities, boost small businesses, and increase individual savings: Camden R. Fine, Independent Community Bankers of America (organization), H3425 [6MY]

Examination and Supervisory Privilege Parity Act: American Financial Services Association and several automobile finance companies, H7001 [29JY]

——— Bill Himpler, American Financial Services Association, H7000 [29JY]

——— Francis Creighton, Financial Services Roundtable (organization), H6999 [29JY]

——— John W. Ryan, Conference of State Bank Supervisors, H7000 [29JY]

——— Stephen Ciccone, Toyota Motor Corp., H6999 [29JY]

——— Tara Hairston, Honda North America, Inc., H7000 [29JY]

Eximbank reauthorization: Bay Area Houston Economic Partnership and several Texas chambers of commerce (excerpt), H7118 [30JY]

——— Gabriel Ojeda, Fritz-Pak Corp. (excerpt), H7118 [30JY]

——— Greg Lay, Hansen Engineering Co., E1308 [1AU]

——— Greg Lay, Hansen Engineering Co. (excerpt), H7116 [30JY]

——— Michael P. Boyle, Boyle Energy Services and Technology, Inc., E1308 [1AU]

——— Ruth P. Briones, Greenergy Solutions Inc., E1308 [1AU]

——— several corporations, S4317 [9JY]

——— South Coast Products Co. (excerpt), H7118 [30JY]

——— Steve Wilburn, FirmGreen Inc., E1307 [1AU]

——— William A. Conrad, Brek Manufacturing Co., E1308 [1AU]

——— William A. Conrad, Brek Manufacturing Co. (excerpt), H7116 [30JY]

Federal Reserve Transparency Act: Representative Hensarling, Committee on Financial Services (House), H7589 [16SE]

——— Representative Issa, Committee on Oversight and Government Reform (House), H7589 [16SE]

Hezbollah International Financing Prevention Act: Representative Goodlatte, Committee on the Judiciary (House), H6625 [22JY]

——— Representative Hensarling, Committee on Financial Services (House), H6626 [22JY]

——— Representative Royce, Committee on Foreign Affairs (House), H6625 [22JY]

Insurance Capital Standards Clarification Act: Senator Collins, S2473 [29AP]

Interest on Lawyers Trust Accounts insurance coverage by National Credit Union Share Insurance Fund: Sheila A. Albin, National Credit Union Administration (2008), H3427 [6MY]

Interest on Lawyers Trust Accounts maintenance by an attorney at a credit union: Richard S. Schulman, National Credit Union Administration (1996), H3426 [6MY]

MF Global Inc., liquidation customer claim payment: James W. Giddens, EPIQ Bankruptcy Solutions, LLC, H5630 [23JN]

Money Remittances Improvement Act: Peter Yang, Wausau Area Hmong Mutal Association, Inc., H3424 [6MY]

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]

Reaffirm importance of community banking and community banking regulatory experience on the FRS Board of Governors and ensure at least one member with such experience: Camden R. Fine, Independent Community Bankers of America (organization), S4584 [17JY]

Regulation D Study Act: Jim Nussle, Credit Union National Association, H8245 [2DE]

Restoring Proven Financing for American Employers Act: Camden R. Fine, Independent Community Bankers of America (organization), H3258 [29AP]

Lists

Americans for Financial Reform (organization) members, H7818 [18SE]

Americans for Financial Reform (organization) partners, H2030 [27FE]

Newspapers endorsing Eximbank reauthorization, S5683 [17SE]

Organizations opposed to H.R. 3193, Consumer Financial Freedom and Washington Accountability Act, H2030 [27FE]

Messages

National Emergency Relative to Iran: President Obama, S1581 [12MR], S5904 [12NO], H2348 [12MR], H7906 [12NO]

Motions

Dept. of Education: 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]

Press releases

Commander—Keep Senate Bill Focused on Vets: American Legion, S1159 [26FE]

New Economic Analysis—400 Million Drained From State Economies in Unemployment Benefits This Week Alone: Committee on Ways and Means (House) Democratic Members, H252 [15JA]

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

Remarks in House

American Samoa: clarify that certain laws regulating deposit holds apply to American Samoa (H.R. 1679), H5138, H5139 [9JN]

Amherst, NY: tribute to Amherst Chamber of Commerce Small Business Award recipients, E776 [20MY]

Applewood, CO: anniversary of Wells Fargo-Applewood membership in West Chamber Serving Jefferson County, CO (organization), E296 [4MR]

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

——— ensure fair wages for defense contractors and prohibit discrimination against women, outsourcing of jobs, high interest student loans, and baggage fees, H4810 [22MY]

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

Bankruptcy: facilitate the resolution of an insolvent financial institution in bankruptcy (H.R. 5421), H8174–H8181 [1DE]

——— provide a process to allow financial institutions to go bankrupt (S. 1861), H8179 [1DE]

Boulder, CO: Elevations Credit Union recipient of NIST Malcolm Baldridge National Quality Award, E1721 [3DE]

Budget: allocation of funds, H2810 [2AP]

Burma: political and economic reform, E1585 [14NO]

CFTC: conduct study to determine whether high-frequency trading increases market volatility, H5629 [23JN]

——— improve consideration of costs and benefits of regulations and orders (H.R. 1003), H5509 [19JN]

——— require a report on number of entities regulated, their size, practice models, and managed assets, H5629–H5631 [23JN]

——— take certain actions to reduce excessive speculation in energy markets, H5663, H5664 [24JN]

Colleges and universities: affordability, H6671 [23JY]

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

Community banks: enhance ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, and increase individual savings (H.R. 1750), H2032 [27FE]

Credit: 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]

Credit unions: allow privately insured credit unions to become members of the Federal Home Loan Bank system (H.R. 3584), H3418–H3420 [6MY]

——— extend insurance coverage to amounts held in a member account on behalf of another person (H.R. 3468), H3426–H3428 [6MY]

——— tribute to achieving nationwide milestone membership, E1498 [19SE]

Democratic Party: national agenda, H6755 [24JY]

Denver, CO: anniversary of Chase Bank Lakeside membership in West Chamber Serving Jefferson County, CO (organization), E236 [25FE]

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: 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]

——— 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]

——— 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: 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 Fannie Mae and Freddie Mac contributions to the Housing Trust Fund and Capital Market Fund while in conservatorship or receivership, H5212 [10JN]

Dept. of Justice: condemn Operation Choke Point activities to financially intimidate certain industries, H5192 [10JN]

——— prohibit funding for Operation Choke Point activities to financially intimidate certain industries, H5001, H5002 [29MY]

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

——— Community Development Financial Institutions Fund Program funding, H6185, H6186 [14JY]

——— Financial Crimes Enforcement Network funding, H6184 [14JY]

——— Inspector General for Tax Administration funding to study economic impact of U.S. bank reporting requirements for interest paid to nonresident aliens through reductions in IRS enforcement funding, H6182, H6183 [14JY]

——— prohibit funding to implement compliance guidelines for financial institutions seeking to provide services to marijuana-related businesses, H6268–H6270 [15JY]

——— prohibit funding to penalize financial institutions for providing services to marijuana-related businesses in States with legalized marijuana, H6272, H6275, H6276 [15JY]

——— require Office of the Comptroller of the Currency to abide by administrative judge decision in litigation against T Bank, N.A., H6181 [14JY]

Drugs: create protections for depository institutions that provide financial services to marijuana-related businesses (H.R. 2652), H2659 [26MR], H7944 [13NO]

——— enhance ability of community financial institutions to foster economic growth, serve their communities, boost small businesses, and increase individual savings (H.R. 3329), Senate amendment, H10303 [11DE]

——— Government bailout of automobile industry, H69–H71 [8JA]

——— impact of Government regulations, H2428–H2431 [13MR]

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

Eximbank: reauthorize, H3277–H3279 [29AP], H4814, H4815 [22MY], H5592 [20JN], H6040 [10JY], H6221 [15JY], H6670 [23JY], H7003 [29JY], H7400 [10SE], H7440 [11SE], H7541, H7546, H7547 [16SE], H7630, H7639, H7660 [17SE]

——— reauthorize (H.R. 4950), H5772 [26JN], H6123 [11JY], H6225 [15JY], H6638 [22JY], H6846, H6847 [25JY], H7115–H7118 [30JY], E1307, E1311 [1AU]

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

Federal Home Loan Banks: anniversary of Affordable Housing Program, E1788 [10DE]

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

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]

——— congressional oversight of Consumer Financial Protection Bureau appropriations process, H6197–H6199 [14JY]

——— Consumer Financial Protection Bureau funding, E1172 [16JY]

——— establish a Small Business Advisory Board for the Consumer Financial Protection Bureau (H.R. 4383), H3148 [10AP]

——— establishment of Consumer Financial Protection Bureau, H6129 [11JY]

——— improve accountability, H5253 [11JN]

——— 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]

——— require an audit of the Board of Governors and Federal Reserve banks (H.R. 24), H7539, H7588–H7591 [16SE], E1430 [17SE]

——— strengthen and maintain funding levels of Consumer Financial Protection Bureau, H2052, H2053 [27FE]

Furnace, Walter R.: National Association of Federal Credit Unions Paul Revere Award recipient, E1435 [17SE]

GAO: conduct a study on the impact of the requirement that depository institutions maintain certain reserves and Regulation D relative to exemptions from SEC registration requirements (H.R. 3240), H188 [14JA], H8244–H8246 [2DE]

Golden, CO: anniversary of Wells Fargo-Golden membership in West Chamber Serving Jefferson County, CO (organization), E296 [4MR]

Government regulations: clarify application of certain leverage and risk-based capital requirements, H7510–H7515 [15SE]

——— clarify application of certain leverage and risk-based capital requirements (H.R. 4510), E1796 [12DE]

——— clarify application of certain leverage and risk-based capital requirements (S. 2270), H9019 [10DE], E975 [12JN]

——— 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]

——— ensure access to certain information for financial services industry regulators (H.R. 4626), H6997, H6998 [29JY]

——— include existing Dept. of the Treasury rule on U.S. bank reporting requirements relative to interest on deposits paid to nonresident aliens in any regulatory freeze, H6182 [14JY]

——— prohibit funding to designate any nonbank financial companies as ‘‘Too Big To Fail’’ or as a ‘‘systemically important financial instution’’, H6317, H6318 [16JY]

——— revise certain regulations governing financial assistance for swaps entities, H9067–H9074, H9277, H9279, H9284, H9285 [11DE]

——— specify that privilege is maintained when information is shared by certain nondepository covered persons with Federal and State financial regulators (H.R. 5062), H6998–H7002 [29JY]

House of Representatives: legislative priorities, H4843 [28MY], H7533 [16SE]

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

Investments: allow use of prize-linked savings accounts to encourage personal savings (H.R. 3374), H7504–H7506 [15SE]

——— provide a registration exemption for private equity fund advisers, H7814 [18SE]

——— provide a registration exemption for private equity fund advisers (H.R. 1105), H7110 [30JY]

Iran: impose and expand sanctions for violations of interim Joint Plan of Action on nuclear weapons or failure to reach final agreement, H2011 [27FE], H2094–H2096 [28FE], H8065–H8067 [18NO], E800 [21MY]

——— impose and expand sanctions for violations of interim Joint Plan of Action on nuclear weapons or failure to reach final agreement (S. 1881), H8288 [3DE]

——— reimpose previous sanctions, expand automotive and oil-related sanctions, and require diplomatic negotiations to be congressionally approved relative to pursuit of nuclear weapons capability (H.R. 5709), H8126 [19NO]

IRS: reform reporting requirements for U.S. citizens living abroad, H6265 [15JY]

Mid America Bank: anniversary, E600 [28AP]

Middle East: prevent Hezbollah and associated entities from gaining access to international financial and other institutions (H.R. 4411), H6620–H6626 [22JY], E1214 [23JY]

National Accredited ACH Professional (AAP) Day: observance, E206 [11FE]

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]

Norwood Young America, MN: anniversary of Citizens State Bank, E999 [17JN]

Obama, President: evaluation of administration relative to alleged abuse of power, intimidation, and lack of accountability by Federal agencies, H3441 [6MY]

Power resources: limit release of toxic air pollutants from petroleum coke, prohibit oil and natural gas exports to countries that support terrorist organizations, and allow CFTC actions to limit excessive speculation in energy markets, H7853 [18SE]

Privacy: protect the rights of individuals against Government violations, H2090–H2092 [28FE]

SEC: funding, H6203, H6204 [14JY]

——— improve consideration of the costs and benefits of its regulations and orders, H5618 [23JN]

——— prohibit funding to implement, administer, or enforce Financial Accounting Standards Board final leasing accounting standard rules, regulations, or requirements, H6268 [15JY]

——— revise proposed rule to impose floating net asset value on certain money market funds, H6267, H6268 [15JY]

——— update and improve cybersecurity disclosure guidance, H6179, H6180 [14JY]

Securities: make shareholder registration threshold for savings and loan holding companies the same as for bank holding companies (H.R. 801), H196–H200 [14JA]

——— provide end user exemptions for certain derivative sales, H7512 [15SE], H8963–H8966, H8986, H8988, H8990 [10DE]

South Paris, ME: tribute to Oxford Hills Chamber of Commerce award recipients, E323 [6MR]

Spencer, NY: anniversary of Tioga State Bank, E281 [28FE]

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

Wall Street Reform and Consumer Protection Act: adopt rules setting forth the application to cross-border swaps transactions of certain provisions relating to swaps, H5614, H5617 [23JN]

——— adopt rules setting forth the application to cross-border swaps transactions of certain provisions relating to swaps (H.R. 1256), H5509 [19JN]

——— establish application process for interested parties to apply for a county to be designated as a rural area (H.R. 2672), H3420–H3422 [6MY], H3950 [8MY]

Remarks in Senate

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

Bangladesh: condemn political violence, provide for free and fair elections, and support dialogue between political factions, judicial independence, human rights protections, and Grameen Bank independence (S. Res. 318), S82 [7JA]

Bowen, Sharon Y.: suitability to be CFTC member relative to actions as Securities Investor Protection Corp., Acting Chair in judgment against Stanford Financial Group, S3348, S3352 [3JN]

Business and industry: impact of Government regulations on hiring and job loss, S1493 [11MR]

CFTC: improve futures and swaps trading (S. 2330), S2955 [13MY]

——— provide for greater regulation of high frequency trading of commodities futures and greater protection for derivatives traders and trading facilities, S1915 [1AP]

——— take certain actions to reduce excessive speculation in energy markets (S. 2548), S4158–S4160 [26JN]

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

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

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

Credit unions: extend insurance coverage to amounts held in a member account on behalf of another person (H.R. 3468), S6608 [11DE]

Dept. of Education: Executive order expanding the Pay As You Earn Repayment Plan for student loans, S3596 [11JN]

——— 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]

Economy: enhance ability of community financial institutions to foster economic growth, serve their communities, boost small businesses, and increase individual savings (H.R. 3329), S6607 [11DE]

——— national objectives priority assignments, S6508–S6510 [10DE]

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

Eximbank: extend and reauthorize (S. 2709), S5157 [30JY], S5159 [31JY], S5389–S5391 [9SE]

——— reauthorize, S3963 [25JN], S4315–S4318 [9JY], S4869–S4872 [24JY], S5682–S5684 [17SE]

——— reform, S2309 [9AP]

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

Floods: establish limitations on force-placed insurance, S579 [29JA], S618 [30JA]

FRS: anniversary of Consumer Financial Protection Bureau, S4671 [22JY]

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

——— reaffirm importance of community banking and community banking regulatory experience on the Board of Governors and ensure at least one member with such experience, S4581, S4584, S4588 [17JY]

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

——— require an audit of the Board of Governors and Federal Reserve banks (S. 209), S15–S17 [6JA]

——— require the president of the Federal Reserve Bank of New York to be appointed by the President, by and with the advice and consent of the Senate (S. 2937), S6096 [18NO]

Government regulations: address concept of ‘‘too big to fail’’ through stricter limits on leverage and liabilities and through improved capital assessment and financial reporting, S6749 [12DE]

——— clarify application of certain leverage and risk-based capital requirements (S. 2270), S2471 [29AP], S3383 [3JN], S6530, S6531 [10DE]

——— revise certain regulations governing financial assistance for swaps entities, S6488, S6510, S6532 [10DE], S6601, S6660 [11DE], S6721, S6722, S6749 [12DE], S6810 [13DE]

——— specify that privilege is maintained when information is shared by certain nondepository covered persons with Federal and State financial regulators (H.R. 5062), S5862, S5863 [18SE]

IMF: reform, S1698, S1702–S1707, S1719 [25MR], S1742, S1743 [26MR]

Investments: allow use of prize-linked savings accounts to encourage personal savings (H.R. 3374), S6432 [9DE], S6580 [10DE]

Iran: deny request to extend deadline for interim Joint Plan of Action on nuclear weapons and seek congressional approval on any removal of sanctions, S4596–S4598 [17JY]

——— impose additional human rights and economic and financial sanctions to compel Iran to abandon its pursuit of nuclear weapons, S1037 [25FE]

——— impose and expand sanctions for violations of interim Joint Plan of Action on nuclear weapons or failure to reach final agreement, S1027 [25FE], S1134, S1140, S1151–S1160, S1167 [26FE], S1187–S1191, S1193–S1196, S1201, S1205, S1209 [27FE]

——— impose and expand sanctions for violations of interim Joint Plan of Action on nuclear weapons or failure to reach final agreement (S. 1881), S322 [14JA], S804–S806 [6FE], S4484–S4486 [15JY]

National objectives: economic recovery, S6244 [2DE]

Obama, President: evaluation of administration relative to alleged abuse of power, intimidation, and lack of accountability by Federal agencies, S2549–S2552 [30AP], S2628 [5MY]

——— evaluation of economic policies, S213–S215 [9JA]

Presidential appointments: Senate process for confirmation of political nominees for foreign policy positions, S3712–S3715 [17JN]

Salt Lake City, UT: Zions Bank recipient of Employer Support of the Guard and Reserve (organization) Sec. of Defense Employer Support Freedom Award, S5859 [18SE]

Syria: impose sanctions and expand existing sanctions (S. 1714), S1723 [25MR]

Taxation: 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]

Virginia: impact of Eximbank on Virginia businesses, S4871 [24JY]

Wall Street Reform and Consumer Protection Act: establish application process for interested parties to apply for a county to be designated as a rural area (S. 1916), S326 [14JA]

Reports filed

Bureau of Consumer Financial Protection Accountability and Transparency Act: Committee on Financial Services (House) (H.R. 3519) (H. Rept. 113–347), H1685 [6FE]

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]

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

Consumer Right to Financial Privacy Act: Committee on Financial Services (House) (H.R. 2571) (H. Rept. 113–344), 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]

Energize Africa Act: Committee on Foreign Relations (Senate) (S. 2508) (S. Rept. 113–219), S4903 [24JY]

Federal Reserve Transparency Act: Committee on Oversight and Government Reform (House) (H.R. 24) (H. Rept. 113–602), H7616 [16SE]

Financial Institution Bankruptcy Act: Committee on the Judiciary (House) (H.R. 5421) (H. Rept. 113–630), H8225 [1DE]

Hezbollah International Financing Prevention Act: Committee on Foreign Affairs (House) (H.R. 4411) (H. Rept. 113–543), H6654 [22JY]

Holding Company Registration Threshold Equalization Act: Committee on Financial Services (House) (H.R. 801) (H. Rept. 113–325), H223 [14JA]

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

Permanent Active Financing Exception Act: Committee on Ways and Means (House) (H.R. 4429) (H. Rept. 113–427), H3412 [2MY]

Regulation D Study Act: Committee on Financial Services (House) (H.R. 3240) (H. Rept. 113–640), H8272 [2DE]

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

Statements

Federal Funding of Higher Education: Senator Alexander, S814 [6FE]

Federal Reserve Transparency Act: Ron Paul (2011), H7590 [16SE]

How Eximbank Helped Save My Business: Gabriel Ojeda, Fritz-Pak Corp., E1308 [1AU]

Tables

Federal Reserve Banks balance sheet, S57 [7JA]

Texts of

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.R. 24, Federal Reserve Transparency Act, H7588 [16SE]

H.R. 801, Holding Company Registration Threshold Equalization Act, H196 [14JA]

H.R. 1679, clarify that certain laws regulating bank deposit holds apply to American Samoa, H5138 [9JN]

H.R. 2672, Helping Expand Lending Practices in Rural Communities Act, H3420 [6MY]

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

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

H.R. 3240, Regulation D Study Act, H8244 [2DE]

H.R. 3329, enhance ability of community financial institutions to foster economic growth, serve their communities, boost small businesses, and increase individual savings, H3424 [6MY], H10303 [11DE]

H.R. 3374, American Savings Promotion Act, H7504 [15SE]

H.R. 3468, Credit Union Share Insurance Fund Parity Act, H3426 [6MY]

H.R. 3584, Capital Access for Small Community Financial Institutions Act, H3418 [6MY]

H.R. 4167, Restoring Proven Financing for American Employers Act, H3257 [29AP]

H.R. 4386, Money Remittances Improvement Act, H3422 [6MY]

H.R. 4411, Hezbollah International Financing Prevention Act, H6620–H6622 [22JY]

H.R. 4626, SAFE Act Confidentiality and Privilege Enhancement Act, H6997 [29JY]

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

H.R. 5062, Examination and Supervisory Privilege Parity Act, H6998 [29JY]

H.R. 5421, Financial Institution Bankruptcy Act, H8174–H8177 [1DE]

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]

S. 1895, Centennial Monetary Commission Act, S28–S30 [6JA]

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

S. 1916, Helping Expand Lending Practices in Rural Communities (HELP Rural Communities) Act, S327 [14JA]

S. 2270, Insurance Capital Standards Clarification Act, S2472 [29AP], H9019 [10DE]

S. 2330, End-User Protection Act, S2955–S2957 [13MY]

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

S. Res. 318, condemn political violence in Bangladesh, provide for free and fair elections, and support dialogue between political factions, judicial independence, human rights protections, and Grameen Bank independence, S82 [7JA]

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

S. Res. 448, examine benefits of implementing a currency board system to stabilize the national currency and improve economy in Ukraine, S3078 [15MY]

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