CREDIT see also Consumers

Addresses

Association of Private Sector Colleges and Universities: Senator Alexander, S1298 [4MR]

Financial Aid Simplification and Transparency Act: Senator Alexander, S2240 [16AP]

Higher Education Act Reauthorization: Senator Alexander, S5452–S5454 [22JY]

Amendments

Dept. of Education: extend temporarily the Federal Perkins Loan Program (H.R. 3594), S8708, S8726 [16DE], H9676 [17DE]

Federal agencies and departments: identify and prevent improper payments and identify strategic sourcing opportunities by reviewing and analyzing use of agency charge cards (S. 1616), S8727, S8728 [16DE]

FRS: nullify certain guidance by the Consumer Financial Protection Bureau and provide requirements for guidance issued by the Bureau relative to indirect auto lending (H.R. 1737), H8309, H8310, H8311 [18NO]

——— nullify certain guidance by the Consumer Financial Protection Bureau and provide requirements for guidance issued by the Bureau relative to indirect auto lending (H.R. 1737), consideration (H. Res. 526), H8257 [17NO]

Mortgages: improve definitions of points and fees in connection with a mortgage transaction (H.R. 685), consideration (H. Res. 189), H2169 [14AP]

——— modify the definitions of a mortgage originator and a high-cost mortgage to preserve access to manufactured housing (H.R. 650), consideration (H. Res. 189), H2169 [14AP]

Articles and editorials

Aggregate Demand and State-Level Employment (2013), H263 [13JA]

Mobile-Home Trap—How a Warren Buffett Empire Preys on the Poor, H2179–H2181 [14AP]

Republicans Make Dubious Claims in Defense of NSA Surveillance, S2752 [11MY]

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. 1249), S2730 [7MY] (see H.R. 1514), H1803 [19MR]

——— 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 S. 895), S2041 [26MR]

——— extend interest rate limitation on debt entered into during military service to debt incurred during military service to consolidate or refinance student loans incurred before military service (see S. 1557), S4103 [11JN] (see H.R. 2718), H4135 [10JN]

——— extend mortgage, mortgage foreclosure, and eviction protections (see S. 2347), S8378 (see S. 2357), S8379 [3DE] (see S. 2393), S8602 [10DE] (see H.R. 189), H103 [7JA] (see H.R. 2475), H3505 [20MY] (see H.R. 4252), H9327 [15DE]

——— make mortgage, mortgage foreclosure, and eviction protections permanent (see S. 1152), S2567 [30AP] (see H.R. 190), H103 [7JA]

——— protect servicemembers in higher education by providing better information, reduced interest rates, and improved services relative to student loans, and providing campus support (see H.R. 4260), H9328 [15DE]

Bankruptcy: amend laws relative to modification of certain mortgages on principal residences (see H.R. 101), H39 [6JA]

——— make privately issued student loans dischargeable (see S. 729), S1494 [12MR] (see H.R. 1674), H2108 [26MR]

——— make student loans dischargeable (see H.R. 449), H479 [21JA] (see H.R. 3451), H5847 [8SE]

——— require creditors to inform consumer reporting agencies that certain debts have been discharged in bankruptcy (see S. 1773), S5129 [15JY]

——— stop abusive student loan collection practices in bankruptcy cases (see H.R. 100), H39 [6JA]

Children and youth: create protected credit reports for minors, protect the credit of minors, and protect minors from identity theft (see H.R. 1703), H2110 [26MR]

Colleges and universities: establish a mechanism to allow borrowers of Federal student loans to refinance their loans and extend tax exclusion for employer-provided educational assistance to interest payments on certain loans (see H.R. 4102), H8410 [19NO]

——— support efforts to ensure that students have access to debt-free higher education (see S. Res. 143), S2301 [21AP] (see H. Res. 214), H2355 [21AP]

Consumers: clarify Federal law relative to reporting positive consumer credit information to consumer reporting agencies (see S. 2355), S8378 [3DE] (see H.R. 3035), H5116 [13JY] (see H.R. 4172), H9011 [3DE]

——— enhance accuracy, ensure consumers receive information, improve transparency of agencies, and provide a means to dispute errors relative to credit reporting (see S. 1847), S5526 [23JY]

——— enhance consumer rights relative to consumer report disputes by requiring provision of documentation provided by consumers (see S. 1234), S2688 [6MY]

——— establish a national usury rate for consumer credit transactions (see S. 838), S1708 [23MR] (see H.R. 1565), H1898 [24MR]

——— exclude from credit reports medical debt that is recently delinquent or has been paid, provide for a timetable for verification of medical debt, and increase efficiency of credit markets with more perfect information (see H.R. 2362), H3251 [15MY]

——— restrict debt collection practices of certain debt collectors (see S. 2255), S7814 [5NO]

Credit Repair Organizations Act: exempt certain consumer reporting agencies in order to facilitate getting information on improving a credit score (see H.R. 347), H403 [14JA]

Credit unions: exclude extensions of credit made to veterans from the definition of a member business loan (see H.R. 1133), H1369 [26FE]

Crime: provide greater extraterritorial criminal jurisdiction over certain credit card and other access device fraud offenses (see H.R. 1584), H1899 [24MR]

Dept. of Education: add disclosure requirements to the institution of higher education financial aid offer form and make such form mandatory (see S. 2149), S7219 [7OC]

——— allow a choice between a fixed amount student loan repayment plan or an income-driven student loan repayment plan for all borrowers (see S. 1948), S6379 [5AU]

——— allow adjunct faculty members to qualify for public service loan forgiveness under the Federal Direct Loan Program (see S. 1556), S4103 [11JN]

——— allow certain student loan borrowers to refinance current loans (see S. 793), S1629 [18MR] (see H.R. 1131), H1369 [26FE] (see H.R. 1434), H1768 [18MR] (see H.R. 3751), H6974 [9OC]

——— allow certain student loan borrowers to refinance current loans and extend exclusion for employer-provided educational assistance to employer payment of interest on certain refinanced student loans (see S. 2099), S7005 [29SE]

——— authorize borrowers of Federal Direct Loan Program loans to modify interest rate to be equal to interest rate at time of modification (see H.R. 649), H703 [2FE]

——— eliminate origination fees for Federal Direct Loan Program (see H.R. 1285), H1611 [4MR]

——— eliminate tuition at public colleges and universities, reduce interest rates and allow for refinancing of student loans, expand work study program, and simplify student aid application process (see S. 1373), S3059 [19MY]

——— ensure that student loan interest rates never exceed rates available to banks that borrow from the FRS (see H.R. 3675), H6787 [1OC]

——— establish a scholarship program and loan forgiveness for rural educators and provide professional development grants for rural schools (see S. 2190), S7413 [21OC]

——— establish simplified income-driven student loan repayment plan (see H.R. 4256), H9327 [15DE]

——— establish simplified income-driven student loan repayment plan for new borrowers, repayment notification options, and loan forgiveness for total and permanently disabled (see S. 85), S58 [7JA]

——— extend eligibility for Federal student loans to certain short-term career and technical education programs (see S. 2064), S6893 [22SE] (see H.R. 3964), H8151 [5NO]

——— extend temporarily the Federal Perkins Loan Program (see H.R. 3594), H6226 [24SE]

——— improve determination of cohort default rates, provide for enhanced civil penalties, and require executives and owners to assume liability relative to for-profit colleges (see S. 2098), S7005 [29SE] (see H.R. 3992), H8152 [5NO]

——— include certain individuals who work on farms or ranches as individuals who are employed in public service jobs for purposes of loan forgiveness eligibility under the Federal Direct Loan Program (see H.R. 2590), H3641 [1JN]

——— increase income allowance for working students receiving need-based Federal financial aid (see S. 2065), S6893 [22SE]

——— 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. 445), S900 [10FE]

——— 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. 2150), S7219 [7OC]

——— provide for institutional risk sharing in the Federal student loan programs (see S. 1102), S2431 [27AP] (see H.R. 2364), H3251 [15MY]

——— provide for loan repayment for teachers in high-need schools (see S. 1892), S6136 [29JY] (see H.R. 3359), H5765 [29JY]

——— provide student loan forgiveness for American Indian educators teaching in local educational agencies with a high percentage of American Indian students (see H.R. 386), H405 [14JA]

——— 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. 1352), H1626 [10MR] (see H.R. 3634), H6306 [28SE]

——— revise counseling requirements for certain student loan borrowers (see S. 2043), S6699 [16SE] (see H.R. 3179), H5465 [23JY]

——— simplify and improve Federal Direct Loan Program through income-contingent repayment to provide stronger protections for borrowers, encourage responsible borrowing, and save money for taxpayers (see H.R. 3752), H6974 [9OC]

——— simplify college financial aid application and repayment processes, streamline Federal grant and loan programs, reinstate year-round access to Pell Grants, and discourage over-borrowing (see S. 108), S59 [7JA]

——— support continuation of Federal Perkins Loan Program (see S. Res. 267), S6938 [24SE] (see H. Res. 294), H3878 [3JN]

——— support the education of Indian children through recruiting and retaining more teachers to Native American schools (see S. 1928), S6296 [4AU]

——— use excess revenue generated from the Federal Direct Loan Program to carry out the Federal Pell Grant Program (see H.R. 939), H1034 [12FE]

——— use student loan repayment rates at institutions of higher education to determine institutional eligibility for Federal student aid funds and require risk sharing payments of institutions (see S. 1939), S6379 [5AU]

——— 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. 2677), H3914 [4JN]

Dept. of HHS: provide for participation of doctors of chiropractic in the National Health Service Corps scholarship and loan repayment programs (see H.R. 542), H638 [27JA]

——— provide for the participation of optometrists in the National Health Service Corps scholarship and loan repayment programs (see S. 898), S2110 [13AP] (see H.R. 1312), H1612 [4MR]

——— provide for the participation of physical therapists in the National Health Service Corps Loan Repayment Program (see S. 1426), S3237 [21MY] (see H.R. 2342), H3212 [14MY]

——— provide loan repayment incentives for the physician assistants (see H.R. 3943), H8150 [5NO]

Dept. of HUD: authorize pilot program to improve asset recovery levels, asset management, and homeownership retention relative to delinquent single-family mortgages insured under FHA mortgage insurance programs (see H.R. 125), H40 [6JA]

——— carry out a loan repayment program for certain architects (see H.R. 2938), H4771 [25JN]

——— discount FHA single-family mortgage insurance premium payments for first-time homebuyers who complete financial literacy housing counseling program (see H.R. 1908), H2354 [21AP]

——— extend pilot program that establishes an automated process for providing alternative credit rating information for mortgagors and prospective mortgagors under certain mortgages (see H.R. 123), H40 [6JA]

——— 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. 2982), H4955 [8JY]

——— provide that nursing homes receiving poor ratings from the Centers for Medicare & Medicaid Services are ineligible for federally-insured mortgage loans (see H.R. 3796), H7089 [21OC]

Dept. of the Treasury: establish a mechanism to allow borrowers of private education loans to refinance their loans (see S. 2050), S6809 [17SE]

——— pursue with other countries the mutual elimination of government-backed export credit agencies and abolish Eximbank if doing so would not put the U.S. at a competitive disadvantage (see H.R. 4302), H10710 [18DE]

——— reauthorize the State Small Business Credit Initiative (see S. 1901), S6186 [30JY]

Dept. of Veterans Affairs: adjust certain limits on the guaranteed amount of a home loan under the home loan program (see H.R. 1187), H1499 [27FE]

Disasters: provide assistance for housing cooperatives damaged by a major disaster and provide relief to homeowners affected by major disasters with mortgages insured, owned, or guaranteed by certain organizations (see H.R. 1297), H1612 [4MR]

Discrimination: prohibit creditors from discriminating on account of sexual orientation or gender identity when extending credit (see S. 1330), S2850 [13MY] (see H.R. 2309), H2957 [13MY]

District of Columbia: eliminate all federally imposed mandates over the local budget process, financial management, and the borrowing of money (see H.R. 552), H638 [27JA]

Education: establish additional protections and disclosures for students and co-signers relative to student loans (see S. 1958), S6380 [5AU]

——— establish additional protections and disclosures for students and cosigners relative to student loans (see H.R. 3474), H5941 [10SE]

——— improve knowledge about the best practices for teaching financial literacy (see S. 781), S1628 [18MR]

——— require certain protections for student loan borrowers (see S. 840), S1708 [23MR]

——— simplify and improve Federal student loan program through income-contingent repayment to provide stronger protections for borrowers, encourage responsible borrowing, and save money for taxpayers (see H.R. 3695), H6835 [6OC]

Employment: prohibit use of consumer credit checks against prospective and current employees for the purpose of making adverse employment decisions (see S. 1981), S6380 [5AU] (see H.R. 3524), H6074 [16SE]

Families and domestic relations: clarify ability to use consumer reports in certain cases to establish and enforce child support payments (see S. 2077), S6938 [24SE] (see H.R. 2091), H2652 [29AP]

Federal aid programs: prohibit administrative offset of Social Security, railroad retirement, and black lung benefit payments with respect to claims arising from Federal debts (see S. 2387), S8602 [10DE]

——— prohibit administrative offset of Social Security benefit payments with respect to claims arising from Federal student loans (see H.R. 3967), H8151 [5NO]

Federal Housing Finance Agency: withdraw and study proposed rule on Federal Home Loan Bank membership (see H.R. 3808), H7137 [22OC]

FHA: ensure that any authority of the Mutual Mortgage Insurance Fund to borrow amounts from the Treasury is used only to pay mortgage insurance claims (see H.R. 982), H1068 [13FE]

Financial institutions: allow Federal savings associations to elect to operate as national banks (see H.R. 1660), H2108 [26MR]

——— clarify treatment of certain debt and equity instruments of smaller institutions for purposes of capital requirements (see H.R. 2987), H4955 [8JY]

——— establish deferred presentment transaction requirements (see H.R. 4018), H8240 [16NO]

——— establish standards for identity verification for non-U.S. persons opening bank accounts or applying for credit cards (see S. 52), S57 [7JA]

——— 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. 726), S1494 [12MR]

——— exclude credit union loans secured by certain non-owner occupied family dwellings from the definition of member business loan (see S. 1440), S3238 [21MY] (see H.R. 1422), H1767 [18MR]

——— expand eligibility to the Federal Home Loan Bank System to privately-insured credit unions to facilitate more loan opportunities (see S. 1367), S2971 [18MY]

——— expand the purposes of advances and collateral available to community development financial institutions (see H.R. 1355), H1635 [13MR]

——— improve accountability and transparency in the financial regulatory system, protect access to credit for consumers, and provide sensible relief to financial institutions (see S. 1484), S3456 [2JN]

——— improve regulation and the mortgage finance system (see H.R. 1389), H1720 [17MR]

——— limit ability of banks to engage in certain risky activities and conflicts of interest and restore certain provisions of law to separate investment banking from commercial banking (see S. 1709), S4686 [7JY] (see H.R. 3054), H5171 [14JY]

——— modify requirements for community financial institutions relative to certain mortgage loan rules (see H.R. 1529), H1847 [23MR]

——— permit certain current loans that would otherwise be treated as non-accrual loans as accrual loans for certain purposes (see H.R. 3109), H5291 [16JY]

——— provide certain credit unions with the authority to make additional member business loans (see H.R. 1188), H1524 [2MR]

——— provide exception from requirement for annual privacy notices for financial institutions which do not share personal information with affiliates (see S. 423), S899 [10FE] (see H.R. 601), H661 [28JA]

——— provide regulatory relief for certain financial institutions (see S. 927), S2172 [14AP]

——— provide specific credit risk retention requirements to certain qualifying collateralized loan obligations (see H.R. 4166), H9010 [3DE]

——— require a study of appropriate capital requirements for mortgage servicing assets for nonsystemic banking institutions (see H.R. 1408), H1721 [17MR]

——— require regulatory agencies to take risk profiles and business models of institutions into account when taking regulatory actions (see H.R. 2896), H4769 [25JN]

——— restore certain provisions of law to separate investment banking from commercial banking (see H.R. 381), H405 [14JA]

——— strengthen certain disclosure requirements for creditors (see H.R. 2129), H2767 [30AP]

Financial literacy: encourage greater public-private sector collaboration to promote for students and young adults (see H. Res. 232), H2654 [29AP]

——— provide grants to promote (see H.R. 346), H403 [14JA]

Financial Literacy Month: designate (see S. Res. 161), S2568 [30AP]

Financial Stability Oversight Council: strengthen review authority of regulations issued by Consumer Financial Protection Bureau (see H.R. 1263), H1610 [4MR]

Firearms: terminate Operation Choke Point or similar programs that infringe on ability of dealers and manufacturers of firearms and ammunition to access credit or other financial services (see S. 477), S982 [12FE] (see H.R. 1413), H1721 [17MR]

FRS: allow the Consumer Financial Protection Bureau to provide greater protection to servicemembers (see S. 1565), S4103 [11JN] (see H.R. 2979), H4955 [8JY]

——— establish a grant program in the Consumer Financial Protection Bureau to establish centers of excellence in financial literacy education for young adults and families (see H.R. 1866), H2306 [16AP]

——— establish Consumer Financial Protection Bureau application process for interested parties to apply for an area to be designated as a rural area (see S. 871), S2040 [26MR] (see H.R. 1259), H1610 [4MR]

——— 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. 1737), H2152 [13AP]

——— replace the Director of the Consumer Financial Protection Bureau with a 5-person commission and establish it as the Financial Product Safety Commission (see H.R. 1266), H1610 [4MR]

——— require Board of Governors to collect, publish, and keep current an objective index of dollar-denominated loan interest rates of various maturities (see H.R. 163), H42 [6JA]

——— require Consumer Financial Protection Bureau establishment of a qualified mortgage option for certain loans eligible for purchase by Federal Home Loan Banks (see S. 1974), S6380 [5AU]

Government regulations: clarify regulatory treatment of Federal Home Loan Bank products (see H.R. 3453), H5847 [8SE]

——— ensure access to certain information for financial services industry regulators (see S. 372), S772 [4FE] (see H.R. 1480), H1802 [19MR]

Government-sponsored enterprises: establish scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit (see S. 752), S1585 [17MR]

——— exercise clean-up call options under securities issued by Fannie Mae or Freddie Mac and prohibit new mortgage-backed securities to contain provisions for such options (see H.R. 1224), H1566 [3MR]

——— provide for repayment of amounts borrowed by Fannie Mae and Freddie Mac from the U.S. (see H.R. 1036), H1113 [24FE]

——— require Fannie Mae and Freddie Mac to establish procedures for considering certain credit scores when determining whether to purchase a residential mortgage (see H.R. 4211), H9269 [10DE]

Health care professionals: improve educational opportunities for physician assistants (see H.R. 3944), H8150 [5NO]

Higher Education Act: reauthorize (see H.R. 2192), H2769 [30AP]

Housing: ensure housing finance reform by prohibiting an increase in the guarantee fee to offset other spending and the sale of preferred shares of Government-sponsored enterprises (see S. 2038), S6699 [16SE]

——— permanently protect interests of tenants in the case of any foreclosure on any dwelling or residential real property (see S. 730), S1494 [12MR] (see H.R. 1354), H1635 [13MR]

——— reform the housing finance system (see H.R. 1491), H1802 [19MR]

Mortgages: allow certain loans that are not fully amortizing to be used in seller carryback financing on residential mortgage loans (see H.R. 162), H42 [6JA]

——— allow homeowners facing mortgage foreclosure to avoid deficiency judgments (see H.R. 1879), H2307 [16AP]

——— clarify that points and fees in connection with a mortgage loan do not include certain compensation amounts already taken into account in setting the interest rate on such loan (see H.R. 3393), H5767 [29JY]

——— establish programs to encourage use of shared equity mortgage modifications (see S. 1582), S4202 [16JN]

——— establish shared equity appreciation mortgage modification pilot programs (see H.R. 3519), H6074 [16SE]

——— improve definitions of points and fees in connection with a mortgage transaction (see H.R. 685), H755 [3FE]

——— improve definitions of points and fees in connection with a mortgage transaction (H.R. 685), consideration (see H. Res. 189), H2151 [13AP]

——— modify the definitions of a mortgage originator and a high-cost mortgage to preserve access to manufactured housing (see S. 682), S1383 [10MR] (see H.R. 650), H703 [2FE]

——— modify the definitions of a mortgage originator and a high-cost mortgage to preserve access to manufactured housing (H.R. 650), consideration (see H. Res. 189), H2151 [13AP]

——— provide a safe harbor from certain requirements relative to qualified mortgages for residential mortgage loans held on an originating depository institution’s portfolio (see H.R. 1210), H1565 [3MR]

——— provide a temporary license for certain mortgage loan originators transitioning between bank and nonbank entities (see H.R. 2121), H2654 [29AP]

——— provide that residential mortgage loans held on portfolio qualify as qualified mortgages relative to the presumption of ability to repay requirements (see H.R. 1113), H1368 [26FE]

——— require lender or servicer of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale (see H.R. 4182), H9011 [3DE]

——— require prompt response of a lender or servicer of homes in foreclosure to short sale offers to purchase such homes (see H.R. 3203), H5466 [23JY]

——— require servicers to establish a deed-for-lease program under which eligible mortgagors may remain in their homes as renters (see H.R. 1878), H2307 [16AP]

——— revoke Fannie Mae and Freddie Mac charters, temporarily create a Mortgage Finance Agency to secure mortgages until the transition to privatization, and protect against another housing collapse (see S. 495), S982 [12FE]

National Infrastructure Development Bank: establish (see H.R. 3337), H5764 [29JY]

Nonprofit organizations: clarify that organizations such as Habitat for Humanity can accept donated mortgage appraisals (see S. 1344), S2933 [14MY] (see S. 2085), S6974 [28SE] (see H.R. 3704), H6892 [7OC]

OPM: provide complimentary, comprehensive identity protection coverage to all individuals whose personally identifiable information was compromised during recent data breaches at Federal agencies (see S. 1746), S4953 [9JY] (see H.R. 3029), H5088 [10JY]

——— provide identity protection coverage and limit use of negatively impacted credit scores for individuals exposed to security breaches and establish a task force to mitigate effects of such breaches (see H.R. 3360), H5766 [29JY]

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. 1158), S2567 [30AP] (see H.R. 2977), H4955 [8JY]

——— protect consumers and businesses from identity theft and require notice of security breaches (see S. 961), S2220 [15AP]

——— protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information and require data breach notification (see S. 177), S201 [13JA] (see H.R. 580), H660 [28JA] (see H.R. 1704), H2110 [26MR]

——— protect financial information of consumers and require notice of security breaches (see H.R. 2205), H2791 [1MY]

Proprietary Education Oversight Coordination Committee: establish (see S. 396), S833 [5FE] (see H.R. 747), H852 [5FE]

Real estate: provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions (see S. 1711), S4686 [7JY] (see H.R. 3192), H5466 [23JY]

——— provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions (H.R. 3192), consideration (see H. Res. 462), H6835 [6OC]

SBA: allow use of physical damage disaster loans for the construction of tornado safe rooms (see H.R. 2397), H3308 [18MY]

——— amend funding levels for certain general business loans and modify loan limitations (see H.R. 3191), H5466 [23JY]

——— clarify collateral requirement for certain disaster-related loans (see S. 956), S2220 [15AP]

——— establish authorization levels for general business loans (see S. 1001), S2245 [16AP]

——— establish Export Credit Insurance Program (see S. 1546), S4021 [10JN]

——— extend availability of low-interest mortgage refinancing under the local development business loan program (see S. 966), S2221 [15AP] (see H.R. 2266), H2876 [12MY]

——— increase funding available for certain general business loans (see H.R. 3132), H5330 [21JY]

——— increase limitations on leverage for multiple licenses under common control (see S. 552), S1075 [24FE] (see H.R. 1023), H1113 [24FE]

——— make information relative to lenders making covered loans publicly available (see S. 967), S2221 [15AP]

——— reauthorize women’s business center program (see S. 2126), S7102 [1OC] (see H.R. 4027), H8279 [17NO]

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. 2542), H3560 [21MY]

——— 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. 3450), H5847 [8SE]

——— provide for the discharge of student loan obligations upon the death of the student borrower (see S. 1384), S3060 [19MY]

——— provide removal of default information from a borrower’s credit report relative to certain rehabilitated private education loans (see S. 1309), S2794 [12MY] (see H.R. 2363), H3251 [15MY]

Taxation: allow a credit for providing programs to kindergarten, elementary, and secondary students that promote economic and financial literacy (see H.R. 1801), H2268 [15AP]

——— allow qualified scholarship funding corporations to access tax-exempt financing for alternative private student loans (see H.R. 3822), H7174 [23OC]

——— exclude from gross income any discharge of consumer indebtedness (see H.R. 2640), H3877 [3JN]

——— exclude from gross income any discharge of student loan indebtedness (see S. 1947), S6379 [5AU] (see H.R. 2429), H3387 [19MY]

——— exclude from gross income any discharge of student loan indebtedness in connection with closures of educational institutions (see H.R. 3206), H5466 [23JY]

——— exclude from gross income the discharge of certain student loans of deceased or disabled veterans (see H.R. 1581), H1899 [24MR]

——— exclude from gross income the discharge of indebtedness income on student loans of deceased veterans (see H.R. 2874), H4650 [24JN]

——— extend deduction for mortgage insurance premiums (see H.R. 2162), H2768 [30AP]

——— increase amount allowed as a deduction for interest on education loans paid by married couples (see H.R. 3623), H6306 [28SE]

——— increase the deduction allowed for student loan interest (see H.R. 509), H532 [22JA]

——— make permanent the exclusion from gross income of discharges of qualified principal residence indebtedness (see H.R. 2166), H2768 [30AP]

——— permanently extend the private mortgage insurance tax deduction (see S. 1644), S4544 [23JN]

——— prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt (see S. 351), S736 [3FE] (see S. 608), S1201 [27FE]

——— provide for an energy equivalent of a gallon of diesel in the case of liquefied natural gas for purposes of the Inland Waterways Trust Fund financing rate (see S. 2378), S8546 [9DE] (see H.R. 3431), H5769 [29JY]

——— replace the mortgage interest deduction with a nonrefundable credit for indebtedness secured by a residence and invest revenue in low-income housing programs (see H.R. 1662), H2108 [26MR]

Truth in Lending Act: include requirements for the transfer of servicing of postsecondary student loans (see H.R. 3948), H8150 [5NO]

E-mails

Higher Education Extension Act: Mary Bodnar, S6993 [29SE]

——— Michael Bodnar, S6993 [29SE]

Letters

Child Support Assistance Act: Ann Marie Ruskin, National Child Support Enforcement Association, S6934 [24SE]

Commercial Real Estate and Economic Development (CREED) Act: R. Bruce Josten, U.S. Chamber of Commerce, S7797 [5NO]

——— Randy Griffin, CSRA Business Lending (business), S7797 [5NO]

——— Scott Gardiner, Granite State Development Corp., S7796 [5NO]

——— Stephen Ursich, Northeastern Economic Development Co., S7797 [5NO]

Higher Education Extension Act: Beverly Warren, Kent State University, S6993 [29SE]

——— James H. Page, University of Maine System, S6988 [29SE]

——— Marvin Krislov, Oberlin College & Conservatory, S6993 [29SE]

Homebuyers Assistance Act: Richard Cordray, Consumer Financial Protection Bureau, H6861, H6864 [7OC]

——— several organizations, H6855 [7OC]

——— several Representatives, H6849, H6861 [7OC]

Impact of Consumer Financial Protection Bureau rules on ability to repay mortgage on a manufactured home: J.D. Harper, Arkansas Manufactured Housing Association, H2184 [14AP]

Legislation providing regulatory relief for community banks: Camden R. Fine, Independent Community Bankers of America (organization), H8307 [18NO]

Mortgage Choice Act: several Representatives, H2194 [14AP]

Mortgage Servicing Asset Capital Requirements Act: Brad Thaler, National Association of Federal Credit Unions, H5140 [14JY]

Mortgage Servicing Asset Capital Requirements Act, Holding Company Registration Threshold Equalization Act, and Community Institution Mortgage Relief Act: James C. Ballentine, American Bankers Association, H5139 [14JY]

Reforming CFPB Indirect Auto Financing Guidance Act: Brian Wise, U.S. Consumer Coalition, H8300 [18NO]

——— Damon Lester, National Association of Minority Automobile Dealers, H8302 [18NO]

——— Dennis Gaudet and William Gurney, New Hampshire Automobile Dealers Association, Inc., H8300 [18NO]

——— Duane Taylor, Motorcycle Industry Council, H8299 [18NO]

——— Hilary O. Shelton, NAACP, H8302 [18NO]

——— Karen Kerrigan, Small Business & Entrepreneurship Council, H8299 [18NO]

——— Representative Waters, H8302 [18NO]

——— Representatives Ellison and Grijalva, H8302 [18NO]

——— several motor vehicle organizations, H8299 [18NO]

Reforming CFPB Indirect Auto Financing Guidance Act and Portfolio Lending and Mortgage Access Act: R. Bruce Josten, U.S. Chamber of Commerce, H8299 [18NO]

Motions

Mortgages: modify the definitions of a mortgage originator and a high-cost mortgage to preserve access to manufactured housing (H.R. 650), H2194 [14AP]

Real estate: provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions (H.R. 3192), H6868 [7OC]

Papers

Senators’ Questionable Claims About NSA Bulk Collection: Harley Geiger, Center for Democracy & Technology, S2752 [11MY]

Remarks in House

Armed Forces: extend mortgage, mortgage foreclosure, and eviction protections (H.R. 2475), E761 [20MY]

Bankruptcy: make privately issued student loans dischargeable (H.R. 1674), E446 [26MR]

——— stop abusive student loan collection practices in bankruptcy cases (H.R. 100), E2 [6JA]

Business and industry: provide regulatory relief to facilitate capital formation and to ensure greater consumer access to financial products and services, H7736, H7737 [4NO]

Colleges and universities: address increasing levels of student loan debt and default rates, H538 [26JA]

——— support efforts to ensure that students have access to debt-free higher education, H2368 [22AP], H3767 [3JN]

Consumers: protect from predatory payday loans, H2295 [16AP]

Dept. of Education: allow certain student loan borrowers to refinance current loans (H.R. 1131), E259 [26FE]

——— allow certain student loan borrowers to refinance current loans (H.R. 1434), H1865–H1867 [24MR], H2025, H2028 [25MR], H2411 [22AP], H2968 [14MY]

——— authorize borrowers of Federal Direct Loan Program loans to modify interest rate to be equal to interest rate at time of modification, H744 [3FE]

——— extend temporarily the Federal Perkins Loan Program (H.R. 3594), H6279–H6281 [28SE], E1383 [29SE]

——— extend temporarily the Federal Perkins Loan Program (H.R. 3594), Senate amendment, H9676 [17DE]

——— protect students from higher education costs and increased student loan interest rates, H1669 [17MR], H2024–H2029 [25MR], H2409–H2411 [22AP], H6883–H6890 [7OC]

——— support continuation of Federal Perkins Loan Program (H. Res. 294), H6280 [28SE]

Dept. of HUD: discount FHA single-family mortgage insurance premium payments for first-time homebuyers who complete financial literacy housing counseling program (H.R. 1908), E559 [22AP]

——— prohibit funding to enforce the Fair Housing Act in a manner that relies upon disparate impact to allege discrimination, H3979, H3980 [9JN]

Dept. of Justice: condemn Operation Choke Point activities that infringe on ability of certain industries to access credit or other financial services, H4372, H4375 [15JN]

——— prohibit funding for Operation Choke Point or similar programs that infringe on ability of dealers and manufacturers of firearms and ammunition to access credit or other financial services, H3672 [2JN], H3805, H3806 [3JN]

Dept. of Transportation: prohibit funding for Federal Railroad Administration Railroad Rehabilitation & Improvement Financing program to make any loan exceeding $600 million, H3896 [4JN]

District of Columbia: eliminate all federally imposed mandates over the local budget process, financial management, and the borrowing of money, H2266 [15AP]

——— eliminate all federally imposed mandates over the local budget process, financial management, and the borrowing of money (H.R. 552), E118 [27JA]

Eximbank: limit authorizations to countervailing purposes in order to meet competition from foreign export credit agencies, H7694, H7695 [4NO]

——— prohibit from providing guarantee or extending credit to foreign borrower in connection with export of goods or services by U.S. company unless the U.S. company guarantees repayment of certain percentage of loan, H7703–H7705 [4NO]

Families and domestic relations: clarify ability to use consumer reports in certain cases to establish and enforce child support payments (H.R. 2091), H6801, H6802 [6OC]

Financial institutions: provide exception from requirement for annual privacy notices for financial institutions which do not share personal information with affiliates (H.R. 601), H2120, H2121 [13AP]

——— require a study of appropriate capital requirements for mortgage servicing assets for nonsystemic banking institutions (H.R. 1408), H5137–H5140 [14JY]

——— restore certain provisions of law to separate investment banking from commercial banking (H.R. 381), H5165 [14JY], H8145 [5NO]

Financial Literacy Month: observance, H2361 [22AP]

FRS: call on Consumer Financial Protection Bureau to protect veterans from predatory payday loans, H7399 [3NO], H7637, H7638 [4NO], E1601, E1612 [5NO], E1626 [16NO]

——— clarify issuance of indirect auto lending guidance by Consumer Financial Protection Bureau in no way prohibits the enforcement of other fair lending laws by the Bureau, H8311 [18NO]

——— ensure costs or potential impacts to any veteran-owned business are considered and included for any future auto financing guidance issued by the Consumer Financial Protection Bureau, H8309, H8310 [18NO]

——— establish a grant program in the Consumer Financial Protection Bureau to establish centers of excellence in financial literacy education for young adults and families (H.R. 1866), E520 [16AP]

——— establish Consumer Financial Protection Bureau application process for interested parties to apply for an area to be designated as a rural area (H.R. 1259), H1571 [4MR], H2121–H2123 [13AP]

——— require Consumer Financial Protection Bureau conduct a study on potential costs and impact to rural consumers and businesses resulting from certain indirect auto financing guidance, H8310 [18NO]

Government regulations: effect of financial regulations on small community banks, H3237 [15MY]

——— maintain regulations on predatory lending practices against veterans, E1587 [4NO]

——— maintain regulations on predatory lending practices against veterans and active duty servicemembers, H825, H826 [5FE]

Housing: encourage homeownership among minorities, H9030 [8DE]

Huntington Beach, CA: tribute to NuVision Federal Credit Union, E342 [17MR]

Mortgages: allow homeowners facing mortgage foreclosure to expedite short sales, H5094 [13JY]

——— allow members of the Armed Forces and veterans to sue a predatory mortgage lender, H8320 [18NO]

——— improve definitions of points and fees in connection with a mortgage transaction (H.R. 685), H2188–H2194 [14AP], E495 [15AP]

——— improve definitions of points and fees in connection with a mortgage transaction (H.R. 685), consideration (H. Res. 189), H2165–H2171 [14AP]

——— modify the definitions of a mortgage originator and a high-cost mortgage to preserve access to manufactured housing (H.R. 650), H2178–H2188, H2194–H2197 [14AP], H2320, H2339 [21AP], E157 [3FE]

——— modify the definitions of a mortgage originator and a high-cost mortgage to preserve access to manufactured housing (H.R. 650), consideration (H. Res. 189), H2165–H2171 [14AP]

——— modify the definitions of a mortgage originator and a high-cost mortgage to preserve access to manufactured housing (H.R. 650), motion to recommit, H2195 [14AP]

——— prohibit predatory mortgage lenders from benefiting from modifications to definitions of a mortgage originator and a high-cost mortgage to preserve access to manufactured housing, H2195 [14AP]

Quicken Loans Inc.: anniversary, E978 [25JN]

Real estate: exempt servicemembers, veterans, seniors, students, and their families from proposed temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions, H6868 [7OC]

——— provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions (H.R. 3192), H6780 [1OC], H6845, H6858–H6869 [7OC], E1449, E1451 [8OC], E1457 [9OC]

——— provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions (H.R. 3192), consideration (H. Res. 462), H6848–H6856 [7OC]

——— provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions (H.R. 3192), motion to recommit, H6868 [7OC]

SBA: allow use of physical damage disaster loans for the construction of tornado safe rooms, E1633 [17NO]

——— increase funding available for certain general business loans, H5508–H5510 [27JY]

——— increase limitations on leverage for multiple licenses under common control (H.R. 1023), H5095, H5096 [13JY]

——— 7(a) loan program funding, H5342 [22JY]

Sumter, SC: anniversary of SAFE Federal Credit Union, H763 [4FE]

Taxation: exclude from gross income any discharge of student loan indebtedness (H.R. 2429), E751 [19MY]

——— exclude from gross income any discharge of student loan indebtedness in connection with closures of educational institutions (H.R. 3206), E1122 [23JY]

——— exclude from gross income the discharge of certain student loans of deceased or disabled veterans (H.R. 1581), H1856 [24MR]

——— increase amount allowed as a deduction for interest on education loans paid by married couples (H.R. 3623), H7197 [27OC]

Truth in Lending Act: restore private right of action by borrowers against leaders who act in bad faith, H6851–H6856 [7OC]

Wall Street Reform and Consumer Protection Act: impact on economy, H5337 [22JY]

Remarks in Senate

Armed Forces: extend mortgage, mortgage foreclosure, and eviction protections (S. 2393), S8618 [10DE]

Computers: improve cybersecurity in the U.S. to protect against and prevent cyber attacks, S233–S235 [16JA], S384–S386 [22JA]

Dept. of Education: allow adjunct faculty members to qualify for public service loan forgiveness under the Federal Direct Loan Program (S. 1556), S4106 [11JN]

——— allow certain student loan borrowers to refinance current loans, S1840–S1843 [25MR], S2209 [15AP]

——— allow certain student loan borrowers to refinance current loans (S. 793), S1632 [18MR]

——— establish a deficit-neutral reserve fund for a simplified income-driven student loan repayment plan and reducing overlapping student loan repayment plans, S1838, S1842 [25MR], S2209 [15AP]

——— establish a simplified income-driven student loan repayment plan, new and notification about repayment options, and loan forgiveness for the total and permanently disabled, S63 [7JA]

——— extend eligibility for Federal student loans to certain short-term career and technical education programs, S8460 [8DE]

——— extend temporarily the Federal Perkins Loan Program, S8590 [10DE]

——— extend temporarily the Federal Perkins Loan Program (H.R. 3594), S6988–S6990, S6992–S6994, S7001 [29SE], S7028–S7032, S7043 [30SE], S7398–S7404, S7408 [21OC], S8704–S8707, S8708 [16DE]

——— extend temporarily the Federal Perkins Loan Program (H.R. 3594), unanimous-consent request, S7029 [30SE], S7398 [21OC]

——— improve determination of cohort default rates, provide for enhanced civil penalties, and require executives and owners to assume liability relative to for-profit colleges, S8448 [8DE]

——— provide for institutional risk sharing in the Federal student loan programs (S. 1102), S2433 [27AP]

——— revise counseling requirements for certain student loan borrowers (S. 2043), S6702 [16SE]

——— support continuation of Federal Perkins Loan Program (S. Res. 267), S6989 [29SE], S7028 [30SE]

Economy: national objectives priority assignments, S36 [7JA]

Education: establish a deficit-neutral reserve fund to promote financial literacy education, S1967 [26MR]

Federal agencies and departments: identify and prevent improper payments and identify strategic sourcing opportunities by reviewing and analyzing use of agency charge cards (S. 1616), S8728 [16DE]

Federal aid programs: prohibit administrative offset of Social Security, railroad retirement, and black lung benefit payments with respect to claims arising from Federal debts (S. 2387), S8604 [10DE]

Financial institutions: exclude credit union loans secured by certain non-owner occupied family dwellings from the definition of member business loan (S. 1440), S3243 [21MY]

——— provide exception from requirement for annual privacy notices for financial institutions which do not share personal information with affiliates, S8335 [3DE]

Financial literacy: encourage greater public-private sector collaboration to promote for students and young adults, S8561 [9DE]

Financial Literacy Month: designate (S. Res. 161), S2589 [30AP]

FRS: allow the Consumer Financial Protection Bureau to provide greater protection to servicemembers (S. 1565), S4109 [11JN]

——— replace the Director of the Consumer Financial Protection Bureau with a 5-person commission, S5443 [22JY]

——— require Consumer Financial Protection Bureau establishment of a qualified mortgage option for certain loans eligible for purchase by Federal Home Loan Banks (S. 1974), S6389 [5AU]

Government-sponsored enterprises: reform, S5443 [22JY]

Higher Education Act: reauthorize, S3667 [3JN]

Mortgages: provide secondary mortgage reform by establishing the Federal Mortgage Insurance Corp., abolishing the Federal Housing Finance Agency, and phasing out housing Government-sponsored enterprises, S8760 [17DE]

Privacy: establish a deficit-neutral reserve fund to protect consumer personal information from data breaches, S1974 [26MR]

——— prevent identity theft, ensure privacy, and enhance penalties, law enforcement, and protections against security breaches, fraudulent access, and misuse of personally identifiable information (S. 1158), S2577 [30AP], S2751 [11MY], S6267 [4AU], S7396 [21OC]

SBA: establish a deficit-neutral reserve fund to increase the guarantee threshold for the surety bonds guarantee program, S1967 [26MR]

——— establish a deficit-neutral reserve fund to raise the limit a ‘‘family of funds’’ can borrow with a Small Business Investment Company Program guarantee, S1967 [26MR]

——— extend availability of low-interest mortgage refinancing under the local development business loan program (S. 966), S7796–S7798, S7800 [5NO]

——— extend availability of low-interestmortgage refinancing under the local development business loan program (S. 966), unanimous-consent request, S7798–S7800 [5NO]

——— increase limitations on leverage for multiple licenses under common control (S. 552), S1078 [24FE], S7796, S7797, S7800 [5NO]

——— increase limitations on leverage for multiple licenses under common control (S. 552), unanimous-consent request, S7798–S7800 [5NO]

——— reauthorize women’s business center program (S. 2126), S7119 [5OC]

——— 7(a) loan program funding, S5677 [24JY]

Taxation: establish a deficit-neutral reserve fund to extend certain expiring tax provisions of the Internal Revenue Code, S1875 [25MR]

Veterans: commend availability of benefits under the GI Bill, S7897 [10NO]

Wall Street Reform and Consumer Protection Act: impact on economy, S5198 [21JY], S5442–S5444 [22JY]

Reports filed

Child Support Assistance Act: Committee on Financial Services (House) (H.R. 2091) (H. Rept. 114–282), H6834 [6OC]

Commercial Real Estate and Economic Development (CREED) Act: Committee on Small Business and Entrepreneurship (Senate) (S. 966), S4021 [10JN]

Communicating Lender Activity Reports From the Small Business Administration (CLEAR SBA) Act: Committee on Small Business and Entrepreneurship (Senate) (S. 967), S4021 [10JN]

Community Institution Mortgage Relief Act: Committee on Financial Services (House) (H.R. 1529) (H. Rept. 114–57), H2151 [13AP]

Consideration of H.R. 650, Preserving Access to Manufactured Housing Act and H.R. 685, Mortgage Choice Act: Committee on Rules (House) (H. Res. 189) (H. Rept. 114–65), H2151 [13AP]

Consideration of H.R. 1210, Portfolio Lending and Mortgage Access Act and H.R. 3189, Fed Oversight Reform and Modernization (FORM) Act: Committee on Rules (House) (H. Res. 529) (H. Rept. 114–341), H8279 [17NO]

Consideration of H.R. 1737, Reforming CFPB Indirect Auto Financing Guidance Act and H.R. 511, Tribal Labor Sovereignty Act: Committee on Rules (House) (H. Res. 526) (H. Rept. 114–340), H8239 [16NO]

Consideration of H.R. 3192, Homebuyers Assistance Act: Committee on Rules (House) (H. Res. 462) (H. Rept. 114–289), H6835 [6OC]

Eliminate Privacy Notice Confusion Act: Committee on Financial Services (House) (H.R. 601) (H. Rept. 114–59), H2151 [13AP]

Financial Regulatory Improvement Act: Committee on Banking, Housing, and Urban Affairs (Senate) (S. 1484), S3455 [2JN]

Helping Expand Lending Practices in Rural Communities Act: Committee on Financial Services (House) (H.R. 1259) (H. Rept. 114–60), H2151 [13AP]

Homebuyers Assistance Act: Committee on Financial Services (House) (H.R. 3192) (H. Rept. 114–278), H6786 [1OC]

Mortgage Choice Act: Committee on Financial Services (House) (H.R. 685) (H. Rept. 114–54), H2151 [13AP]

Portfolio Lending and Mortgage Access Act: Committee on Financial Services (House) (H.R. 1210) (H. Rept. 114–330), H8238 [16NO]

Preserving Access to Manufactured Housing Act: Committee on Financial Services (House) (H.R. 650) (H. Rept. 114–53), H2151 [13AP]

Reforming CFPB Indirect Auto Financing Guidance Act: Committee on Financial Services (H.R. 1737) (H. Rept. 114–329), H8238 [16NO]

SAFE Act Confidentiality and Privilege Enhancement Act: Committee on Financial Services (House) (H.R. 1480) (H. Rept. 114–62), H2151 [13AP]

Saving Federal Dollars Through Better Use of Government Purchase and Travel Cards Act: Committee on Homeland Security and Governmental Affairs (Senate) (S. 1616) (S. Rept. 114–174), S8492 [8DE]

SBA Authorization Levels for General Business Loans Establishment: Committee on Small Business and Entrepreneurship (Senate) (S. 1001), S4021 [10JN]

Servicemember Foreclosure Protections Extension Act: Committee on Veterans’ Affairs (House) (H.R. 189) (H. Rept. 114–356), H8859 [1DE]

Small Business Investment Capital Company Act: Committee on Small Business and Entrepreneurship (Senate) (S. 552), S4021 [10JN]

Small Business Investment Company Capital Act: Committee on Small Business (House) (H.R. 1023) (H. Rept. 114–189), H4768 [25JN]

Women’s Small Business Ownership Act: Committee on Small Business and Entrepreneurship (Senate) (S. 2126), S7271 [8OC]

Statements

Homebuyers Assistance Act: Executive Office of the President, H6850, H6862 [7OC]

Portfolio Lending and Mortgage Access Act: Executive Office of the President, H8295 [18NO]

Task Force on Government Regulation of Higher Education: Senator Alexander, Committee on Health, Education, Labor, and Pensions (Senate), S1101–S1103 [25FE]

Summaries

Financial Aid Simplification and Transparency Act (S. 108), S65 [7JA], S3669 [3JN]

Home Foreclosure Reduction Act (H.R. 101), E6–E8 [6JA]

Texts of

H. Res. 189, consideration of H.R. 650, Preserving Access to Manufactured Housing Act and H.R. 685, Mortgage Choice Act, H2165 [14AP]

H. Res. 462, consideration of H.R. 3192, Homebuyers Assistance Act, H6848 [7OC]

H. Res. 526, consideration of H.R. 1737, Reforming CFPB Indirect Auto Financing Guidance Act and H.R. 511, Tribal Labor Sovereignty Act, H8254 [17NO]

H. Res. 529, consideration of H.R. 1210, Portfolio Lending and Mortgage Access Act and H.R. 3189, Fed Oversight Reform and Modernization (FORM) Act, and clarify House proceedings and actions during November district work period, H8292 [18NO]

H.R. 601, Eliminate Privacy Notice Confusion Act, H2121 [13AP]

H.R. 685, Mortgage Choice Act, H2188 [14AP]

H.R. 1023, Small Business Investment Company Capital Act, H5095 [13JY]

H.R. 1210, Portfolio Lending and Mortgage Access Act, H8312 [18NO]

H.R. 1259, Helping Expand Lending Practices in Rural Communities Act, H2122 [13AP]

H.R. 1408, Mortgage Servicing Asset Capital Requirements Act, H5137 [14JY]

H.R. 1737, Reforming CFPB Indirect Auto Financing Guidance Act, H8309 [18NO]

H.R. 2091, Child Support Assistance Act, H6801 [6OC]

H.R. 3192, Homebuyers Assistance Act, H6858 [7OC]

H.R. 3594, Federal Perkins Loan Program Extension Act, S8708 [16DE], H9676 [17DE]

H.R. 3594, Higher Education Extension Act, H6279 [28SE]

S. 396, Proprietary Education Oversight Coordination Improvement Act, S834–S836 [5FE]

S. 729, Fairness for Struggling Students Act, S1497 [12MR]

S. 838, Protecting Consumers From Unreasonable Credit Rates Act, S1710 [23MR]

S. 840, Student Loan Borrower Bill of Rights, S1712–S1716 [23MR]

S. 871, Helping Expand Lending Practices in (HELP) Rural Communities Act, S2048 [26MR]

S. 1440, Credit Union Residential Loan Parity Act, S3243 [21MY]

S. 1556, Adjunct Faculty Loan Fairness Act, S4107 [11JN]

S. 1557, Servicemember Student Loan Affordability Act, S4107 [11JN]

S. 1616, Saving Federal Dollars Through Better Use of Government Purchase and Travel Cards Act, S8728 [16DE]

S. 2387, Protection of Social Security Benefits Restoration Act, S8604 [10DE]

S. 2393, Foreclosure Relief and Extension for Servicemembers Act, S8618 [10DE]

S. Res. 143, support efforts to ensure that students have access to debt-free higher education, S2306 [21AP]

S. Res. 161, Financial Literacy Month, S2581 [30AP]

S. Res. 267, support continuation of Dept. of Education Federal Perkins Loan Program, S6941 [24SE]