FINANCIAL INSTITUTIONS

Addresses

Installation of the ‘‘Fearless Girl’’ Statue at the New York Stock Exchange: Cyrus Taraporevala, E140 [6FE]

Amendments

Consumer Financial Protection Bureau: require to meet its statutory purpose (H.R. 1500), H4086, H4087, H4088, H4090, H4091, H4092, H4093, H4094, H4096, H4097, H4098, H4099, H4100, H4101, H4102, H4103 [22MY]

——— require to meet its statutory purpose (H.R. 1500), consideration (H. Res. 389), H4030 [21MY]

Corporations: disclose beneficial owners of newly incorporated entities to prevent exploitation for criminal gain and assist law enforcement with terrorism and money laundering prevention (H.R. 2513), consideration (H. Res. 646), H8314 [22OC]

——— require disclosure of beneficial owners of newly incorporated entities to prevent exploitation for criminal gain and assist law enforcement with terrorism and money laundering prevention (H.R. 2513), H8335, H8336, H8337, H8338 [22OC]

Native Americans: provide industry and economic development opportunities to Indian communities (S. 212), S4639, S4650 [27JN]

U.S. Export Finance Agency: reauthorize, reform, and rename Eximbank (H.R. 4863), H8860, H8861, H8862, H8863, H8865, H8866, H8867, H8868 [14NO], H8885, H8886, H8887, H8888, H8890, H8891, H8892, H8893 [15NO]

——— reauthorize, reform, and rename Eximbank (H.R. 4863), consideration (H. Res. 695), H8843 [14NO]

Articles and editorials

CARD Act Turns 10—Changes Have Kept Money in Consumers’ Pockets, H4077 [22MY]

Congress Is Sabotaging Your Post Office, H5136–H5138 [25JN]

Government Shutdown 2019—Homebuyers With USDA Mortgages Can’t Close on House Sales, H308 [9JA]

How Ukranian Oligarchs Secretly Became the Largest Real Estate Owners in Downtown Cleveland, H7910 [25SE]

No Benefit to a Beneficial Ownership Reporting System That Increases America’s Over-Incarceration Problem and Fails To Adequately Protect Privacy, H8322 [22OC]

Bills and resolutions

Bankruptcy: make private and Federal student loans dischargeable (see S. 1414), S2770 [9MY] (see H.R. 2648), H3679 [9MY]

——— make privately issued student loans dischargeable (see H.R. 885), H1333 [30JA]

——— make student loans dischargeable (see H.R. 770), H1210 [24JA] (see H.R. 4750), H8258 [18OC]

Business and industry: prohibit large technology companies from being a financial institution, or being affiliated with a person that is a financial institution, through development of digital currencies (see H.R. 4813), H8455 [23OC]

——— restore separation between banking and commerce by limiting financial activity revenue of non-financial firms and bank ownership of commodities (see H.R. 5180), H9057 [19NO]

CFTC: clarify clearing exemption for small financial institutions (see H.R. 4604), H8094 [4OC]

——— eliminate double-sided confirmation requirement for swap data repositories (see H.R. 4247), H7558 [9SE]

——— help end-users better utilize derivatives markets by refining definition of financial entity, clarifying how affiliates can utilize end-user exception, and harmonizing clearing and margin exemptions (see H.R. 4726), H8227 [17OC]

——— provide for cooperation with foreign regulators (see H.R. 4696), H8198 [16OC]

China: impose sanctions and prohibit visas for those who participate in illegal operations in the South China Sea and East China Sea (see S. 1634), S3104 [23MY] (see H.R. 3508), H5200 [26JN]

Colleges and universities: create consistent servicing and disclosure standards across private and Federal student loans (see S. 1354), S2688 [7MY]

——— require private educational lenders to obtain certain certifications from institutions of higher education (see S. 2184), S4948 [18JY]

Commission on Americans Living Abroad: establish (see H.R. 4363), H7753 [17SE]

Community banks: provide relief and promote their access to capital (see S. 1233), S2515 [30AP]

Consumer Financial Protection Bureau: bring into the regular appropriations process (see S. 453), S1275 [12FE] (see H.R. 969), H1361 [5FE]

——— eliminate (see S. 1335), S2645 [6MY]

——— establish Office for Under-Banked, Un-Banked, and Underserved Consumers (see H.R. 1285), H2032 [14FE]

——— extend supervisory authority to include assessing compliance with the Military Lending Act (see H.R. 442), H461 [10JA] (see H.R. 2904), H4117 [22MY]

——— identify causes leading to, and solutions for, under-banked, un-banked, and underserved consumers (see H.R. 4067), H7467 [25JY]

——— issue rules to establish standards for reporting information related to student loans to consumer reporting agencies (see H.R. 5294), H9255 [4DE]

——— provide that final rule on home mortgage disclosure shall have no force or effect (see H.R. 72), H203 [3JA]

——— report to Congress on consumer debt collection complaints and enforcement actions and prohibit issuance of proposed rule relative to communications in connection with debt collection (see H.R. 4664), H8111 [11OC]

——— require Senate confirmation of Inspector General (see S. 187), S293 [17JA]

——— require to meet its statutory purpose (see H.R. 1500), H2366 [5MR]

——— require to meet its statutory purpose (H.R. 1500), consideration (see H. Res. 389), H4009 [20MY]

Consumers: call for banking and consumer agencies to work with customers affected by the Government shutdown to address short-term financial hardship and long-term creditworthiness damage (see H. Res. 77), H1217 [25JA]

——— clarify that the definition of a debt collector includes a person in a business with the principal purpose of enforcement of security interests (see H.R. 5001), H8738 [8NO]

——— eliminate mandatory predispute arbitration agreements for consumer financial product or service disputes (see S. 630), S1594 [28FE]

——— improve debt collection practices protections (see H.R. 5021), H8739 [8NO]

——— limit overdraft fees and establish fair and transparent practices relative to marketing and provision of overdraft coverage programs at depository institutions (see S. 1595), S3058 [22MY] (see H.R. 4254), H7559 [9SE]

——— prevent deceptive and harassing practices when collecting debt owed to a State or local government, index award of debt collection damages for inflation, and prohibit referral of emergency individual assistance debt (see H.R. 3948), H7377 [24JY]

——— prohibit debt collectors from collecting, or attempting to collect, on a consumer debt of which the statute of limitations has expired (see H.R. 5034), H8782 [12NO]

——— provide enhanced protection against debt collector harassment of Armed Forces members (see H.R. 5003), H8738 [8NO]

——— provide that the consumer transaction account deposits of an insured depository institution are not considered to be funds obtained by or through a deposit broker (see S. 3108), S7207 [19DE] (see H.R. 4501), H8052 [26SE]

——— restrict debt collection practices of certain debt collectors (see S. 2516), S5602 [19SE] (see H.R. 4403), H7834 [19SE]

Corp. for National and Community Service: authorize grant program that strengthens capacity of community development financial institutions through alignment with national service participants (see S. 884), S1987 [26MR] (see H.R. 3845), H7150 [18JY]

Corporations: disclose beneficial owners of newly incorporated entities to prevent exploitation for criminal gain and assist law enforcement with terrorism and money laundering prevention (H.R. 2513), consideration (see H. Res. 646), H8297 [21OC]

——— require disclosure of beneficial owners of newly incorporated entities to prevent exploitation for criminal gain and assist law enforcement with terrorism and money laundering prevention (see S. 1889), S3651 [18JN] (see S. 1978), S4566 [26JN] (see H.R. 2513), H3447 [3MY]

Credit: clarify exclusion for seller-financers from the definition of mortgage originator to improve access to affordable housing in rural communities and promote safe seller financing transactions (see H.R. 1036), H1458 [7FE]

——— clarify Federal law relative to reporting positive consumer credit information to consumer reporting agencies (see S. 1828), S3475 [13JN] (see H.R. 4231), H7535 [6SE]

——— clarify seasoning requirements for certain refinanced mortgage loans to allow pooling of Dept. of Veterans Affairs loans through Ginnie Mae (see S. 1749), S3251 [5JN] (see H.R. 1988), H2917 [28MR]

——— empower States to set maximum annual percentage rates applicable to consumer credit transactions (see S. 1006), S2239 [3AP]

——— ensure that consumer credit reporting agencies are providing fair and accurate information reporting in consumer reports (see H.R. 5332), H9345 [6DE]

——— establish a national usury rate for consumer credit transactions (see S. 1230), S2485 [29AP] (see S. 1389), S2770 [9MY] (see H.R. 2930), H4118 [22MY]

——— exclude from credit reports medical debt for medically necessary procedures, provide for a timetable for verification of medical debt, and increase efficiency of credit markets with more perfect information (see H.R. 5330), H9294 [5DE]

——— 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 S. 1581), S3005 [21MY]

——— expand access to mortgages for self-employed and other creditworthy individuals with non-traditional forms of income by expanding types of documentation used to verify income (see S. 540), S1437 [25FE] (see H.R. 2445), H3403 [1MY]

——— fix consumer report dispute process and ban misleading and unfair consumer reporting practices (see H.R. 3642), H5302 [9JY]

——— improve regulation of consumer reporting agencies and protect consumers (see H.R. 3821), H7149 [18JY]

——— improve regulation of ‘‘payday’’ lending by ensuring consumers control their own bank accounts, increasing transparency, and banning lead generators and anonymously registered websites in payday lending (see S. 656), S1659 [5MR] (see H.R. 1509), H2366 [5MR]

——— prohibit distribution of checks or other negotiable instrument as part of a solicitation by a creditor for an extension of credit and limit liability of consumers in conjunction with such solicitations (see S. 3036), S7026 [12DE]

——— require consumer reporting agencies to obtain a consumer’s authorization to release certain personal information and prevent unauthorized access to consumer reports and personal information (see S. 2685), S6092 [23OC]

——— require creditors to request demographic information from applicants for certain types of credit in order to prevent discriminatory lending practices relative to those applicants (see S. 1205), S2435 [11AP] (see H.R. 2324), H3270 [15AP]

Credit unions: exclude extensions of credit made to veterans from the definition of a member business loan (see S. 2834), S6507 [12NO] (see H.R. 2305), H3263 [12AP]

Crime: acknowledge that lack of sunlight and transparency in financial transactions and corporate formation poses a threat to national and economic security and support efforts to close related loopholes (see H. Res. 206), H2614 [8MR]

——— stop financial institution crime, conduct due diligence relative to criminal conduct or civil fraud, and create accountability in deferred prosecution agreements (see S. 1005), S2239 [3AP]

Cuba: allow financing by U.S. persons of sales of agricultural commodities to Cuba (see S. 1447), S2815 [14MY]

Dept. of Commerce: establish a working group to recommend to Congress a definition of blockchain technology (see S. 553), S1492 [26FE] (see H.R. 1361), H2232 [26FE]

Dept. of Education: 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. 2186), H3217 [9AP]

——— carry out program permitting institutions of higher education to cosign Federal student loans for students attending the institution (see H.R. 3786), H5911 [16JY]

——— develop a manual of common procedures and policies for companies that service or collect student loans (see H.R. 3519), H5201 [26JN]

——— disapprove rule on borrower defense institutional accountability (see S.J. Res. 56), S5748 [26SE] (see H.J. Res. 76), H8054 [26SE]

——— establish a student loan borrower bill of rights and require creditors obtain private loan cetifications from institutions of higher education (see H.R. 5294), H9255 [4DE]

——— forgive outstanding Federal and private student loans (see H.R. 3448), H5075 [24JN]

——— provide for refinancing and recalculation of certain Federal student loans (see H.R. 1899), H2884 [27MR]

——— remove all adverse credit history relative to a student loan from a borrower who has rehabilitated the loan (see H.R. 4869), H8538 [28OC]

——— remove barriers to higher education for homeless and foster youth by improving financial aid process and outreach programs and providing in-State tuition and access to housing resources (see S. 789), S1845 [13MR] (see H.R. 1724), H2716 [13MR]

——— require assurances by recipients receiving assistance under Talent Search and Upward Bound Programs relative to activities for homeless and foster youth (see H.R. 2270), H3255 [10AP]

——— 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. 3027), H4171 [24MY]

——— restore fairness in education financing through student loan forgiveness, Federal student loan interest rate caps, and refinancing opportunities for private borrowers (see H.R. 3257), H4693 [13JN]

——— revise counseling requirements for certain student loan borrowers (see S. 887), S2042 [27MR] (see S. 1496), S2884 [15MY] (see H.R. 2129), H3128 [8AP]

——— revitalize Student Aid Enforcement Unit to reduce fraud and abuse in Federal student aid programs (see H.R. 4497), H7989 [25SE]

Dept. of HHS: provide for participation of physical therapists in National Health Service Corps loan repayment program (see S. 970), S2118 [1AP] (see H.R. 2802), H3923 [16MY]

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. 2162), H3216 [9AP]

——— make housing more affordable (see S. 787), S1845 [13MR] (see H.R. 1737), H2716 [13MR]

——— make necessary reforms to improve compliance with loss mitigation requirements by servicers of mortgages for single family housing insured by the FHA (see S. 2279), S5107 [25JY] (see H.R. 3958), H7462 [25JY]

Dept. of the Treasury: amend duties of Financial Crimes Enforcement Network to ensure cooperation with tribal law enforcement, protection against terrorism, and focus on virtual currencies (see S. 582), S1540 [27FE] (see H.R. 1414), H2271 [27FE]

——— carry out a study on use of emerging technologies within Financial Crimes Enforcement Network (see H.R. 2613), H3678 [9MY]

——— direct IMF U.S. Executive Director to support capacity of IMF to prevent money laundering and financing of terrorism (see H.R. 4367), H7754 [17SE]

——— establish a Financial Agent Mentor-Protege Program (see H.R. 5315), H9293 [5DE]

——— establish Office of Black and Community Banks and codify Minority Bank Deposit Program (see H.R. 41), H202 [3JA]

——— establish U.S. Employee Ownership Bank (see S. 1661), S3105 [23MY] (see H.R. 2983), H4162 [23MY]

——— improve transparency of the Financial Stability Oversight Council and improve the systemically important financial institution (SIFI) designation process (see S. 603), S1593 [28FE] (see H.R. 3561), H5256 [27JN]

——— include State insurance commissioner as a voting member of Financial Stability Oversight Council (see S. 1298), S2613 [2MY] (see H.R. 2479), H3439 [2MY]

——— modernize and strengthen criminal laws against money laundering, update counterfeiting statutes, and enhance tools to crack down on smugglers and tax evaders to combat terrorism and organized crime (see S. 1883), S3651 [18JN]

——— modernize and strengthen criminal laws against money laundering and financing of terrorism (see S. 2563), S5747 [26SE]

——— pay rewards to help identify and recover stolen assets linked to foreign government corruption and proceeds of such corruption hidden behind complex financial structures in the U.S. and abroad (see H.R. 389), H357 [9JA]

——— preserve independent funding for Office of Financial Research, establish minimum staffing levels for Financial Stability Oversight Council, and establish minimum funding levels for such staff (see H.R. 5300), H9255 [4DE]

——— preserve independent funding of Office of Financial Research (see H.R. 3871), H7161 [22JY]

——— reform anti-money laundering laws (see H.R. 2514), H3447 [3MY]

——— repeal Office of Financial Research (see S. 1478), S2883 [15MY] (see H.R. 2743), H3840 [15MY]

——— require the Financial Crimes Enforcement Network to issue an advisory about how homegrown violent extremists and other perpetrators of domestic terrorism procure firearms and firearm accessories (see H.R. 5132), H8909 [15NO]

——— streamline requirements for currency transaction and suspicious activity reports (see H.R. 1039), H1458 [7FE]

——— take more prominent role in coordinating U.S. anti-money laundering and counter-terrorist financing policy and examinations (see H.R. 1038), H1458 [7FE]

——— update dollar amount thresholds for certain currency transaction and suspicious activity reports (see H.R. 388), H357 [9JA]

Dept. of Veterans Affairs: carry out a grant program for veterans to become appraisers for home loans (see H.R. 3752), H5824 [15JY]

Drugs: create protections for depository institutions that provide financial services to legitimate marijuana-related businesses (see S. 1200), S2434 [11AP] (see H.R. 1595), H2582 [7MR]

——— reduce gap between Federal and State marijuana policy (see S. 421), S1133 [7FE] (see H.R. 1119), H1491 [8FE]

Education: establish additional protections and disclosures for students and co-signers relative to student loans (see S. 2405), S5249 [31JY]

——— provide for discharge of a private education loan in the case of death or total and permanent disability of a student obligor (see H.R. 4545), H8079 [27SE]

Eximbank: abolish (see H.R. 1910), H2884 [27MR]

——— amend charter to create the Office of Territorial Exporting (see H.R. 3242), H4627 [12JN]

——— authorize use of a certain percentage of profits for administrative expenses (see H.R. 4450), H7865 [20SE]

——— condition financing for export of U.S. nuclear technology, material, and services to Saudi Arabia on establishing a stringent nonproliferation nuclear agreement (see S. 2338), S5196 [30JY]

——— extend authority and modify quorum requirement (see S. 2293), S5107 [25JY]

——— modernize and reform to strengthen U.S. competitiveness (see H.R. 3407), H5036 [21JN]

——— prohibit from providing financial support for certain high carbon intensity energy projects (see H.R. 4961), H8718 [31OC]

——— prohibit provision of financing to persons with seriously delinquent tax debt (see S. 2222), S5012 [23JY]

FDIC: clarify definition of a deposit broker (see H.R. 2572), H3499 [8MY]

——— clarify exclusions from definition of a deposit broker (see H.R. 907), H1334 [30JA]

——— exclude affiliates and subsidiaries of insured depository institutions from the definition of deposit broker (see S. 3111), S7207 [19DE]

Federal agencies and departments: require certain financial regulators to carry out independent study of regulated entities’ processes for allowing third parties to access consumer-authorized financial data (see H.R. 4047), H7466 [25JY]

Federal employees: provide favorable credit under the Community Reinvestment Act to banks that provide assistance to furloughed Federal employees and contractors impacted by a Government shutdown (see H.R. 800), H1217 [25JA]

Federal Financial Institutions Examination Council: clarify Appraisal Subcommittee treatment of appraisal management company registry and trainee fees and assist with appraiser qualification criteria compliance (see H.R. 3619), H5272 [5JY]

——— provide designees of Dept. of Veterans Affairs and Dept. of Agriculture Rural Housing Service with positions on Appraisal Subcommittee (see S. 3050), S7027 [12DE]

Federal Home Loan Banks: provide investment authority to support rural infrastructure development (see S. 619), S1593 [28FE] (see H.R. 2391), H3303 [29AP]

Financial literacy: encourage greater public-private sector collaboration to promote for students and young adults (see H. Res. 327), H3284 [25AP]

——— improve for secondary school students (see S. 155), S273 [16JA] (see H.R. 2974), H4161 [23MY]

Financial Literacy Month: designate (see S. Res. 168), S2435 [11AP]

——— support goals and ideals (see H. Res. 275), H2938 [1AP]

FRS: establish Climate Risk Scenario Technical Development Group to develop financial risk analyses relative to climate change (see S. 2903), S6717 [20NO] (see H.R. 5194), H9120 [20NO]

——— modify registration and supervision of insurance savings and loan holding companies (see S. 3123), S7207 [19DE]

——— prohibit certain member banks from using discount window lending programs (see S. 821), S1898 [14MR] (see H.R. 2079), H3099 [4AP]

——— provide relief to nonbanks from certain stress test requirements (see H.R. 3987), H7463 [25JY]

——— report on cybersecurity efforts (see H.R. 4458), H7900 [24SE]

——— require an audit of the Board of Governors and Federal Reserve banks (see S. 148), S273 [16JA] (see H.R. 24), H201 [3JA]

——— require Board of Governors to carry out a quantitative impact study of any proposed real-time payment system under the Faster Payments Initiative prior to implementation (see H.R. 3939), H7376 [24JY]

——— require Board of Governors to satisfy certain requirements before providing any new payment service, or substantially changing or expanding any existing payment service (see H.R. 3928), H7376 [24JY]

——— require Board of Governors Vice Chairman for Supervision to provide a written report (see H.R. 974), H1361 [5FE]

——— require Federal reserve banks to interview one individual reflective of gender diversity and one individual reflective of racial or ethnic diversity when appointing Federal reserve bank presidents (see S. 65), S103 [9JA] (see H.R. 281), H281 [8JA]

——— require implementation of a real-time payments system by financial institutions to ensure immediate availability of deposited funds (see S. 2243), S5062 [24JY] (see H.R. 3951), H7377 [24JY]

——— revise the transfers and withdrawals limit relative to savings deposits and transaction accounts (see H.R. 5460), H10609 [17DE]

FTC: enforce prohibitions on debt collection, evictions, foreclosures, credit downgrades, and other actions to protect the public from harmful consequences of the Federal Government shutdown (see H.R. 819), H1242 [28JA]

——— establish Office of Fair Lending Testing to test for compliance with laws prohibiting credit discrimination, strengthen such laws, and provide criminal penalties for violations of such laws (see H.R. 166), H207 [3JA]

GAO: conduct study on how virtual currencies and online marketplaces are used to facilitate sex and drug trafficking (see S. 410), S1133 [7FE] (see H.R. 502), H517 [11JA]

Government regulations: ensure Federal financial regulators perform comprehensive review of regulations to identify outdated or unnecessary regulatory requirements imposed on financial institutions (see H.R. 3198), H4431 [11JN]

——— ensure that well-capitalized banks can accept custodial deposits without facing additional requirements or heightened scrutiny so that such banks may more readily make loans in their community (see H.R. 4384), H7773 [18SE]

——— establish a FinTech Council to designate a single primary regulator of eligible FinTech startups and create Offices of Financial Innovation (see H.R. 1491), H2322 [4MR]

——— establish or modify requirements relative to minority depository institutions, community development financial institutions, and impact banks (see H.R. 5322), H9293 [5DE]

——— establish requirements for bank mergers (see H.R. 5318), H9293 [5DE]

——— improve examination of depository institutions (see S. 2649), S5922 [21OC]

——— improve swap execution facility administration and swap entity compliance (see H.R. 4717), H8226 [17OC]

——— promote innovation in financial services by modernizing the regulatory framework to reduce barriers to getting innovative products to market (see H.R. 4767), H8297 [21OC]

——— provide a safe harbor from licensing and registration for certain non-controlling blockchain developers and providers of blockchain services (see H.R. 528), H543 [14JA]

——— provide requirements for Federal banking agencies when directing a depository institution to terminate a specific customer account (see H.R. 189), H208 [3JA]

——— 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 S. 3003), S6949 [10DE]

——— regulate industrial bank holding companies (see S. 2839), S6507 [12NO]

——— require Federal banking agencies to increase risk-sensitivity of capital treatment of certain centrally cleared exchange-listed derivatives (see H.R. 4233), H7535 [6SE]

——— require Federal financial regulators to issue guidance encouraging institutions to work with consumers and businesses affected by a Government shutdown (see S. 2919), S6718 [20NO] (see H.R. 2290), H3255 [10AP]

——— require prudential banking regulators to provide annual testimony to Congress on their supervision and regulation activities (see H.R. 4841), H8457 [23OC]

——— require regulatory agencies to take risk profiles and business models of institutions into account when taking regulatory actions (see H.R. 741), H1209 [24JA]

——— require require chief executive officers of global systemically important bank holding companies to provide annual testimony to Congress (see H.R. 4966), H8718 [31OC]

——— restore certain provisions of law to separate investment banking from commercial banking (see H.R. 2176), H3216 [9AP]

Government-sponsored enterprises: ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit (see H.R. 5055), H8783 [12NO]

——— prohibit lobbying by Fannie Mae and Freddie Mac (see H.R. 2380), H3303 [29AP]

——— suspend current compensation packages for officers of Fannie Mae and Freddie Mac (see S. 1171), S2433 [11AP]

GSA: prohibit awarding of contracts to insured depository institutions that avoid doing business with certain companies that are engaged in lawful commerce based solely on social policy (see S. 1104), S2386 [10AP]

Human rights: increase role of financial industry in combatting human trafficking (see H.R. 295), H281 [8JA]

Income: defer part of compensation of senior employees of large bank holding companies for a certain time and use such amounts to pay civil or criminal fines that may be levied on the bank holding company (see H.R. 3885), H7240 [23JY]

Information technology: amend securities, commodities, and banking laws to make information reported to financial regulatory agencies electronically searchable and enable regulatory technology (RegTech) applications (see H.R. 4476), H7901 [24SE]

Infrastructure Financing Authority: establish (see S. 1535), S2925 [16MY]

Investments: clarify treatment of shareholder claims arising from appointment of a conservator or receiver for certain depository institutions (see H.R. 4267), H7596 [10SE]

——— protect investment choices by allowing money market funds to elect to be stable value funds if they meet certain criteria and would be exempt from default liquidity fee requirements (see S. 733), S1762 [11MR] (see H.R. 4492), H7989 [25SE]

——— provide shareholders of certain depository institutions a cause of action for assets seized by an appropriate Federal banking agency (see S. 1297), S2613 [2MY]

IRS: prohibit seizures relative to structuring transactions unless the property seized is derived from illegal sources or funds were structured to conceal criminal violations and require notice and post-seizure hearings (see S. 1099), S2329 [9AP] (see H.R. 1219), H2028 [14FE]

——— reform reporting requirements for foreign accounts of U.S. citizens living abroad (see H.R. 4362), H7753 [17SE]

Korea, Democratic People’s Republic of: impose sanctions (see S. 667), S1660 [5MR] (see H.R. 4084), H7476 [26JY]

——— require oversight of licenses involving financial services (see H.R. 4366), H7754 [17SE]

Law enforcement: develop a national strategy to combat financial networks of transnational organized criminals (see H.R. 1387), H2270 [27FE]

——— increase transparency relative to financial services benefitting state sponsors of terrorism, human rights abusers, and corrupt officials (see H.R. 1037), H1458 [7FE]

——— provide a safe harbor for financial institutions that maintain a customer account at the request of a Federal or State law enforcement agency (see S. 1592), S3058 [22MY] (see H.R. 758), H1210 [24JA]

——— use forfeited criminal proceeds from Treasury Forfeiture Fund for border security measures, including a border wall (see S. 293), S799 [31JA]

Money: establish task force to combat illicit use of digital currency, reward information on terrorist use of digital currencies, and establish FinTech Leadership in Innovation and Financial Intelligence Program (see H.R. 56), H203 [3JA]

Mortgages: modify exemptions from certain home mortgage disclosure requirements to enhance protections from discriminatory lending practices (see S. 331), S867 [5FE] (see H.R. 963), H1361 [5FE]

National Climate Bank: establish (see S. 2057), S4698 [8JY] (see H.R. 5416), H10257 [12DE]

National Credit Union Administration: provide flexibility to increase Federal credit union loan maturities (see H.R. 1661), H2614 [8MR]

National Infrastructure Development Bank: establish (see H.R. 658), H717 [17JA]

National Infrastructure Investment Corp.: establish (see H.R. 4780), H8386 [22OC]

Native Americans: provide industry and economic development opportunities to Indian communities (see S. 212), S586 [24JA] (see H.R. 1937), H2885 [27MR]

NATO: provide financial lending mechanisms to assist NATO allies in modernizing their military forces (see H.R. 3194), H4431 [11JN]

North American Development Bank: authorize U.S. participation in a general capital increase (see S. 267), S742 [29JA] (see H.R. 132), H206 [3JA] (see H.R. 3895), H7240 [23JY]

Office of Government Ethics: determine if family members of the President have commercial relationships with foreign enterprises or financial institutions and, if so, whether they should be ineligible for a security clearance (see H.R. 1561), H2503 [6MR]

OPM: extend complimentary, comprehensive identity protection coverage for all individuals whose personally identifiable information was compromised during recent data breaches at Federal agencies (see H.R. 3726), H5727 [11JY]

Public Company Accounting Oversight Board: exclude privately held, non-custody brokers and dealers that are in good standing from certain requirements (see S. 2724), S6242 [29OC]

——— increase oversight of foreign companies listed on U.S. securities exchanges and delist firms that are out of compliance with U.S. regulators (see S. 1731), S3251 [5JN] (see H.R. 3124), H4342 [5JN]

——— promote transparency by making disciplinary proceedings open to the public (see S. 1256), S2516 [30AP]

Putin, Vladimir: strengthen U.S. response to Russian interference by providing transparency on financial assets and hidden shell company ownership (see H.R. 1404), H2270 [27FE]

Real estate: support adoption by States of consistent standards for digitization of the mortgage process and Ginnie Mae’s effort to accept eNotes and electronically signed mortgage documents (see H. Res. 500), H5999 [17JY]

SBA: increase amount that certain banks and savings associations may invest in small business investment companies, subject to the approval of the appropriate Federal banking agency (see S. 1994), S4566 [26JN] (see H.R. 116), H205 [3JA]

——— require lenders refer certain borrowers to small business development centers (see H.R. 5272), H9179 [26NO]

SEC: clarify definition and regulation of digital tokens and tax treatment of virtual currency (see H.R. 2144), H3215 [9AP]

——— regulate managed stablecoins under securities laws (see H.R. 5197), H9120 [20NO]

——— require publicly traded companies to disclose policies on whether senior executives or shareholders bear the burden of paying company fines and penalties (see S. 1885), S3651 [18JN] (see H.R. 4320), H7705 [12SE]

——— revise shareholder threshold for registration under Securities Exchange Act for issuers that receive support through certain Federal universal service support mechanisms (see S. 1502), S2923 [16MY]

Senior citizens: support protection of elders through financial literacy (see H. Res. 328), H3284 [25AP]

Senior Scams Prevention Advisory Council: establish (see S. 149), S273 [16JA] (see H.R. 2610), H3678 [9MY]

Small business: apply protections against consumer liability for unauthorized transfers to small businesses (see S. 2883), S6625 [18NO]

——— enact certain legislation and regulations to protect small business owners seeking financing that would start, continue, or expand operations and create jobs (see H. Res. 370), H3680 [9MY]

——— require collection of small business loan data relative o LGBTQ-owned businesses (see H.R. 3374), H5005 [20JN]

States: grant State attorneys general ability to issue subpoenas to investigate suspected violations of State laws applicable to national banks (see S. 2098), S4807 [11JY] (see H.R. 3643), H5302 [9JY]

——— make improvements relative to State banking agencies (see H.R. 241), H227 [4JA]

Taxation: exclude from gross income interest received on certain loans secured by agricultural real property (see S. 1641), S3105 [23MY] (see H.R. 1872), H2826 [26MR]

——— extend exclusion from gross income of discharges of qualified principal residence indebtedness (see H.R. 1977), H2916 [28MR]

——— impose a financial transaction tax on trading of stocks, bonds and derivatives and invest such funds in domestic priorities (see S. 1587), S3058 [22MY] (see H.R. 2923), H4118 [22MY]

——— impose a tax on certain volatile, high-volume stock, bond, and derivative transactions (see S. 647), S1659 [5MR] (see H.R. 1516), H2366 [5MR]

——— increase deduction allowed for student loan interest (see H.R. 3098), H4312 [4JN]

——— increase dollar and income limitations on the deduction allowed for student loan interest (see H.R. 1070), H1460 [7FE]

——— make permanent the deduction for mortgage insurance premiums (see H.R. 284), H281 [8JA]

——— make permanent the exclusion from gross income of discharges of qualified principal residence indebtedness (see H.R. 285), H281 [8JA]

——— permanently modify limitations on deduction of interest by financial institutions which hold tax-exempt bonds (see H.R. 3967), H7462 [25JY]

——— provide exclusion for assistance provided to certain veterinary student loan repayment or forgiveness program participants (see S. 1163), S2433 [11AP] (see H.R. 2746), H3840 [15MY]

——— provide exclusion from gross income for interest on certain small business loans (see S. 1226), S2485 [29AP] (see H.R. 4805), H8455 [23OC]

——— provide for proper tax treatment of personal service income earned in pass-thru entities (see S. 781), S1845 [13MR] (see H.R. 1735), H2716 [13MR]

——— provide for tax-exempt financing of certain government-owned buildings (see S. 932), S2087 [28MR] (see H.R. 1251), H2030 [14FE]

——— provide temporary safe harbor for tax treatment of hard forks of convertible virtual currency in absence of administrative guidance (see H.R. 3650), H5302 [9JY]

——— provide that floor plan financing includes the financing of certain trailers and campers (see S. 1543), S2962 [20MY] (see H.R. 4349), H7753 [17SE]

——— revise tax treatment of partnership interests received in connection with performance of services (see S. 1639), S3105 [23MY]

Territories: provide the option of discharging certain unsecured financial obligations, allocate funds to eligible Puerto Rican creditors whose debt was terminated, and audit causes of Puerto Rico’s debt (see S. 1312), S2613 [2MY] (see H.R. 2526), H3447 [3MY]

Trafficking Victims Protection Act: include efforts to combat financial criminal activity within factors considered as indicia of serious and sustained efforts to eliminate severe forms of trafficking in persons (see H.R. 2149), H3215 [9AP]

Transportation: improve transit-oriented development financing (see S. 2805), S6448 [6NO]

U.S. Export Finance Agency: reauthorize, reform, and rename Eximbank (see H.R. 4863), H8538 [28OC]

——— reauthorize, reform, and rename Eximbank (H.R. 4863), consideration (see H. Res. 695), H8825 [13NO]

U.S. Green Bank: establish to assist in financing of qualified clean energy and energy efficiency projects and issue Green Bonds to acquire capital stock of such bank (see S. 1528), S2924 [16MY] (see H.R. 3423), H5036 [21JN]

Veterans: make homebuyers aware of all loan options by providing veterans with a written comparison of Dept. of Veterans Affairs, FHA, and conventional loan options and provide counseling on housing benefits (see S. 2835), S6507 [12NO]

World Bank Group: increase transparency and accoutability relative to lending for China (see S. 3017), S6992 [11DE] (see H.R. 5051), H8783 [12NO]

Letters

Acknowledge that lack of transparency in financial transactions and corporate formation poses a threat to national and economic security and support efforts to close related loopholes: Chuck Canterbury, National Fraternal Order of Police, H2700 [13MR]

Consumers First Act: Representative Robert C. ‘‘Bobby’’ Scott, Committee on Education and Labor (House), H4076 [22MY]

——— Representative Waters, Committee on Financial Services (House), H4076 [22MY]

Corporate Transparency Act: Juanita D. Duggan, National Federation of Independent Business, H8321 [22OC]

——— several business associations, H8322 [22OC]

Disapprove Dept. of Education rule on borrower defense institutional accountability: several organizations, S7004 [12DE]

Secure and Fair Enforcement (SAFE) Banking Act: Aaron Smith, National Cannabis Industry Association, E1440 [14NO]

——— Ademola Oyefeso, United Food and Commercial Workers International Union, E1216 [26SE]

——— Alessandro DiNello, Mid-Size Bank Coalition of America, E1217 [26SE]

——— Basil Thomson, National Armored Car Association, E1442 [14NO]

——— Becky Dansky, Safe and Responsible Banking Alliance, E1230 [27SE]

——— Jeffrey D. DeBoer, Real Estate Roundtable, Inc., E1230 [27SE]

——— John Smaby, National Association of Realtors, E1230 [27SE]

——— Lindsay Robinson, California Cannabis Industry Association, E1441 [14NO]

——— Marsha Jones, Third Party Payment Processors Association, E1229 [27SE]

——— National Association of Attorneys General, E1215 [26SE]

——— Neal Levine, Cannabis Trade Federation, E1441 [14NO]

——— Neill Franklin, Law Enforcement Action Partnership, Inc., E1228 [27SE]

——— Nicole Fried, Florida Dept. of Agriculture and Consumer Services, E1442 [14NO]

——— Representatives McHenry and Luetkemeyer, Committee on Financial Services (House), H7965 [25SE]

——— Rob Nichols, American Bankers Association, E1216 [26SE]

——— Saphira Galoob, National Cannabis Roundtable (organization), E1441 [14NO]

——— Scott Talbott, Electronic Transactions Association, E1229 [27SE]

——— several bankers associations, E1216 [26SE]

——— several former Office of National Drug Control Policy and DEA officials, H7966 [25SE]

——— several organizations, E1217 [26SE]

U.S. Export Finance Agency Act: David Ickert, Air Tractor, Inc., H8852 [14NO]

——— Jack Howard, U.S. Chamber of Commerce, H8850 [14NO]

——— Jay Timmons, National Association of Manufacturers, H8852 [14NO]

——— Neil L. Bradley, U.S. Chamber of Commerce, H8850 [14NO]

——— Paul Shearon and Matthew Biggs, International Federation of Professional and Technical Engineers, H8851 [14NO]

——— Robert Martinez, Jr., International Association of Machinists and Aerospace Workers, H8851 [14NO]

——— Tim Keating, Boeing Co., H8852 [14NO]

——— Tim McClees, Aerospace Industries Association, H8851 [14NO]

——— William Samuel, AFL–CIO, H8851 [14NO]

Vladimir Putin Transparency Act: Representative Engel, Committee on Foreign Affairs (House), H2663 [12MR]

——— Representative Schiff, Committee on Intelligence (House, Select), H2664 [12MR]

——— Representative Waters, Committee on Financial Services (House), H2663 [12MR]

Lists

Mid-Size Bank Coalition of America members, E1217 [26SE]

Organizations and officials supporting H.R. 1595, Secure and Fair Enforcement (SAFE) Banking Act, H7971 [25SE]

Organizations supporting H.R. 2513, Corporate Transparency Act, H8310 [22OC]

Messages

National Emergency Relative to Iran: President Trump, S1791 [12MR], S4455 [24JN], S6507 [12NO], H2657 [12MR], H5047 [24JN], H8773 [12NO]

Motions

Consumer Financial Protection Bureau: require to meet its statutory purpose (H.R. 1500), H4108 [22MY]

Consumers: call for banking and consumer agencies to work with customers affected by the Government shutdown to address short-term financial hardship and long-term creditworthiness damage (H. Res. 77), H1269 [29JA]

Corporations: require disclosure of beneficial owners of newly incorporated entities to prevent exploitation for criminal gain and assist law enforcement with terrorism and money laundering prevention (H.R. 2513), H8368 [22OC]

U.S. Export Finance Agency: reauthorize, reform, and rename Eximbank (H.R. 4863), H8899 [15NO]

Notices

Estimated budget effects of H.R. 56, Financial Technology Protection Act, H1241 [28JA]

Estimated budget effects of H.R. 241, Bank Service Company Examination Coordination Act, H7594 [10SE]

Estimated budget effects of H.R. 758, Cooperate With Law Enforcement Agencies and Watch Act, H2646 [11MR]

Estimated budget effects of H.R. 974, Federal Reserve Supervision Testimony Clarification Act, H2646 [11MR]

Estimated budget effects of H.R. 1595, Secure and Fair Enforcement (SAFE) Banking Act, H7987 [25SE]

Estimated budget effects of H.R. 1988, Protect Affordable Mortgages for Veterans Act, H5300 [9JY]

Estimated budget effects of H.R. 2290, Shutdown Guidance for Financial Institutions Act, H7832 [19SE]

Estimated budget effects of H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform (COUNTER) Act, H8536 [28OC]

Estimated budget effects of H.R. 3619, Appraisal Fee Transparency Act, H7832 [19SE]

Estimated budget effects of H.R. 4067, Financial Inclusion in Banking Act, H8536 [28OC]

Press releases

House Makes Last Minute Bait-and-Switch on Corporate Transparency Act: National Federation of Independent Business, H8337 [22OC]

Proclamations

Tribute to Virginia Bankers Association Bank Day Scholarship Program: Representative Wexton, E312 [14MR]

Remarks in House

Arkansas: tribute to Bank on Arkansas Plus program, H9161 [21NO]

Association of Military Banks of America: anniversary, H4060 [21MY]

Bankruptcy: make privately issued student loans dischargeable (H.R. 885), E110 [30JA]

Bingham, Hugh: Moore County, NC, Community Foundation Moore County Man of the Year award recipient, E1293 [16OC]

Business and industry: restore separation between banking and commerce by limiting financial activity revenue of non-financial firms and bank ownership of commodities (H.R. 5180), E1468 [19NO]

China: address efforts to supplant U.S. and its free enterprise system as world’s dominant economic power, H8846–H8850 [14NO]

Committee on Financial Services (House): Subcommittee on Oversight and Investigations hearing on ‘‘Financial Services and the LGBTQ+ Community—A Review of Discrimination in Lending and Housing’’, H8588 [29OC]

Consumer Financial Protection Bureau: bring into the regular appropriations process, H4092–H4094 [22MY]

——— collect and publish data from student loan servicers relative to loan portfolio performance, H4101, H4102 [22MY]

——— encourage representation from community banks, credit unions, small business owners, and economic growth experts on Consumer Advisory Board, H4100, H4101 [22MY]

——— ensure one member of Consumer Advisory Board be an expert in consumer privacy, H4097 [22MY]

——— ensure representatives from military-serving and veteran-serving financial institutions are included on advisory committees, H4099 [22MY]

——— ensure servicemembers, veterans, and their family members are represented on Consumer Advisory Board, H4098 [22MY]

——— identify causes leading to, and solutions for, under-banked, un-banked, and underserved consumers (H.R. 4067), H8503–H8505 [28OC]

——— prohibit continued use of civil penalty slush fund and distribute to victims of financial crime, H4108 [22MY]

——— prohibit use of Consumer Financial Civil Penalty Fund and ensure distribution of funds to victims of financial crime, H4109 [22MY]

——— reestablish interagency memorandum of understanding with Dept. of Education concerning sharing of student borrower complaints to allow for supervision and oversight of student loan servicers, H4089 [22MY]

——— reinstate final rule governing forced arbitration, H4103, H4104 [22MY]

——— reinstitute Home Mortgage Disclosure Act provision requiring financial institutions collect and disclose certain mortgage loan data and prevent further modification to such requirements, H4086, H4087 [22MY]

——— report on number of investigations opened and closed relative to payday and car title loans, including enforcement actions, estimate of consumer fees, and loan delinquencies, H4102, H4103 [22MY]

——— report to Congress on consumer debt collection complaints and enforcement actions and prohibit issuance of proposed rule relative to communications in connection with debt collection, H4091, H4092 [22MY]

——— require GAO to study effectiveness and efficiency in meeting its statutorily mandated obligations, H4087, H4088 [22MY]

——— require Office of Students and Young Consumers to report to Congress on risk factors to young consumers and student borrowers, H4096 [22MY]

——— require report on consumer complaints from senior citizens, including a State-by-State breakdown of complaints by type of consumer financial product or service, H4099, H4100 [22MY]

——— require to meet its statutory purpose (H.R. 1500), H3953 [17MY], H4075–H4110 [22MY], H5072 [24JN]

——— require to meet its statutory purpose (H.R. 1500), consideration (H. Res. 389), H4024–H4031 [21MY]

——— require to meet its statutory purpose (H.R. 1500), motion to recommit, H4108, H4109 [22MY]

——— submit monthly report to Congress on number of investigations opened and closed relative to potential fair lending violations, H4090 [22MY]

Consumers: call for banking and consumer agencies to work with customers affected by the Government shutdown to address short-term financial hardship and long-term creditworthiness damage (H. Res. 77), H1264–H1267, H1269 [29JA], H7806 [19SE]

Corporations: disclose beneficial owners of newly incorporated entities to prevent exploitation for criminal gain and assist law enforcement with terrorism and money laundering prevention (H.R. 2513), consideration (H. Res. 646), H8307–H8315 [22OC]

——— require disclosure of beneficial owners of newly incorporated entities to prevent exploitation for criminal gain and assist law enforcement with terrorism and money laundering prevention (H.R. 2513), H8243 [18OC], H8303, H8316–H8339, H8365–H8370 [22OC]

——— require disclosure of beneficial owners of newly incorporated entities to prevent exploitation for criminal gain and assist law enforcement with terrorism and money laundering prevention (H.R. 2513), motion to recommit, H8368 [22OC]

——— require refresher training every two years for law enforcement officials who access database of beneficial owners of newly incorporated entities, H8336, H8337 [22OC]

——— strike disclosure of beneficial owners of newly incorporated entities, nullify rule requiring financial institutions to identify beneficial owners, and study existing Federal databases’ collection of such information, H8338, H8339 [22OC]

Credit: clarify seasoning requirements for certain refinanced mortgage loans to allow pooling of Dept. of Veterans Affairs loans through Ginnie Mae (H.R. 1988), H5274–H5276 [9JY]

——— clarify seasoning requirements for certain refinanced mortgage loans to allow pooling of Dept. of Veterans Affairs loans through Ginnie Mae (S. 1749), H5289 [9JY]

——— require creditors to request demographic information from applicants for certain types of credit in order to prevent discriminatory lending practices relative to those applicants (H.R. 2324), E471 [15AP]

Credit Card Accountability Responsibility and Disclosure (Credit CARD) Act: anniversary, H4074 [22MY]

Dept. of Education: address issues relative to increased levels of Federal student loan debt, H5984 [17JY]

——— provide for refinancing and recalculation of certain Federal student loans (H.R. 1899), H4302 [4JN]

Dept. of HUD: discount FHA single-family mortgage insurance premium payments for first-time homebuyers who complete financial literacy housing counseling program (H.R. 2162), H5278–H5280 [9JY], H8963 [19NO]

——— make housing more affordable, H8963 [19NO]

——— make housing more affordable (H.R. 1737), H7382 [25JY]

——— make housing more affordable (S. 787), H9286 [5DE]

——— prohibit funding to bar or limit Deferred Action for Childhood Arrivals program beneficiaries from receiving mortgage loans backed by FHA, solely on the basis of their immigration status, H5061, H5062 [24JN]

Dept. of the Treasury: allow Financial Crimes Enforcement Network to use beneficial ownership information to issue public advisories and share information with financial institutions, H8337, H8338 [22OC]

——— amend duties of Financial Crimes Enforcement Network to ensure cooperation with tribal law enforcement, protection against terrorism, and focus on virtual currencies (H.R. 1414), H2621–H2623 [11MR]

——— carry out a study on use of emerging technologies within Financial Crimes Enforcement Network (H.R. 2613), H7810–H7812 [19SE]

——— Community Development Financial Institutions financial and technical assistance for individuals with disabilities funding, H5187 [26JN]

——— Financial Crimes Enforcement Network funding to identify and regulate cryptocurrency exchanges, wallets, and cryptomixers that attempt to hide cryptocurrency sources, H5178 [26JN]

——— Office of Terrorism and Financial Intelligence funding, H337 [9JA]

——— pay rewards to help identify and recover stolen assets linked to foreign government corruption and proceeds of such corruption hidden behind complex financial structures in the U.S. and abroad (H.R. 389), H3764–H3767 [14MY]

——— reform anti-money laundering laws, H8308, H8309, H8316–H8320 [22OC]

——— reform anti-money laundering laws (H.R. 2514), H8494–H8503 [28OC]

——— report to Congress anonymized data on number, industry, and location of beneficial owners of newly incorporated entities, H8335 [22OC]

——— require Financial Crimes Enforcement Network to develop protocols to access database of beneficial owners of newly incorporated entities and report to Congress number of times such database is accessed, H8335, H8336 [22OC]

Discrimination: address and eliminate racial discrimination in small business lending, H9102 [20NO]

Drugs: create protections for depository institutions that provide financial services to legitimate marijuana-related businesses (H.R. 1595), H7911, H7962–H7974, H7979, H7980 [25SE], E1215 [26SE], E1239 [1OC], E1253, E1256 [4OC], E1440 [14NO]

——— sanction manufacturers who provide synthetic opioids to traffickers and financial institutions that assist such entities, fund law enforcement and intelligence agencies, and establish Commission on Synthetic Opioid Trafficking, H5654 [11JY]

Eagle Bank and Trust Co.: anniversary, H7235 [23JY]

Eximbank: modernize and reform to strengthen U.S. competitiveness (H.R. 3407), H8846, H8848, H8868 [14NO], H8886–H8888, H8890, H8892 [15NO]

Federal Financial Institutions Examination Council: clarify Appraisal Subcommittee treatment of appraisal management company registry and trainee fees and assist with appraiser qualification criteria compliance (H.R. 3619), H7803–H7805 [19SE]

Financial institutions: modify exemptions from certain home mortgage disclosure requirements to enhance protections from discriminatory lending practices (H.R. 963), H7602 [11SE]

Financial literacy: encourage greater public-private sector collaboration to promote for students and young adults (H. Res. 327), H3312–H3314 [30AP], E516 [1MY]

FRS: require Board of Governors Vice Chairman for Supervision to provide a written report (H.R. 974), H2620, H2621, H2628 [11MR]

——— require Federal reserve banks to interview one individual reflective of gender diversity and one individual reflective of racial or ethnic diversity when appointing Federal reserve bank presidents (H.R. 281), H7576–H7579 [10SE]

FTC: establish Office of Fair Lending Testing to test for compliance with laws prohibiting credit discrimination, strengthen such laws, and provide criminal penalties for violations of such laws (H.R. 166), H3400 [1MY]

GAO: conduct study on how virtual currencies and online marketplaces are used to facilitate sex and drug trafficking (H.R. 502), H1223–H1227 [28JA]

——— report on effect U.S. Export Finance Agency closure would have on businesses that use its services, H8892, H8893 [15NO]

Government regulations: establish requirements for bank mergers (H.R. 5318), E1545 [5DE]

——— prohibit requirement of compliance with Financial Accounting Standards Board current expected credit loss (CECL) standard and require SEC consideration of impacts of proposed accounting principles, H4075 [22MY]

——— provide requirements for Federal banking agencies when directing a depository institution to terminate a specific customer account, H7965, H7972 [25SE]

——— require Federal financial regulators to issue guidance encouraging institutions to work with consumers and businesses affected by a Government shutdown (H.R. 2290), H7805–H7807 [19SE]

——— restore certain provisions of law to separate investment banking from commercial banking (H.R. 2176), E448 [10AP]

Hedgepeth, Bill: Fayetteville, NC, Chamber of Commerce Realtor Cup award recipient, E251 [6MR]

IRS: prohibit seizures relative to structuring transactions unless the property seized is derived from illegal sources or funds were structured to conceal criminal violations and require notice and post-seizure hearings, H3165 [9AP]

Law enforcement: develop a national strategy to combat financial networks of transnational organized criminals (H.R. 1387), H2624 [11MR]

——— increase transparency relative to financial services benefitting state sponsors of terrorism, human rights abusers, and corrupt officials (H.R. 1037), H3769–H3770 [14MY]

——— provide a safe harbor for financial institutions that maintain a customer account at the request of a Federal or State law enforcement agency (H.R. 758), H2623–H2625 [11MR]

Money: establish task force to combat illicit use of digital currency, reward information on terrorist use of digital currencies, and establish FinTech Leadership in Innovation and Financial Intelligence Program (H.R. 56), H1227–H1231 [28JA]

Mortgages: modify exemptions from certain home mortgage disclosure requirements to enhance protections from discriminatory lending practices (H.R. 963), H7602 [11SE]

OPM: extend complimentary, comprehensive identity protection coverage for all individuals whose personally identifiable information was compromised during recent data breaches at Federal agencies (H.R. 3726), E898 [11JY]

Pennsylvania: First Commonwealth Federal Credit Union recipient of Greater Lehigh Valley Chamber of Commerce Milestone Award, E1468 [19NO]

Postal Service: non-bank financial services expansion funding, H5136–H5138 [25JN]

Putin, Vladimir: strengthen U.S. response to Russian interference by providing transparency on financial assets and hidden shell company ownership (H.R. 1404), H2662–H2664 [12MR]

Ross, Wilbur L., Jr.: characterization of remarks relative to furloughed Federal employees during Government shutdown, H1191, H1202 [24JA]

SBA: increase amount that certain banks and savings associations may invest in small business investment companies, subject to the approval of the appropriate Federal banking agency (H.R. 116), H522–H524 [14JA]

Senior citizens: support protection of elders through financial literacy (H. Res. 328), H3316–H3318 [30AP]

States: make improvements relative to State banking agencies (H.R. 241), H7579–H7581 [10SE]

Taxation: provide for tax-exempt financing of certain government-owned buildings (H.R. 1251), H3469 [7MY], E182 [14FE]

Terre Haute, IN: anniversary of Terre Haute Savings Bank, E1532 [4DE]

Trump, President: require disclosure of Federal income tax returns, H1293 [30JA], H3137 [9AP]

U.S. Export Finance Agency: allow use of surplus funds to expand or establish additional regional finance centers, H8869 [14NO]

——— amend standards of Office of Minority and Women Inclusion to ensure diversity in race, ethnicity, gender, sexual orientation, and gender identity, H8890 [15NO]

——— develop and make available paid internships for minorities and women, H8886 [15NO]

——— eliminate Office of Energy Efficiency and Clean Energy Exports and require consideration of energy affordability and environmental impacts before approving transactions, H8861, H8862 [14NO]

——— emphasize outreach to tribal export businesses and submit report on efforts to increase awareness of services available to Indian tribes and support for tribal export businesses, H8860 [14NO]

——— expand Advisory Committee by two positions to include member representation for 4-year universities and community colleges, H8887 [15NO]

——— include Asian American and Native American Pacific Islander-serving institutions in workforce recruitment efforts, H8885 [15NO]

——— include community colleges in workforce recruitment efforts, H8886 [15NO]

——— include lesbian, gay, bisexual, transgender, or queer-owned businesses when developing small business outreach plan, H8890, H8891 [15NO]

——— include small businesses in sectors impacted by retaliatory tariffs when developing small business outreach plan, H8891, H8892 [15NO]

——— limit financial assistance for Chinese state-owned enterprises, H8899–H8901 [15NO]

——— prohibit assistance to foreign state-owned entities if the foreign governments are found not to be cooperating with U.S. to prevent synthetic opioid trafficking, H8864, H8865 [14NO]

——— prohibit business with any individual subject to sanctions related to human rights and freedom of speech violations, H8860, H8861 [14NO]

——— prohibit from financing individuals engaged in sanctionable human rights abuses, including human trafficking and sex trafficking, H8893–H8895 [15NO]

——— prohibit transactions with individuals involved in sanctionable activities related to illegal trafficking of synthetic opioids, H8862, H8863 [14NO]

——— reauthorize, reform, and rename Eximbank (H.R. 4863), H8745 [12NO], H8845–H8870 [14NO], H8885–H8902 [15NO], E1456 [15NO]

——— reauthorize, reform, and rename Eximbank (H.R. 4863), consideration (H. Res. 695), H8838–H8845 [14NO]

——— reauthorize, reform, and rename Eximbank (H.R. 4863), motion to recommit, H8899–H8901 [15NO]

——— report on communities and workers impacted by programs, H8893 [15NO]

——— report on effect of financed exports and projects on U.S. jobs in the energy and related technologies field, H8888, H8889 [15NO]

——— require inclusion and diversity training to ensure employees understand specific challenges facing minority- and women-owned businesses, H8887, H8888 [15NO]

Violence Against Women Act: integrate the term ‘‘economic abuse’’ throughout the legislation, wherever ‘‘domestic violence’’ occurs, H3060 [3AP]

Wall family: Twin Cities Business (publication) Minnesota Family Business Award recipients, H8788 [13NO]

Remarks in Senate

Agriculture: address agriculture issues by enacting long-term farm policies, provide access to mental health care, invest in alternative energy sources, and resolve trade disputes, S6055–S6057 [23OC]

Canada, Gary and Hanna: American Bankers Association Bruning Award recipients, S6752 [21NO]

Climate: economic impact of climate change, S2839–S2841 [14MY]

——— effects of climate change, S4916–S4918 [17JY]

——— impact of climate change on the economy, S5045 [24JY], S5075 [25JY], S5382–S5384 [10SE], S6996 [11DE]

Courts: decision in Donald J. Trump v. Mazars USA, LLP and Committee on Oversight and Reform of the U.S. House of Representatives relative to the release of President Trump’s Federal income tax returns, S6583 [14NO]

Credit: clarify seasoning requirements for certain refinanced mortgage loans to allow pooling of Dept. of Veterans Affairs loans through Ginnie Mae (S. 1749), S3267 [5JN], S3470 [13JN]

——— require consumer reporting agencies to obtain a consumer’s authorization to release certain personal information and prevent unauthorized access to consumer reports and personal information (S. 2685), S6094 [23OC]

Democratic Party: national agenda, S6365 [5NO]

Dept. of Education: address issues relative to increased levels of Federal student loan debt, S823–S826 [4FE]

——— disapprove rule on borrower defense institutional accountability, S6684 [20NO]

——— disapprove rule on borrower defense institutional accountability (S.J. Res. 56), S6797–S6799 [3DE], S7003–S7005 [12DE]

——— simplify Free Application for Federal Student Aid (FAFSA) form, S823 [4FE]

Dinsdale, Chris: Farm Credit Colorado Agriculture Hall of Fame inductee, S6753 [21NO]

Economy: promote economic growth, provide tailored regulatory relief, and enhance consumer protections, S3470 [13JN]

Erdogan, Recep Tayyip: U.S. visit by Turkish President relative to assessment of policies in conflict with U.S. interests, S6512–S6514 [12NO], S6576 [13NO]

Eximbank: abolish, S2660 [7MY]

——— importance to the economy, S2662 [7MY], S2709 [8MY]

——— reform, S2669–S2671 [7MY], S2737 [8MY]

Financial Literacy Month: designate (S. Res. 168), S2455 [11AP]

FRS: impact of financial industry deregulation, S4894 [17JY]

Government regulations: reform living will process, S2373–S2375 [10AP]

Korea, Democratic People’s Republic of: impose sanctions, S7198 [19DE]

Native Americans: provide industry and economic development opportunities to Indian communities (S. 212), S4649 [27JN]

North American Development Bank: authorize U.S. participation in a general capital increase (S. 267), S6743 [21NO]

Protocol Amending Tax Convention With Spain: protect taxpayers private financial information, S4848, S4849 [16JY]

Public Company Accounting Oversight Board: promote transparency by making disciplinary proceedings open to the public (S. 1256), S2522 [30AP]

SEC: effect of nominations on financial regulations, S3276 [10JN]

——— issuance of rules requiring more transparency and accountability for asset managers working with proxy advisory firms, S6454 [7NO]

——— require publicly traded companies to disclose policies on whether senior executives or shareholders bear the burden of paying company fines and penalties (S. 1885), S3658 [18JN]

Senate: legislative priorities, S6846 [4DE]

Syria: assessment of ongoing conflict between Turkey and Syrian Kurds and U.S. efforts to advance resolution to such conflict, S5820–S5822 [16OC], S6137 [24OC], S6264 [30OC], S6310 [31OC]

Trump, President: require disclosure of Federal income tax returns, S2258–S2260 [4AP]

World Bank Group: oppose decision to adopt a multi-year lending plan for China, S6863, S6879 [5DE], S6972 [11DE]

——— oppose decision to defund projects using oil, gas, and coal and prioritize access to energy resources in developing countries, S6379 [5NO]

Reports filed

Blockchain Promotion Act: Committee on Commerce, Science, and Transportation (Senate) (S. 553) (S. Rept. 116–177), S7112 [17DE]

Combating Money Laundering, Terrorist Financing, and Counterfeiting Act: Committee on the Judiciary (Senate) (S. 1883), S5011 [23JY]

Consideration of H.R. 1500, Consumers First Act and H.R. 1994, Setting Every Community Up for Retirement Enhancement Act: Committee on Rules (House) (H. Res. 389) (H. Rept. 116–79), H4009 [20MY]

Consideration of H.R. 2513, Corporate Transparency Act: Committee on Rules (House) (H. Res. 646) (H. Rept. 116–247), H8297 [21OC]

Consideration of H.R. 4863, U.S. Export Finance Agency Act and H. Con. Res. 70, Remove Armed Forces From Unauthorized Hostilities in Syria: Committee on Rules (House) (H. Res. 695) (H. Rept. 116–289), H8825 [13NO]

Consumers First Act: Committee on Financial Services (House) (H.R. 1500) (H. Rept. 116–57), H3726 [10MY]

Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform (COUNTER) Act: Committee on Financial Services (House) (H.R. 2514) (H. Rept. 116–245), H8297 [21OC]

Corporate Management Accountability Act: Committee on Financial Services (House) (H.R. 4320) (H. Rept. 116–337), H10122 [11DE]

Corporate Transparency Act: Committee on Financial Services (House) (H.R. 2513) (H. Rept. 116–227), H8100 [8OC]

Improving Credit Reporting for All Consumers Act: Committee on Financial Services (House) (H.R. 3642) (H. Rept. 116–363), H12297 [23DE]

Indian Community Economic Enhancement Act: Committee on Indian Affairs (Senate) (S. 212) (S. Rept. 116–28), S2293 [8AP]

Kleptocracy Asset Recovery Rewards Act: Committee on Financial Services (House) (H.R. 389) (H. Rept. 116–60), H3787 [14MY]

Protect Affordable Mortgages for Veterans Act: Committee on Veterans’ Affairs (House) (H.R. 1988) (H. Rept. 116–138), H5301 [9JY]

Secure and Fair Enforcement (SAFE) Banking Act: Committee on Financial Services (House) (H.R. 1595) (H. Rept. 116–104), H4341 [5JN]

Stop Senior Scams Act: Committee on Commerce, Science, and Transportation (Senate) (S. 149) (S. Rept. 116–182), S7207 [19DE]

U.S. Export Finance Agency Act: Committee on Financial Services (House) (H.R. 4863) (H. Rept. 116–271), H8737 [8NO]

Statements

Strengthening Accountability To Protect Students and Taxpayers Hearing: Senator Alexander, Committee on Health, Education, Labor, and Pensions (Senate), S2381 [10AP]

Tables

Estimated pay-as-you-go effects of H.R. 1988, Protect Affordable Mortgages for Veterans Act, H5300 [9JY]

Estimated pay-as-you-go effects of H.R. 2290, Shutdown Guidance for Financial Institutions Act, H7832 [19SE]

Estimated pay-as-you-go effects of H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform (COUNTER) Act, H8536 [28OC]

Estimated pay-as-you-go effects of H.R. 4067, Financial Inclusion in Banking Act, H8537 [28OC]

Texts of

H. Res. 77, call for banking and consumer agencies to work with customers affected by the Government shutdown to address short-term financial hardship and long-term creditworthiness damage, H1264 [29JA]

H. Res. 206, acknowledge that lack of sunlight and transparency in financial transactions and corporate formation poses a threat to national and economic security and support efforts to close related loopholes, H2697 [13MR]

H. Res. 327, encourage greater public-private sector collaboration to promote financial literacy for students and young adults, H3312 [30AP]

H. Res. 328, support protection of elders through financial literacy, H3316 [30AP]

H. Res. 389, consideration of H.R. 1500, Consumers First Act, H4024 [21MY]

H. Res. 646, consideration of H.R. 2513, Corporate Transparency Act, H8307 [22OC]

H. Res. 695, consideration of H.R. 4863, U.S. Export Finance Agency Act, H8838 [14NO]

H.R. 56, Financial Technology Protection Act, H1227 [28JA]

H.R. 116, Investing in Main Street Act, H522 [14JA]

H.R. 241, Bank Service Company Examination Coordination Act, H7579 [10SE]

H.R. 281, Ensuring Diverse Leadership Act, H7576 [10SE]

H.R. 389, Kleptocracy Asset Recovery Rewards Act, H3764–H3766 [14MY]

H.R. 502, Fight Illicit Networks and Detect (FIND) Trafficking Act, H1223 [28JA]

H.R. 758, Cooperate With Law Enforcement Agencies and Watch Act, H2623 [11MR]

H.R. 974, Federal Reserve Supervision Testimony Clarification Act, H2620 [11MR]

H.R. 1037, Banking Transparency for Sanctioned Persons Act, H3769 [14MY]

H.R. 1404, Vladimir Putin Transparency Act, H2662 [12MR]

H.R. 1414, FinCEN Improvement Act, H2621 [11MR]

H.R. 1500, Consumers First Act, H4082–H4086 [22MY]

H.R. 1595, Secure and Fair Enforcement (SAFE) Banking Act, H7962–H7964 [25SE]

H.R. 1988, Protect Affordable Mortgages for Veterans Act, H5274 [9JY]

H.R. 2162, Housing Financial Literacy Act, H5278 [9JY]

H.R. 2290, Shutdown Guidance for Financial Institutions Act, H7805 [19SE]

H.R. 2513, Corporate Transparency Act, H8325–H8334 [22OC]

H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform (COUNTER) Act, H8494–H8501 [28OC]

H.R. 2613, Advancing Innovation To Assist Law Enforcement Act, H7810 [19SE]

H.R. 3619, Appraisal Fee Transparency Act, H7804 [19SE]

H.R. 4067, Financial Inclusion in Banking Act, H8503 [28OC]

H.R. 4863, U.S. Export Finance Agency Act, H8856–H8859 [14NO]

S. 212, Indian Community Economic Enhancement Act, S4650–S4652 [27JN]

S. 1230, Protecting Consumers From Unreasonable Credit Rates Act, S2488 [29AP]

S. 1354, Student Loan Borrower Bill of Rights, S2691–S2699 [7MY]

S. 1414, Student Borrower Bankruptcy Relief Act, S2772 [9MY]

S. 1749, Protecting Affordable Mortgages for Veterans Act, S3259, S3267 [5JN], H5289 [9JY]

S. 2184, Know Before You Owe Private Education Loan Act, S4952 [18JY]

S. Res. 168, Financial Literacy Month, S2443 [11AP]

S.J. Res. 56, disapprove Dept. of Education rule on borrower defense institutional accountability, S5752 [26SE]