CREDIT related term(s) Consumers

Amendments

Discrimination: prohibit on the basis of sex, sexual orientation, or gender identity (H.R. 5), consideration (H. Res. 377), H3811 [15MY]

GSA: issue guidance to clarify that Federal agencies may pay by charge card for charging of Federal electric motor vehicles (S. 2193), S6764 [21NO]

SBA: repeal sunset for collateral requirements for disaster loans (S. 862), S5318, S5320, S5321 [1AU]

Analyses

Equality Act—It’s Impact on Government Funding of Abortion: U.S. Conference of Bishops, H3948 [17MY]

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]

No Money Tree, E516 [1MY]

Bills and resolutions

Arts and humanities: support development of arts businesses, jobs, and growth of creative economy (see S. 650), S1659 [5MR] (see H.R. 1519), H2366 [5MR]

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]

Budget: prohibit use of increases in Fannie Mae and Freddie Mac guarantee fees to offset unrelated spending increases (see S. 1463), S2815 [14MY]

Business and industry: prohibit employers from keeping employees’ tips to cover the cost of financial transaction fees (see H.R. 3715), H5726 [11JY]

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

——— establish that a State-based education loan program is excluded from certain requirements relating to a preferred lender arrangement (see S. 3054), S7048 [16DE]

——— permit a Federal student loan borrower to terminate repayment pursuant to income-based repayment and repay such loan under any other repayment plan for which the borrower is eligible (see S. 3055), S7048 [16DE]

——— provide a legal framework necessary for the growth of innovative private financing options for students to fund postsecondary education (see S. 2114), S4821 [15JY] (see H.R. 1810), H2754 [18MR]

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

Committee on Homeland Security and Governmental Affairs (Senate): authorize release of Permanent Subcommittee on Investigations records on investigation into Equifax, Inc., data breach (see S. Res. 139), S2189 [2AP]

Consumer Financial Protection Bureau: apply debt collection practices to small businesses to the same extent as to consumers and define ‘‘small business’’ for purposes of such practices (see S. 2884), S6625 [18NO] (see H.R. 5013), H8738 [8NO]

——— establish clear Federal oversight of development of credit scoring models (see H.R. 3629), H5302 [9JY]

——— 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]

——— reestablish Office for Students and Young Consumers and establish position of Assistant Director and Student Loan Borrower Advocate (see H.R. 3547), H5256 [27JN]

——— 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]

Consumers: 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 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]

——— enhance consumer rights relative to consumer report disputes by requiring credit reporting agencies to forward documentation provided by consumers to parties seeking consumers’ credit scores (see S. 1729), S3251 [5JN]

——— 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]

——— establish requirements relative to credit scores and educational credit scores (see H.R. 3618), H5271 [5JY]

——— 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]

——— extend consumer protections relative to interest rates and credit limits provided to Armed Forces members to veterans, their families, and all consumers (see S. 2833), S6507 [12NO] (see H.R. 5050), H8783 [12NO]

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

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

——— 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]

——— 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 consumer reporting agencies from including adverse information in reports, and from making adverse determinations on security clearances, for certain individuals affected by the Government shutdown (see H.R. 953), H1349 [4FE]

——— 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]

——— 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]

——— prohibit use of consumer credit reports and information in making any determination involving auto insurance (see H.R. 1756), H2742 [14MR]

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

——— remove adverse information for certain defaulted or delinquent private education loan borrowers who demonstrate a history of loan repayment (see H.R. 3621), H5272 [5JY]

——— 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 inclusion of credit scores with free annual credit reports provided to consumers (see H.R. 2753), H3841 [15MY] (see H.R. 2824), H3961 [17MY]

——— restore impaired credit of victims of predatory activities and unfair consumer reporting practices and expand access to protections for vulnerable consumers from identity theft, fraud, or a related crime (see H.R. 3622), H5272 [5JY]

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

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: report identity theft transaction in credit histories of criminal defendants (see S. 2631), S5895 [17OC]

Dept. of Agriculture: modify limitations applicable to qualified conservation loan guarantees (see H.R. 2797), H3923 [16MY]

——— offer persistent poverty counties and political subdivisions of such counties the opportunity to have rural development loans restructured (see H.R. 2228), H3253 [10AP]

Dept. of Education: allow certain payments made by public service employees to qualify for Public Service Loan Forgiveness Program (see H.R. 4645), H8110 [11OC]

——— allow certain student loan borrowers to refinance current loans (see S. 768), S1844 [13MR] (see H.R. 1707), H2715 [13MR]

——— allow students convicted of marijuana possession to retain financial aid eligibility if they complete a drug rehabilitation program (see H.R. 4089), H7476 [26JY]

——— 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]

——— authorize borrowers to separate joint consolidation loans into two separate loans (see S. 1489), S2884 [15MY] (see H.R. 2728), H3789 [14MY]

——— automatically discharge Federal student loan debt of eligible permanently disabled veterans (see S. 2049), S4676 [28JN] (see H.R. 3598), H5265 [28JN]

——— automatically enroll severely delinquent student loan borrowers in income-driven repayment plans and automate the process to recertify borrowers’ income (see H.R. 3833), H7149 [18JY]

——— cancel amounts for eligible student loan holders, allow refinancing, postpone certain payments and garnishments, repair credit of defaulted borrowers, and allow bankruptcy filings (see S. 2235), S5012 [23JY] (see H.R. 3887), H7240 [23JY]

——— carry out an income-contingent repayment program for Federal interest-free education loans for undergraduate students (see H.R. 4747), H8258 [18OC]

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

——— change certain eligibility requirements for loan forgiveness for teachers (see H.R. 4647), H8110 [11OC]

——— clarify that employees of safety net health plans are eligible for Public Service Loan Forgiveness Program (see H.R. 5372), H9387 [9DE]

——— clarify that employment at a nonprofit organization is a public service job for purposes of Public Service Loan Forgiveness Program (see H.R. 4310), H7704 [12SE]

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

——— develop a plain language disclosure form for borrowers of Federal student loans (see S. 2015), S4628 [27JN] (see H.R. 63), H203 [3JA] (see H.R. 1161), H1580 [13FE]

——— develop and implement a process that enables certain borrowers to elect to repay certain loans through written, electronic, or verbal notice (see H.R. 4658), H8111 [11OC]

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

——— disclose annual percentage rates applicable to Federal student loans (see S. 234), S698 [28JA] (see H.R. 811), H1242 [28JA]

——— eliminate origination fees for Federal Direct Loan Program (see H.R. 3674), H5583 [10JY]

——— eliminate origination fees on Federal Direct loans (see S. 1696), S3164 [3JN]

——— eliminate tuition at public colleges and universities, forgive outstanding student loan debt and reduce interest rates for new loans, and expand work study program (see S. 1947), S4455 [24JN]

——— 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 H.R. 3472), H5166 [25JN]

——— enable Federal student loan borrowers to refinance at interest rates equivalent to the rates at which the Government provides loans to banks through the FRS discount window (see S. 1845), S3476 [13JN]

——— ensure States oversee closure preparedness among higher education institutions by providing refunds and maintaining student contact information, complaint system, and transcript access (see H.R. 5148), H8958 [18NO]

——— ensure that student borrowers are provided relief from their student loans in the instance of substantial misrepresentation or omission by an institution of higher education (see H.R. 3662), H5583 [10JY]

——— establish a scholarship program and loan forgiveness for rural educators and provide professional development grants for rural schools (see S. 1157), S2433 [11AP]

——— 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]

——— establish a student loan forgiveness plan for certain borrowers who are employed at a qualified farm or ranch (see S. 2168), S4948 [18JY]

——— establish income-based repayment plans for certain future Federal student loans (see H.R. 4670), H8111 [11OC]

——— establish Office of the Borrower Advocate (see H.R. 4627), H8101 [8OC]

——— establish State-Federal partnerships to provide students with debt-free college, provide Pell Grant eligibility to certain immigrants, and restore assistance eligibility for drug-related offenses (see S. 672), S1705 [6MR] (see H.R. 1571), H2504 [6MR]

——— expand eligibility for Public Service Loan Forgiveness Program to adjunct faculty at colleges and universities (see S. 2523), S5602 [19SE]

——— extend interest-free grace period for certain student loans (see H.R. 4119), H7480 [30JY]

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

——— improve accountability and protect students from bad actors in higher education, specifically in the for-profit college sector (see H.R. 3487), H5166 [25JN]

——— improve educational opportunities for physician assistants by expanding scholarships, increasing loan limits, and expanding programs for institutions serving rural areas and minorities (see H.R. 1685), H2679 [12MR]

——— improve effectiveness and access to Net Price Calculator system to give prospective students a more accurate understanding of the true cost of college (see S. 889), S2042 [27MR] (see H.R. 1915), H2884 [27MR]

——— improve opportunities to attain a quality, debt-free degree or credential (see H.R. 4424), H7835 [19SE]

——— improve oversight and accountability of colleges and universities, particularly for-profit colleges, protect students and borrowers, and ensure integrity of postsecondary education programs (see S. 867), S1986 [26MR] (see H.R. 3512), H5200 [26JN]

——— improve Public Service Loan Forgiveness Program (see S. 1175), S2434 (see S. 1203), S2435 [11AP] (see H.R. 2441), H3403 [1MY]

——— improve service to students and other participants in Federal student financial assistance programs and establish Office of the Borrower Advocate to replace Student Loan Ombudsman (see H.R. 4596), H8089 [1OC]

——— include certain employment as a health care practitioner as eligible for Public Service Loan Forgiveness Program (see H.R. 4607), H8094 [4OC]

——— include certain individuals who work on farms or ranches as individuals employed in public service jobs for purposes of loan forgiveness eligibility under Federal Direct Loan Program (see H.R. 3232), H4627 [12JN]

——— include full-time job with a veterans or military service organization as eligible for Public Service Loan Forgiveness Program (see H.R. 4609), H8094 [4OC]

——— include interest rate provisions for certain future Federal loans (see H.R. 3793), H5998 [17JY]

——— include Parent PLUS loans in income-contingent and income-based repayment plans, reduce interest rates and eliminate origination fees for such loans, and provide counseling for borrowers (see H.R. 3353), H4917 [19JN]

——— increase and improve access to Federal Pell Grants, expand Supplemental Nutrition Assistance Program benefits to students, and improve financial aid application and understanding of loan processes (see H.R. 3101), H4341 [5JN]

——— increase minimum salary threshold for income-driven repayment plans, allow refinancing, bolster forgiveness programs, and reinstate graduate student programs relative to student loans (see H.R. 3102), H4341 [5JN]

——— increase recruitment and retention of mental health professionals in low-income schools by providing student loan forgiveness to individuals who work in such schools (see S. 1642), S3105 [23MY] (see H.R. 2958), H4161 [23MY]

——— make for-profit colleges ineligible for Federal student aid and protect integrity of nonprofit institutions of higher education (see S. 2640), S5896 [17OC] (see H.R. 4724), H8227 [17OC]

——— make unauthorized use of information technology or identification devices a crime, create secure third-party access for financial aid applications, and stop debt relief scams (see S. 1153), S2433 [11AP] (see H.R. 2888), H4117 [22MY]

——— modernize and improve Public Service Loan Forgiveness Program (see H.R. 4391), H7773 [18SE]

——— prohibit debt collectors from collecting on certain Federal student loan debt when the borrower would not be required to make payments under an income-driven repayment plan (see H.R. 5287), H9221 [3DE]

——— prohibit institutions of higher education from denying students access to transcripts because of loan default (see H.R. 3761), H5825 [15JY]

——— prohibit State suspension, revocation, or denial of State-issued professional or driver’s licenses or issuance of penalties due to student loan default (see H.R. 3689), H5584 [10JY]

——— provide Direct PLUS Loan forgiveness for parents of disabled students (see S. 1219), S2435 [11AP] (see H.R. 2180), H3217 [9AP]

——— provide each student loan borrower with an individualized repayment guide (see H.R. 3095), H4312 [4JN]

——— provide Federal student loan borrowers a monthly loan disclosure statement that includes projected payments, accrued interest, total cost of attendance, and other personalized details (see H.R. 4193), H7505 [16AU]

——— provide for a percentage of student loan forgiveness for public service employment (see H.R. 3096), H4312 [4JN] (see H.R. 4113), H7480 [30JY]

——— provide for accreditation reform, require institutions of higher education to publish information on student success, and provide for fiscal and student loan accountability by institutions (see S. 2339), S5196 [30JY] (see H.R. 4098), H7479 [30JY]

——— provide for deferment for Federal loans prior to beginning of repayment period (see H.R. 3792), H5998 [17JY]

——— provide for institutional risk sharing in Federal student loan programs (see S. 968), S2118 [1AP]

——— provide for interest-free deferment on student loans for borrowers serving in a medical or dental internship or residency program (see H.R. 1554), H2503 [6MR] (see H.R. 3150), H4343 [5JN]

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

——— provide for the relief of interest on certain Federal student loans (see H.R. 3751), H5824 [15JY]

——— provide loan deferment and loan cancellation for founders and employees of small business start-ups (see H.R. 231), H209 [3JA]

——— provide student loan deferment for victims of terrorist attacks (see S. 1796), S3362 [12JN]

——— provide temporary authority to reissue certain student loans to reduce interest rates paid by borrowers (see H.R. 4749), H8258 [18OC]

——— 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 record of Federal student loan default from credit history upon loan consolidation (see H.R. 4395), H7834 [19SE]

——— remove record of Federal student loan default from credit history upon loan repayment (see H.R. 4396), H7834 [19SE]

——— repeal suspension of eligibility for Federal grants, student loans, and work assistance for drug-related offenses (see H.R. 4584), H8088 [1OC]

——— replace interest on student loans with a non-compounding financing fee and place borrowers in an income-based repayment plan (see S. 1292), S2613 [2MY] (see H.R. 4603), H8094 [4OC]

——— 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]

——— require colleges and universities to share responsibility for student loan defaults and prohibit increasing tuition or charging additional fees to offset cost of liability (see S. 2124), S4856 [16JY]

——— require institutions of higher education to use a uniform financial aid form with standard definitions for financial aid terms to make it easier to compare offers from different schools (see S. 888), S2042 [27MR] (see H.R. 2321), H3264 [12AP]

——— require provision of student loan information to Consumer Financial Protection Bureau (see S. 720), S1734 [7MR] (see H.R. 2833), H3962 [17MY]

——— 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]

——— 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. 4079), H7467 [25JY]

——— simplify Federal student loan repayment process, increase usage of income-based repayment plan, reduce fees, target assistance to low-income borrowers, and limit aggressive debt collection practices (see S. 1002), S2239 [3AP] (see H.R. 2065), H3067 [3AP]

——— support early childhood educators and elementary and secondary school teachers through increased training, loan forgiveness, teaching certification assistance, and tax credits (see S. 1866), S3476 [13JN] (see H.R. 3139), H4342 [5JN]

——— support education of Indian children by recruiting and retaining more teachers to Native American schools through incentives of scholarships, loan forgiveness, and professional development grants (see S. 1161), S2433 [11AP]

——— terminate capitalization of interest after forbearance and certain deferment periods relative to student loans (see H.R. 4590), H8088 [1OC]

——— transition Public Service Loan Forgiveness Program to a State-directed program of annual loan repayment benefits for workers in high-need occupations (see H.R. 4851), H8457 [23OC]

——— 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. 1525), S2924 [16MY]

Dept. of HHS: authorize a loan repayment program for mental health professionals (see S. 2500), S5577 [18SE] (see H.R. 2431), H3403 [1MY]

——— clarify that National Health Service Corps Loan Repayment Program participants may be assigned to serve in pediatric inpatient mental health facilities (see S. 1668), S3105 [23MY]

——— 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]

——— provide loan repayment incentives for certain physician assistants or faculty at a graduate-level physician assistant education program (see H.R. 1686), H2679 [12MR]

Dept. of HUD: authorize State-licensed appraisers to conduct appraisals in connection with mortgages insured by FHA and require compliance with existing appraiser education requirement (see S. 1722), S3250 [5JN] (see H.R. 2852), H4010 [20MY]

——— develop a program to provide assistance to creditworthy borrowers with Federal student debt in purchasing certain foreclosed homes (see H.R. 3511), H5200 [26JN]

——— 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]

——— expedite loan processing under Section 184 Indian Home Loan Guarantee Program (see S. 2725), S6242 [29OC]

——— 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), H205 [3JA]

——— facilitate development of affordable housing (see S. 2951), S6756 [21NO] (see H.R. 5187), H9120 [20NO]

——— issue guidance to reduce up-front premiums for FHA-insured mortgages if capital ratio of the Mutual Mortgage Insurance Fund exceeds the statutory limit (see H.R. 699), H996 [22JA]

——— limit collection of annual premiums under FHA program for mortgage insurance for single family housing (see S. 2572), S5748 [26SE] (see H.R. 3141), H4343 [5JN]

——— 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: authorize issuance of certain bonds to pay principal and interest on public debt, rescission of certain unobligated balances, and sale of certain assets if debt ceiling is estimated to be reached (see H.R. 5083), H8877 [14NO]

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

——— provide interest-free loans to Federal employees and District of Columbia employees affected by a Government shutdown (see H.R. 657), H717 [17JA]

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

Dept. of Transportation: require repayment of credit risk premiums paid relative to certain railroad infrastructure loans after obligations attached to such loans have been satisfied (see S. 2213), S5012 [23JY]

Dept. of Veterans Affairs: address fees erroneously collected for housing loans (see S. 2073), S4773 [10JY]

——— allow use of Post-9/11 Veterans Educational Assistance Program funds to repay Federal student loans (see H.R. 5056), H8783 [12NO]

——— establish Veterans Economic Opportunity and Transition Administration (see S. 1003), S2239 [3AP] (see H.R. 2045), H3066 [3AP]

——— prohibit from denying home loans for veterans who legally work in the marijuana industry on the basis of the nature of such work (see S. 3087), S7156 [18DE] (see H.R. 5477), H12209 [18DE]

——— waive fees for Purple Heart recipients serving on active duty for home loan program guaranteed loans (see H.R. 1448), H2313 [28FE]

Discrimination: prohibit on the basis of sex, sexual orientation, or gender identity (see S. 788), S1845 [13MR] (see H.R. 5), H2714 [13MR]

——— prohibit on the basis of sex, sexual orientation, or gender identity, and protect the free exercise of religion (see H.R. 5331), H9345 [6DE]

——— prohibit on the basis of sex, sexual orientation, or gender identity (H.R. 5), consideration (see H. Res. 377), H3787 [14MY]

——— 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]

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

——— prohibit predispute arbitration agreements that force arbitration of disputes arising from private education loans (see H.R. 3764), H5825 [15JY] (see H.R. 4544), H8079 [27SE]

——— 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]

Employment: prohibit use of consumer credit checks against prospective and current employees for the purpose of making adverse employment decisions (see H.R. 3862), H7157 [19JY]

——— prohibit use of consumer credit reports and information for most employment decisions (see H.R. 3614), H5269 [2JY]

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

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 aid programs: prohibit administrative offset of Social Security, railroad retirement, and black lung benefit payments relative to claims arising from Federal debts (see S. 1649), S3105 [23MY] (see H.R. 2991), H4163 [23MY]

Federal employees: enable Federal employees and contractors to correct their credit reports to remove adverse items of information reported as a result of a Government shutdown (see S. 535), S1384 [14FE] (see H.R. 799), H1217 [25JA]

——— prohibit consumer credit reporting agencies and lenders from taking adverse action against Federal employees and contractors impacted by the Government shutdown (see H.R. 1286), H2032 [14FE]

——— protect credit of Federal employees, contractors, and District of Columbia employees affected by a Government shutdown (see H.R. 4328), H7711 [13SE]

——— protect Federal employees and contractors from foreclosures, evictions, loan defaults, property repossession, and other civil liabilties during a lapse in appropriations (see S. 72), S103 [9JA] (see H.R. 588), H674 [16JA]

——— provide for a zero interest loan program for Federal and District of Columbia employees furloughed or excepted from furlough during a lapse in appropriations (see H.R. 1167), H1580 [13FE]

Federal Housing Finance Agency: condemn decision to remove borrower’s preferred language question and housing counseling question from Universal Residential Loan Application and call for reversal of such decision (see H. Res. 728), H9169 [21NO]

——— require each Government-sponsored enterprise to include a preferred language question on the uniform residential loan application (see H.R. 4783), H8386 [22OC]

Financial institutions: 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]

——— 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]

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

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

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: 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]

FTC: codify ban on confessions of judgment in law in consumer loan contracts and expand such ban to provide protections to small businesses (see S. 1961), S4504 [25JN] (see H.R. 3490), H5167 [25JN]

——— 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 Cybersecurity to hold large credit reporting agencies accountable for data breaches involving consumer data (see S. 1336), S2687 [7MY] (see H.R. 2545), H3473 [7MY]

——— 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]

——— review and revise standards for safeguarding customer information to ensure that consumer reporting agencies and service providers maintain sufficient safeguards against cyber attacks and related threats (see H.R. 331), H283 [8JA]

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: issue guidance to clarify that Federal agencies may pay by charge card for charging of Federal electric motor vehicles (see S. 2193), S4948 [18JY]

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

Mortgages: 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 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]

——— clarify that eligibility of certain mortgages with Federal credit enhancement may not be conditioned on the status of a mortgagor as a Deferred Action for Childhood Arrivals program beneficiary (see S. 1929), S4169 [20JN] (see H.R. 3154), H4348 [6JN]

——— 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]

National and Community Service Administration: establish (see H.R. 3464), H5165 [25JN]

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]

National Telecommunications and Information Administration: establish a broadband infrastructure finance and innovation program to support construction and deployment of broadband infrastructure (see S. 2344), S5196 [30JY] (see H.R. 4127), H7480 [30JY]

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]

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]

Political science: express that socialist proposals such as Medicare for All, student loan forgiveness, and the Green New Deal are antithetical to American foundational values of self-responsibility and opportunity (see H. Res. 675), H8718 [31OC]

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: adjust collateral requirements for disaster loans (see H.R. 277), H281 [8JA]

——— expand fee waivers on small-dollar loans for veterans and borrowers in underserved communities (see S. 2138), S4907 [17JY]

——— improve women’s business center program (see H.R. 4405), H7834 [19SE]

——— modify Microloan Program (see S. 996), S2189 [2AP]

——— repeal sunset for collateral requirements for disaster loans (see S. 862), S1939 [25MR]

SEC: issue rule on adoption of Financial Accounting Standards Board accounting principles and require the Board to consider impact such principles will have on the economy, market stability, and credit availability (see H.R. 4565), H8080 [27SE]

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

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]

——— require consumer reporting agencies to provide small business credit protections by informing them of data breaches and prohibiting charging for credit reports following such breaches (see S. 84), S142 [10JA] (see H.R. 4480), H7901 [24SE]

——— require GAO report on access to credit for veteran-owned and controlled small business and SBA report on Interagency Task Force on Veterans Small Business Development (see H.R. 3734), H5774 [12JY]

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

——— prohibit from suspending, revoking, or denying State-issued professional or driver’s licenses or issuing penalties due to student loan default (see S. 609), S1593 [28FE]

Taxation: allow tax credit for employers providing student loan payment assistance for employees (see H.R. 655), H717 [17JA]

——— exclude from gross income any discharge of student loan indebtedness (see S. 1248), S2515 [30AP]

——— exclude from gross income certain federally-subsidized loan repayments for dental school faculty (see S. 359), S919 [6FE] (see H.R. 996), H1390 [6FE]

——— 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]

——— expand exclusion for employer-provided educational assistance and expand availability of student loan interest deduction (see H.R. 5359), H9347 [6DE]

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

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

——— increase deduction allowed for student loan interest and exclude from gross income discharges of income-contigent or income-based student loan indebtedness (see H.R. 1798), H2745 [14MR]

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

——— increase exclusion for educational assistance programs (see H.R. 4849), H8457 [23OC]

——— limit amount that the portion of a taxpayer’s tax refund attributable to the child tax credit and the earned income tax credit may be reduced by reason of student loan debt (see H.R. 5114), H8908 [15NO]

——— 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]

——— permit employers to make matching contributions to workers under certain retirement plans as if worker student loan payments were salary reduction contributions to the retirement plan (see S. 1428), S2786 [13MY]

——— permit withdrawals from certain retirement plans for repayment of student loan debt (see S. 2962), S6788 [2DE]

——— 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 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. 1774), S3319 [11JN]

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

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

——— reform low-income housing credit (see S. 1703), S3215 [4JN] (see H.R. 3077), H4312 [4JN]

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]

Factsheets

12 Key Federal Policies That Have Contributed to the U.S. Racial Wealth and Income Gap: Network Lobby for Catholic Social Justice (organization), H7555 [9SE]

Letters

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

Equality Act: Alethea Predeoux, AFL–CIO, H3807 [15MY]

——— David Stacy, Human Rights Campaign (organization), H3807 [15MY]

——— National Partnership for Women & Families, H3806 [15MY]

——— several civil rights organizations, H3807 [15MY]

Protection of Social Security Benefits Restoration Act: Max Richtman, National Committee To Preserve Social Security and Medicare, S3110 [23MY]

Lists

Organizations supporting H.R. 5, Equality Act, H3808–H3810 [15MY]

Memorandums

Committee on Homeland Security and Governmental Affairs (Senate) Permanent Subcommittee on Investigations Release of Records on Investigation Into Equifax, Inc., Data Breach: Patricia Mack Bryan and Morgan J. Frankel, S2194 [2AP]

Equality Act Impact on Federal Funding of Abortion: National Right to Life Committee, Inc., H3949 [17MY]

Motions

Discrimination: prohibit on the basis of sex, sexual orientation, or gender identity (H.R. 5), H3950 [17MY]

Notices

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. 4067, Financial Inclusion in Banking Act, H8536 [28OC]

Remarks in House

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

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

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

——— 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]

Consumers: extend consumer protections relative to interest rates and credit limits provided to Armed Forces members to veterans, their families, and all consumers (H.R. 5050), E1429 [12NO]

——— require inclusion of credit scores with free annual credit reports provided to consumers, H4094–H4096 [22MY]

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

Dept. of Agriculture: require sale of distressed assets and distribute proceeds to low-income communities for infrastructure projects and deficit reduction, H3469 [7MY]

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

——— disclose annual percentage rates applicable to Federal student loans (H.R. 811), H1250 [29JA]

——— improve opportunities to attain a quality, debt-free degree or credential (H.R. 4424), E1181 [19SE]

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

——— Public Service Loan Forgiveness Program implementation, H5779 [15JY]

——— require provision of student loan information to Consumer Financial Protection Bureau, H3398 [1MY]

——— require provision of student loan information to Consumer Financial Protection Bureau (H.R. 2833), H5984 [17JY]

——— support students in completing an affordable postsecondary education that will prepare them to enter the workforce with skills they need for lifelong success, H9062 [20NO]

Dept. of HHS: authorize a loan repayment program for mental health professionals (H.R. 2431), H3494, H3495 [8MY]

——— develop a program to provide assistance to creditworthy borrowers with Federal student debt in purchasing certain foreclosed homes (H.R. 3511), H5197 [26JN], H7746 [17SE]

——— 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: Financial Literacy and Education Commission funding, H5178 [26JN]

Dept. of Veterans Affairs: adjust certain limits on the guaranteed amount of a home loan under the home loan program, H3749 [14MY]

——— establish Veterans Economic Opportunity and Transition Administration (H.R. 2045), H4045–H4048 [21MY]

——— extend requirement to collect fees on housing loans in order to fund efforts to improve access to child care for certain veterans receiving health care at a departmental facility, H1400–H1403 [7FE]

——— submit plan to implement compliance requirements for veterans’ financial protection against billing errors relative to medical debt, H5018, H5019 [21JN]

Discrimination: prohibit on the basis of sex, sexual orientation, or gender identity, H2654, H2656, H2657 [12MR]

——— prohibit on the basis of sex, sexual orientation, or gender identity (H.R. 5), H2690 [13MR], H2733, H2735, H2736 [14MR], H3715 [10MY], H3799, H3827 [15MY], H3849, H3851, H3917–H3920 [16MY], H3930, H3931–H3953, H3954, H3955, H3956–H3961 [17MY], H3997 [20MY], H4280 [4JN], H4436 [12JN], H5026 [21JN], H7139 [18JY], E617 [16MY], E623 [17MY], E631, E633 [20MY], E666 [23MY]

——— prohibit on the basis of sex, sexual orientation, or gender identity (H.R. 5), consideration (H. Res. 377), H3801–H3813 [15MY]

——— prohibit on the basis of sex, sexual orientation, or gender identity (H.R. 5), motion to recommit, H3950, H3951 [17MY]

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

——— 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]

——— 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]

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

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]

Mortgages: 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]

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

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

SBA: adjust collateral requirements for disaster loans (H.R. 277), H5805, H5806 [15JY]

——— improve women’s business center program (H.R. 4405), H8268–H8274 [21OC]

——— repeal sunset for collateral requirements for disaster loans (S. 862), H9101 [20NO]

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

Small business: require GAO report on access to credit for veteran-owned and controlled small business and SBA report on Interagency Task Force on Veterans Small Business Development (H.R. 3734), H8803–H8805 [13NO]

Taxation: allow tax credit for employers providing student loan payment assistance for employees (H.R. 655), H1234 [28JA]

——— limit amount that the portion of a taxpayer’s tax refund attributable to the child tax credit and the earned income tax credit may be reduced by reason of student loan debt (H.R. 5114), H8884 [15NO]

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

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

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

Consumers: 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]

Dept. of Agriculture: reform and continue agricultural and other programs, S55 [8JA]

——— reform and continue agricultural and other programs (H.R. 2), conference report, S6377 [5NO]

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

——— automatically discharge Federal student loan debt of eligible permanently disabled veterans (S. 2049), S4678 [28JN]

——— 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]

——— eliminate tuition at public colleges and universities, S3020 [22MY], S4781 [11JY]

——— establish an accountability system for colleges and universities based upon rates of student loans repayment, S824 [4FE]

——— provide for institutional risk sharing in Federal student loan programs (S. 968), S2120 [1AP]

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

——— use an income-based repayment plan for Federal student loans, S824 [4FE]

Dept. of Transportation: require repayment of credit risk premiums paid relative to certain railroad infrastructure loans after obligations attached to such loans have been satisfied, S6228 [29OC]

Dept. of Veterans Affairs: establish a permanent community care program and a commission on modernization or realignment of health facilities, and improve construction and home loan program laws, S1353 [14FE]

Discrimination: prohibit on the basis of sex, sexual orientation, or gender identity, S1766 [11MR]

——— prohibit on the basis of sex, sexual orientation, or gender identity (H.R. 5), S4602 [27JN]

——— prohibit on the basis of sex, sexual orientation, or gender identity (S. 788), S3333–S3335 [12JN]

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

Federal aid programs: prohibit administrative offset of Social Security, railroad retirement, and black lung benefit payments relative to claims arising from Federal debts (S. 1649), S3110 [23MY]

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

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

Menashi, Steven J.: suitability to be circuit judge relative to role in limiting student loan relief for students defrauded by for-profit colleges while serving as acting Dept. of Education general counsel, S6518, S6545 [13NO], S6582 [14NO], S6665 [19NO]

Mortgages: 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]

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

SBA: repeal sunset for collateral requirements for disaster loans (S. 862), S5320, S5321 [1AU]

Senate: legislative priorities, S5457–S5459 [12SE]

Taxation: exclude from gross income certain federally-subsidized loan repayments for dental school faculty (S. 359), S921 [6FE]

——— extend certain expiring provisions of the Internal Revenue Code, S5037 [24JY]

——— reform low-income housing credit (S. 1703), S3218 [4JN]

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

Reports filed

Access to Sufficient Capital for Everyone in Natural Disaster Areas (ASCEND) Act: Committee on Small Business (House) (H.R. 277) (H. Rept. 116–115), H4693 [13JN]

Charging Helps Agencies Realize General Efficiencies (CHARGE) Act: Committee on Homeland Security and Governmental Affairs (Senate) (S. 2193) (S. Rept. 116–95), S5406 [10SE]

Clarity in Credit Score Formation Act: Committee on Financial Services (House) (H.R. 3629) (H. Rept. 116–307), H9167 [21NO]

Consideration of H.R. 5, Equality Act: Committee on Rules (House) (H. Res. 377) (H. Rept. 116–61), H3787 [14MY]

Dept. of Veterans Affairs Veterans Economic Opportunity and Transition Administration Establishment: Committee on Veterans’ Affairs (House) (H.R. 2045) (H. Rept. 116–69), H3922 [16MY]

Equality Act: Committee on the Judiciary (House) (H.R. 5) (H. Rept. 116–56), H3726 [10MY]

FHA Loan Affordability Act: Committee on Financial Services (House) (H.R. 3141) (H. Rept. 116–282), H8782 [12NO]

Free Credit Scores for Consumers Act: Committee on Financial Services (House) (H.R. 3618) (H. Rept. 116–306), H9167 [21NO]

Homeownership for DREAMers Act: Committee on Financial Services (House) (H.R. 3154) (H. Rept. 116–197), H7534 [6SE]

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

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

Rebuilding Small Businesses After Disasters Act: Committee on Small Business and Entrepreneurship (Senate) (S. 862), S2234 [3AP]

Restoring Unfairly Impaired Credit and Protecting Consumers Act: Committee on Financial Services (House) (H.R. 3622) (H. Rept. 116–362), H12297 [23DE]

Restricting Credit Checks for Employment Decisions Act: Committee on Financial Services (House) (H.R. 3614) (H. Rept. 116–305), H9167 [21NO]

Student Borrower Credit Improvement Act: Committee on Financial Services (House) (H.R. 3621) (H. Rept. 116–331), H9386 [9DE]

Successful Entrepreneurship for Reservists and Veterans (SERV) Act: Committee on Small Business (House) (H.R. 3734) (H. Rept. 116–233), H8142 [15OC]

Women’s Business Centers Improvements Act: Committee on Small Business (House) (H.R. 4405) (H. Rept. 116–239), H8226 [17OC]

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. 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. 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. 377, consideration of H.R. 5, Equality Act, H.R. 312, Mashpee Wampanoag Tribe Reservation Reaffirmation Act, and H.R. 987, Strengthening Health Care and Lowering Prescription Drug Costs Act, H3801 [15MY]

H.R. 5, Equality Act, H3931–H3934 [17MY]

H.R. 277, Access to Sufficient Capital for Everyone in Natural Disaster Areas (ASCEND) Act, H5805 [15JY]

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

H.R. 2045, Dept. of Veterans Affairs Veterans Economic Opportunity and Transition Administration establishment, H4045 [21MY]

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

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

H.R. 2852, Homebuyer Assistance Act, H7572 [10SE]

H.R. 3734, Successful Entrepreneurship for Reservists and Veterans (SERV) Act, H8803 [13NO]

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

H.R. 4405, Women’s Business Centers Improvements Act, H8268–H8272 [21OC]

S. 862, Rebuilding Small Businesses After Disasters Act, H9102 [20NO]

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. 1428, Retirement Parity for Student Loans Act, S2790 [13MY]

S. 1649, Protection of Social Security Benefits Restoration Act, S3110 [23MY]

S. 1722, FHA Appraiser Eligibility Expansion Act, S3255 [5JN]

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. 2193, issue guidance to clarify that Federal agencies may pay by charge card for charging of Federal electric motor vehicles, S6764 [21NO]

S. 2523, Adjunct Faculty Loan Fairness Act, S5607 [19SE]

S. Res. 139, Committee on Homeland Security and Governmental Affairs (Senate) Permanent Subcommittee on Investigations release of records on investigation into Equifax, Inc., data breach, S2194 [2AP]

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

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