<mods xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:exslt="http://exslt.org/common" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.loc.gov/mods/v3" version="3.3" xsi:schemaLocation="http://www.loc.gov/mods/v3 http://www.loc.gov/standards/mods/v3/mods-3-3.xsd" ID="P0b002ee19338708c">
    <name type="corporate">
         <namePart>United States Government Publishing Office</namePart>
         <role>
              <roleTerm authority="marcrelator" type="text">publisher</roleTerm>
              <roleTerm authority="marcrelator" type="code">pbl</roleTerm>
        </role>
         <role>
              <roleTerm authority="marcrelator" type="text">distributor</roleTerm>
              <roleTerm authority="marcrelator" type="code">dst</roleTerm>
        </role>
    </name>
    <name type="corporate">
         <namePart>United States</namePart>
         <namePart>Congress</namePart>
         <namePart>Senate</namePart>
         <role>
              <roleTerm authority="marcrelator" type="text">author</roleTerm>
              <roleTerm authority="marcrelator" type="code">aut</roleTerm>
        </role>
         <description>Government Organization</description>
    </name>
    <typeOfResource>text</typeOfResource>
    <genre authority="marcgt">government publication</genre>
    <language>
         <languageTerm type="code" authority="iso639-2b">eng</languageTerm>
    </language>
    <extension>
         <collectionCode>CHRG</collectionCode>
         <category>Congressional Committee Materials</category>
         <waisDatabaseName>114_senate_hearings</waisDatabaseName>
         <branch>legislative</branch>
         <dateIngested>2017-01-04</dateIngested>
    </extension>
    <titleInfo>
         <title>THE CONSUMER FINANCIAL PROTECTION BUREAU&apos;S SEMIANNUAL REPORT TO CONGRESS</title>
    </titleInfo>
    <titleInfo type="alternative"></titleInfo>
    <location>
         <url displayLabel="Content Detail" access="object in context">https://www.govinfo.gov/app/details/CHRG-114shrg97399</url>
         <url displayLabel="HTML rendition" access="raw object">https://www.govinfo.gov/content/pkg/CHRG-114shrg97399/html/CHRG-114shrg97399.htm</url>
         <url displayLabel="PDF rendition" access="raw object">https://www.govinfo.gov/content/pkg/CHRG-114shrg97399/pdf/CHRG-114shrg97399.pdf</url>
    </location>
    <originInfo>
         <publisher>U.S. Government Publishing Office</publisher>
         <dateIssued encoding="w3cdtf">2015-07-15</dateIssued>
         <issuance>monographic</issuance>
    </originInfo>
    <physicalDescription>
         <note type="source content type">deposited</note>
         <digitalOrigin>born digital</digitalOrigin>
         <extent>268 digital object pages</extent>
    </physicalDescription>
    <classification authority="sudocs">Y 4.B 22/3:</classification>
    <identifier type="uri">https://www.govinfo.gov/app/details/CHRG-114shrg97399</identifier>
    <identifier type="local">P0b002ee19338708c</identifier>
    <identifier type="ILS system id">001006692</identifier>
    <identifier type="former package identifier">f:97399.txt</identifier>
    <recordInfo>
         <recordContentSource authority="marcorg">DGPO</recordContentSource>
         <recordCreationDate encoding="w3cdtf">2017-01-04</recordCreationDate>
         <recordChangeDate encoding="w3cdtf">2025-08-22</recordChangeDate>
         <recordIdentifier source="DGPO">CHRG-114shrg97399</recordIdentifier>
         <recordOrigin>machine generated</recordOrigin>
         <languageOfCataloging>
              <languageTerm type="code" authority="iso639-2b">eng</languageTerm>
        </languageOfCataloging>
    </recordInfo>
    <accessCondition type="GPO scope determination">fdlp</accessCondition>
    <extension>
         <docClass>SHRG</docClass>
         <accessId>CHRG-114shrg97399</accessId>
         <type>G</type>
         <chamber>SENATE</chamber>
         <congress years="2015-2016">114</congress>
         <session>1</session>
         <number>104</number>
         <heldDate>2015-07-15</heldDate>
         <preferredCitation>S. Hrg. 114-104</preferredCitation>
    </extension>
    <extension>
         <searchTitle>THE CONSUMER FINANCIAL PROTECTION BUREAU&apos;S SEMIANNUAL REPORT TO CONGRESS</searchTitle>
         <granuleClass>OTHERPART</granuleClass>
         <accessId>CHRG-114shrg97399</accessId>
         <graphicsInPDF>true</graphicsInPDF>
         <witness>Richard Cordray, Director, Consumer Financial Protection Bureau</witness>
         <isAppropriation>false</isAppropriation>
         <jacketId>97-399</jacketId>
         <congCommittee authorityId="ssbk00" chamber="S" congress="114" type="S">
                                    
              <name type="authority-standard">Committee on Banking, Housing, and Urban Affairs</name>
                                    
              <name type="authority-short">Banking, Housing, and Urban Affairs</name>
                                
        </congCommittee>
         <congMember bioGuideId="B000944" chamber="S" congress="114" party="D" role="COMMMEMBER" state="OH">
                                    
              <name type="parsed">SHERROD BROWN of Ohio</name>
                                    
              <name type="authority-fnf">Sherrod Brown</name>
                                    
              <name type="authority-lnf">Brown, Sherrod</name>
                                
        </congMember>
         <congMember bioGuideId="C000880" chamber="S" congress="114" party="R" role="COMMMEMBER" state="ID">
                                    
              <name type="parsed">MIKE CRAPO of Idaho</name>
                                    
              <name type="authority-fnf">Mike Crapo</name>
                                    
              <name type="authority-lnf">Crapo, Mike</name>
                                
        </congMember>
         <congMember bioGuideId="C001071" chamber="S" congress="114" party="R" role="COMMMEMBER" state="TN">
                                    
              <name type="parsed">BOB CORKER of Tennessee</name>
                                    
              <name type="authority-fnf">Bob Corker</name>
                                    
              <name type="authority-lnf">Corker, Bob</name>
                                
        </congMember>
         <congMember bioGuideId="C001095" chamber="S" congress="114" party="R" role="COMMMEMBER" state="AR">
                                    
              <name type="parsed">TOM COTTON of Arkansas</name>
                                    
              <name type="authority-fnf">Tom Cotton</name>
                                    
              <name type="authority-lnf">Cotton, Tom</name>
                                
        </congMember>
         <congMember bioGuideId="D000607" chamber="S" congress="114" party="D" role="COMMMEMBER" state="IN">
                                    
              <name type="parsed">JOE DONNELLY of Indiana</name>
                                    
              <name type="authority-fnf">Joe Donnelly</name>
                                    
              <name type="authority-lnf">Donnelly, Joe</name>
                                
        </congMember>
         <congMember bioGuideId="H001041" chamber="S" congress="114" party="R" role="COMMMEMBER" state="NV">
                                    
              <name type="parsed">DEAN HELLER of Nevada</name>
                                    
              <name type="authority-fnf">Dean Heller</name>
                                    
              <name type="authority-lnf">Heller, Dean</name>
                                
        </congMember>
         <congMember bioGuideId="H001069" chamber="S" congress="114" party="D" role="COMMMEMBER" state="ND">
                                    
              <name type="parsed">HEIDI HEITKAMP of North Dakota</name>
                                    
              <name type="authority-fnf">Heidi  Heitkamp</name>
                                    
              <name type="authority-lnf">Heitkamp, Heidi</name>
                                    
              <name type="authority-other">Heidi Heitkamp</name>
                                
        </congMember>
         <congMember bioGuideId="K000360" chamber="S" congress="114" party="R" role="COMMMEMBER" state="IL">
                                    
              <name type="parsed">MARK KIRK of Illinois</name>
                                    
              <name type="authority-fnf">Mark Kirk</name>
                                    
              <name type="authority-lnf">Kirk, Mark Steven</name>
                                    
              <name type="authority-other">Mark Steven Kirk</name>
                                
        </congMember>
         <congMember bioGuideId="M000639" chamber="S" congress="114" party="D" role="COMMMEMBER" state="NJ">
                                    
              <name type="parsed">ROBERT MENENDEZ of New Jersey</name>
                                    
              <name type="authority-fnf">Robert Menendez</name>
                                    
              <name type="authority-lnf">Menendez, Robert</name>
                                
        </congMember>
         <congMember bioGuideId="M000934" chamber="S" congress="114" party="R" role="COMMMEMBER" state="KS">
                                    
              <name type="parsed">JERRY MORAN of Kansas</name>
                                    
              <name type="authority-fnf">Jerry Moran</name>
                                    
              <name type="authority-lnf">Moran, Jerry</name>
                                
        </congMember>
         <congMember bioGuideId="M001176" chamber="S" congress="114" party="D" role="COMMMEMBER" state="OR">
                                    
              <name type="parsed">JEFF MERKLEY of Oregon</name>
                                    
              <name type="authority-fnf">Jeff Merkley</name>
                                    
              <name type="authority-lnf">Merkley, Jeff</name>
                                
        </congMember>
         <congMember bioGuideId="R000122" chamber="S" congress="114" party="D" role="COMMMEMBER" state="RI">
                                    
              <name type="parsed">JACK REED of Rhode Island</name>
                                    
              <name type="authority-fnf">Jack Reed</name>
                                    
              <name type="authority-lnf">Reed, Jack</name>
                                    
              <name type="authority-other">John Reed</name>
                                    
              <name type="authority-other">John F. Reed</name>
                                
        </congMember>
         <congMember bioGuideId="R000605" chamber="S" congress="114" party="R" role="COMMMEMBER" state="SD">
                                    
              <name type="parsed">MIKE ROUNDS of South Dakota</name>
                                    
              <name type="authority-fnf">Mike Rounds</name>
                                    
              <name type="authority-lnf">Rounds, Mike</name>
                                
        </congMember>
         <congMember bioGuideId="S000148" chamber="S" congress="114" party="D" role="COMMMEMBER" state="NY">
                                    
              <name type="parsed">CHARLES E. SCHUMER of New York</name>
                                    
              <name type="authority-fnf">Charles E. Schumer</name>
                                    
              <name type="authority-lnf">Schumer, Charles E.</name>
                                    
              <name type="authority-other">Charles Schumer</name>
                                
        </congMember>
         <congMember bioGuideId="S000320" chamber="S" congress="114" party="R" role="COMMMEMBER" state="AL">
                                    
              <name type="parsed">RICHARD C. SHELBY of Alabama</name>
                                    
              <name type="authority-fnf">Richard C. Shelby</name>
                                    
              <name type="authority-lnf">Shelby, Richard C.</name>
                                    
              <name type="authority-other">Richard Shelby</name>
                                
        </congMember>
         <congMember bioGuideId="S001184" chamber="S" congress="114" party="R" role="COMMMEMBER" state="SC">
                                    
              <name type="parsed">TIM SCOTT of South Carolina</name>
                                    
              <name type="authority-fnf">Tim Scott</name>
                                    
              <name type="authority-lnf">Scott, Tim</name>
                                
        </congMember>
         <congMember bioGuideId="S001197" chamber="S" congress="114" party="R" role="COMMMEMBER" state="NE">
                                    
              <name type="parsed">BEN SASSE of Nebraska</name>
                                    
              <name type="authority-fnf">Ben Sasse</name>
                                    
              <name type="authority-lnf">Sasse, Ben</name>
                                
        </congMember>
         <congMember bioGuideId="T000461" chamber="S" congress="114" party="R" role="COMMMEMBER" state="PA">
                                    
              <name type="parsed">PATRICK J. TOOMEY of Pennsylvania</name>
                                    
              <name type="authority-fnf">Patrick J. Toomey</name>
                                    
              <name type="authority-lnf">Toomey, Patrick</name>
                                    
              <name type="authority-other">Patrick Toomey</name>
                                
        </congMember>
         <congMember bioGuideId="T000464" chamber="S" congress="114" party="D" role="COMMMEMBER" state="MT">
                                    
              <name type="parsed">JON TESTER of Montana</name>
                                    
              <name type="authority-fnf">Jon Tester</name>
                                    
              <name type="authority-lnf">Tester, Jon</name>
                                
        </congMember>
         <congMember bioGuideId="V000127" chamber="S" congress="114" party="R" role="COMMMEMBER" state="LA">
                                    
              <name type="parsed">DAVID VITTER of Louisiana</name>
                                    
              <name type="authority-fnf">David Vitter</name>
                                    
              <name type="authority-lnf">Vitter, David</name>
                                
        </congMember>
         <congMember bioGuideId="W000805" chamber="S" congress="114" party="D" role="COMMMEMBER" state="VA">
                                    
              <name type="parsed">MARK R. WARNER of Virginia</name>
                                    
              <name type="authority-fnf">Mark R. Warner</name>
                                    
              <name type="authority-lnf">Warner, Mark R.</name>
                                    
              <name type="authority-other">Mark Warner</name>
                                
        </congMember>
         <congMember bioGuideId="W000817" chamber="S" congress="114" party="D" role="COMMMEMBER" state="MA">
                                    
              <name type="parsed">ELIZABETH WARREN of Massachusetts</name>
                                    
              <name type="authority-fnf">Elizabeth Warren</name>
                                    
              <name type="authority-lnf">Warren, Elizabeth</name>
                                    
              <name type="authority-other">Elizabeth A. Warren</name>
                                
        </congMember>
         <law congress="114" isPrivate="false" number="94"></law>
         <USCode title="15">
                                    
              <section detail="(2)" number="1693k"></section>
                                
        </USCode>
         <cfr title="12">
                                    
              <part detail=".10(e)(2)" number="1005"></part>
                                
        </cfr>
         <isNomination>false</isNomination>
         <isErrata>false</isErrata>
    </extension>
    <name type="corporate">
         <namePart>United States</namePart>
         <namePart>Congress</namePart>
         <namePart>Senate</namePart>
         <namePart>Committee on Banking, Housing, and Urban Affairs</namePart>
         <role>
              <roleTerm authority="marcrelator" type="text">associated name</roleTerm>
              <roleTerm authority="marcrelator" type="code">asn</roleTerm>
        </role>
         <description>Government Organization</description>
    </name>
    <name type="personal">
         <namePart>Sherrod Brown</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Mike Crapo</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Bob Corker</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Tom Cotton</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Joe Donnelly</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Dean Heller</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Heidi  Heitkamp</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Mark Kirk</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Robert Menendez</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Jerry Moran</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Jeff Merkley</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Jack Reed</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Mike Rounds</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Charles E. Schumer</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Richard C. Shelby</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Tim Scott</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Ben Sasse</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Patrick J. Toomey</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Jon Tester</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>David Vitter</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Mark R. Warner</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Elizabeth Warren</namePart>
         <affiliation>United States Senate</affiliation>
         <role>
              <roleTerm type="text">committee member</roleTerm>
        </role>
         <description>United States Congressional Member</description>
    </name>
    <name type="personal">
         <namePart>Richard Cordray, Director, Consumer Financial Protection Bureau</namePart>
         <role>
              <roleTerm authority="marcrelator" type="text">witness</roleTerm>
              <roleTerm authority="marcrelator" type="code">wit</roleTerm>
        </role>
         <description>Hearing Witness</description>
    </name>
    <relatedItem type="isReferencedBy">
         <identifier type="Jacket citation"></identifier>
    </relatedItem>
    <relatedItem type="isReferencedBy">
         <titleInfo>
              <title>United States Code</title>
              <partNumber>Title 15 Section 1693k(2)</partNumber>
        </titleInfo>
         <identifier type="USC citation">15 U.S.C. 1693k(2)</identifier>
    </relatedItem>
    <relatedItem type="isReferencedBy">
         <titleInfo>
              <title>United States Public Law 94 (114th Congress)</title>
        </titleInfo>
         <identifier type="public law citation">Public Law 114-94</identifier>
         <identifier type="public law citation">Public Law No 114-94</identifier>
    </relatedItem>
    <relatedItem type="isReferencedBy">
         <titleInfo>
              <title>Code of Federal Regulations</title>
              <partNumber>Title 12 Part 1005.10(e)(2)</partNumber>
        </titleInfo>
         <identifier type="CFR citation">12 CFR Part  1005.10(e)(2)</identifier>
    </relatedItem>
</mods>