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Current Legislation

Senate - Introduced Bills

Description:

To help struggling families stay in their homes and to ensure that taxpayers are protected when the Secretary of the Treasury purchases equity shares in financial institutions.

Description:

A bill to provide authority for the Federal Government to purchase and insure certain types of troubled assets for the purposes of providing stability to and preventing disruption in the economy and financial system and protecting taxpayers, to amend the Internal Revenue Code of 1986 to provide incentives for energy production and conservation, to extend certain expiring provisions, to provide individual income tax relief, and for other purposes.

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To amend title 11, United States Code, with respect to the priority of certain high cost credit debts.

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To amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions.

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A bill to amend the Federal Home Loan Bank Act to allow Federal home loan banks to invest surplus funds in student loan securities and make advances for student loan financing, and for other purposes.

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A bill to amend the Federal Home Loan Bank Act to allow Federal home loan banks to invest surplus funds in student loan securities and make advances for student loan financing, and for other purposes.

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To protect consumers, and especially young consumers, from skyrocketing credit card debt, unfair credit card practices, and deceptive credit offers.

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A bill to provide housing reform with provisions that include an increase in the available funds for pre-foreclosure counseling by $200 million and removing the prohibition on bankruptcy judges to modify the mortgages on the primary residence of chapter 13 debtors.

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To amend the Internal Revenue Code of 1986 to exclude discharges of indebtedness on principal residences from gross income.

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A bill to amend the Truth in Lending Act to provide protection to consumers with respect to certain high-cost loans, and for other purposes.

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A bill to authorize bankruptcy courts to take certain actions with respect to mortgage loans in bankruptcy, and for other purposes.

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To amend title 11, United States Code, to improve protections for employees and retirees in business bankruptcies.

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Prohibits pre-dispute mandatory arbitration clauses in consumer agreements.

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To amend chapter 1 of title 9 of United States Code with respect to arbitration.

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To adjust the salaries of Federal justices and judges, and for other purposes.

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To amend title 11, United States Code, with respect to exceptions to discharge in bankruptcy for certain qualified educational loans.

Description:

To prevent unfair practices in credit card accounts, and for other purposes.

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A bill to amend the Investment Advisors Act of 1940, with respect to the exemption to registration requirements for hedge funds.

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Amends the Housing and Urban Development Act of 1968 to reauthorize and revise requirements for assistance with respect to housing for low- and moderate-income families.

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Amends the Higher Education Act of 1965 to require each lender entering into an educational loan arrangement with a postsecondary school to: (1) report annually to the Secretary of Education specified information concerning such arrangement\; (2) inform borrowers of their loan options under title IV (Student Assistance) before extending private educational loans for attendance at such school\; and (3) be barred by such school from marketing such loans in a manner implying the school's endorsement.

Description:

To establish on behalf of consumers a fiduciary duty and other standards of care for mortgage brokers and originators, and to establish standards to assess a consumer's ability to repay, and for other purposes.

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A bill to stop mortgage transactions which operate to promote fraud, risk, abuse, and under-development, and for other purposes.

Description:

Requirements of the Credit Card Minimum Payment Warning Act include a) a warning that paying the minimum rate will increase the interest owed\; b) the years and months it will take to pay off at the minimum rate\; c) the total costs in interest and principal at the minimum rate\; d) the monthly payment required to pay the balance off in three years\; and e) a toll-free number for credit counseling and debt management assistance.

Description:

To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation.

Description:

A bill to prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

Description:

Amend the Higher Education Act of 1965 to reduce the interest rate on certain undergraduate student loans over a 5-year period.

House - Introduced Bills

Description:

To make technical corrections related to the Pension Protection Act of 2006, and for other purposes.

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To authorize financial assistance to eligible automobile manufacturers, and for other purposes.

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To create a voluntary FHA program that provides mortgage refinancing assistance to allow families to stay in their homes, protect neighborhoods, and help stabilize the housing market.

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To ensure continued availability of access to the Federal student loan program for students and families.

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To amend the Real Estate Settlement Procedures Act of 1974 to require mortgagees for mortgages in default to engage in reasonable loss mitigation activities.

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To remove an impediment to troubled debt restructuring on the part of holders of residential mortgage loans, and for other purposes.

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To amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes.

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To amend title 11 of the United States Code to provide protection for medical debt homeowners, to restore bankruptcy protections for individuals experiencing economic distress as caregivers to ill or disabled family members, and to exempt from means testing debtors whose financial problems were caused by serious medical problems.

Description:

To amend the Truth in Lending Act to remove an impediment to troubled debt restructuring on the part of holders of residential mortgage loans, and for other purposes.

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To amend the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 to exempt from the means test in bankruptcy cases, for a limited period, qualifying reserve-component members who, after September 11, 2001, are called to active duty or to perform a homeland defense activity for not less than 60 days.

Description:

Revises treatment income of partners for performing investment management services to be treated as ordinary income, allows an exclusion from gross income for up to $2 million of the income attributable to discharges of home mortgage indebtedness incurred after January 1, 2007 and other provisions.

Description:

To increase the pay of Federal judges, and for other purposes.

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To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, establish licensing and registration requirements for residential mortgage originators and provide certain minimum standards for consumer mortgage loans.

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To amend the Truth in Lending Act to prohibit mortgage originators from receiving incentive compensation that varies with the terms of a residential mortgage loan and from steering consumers to residential mortgage loans that are not in the consumers' best interest, and for other purposes.

Description:

To authorize bankruptcy courts to take certain actions with respect to mortgage loans in bankruptcy, and for other purposes.

Description:

To amend title 11, United States Code, to improve protections for employees and retirees in business bankruptcies.

Description:

To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes.

Description:

To amend the Truth in Lending Act to provide for the establishment of fair mortgage practices, generally, and for subprime mortgages in particular, to provide for a national system for licensing or registering residential mortgage loan originators, and for other purposes.

Description:

To amend chapter 1 of title 9 of United States Code with respect to arbitration.

Description:

To amend the Truth in Lending Act and the Federal Deposit Insurance Act to prohibit payday loans based on checks drawn on, or authorized withdrawals from, depository institutions and to prohibit insured depository institutions from making payday loans, and for other purposes.

Description:

To amend title I of the Employee Retirement Income Security Act of 1974 to require in the annual report of each defined benefit pension plan disclosure of plan investments in hedge funds.

Description:

To amend the Investment Advisers Act of 1940 to authorize the Commission to require the registration of hedge fund advisers under that Act.

Description:

Amends the Higher Education Act of 1965 to require each lender entering into an educational loan arrangement with a postsecondary school to: (1) report annually to the Secretary of Education specified information concerning such arrangement\; (2) inform borrowers of their loan options under title IV (Student Assistance) before extending private educational loans for attendance at such school\; and (3) be barred by such school from marketing such loans in a manner implying the school's endorsement.

Description:

A bill to amend the Truth in Lending Act to prohibit universal defaults on credit card accounts, and for other purposes.

Description:

To amend the Federal Home Loan Bank Act to allow Federal home loan banks to invest surplus funds in student loan securities and make advances for student loan financing, and for other purposes.

Description:

To modernize and update the National Housing Act and enable the Federal Housing Administration to use risk-based pricing to more effectively reach underserved borrowers, and for other purposes.

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To require enhanced disclosure to consumers regarding the consequences of making only minimum required payments in the repayment of credit card debt, and for other purposes.

Description:

To amend the Consumer Credit Protection Act to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes.

Description:

To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes.

Description:

To amend the Truth in Lending Act to prohibit fees by creditors for payments
on credit card accounts by electronic fund transfers, and for other purposes.

Description:

Amends the Higher Education Act of 1965 to phase-in interest rate cuts charged to undergraduate student borrowers under the Federal Family Education Loan (FFEL) and Direct Loan (DL) programs. Gradually reduces student loan rates from 6.8 percent in July 2006 to 3.4 percent by July 2011.

Description:

To designate the United States bankruptcy courthouse located at 271 Cadman Plaza East, Brooklyn, New York, as the `Conrad Duberstein United States Bankruptcy Courthouse.'