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Current Legislation

Senate - Introduced Bills

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To amend chapter 11 of title 11, United States Code, to address reorganization of small businesses, and for other purposes.

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To provide the option of discharging certain unsecured financial obligations of self-governing territories of the United
States.
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To amend title 9 of the United States Code with respect to arbitration.

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A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Payday, Vehicle, Title, and Certain High-Cost Installment Loans."

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To amend title 11, United States Code, to promote the investigation of fraudulent claims against certain trusts, to amend title 18, United States Code, to provide penalties against fraudulent claims against certain trusts, and for other purposes.

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To stop financial institution crime, require certain officers of companies to certify that they have conducted due diligence relating to criminal conduct or civil fraud, create accountability in deferred prosecution agreements, and for other purposes.

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To amend title 38, United States Code, to protect veterans from predatory lending, and for other purposes.

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To amend title 28, United States Code, to modify venue requirements relating to bankruptcy proceedings.

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To amend title 11, United States Code, to prioritize certain pension claims in bankruptcy, and for other purposes.

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To promote economic growth, provide tailored regulatory relief, and enhance consumer protections, and for other purposes.

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To amend the Truth in Lending Act to provide a safe harbor from certain requirements related to qualified mortgages for residential mortgage loans held on an originating depository institution’s portfolio, and for other purposes.

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To ensure that irresponsible corporate executives, rather than shareholders, pay fines and penalties.

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To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision, and for other purposes.

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A bill to amend the Fair Credit Reporting Act to enhance fraud alert procedures and provide free access to credit freezes, and for other purposes.

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A bill to amend the Fair Credit Reporting Act to provide access to free credit freezes for all consumers.

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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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Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to “Arbitration Agreements”.
 
Resolved by the Senate and House of Representatives of the United States of America in Congress assembled, That Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to “Arbitration Agreements” (82 Fed. Reg. 33210 (July 19, 2017)), and such rule shall have no force or effect.
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To amend the Higher Education Act of 1965 to reduce the interest rate caps for Federal Direct student loans, to eliminate loan origination fees on all Federal Direct student loans, and to provide for refinancing of Federal Direct student loans and Federal family education loans.

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To amend the Higher Education Act of 1965 to reduce the interest rate caps for Federal Direct student loans, to eliminate loan origination fees on all Federal Direct student loans, and to provide for refinancing of Federal Direct student loans and Federal family education loans.

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To increase from $10,000,000,000 to $50,000,000,000 the threshold figure at which regulated depository institutions are subject to direct examination and reporting requirements of the Bureau of Consumer Financial Protection, and for other purposes.

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To ensure the compliance of Department of Defense regulations with Federal consumer protection laws on the collection of debt.

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To amend the Higher Education Act of 1965 to provide for a percentage of student loan forgiveness for public service employment, and for other purposes.

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To allow the Bureau of Consumer Financial Protection to provide greater protection to servicemembers.

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To amend the Employee Retirement Income Security Act of 1974 to ensure that retirement investors receive advice in their best interests, and for other purposes.

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To raise the consolidated assets threshold under the small bank holding company policy statement, and for other purposes.

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

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To amend title 11 of the United States Code to clarify the rule allowing discharge as a nonpriority claim of governmental claims arising from the disposition of farm assets under chapter 12 bankruptcies.

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To amend the Higher Education Act of 1965 to provide for the refinancing of certain Federal student loans, and for other purposes.

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To amend the Financial Stability Act of 2010 to modify the requirements of stress tests.

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To protect the investment choices of investors in the United States, and for other purposes.

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To amend title 28, United States Code, to authorize the appointment of additional bankruptcy judges, and for other purposes.

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To amend the Internal Revenue Code of 1986 to provide for the proper tax treatment of personal service income earned in pass-thru entities.

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To exempt certain financial institutions from regulations issued under the Dodd-Frank Wall Street Reform and Consumer Protection Act.

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To reduce risks to the financial system by limiting banks’ ability to engage in certain risky activities and limiting conflicts of interest, to reinstate certain Glass-Steagall Act protections that were repealed by the Gramm-Leach-Bliley Act, and for other purposes.

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To amend the Federal Deposit Insurance Act to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets, and for other purposes.

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To amend the Higher Education Act of 1965 to require the disclosure of the annual percentage rates applicable to Federal student loans.

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To amend the Truth in Lending Act and the Electronic Fund Transfer Act to provide justice to victims of fraud.

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To amend title 9, United States Code, with respect to arbitration.

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

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A bill to amend the Consumer Financial Protection Act of 2010 to subject the Bureau of Consumer Financial Protection to the regular appropriations process, and for other purposes.

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A bill to eliminate the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010.

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A bill to amend the Consumer Financial Protection Act of 2010 to remove the funding cap relating to the transfer of funds from the Board of Governors of the Federal Reserve System to the Bureau of Consumer Financial Protection, and for other purposes.

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To prevent conflicts of interest that stem from executive Government employees receiving bonuses or other compensation arrangements from nongovernment sources, from the revolving door that raises concerns about the independence of financial services regulators, and from the revolving door that casts aspersions over the awarding of Government contracts and other financial benefits.

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To amend Rule 11 of the Federal Rules of Civil Procedure to improve attorney accountability, and for other purposes.

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A bill to prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt.

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A bill to amend the Consumer Financial Protection Act of 2010 to transition the Bureau of Consumer Financial Protection to a 5-member board of directors.

House - Introduced Bills

Description:

To amend title 11 of the United States Code to modify the circumstances under current law to allow an individual debtor to discharge certain educational loans and educational benefits received by the debtor more than 5 years before the commencement of the bankruptcy case under such title.

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To amend the Internal Revenue Code of 1986 to exclude from income discharge of medical indebtedness.

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To amend the Fair Debt Collection Practices Act to prohibit a court from making an award of costs to a defendant except on a finding that an action was brought in bad faith.

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To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to establish an exemption from the credit valuation adjustment calculation for uncleared derivatives transactions with end-users so that United States companies are not disadvantaged, and for other purposes.

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Providing for consideration of the bill (H.R. 4061) to amend the Financial Stability Act of 2010 to improve the transparency of the Financial Stability Oversight Council, to improve the SIFI designation process, and for other purposes, and providing for consideration of the bill (H.R. 4293) to reform the Comprehensive Capital Analysis and Review process, the Dodd-Frank Act Stress Test process, and for other purposes.

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To amend the Volcker rule to give the Board of Governors of the Federal Reserve System sole rulemaking authority, to exclude community banks from the requirements of the Volcker rule, and for other purposes.

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To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to provide relief to nonbanks from certain stress test requirements under such Act.

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To amend the Fair Debt Collection Practices Act to exclude law firms and licensed attorneys who are engaged in activities related to legal proceedings from the definition of a debt collector, to amend the Consumer Financial Protection Act of 2010 to prevent the Bureau of Consumer Financial Protection from exercising supervisory or enforcement authority with respect to attorneys when undertaking certain actions related to legal proceedings, and for other purposes.

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To limit the collection of annual premiums under the FHA program for mortgage insurance for single family housing, and for other purposes.

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To amend the Higher Education Act of 1965 to direct the Secretary of Education to develop a plain language disclosure form for borrowers of Federal student loans, and for other purposes.

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To amend the Financial Stability Act of 2010 to improve the transparency of the Financial Stability Oversight Council, to improve the SIFI designation process, and for other purposes.

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To improve the quality of proxy advisory firms for the protection of investors and the U.S. economy, and in the public interest, by fostering accountability, transparency, responsiveness, and competition in the proxy advisory firm industry.

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To provide for the refinancing and recalculation of certain Federal student loans, and for other purposes.

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To provide for the establishment of a mechanism to allow borrowers of Federal student loans to refinance their loans, to amend the Internal Revenue Code of 1986 to extend the exclusion for employer-provided educational assistance to employer payment of interest on certain refinanced student loans, and for other purposes.

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To amend title 11, United States Code, to include certain pension as administrative expenses in bankruptcy, and for other purposes.

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To specify the scope of judicial review of certain agency actions, and for other purposes.

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To require the Federal prudential banking agencies to determine whether certain institutions they regulate engage in a pattern or practice of violations of Federal banking and consumer protection laws and regulations, to provide for the revocation of banking charters and Federal deposit insurance for such institutions, and for other purposes.

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To amend the Fair Credit Reporting Act to provide access to free credit freezes for all consumers.

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To amend the Higher Education Act of 1965 and the Truth in Lending Act to clarify the application of prepayment amounts on student loans.

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To require notification following a breach of security of a system containing personal information, and for other purposes.

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To amend the Securities Exchange Act of 1934 to provide specific credit risk retention requirements to certain qualifying collateralized loan obligations.

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To amend the Fair Credit Reporting Act to require consumer reporting agencies to place a security freeze on a consumer report without a fee if the consumer reporting agency is subject to a breach of data security, and for other purposes.

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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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To amend the Fair Credit Reporting Act to improve the consumer reporting system, and for other purposes.

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To direct the Secretary of Veterans Affairs to require the use of certified mail and plain language in certain debt collection activities.

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To establish student loan borrowers’ rights to basic consumer protections, reasonable and flexible repayment options, access to earned credentials, and effective loan cancellation in exchange for public service, and for other purposes.

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To require Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and for other purposes.

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To amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions, and for other purposes.

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To amend the Employee Retirement Income Security Act of 1974 to adjust single-employer premiums, and for other purposes.

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To amend title 11 of the United States Code to increase the amount of compensation paid to chapter 7 bankruptcy trustees for services rendered.

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To require Fannie Mae and Freddie Mac to engage in credit risk transfer transactions, and for other purposes.

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To amend the Truth in Lending Act to create additional requirements for original and new creditors of mortgage loans in the case of a sale, transfer, or assignment of a mortgage loan, and for other purposes.

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Resolved, That upon adoption of this resolution it shall be in order to consider in the House the joint resolution (H.J. Res. 111) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to “Arbitration Agreements”. All points of order against consideration of the joint resolution are waived. The joint resolution shall be considered as read. All points of order against provisions in the joint resolution are waived. The previous question shall be considered as ordered on the joint resolution and on any amendment thereto to final passage without intervening motion except: (1) one hour of debate equally divided and controlled by the chair and ranking minority member of the Committee on Financial Services; and (2) one motion to recommit.

Description:

To increase from $10,000,000,000 to $50,000,000,000 the threshold figure at which regulated depository institutions are subject to direct examination and reporting requirements of the Bureau of Consumer Financial Protection, and for other purposes.

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To amend the Higher Education Act of 1965 to require contractors to provide certain annual disclosures during a period of loan repayment, and for other purposes.

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To amend the Real Estate Settlement Procedures Act of 1974 to provide protections to borrowers, and for other purposes.

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To amend the Higher Education Act of 1965 to provide for a percentage of student loan forgiveness for public service employment, and for other purposes.

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To amend the Higher Education Act of 1965 to provide for the refinancing of certain Federal student loans.

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To allow certain student loan borrowers to refinance Federal student loans.

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To amend title 10, United States Code, to require additional disclosures by creditors when lending to members of the Armed Forces and their dependents, and for other purposes.

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To establish a grant program in the Bureau of Consumer Financial Protection to fund the establishment of centers of excellence to support research, development and planning, implementation, and evaluation of effective programs in financial literacy education for young people and families ages 8 through 24 years old, and for other purposes.

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To reduce risks to the financial system by limiting banks’ ability to engage in certain risky activities and limiting conflicts of interest, to reinstate certain Glass-Steagall Act protections that were repealed by the Gramm-Leach-Bliley Act, and for other purposes.

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To amend the Employee Retirement Income Security Act of 1974 and the National Labor Relations Act to protect the health benefits of retirees, and for other purposes.

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To amend the Truth in Lending Act to clarify that the points and fees in connection with a mortgage loan do not include certain compensation amounts already taken into account in setting the interest rate on such loan, and for other purposes.

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To improve the financial literacy of students.

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To amend the Internal Revenue Code of 1986 to extend for 2 years the exclusion from gross income of discharges of qualified principal residence indebtedness.

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To amend title 11 of the United States Code to modify the dischargeability of debts for certain educational payments and loans.

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To amend the Higher Education Act of 1965 to provide for the refinancing of certain Federal student loans, and for other purposes.

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To support businesses in Puerto Rico, improve health funding for Puerto Rico, and promote security in Puerto Rico, and for other purposes.

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To amend the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code of 1986 to modify certain provisions relating to multiemployer pensions, and for other purposes.

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To amend title 11 of the United States Code to make student loans dischargeable.

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To protect the investment choices of investors in the United States, and for other purposes.

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To amend the Higher Education Act of 1965 to improve the determination of cohort default rates and provide for enhanced civil penalties, to ensure personal liability of owners, officers, and executives of institutions of higher education, and for other purposes.

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To amend the Internal Revenue Code of 1986 to provide for the proper tax treatment of personal service income earned in pass-thru entities.

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To amend title 28 of the United States Code to authorize the appointment of additional bankruptcy judges; and for other purposes.

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To amend the Truth in Lending Act to provide a safe harbor from certain requirements related to qualified mortgages for residential mortgage loans held on an originating depository institution’s portfolio, and for other purposes.

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To create hope and opportunity for investors, consumers, and entrepreneurs by ending bailouts and Too Big to Fail, holding Washington and Wall Street accountable, eliminating red tape to increase access to capital and credit, and repealing the provisions of the Dodd-Frank Act that make America less prosperous, less stable, and less free, and for other purposes.

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To preserve competition among mortgage lenders, provide relief from unnecessary regulatory requirements on responsible community mortgage lenders, and for other purposes.

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To amend the Fair Debt Collection Practices Act to exclude law firms and licensed attorneys who are engaged in activities related to legal proceedings from the definition of a debt collector, to amend the Consumer Financial Protection Act of 2010 to prevent the Bureau of Consumer Financial Protection from exercising supervisory or enforcement authority with respect to attorneys when undertaking certain actions related to legal proceedings, and for other purposes.
 
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To amend title V of the Omnibus Crime Control and Safe Streets Act of 1968 to prohibit Edward Byrne Memorial Justice Assistance Grants from being made available to a State or unit of local government that has a contract with a person that charges a fee to pay-only probationers, and for other purposes.

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To amend title 11 of the United States Code in order to facilitate the resolution of an insolvent financial institution in bankruptcy.

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To amend securities, commodities, and banking laws to make the information reported to financial regulatory agencies electronically searchable, to enable RegTech applications, and for other purposes.

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To place the Financial Stability Oversight Council and the Office of Financial Research under the regular appropriations process, to provide for certain quarterly reporting and public notice and comment requirements for the Office of Financial Research, and for other purposes.

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

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To establish an American Savings Account Fund and create a retirement savings plan available to all employees, and for other purposes.

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To amend the Higher Education Act of 1965 to authorize institutions of higher education to provide additional loan counseling, and for other purposes. 

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To amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction.

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To increase consumer protection with respect to negative option agreements entered into on the Internet, and for other purposes.

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To eliminate the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010.

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To replace the Director of the Bureau of Consumer Financial Protection with a 5-person commission, and for other purposes.

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To establish the National Full Employment Trust Fund to create employment opportunities for the unemployed.

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To amend the procedures used in Federal court class actions and multidistrict litigation proceedings to assure fairer, more efficient outcomes for claimants and defendants, and for other purposes.

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To amend Rule 11 of the Federal Rules of Civil Procedure to improve attorney accountability, and for other purposes.
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To amend the Internal Revenue Code of 1986 to include student loan repayers as members of targeted groups for purposes of the work opportunity credit and to provide for a credit against tax for student loan program startup costs.

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To amend the Federal Reserve Act to reform the Federal Reserve System.

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To amend the Securities Exchange Act of 1934 to prohibit mandatory pre-dispute arbitration agreements, and for other purposes.

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To reauthorize the Commodity Futures Trading Commission, to better protect futures customers, to provide end-users with market certainty, to make basic reforms to ensure transparency and accountability at the Commission, to help farmers, ranchers, and end-users manage risks, to help keep consumer costs low, and for other purposes.

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To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to require certain systemically important entities to account for the financial benefit they receive as a result of the expectations on the part of shareholders, creditors, and counterparties of such entities that the Government will shield them from losses in the event of failure, and for other purposes.

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To amend the Internal Revenue Code of 1986 to allow qualified scholarship funding corporations to access tax-exempt financing for alternative private student loans.

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To establish an advisory office within the Bureau of Consumer Protection of the Federal Trade Commission to prevent fraud targeting seniors, and for other purposes.

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To amend the Fair Credit Reporting Act to require the inclusion of credit scores with free annual credit reports provided to consumers, and for other purposes.

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To provide for a 2-year delay in the effective date of a rule of the Department of Labor relating to the "Definition of the Term 'Fiduciary'; Conflict of Interest Rule-Retirement Investment Advice".

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To repeal the Patient Protection and Affordable Care Act and related reconciliation provisions, to promote patient-centered health care, to provide for the creation of a safe harbor for defendants in medical malpractice actions who demonstrate adherence to clinical practice guidelines, and for other purposes. Sec. 230 provides for equivalent bankruptcy protections for health savings accounts as retirement
funds. 
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To reform the process by which Federal agencies analyze and formulate new regulations and guidance documents, to clarify the nature of judicial review of agency interpretations, to ensure complete analysis of potential impacts on small entities of rules, and for other purposes.

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To improve the consideration by the Securities and Exchange Commission of the costs and benefits of its regulations and orders.

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To amend the Internal Revenue Code of 1986 allow a credit for employers providing student loan payment assistance for employees.

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

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To amend title 28 of the United States Code to authorize the appointment of additional bankruptcy judges; and for other purposes.

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To amend title 11 of the United States Code to stop abusive student loan collection practices in bankruptcy cases.

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To amend the Internal Revenue Code of 1986 to modify rules relating to health savings accounts. Section 5 provides for equivalent bankruptcy protections for health savings accounts as retirement funds.

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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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To amend chapter 9 of title 11 of the United States Code to improve protections for employees and retirees in municipal bankruptcies.

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To amend title 11 of the United States Code to dispense with the requirement of providing assurance of payment for utility services under certain circumstances.

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To amend the National Labor Relations Act to require the arbitration of initial contract negotiation disputes, and for other purposes.

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To amend the Internal Revenue Code of 1986 to provide for economic recovery in the Virgin Islands and Guam, and for other purposes

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To amend the Internal Revenue Code of 1986 to provide for economic recovery in the territories.

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To amend the Higher Education Act of 1965 to provide loan deferment and loan cancellation for founders and employees of small business start-ups, and for other purposes.

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To reauthorize the Office of Special Counsel, to amend title 5, United States Code, to provide modifications to authorities relating to the Office of Special Counsel, and for other purposes.