Join Today and Benefit Daily from ABI's 35+ Years of Insolvency Expertise.
Join Today!
Help Center

Current Legislation

Senate - Introduced Bills

Description:

A bill to appropriately limit forgiveness of loans under the paycheck protection program and to clarify that records in the possession, custody, or control of the Federal Government relating to borrowers and loans under the paycheck protection program are subject to disclosure in accordance with applicable law.

Description:

A bill to amend title 11, United States Code, to change the treatment of certain rental obligations during bankruptcy.

Description:

A bill to require reporting on the paycheck protection program of the Small Business Administration, and for other purposes.

Description:

A bill to amend subtitle A of title II of division A of the CARES Act to provide Pandemic Unemployment Assistance to individuals with mixed income sources, and for other purposes.

Description:

A bill to automatically extend and adjust enhanced unemployment assistance for the duration of the COVID-19 emergency and economic crisis, and for other purposes.

Description:

A bill to provide immediate relief for patients from certain medical debt collection efforts during and immediately after the COVID-19 public health emergency.

Description:

Making emergency supplemental appropriations for the fiscal year ending September 30, 2020, and for other purposes.

Description:

To provide assistance to American workers, families, and employers during the COVID–19 pandemic.

Description:

To lessen the burdens on interstate commerce by discouraging insubstantial lawsuits relating to COVID–19 while preserving the ability of individuals and businesses that have suffered real injury to obtain complete relief.

Description:

To establish the Paycheck Protection Program Second Draw Loan and amend the 7(a) loan guaranty program for recovery sector business concerns, and for other purposes.

Description:

A bill to amend the Consumer Financial Protection Act of 2010 to clarify the authority of the Bureau of Consumer Financial Protection with respect to persons regulated by a State insurance regulator, and for other purposes.

Description:

A bill to direct the Administrator of the Small Business Administration to establish or certify a calculator to assist lenders and recipients with paycheck protection program loan forgiveness, and for other purposes.

Description:

To amend title IX of the Social Security Act to improve emergency unemployment relief for governmental entities and nonprofit organizations.

Description:

A bill to refinance Federal and private student loans, and for other purposes.

Description:

A bill to extend the paycheck protection program and to provide supplemental loans to recipients of loans under the paycheck protection program, and for other purposes.

Description:

To provide automatic forgiveness for paycheck protection program loans under $150,000, and for other purposes.

Description:

To expand the payment of principal, interest, and fees for certain disaster loans under the CARES Act, and for other purposes.

Description:

A bill to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans under section 7(a) of the Small Business Act until August 8, and for other purposes.

Description:

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

Description:

To amend the Fair Credit Reporting Act to protect the credit of patients with substantial medical bills.

Description:

A bill to provide for supplemental loans under the Paycheck Protection Program.

Description:

A bill to prohibit certain transactions during the coronavirus disease 2019 (COVID-19) pandemic.

Description:

A bill to establish a $120,000,000,000 Restaurant Revitalization Fund to provide structured relief to food service or drinking establishments through December 31, 2020, and for other purposes.

Description:

A bill to amend the Servicemembers Civil Relief Act to extend the interest rate limitation on debt entered into during military service to debt incurred during military service to consolidate or refinance student loans incurred before military service.

Description:

A bill to amend the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes.

Description:

A bill to amend the Consumer Financial Protection Act of 2010 to provide for whistleblower incentives and protection.

Description:

A bill to require States to make distributions from the State's Coronavirus Relief Fund payment to local governments that did not receive a direct payment from the Fund.

Description:

A bill to exempt certain businesses from liability arising from claims relating to an individual contracting COVID-19 as a result of patronizing a business or healthcare entity

Description:

A bill to extend the covered period for the paycheck protection program, and for other purposes.

Description:

A bill to cap the benefits received under the Federal Pandemic Unemployment Compensation program at prior wages.

Description:

A bill to ensure ethical and accountable use of COVID-19 relief funds, to prevent corruption and bias in the disbursement and supervision of those funds, and for other purposes.

Description:

A bill to extend the covered period for loan forgiveness and the rehiring period under the CARES Act, and for other purposes.

Description:

To require the Administrator of the Small Business Administration to report on COVID–19 recovery small business programs, and for other purposes.

Description:

A bill to provide loan forgiveness for certain borrowers of Department of Agriculture direct farm loans, and for other purposes.

Description:

A bill to amend the CARES Act to provide flexibility in use of funds by States, Indian Tribes, and municipalities.

Description:

To make technical corrections to the CARES Act to remove all tax liability associated with loan forgiveness under the Paycheck Protection Program.

Description:
A bill to place a moratorium on evictions during the coronavirus emergency.
 
Description:
A bill to amend the Fair Debt Collection Practices Act to provide additional protections for consumers and small business owners from debt collection during a major disaster or emergency.
 
Description:

To amend the Internal Revenue Code of 1986 to restrict the tax benefits of executive deferred compensation and increase disclosure, and for other purposes.

Description:
To increase students' and borrowers' access to student loan information within the National Student Loan Data System.
 
Description:

A bill to provide for the conversion of temporary judgeships to permanent judgeships, and for other purposes.

Description:
To amend the Higher Education Act of 1965 to permit a Federal student loan borrower to elect to terminate repayment pursuant to income-based repayment and repay such loan under any other repayment plan for which the borrower is otherwise eligible.
 
Description:

To amend the Truth in Lending Act to prohibit the distribution of any check or other negotiable instrument as part of a solicitation by a creditor for an extension of credit, to limit the liability of consumers in conjunction with such solicitations, and for other purposes.

Description:

To address the financial exploitation of veterans receiving pension from the Department of Veterans Affairs, and for other purposes.

Description:

To amend the Worker Adjustment and Retraining Notification Act to support workers who are subject to an employment loss, and for other purposes.

Description:

To apply the Fair Debt Collection Practices Act to small business debt to the same extent as such Act applies to consumers, and for other purposes.

Description:

To apply the provisions relating to consumer liability for unauthorized transfers to small business concerns, and for other purposes.

Description:

To amend the Truth in Lending Act to extend the consumer credit protections provided to members of the Armed Forces and their dependents under title 10, United States Code, to all consumers.

Description:

A bill to amend the Surface Mining Control and Reclamation Act of 1977 to transfer certain funds to the 1974 United Mine Workers of America Pension Plan, and for other purposes.

 

Description:

To provide protections for pensions in bankruptcy proceedings, and for other purposes.

Description:

To amend the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors.

Description:

To amend title 9, United States Code, to prohibit predispute arbitration agreements that force arbitration of certain disputes arising from claims of servicemembers and veterans.

Description:

To amend the Internal Revenue Code of 1986 to exclude employer contributions to student loan repayment from income, and for other purposes.

Description:

To establish additional protections and disclosures for students and cosigners with respect to student loans, and for other purposes.

Description:

To make necessary reforms to improve compliance with loss mitigation requirements by servicers of mortgages for single family housing insured by the FHA, and for other purposes.

Description:

To discharge the qualified loan amounts of each individual, and for other purposes.

Description:

To amend the Truth in Lending Act and the Higher Education Act of 1965 to require certain creditors to obtain certifications from institutions of higher education, and for other purposes.

Description:

To establish a student loan forgiveness plan for certain borrowers who are employed at a qualified farm or ranch.

Description:

To amend title XI of the Social Security Act to expand the use of global payments to hospitals in rural areas.

Description:

To require the Securities and Exchange Commission to issue rules requiring private funds to publicly disclose certain information, and for other purposes.

Description:
A bill to amend the Truth in Lending Act to prohibit certain unfair credit practices, and for other purposes.
Description:
A bill to amend the Higher Education Act of 1965 to ensure college for all.
Description:

To amend title 28, United States Code, to provide for the appointment of additional Federal circuit judges, to divide the Ninth Judicial Circuit of the United States into two judicial circuits, and for other purposes.

Description:

To clarify seasoning requirements for certain refinanced mortgage loans, and for other purposes.

Description:
A bill to amend the Higher Education Act of 1965 to eliminate origination fees on Federal Direct loans.
Description:
A bill to impose requirements on the payment of compensation to professional persons employed in voluntary cases commenced under title III of PROMESA.
Description:

To amend the Internal Revenue Code of 1986 to exclude from gross income interest received on certain loans secured by agricultural real property.

Description:

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

Description:

A bill to amend the Fair Credit Reporting Act to institute a 1-year waiting period before medical debt will be reported on a consumer's credit report and to remove paid-off and settled medical debts from credit reports that have been fully paid or settled, to amend the Fair Debt Collection Practices Act to provide a timetable for verification of medical debt and to increase the efficiency of credit markets with more perfect information, and for other purposes.

Description:
A bill to prohibit forced arbitration in work disputes, and for other purposes.
Description:
A bill to amend title 11, United States Code, to include certain pension as administrative expenses in bankruptcy, and for other purposes.
Description:
A bill to provide bankruptcy relief for student borrowers.
Description:

To require certain protections for student loan borrowers, and for other purposes.

Description:

To eliminate the Bureau of Consumer Financial Protection.

Description:

To provide the option of discharging certain unsecured financial obligations of self-governing territories of the United States.

Description:
To amend the Higher Education Act of 1965 to provide for Federal student loan reform.
Description:

To amend the Employee Retirement Income Security Act of 1974 to protect patients from surprise medical bills.

Description:

To exclude the discharge of certain Federal student loans from the calculation of gross income.

Description:

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

Description:

To amend the Equal Credit Opportunity Act to require creditors to request demographic information from applicants for certain types of credit in order to prevent discriminatory lending practices with respect to those applicants, and for other purposes.

Description:

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

Description:

To amend title 18, United States Code, to establish criminal liability for negligent executive officers of major corporations, and for other purposes.

Description:

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.

Description:

To amend the Higher Education Act of 1965 in order to increase usage of the Federal student loan income-based repayment plan and improve repayment options for borrowers, and for other purposes.

Description:
To provide for institutional risk-sharing in the Federal student loan programs.
Description:

A bill to amend title 11, United States Code, with respect to the definition of "family farmer."

Description:
A bill to amend the Higher Education Act of 1965 to make technical improvements to the Net Price Calculator system so that prospective students may have a more accurate understanding of the true cost of college.
Description:

A bill to revise counseling requirements for certain borrowers of student loans, and for other purposes.

Description:

To protect students of institutions of higher education and the taxpayer investment in institutions of higher education by improving oversight and accountability of institutions of higher education, particularly for-profit colleges, improving protections for students and borrowers, and ensuring the integrity of postsecondary education programs, and for other purposes.

Description:

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

Description:

A bill 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.

Description:

A bill to increase the number of judgeships for the United States Court of Appeals for the Ninth Circuit and certain district courts of the United States, and for other purposes.

Description:

A bill to require the student loan ombudsman of the Department of Education to provide student loan data to the Bureau of Consumer Financial Protection, and for other purposes.

Description:
Under current bankruptcy law, disability benefits paid by the Department of Veterans Affairs and the Department of Defense are included in the calculation of a debtor’s disposable income, which increases the portion of the debtor’s income that is subject to the reach of creditors. By contrast, current bankruptcy law explicitly exempts Social Security disability benefits from this disposable income calculation.
 
To eliminate this unequal treatment of disability benefits, the HAVEN Act would exclude VA and DoD disability payments made to veterans or their dependent survivors from the monthly income calculation used for bankruptcy means testing.
Description:

A bill to amend the Consumer Financial Protection Act of 2010 with respect to arbitration.

 

Description:

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

Description:

A bill to amend the Financial Stability Act of 2010 to require the Financial Stability Oversight Council to consider alternative approaches before determining that a U.S. nonbank financial company shall be supervised by the Board of Governors of the Federal Reserve System, and for other purposes.

Description:

To amend the Securities Exchange Act of 1934 to promote transparency in the oversight of cybersecurity risks at publicly traded companies.

Description:

A bill to amend title 28, United States Code, to increase transparency and oversight of third-party litigation funding in certain actions, and for other purposes.

Description:
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.
 
Description:
A bill to amend the Home Mortgage Disclosure Act of 1975 to modify the exemptions from certain disclosure requirements.
Description:

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

Description:

To authorize additional district court judgeships for the northern, middle, and southern districts of Florida.

House - Introduced Bills

Description:

To amend the CARES Act to improve the temporary relief from troubled debt restructurings, and for other purposes.

Description:

To apply the Truth in Lending Act to small business financing, to regulate brokers and require the licensing of brokers, and for other purposes.

Description:

To amend the Fair Debt Collection Practices Act to restrict collections of consumer debt during a national disaster or emergency, and for other purposes.

Description:

To amend the Consumer Financial Protection Act of 2010 to provide for whistleblower incentives and protection.

Description:

To establish the Small Business Economic Assistance Program.

Description:

To authorize Federal reserve banks to purchase COVID-19 related municipal issuances, and for other purposes.

Description:

To establish a loan program for businesses affected by COVID-19, and for other purposes.

Description:

To refinance Federal and private student loans, and for other purposes.

Description:

To require the Administrator of the Small Business Administration to establish the interest rate for economic injury disaster loans, and for other purposes.

Description:

To provide a temporary moratorium on eviction filings, 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 XVIII of the Social Security Act to provide for forgiveness of certain accelerated and advance payments under parts A and B of the Medicare program.

Description:

To amend title 11 of the United States Code to prohibit the payment of bonuses to highly compensated individuals employed by the debtor and insiders of the debtor to perform services during the bankruptcy case, and for other purposes.

Description:

To provide for supplemental loans under the Paycheck Protection Program.

Description:

To establish the Infrastructure Bank for America as a corporation to serve as a lender for and investor in infrastructure projects, and for other purposes.

Description:

To increase the eligibility of nonprofit organizations for loans under the Paycheck Protection Program, and for other purposes.

Description:

To establish a $120,000,000,000 Restaurant Revitalization Fund to provide structured relief to food service or drinking establishments through December 31, 2020, and for other purposes.

Description:

To extend and clarify relief to Federal student loan borrowers, and for other purposes.

Description:
To ensure ethical and accountable use of COVID-19 relief funds, to prevent corruption and bias in the disbursement and supervision of those funds, and for other purposes.
 
Description:
To amend the Small Business Act and the CARES Act to modify certain provisions related to the forgiveness of loans under the paycheck protection program, to allow recipients of loan forgiveness under the paycheck protection program to defer payroll taxes, and for other purposes.
Description:

To amend the CARES Act and the Small Business Act to make certain adjustments to the paycheck protection program, and for other purposes.

Description:

To amend the CARES Act to add requirements for the Main Street Lending Program related to non-profit organizations, small businesses, minority depository institutions, and community development financial institutions, and for other purposes.

Description:

To amend the Small Business Act and the CARES Act to modify certain provisions related to the forgiveness of loans under the paycheck protection program, to allow recipients of loan forgiveness under the paycheck protection program to defer payroll taxes, and for other purposes.

Description:

To protect stimulus checks from garnishment and fees and from being used as an offset by a credit union or depository institution, and for other purposes.

Description:
Making emergency supplemental appropriations for the fiscal year ending September 30, 2020, and for other purposes.
For a full bill summary, please click here.
 
Description:

To provide expanded unemployment protection for employees and a limitation on liability for employers with respect to exposure to COVID-19.

Description:

To require residential mortgage servicers receiving certain emergency relief under the CARES Act to provide reports on loan-level data, and for other purposes.

Description:

To amend the Coronavirus Economic Stabilization Act of 2020 to place certain requirements on corporations receiving Federal aid related to COVID-19.

Description:

To establish a payroll loan facility for small financial institutions affected by COVID-19, and for other purposes.

Description:

To amend the CARES Act to provide for notice of the eviction moratorium under such Act to be provided to tenants of dwelling units subject to such moratorium, and for other purposes.

Description:
To prohibit confessions of judgment in connection with the extension of covered credit or creation of covered debt, and for other purposes.
 
Description:
To prohibit the enforcement of certain loan covenants during the COVID-19 national emergency, and for other purposes.
Description:
To establish requirements for funds appropriated to carry out the paycheck protection program, to require reporting on the use of such funds, and for other purposes.
 
Description:

To amend the Small Business Act to revise requirements under the paycheck protection program, and for other purposes.

Description:
To amend the Small Business Act to include certain small business concerns in the paycheck protection program, and for other purposes.
 
Description:
To amend the CARES Act to provide forbearance and foreclosure moratoriums for all mortgage loans, and for other purposes.
 
Bill text forthcoming.
Description:
To establish the Consumer and Investor Fraud Working Group to help protect consumers and investors from fraud during the COVID-19 pandemic, to assist consumers and investors affected by such fraud, and for other purposes.
Description:
To establish a Homeowner Assistance Fund to provide funds to State housing finance agencies for the purpose of preventing homeowner mortgage defaults, foreclosures, and displacements of individuals and families experiencing financial hardship, and for other purposes.
 
Description:

To amend the Small Business Act to expand the Paycheck Protection Program for certain organizations, and for other purposes.

Description:

To provide loan forgiveness for certain borrowers of Department of Agriculture direct farm loans, and for other purposes.

Description:

To authorize video teleconferencing and telephone conferencing of proceedings during the COVID–19 emergency period, and for other purposes.

Description:

To amend the CARES Act to provide for repayment terms for mortgages in forbearance, and for other purposes.

Description:

To extend zero interest rate benefits and payment suspension to certain Federal student loan borrowers, and for other purposes.

Description:

To provide for an enhanced Coronavirus relief fund, and for other purposes.

Description:

To prohibit depository institutions from assessing overdraft and nonsufficient fund fees during the novel coronavirus crisis and other disasters, and for other purposes.

Description:

To suspend obligations of residential renters and mortgagors to make payments during the COVID-19 emergency, and for other purposes.

Description:

To make available insurance coverage for business interruption losses due to national emergencies, and for other purposes.

Description:
To forgive certain disaster loans, and for other purposes.
 
Bill text forthcoming.
Description:
To amend the Fair Credit Reporting Act to prohibit debt from medically necessary procedures related to COVID-19 from being included on credit reports, and for other purposes.
 
Bill text forthcoming.
Description:

To provide for a temporary debt collection moratorium during the COVID-19 emergency period, and for other purposes.

Description:

Signed into law on March 27.

Description:
To amend the Fair Credit Reporting Act to prohibit consumer reporting agencies from including any adverse item of information on the consumer report of an individual with respect to debt related to a COVID-19 related illness, and for other purposes.
 
Description:
To amend the Higher Education Act of 1965 to provide for the refinancing of certain Federal student loans, and for other purposes.
 
Description:
To provide financial protections and assistance for America's consumers, States, businesses, and vulnerable populations during the COVID-19 emergency and to recover from the emergency.
 
Bill text forthcoming.
Description:
To provide relief for Federal and private student loan borrowers during the COVID-19 pandemic, and for other purposes.
 
Description:
To amend the Fair Credit Reporting Act to provide for disaster protection for workers' credit.
 
Description:

To amend the Higher Education Act of 1965 to halt collection of certain student loans, and for other purposes.

Description:
To provide loan and obligation payment relief for small businesses and non-profits affected by the COVID-19 emergency, and for other purposes.
 
Description:
To modify the economic injury disaster loan of the Small Business Administration in response to COVID-19, and for other purposes.
 
Description:
To suspend payments on certain consumer loans during the COVID-19 emergency, and for other purposes.
 
Bill text forthcoming.
Description:

To provide relief from COVID–19 for small business concerns, and for other purposes.

Description:
This bill responds to the coronavirus outbreak by providing paid sick leave and free coronavirus testing, expanding food assistance and unemployment benefits, and requiring employers to provide additional protections for health care workers.
 
Specifically, the bill provides FY2020 supplemental appropriations to the Department of Agriculture (USDA) for nutrition and food assistance programs, including
 
the Special Supplemental Nutrition Program for Women, Infants, and Children (WIC);
the Emergency Food Assistance Program (TEFAP); and
nutrition assistance grants for U.S. territories.
The bill also provides FY2020 appropriations to the Department of Health and Human Services for nutrition programs that assist the elderly.
 
The supplemental appropriations provided by the bill are designated as emergency spending, which is exempt from discretionary spending limits.
 
The bill modifies USDA food assistance and nutrition programs to
 
  • allow certain waivers to requirements for the school meal programs,
  • suspend the work requirements for the Supplemental Nutrition Assistance Program (SNAP, formerly known as the food stamp program), and
  • allow states to request waivers to provide certain emergency SNAP benefits.
In addition, the bill requires the Occupational Safety and Health Administration to issue an emergency temporary standard that requires certain employers to develop and implement a comprehensive infectious disease exposure control plan to protect health care workers.
 
The bill also includes provisions that
 
  • establish a federal emergency paid leave benefits program to provide payments to employees taking unpaid leave due to the coronavirus outbreak,
  • expand unemployment benefits and provide grants to states for processing and paying claims,
  • require employers to provide paid sick leave to employees,
  • establish requirements for providing coronavirus diagnostic testing at no cost to consumers,
  • treat personal respiratory protective devices as covered countermeasures that are eligible for certain liability protections, and
  • temporarily increase the Medicaid federal medical assistance percentage (FMAP).
Description:

To amend the Small Business Act to optimize the operations of the microloan program, lower costs for small business concerns and intermediary participants in the program, and for other purposes.

Description:

To amend the Small Business Act to increase transparency and to enhance the use of microloans in rural areas, and for other purposes.

Description:
This bill provides $8.3 billion in emergency funding for federal agencies to respond to the coronavirus outbreak.
 
DIVISION A--CORONAVIRUS PREPAREDNESS AND RESPONSE SUPPLEMENTAL APPROPRIATIONS ACT, 2020
 
Coronavirus Preparedness and Response Supplemental Appropriations Act, 2020
 
This division provides FY2020 supplemental appropriations for the Department of Health and Human Services (HHS), the State Department, and the Small Business Administration to respond to the coronavirus outbreak.
 
The division funds programs that address issues such as
 
  • developing, manufacturing, and procuring vaccines and other medical supplies;
  • grants for state, local, and tribal public health agencies and organizations;
  • loans for affected small businesses;
  • evacuations and emergency preparedness activities at U.S. embassies and other State Department facilities; and
  • humanitarian assistance and support for health systems in the affected countries.
The supplemental appropriations are designated as emergency spending, which is exempt from discretionary spending limits.
 
TITLE I--DEPARTMENT OF HEALTH AND HUMAN SERVICES
 
This title provides appropriations to the Food and Drug Administration for Salaries and Expenses.
 
TITLE II--SMALL BUSINESS ADMINISTRATION
 
This title provides appropriations to the Small Business Administration for the Disaster Loans Program Account.
 
TITLE III--DEPARTMENT OF HEALTH AND HUMAN SERVICES
 
This title provides appropriations to HHS for
 
  • the Centers for Disease Control and Prevention,
  • the National Institutes of Health, and
  • the Public Health and Social Services Emergency Fund.
(Sec. 301) This section sets forth authorities and requirements for using funds provided by this title to reimburse HHS agencies, states, localities, territories, tribes, tribal organizations, and health service providers to tribes for costs incurred for coronavirus preparedness and response activities prior to the enactment of this bill.
 
(Sec. 302) If public notice is given and HHS determines that a public health threat exists, HHS may use funds provided by this title to hire candidates for positions to perform critical work relating to the coronavirus, without regard to certain hiring procedures that apply under current law.
 
(Sec. 303) Funds provided by this title may be used to enter into contracts with individuals for personal services to support the prevention of, preparation for, or response to the coronavirus, subject to congressional notification requirements.
 
(Sec. 304) This section sets forth authorities and restrictions that apply to transferring funds provided by this title.
 
(Sec. 305) This section requires HHS to submit to Congress a detailed spending plan for funds provided by this division.
 
(Sec. 306) This section requires specified funds provided by this title for the Public Health and Social Services Emergency Fund to be transferred to the HHS Office of Inspector General for oversight of activities supported with funds appropriated to HHS in titles I and III of this division.
 
TITLE IV--DEPARTMENT OF STATE
 
This title provides appropriations to (1) the Department of State for the Administration of Foreign Affairs, and (2) the U.S. Agency for International Development for the Office of Inspector General.
 
The title also provides appropriations for Bilateral Economic Assistance, including
 
  • Global Health Programs,
  • International Disaster Assistance, and
  • the Economic Support Fund.
(Sec. 401) This section specifies the congressional notification requirements that apply to funds provided by this title.
 
(Sec. 402) This section sets forth authorities and restrictions that apply to transferring funds provided by this title.
 
(Sec. 403) This section allows the State Department to transfer additional funds for activities such as emergency evacuations.
 
(Sec. 404) This section allows specified funds provided by this title be made available as contributions to international organizations to prevent, prepare for, and respond to the coronavirus, following consultation with Congress.
 
(Sec. 405) This section allows specified funds provided by this title to be used to reimburse State Department and USAID accounts for obligations incurred to prevent, prepare for, and respond to the coronavirus prior to the enactment of this bill.
 
(Sec. 406) This section requires the State Department and USAID to submit to Congress (1) a strategy to prevent, prepare for, and respond to coronavirus abroad; and (2) a report on the proposed uses of funds appropriated by this title on a country and project basis.
 
TITLE V--GENERAL PROVISIONS--THIS ACT
 
(Sec. 501) This section specifies that the funds provided by this bill are in addition to funds otherwise appropriated for the fiscal year involved.
 
(Sec. 502) Funds provided by this division may not remain available beyond the current fiscal year, unless this division provides otherwise.
 
(Sec. 503) Unless otherwise specified by this division, the funds provided by this division are subject to the authorities and conditions that apply to the applicable appropriations account for FY2020.
 
(Sec. 504) This section specifies that certain funds provided or transferred by this division may only be used to prevent, prepare for, and respond to the coronavirus.
 
(Sec. 505) The Government Accountability Office must consult with the congressional appropriations committees regarding oversight of activities supported with funds provided by this division.
 
(Sec. 506) For the purposes of this bill, the term coronavirus means SARS-CoV-2 or another coronavirus with pandemic potential.
 
(Sec. 507) This section provides that amounts designated by this bill as emergency requirements are only available (or rescinded, if applicable) if the President subsequently designates the amounts and transmits the designations to Congress.
 
(Sec. 508) This section specifies that the emergency funds that are transferred pursuant to this division retain the emergency designation.
 
DIVISION B--TELEHEALTH SERVICES DURING CERTAIN EMERGENCY PERIODS
 
Telehealth Services During Certain Emergency Periods Act of 2020
 
(Sec. 102) This section allow HHS to temporarily waive certain Medicare restrictions and requirements regarding telehealth services during the coronavirus public health emergency.
 
(Sec. 103) This section exempts the budgetary effects of this division from (1) the Statutory Pay-As-You-Go (PAYGO) Act of 2010, (2) the Senate PAYGO rule, and (3) certain budget scorekeeping rules.
Description:

To amend the Small Business Act to ensure small businesses affected by the onset of communicable diseases are eligible for disaster relief.

Bill text forthcoming.

Description:

To amend the Fair Debt Collection Practices Act to safeguard access to information for consumers and to stop abusive debt litigation, and for other purposes.

Description:

To amend title XXVII of the Public Health Service Act, the Employee Retirement Income Security Act of 1974, the Internal Revenue Code of 1986, and title XI of the Social Security Act to prevent certain cases of out-of-network surprise medical bills, strengthen health care consumer protections, and improve health care information transparency, and for other purposes.

Description:

To amend the Fair Credit Reporting Act to provide protections for extended active duty uniformed consumers, and for other purposes.

Description:

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

Description:

To amend the Higher Education Act of 1965 to include court-ordered receivership in the list of actions resulting in a change of ownership of institutions of higher education.

Description:

To amend the Fair Credit Reporting Act to ensure that consumer reporting agencies are providing fair and accurate information reporting in consumer reports, and for other purposes.

Description:

To amend the Fair Debt Collection Practices Act to provide a timetable for verification of medical debt and to increase the efficiency of credit markets with more perfect information, to prohibit consumer reporting agencies from issuing consumer reports containing information about debts related to medically necessary procedure, about and for other purposes.

Description:

To amend the Truth in Lending Act to establish a postsecondary education loan borrower bill of rights and to require certain creditors to obtain private loan certifications from institutions of higher education, to amend the Fair Credit Reporting Act to require the Bureau of Consumer Financial Protection to issue rules to establish standards for reporting information related to student loans to consumer reporting agencies, and for other purposes.

Description:

To amend the Fair Debt Collection Practices Act to 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, and for other purposes.

Description:

To amend the Truth in Lending Act to extend the consumer credit protections provided to members of the Armed Forces and their dependents under title 10, United States Code, to all consumers.

Description:

To amend the Fair Debt Collection Practices Act to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes.

Description:

To amend the Fair Debt Collection Practices Act to provide enhanced protection against debt collector harassment of members of the Armed Forces, and for other purposes.

Description:

To amend the Fair Debt Collection Practices Act to clarify that the definition of a debt collector includes, in all cases, a person in a business the principal purpose of which is the enforcement of security interests.

Description:

To amend the Consumer Financial Protection Act of 2010 and the Fair Debt Collection Practices Act to improve consumer protections relating to debt collection practices, and for other purposes.

Description:

To apply the Fair Debt Collection Practices Act to small businesses to the same extent as such Act applies to consumers, to require the Director of the Bureau of Consumer Financial Protection to define “small business” for purposes of such Act, and for other purposes.

Description:

To amend the Higher Education Act of 1965 to remove all adverse credit history related to a loan from the credit history of a borrower who has rehabilitated the loan.

Description:

To provide temporary authority to the Secretary of Education to reissue certain student loans to reduce interest rates paid by borrowers, and for other purposes.

Description:

To amend and strengthen the Higher Education Act of 1965 to lower the cost of college for students and families, to hold colleges accountable for students’ success, and to give a new generation of students the opportunity to graduate on-time and transition to a successful career.

Description:

To amend the Higher Education Act of 1965 to establish an income-based repayment for new loans on and after July 1, 2021, and for borrowers who enter income-based repayment after June 30, 2021, and for other purposes.

Description:
To amend the Higher Education Act of 1965 to establish the Office of the Borrower Advocate.
Description:

To amend the Higher Education Act of 1965 to provide for Federal student loan reform.

Description:

To improve service to students and other participants in the Federal student financial assistance programs, to establish the Office of the Borrower Advocate to replace the Student Loan Ombudsman, and for other purposes.

Description:

To amend the Higher Education Act of 1965 to terminate capitalization of interest after forbearance and certain deferment periods.

Description:

To provide for the discharge of a private education loan in the case of death or total and permanent disability of a student obligor, and for other purposes.

Description:

To amend the Truth in Lending Act to prohibit predispute arbitration agreements that force arbitration of disputes arising from private education loans, and for other purposes.

Description:

To authorize an additional district judge for the district of Puerto Rico and to convert to permanent status the temporary office of bankruptcy judge for the district of Puerto Rico.

Description:

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

Description:

To amend the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors.

Description:

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

Description:

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.

Description:

To amend the Commodity Exchange Act to eliminate the double-sided confirmation requirement for swap data repositories.

Description:

To amend the Securities Exchange Act of 1934 to require issuers to disclose information on pay raises made to executives and non-executive employees, and for other purposes.

Description:

To require the Federal banking agencies to increase the risk-sensitivity of the capital treatment of certain centrally cleared exchange-listed derivatives, and for other purposes.

Description:

To improve Federal student loan disclosures, and for other purposes.

Description:

To amend the Internal Revenue Code of 1986 to allow distributions from qualified cash or deferred arrangements in the event that the employer files for chapter 11 bankruptcy and the employee is not regularly scheduled for work or paid.

Description:

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.

Description:

To make necessary reforms to improve compliance with loss mitigation requirements by servicers of mortgages for single family housing insured by the FHA and to prevent foreclosures on FHA borrowers, and for other purposes.

Description:

To amend the Consumer Financial Protection Act of 2010 to direct the Office of Community Affairs to identify causes leading to, and solutions for, under-banked, un-banked, and underserved consumers, and for other purposes.

Description:

To amend the Consumer Financial Protection Act of 2010 to direct the Office of Community Affairs to identify causes leading to, and solutions for, under-banked, un-banked, and underserved consumers, and for other purposes.

Description:

To require certain Federal financial regulators to carry out an independent study of their regulated entities’ processes for allowing third parties to access consumer-authorized financial data.

Description:

To amend the Fair Debt Collection Practices Act to extend the provisions of that Act to cover a debt collector who is collecting debt owed to a State or local government, to index award amounts under such Act for inflation, to provide for civil injunctive relief for violations of such Act, and for other purposes.

Description:

To discharge the qualified loan amounts of each individual, and for other purposes.

Description:
To amend the Bank Holding Company Act of 1956 to defer part of the compensation of senior employees of large bank holding companies (and their subsidiaries) for 10 years, to use such deferred amounts to pay any civil or criminal fines that may be levied on the bank holding company (or subsidiary), and for other purposes.
Description:

To require the Securities and Exchange Commission to issue rules requiring private funds to publicly disclose certain information, and for other purposes.

Description:

To amend the Fair Credit Reporting Act to make improvements to the regulation of consumer reporting agencies and protect consumers, and for other purposes.

Description:

To amend title 9 of the United States Code to prohibit predispute arbitration agreements that force arbitration of disputes arising from private education loans, and for other purposes.

Description:

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

Description:

To amend the Higher Education Act of 1965 to 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.

 

Description:

To amend the Fair Credit Reporting Act to fix the consumer report dispute process, to ban misleading and unfair consumer reporting practices, and for other purposes.

Description:

To amend the Fair Credit Reporting Act to establish clear Federal oversight of the development of credit scoring models by the Bureau of Consumer Financial Protection, and for other purposes.

Description:

To establish a whistleblower program at the Public Company Accounting Oversight Board (PCAOB), and for other purposes.

Description:

To amend the Fair Credit Reporting act to restore the impaired credit of victims of predatory activities and unfair consumer reporting practices, to expand access to tools to protect vulnerable consumers from identity theft, fraud, or a related crime, and protect victims from further harm, and for other purposes.

Description:

To amend the Fair Credit Reporting Act to remove adverse information for certain defaulted or delinquent private education loan borrowers who demonstrate a history of loan repayment, and for other purposes.

Description:
To amend the Financial Stability Act of 2010 to require the Financial Stability Oversight Council to consider alternative approaches before determining that a U.S. nonbank financial company shall be supervised by the Board of Governors of the Federal Reserve System, and for other purposes.
Description:
To amend the Consumer Financial Protection Act of 2010 to establish the position of the Assistant Director and Student Loan Borrower Advocate of the Bureau of Consumer Financial Protection, to establish the Office for Students and Young Consumers of the Bureau, and for other purposes.
Description:
To amend the Truth in Lending Act to prohibit certain unfair credit practices, and for other purposes.
 
Description:
To amend the Higher Education Act of 1965 to ensure college for all.
Description:
To forgive outstanding Federal and private student loans.
Description:

To amend the Higher Education Act of 1965 to reinstate the authority of the Secretary of Education to make Federal Direct Stafford Loans to graduate and professional students.

Description:

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

To view the House Judicicary Committee report submitted with H.R. 3311 referencing ABI's support for the legislation, please click here.

Description:

To increase purchasing power, strengthen economic recovery, and restore fairness in financing higher education in the United States through student loan forgiveness, caps on interest rates on Federal student loans, and refinancing opportunities for private borrowers, and for other purposes.

Description:

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

Description:

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.

Description:

To exempt from the calculation of monthly income certain benefits paid by the Department of Veterans Affairs and the Department of Defense.

To view the House Judicicary Committee report submitted with H.R. 2938 referencing ABI's support for the legislation, please click here.

Description:

To protect consumers from usury.

Description:

To amend the Consumer Financial Protection Act of 2010 to extend certain supervisory authority of the Bureau of Consumer Financial Protection to include assessing compliance with the Military Lending Act.

Description:

To require the student loan ombudsman of the Department of Education to provide student loan data to the Bureau of Consumer Financial Protection, and for other purposes.

Description:
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.
 
Description:
To amend the Fair Credit Reporting Act to require certain consumer reporting agencies to include a credit score when providing consumers with a free annual consumer report.
Description:
To prohibit forced arbitration in work disputes, and for other purposes.
Description:
To provide bankruptcy relief for student borrowers.
Description:
To amend title 11, United States Code, to include certain pension as administrative expenses in bankruptcy, and for other purposes.
Description:
To provide the option of discharging certain unsecured financial obligations of self-governing territories of the United States.
Description:

To ensure that persons who form corporations or limited liability companies in the United States disclose the beneficial owners of those corporations or limited liability companies, in order to prevent wrongdoers from exploiting United States corporations and limited liability companies for criminal gain, to assist law enforcement in detecting, preventing, and punishing terrorism, money laundering, and other misconduct involving United States corporations and limited liability companies, and for other purposes.

Description:

To amend title 11, United States Code, with respect to the definition of “family farmer.”

To view the House Judicicary Committee report submitted with H.R. 3311 referencing ABI's support for the legislation, please click here.

Description:

To amend the Equal Credit Opportunity Act to require creditors to request demographic information from applicants for certain types of credit in order to prevent discriminatory lending practices with respect to those applicants, and for other purposes. 

Description:

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.

Description:

To amend the Higher Education Act of 1965 in order to increase usage of the Federal student loan income-based repayment plan and improve repayment options for borrowers, and for other purposes.

Description:

To amend the Higher Education Act of 1965 to make technical improvements to the Net Price Calculator system so that prospective students may have a more accurate understanding of the true cost of college.

Description:

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

Description:

To amend the Internal Revenue Code of 1986 to increase the deduction allowed for student loan interest and to exclude from gross income discharges of income contingent or income-based student loan indebtedness.

Description:

To amend the Securities Exchange Act of 1934 to promote transparency in the oversight of cybersecurity risks at publicly traded companies.

Description:

To amend title 11 of the United States Code to include firearms in the types of property allowable under the alternative provision for exempting property from the estate.

Description:

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

Description:
To amend the Truth in Lending Act to address certain issues relating to the extension of consumer credit, and for other purposes.
Description:

To require the Consumer Financial Protection Bureau to meet its statutory purpose, and for other purposes.

Description:

To amend title 11 of the United States Code to prohibit the payment of bonuses to highly compensated individuals employed by the debtor and insiders of the debtor to perform services during the bankruptcy case; and for other purposes.

Description:

To provide that chapter 1 of title 9 of the United States Code, relating to the enforcement of arbitration agreements, shall not apply to enrollment agreements made between students and certain institutions of higher education; and to prohibit limitations on the ability of students to pursue claims against certain institutions of higher education.

Description:

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

Description:

To amend the Consumer Financial Protection Act of 2010 to establish an Office for Under-Banked, Un-Banked, and Underserved Consumers, and for other purposes.

Description:

To direct the Director of the Administrative Office of the United States Courts to consolidate the Case Management/Electronic Case Files system, and for other purposes.

Description:

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.

Description:
To amend the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes.
Description:

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

Description:

To promote fair and transparent virtual currency markets by examining the potential for price manipulation.

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

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

Description:

To impose requirements on the payment of compensation to professional persons employed in voluntary cases commenced under title III of the Puerto Rico Oversight Management and Economic Stability Act (commonly known as "PROMESA").

Description:

To amend the Consumer Financial Protection Act of 2010 to extend the supervisory authority of the Bureau of Consumer Financial Protection to include assessing compliance with the Military Lending Act.

Description:

To amend the Internal Revenue Code of 1986 to create a Pension Rehabilitation Trust Fund, to establish a Pension Rehabilitation Administration within the Department of the Treasury to make loans to multiemployer defined benefit plans, and for other purposes.

Description:

To amend the Internal Revenue Code of 1986 to make permanent the exclusion from gross income of discharge of qualified principal residence indebtedness. 

Description:

To amend title 28, United States Code, to divide the ninth judicial circuit of the United States into 2 circuits, and for other purposes.

Description:

To provide that the final rule of the Bureau of Consumer Financial Protection titled “Home Mortgage Disclosure (Regulation C)” shall have no force or effect.

Description:

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.

Description:

To provide for small business concerns located in Puerto Rico, and for other purposes.

Description:

To amend title 28, United States Code, to provide for the appointment of additional Federal circuit judges, to divide the Ninth Judicial Circuit of the United States into two judicial circuits, and for other purposes.

Description:

To provide requirements for the appropriate Federal banking agencies when requesting or ordering a depository institution to terminate a specific customer account, and for other purposes.

Description:

To establish an Office of Fair Lending Testing to test for compliance with the Equal Credit Opportunity Act, to strengthen the Equal Credit Opportunity Act and to provide for criminal penalties for violating such Act, and for other purposes.