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Current Legislation

Senate - Introduced Bills

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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.

Bill text forthcoming

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

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

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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.

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

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

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A bill to amend the Higher Education Act of 1965 to eliminate origination fees on Federal Direct loans.
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A bill to impose requirements on the payment of compensation to professional persons employed in voluntary cases commenced under title III of PROMESA.
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To amend the Internal Revenue Code of 1986 to exclude from gross income interest received on certain loans secured by agricultural real property.

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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.

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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.

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

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To eliminate the Bureau of Consumer Financial Protection.

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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 the Higher Education Act of 1965 to provide for Federal student loan reform.
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To amend the Employee Retirement Income Security Act of 1974 to protect patients from surprise medical bills.

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

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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 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.

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A bill 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 amend title 18, United States Code, to establish criminal liability for negligent executive officers of major corporations, 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 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.

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To provide for institutional risk-sharing in the Federal student loan programs.
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A bill to amend title 11, United States Code, with respect to the definition of "family farmer."

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

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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.

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A bill 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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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.

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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.

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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.

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

 

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

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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.

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

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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.

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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 amend the Home Mortgage Disclosure Act of 1975 to modify the exemptions from certain disclosure requirements.
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A bill 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 authorize additional district court judgeships for the northern, middle, and southern districts of Florida.

House - Introduced Bills

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

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

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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.

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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.

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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.

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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.

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

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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.

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

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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.

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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.

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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 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.

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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.

Bill text forthcoming.

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

Bill text forthcoming.

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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.

Bill text forthcoming.

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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.

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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.

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

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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.

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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.

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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.
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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.
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To amend the Truth in Lending Act to prohibit certain unfair credit practices, and for other purposes.
 
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To amend the Higher Education Act of 1965 to ensure college for all.
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To forgive outstanding Federal and private student loans.
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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.

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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.

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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.

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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 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 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.

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To protect consumers from usury.

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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.

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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.

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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 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.
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To prohibit forced arbitration in work disputes, and for other purposes.
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To provide bankruptcy relief for student borrowers.
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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 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 provide the option of discharging certain unsecured financial obligations of self-governing territories of the United States.
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. 

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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 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.

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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 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.

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

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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.

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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 Truth in Lending Act to address certain issues relating to the extension of consumer credit, and for other purposes.
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To require the Consumer Financial Protection Bureau to meet its statutory purpose, and for other purposes.

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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.

Full bill text forthcoming.

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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.

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

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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.

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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.

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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 Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes.
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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 promote fair and transparent virtual currency markets by examining the potential for price manipulation.

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

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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").

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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.

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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.

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

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

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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.

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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.

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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.

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

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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.

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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.