CREDIT

Addresses

FDIC Payment Security Conference: Tom Patterson, MagTek, Inc., E64 [21JA]

Amendments

Bankruptcy: make technical corrections to U.S. Code provisions (H.R. 6198), S8144, S8205 [19NO], H8535 [16DE]

Budget: reconciliation of the concurrent resolution relative to health care reform, student loan reform, school construction and renovation, and other education initiatives (H.R. 4872), S1815 [22MR], S1826, S1832, S1854, S1860, S1862, S1879, S1882, S1883, S1884, S1885, S1886, S1887 [23MR], S1934, S1942, S1944, S1957, S1958, S1965, S1966, S1972, S1975, S1978, S1980, S2006, S2007, S2008, S2009, S2010, S2028, S2029, S2030, S2031, S2032, S2033, S2034, S2035, S2036, S2037, S2038, S2039, S2040, S2041, S2044, S2045, S2046, S2047, S2050, S2051, S2065, S2066 [24MR], S2069, S2070, S2071, S2072, S2073, S2074, S2075, S2076, S2077, S2078, S2131, S2132, S2133 [25MR], H2429 [25MR]

———reconciliation of the concurrent resolution relative to health care reform, student loan reform, school construction and renovation, and other education initiatives (H.R. 4872), consideration (H. Res. 1203), H1851 [21MR]

Dept. of HUD: improve financial safety and soundness of the FHA mortgage insurance program (H.R. 5072), H4343, H4345, H4346, H4347, H4349, H4351, H4352, H4353, H4355, H4356, H4357, H4358, H4364 [10JN]

———improve financial safety and soundness of the FHA mortgage insurance program (H.R. 5072), consideration (H. Res. 1424), H4285 [9JN]

Dept. of the Treasury: create the Small Business Lending Fund Program to make capital investments in eligible institutions to increase availability of credit for small businesses (H.R. 5297), S5495 [28JN], S5515, S5516, S5546, S5570, S5594, S5618, S5619, S5620, S5621, S5623, S5624, S5625, S5628 [29JN], S5705, S5706, S5707, S5708, S5709, S5710, S5711, S5712, S5713, S5714, S5715 [30JN], S5749, S5750 [12JY], S5793, S5794, S5795 [13JY], S5860, S5861, S5863, S5864, S5866 [14JY], S5973, S5974, S5975 [15JY], S5997, S5998 [19JY], S6027, S6028, S6029, S6031 [20JY], S6073, S6088, S6089, S6110, S6116 [21JY], S6222, S6223, S6224 [22JY], S6247, S6261 [26JY], S6293, S6294, S6308, S6337, S6338, S6339, S6340 [27JY], S6444, S6445, S6446, S6447, S6448, S6449, S6450, S6451, S6452, S6453, S6454 [28JY], S6528, S6529 [29JY], S6934, S6961, S6962, S6972, S6973, S6974 [5AU], S7044, S7045, S7046, S7047, S7048 [13SE], S7055 [14SE], S7139 [15SE], H4520, H4529, H4531, H4533, H4534, H4535, H4537, H4538, H4539, H4540, H4541 [16JN], H4611, H4612 [17JN], H6905 [23SE]

———create the Small Business Lending Fund Program to make capital investments in eligible institutions to increase availability of credit for small businesses (H.R. 5297), consideration (H. Res. 1448), H4608 [17JN]

———create the Small Business Lending Fund Program to make capital investments in eligible institutions to increase credit for small businesses (H.R. 5297), consideration of Senate amendment (H. Res. 1640), H6891 [23SE]

Economy: provide financial regulatory reform, protect consumers and investors, enhance Federal understanding of insurance issues, and regulate the over-the-counter derivatives markets (H.R. 4173), S4103 [20MY]

House Rules: same-day consideration of resolutions allowing consideration of certain legislation (H. Res. 1487), H5220 [30JN]

Appointments

Conferees: H.R. 4173, Restoring American Financial Stability Act, S4170 [25MY]

———H.R. 4173, Wall Street Reform and Consumer Protection Act, H4300 [9JN]

Articles and editorials

And Now for Students, Big Lender, S1927 [24MR]

Bernanke at the Creation, S314 [28JA]

Bernanke Nomination, S315 [28JA]

Bernanke Record, S315 [28JA]

Difficult Path in Goldman Case, H2675 [20AP]

Economic Recovery 2010, H528 [3FE]

Federal Reserve as a Confidence Game—What They Were Saying in 2007, S4053-S4055 [20MY]

Four Things That Could Help Companies Start Hiring Again, S6848 [5AU]

House of Representative's Reform Package Hurts the Fed's Independence, E34 [15JA]

Jobs in the Cards?, S6845 [5AU]

Loan Squeeze Thwarts Small-Business Revival, E1775 [29SE]

New Credit-Card Tricks, S6619 [3AU]

No Help in Sight, More Homeowners Walk Away, H527 [3FE]

No-Cost Stimulus, S3863 [18MY]

Prevent a Double-Dip Recession, H3181 [5MY]

SBA Program Proves a Hit, but Now It Is in Limbo, S6846 [5AU]

Small Business Bill Appears To Be Stuck in Senate, S6847 [5AU]

Small Business Credit Crunch, S3959 [19MY]

Small Business Lending Fund Will Help Recovery Jobs,, S6846 [5AU]

Spin Meter—Program Risks $30B To Save Weak Banks, S6580 [2AU]

Uncertainty Principle, S5817 [14JY]

Uproar Over Goldman Sachs, H2674, H2675 [20AP]

Wall Street Whitewash, E2205 [18DE]

Washington Rule Makers Out of the Shadows, S8666 [9DE]

Bills and resolutions

Armed Forces: enhance protection of credit ratings of active duty military personnel who are activated for service (see H.R. 5048), H2640 [15AP]

———extend certain enhanced mortgage and mortgage foreclosure protections (see S. 4058), S11037 [22DE]

———provide for a moratorium on the sale or foreclosure of property owned by surviving spouses of servicemembers killed in Iraq or Afghanistan (see H.R. 4664), H754 [23FE]

Bankruptcy: make privately issued student loans dischargeable (see S. 3219), S2377 [15AP] (see H.R. 5043), H2640 [15AP]

———make technical corrections to U.S. Code provisions (see H.R. 6198), H6988 [23SE]

———modify application of certain laws relative to principal residences that are the subject of foreclosure (see H.R. 6431), H7613 [18NO]

Committee on Homeland Security and Governmental Affairs (Senate): authorize release of Permanent Subcommittee on Investigations records on the financial crisis (see S. Res. 545), S4529 [27MY]

Consumers: exclude from consumer credit reports medical debt that has been in collection and has been fully paid or settled (see S. 3419), S4212 [25MY]

———prohibit furnishing of certain negative loan modification information to a consumer reporting agency and prohibit such information from being used in computing a consumer's credit score (see H.R. 5743), H5674 [15JY]

———provide an interest rate cap and other requirements for creditors making covered loans (see H.R. 5689), H5501 [1JY]

———regulate debt settlement services (see S. 3264), S2708 [27AP] (see H.R. 5387), H3822 [25MY]

———require disclosures to all cosigners and guarantors of any consumer credit transaction or lease that are required to be made to the consumer (see H.R. 4659), H754 [23FE]

———require inclusion of credit scores with free annual credit reports provided to consumers (see S. 3247), S2587 [22AP] (see H.R. 4538), H422 [27JA]

Credit Card Accountability Responsibility and Disclosure (Credit CARD) Act: amend effective date of provisions relative to gift certificates, store gift cards, and other general use prepaid cards (see S. 3549), S5538 [29JN] (see H.R. 5502), H4386 [10JN]

Dept. of Agriculture: expand eligibility for Farm Service Agency loans (see S. 3808), S7267 [21SE] (see H.R. 6057), H6570 [30JY]

———extend suspension of limitation on the period for which certain borrowers are eligible for Farm Service Agency guaranteed assistance (see S. 3221), S2423 [19AP] (see H.R. 6418), H7548 [17NO]

———improve the business and industry direct and guaranteed loan program (see S. 3085), S1229 [5MR]

Dept. of Education: extend deadline for distribution of late collections for the Federal Perkins Loan Program (see H.R. 5448), H4022 (see H.R. 5448), H4083 [27MY]

Dept. of HUD: improve financial safety and soundness of the FHA mortgage insurance program (see S. 3704), S6736 [4AU] (see H.R. 5072), H2695 [20AP]

———improve financial safety and soundness of the FHA mortgage insurance program (H.R. 5072), consideration (see H. Res. 1424), H4246 [8JN]

———improve safety and soundness of FHA mortgage insurance programs (see H.R. 4811), H1323 [10MR]

———incorporate transportation costs associated with the location of housing into affordability measures and standards and develop a transportation affordability index (see H.R. 5824), H5983 [22JY]

———provide adequate commitment authority for guaranteed loans that are obligations of the General and Special Risk Insurance Funds (see H.R. 5872), H6162 [27JY]

———provide grants to State and local governments to carry out programs to provide mediation between mortgagees and mortgagors facing foreclosure (see H.R. 5754), H5675 [15JY]

———establish a shared equity appreciation homeownership pilot program (see H.R. 6562), H8940 [21DE]

———make a certification when making purchases under the Small Business Lending Fund Program (see H.R. 5551), H4635 [17JN]

———make electronic communications of certain Troubled Asset Relief Program recipients publicly available on the Internet (see H.R. 4519), H386 [26JA]

———require any amounts repaid by financial institutions receiving Troubled Asset Relief Program assistance be used for debt reduction (see H.R. 4482), H265 [20JA]

———terminate authority under the Troubled Asset Relief Program (see S. 2938), S51 [20JA] (see H.R. 4566), H471 [2FE] (see H.R. 6225), H7153 (see H.R. 6225), H7211 [28SE]

Dept. of Veterans Affairs: improve and make permanent the loan guarantee for the purchase of residential cooperative housing units (see H.R. 6567), H8940 [21DE]

———improve laws relative to default procedures for guaranteed loans (see H.R. 6188), H6879 [22SE]

———make home loan guaranty programs for veterans regarding adjustable rate mortgages and hybrid adjustable rate mortgages (see H.R. 6146), H6803 [16SE]

———provide eligibility for guaranteed housing loans for the surviving spouses of certain totally-disabled veterans (see H.R. 5555), H4635 [17JN]

Domestic policy: temporarily extend certain programs (see S. 3420, 3421), S4212 [25MY]

Economy: modernize and reform monetary system and restore exclusive and sovereign authority of U.S. Government to create and regulate money to rebuild the economy (see H.R. 6550), H8785 [17DE]

———provide financial regulatory reform, protect consumers and investors, enhance Federal understanding of insurance issues, and regulate over-the-counter derivatives (H.R. 4173), consideration of conference report (see H. Res. 1490), H5302 [30JN]

Education: limit student loan payments to ten percent of discretionary income (see H.R. 4834), H1358 [11MR]

———require additional disclosures and protections for students and cosigners relative to student loans (see S. 3996), S8348 [1DE] (see H.R. 5458), H4214 [28MY]

Electronic Fund Transfer Act: protect consumers who have government benefit cards (see H.R. 4552), H427 [29JA]

Fair Credit Reporting Act: amend relative to applicability of identity theft guidelines to creditors (see S. 3987), S8298 [30NO] (see H.R. 6420), H7548 [17NO]

———provide an exclusion from Red Flag Guidelines for certain small businesses (see S. 3416), S4211 [25MY]

Fair Debt Collection Practices Act: improve (see S. 3888), S7787 [29SE]

Fair Housing Act: amend (see H.R. 6500), H8263 [8DE]

Federal Housing Finance Oversight Board: revise requirements for congressional testimony (see H.R. 5391), H3822 [25MY]

FHA: establish a shared equity homeownership pilot program for mortgage insurance (see H.R. 6256), H7389 [29SE]

Financial Crisis Inquiry Commission: require a preliminary report on current U.S. financial and economic crisis (see H.R. 4454), H139 [13JA]

Financial institutions: establish a commercial real estate credit guarantee program to empower community banks and other lenders to make loans (see H.R. 5816), H5983 [22JY]

———provide protection for consumers who have prepaid cards (see S. 4041), S10514 [17DE]

———require lenders of loans with Federal guarantees or Federal insurance to consent to mandatory mediation (see H.R. 4635), H646 [22FE]

Financial Literacy Month: designate (see S. Res. 485), S2377 [15AP]

———support goals and ideals (see H. Res. 1257), H2641 [15AP]

FRS: promulgate regulations regarding interchange transaction fees and amend the Truth in Lending Act to prohibit certain restrictions put in place by credit card networks (see H.R. 5199), H3123 [4MY]

Government-sponsored enterprises: provide on-budget status to Fannie Mae and Freddie Mac (see H.R. 4653), H754 [23FE]

———require Fannie Mae and Freddie Mac to adopt underwriting standards consistent with Dept. of Energy Property Assessed Clean Energy (PACE) programs (see S. 3642), S6201 [22JY] (see H.R. 5766), H5675 [15JY]

Gulf of Mexico: provide relief to homeowners with FHA-insured mortgages who are economically affected by the Deepwater Horizon oil spill incident (see H.R. 5601), H4871 [24JN]

Health Care and Education Reconciliation Act: deauthorize appropriations (see H.R. 5882), H6163 [27JY]

———repeal (see H.R. 5421), H4021 (see H.R. 5421), H4082 (see H.R. 5424), H4021 (see H.R. 5424), H4082 (see H.R. 5444), H4022 (see H.R. 5444), H4083 [27MY] (see H.R. 6555), H8785 [17DE]

Higher Education Act: provide for refinancing of certain private education loans for primary care physicians (see H.R. 6374), H7393 [29SE]

House Rules: same-day consideration of resolutions allowing consideration of certain legislation (see H. Res. 1487), H4973 [29JN]

Housing: allow homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters (see H.R. 5028), H2639 [15AP]

———facilitate affordable workforce homeownership in, and develop the full-time resident communities of, resort areas (see H.R. 6079), H6578 [9AU]

———increase loan guarantee fee for certain guaranteed rural housing loans (see H.R. 5003), H2503 [13AP]

———provide tax incentives for short sales as a preferable alternative to foreclosure (see H.R. 4826), H1357 [11MR]

———require home inspections conducted for property with federally related mortgages be conducted by State-licensed or certified home inspectors and include such inspections in settlement statements (see H.R. 4854), H1517 [16MR]

Mortgages: establish certain counseling and disclosure requirements relative to reverse mortgages (see H.R. 4419), H40 [12JA]

———establish penalties for servicers that fail to timely evaluate the applications of homeowners under home loan modification programs (see S. 3161), S2019 [24MR]

———exempt certain nonprofit housing organizations from certain licensing requirements for residential mortgage loan originators (see S. 3106), S1458 [11MR]

———increase maximum loan limits for FHA multi-family housing projects with elevators and for extremely high-cost areas (see S. 3700), S6736 [4AU]

———prohibit the servicer of a home mortgage, or any affiliate of the servicer, from holding any other mortgage on the property (see H.R. 4953), H2457 [25MR]

———provide additional emergency mortgage assistance to struggling homeowners (see S. 2969), S340 [28JA]

———require, as a condition for modification of a home mortgage loan held by Fannie Mae or Freddie Mac or insured under the National Housing Act, that the mortgagor be verified under the E-verify program (see H.R. 4586), H554 [3FE]

———require, as a condition for purchase of a home mortgage loan held by Fannie Mae or Freddie Mac or insured under the National Housing Act, that the mortgagor be verified under the E-verify program (see H.R. 4744), H1103 [3MR]

———require lender or servicer of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale (see H.R. 6133), H6762 [15SE]

National Institute of Finance: establish (see S. 3005), S482 [4FE]

NeighborWorks America (organization): ensure adequate funding for mortgage foreclosure mitigation activities in connection with the Dept. of the Treasury Home Affordable Modification Program (see H.R. 6069), H6570 [30JY]

Office of the Comptroller of the Currency: create a charter for Federal Financial Services and Credit Companies (see H.R. 5942), H6403 (see H.R. 5942), H6455 [29JY]

Privacy: foster transparency about commercial use of personal information and provide consumers with choice about collection, use, and disclosure of such information (see H.R. 5777), H5711 [19JY]

———protect consumers and businesses from identity theft and require notice of security breaches (see S. 3579), S5849 [14JY]

———protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information and require data breach notification (see S. 3742), S6884 [5AU]

Protecting Tenants at Foreclosure Act: permanently extend (see H.R. 4766), H1168 [4MR]

Public debt: establish a fee on transactions which would eliminate the national debt and provide an income tax credit to offset the impact of the fee (see H.R. 4646), H753 [23FE]

Public Works and Economic Development Act: allow non-debt financing for for-profit companies in business incubators (see H.R. 5871), H6162 [27JY]

Real estate: prohibit Fannie Mae, Freddie Mac, and Ginnie Mae from owning or guaranteeing any mortgage that is assigned to, or for which, the Mortgage Electronic Registration Systems is the mortgagee of record (see H.R. 6460), H7757 [30NO]

———reduce fraud and abusive practices in the origination of residential mortgages by establishing a clearinghouse of mortgage application information (see H.R. 5941), H6403 (see H.R. 5941), H6455 [29JY]

SBA: establish a small business intermediary lending pilot program (see H.R. 5332), H3540 [18MY]

———establish a temporary Working Capital Express loan guarantee program for small business concerns (see S. 3432), S4528 [27MY]

———establish loan guarantee program to assist small business concerns that manufacture clean energy technologies (see H.R. 6212), H6989 [23SE]

———improve the Express Loan Program (see H.R. 4598), H601 [4FE]

———permit use of previously appropriated funds to extend Small Business Loan Guarantee Program (see H.R. 4938), H2456 [25MR]

———provide for refinancing and consolidation of disaster loans made to people directly affected by the Deepwater Horizon oil spill incident (see H.R. 5787), H5818 [20JY]

———waive interest for certain loans relative to damage caused by certain recent hurricanes (see S. 2986), S481 [4FE] (see H.R. 4609), H602 [4FE]

Secure and Fair Enforcement for (S.A.F.E.) Mortgage Licensing Act: delay implementation of licensing requirements (see H.R. 5098), H2798 [21AP]

Small business: extend loan enhancements (see S. 3604), S5964 [15JY]

———improve lending and investment programs (see H.R. 6219), H7153 (see H.R. 6219), H7211 [28SE]

———include certain construction and land development loans in the definition of small business lending (see H.R. 6191), H6988 [23SE]

———provide tax relief, ease regulatory burden, and provide expanded access to credit (see H.R. 5554), H4635 [17JN]

Small Business Act: extend programs (see S. 3253), S2587 [22AP] (see S. 3839), S7446 [24SE] (see H.R. 4508), H386 [26JA]

Small Business Investment Act: extend programs (see S. 3253), S2587 [22AP] (see S. 3839), S7446 [24SE] (see H.R. 4508), H386 [26JA]

———increase maximum amount for loans to State and local development companies and provide temporary authority for debt refinancing of commercial real estate (see H.R. 5412), H3870 [26MY]

State Small Business Credit Initiative: establish (see H.R. 5302), H3482 [13MY]

Student Financial Aid Awareness Month: designate (see H. Res. 1260), H2641 [15AP]

Taxation: allow a business credit for small business loans (see H.R. 5277), H3310 [11MY]

———allow a deduction for interest paid on indebtedness incurred in connection with the purchase of a new automobile or light truck (see H.R. 4897), H1890 (see H.R. 4897), H2173 [21MR]

———allow a deduction for the portion of any equity investment used to buy down debt on commercial real property (see H.R. 5943), H6403 (see H.R. 5943), H6455 [29JY]

———allow a temporary deduction of interest on unsecured credit card debt (see H.R. 4562), H470 [2FE]

———make permanent the deduction for premiums on mortgage insurance (see H.R. 6322), H7392 [29SE]

———permanently extend the deductibility of mortgage insurance premiums (see S. 3692), S6651 [3AU]

———prevent further restriction of Federal income tax deduction for interest paid on debt secured by a first or second home (see H. Con. Res. 334), H8520 [15DE]

———provide a credit for investment in new or expanding small businesses (see H.R. 5691), H5502 [1JY]

———provide a limited exclusion from gross income for the discharge of indebtedness of individuals (see H.R. 4561), H470 [2FE]

———provide additional protections for recipients of the earned income tax credit and the child tax credit (see H.R. 5693), H5502 [1JY]

———provide an additional allowance for the deduction of qualified residence interest for a principal residence and waive recapture of first-time homebuyer credit for home purchases made in 2008 (see H.R. 5239), H3272 [6MY]

———repeal limits on the deduction of interest on education loans (see H.R. 4574), H471 [2FE]

———require certain determinations before the filing of all notices of Federal tax liens and supervisory approval before the filing of certain notices of Federal tax liens (see H.R. 6439), H7614 [18NO]

Truth in Lending Act: establish additional protections for consumers with regard to payday loans (see S. 3245), S2587 [22AP]

Cloture motions

———create the Small Business Lending Fund Program to make capital investments in eligible institutions to increase availability of credit for small businesses (H.R. 5297), motion to proceed, S5430 [24JN], S5514 [29JN]

Conference reports

Wall Street Reform and Consumer Protection Act (H.R. 4173), H4977-H5200 [29JN]

E-mails

Small Business Jobs Act: Bryan Gipson, S6724 [4AU]

———Rick Sanborn, S7151 [16SE]

Letters

Commerical real estate market instability: Representatives Kanjorski and Calvert, H3180 [5MY]

———several Representatives, H3180 [5MY]

Derivatives regulation legislation: Sheila C. Bair, FDIC, S3069 [4MY]

Establish additional protections for consumers with regard to payday loans: Michael P. Calhoun, Center for Responsible Lending (organization), S3873 [18MY]

Federal student loan program: Ashley Bianchi, Rhodes College, S1927 [24MR]

———Christina D. West, Vanderbilt University, S1925 [24MR]

———Janet Bonney-Baker, Baptist College of Health Sciences, S1926 [24MR]

———M. Joanna Hayes Dickens, Middle Tennessee School of Anesthesia, S1927 [24MR]

———Marian Malone Huffman, Tennessee Association of Student Financial Aid Administrators, S1926 [24MR]

———Sandra Rockett, Dyersburg State Community College, S1926 [24MR]

FHA Reform Act: Mortgage Bankers Association, National Association of Home Builders and National Association of Realtors, H4350 [10JN]

———several organizations, H4351 [10JN]

General and Special Risk Insurance Funds Availability Act: Douglas M. Bibby, National Multi Housing Council and Douglas S. Culkin, National Apartment Association, H6250 [28JY]

———Joseph Stanton, National Association of Home Builders, H6250 [28JY]

———several health care, housing, and seniors organizations, H6250 [28JY]

———William P. Killmer, Mortgage Bankers Association, H6250 [28JY]

Health Care and Education Reconciliation Act: A. Barry Rand, AARP, S1976 [24MR]

Increase availability of credit for small businesses: Small Business Access to Credit Coalition, S5988 [19JY]

Over-the-counter derivatives markets regulation and market transparency improvement: Coalition for Derivatives End-Users, S3597 [12MY]

———Jay Timmons, National Association of Manufacturers, S3596 [12MY]

———Paul A. Volcker, S3608 [12MY]

———several organizations, S3597 [12MY]

Permit community banks to remain under FRS supervision: Camden R. Fine, Independent Community Bankers of America (organization), S3522 [11MY]

———R. Bruce Josten, U.S. Chamber of Commerce, S3522 [11MY]

Prohibit Federal assistance to bailout swap dealers and major swap participants: Americans for Financial Reform (organization), S3141 [5MY]

Promulgate regulations regarding debit and credit card interchange transaction fees: Americans for Financial Reform (organization), S3698 [13MY]

———National Trade Associations, S3698 [13MY]

Reform the way initial credit ratings are assigned: Paul S. Stevens, Investment Company Institute, S3979 [19MY]

Regulate over-the-counter derivatives markets and improve market transparency: Senator Dodd, Committee on Banking, Housing and Urban Affairs (Senate) and Senator Lincoln, Committee on Agriculture, Nutrition, and Forestry (Senate), H5248 [30JN]

Require consideration of economic impact of Bureau of Consumer Financial Protection rules and regulations on small businesses: Ron Busby, U.S. Black Chamber, Inc., S3888 [18MY]

———Todd O. McCracken, National Small Business Association, S3888 [18MY]

———several organizations, S3887 [18MY]

Restoring American Financial Stability Act: Vicki Cox Golder, National Association of Realtors, S3500, S3519 [11MY]

Small Business Jobs Act: Camden R. Fine, Independent Community Bankers of America (organization), S7020 [13SE], H6933 [23SE]

———Floyd E. Stoner, American Bankers Association, S7020 [13SE]

———Mike Duffin, Precision Machined Products Association, S7154 [16SE]

———Richard H. Neiman, S6727 [4AU]

———Robert C. Kiener, Precision Machined Products Association, S7154 [16SE]

———Robert E. McKenna, Motor & Equipment Manufacturers Association, S7155 [16SE]

———Robert L. Akers, Jr., National Tooling & Machining Association, S7154 [16SE]

———Scott DeFife, National Restaurant Association, S6509 [29JY]

———Tom Cochran, U.S. Conference of Mayors, S6725 [4AU]

———William E. Gaskin, Precision Metalforming Association, S7154 [16SE]

———William E. Gaskin, Precision Metalforming Association and Robert L. Akers, Jr., National Tooling & Machining Association, S7153 [16SE]

Small Business Lending Fund Act: American Bankers Association, E1125 [16JN]

———Vicki Cox Golder, National Association of Realtors, H4517 [16JN]

Wall Street Reform and Consumer Protection Act: Senators Lincoln and Dodd, S6192 [22JY]

Lists

Congressional staff who worked on H.R. 4173, Restoring American Financial Stability Act, S4140 [24MY]

Congressional staff who worked on H.R. 4173, Wall Street Reform and Consumer Protection Act, S5835 [14JY], H5255 [30JN]

Internet addresses of studies and papers relative to student financial aid programs and student loan programs in H.R. 4872, Health Care and Education Reconciliation Act, S1985 [24MR]

Organizations endorsing H.R. 5297, Small Business Jobs Act, S7019 [13SE]

Organizations supporting H.R. 4173, Wall Street Reform and Consumer Protection Act, S5834 [14JY]

Organizations supporting H.R. 5297, Small Business Jobs Act, S6471 [29JY]

Organizations supporting Snowe amendment to S. 3217, Restoring American Financial Stability Act, requiring consideration of economic impact of Bureau of Consumer Financial Protection rules and regulations on small businesses, S3887 [18MY]

Proposed points of order against certain provisions in H.R. 4872, Health Care and Education Reconciliation Act, submitted by Senator Grassley, S2084 [25MR]

Small Business Jobs Act newspaper and magazine story headlines, S6506 [29JY]

Memorandums

Consumer Bureau vs. SEC/CFTC Powers: Representative Dennis Moore, H5217 [30JN]

Democrat Spending Since Troubled Asset Relief Program Was Enacted Into Law, H2247 [23MR]

Good Is Oft Interred With Their Bones: James D. MacPhee, Mike Menzies, and Sal Marranca, Independent Community Bankers of America (organization), S5832 [14JY]

Language of Financial Reform: Frank Luntz, S2260-S2262 [14AP]

Small Business Lending Fund Act: Independent Community Bankers of America (organization), H4517 [16JN]

Motions

Budget: reconciliation of the concurrent resolution relative to health care reform, student loan reform, school construction and renovation, and other education initiatives (H.R. 4872), S1821, S1840, S1847 [23MR], S1923, S1937, S1959, S1980, S1993, S1994, S1995, S1996, S1997, S1998, S1999, S2000, S2001, S2002, S2003, S2004, S2005, S2006, S2008, S2009, S2010, S2011 [24MR], S2070, S2071, S2072, S2073, S2074, S2075, S2076, S2077, S2078, S2079 [25MR], H2167 [21MR], H2429 [25MR]

Dept. of HUD: improve financial safety and soundness of the FHA mortgage insurance program (H.R. 5072), H4363 [10JN]

Dept. of the Treasury: create the Small Business Lending Fund Program to make capital investments in eligible institutions to increase availability of credit for small businesses (H.R. 5297), S5430 [24JN], S5515 [29JN], S6073 [21JY], S6293, S6340 [27JY], S6473 [29JY], S6974 [5AU], S7140 [15SE], S7146 [16SE], H4616 [17JN], H6930 [23SE]

Outlines

Addressing small business needs to create jobs, S1640 [17MR]

Press releases

ICBA and 28 State Community Bank Associations Urge Prompt Passage of Small Business Lending Fund Bill: Independent Community Bankers of America (organization), S5512 [29JN]

Manufacturers Applaud Senator Voinovich for His Support of Small Business Jobs Act: Precision Metalforming Association and National Tooling & Machining Association, S7154 [16SE]

State Regulators Support Administration's Small Business Lending Proposals: Neil Milner, Conference of State Bank Supervisors, H4518 [16JN]

Proclamations

Financial Literacy Month: President Obama, H2657 [20AP]

Questions and answers

Dominance of Unethical Banking: Jay Kernis with William K. Black, E2253 [22DE]

Remarks in House

American Recovery and Reinvestment Act: impact on small business tax credits, H2486 [13AP]

Appropriations: revised allocation of spending authority to certain committees of the House, H2171 [21MR]

Armed Forces: extend certain enhanced mortgage and mortgage foreclosure protections (H.R. 3976), H2183, H2184 [22MR], H4089 [28MY], E501 [25MR]

———extend certain enhanced mortgage and mortgage foreclosure protections (S. 4058), H8980 [22DE]

Bankruptcy: make privately issued student loans dischargeable (H.R. 5043), E570 [15AP]

———make technical corrections to U.S. Code provisions (H.R. 6198), H7158-H7161 [28SE], E1730 [23SE], E1973 [18NO]

———make technical corrections to U.S. Code provisions (H.R. 6198), Senate amendment, H8535 [16DE]

———modify application of certain laws relative to principal residences that are the subject of foreclosure (H.R. 6431), E1979 [18NO]

Budget: reconciliation of the concurrent resolution relative to health care reform, student loan reform, school construction and renovation, and other education initiatives (H.R. 4872), H1597 [18MR], H1777, H1783, H1790, H1795 [20MR], H1854-H2169 [21MR], H2175, H2176, H2177, H2192-H2213 [22MR], H2247, H2248 [23MR], H2276, H2277 [24MR], E437, E440, E441, E444, E447 [22MR], E454, E455, E457, E462 [23MR], E465, E468, E469, E472, E473, E475, E477 [24MR], E506 [25MR]

Charities: suspend credit card fees, except those for processing, on contributions to certain charities, H169 [19JA]

Committee on Economics (Joint): release of report entitled ``Understanding the Economy, State by State'', H357 [26JA], H5963 [22JY]

Consumer Credit Counseling Service of Greater Dallas, Inc.: tribute to workshop on protecting finances, H2940 [28AP]

Consumer Financial Protection Agency: establish, H3254 [6MY], H3844, H3845, H3847 [26MY], H4088 [28MY], H5235 [30JN]

———establish (H.R. 3126), H936 [26FE], H2888 [27AP]

Consumers: exclude from consumer credit reports medical debt that has been in collection and has been fully paid or settled (H.R. 3421), H7079-H7081 [28SE], E1791 [29SE]

———protect from predatory mortgage lending practices, H3191, H3192 [5MY], H3256 [6MY], H5235, H5294 [30JN]

Credit: promulgate regulations regarding debit and credit card interchange transaction fees, H3874 [27MY]

Credit Card Accountability Responsibility and Disclosure (Credit CARD) Act: amend effective date of provisions relative to gift certificates, store gift cards, and other general use prepaid cards (H.R. 5502), H4393-H4395 [14JN], E1098, E1100, E1110 [15JN]

Credit cards: establish a national usury rate for consumer accounts under open end consumer credit plans (H.R. 4300), H2683 [20AP]

———increase penalties for certain fraud offenses committed to facilitate gangs, crime syndicates, and terrorism, E64 [21JA]

Cuyahoga County, OH: tribute to Cuyahoga County Common Pleas Court Foreclosure Mediation Program, E2024 [1DE]

Dept. of Agriculture: provide for resolution of certain discrimination claims by women farmers and reform loan system in order to end gender discrimination (H.R. 4264), H796 [24FE], E246 [25FE]

———require lenders making certain energy related loans to rural consumers give priority to Armed Forces active duty members and veterans, H6787 [16SE]

Dept. of HHS: establish a loan program for eligible hospitals to establish residency training programs (H.R. 914), H912 [25FE]

Dept. of HUD: grant authority to establish higher minimum down payment requirements on mortgages and require report to Congress on implementation of such requirements, H4348 [10JN]

———improve financial safety and soundness of the FHA mortgage insurance program (H.R. 5072), H4300 [9JN], H4342-H4365 [10JN], E1063, E1065, E1068, E1069, E1075 [10JN], E1103 [15JN], E1184 [23JN]

———improve financial safety and soundness of the FHA mortgage insurance program (H.R. 5072), consideration (H. Res. 1424), H4277-H4287 [9JN]

———improve financial safety and soundness of the FHA mortgage insurance program (H.R. 5072), corrections in engrossment, H4366 [10JN]

———improve financial safety and soundness of the FHA mortgage insurance program (H.R. 5072), motion to recommit, H4364 [10JN]

———include information on financial management and credit risk in mortgage counseling services, H4347 [10JN]

———incorporate transportation costs associated with the location of housing into affordability measures and standards and develop a transportation affordability index (H.R. 5824), E1407 [22JY]

———prevent any taxpayer bailout of the FHA, H4364 [10JN]

———prioritize mortgage counseling services to areas with high foreclosure rates, H4346, H4347 [10JN]

———prohibit FHA issuance of mortgage insurance for borrowers with strategic defaults, H4364 [10JN]

———provide adequate commitment authority for guaranteed loans that are obligations of the General and Special Risk Insurance Funds (H.R. 5872), H6249-H6251 [28JY]

Dept. of the Treasury: capital treatment of small business lending fund investments, H6931 [23SE]

———create the Small Business Lending Fund Program to make capital investments in eligible institutions to increase availability of credit for small businesses (H.R. 5297), H3547 [19MY], H4443 [15JN], H4510, H4513-H4542 [16JN], H4600, H4610-H4618 [17JN], H4679 [23JN], H4913 [29JN], H5600 [14JY], H6029 [26JY], H6262 [28JY], H6688 [15SE], H6765 [16SE], H6812 [22SE], H6883, H6885, H6981 [23SE], H7027, H7028 [28SE], H7215, H7216 [29SE], E1125 [16JN], E1127, E1129, E1131, E1133, E1139 [17JN], E1153, E1165 [22JN], E1723 [23SE], E1765, E1775, E1777, E1863 [29SE]

———create the Small Business Lending Fund Program to make capital investments in eligible institutions to increase availability of credit for small businesses (H.R. 5297), Senate amendment, H6905-H6939 [23SE], E1751 [28SE], E1780 [29SE]

———create the Small Business Lending Fund Program to make capital investments in eligible institutions to increase availability of credit for small businesses (H.R. 5297), unanimous-consent agreement, H4513 [16JN]

———define small business under Small Business Lending Fund Program, increase loan volume, establish baseline measurement for lending, and include certain lending centers as qualified lending institutions, H4530, H4531 [16JN]

———ensure farmers and rural communities receive equal consideration through the Small Business Lending Fund Program, H4540, H4541 [16JN]

———ensure selection criteria for the Small Business Early Stage Investment program includes the extent to which investment capital would be concentrated in targeted industries, H4538 [16JN]

———ensure that community banks participating in the Small Business Lending Fund Program prioritize, reach out to, and focus on veteran-owned small businesses, H4529 [16JN]

———ensure that Small Business Lending Fund Program materials are culturally and linguistically diverse, provide for minority outreach, and disaggregate data, H4541 [16JN]

———ensure that State-run venture capital programs are eligible to participate in the State Small Business Credit Initiative program and clarify eligibility of State financing programs, H4537 [16JN]

———establish the Office of Small Business Lending Fund Oversight, H4535, H4536 [16JN]

———facilitate participation by Community Development Financial Institutions Fund recipients in the Small Business Lending Fund Program, H6931, H6932 [23SE]

———give the Special Inspector General of the Troubled Asset Relief Program oversight of the Small Business Lending Fund Program and certify that banks are receiving funds based on merit, H4616, H4617 [17JN]

———include construction and land development loans as eligible under the Small Business Lending Fund Program, H4612, H4613 [17JN]

———include nonowner-occupied commercial real estate loans as eligible under the Small Business Lending Fund Program, H4531 [16JN]

———make a certification when making purchases under the Small Business Lending Fund Program (H.R. 5551), H4682-H4685 [23JN]

———repeal authority to extend the Troubled Asset Relief Program (H.R. 4110), H6596 [10AU]

———require financial institutions lending funds received from the Small Business Lending Fund Program indicate such fact on applicable loan documents, H4534, H4535 [16JN]

———require financial institutions receiving Troubled Asset Relief Program assistance to increase lending levels, H362 [26JA]

———review current banking laws and regulations that prohibit U.S. citizens living abroad from accessing U.S. banking services, H2939 [28AP]

———terminate authority under the Troubled Asset Relief Program (H.R. 4566), H565, H568, H569 [4FE]

———terminate authority under the Troubled Asset Relief Program (H.R. 6225), H7221-H7223, H7225 [29SE]

Dept. of Veterans Affairs: improve and make permanent the loan guarantee for the purchase of residential cooperative housing units (H.R. 6567), E2224 [21DE]

Economy: analysis of causes and potential remedies of current economic recession, H307 [21JA], H1019-H1024 [2MR], H1155, H1159 [4MR], H1300 [10MR], H2677-H2682 [20AP], H2868-H2871 [26AP], H3004-H3008 [28AP], H3104 [4MY], H3184-H3191 [5MY], H3425-H3432 [12MY], H4409 [14JN], H4744-H4746, H4750, H4751 [23JN], H4963-H4969 [29JN], H5228 [30JN], H5495, H5496 [1JY], H5970 [22JY], H6155-H6159 [27JY], H6265 [28JY], H6742-H6748 [15SE], E53-E55 [20JA]

———clarify regulatory authority of SEC and CFTC over broker-dealers and investment advisors, H5216 [30JN]

———Government bailout of financial institutions, H376 [26JA], H638 [22FE], H2632 [15AP], H3130 [5MY], H3263 [6MY], H3535 [18MY], H4078 [27MY], H4237, H4238 [8JN], H4412 [14JN], H4497 [15JN], H4670 [22JN], H5244 [30JN]

———impact of failure to extend Bush administration tax cuts, H3637 [19MY], H3808 [25MY]

———impact of subprime mortgage lending, H5597 [14JY]

———provide financial regulatory reform, protect consumers and investors, enhance Federal understanding of insurance issues, and regulate the over-the-counter derivatives markets (H.R. 4173), H197 [20JA], H366, H367 [26JA], H389, H390 [27JA], H480 [3FE], H2678-H2684 [20AP], H2700, H2702, H2703, H2780 [21AP], H2805, H2806, H2836 [22AP], H2887, H2888, H2889, H2890, H2927-H2933 [27AP], H3003 [28AP], H3018 [29AP], H3083, H3106-H3108 [4MY], H3191-H3199 [5MY], H3252-H3262 [6MY], H3280, H3299, H3302 [11MY], H3315, H3317 [12MY], H3468, H3474 [13MY], H3548 [19MY], H3665 [20MY], H3755, H3756, H3804, H3809-H3814 [25MY], H3844-H3849 [26MY], H3874 [27MY], H4289 [9JN], H4440, H4442 [15JN], H4512 [16JN], H4680 [23JN], H4902 [28JN], E7 [12JA], E613 [21AP], E1230 [29JN]

———provide financial regulatory reform, protect consumers and investors, enhance Federal understanding of insurance issues, and regulate the over-the-counter derivatives markets (H.R. 4173), conference report, H4907, H4913, H4915, H4953-H4957, H4966 [29JN], H5206, H5207, H5208, H5209, H5212-H5220, H5233-H5261, H5281, H5282, H5294, H5295, H5297 [30JN], H5306 [1JY], H5601, H5602 [14JY], H5670 [15JY], H5805, H5812 [20JY], H5823, H5898 [21JY], H5925, H5961 [22JY], H6148 [27JY], E1237, E1257 [30JN], E1262, E1270, E1272, E1285 [1JY], E1294, E1295 [13JY], E1347-E1349, E1350 [15JY], E1383 [20JY], E1407 [22JY], E1429 [27JY], E1505 [30JY], E2144, E2146 [15DE]

———reform the financial regulatory system of the U.S., H176 [19JA], H335 [26JA], H2649, H2673 [20AP], H2700, H2701 [21AP], H2997-H3003 [28AP], H3105 [4MY], H3758 [25MY], H5603 [14JY], E7 [12JA]

———reform the financial regulatory system of the U.S. (H.R. 3310), H5227, H5240, H5258 [30JN]

———regulation of U.S. financial markets, H6027 [26JY], E2204 [18DE]

———require CFTC and SEC to conduct rulemakings to eliminate conflicts of interest arising from control of clearing and trading facilities by swap entities, H5217 [30JN]

Education: require additional disclosures and protections for students and cosigners relative to student loans (H.R. 5458), H7077-H7079 [28SE], E1781, E1782 [29SE]

———student loans and financial aid programs funding, H6153 [27JY]

Eximbank: denial of loan guarantee to Reliance Industries Ltd., to purchase mining equipment from Bucyrus International Inc., H5493 [1JY]

Fair Credit Reporting Act: amend relative to applicability of identity theft guidelines to creditors (S. 3987), H8059, H8060 [7DE]

FDIC: require financial regulators issue non-conflicting guidelines to banks relative to financial regulatory capital requirements and lending standards, H4533 [16JN]

Federal Home Loan Banks: anniversary of Affordable Housing Program, E1311 [14JY], E2086 [8DE]

Financial institutions: allow small banks to amortize losses or write-downs on real estate loans in order to increase availability of credit for small businesses, H4532, H4533 [16JN]

———handling of foreclosure crisis, H244 [20JA], E1871 [29SE]

———impact of government regulations on lending ability of community banks, H607 [9FE]

———provide exception from requirement for annual privacy notices for financial institutions which do not share personal information with affiliates (H.R. 3506), H2513, H2514 [14AP]

———reduce white collar crime and fraud in financial system, E2252 [22DE]

———restore certain provisions of law to separate investment banking from commercial banking, H271 [21JA]

———restore certain provisions of law to separate investment banking from commercial banking (H.R. 4377), H112 [13JA], H4956 [29JN], H5283 [30JN]

Financial Literacy Month: support goals and ideals (H. Res. 1257), H2656-H2659 [20AP], H2909 [27AP], E605 [21AP], E643 [26AP]

Florida: resurgence in housing market, H3758 [25MY]

FRS: clarify exemptions to interchange fees of prepaid cards used for health care and employee benefits programs and transportation accounts, H5225 [30JN]

Gambling: prohibit Internet gambling, H2510 [14AP]

GAO: analyze the effectiveness of the Dept. of HUD loss mitigation home retention programs, H4357 [10JN]

Government regulations: promulgate regulations regarding debit and credit card interchange transaction fees, H3874 [27MY], H4680 [23JN], H5254, H5256 [30JN]

———provide for enhanced disclosure under an open end credit plan (H.R. 627), H654, H660 [23FE], H2887 [27AP]

Government-sponsored enterprises: provide on-budget status to Fannie Mae and Freddie Mac (H.R. 4653), H4279, H4281-H4285 [9JN]

Health Care and Education Reconciliation Act: deauthorize appropriations (H.R. 5882), H6274, H6275 [28JY]

———repeal (H.R. 5444), E985 [28MY]

Higher Education Act: amend (H.R. 3221), H1488 [16MR], H3391 [12MY], H5900 [21JY]

House Rules: same-day consideration of resolutions allowing consideration of certain legislation (H. Res. 1487), H5212-H5222 [30JN]

Housing: allow homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters (H.R. 5028), H3728 [24MY]

———establish a program to assist homeowners experiencing temporary difficulty making mortgage payments, H5258 [30JN]

———reduce foreclosures of residential mortgages, H1017 [2MR]

Mortgages: cap maximum loan limits for FHA single family insured mortgages in certain high cost areas, H4355, H4356 [10JN]

———increase maximum loan limits for FHA multi-family housing projects with elevators and for extremely high-cost areas, H4354 [10JN]

———limit number of FHA-insured mortgages to a certain percentage of total private-market home loans originated in a year, H4352, H4353 [10JN]

———raise downpayment requirements for borrowers under FHA-insured mortgages, H4349-H4351 [10JN]

National Infrastructure Development Bank: establish (H.R. 2521), H1015 [2MR]

Obama, President: evaluation of economic policies, H2248 [23MR], H5550 [14JY]

Populist Caucus: agenda, H1011-H1017 [2MR]

Real estate: address instability in commerical real estate market, H3179 [5MY]

Santos, Sharon T.: Credit Union National Association Desjardin Financial Literacy Award recipient, E372 [12MR]

SBA: establish a small business intermediary lending pilot program (H.R. 5332), H3665 [20MY]

———establish the Small Business Borrower Assistance Program to provide payments of principal and interest on qualifying small business loans, H4611, H4612 [17JN]

———improve the Express Loan Program (H.R. 4598), H1493, H1494 [16MR]

———permit use of previously appropriated funds to extend Small Business Loan Guarantee Program (H.R. 4938), H2414-H2416 [25MR]

Securities: regulate over-the-counter derivatives markets and improve market transparency, H4957 [29JN], H5245, H5248 [30JN]

Senate: tribute to congressional staff who worked on H.R. 4173, Wall Street Reform and Consumer Protection Act, H5255 [30JN]

Senior citizens: address needs to improve quality of life, H5550 [14JY]

———protect economic interests, H3844-H3849 [26MY]

Small business: authorize certain debt refinancing (H.R. 2527), H323 [21JA]

———improve access to credit, H3633-H3637 [19MY], H5538 [13JY]

———include certain construction and land development loans in the definition of small business lending (H.R. 6191), H7081, H7082 [28SE]

———provide tax relief, ease regulatory burden, and provide expanded access to credit (H.R. 5554), H5727, H5730 [20JY]

Small Business Act: extend programs (H.R. 4508), H400, H401 [27JA]

———extend programs (S. 3253), H2879, H2895, H2896 [27AP], E692 [28AP]

———extend programs (S. 3839), H7090 [28SE]

Small Business Investment Act: extend programs (H.R. 4508), H400, H401 [27JA]

———extend programs (S. 3253), H2879, H2895, H2896 [27AP], E692 [28AP]

———extend programs (S. 3839), H7090 [28SE]

———increase maximum amount for loans to State and local development companies and provide temporary authority for debt refinancing of commercial real estate (H.R. 5412), H3842 [26MY]

States: ensure women and minority-owned businesses are provided with capital lending opportunities, H4513 [16JN]

Taxation: provide a credit for certain home purchases, H362 [26JA]

———require certain determinations before the filing of all notices of Federal tax liens and supervisory approval before the filing of certain notices of Federal tax liens (H.R. 6439), E1969 [18NO]

Yunus, Muhammad: award Congressional Gold Medal (S. 846), H6960-H6963 [23SE]

Remarks in Senate

American Recovery and Reinvestment Act: impact of stimulus funding, S234 [26JA]

Armed Forces: extend certain enhanced mortgage and mortgage foreclosure protections (S. 4058), S10990 [22DE]

Bankruptcy: make privately issued student loans dischargeable (S. 3219), S2388 [15AP]

———make technical corrections to U.S. Code provisions (H.R. 6198), S8205 [19NO], S10508 [17DE]

Bernanke, Ben S.: impact of previous decisions as Federal Reserve Board Chair on suitability to serve additional term, S321 [28JA]

Budget: reconciliation of the concurrent resolution relative to health care reform, student loan reform, school construction and renovation, and other education initiatives (H.R. 4872), S1783-S1790, S1798, S1799 [22MR], S1819, S1821-S1867 [23MR], S1923-S2012 [24MR], S2069-S2089 [25MR], S2158 [26MR], S2753 [28AP]

CBO: score Federal purchases of private stock, equity, or capital investments on a fair-value basis that considers market risk, S7109 [15SE]

Colleges and universities: address increasing levels of student loan debt and default rates, S7106-S7108 [15SE], S7587-S7590 [28SE]

Committee on Homeland Security and Governmental Affairs (Senate): authorize release of Permanent Subcommittee on Investigations records on the financial crisis (S. Res. 545), S4560 [27MY]

Congress: accomplishments of the 111th Congress, S5-S7 [20JA], S11012, S11013, S11024-S11026 [22DE]

Consumers: amend definition of credit to exclude no-interest credit instruments, S3973 [19MY]

———exclude from consumer credit reports medical debt that has been in collection and has been fully paid or settled (S. 3419), S4220 [25MY]

———protect from certain practices in connection with the origination of consumer credit transactions secured by the consumer's principal dwelling (S. 863), S3516 [11MY]

———protect from usury, S1608 [16MR], S1662-S1664 [17MR], S2362 [15AP], S2446 [20AP], S2734, S2735 [28AP]

———protect from usury (S. 582), S2704 [27AP], S8771 [10DE]

———require disclosure of credit score used to evaluate consumers when score results in an adverse action, S3772-S3774 [14MY], S3810 [17MY]

———require inclusion of credit scores with free annual credit reports provided to consumers, S3062, S3063 [4MY], S3291 [5MY], S3699 [13MY]

———require inclusion of credit scores with free annual credit reports provided to consumers (S. 3247), S2589 [22AP], S2632 [26AP]

———restore State's rights to protect from usury, S3708, S3709 [13MY], S3803 [17MY], S3971, S3972 [19MY]

Credit: promulgate regulations regarding debit and credit card interchange transaction fees, S3455 [10MY], S3588-S3590 [12MY], S3695-S3698, S3704, S3705 [13MY], S4839-S4841 [10JN], S4929-S4931 [15JN], S4977 [16JN], S5925 [15JY]

Credit cards: prevent predatory lending, S2790-S2793 [29AP]

Dept. of Education: condition Federal Family Education Loan Program funding on certification that no State will experience a net job loss as a result of enactment, S1959, S1999 [24MR]

Dept. of Energy: enhance Loan Guarantee Program, S4413 [26MY], S4570 [28MY]

———establish deadline for OMB review of Loan Guarantee Program applications, S4414 [26MY]

Dept. of HUD: provide adequate commitment authority for guaranteed loans that are obligations of the General and Special Risk Insurance Funds (H.R. 5872), S6740, S6741 [4AU]

Dept. of Justice: improve enforcement of mortgage fraud, securities fraud, financial institution fraud and other frauds related to Federal assistance and relief programs (S. 386), S1610 [16MR], S2414 [19AP]

Dept. of the Treasury: create the Small Business Lending Fund Program to make capital investments in eligible institutions to increase availability of credit for small businesses (H.R. 5297), S5161 [18JN], S5163 [21JN], S5423, S5424 [24JN], S5515-S5523 [29JN], S5655, S5666, S5674, S5675 [30JN], S5771-S5773, S5775 [13JY], S5797, S5798 [14JY], S5954 [15JY], S5980, S5985-S5988 [19JY], S6002, S6009 [20JY], S6053, S6067-S6073 [21JY], S6132, S6148-S6177, S6180-S6190 [22JY], S6285, S6292 [27JY], S6345, S6346, S6351, S6354-S6356, S6359-S6365, S6373-S6376, S6381-S6388 [28JY], S6459-S6476, S6494-S6509 [29JY], S6568-S6572, S6580 [2AU], S6724-S6727 [4AU], S6845-S6848, S6868, S6972-S6974 [5AU], S7003, S7007, S7012-S7015, S7018-S7022 [13SE], S7051-S7065, S7067 [14SE], S7097, S7102-S7113, S7116-S7120, S7122-S7125, S7139, S7140 [15SE], S7144-S7158 [16SE], S7408 [23SE], S7440 [24SE], S7455 [27SE]

———dedicate portion of the Troubled Asset Relief Program funding to provide low-interest loans to unemployed homeowners facing foreclosure, S3818 [17MY]

———establish Office of the Homeowner Advocate, S3398 [7MY]

———facilitate community bank access to capital in order to increase lending to small businesses, S319-S321 [28JA]

———make a certification when making purchases under the Small Business Lending Fund Program (H.R. 5551), S5456 [24JN], S5459 [25JN]

———prohibit institutions that have delinquent Troubled Asset Relief Program loans from accessing funds through the Small Business Lending Fund Program, S7108-S7110 [15SE]

———require any amounts repaid by financial institutions receiving Troubled Asset Relief Program assistance be used for debt reduction, S3512, S3513 [11MY]

———terminate authority under the Troubled Asset Relief Program, S28-S30 [20JA], S68-S70, S73-S79, S81, S96-S100 [21JA]

———terminate authority under the Troubled Asset Relief Program and commence liquidation, S5900 [15JY]

Domestic policy: temporarily extend certain programs (S. 3421), S4394 [25MY], S4397 [26MY]

———temporarily extend certain programs (S. 3421), unanimous-consent request, S4870 [14JN], S5097 [17JN], S5164 [21JN]

Economy: analysis of causes and potential remedies of current economic recession, S1608 [16MR], S1662-S1664 [17MR], S2195-S2197 [12AP], S2497 [21AP], S2726 [28AP], S3591-S3594 [12MY], S4046-S4052 [20MY], S4206 [25MY]

———Government bailout of financial institutions, S5801 [14JY], S8740-S8742 [10DE]

———national objectives priority assignments, S7232 [21SE]

———provide financial regulatory reform, protect consumers and investors, enhance Federal understanding of insurance issues, and regulate the over-the-counter derivatives markets (H.R. 4173), S2152, S2155-S2157 [26MR], S4110, S4139 [24MY], S4192, S4207, S4208 [25MY], S4404 [26MY], S4497-S4499, S4560 [27MY], S4839-S4841 [10JN], S4929-S4931 [15JN], S4967, S4973, S4977 [16JN], S5167 [21JN]

———provide financial regulatory reform, protect consumers and investors, enhance Federal understanding of insurance issues, and regulate the over-the-counter derivatives markets (H.R. 4173), conference report, S5656-S5661 [30JN], S5774, S5775 [13JY], S5801-S5803, S5807, S5811, S5814-S5822, S5825, S5828-S5835, S5840-S5842, S5844 [14JY], S5870-S5933, S5943-S5945 [15JY], S6040, S6041 [21JY], S6155 [22JY], S6241-S6243 [26JY], S6513 [29JY]

———reform the financial regulatory system of the U.S., S11 [20JA], S176 [25JA], S299, S319 [28JA], S388 [1FE], S473-S475 [4FE], S1220-S1222 [5MR], S1416-S1421 [11MR], S1609-S1611 [16MR], S1719-S1721 [18MR], S2152-S2155 [26MR], S2189 [12AP], S2216-S2218, S2222-S2224 [13AP], S2254, S2258-S2260, S2262-S2265 [14AP], S2414-S2416 [19AP], S7599-S7601 [28SE], S7744 [29SE], S8769-S8771 [10DE]

———regulation of U.S. financial markets, S6850 [5AU]

Education: student loans and financial aid programs funding, S1980, S1984, S1987-S1989 [24MR], S2079, S2080 [25MR]

Fair Credit Reporting Act: amend relative to applicability of identity theft guidelines to creditors (S. 3987), S8288, S8289 [30NO]

Fair Debt Collection Practices Act: improve (S. 3888), S7801 [29SE]

FDIC: exempt activities of nonprofit and tax-exempt organizations from risk-based matrix of factors used to assess entities with regard to liquidation authority, S5902 [15JY]

———remove statutory references to credit rating agencies as sources for determining creditworthiness of investments, S3323 [6MY]

Financial institutions: allow purchase and disposal of securities and other underwriting or market making activities that do not exceed near term demands of clients, customers, or counterparties, S5906 [15JY]

———create a financial stability council to oversee the financial regulatory activities of the Government, S3459-S3461 [10MY], S3953 [19MY]

———establish specific consumer protection liaison for Armed Forces members and their families, S3611-S3613 [12MY]

———handling of foreclosure crisis, S553 [11FE]

———impact of government regulations on lending ability of community banks, S2189 [12AP]

———impact of mark to market financial regulatory rule 114 relative to real estate appraisals, S387-S389 [1FE]

———implement framework for Federal supplements and prefunding in averting liquidity crises in large institutions, S2265, S2266 [14AP]

———permit community banks to remain under FRS supervision, S2489, S2490 [21AP], S3138, S3139 [5MY], S3521-S3529 [11MY], S3573, S3574, S3575 [12MY]

———prohibit certain payments to loan originators and require verification by lenders of the ability of consumers to repay loans, S3516-S3521 [11MY], S3572-S3574 [12MY], S4064 [20MY]

———prohibit naked credit default swaps, S2998 [30AP], S3079 [4MY], S3874, S3877-S3879, S3884, S3890-S3894 [18MY]

———protect consumers from interstate lending laws, S3149, S3150 [5MY], S3956 [19MY]

———reduce interest rates paid by student borrowers on education loans, S1924, S1928, S1929, S1947, S1996 [24MR]

———reform the way initial credit ratings are assigned, S3082 [4MY], S3155, S3156 [5MY], S3311 [6MY], S3399 [7MY], S3465 [10MY], S3673-S3678, S3681-S3683 [13MY], S3955, S3958, S3977-S3979 [19MY], S4044 [20MY]

———restore certain provisions of law to separate investment banking from commercial banking, S115 [21JA], S1416-S1421 [11MR], S2414-S2416 [19AP], S2446 [20AP], S2492 [21AP]

Financial Literacy Month: designate (S. Res. 485), S2393, S2394 [15AP]

FRS: establish Bureau of Consumer Financial Protection, S3578 [12MY], S3775 [14MY], S3960, S3974 [19MY], S5891 [15JY]

———exempt small businesses from regulation by Bureau of Consumer Financial Protection, S3577, S3578, S3618 [12MY], S3862 [18MY], S4063, S4064 [20MY]

———prohibit Bureau of Consumer Financial Protection investigation of consumer transactions without the written permission of the consumer, S3800 [17MY], S4059 [20MY]

———require consideration of economic impact of Bureau of Consumer Financial Protection rules and regulations on small businesses, S3678-S3681 [13MY], S3884-S3888 [18MY]

———require non-bank financial companies meet statutory minimum capital standards, S5902, S5903 [15JY]

FTC: preserve enforcement and regulatory authority while coordinating regulatory efforts with the Bureau of Consumer Financial Protection, S3807, S3808 [17MY]

Government regulations: promulgate regulations regarding debit and credit card interchange transaction fees, S3455 [10MY], S3588-S3590 [12MY], S3695-S3698, S3704, S3705 [13MY], S4839-S4841 [10JN], S4929-S4931 [15JN], S4977 [16JN], S5925 [15JY], S10995-S10997 [22DE]

———provide for enhanced disclosure under an open end credit plan (H.R. 627), S6618-S6621 [3AU]

Government-sponsored enterprises: require Fannie Mae and Freddie Mac to adopt underwriting standards consistent with Dept. of Energy Property Assessed Clean Energy (PACE) programs (S. 3642), S6206 [22JY]

Health Care and Education Reconciliation Act: economic impact on Tennessee State budget, S1980 [24MR]

Housing: establish suitability standards for seniors relative to reverse mortgages and increase regulation of industry, S4040 [20MY]

Investments: clarify definition of swap dealers to not include end users that execute swaps through affiliates, S5907 [15JY]

Mortgages: establish penalties for servicers that fail to timely evaluate the applications of homeowners under home loan modification programs (S. 3161), S2024 [24MR]

———require the mortgage originator retain a certain percentage of the mortgage for its lifetime or until the mortgage is paid, S2435, S2436 [20AP]

National Institute of Finance: establish (S. 3005), S496 [4FE]

Obama, President: State of the Union Message, S359-S362 [29JA]

Privacy: prevent identity theft, ensure privacy, and enhance penalties, law enforcement, and protections against security breaches, fraudulent access, and misuse of personally identifiable information (S. 1490), S11026 [22DE]

———protect consumers and businesses from identity theft and require notice of security breaches (S. 3579), S5851 [14JY]

Real estate: exempt qualified mortgages from credit risk retention requirements based on asset class and type of loan, S3590, S3591 [12MY]

———exempt qualified residential mortgages from credit risk retention requirements, S3575, S3576, S3591 [12MY], S10441 [17DE]

SBA: allow aquaculture business disaster assistance loans, S7440 [24SE]

———defer payments of principal and interest on disaster loans relative to Deepwater Horizon oil spill, S4201 [25MY]

———extend and expand certified development company/504 loan program, S5674 [30JN]

———extend programs, S787 [25FE]

———extend Small Business Loan Guarantee Program, S5954 [15JY]

———give priority to businesses impacted by Deepwater Horizon oil spill when waiving interest payments on certain loans relative to damage caused by certain recent hurricanes, S4200 [25MY]

———increase loan limits and provide for low-interest refinancing for small businesses (S. 2869), S1639, S1642 [17MR]

———permit use of previously appropriated funds to extend Small Business Loan Guarantee Program (H.R. 4938), S2105 [25MR]

———waive interest for certain loans relative to damage caused by certain recent hurricanes, S5666 [30JN]

———waive interest for certain loans relative to damage caused by certain recent hurricanes (S. 2986), S485 [4FE]

SEC: clarify definition of ``accredited investor'' to facilitate access by small businesses to capital, S3812-S3814, S3817 [17MY], S4063, S4064 [20MY]

———set standards and exercise oversight of credit rating agency procedures, S3682 [13MY]

Securities: comprehensively regulate derivatives markets to increase transparency and reduce risks in the financial system, S2497, S2500 [21AP], S2698 [27AP], S2776 [29AP], S3067 [4MY], S5905, S5906 [15JY]

———direct the SEC and the CFTC to determine if stable value funds and wrap contracts should be treated as swaps, S5906 [15JY]

———prohibit Federal assistance to bailout swap dealers and major swap participants, S3140 [5MY], S4192 [25MY], S5886 [15JY]

———regulate over-the-counter derivatives markets and improve market transparency, S3595-S3610 [12MY], S3953, S3966 [19MY], S4042 [20MY], S5890 [15JY]

———study imposition of a transaction fee on all security-based transactions, S3587 [12MY]

Senate: tribute to congressional staff who worked on H.R. 4173, Restoring American Financial Stability Act, S4139 [24MY]

———tribute to congressional staff who worked on H.R. 4173, Wall Street Reform and Consumer Protection Act, S5828, S5835 [14JY], S5932 [15JY]

———tribute to congressional staff who worked on H.R. 4872, Health Care and Education Reconciliation Act, S2203 [12AP]

Small business: help to create new jobs and drive economic recovery, S1639-S1643 [17MR]

———reform usury rates on credit cards issued to small businesses, S1642 [17MR]

Small Business Act: extend programs (H.R. 4508), S351 [28JA]

———extend programs (S. 3253), S2573 [22AP]

———extend programs (S. 3839), S7452 [24SE]

Small Business Investment Act: extend programs (H.R. 4508), S351 [28JA]

———extend programs (S. 3253), S2573 [22AP]

———extend programs (S. 3839), S7452 [24SE]

States: empower States to set the maximum annual percentage rates applicable to consumer credit transactions, S3075, S3076 [4MY], S3402 [7MY]

Truth in Lending Act: establish additional protections for consumers with regard to payday loans, S3873 [18MY]

Reports filed

Accountability and Transparency in Rating Agencies Act: Committee on Financial Services (House) (H.R. 3890) (H. Rept. 111-685), H8597 [16DE]

Consideration of Conference Report on H.R. 4173, Wall Street Reform and Consumer Protection Act: Committee on Rules (House) (H. Res. 1490) (H. Rept. 111-518), H5302 [30JN]

Consideration of H.R. 3590, Patient Protection and Affordable Care Act and H.R. 4872, Reconciliation Act: Committee on Rules (House) (H. Res. 1203) (H. Rept. 111-448), H1817 [20MR]

Consideration of H.R. 5072, FHA Reform Act: Committee on Rules (House) (H. Res. 1424) (H. Rept. 111-503), H4246 [8JN]

Consideration of H.R. 5297, Small Business Lending Fund Act: Committee on Rules (House) (H. Res. 1436) (H. Rept. 111-506), H4424 [14JN]

———Committee on Rules (House) (H. Res. 1448) (H. Rept. 111-508), H4596 [16JN]

Consideration of Senate Amendment to H.R. 5297, Small Business Jobs Act: Committee on Rules (House) (H. Res. 1640) (H. Rept. 111-621), H6878 [22SE]

Consideration of Senate Amendments to H.R. 4872, Health Care and Education Reconciliation Act: Committee on Rules (House) (H. Res. 1225) (H. Rept. 111-458), H2456 [25MR]

FHA Reform Act: Committee on Financial Services (House) (H.R. 5072) (H. Rept. 111-476), H3272 [6MY]

Helping Heroes Keep Their Homes Act: Committee on Veterans' Affairs (House) (H.R. 3976) (H. Rept. 111-451), H2215 [22MR]

Medical Debt Relief Act: Committee on Financial Services (House) (H.R. 3421) (H. Rept. 111-629), H7152, H7210 [28SE]

Reconciliation Act: Committee on the Budget (House) (H.R. 4872) (H. Rept. 111-443), H1595 [17MR]

Same-Day Consideration of Resolutions Allowing Consideration of Certain Legislation: Committee on Rules (House) (H. Res. 1487) (H. Rept. 111-516), H4973, H5202 [29JN]

Small Business Job Creation and Access to Capital Act: Committee on Small Business and Entrepreneurship (Senate) (S. 2869) (S. Rept. 111-342), S7786 [29SE]

Small Business Lending Fund Act: Committee on Financial Services (House) (H.R. 5297) (H. Rept. 111-499), H4021, H4082 [27MY]

Wall Street Reform and Consumer Protection Act: Committee of Conference (H.R. 4173) (H. Rept. 111-517), H4973, H5202 [29JN]

Rulings of the Chair

Statements

Derivatives Regulation Legislation: FRS, S3069 [4MY]

Regulate Over-the-Counter Derivatives Markets and Improve Market Transparency: Senator Lincoln, S5920-S5925 [15JY]

Small Business Jobs Act Amendment Process: Senator Reid, S6466 [29JY]

Summaries

Accomplishments of the 111th Congress, E2250 [22DE]

Bankruptcy Technical Corrections Act (H.R. 6198), H7159-H7161 [28SE], E1973 [18NO]

Tables

Budget aggregates, H2172 [21MR]

Mandatory GAO reports and studies required by the Dodd-Frank Wall Street Reform and Consumer Protection Act, E1653 [15SE]

Pay-as-you-go effects of H.R. 3421, Medical Debt Relief Act, H7148, H7205 [28SE]

Pay-as-you-go effects of H.R. 3506, Eliminate Privacy Notice Confusion Act, H2576 [14AP]

Pay-as-you-go effects of H.R. 5297, Small Business Jobs Act, S7150 [16SE]

Pay-as-you-go effects of H.R. 5297, Small Business Jobs and Credit Act, H4633 [17JN]

Pay-as-you-go effects of H.R. 5872, General and Special Risk Insurance Funds Availability Act, H6281 [28JY]

Revised allocation of spending authority to Committee on Education and Labor (House), Committee on Energy and Commerce (House), and Committee on Ways and Means (House), H2172 [21MR]

Small Business Jobs Act sections and sponsors, S6467-S6470 [29JY]

Texts of

H. Res. 1203, consideration of H.R. 3590, Patient Protection and Affordable Care Act and H.R. 4872, Health Care and Education Reconciliation Act, H1824 [21MR]

H. Res. 1225, consideration of Senate amendments to H.R. 4872, Health Care and Education Reconciliation Act, H2418 [25MR]

H. Res. 1257, support goals and ideals of Financial Literacy Month, H2656 [20AP]

H. Res. 1424, consideration of H.R. 5072, FHA Reform Act, H4277 [9JN]

H. Res. 1436, consideration of H.R. 5486, Small Business Jobs Tax Relief Act and H.R. 5297, Small Business Lending Fund Act, H4447 [15JN]

H. Res. 1448, consideration of H.R. 5297, Small Business Lending Fund Act, H4602 [17JN]

H. Res. 1487, same-day consideration of resolutions allowing consideration of certain legislation, H5212 [30JN]

H. Res. 1490, consideration of conference report on H.R. 4173, Wall Street Reform and Consumer Protection Act, H5223 [30JN]

H. Res. 1640, consideration of Senate amendment to H.R. 5297, Small Business Jobs Act, H6886 [23SE]

H.R. 3421, Medical Debt Relief Act, H7079 [28SE]

H.R. 3506, Eliminate Privacy Notice Confusion Act, H2513 [14AP]

H.R. 3976, Helping Heroes Keep Their Homes Act, H2183 [22MR]

H.R. 4173, Restoring American Financial Stability Act, S4239-S4394 [25MY]

H.R. 4508, Small Business Act and Small Business Investment Act programs extension, H400 [27JA]

H.R. 4872, Health Care and Education Reconciliation Act, H2153-H2167 [21MR]

H.R. 4938, permit use of previously appropriated funds to extend SBA Small Business Loan Guarantee Program, H2414 [25MR]

H.R. 5072, FHA Reform Act, H4343-H4345 [10JN]

H.R. 5297, Small Business Jobs Act, H6905-H6930 [23SE]

H.R. 5458, Student Loan Protection Act, H7078 [28SE]

H.R. 5502, amend effective date of Credit Card Accountability Responsibility and Disclosure (Credit CARD) Act provisions relative to gift certificates, store gift cards, and other general use prepaid cards, H4394 [14JN]

H.R. 5551, require Dept. of the Treasury to make a certification when making purchases under the Small Business Lending Fund Program, H4682 [23JN]

H.R. 5872, General and Special Risk Insurance Funds Availability Act, H6249 [28JY]

H.R. 6191, include certain construction and land development loans in the definition of small business lending, H7081 [28SE]

H.R. 6198, Bankruptcy Technical Corrections Act, H7158 [28SE]

S. 846, award Congressional Gold Medal to Muhammad Yunus, H6960 [23SE]

S. 2986, Southeast Hurricanes Small Business Disaster Relief Act, S486 [4FE]

S. 3005, National Institute of Finance Act, S497-S500 [4FE]

S. 3161, Mortgage Modification Reform Act, S2025 [24MR]

S. 3219, Fairness for Struggling Students Act, S2388 [15AP]

S. 3253, Small Business Act and Small Business Investment Act programs extension, S2573 [22AP], H2895 [27AP]

S. 3419, Medical Debt Relief Act, S4221 [25MY]

S. 3420, Protecting Against Indebting Our Descendants Through Fully Offset Relief (PAID FOR) Temporary Extension Act, S4221 [25MY]

S. 3421, Protecting Against Indebting Our Descendants Through Fully Offset Relief (PAID FOR) Temporary Extension Act, S4222 [25MY]

S. 3579, Data Security Act, S5851-S5853 [14JY]

S. 3839, Small Business Act and Small Business Investment Act programs extension, S7452 [24SE], H7090 [28SE]

S. 3888, End Debt Collector Abuse Act, S7802 [29SE]

S. 3987, Red Flag Program Clarification Act, S8289 [30NO], H8059 [7DE]

S. 4058, Helping Heroes Keep Their Homes Act, S10990 [22DE], H8980 [22DE]

S. Res. 485, Financial Literacy Month, S2389, S2393 [15AP]

S. Res. 545, Committee on Homeland Security and Governmental Affairs (Senate) Permanent Subcommittee on Investigations release of records on the financial crisis, S4556, S4560 [27MY]

Transcripts

Commercial Real Estate Markets Hearing: Representative Calvert With Sec. of the Treasury Geithner, H3181 [5MY]