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Credit & Finance
Everything from banking, bankruptcy, credit, credit cards, financial literacy, stocks, and securities; this category broadly covers financial information, specifically consumer credit, consumer wealth, and the policies and legislation built to promote and / or stabilize it.
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National Action
Free access to credit scores
Date: Thu, April 25, 2013
Legislation introduced in the U.S. House and Senate would give consumers free credit scores along with their free annual credit reports.
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National Legislation
S 114: Fairness for Struggling Students Act of 2013
Sponsor: Sen. Richard Durbin [D-IL] on 2013-01-23
http://www.govtrack.us/congress/bills/113/s114
Fairness for Struggling Students Act of 2013 - Revises federal bankruptcy law with respect to the exemption from the exception to discharge in bankruptcy for certain educational loans if excepting such debt from discharge would impose an undue hardship on the debtor and debtor's dependents.
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National Legislation
S 471: Fair Access to Credit Scores Act of 2013
Sponsor: Sen. Bernard “Bernie” Sanders [I-VT] on Mar 06, 2013
http://www.govtrack.us/congress/bills/113/s471
A bill 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. Consumer Action believes that consumers should receive a credit score along with their free annual credit reports.
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National Legislation
S 113: Know Before You Owe Private Student Loan Act of 2013
Sponsor: Sen. Richard Durbin [D-IL] on Jan 23, 2013
http://www.govtrack.us/congress/bills/113/s113
A bill to amend the Truth in Lending Act and the Higher Education Act of 1965 to require schools to counsel students before they sign on to expensive, even unnecessary, private student loan debt and inform them if they have any untapped federal loan eligibility.
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National Legislation
HR 645: Equal Employment for All Act
Sponsor: Rep. Steve Cohen [D-TN9] on Feb 13, 2013
http://www.govtrack.us/congress/bills/113/hr645
To amend the Fair Credit Reporting Act to prohibit the use of consumer credit checks against prospective and current employees for the purposes of making adverse employment decisions.
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National Legislation
HR 990: SAFE Lending Act of 2013
Sponsor: Suzanne Bonamici [D-OR1] on 2013-03-06
http://www.govtrack.us/congress/bills/113/hr990
H.R. 990: To amend the Truth in Lending Act. The bill gives consumers the right to cancel certain credit transactions that involve a lien on a consumer's principal dwelling, regulates certain credit card practices, and provides a means for fair and timely resolution of credit billing disputes. With the exception…
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National Legislation
HR 377: Paycheck Fairness Act
Sponsor: Rosa DeLauro [D-CT3] on 2013-01-23
http://www.govtrack.us/congress/bills/113/hr377
To amend the Fair Labor Standards Act of 1938 to provide more effective remedies to victims of discrimination in the payment of wages on the basis of sex, and for other purposes. Paycheck Fairness Act limits wage rate variation to factors including education, training, or experience. It makes employers…
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National Legislation
HR 2028: Private Student Loan Bankruptcy Fairness Act of 2011
Sponsor: Rep. Steve Cohen [D-TN9] on May 26, 2011
http://www.govtrack.us/congress/bills/112/hr2028
Private Student Loan Bankruptcy Fairness Act of 2011 - Amends the federal bankruptcy code, Title 11 of the United States Code, to remove qualified educational loans as an exception to discharge from bankruptcy.
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National Legislation
S 799: Commercial Privacy Bill of Rights Act of 2011
Sponsor: Sen. John Kerry [D-MA] on Apr 12, 2011
http://www.govtrack.us/congress/bills/112/s799
Commercial Privacy Bill of Rights Act of 2011 - Directs the Federal Trade Commission (FTC) to initiate a rulemaking requiring security measures to be carried out by any person (defined in this Act as a "covered entity") collecting, using, transferring, or storing certain personal information (defined in this Act…
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National Legislation
HR 3492: Federal Consumer Credit Card Protection Act of 2005
Sponsor: Rep. Bernard Sanders (Vermont) on
http://thomas.loc.gov/cgi-bin/query/z?c109:H.R.3492
The Consumer Credit Card Protection Act of 2005 would prohibit the practice known as universal default, in which credit card companies increase a cardholder's interest rate because of his or her record with OTHER creditors. (Card companies have access to cardholder's credit reports and credit scores, where they can…