109th Congress (2004-2006)

House  |  Senate  |  CRL Congressional Testimony

House Legislation

Discussion Draft: Option One Bill
Not yet introduced
Full text: PDF

• CRL Brief: Option One Bill Would Roll Back Protections, Allow Abusive Lending to Continue

HR 1295: The Responsible Lending Act
Ney (R-OH), Kanjorski (D-PA)
Introduced 3/15/2005
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• State officials condemn the Ney-Kanjorski Bill
• 9/7/05 Press Event (MA, NJ, NM, NC)
• 12/1/05 Press Event (AR, IL, NY, SC)
• CRL Brief: Ney-Kanjorski Rolls Back Protections
• CRL Full Analysis: The Ney-Kanjorski Bill (pdf)
• Draft: Section-by-Section Analysis (pdf)
• Concerns of civil rights and consumer advocates

HR 1182: The Prohibit Predatory Lending Act
Miller (D-NC), Watt (D-NC), Frank (D-MA)
Introduced 3/9/2005
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• CRL Brief: Support HR 1182
• Press Statements in support of HR 1182
• Martin Eakes, CEO, Self-Help and CRL
• Nefertari McKoy, Borrower, Columbus Co NC
• Tom Miller, IA Attorney General
• Patricia Madrid, NM Attorney General
• Roy Cooper, NC Attorney General

HR 3449: Consumer Overdraft Protection Fair Practices Act
Maloney (D-NY)
Introduced 7/26/2005
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• CRL Brief: Support HR 3449
• Letter: In support of HR 3492 and HR 3449: CFA, CRL, Consumers Union, and US PIRG (pdf)

HR 3492: Consumer Credit Card Protection Act of 2005
Sanders (I-VT)
Introduced 7/26/2005
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• Letter: In support of HR 3492 and HR 3449: CFA, CRL, Consumers Union, and US PIRG (pdf)

HR 3426: Preservation of Federalism in Banking Act (see S 1502)
Gutierrez (D-IL)
Introduced 7/26/2005
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HR 969: Taxpayer Abuse Prevention Act (see S 324)
Schakowsky (D-IL)
Introduced 2/17/2005
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Senate Legislation

SA 4331: Consumer credit for service members
Amends S2766/HR 5221 (Defense Authorization Bill)
Talent (R-MO) and Nelson (D-FL)
Passed 9/30/2006
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• Press Release: Congress Protects Our Nation's Military from Predatory Lenders
• Press Release: Groups Urge Congress to Protect Military Families from Payday Lenders
• Letter: In support of SA 4331: Consumer Groups (pdf)
• Letter: In support of SA 4331: Military Coalition (pdf)

S 1502: Preservation of Federalism in Banking Act
Corzine (D-NJ)
Introduced 7/26/2005
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S 1347: Low-Cost Alternatives to Payday Loans Act
Akaka (D-HI)
Introduced 6/30/2005
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S 324: Taxpayer Abuse Prevention Act (see HR 969)
Akaka (D-HI)
Introduced 2/9/2005
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