Congressional Research Service Reports - 146 Matching Results

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Credit Card Minimum Payments

Description: Recently, credit card issuers began adjusting their minimum payment formulas, raising the amount of the required monthly payment. Congress has focused on the need to increase consumer awareness of the financial jeopardy that can result from paying only the required minimum. This report provides an overview of the issues and congressional action. It will be updated as events warrant.
Date: December 21, 2005
Creator: Smale, Pauline
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Identity Theft: The Internet Connection

Description: Concern is growing about identity theft — where one person assumes the identity of another by stealing personally identifiable information (PII), such as credit card or Social Security numbers. High profile incidents disclosed in early 2005 involving ChoicePoint, Bank of America, and LexisNexis, where the PII of more than a million Americans may have been compromised, have refocused congressional attention on this issue. Many associate the rise in identity theft cases with the Internet, but sur… more
Date: March 16, 2005
Creator: Smith, Marcia S.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Wireless Privacy and Spam: Issues for Congress

Description: Wireless communications devices such as cell phones and personal digital assistants (PDAs) are ubiquitous. Some consumers, already deluged with unwanted commercial messages, or “spam,” via computers that access the Internet by traditional wireline connections, are concerned that such unsolicited advertising is expanding to wireless communications, further eroding their privacy. Congress continues to debate how to protect wireless subscribers further, and several bills were considered in the 108… more
Date: December 22, 2004
Creator: Smith, Marcia S.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Data Security: Protecting the Privacy of Phone Records

Description: This report discusses recent legislative and regulatory efforts to protect the privacy of customer telephone records, and efforts to prevent the unauthorized use, disclosure, or sale of such records by data brokers. In addition, it provides a brief overview of the confidentiality protections for customer information established by the Communications Act of 1934.
Date: February 28, 2006
Creator: Stevens, Gina Marie & Rainson, Tara Alexandra
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Data Security: Protecting the Privacy of Phone Records

Description: This report discusses recent legislative and regulatory efforts to protect the privacy of customer telephone records, and efforts to prevent the unauthorized use, disclosure, or sale of such records by data brokers. In addition, it provides a brief overview of the confidentiality protections for customer information established by the Communications Act of 1934.
Date: May 17, 2006
Creator: Stevens, Gina Marie & Rainson, Tara Alexandra
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Farm Product "Check-Off" Programs: A Constitutional Analysis

Description: This report begins with a brief introduction to check-off programs and then describes many of the First Amendment principles that have been discussed in checkoff cases. Next is an analysis of the first two challenges that reached the Supreme Court, as well as a brief discussion of subsequent lower court decisions. This report concludes with a discussion of Johanns v. Livestock Marketing Association and its possible implications for check-off programs.
Date: June 21, 2005
Creator: Vina, Stephen R
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Class Actions and Proposed Reform in the 107th Congress: Class Action Fairness Act of 2002

Description: This report discusses the Class Action Fairness Act of 2002. The bill reflects a preference for class actions to be adjudicated in federal courts and would enlarge U.S. district courts original jurisdiction over class actions with claims aggregating $2,000,000 or more (even if each of the members of the class had not sustained damages in excess of $75,000 as is now required).
Date: March 12, 2002
Creator: Wallace, Paul Starett, Jr.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Class Actions and Proposed Reform in the 108th Congress: Class Action Fairness Act of 2003

Description: The report discusses the consumer class action bill of rights in each proposal contains safeguards which provide for judicial scrutiny of coupon and other non-cash settlements, protection against a proposed settlement that would result in a net loss to a class member, protection against discrimination based upon geographic location, and prohibition on a class representative receiving a greater share of the award.
Date: June 23, 2003
Creator: Wallace, Paul Starett, Jr.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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The Emergency Economic Stabilization Act's Insurance for Troubled Assets

Description: Many observers trace the root cause of recent instability in financial markets to uncertainty surrounding the value of widely held securities that are based on mortgages and mortgage-related assets. The introduction of the Emergency Economic Stabilization Act of 2008 (EESA) was designed to address said financial instability through a variety of measures, including an insurance program for "troubled assets." This report briefly summarizes and analyzes the insurance program contained in the enact… more
Date: October 8, 2008
Creator: Webel, Baird
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Fair Credit Reporting Act: Preemption of State Law

Description: As financial privacy issues are debated in Congress, numerous questions about the Fair Credit Reporting Act (FCRA) have emerged. Enacted in 1970, the Fair Credit Reporting Act is the federal statute that establishes a regulatory framework for credit reporting in the United States and establishes a consumer’s rights with respect to his or her credit report. This report attempts to answer frequently asked questions about the Fair Credit Reporting Act.
Date: August 28, 2003
Creator: Welborn, Angie A.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Identity Theft and the Fair Credit Reporting Act: An Analysis of

Description: This report provides information about An Analysis of on Identity Theft and the Fair Credit Reporting Act. This report will provide a brief summary of the fair credit reporting act provisions in question, as well as an analysis of the recent supreme court decisions.
Date: February 27, 2003
Creator: Welborn, Angie A.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Identity Theft and the Fair Credit Reporting Act: An Analysis of

Description: This report provides information about An Analysis of on Identity Theft and the Fair Credit Reporting Act. This report will provide a brief summary of the fair credit reporting act provisions in question, as well as an analysis of the recent supreme court decisions.
Date: March 21, 2003
Creator: Welborn, Angie A.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Identity Theft and the Fair Credit Reporting Act: An Analysis of

Description: This report provides information about An Analysis of on Identity Theft and the Fair Credit Reporting Act. This report will provide a brief summary of the fair credit reporting act provisions in question, as well as an analysis of the recent supreme court decisions.
Date: September 12, 2003
Creator: Welborn, Angie A.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Fair Credit Reporting Act: Frequently Asked Questions

Description: As financial privacy issues are debated in Congress, numerous questions about the Fair Credit Reporting Act (FCRA) have emerged. Enacted in 1970, the Fair Credit Reporting Act is the federal statute that establishes a regulatory framework for credit reporting in the United States and establishes a consumer’s rights with respect to his or her credit report. This report attempts to answer frequently asked questions about the Fair Credit Reporting Act.
Date: August 28, 2003
Creator: Welborn, Angie A. & Nott, Loretta
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Fair Credit Reporting Act: Frequently Asked Questions

Description: As financial privacy issues are debated in Congress, numerous questions about the Fair Credit Reporting Act (FCRA) have emerged. Enacted in 1970, the Fair Credit Reporting Act is the federal statute that establishes a regulatory framework for credit reporting in the United States and establishes a consumer’s rights with respect to his or her credit report. This report attempts to answer frequently asked questions about the Fair Credit Reporting Act.
Date: September 15, 2003
Creator: Welborn, Angie A. & Nott, Loretta
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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