This report provides background information on the consumer data industry and various specialty areas. One prominent specialty area--consumer scoring--is explained and includes information about various factors used to calculate credit scores. It provides a general description of the current regulatory framework of the consumer data industry. Finally, this report discusses selected policy issues pertaining to credit scoring and proposed modifications that may result in expanded consumer protection and credit access.
How to prevent the non-medical use of dependency-producing drugs has been a public policy concern for at least a century. A large part of the responsibility for controlling such substances has been assumed by the Federal Government. Historically based on decision to restrict availability through a system of close regulation, including selective prohibition, the current Federal anti-drugs strategy lives on activities and programs in five major areas: 1) regulation and other “enforcement” efforts; 2) support for international control and for control efforts of individual drug-producing and drug-transiting countries; 3) education and other prevention activities; 4 ) treatment and rehabilitation for drug-dependent persons; and ( 5 ) research on drugs , drug dependency, and prevention and treatment methods.
This report examines two provisions in the Conference Report on the Bankruptcy Abuse Prevention and Consumer Protection Act of 2002, H.R. 107-617, 107th Cong., 2d Sess. (2002): the homestead exemption and dischargeability of liability for abortion clinic violence.
Credit default swaps are contracts that provide protection against default by third parties, similar to insurance. These financial derivatives are used by banks and other financial institutions to manage risk. The rapid growth of the derivatives market, the potential for widespread credit defaults (such as defaults for subprime mortgages), and operational problems in the over-the-counter (OTC) market where credit default swaps are traded, have led some policymakers to inquire if credit default swaps are a danger to the financial system and the economy. This report defines credit default swaps, explains their use by banks for risk management, and discusses the potential for systemic risk.
This report provides summaries of the federal laws and regulations particular to telemarketing, the establishment of a national do-not-call registry, and the options that are available to consumers to limit the calls that they receive from telemarketers and to report questionable telemarketing practices to local or federal authorities. The report also lists sources of additional information with addresses, phone numbers, and Internet sites (if available).
This report provides summaries of the federal laws and regulations particular to telemarketing, the establishment of a national do-not-call registry, and the options that are available to consumers to limit the calls that they receive from telemarketers and to report questionable telemarketing practices to local or federal authorities. The report also lists sources of additional information with addresses, phone numbers, and Internet sites (if available).
This report provides summaries of the federal laws and regulations particular to telemarketing, the establishment of a national do-not-call registry, and the options that are available to consumers to limit the calls that they receive from telemarketers and to report questionable telemarketing practices to local or federal authorities. The report also lists sources of additional information with addresses, phone numbers, and Internet sites (if available).
This report describes the Proposed Legislative Changes Affecting Pharmaceutical Patents on Hatch-Waxman Act. The Hatch-Waxman Act provides the FDA with certain authorities to offer periods of marketing for a pharmaceutical independent of the rights conferred by patents.
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