Congressional Research Service Reports - 204 Matching Results

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Consumers and Food Price Inflation: The heightened commodity price volatility of 2008 and the subsequent acceleration in U.S. food price inflation raised concerns and generated many questions about farm and food price movements by Members of Congress and their constituents. This report responds to those concerns by addressing the nature and measurement of retail food price inflation.
Financial Regulatory Reform: Analysis of the Consumer Financial Protection Agency (CFPA) as Proposed by the Obama Administration and H.R. 3126: This report provides a brief summary of the Obama Administration's Consumer Financial Protection Agency Act of 2009 (CFPA) and delineates some of the substantive differences between it and H.R. 3126, as ordered to be reported by the House Financial Services Committee, as well as the version that was ordered to be reported by the House Energy and Commerce Committee.
Advertising Industry in the Digital Age: This report discusses regulatory challenges faced by policymakers as the advertising industry enters a period of far-reaching change brought about by the economic downturn and structural shifts as consumers move to the Internet and other digital platforms for news, entertainment, and socializing.
The Target and Other Financial Data Breaches: Frequently Asked Questions: This report answers some frequently asked questions about the Target and selected other data breaches, including what is known to have happened in the breach, and what costs may result. It also examines some of the broader issues common to data breaches, including how the payment system works, how cybersecurity costs are shared and allocated within the payment system, who bears the losses in such breaches more generally, what emerging cybersecurity technologies may help prevent them, and what role the government could play in encouraging their adoption. The report addresses policy issues that were discussed in the 113th Congress to deal with these issues.
The Dodd-Frank Wall Street Reform and Consumer Protection Act: Titles III and VI, Regulation of Depository Institutions and Depository Institution Holding Companies: This report discusses Titles III and VI of the Dodd-Frank Act, which effectuate changes in the regulatory structure governing depository institutions and their holding companies and, thus, constitute a substantial component of the reform effort.
The Defense Production Act of 1950: History, Authorities, and Reauthorization: This report examines some of the history of the Defense Production Act of 1950 (DPA), focusing primarily on its creation and most recent legislative reauthorization. It also discusses the foremost active authorities of the DPA.
Health and Safety Concerns Over U.S. Imports of Chinese Products: An Overview: This report provides an overview of concerns about the health, safety, and quality of imported Chinese products, and implications for U.S.-China trade relations.
Inflation-Indexing Elements in Federal Entitlement Programs: This report identifies key indexing elements in major federal entitlement programs under current law and presents the information in a summary table. The report provides a brief description of the measures of consumer price change used to index various elements of these programs under current law, as well as the alternative measure of consumer price change (the Chained CPI-U) that has been proposed for computing Social Security cost-of-living-adjustments (COLAs) and making inflation adjustments to other federal programs.
The Defense Production Act of 1950: History, Authorities, and Reauthorization: This report examines some of the history of the Defense Production Act of 1950 (DPA), focusing primarily on its creation and most recent legislative reauthorization. It also discusses the foremost active authorities of the DPA.
The Chained Consumer Price Index: What Is It and Would It Be Appropriate for Cost-of-Living Adjustments?: This report provides technical and logistical information on how the Consumer Price Index for all Urban Consumers (C-CPI-U) is constructed and reported by the U.S. Bureau of Labor Statistics (BLS).
The Defense Production Act of 1950: History, Authorities, and Reauthorization: This report examines some of the history of the Defense Production Act of 1950 (DPA), focusing primarily on its creation and most recent legislative reauthorization. It also discusses the foremost active authorities of the DPA.
Policy Issues in the General Motors Vehicle Recall: This report discusses the National Highway Traffic Safety Administration (NHTSA) process by which vehicle safety defects are identified and vehicles are recalled, as well as the impact that the 2009 GM bankruptcy may have on liability for this defect.
The Defense Production Act of 1950: History, Authorities, and Reauthorization: This report examines some of the history of the Defense Production Act of 1950 (DPA), focusing primarily on its creation and most recent legislative reauthorization. It also discusses the foremost active authorities of the DPA.
The Consumer Financial Protection Bureau (CFPB): A Legal Analysis: This report provides an overview of the regulatory structure of consumer finance under existing federal law before the Dodd-Frank Act went into effect, and examines arguments for modifying the regime in order to more effectively regulate consumer financial markets. It then analyzes how the CFP Act changes the legal structure, with a focus on the Bureau's organization; the entities and activities that fall (and do not fall) under the Bureau's supervisory, enforcement, and rulemaking authorities; the Bureau's general and specific rulemaking powers and procedures; and the Bureau's funding.
The Consumer Product Safety Commission (CPSC) and International Trade: Legal Issues: This report examines the Consumer Product Safety Commission's (CPSC) role in regulating U.S. imported and exported consumer products. It also examines some of the international obligations that the United States has undertaken with respect to the promulgation of standards-related measures, such as mandatory consumer product safety regulations.
A Brief Overview of Actions Taken by the Consumer Financial Protection Bureau (CFPB) in Its First Year: Report that looks at actions taken by the Consumer Financial Protection Bureau (CFPB) during its first year. The CFPB exists to implement and enforce federal consumer financial laws, ensure consumer access to financial products and services, and ensure that the markets for consumer financial services and products are fair, transparent, and competitive.
Consumers and Food Price Inflation: This report is divided into five sections that cover the following: major economic concepts underlying consumer food behavior; descriptions how U.S. food price inflation rates have evolved since 1915, when federal price data collection for inflation-measuring purposes began; information on recent history and projections for U.S. food expenditure shares relative to total household budget; an examination of retail food price inflation; and a discussion on the impact that rapid food price inflation can have on government food programs and the more vulnerable consumer groups.
The Chained Consumer Price Index: What Is It and Would It Be Appropriate for Cost-of-Living Adjustments?: Report that provides technical and logistical information on how the Chained Consumer Price Index for all Urban Consumers (C-CPI-U) is constructed and reported by the U.S. Bureau of Labor Statistics (BLS). It explains methodological and statistical differences between the standard Consumer Price Index (CPI) and the C-CPI-U. It then addresses a key impediment to moving to the C-CPI-U.
The Dodd-Frank Wall Street Reform and Consumer Protection Act: Titles III and VI, Regulation of Depository Institutions and Depository Institution Holding Companies: This report discusses Titles III and VI of the Dodd-Frank Act, which effectuate changes in the regulatory structure governing depository institutions and their holding companies and, thus, constitute a substantial component of the reform effort.
Consumers and Food Price Inflation: This report is divided into five sections that cover the following: major economic concepts underlying consumer food behavior; descriptions how U.S. food price inflation rates have evolved since 1915, when federal price data collection for inflation-measuring purposes began; information on recent history and projections for U.S. food expenditure shares relative to total household budget; an examination of retail food price inflation; and a discussion on the impact that rapid food price inflation can have on government food programs and the more vulnerable consumer groups.
A Brief Overview of Actions Taken by the Consumer Financial Protection Bureau (CFPB) in Its First Year: This report looks at actions taken by the Consumer Financial Protection Bureau (CFPB) during its first year. The CFPB exists to implement and enforce federal consumer financial laws, ensure consumer access to financial products and services, and ensure that the markets for consumer financial services and products are fair, transparent, and competitive.
Food Safety in the 111th Congress: H.R. 2749 and S. 510: This report discusses whether the current food safety system has the resources, authority, and structural organization to safeguard the health of American consumers, who spend more than $1 trillion on food each year. Also at issue is whether federal food safety laws, first enacted in the early 1900s, have kept pace with the significant changes that have occurred in the food production, processing, and marketing sectors since then.
Food Safety in the 111th Congress: H.R. 2749 and S. 510: This report discusses whether the current food safety system has the resources, authority, and structural organization to safeguard the health of American consumers, who spend more than $1 trillion on food each year. Also at issue is whether federal food safety laws, first enacted in the early 1900s, have kept pace with the significant changes that have occurred in the food production, processing, and marketing sectors since then.
Food Safety in the 111th Congress: This report discusses whether the current food safety system has the resources, authority, and structural organization to safeguard the health of American consumers, who spend more than $1 trillion on food each year. Also at issue is whether federal food safety laws, first enacted in the early 1900s, have kept pace with the significant changes that have occurred in the food production, processing, and marketing sectors since then.
Food Safety in the 111th Congress: H.R. 2749 and S. 510: This report discusses whether the current food safety system has the resources, authority, and structural organization to safeguard the health of American consumers, who spend more than $1 trillion on food each year. Also at issue is whether federal food safety laws, first enacted in the early 1900s, have kept pace with the significant changes that have occurred in the food production, processing, and marketing sectors since then.
Food Safety in the 111th Congress: H.R. 2749 and S. 510: This report discusses whether the current food safety system has the resources, authority, and structural organization to safeguard the health of American consumers, who spend more than $1 trillion on food each year. Also at issue is whether federal food safety laws, first enacted in the early 1900s, have kept pace with the significant changes that have occurred in the food production, processing, and marketing sectors since then.
Financial Regulatory Reform: Analysis of the Consumer Financial Protection Agency (CFPA) as Proposed by the Obama Administration and H.R. 3126: This report provides a brief summary of the President's Consumer Financial Protection Agency Act of 2009 (the CPFA Act or the Act) and delineates some of the substantive differences between it and H.R. 3126, as introduced. It then analyzes some of the policy implications of the proposal, focusing on the separation of safety and soundness regulation from consumer protection, financial innovation, and the scope of regulation. The report then raises some questions regarding state law preemption, sources of funding, and rule-making procedures that the Act does not fully answer.
Financial Market Turmoil and U.S. Macroeconomic Performance: Lending in credit markets requires confidence in the borrowers' ability to repay the debt (principal and interest) in full and on schedule. The current turmoil in U.S. financial markets is the result of a breakdown in that necessary confidence. A number of indicators have pointed to a substantial rise in the cost of credit and a decrease in the flow of credit to the broader economy. Economic policy may be needed to get credit flowing smoothly again and to mitigate the damage incurred by households and non-financial businesses. Three types of policy response exist and are being applied in varying degrees. This report discusses each of these policy responses.
The Emergency Economic Stabilization Act's Insurance for Troubled Assets: 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 enacted version of the EESA.
Credit Default Swaps: Frequently Asked Questions: 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.
The FDA 2009 Budget Request: The Administration's FY2009 budget request of $2.4 billion for the Food and Drug Administration (FDA) would provide a 5.7% increase ($130 million) over FY2008. User fees would make up about 26% of the total amount requested and would account for 61% of the proposed increase. Budget documents indicate that the additional funding would provide for expanded activities to ensure the safety of foods and drugs, as well as to accelerate the availability of new medical products. About half of the requested increase would be used for cost-of-living pay increases, as opposed to new program activities.
Health and Safety Concerns Over U.S. Imports of Chinese Products: An Overview: China is a major source of U.S. imports of consumer products (such as toys) and an increasingly important supplier of various food products. Reports of unsafe seafood, pet food, toys, tires, and other products imported from China over the past year or so have raised concern in the United States over the health, safety, and quality of imported Chinese products. This report provides an overview of this issue and implications for U.S.-China trade relations.
Health and Safety Concerns Over U.S. Imports of Chinese Products: An Overview: China is a major source of U.S. imports of consumer products (such as toys) and an increasingly important supplier of various food products. Reports of unsafe seafood, pet food, toys, tires, and other products imported from China over the past year or so have raised concern in the United States over the health, safety, and quality of imported Chinese products. This report provides an overview of this issue and implications for U.S.-China trade relations.
Health and Safety Concerns Over U.S. Imports of Chinese Products: An Overview: China is a major source of U.S. imports of consumer products (such as toys) and an increasingly important supplier of various food products. Reports of unsafe seafood, pet food, toys, tires, and other products imported from China over the past year or so have raised concern in the United States over the health, safety, and quality of imported Chinese products. This report provides an overview of this issue and implications for U.S.-China trade relations.
Health and Safety Concerns Over U.S. Imports of Chinese Products: An Overview: China is a major source of U.S. imports of consumer products (such as toys) and an increasingly important supplier of various food products. Reports of unsafe seafood, pet food, toys, tires, and other products imported from China over the past year or so have raised concern in the United States over the health, safety, and quality of imported Chinese products. This report provides an overview of this issue and implications for U.S.-China trade relations.
Health and Safety Concerns Over U.S. Imports of Chinese Products: An Overview: China is a major source of U.S. imports of consumer products (such as toys) and an increasingly important supplier of various food products. Reports of unsafe seafood, pet food, toys, tires, and other products imported from China over the past year or so have raised concern in the United States over the health, safety, and quality of imported Chinese products. This report provides an overview of this issue and implications for U.S.-China trade relations.
Increases in Tricare Costs: Background and Options for Congress: In its FY2007 budget submission, the Department of Defense (DOD) proposed increases in Tricare enrollment fees, deductibles, and pharmacy co-payments for retired beneficiaries not yet eligible for Medicare. The raises were justified by DOD as necessary to constrain the growth of health care spending as a proportion of the overall defense budget in the next decade. Many beneficiaries argued that the proposed hikes were unfair and unnecessary. The FY2007 Defense Authorization Act prohibited increases in premiums, deductibles, and co-payments prior to September 30, 2007. The FY2008 National Defense Authoriztion Act extended the prohibition of increases in co-payments and enrollment fees until October 2008 and Congress may move to extend them further.
"Price Gouging," the Antitrust Laws, and Vertical Integration in the Petroleum Industry: How They Are Related: This report, which may be updated to further reflect congressional action, attempts to provide the antitrust context for prohibited practices, such as "price gouging"; notes prior congressional action concerning vertical divestiture in the petroleum industry; and provides information on the state "divorcement" statutes.
Spyware: Background and Policy Issues for Congress: The term "spyware" is not well defined. Generally, it is used to refer to any software that is downloaded onto a person's computer without their knowledge. Spyware may collect information about a computer user's activities and transmit their information to someone else. Most spyware is installed surreptitiously, and most users are therefore unaware that spyware exists on their computers. A central point of the spyware debate in Congress is whether new laws are needed, or if industry self-regulation, coupled with enforcement actions under existing laws, such as the Trade Commission Act, is sufficient.
Urea-Formaldehyde Foam Insulation: Health Effects and Regulation: No Description Available.
U.S. Tobacco Production, Consumption, and Export Trends: No Description Available.
Three Utility Financing Issues: No Description Available.
The Liability Insurance Crisis: This report discusses liability insurance crisis, including complaints from businesses, professionals , and municipalities as well threat of lawsuits.
The Liability Insurance Controversy: This report discusses liability insurance, as the primary method of managing business related risks that has been recognized as one of the foundations of American commerce.
Urea-Formaldehyde Foam Insulation: Health Effects and Regulation: No Description Available.
U.S. Tobacco Production, Consumption, and Export Trends: No Description Available.
Three Utility Financing Issues: No Description Available.
The Liability Insurance Crisis: This report discusses liability insurance crisis, including complaints from businesses, professionals , and municipalities as well threat of lawsuits.
The Liability Insurance Controversy: This report discusses liability insurance, as the primary method of managing business related risks that has been recognized as one of the foundations of American comnerce.
Spyware: Background and Policy Issues for Congress: The term “spyware” is not well defined. Generally, it is used to refer to any software that is downloaded onto a person’s computer without their knowledge. Spyware may collect information about a computer user’s activities and transmit that information to someone else. It may change computer settings, or cause “pop-up” advertisements to appear (in that context, it is called “adware”). Spyware may redirect a Web browser to a site different from what the user intended to visit or change the user’s home page. A type of spyware called “keylogging” software records individual keystrokes, even if the author modifies or deletes what was written, or if the characters do not appear on the monitor. Thus, passwords, credit card numbers, and other personally identifiable information may be captured and relayed to unauthorized recipients.

Congressional Research Service Reports - 204 Matching Results

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