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 Collection: Congressional Research Service Reports
Financial Market Turmoil and U.S. Macroeconomic Performance

Financial Market Turmoil and U.S. Macroeconomic Performance

Date: June 9, 2009
Creator: Elwell, Craig K.
Description: 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.
Contributing Partner: UNT Libraries Government Documents Department
Financial Regulatory Reform: Analysis of the Consumer Financial Protection Agency (CFPA) as Proposed by the Obama Administration and H.R. 3126

Financial Regulatory Reform: Analysis of the Consumer Financial Protection Agency (CFPA) as Proposed by the Obama Administration and H.R. 3126

Date: July 17, 2009
Creator: Carpenter, David H. & Jickling, Mark
Description: 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.
Contributing Partner: UNT Libraries Government Documents Department
The Emergency Economic Stabilization Act's Insurance for Troubled Assets

The Emergency Economic Stabilization Act's Insurance for Troubled Assets

Date: October 8, 2008
Creator: Webel, Baird
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 enacted version of the EESA.
Contributing Partner: UNT Libraries Government Documents Department
Credit Default Swaps: Frequently Asked Questions

Credit Default Swaps: Frequently Asked Questions

Date: July 30, 2008
Creator: Murphy, Edward Vincent
Description: 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.
Contributing Partner: UNT Libraries Government Documents Department
The FDA 2009 Budget Request

The FDA 2009 Budget Request

Date: May 19, 2008
Creator: Johnson, Judith A.; Lister, Sarah A.; Porter, Donna V.; Smith, Pamela W.; Thaul, Susan & Williams, Erin D.
Description: 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.
Contributing Partner: UNT Libraries Government Documents Department
Health and Safety Concerns Over U.S. Imports of Chinese Products: An Overview

Health and Safety Concerns Over U.S. Imports of Chinese Products: An Overview

Date: October 17, 2008
Creator: Morrison, Wayne M.
Description: 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.
Contributing Partner: UNT Libraries Government Documents Department
Health and Safety Concerns Over U.S. Imports of Chinese Products: An Overview

Health and Safety Concerns Over U.S. Imports of Chinese Products: An Overview

Date: September 22, 2008
Creator: Morrison, Wayne M.
Description: 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.
Contributing Partner: UNT Libraries Government Documents Department
Health and Safety Concerns Over U.S. Imports of Chinese Products: An Overview

Health and Safety Concerns Over U.S. Imports of Chinese Products: An Overview

Date: May 8, 2008
Creator: Morrison, Wayne M.
Description: 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.
Contributing Partner: UNT Libraries Government Documents Department
Health and Safety Concerns Over U.S. Imports of Chinese Products: An Overview

Health and Safety Concerns Over U.S. Imports of Chinese Products: An Overview

Date: July 29, 2008
Creator: Morrison, Wayne M.
Description: 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.
Contributing Partner: UNT Libraries Government Documents Department
Health and Safety Concerns Over U.S. Imports of Chinese Products: An Overview

Health and Safety Concerns Over U.S. Imports of Chinese Products: An Overview

Date: November 13, 2008
Creator: Morrison, Wayne M.
Description: 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.
Contributing Partner: UNT Libraries Government Documents Department
Increases in Tricare Costs: Background and Options for Congress

Increases in Tricare Costs: Background and Options for Congress

Date: May 6, 2008
Creator: Best, Jr., Richard A.
Description: 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.
Contributing Partner: UNT Libraries Government Documents Department
"Price Gouging," the Antitrust Laws, and Vertical Integration in the Petroleum Industry: How They Are Related

"Price Gouging," the Antitrust Laws, and Vertical Integration in the Petroleum Industry: How They Are Related

Date: May 28, 2008
Creator: unknown
Description: 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.
Contributing Partner: UNT Libraries Government Documents Department
Spyware: Background and Policy Issues for Congress

Spyware: Background and Policy Issues for Congress

Date: July 17, 2006
Creator: Figliola, Patricia Moloney
Description: 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.
Contributing Partner: UNT Libraries Government Documents Department
Urea-Formaldehyde Foam Insulation: Health Effects and Regulation

Urea-Formaldehyde Foam Insulation: Health Effects and Regulation

Date: December 12, 1983
Creator: Simpson, Michael M
Description: None
Contributing Partner: UNT Libraries Government Documents Department
U.S. Tobacco Production, Consumption, and Export Trends

U.S. Tobacco Production, Consumption, and Export Trends

Date: June 3, 2003
Creator: Womach, Jasper
Description: None
Contributing Partner: UNT Libraries Government Documents Department
Three Utility Financing Issues

Three Utility Financing Issues

Date: May 17, 1984
Creator: Morrison, Sylvia & Flaherty, Kevin
Description: None
Contributing Partner: UNT Libraries Government Documents Department
The Liability Insurance Crisis

The Liability Insurance Crisis

Date: June 1, 1987
Creator: Cohen, Henry & Whiteman, David
Description: This report discusses liability insurance crisis, including complaints from businesses, professionals , and municipalities as well threat of lawsuits.
Contributing Partner: UNT Libraries Government Documents Department
The Liability Insurance Controversy

The Liability Insurance Controversy

Date: May 1, 1987
Creator: Whiteman, David
Description: 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.
Contributing Partner: UNT Libraries Government Documents Department
Urea-Formaldehyde Foam Insulation: Health Effects and Regulation

Urea-Formaldehyde Foam Insulation: Health Effects and Regulation

Date: December 12, 1983
Creator: Simpson, Michael M
Description: None
Contributing Partner: UNT Libraries Government Documents Department
U.S. Tobacco Production, Consumption, and Export Trends

U.S. Tobacco Production, Consumption, and Export Trends

Date: June 3, 2003
Creator: Womach, Jasper
Description: None
Contributing Partner: UNT Libraries Government Documents Department
Three Utility Financing Issues

Three Utility Financing Issues

Date: May 17, 1984
Creator: Morrison, Sylvia & Flaherty, Kevin
Description: None
Contributing Partner: UNT Libraries Government Documents Department
The Liability Insurance Crisis

The Liability Insurance Crisis

Date: June 1, 1987
Creator: Cohen, Henry & Whiteman, David
Description: This report discusses liability insurance crisis, including complaints from businesses, professionals , and municipalities as well threat of lawsuits.
Contributing Partner: UNT Libraries Government Documents Department
The Liability Insurance Controversy

The Liability Insurance Controversy

Date: May 1, 1987
Creator: Whiteman, David
Description: 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.
Contributing Partner: UNT Libraries Government Documents Department
Spyware: Background and Policy Issues for Congress

Spyware: Background and Policy Issues for Congress

Date: July 17, 2006
Creator: Figliola, Patricia Moloney
Description: None
Contributing Partner: UNT Libraries Government Documents Department