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 Decade: 2010-2019
 Collection: Congressional Research Service Reports
Social Security: What Would Happen If the Trust Funds Ran Out?
This report explains what the Social Security trust funds are and how they work. It describes the historical operations of the trust funds and the Social Security trustees' projections of future operations. It explains what could happen if Congress allowed the trust funds to run out. It also analyzes two scenarios that assume Congress waits until the moment of insolvency to act, showing the magnitude of benefit cuts or tax increases needed and how such changes would affect beneficiaries. digital.library.unt.edu/ark:/67531/metadc463289/
The Paris Club and International Debt Relief
This report discusses the Paris Club, a voluntary, informal group of creditor nations who meet approximately 10 times per year and provide debt relief to developing countries. Members of the Paris Club agree to renegotiate and/or reduce official debt owed to them on a case-by-case basis. digital.library.unt.edu/ark:/67531/metadc272123/
Preserving Homeownership: Foreclosure Prevention Initiatives
This report describes the consequences of foreclosure on homeowners, outlines recent foreclosure prevention plans implemented by the government and private organizations, and discusses the challenges associated with foreclosure prevention. digital.library.unt.edu/ark:/67531/metadc271994/
What Is Systemic Risk? Does It Apply to Recent JP Morgan Losses?
Systemic risk refers to the possibility that the financial system as a whole might become unstable, rather than the health of individual market participants. Stable financial systems do not transmit or magnify shocks to the broader economy. A firm, person, government, financial utility, or policy might create systemic risk if (1) its failure causes other failures in a domino effect; (2) news about its assets signals that others with similar assets may also be distressed, called contagion; (3) it contributes to fire sales during price declines; or (4) its absence prevents other firms from using an essential service, called critical functions. This report discusses how systemic risk may apply to JP Morgan's recent losses. digital.library.unt.edu/ark:/67531/metadc87231/
Reauthorization of the Export-Import Bank: Issues and Policy Options for Congress
This report provides background information and potential issues and options for Congress relating to the reauthorization of Ex-Im Bank. The scope of this report is limited to Ex-Im Bank reauthorization issues. digital.library.unt.edu/ark:/67531/metadc87181/
A Securities Transactions Tax: Brief Analytic Overview with Revenue Estimates
This report briefly discusses recent STT (Securities Transactions Tax) proposals, summarizes the possible effects on financial market volatility and speculation, and provides estimates of the potential revenue effects. digital.library.unt.edu/ark:/67531/metadc86587/
Federal Climate Change Funding from FY2008 to FY2014
This report summarizes direct federal funding identified as climate change-related from FY2008 enacted funding through FY2013 and the FY2014 request (as well as a less consistent series beginning with FY2001). It reports the Administration's estimates of tax revenues not received due to energy tax provisions that may reduce GHG emissions. The report briefly identifies the programs and funding levels, as well as some qualifications and observations on reporting of federal funding. It further offers some issues that Members may wish to consider in deliberating on U.S. climate change strategies. digital.library.unt.edu/ark:/67531/metadc227930/
Army Corps Supplemental Appropriations: Recent History, Trends, and Policy Issues
This report provides analysis of Corps supplemental funding. Its focus is recent decades of supplemental funding provided directly to the Corps, and it does not include extensive analysis of regular Corps appropriations. digital.library.unt.edu/ark:/67531/metadc227833/
Selected Legislative Proposals to Reform the Housing Finance System
This report briefly explains the different approaches to housing finance reform offered by several legislative proposals, focusing on efforts to replace Fannie Mae and Freddie Mac and to reform the Federal Housing Administration (FHA). digital.library.unt.edu/ark:/67531/metadc287887/
Multilateral Development Banks: How the United States Makes and Implements Policy
This report analyzes how the United States makes policy towards the multilateral development banks (MDBs) and identifies ways by which Congress can shape U.S. policy and influence the activities of the banks themselves. digital.library.unt.edu/ark:/67531/metadc287963/
Highway and Public Transportation Infrastructure Provision Using Public-Private Partnerships (P3s)
This report discusses two broad policy options for Congress as it considers reauthorizing federal surface transportation programs. digital.library.unt.edu/ark:/67531/metadc284451/
A Balanced Budget Constitutional Amendment: Background and Congressional Options
This report provides an overview of the issues and options that have been raised during prior consideration of proposals for an amendment to the constitution regarding the balancing of the U.S. government. digital.library.unt.edu/ark:/67531/metadc93889/
Treasury Securities and the U.S. Sovereign Credit Default Swap Market
This report explains how the sovereign credit default swap (CDS) market works and how such CDS price trends may illuminate fiscal stresses facing sovereign governments. Although CDS prices may be imperfect measures of the federal government's fiscal condition, some investors may try to glean information from those price trends. CDS prices have been playing an important role in the European government debt markets and could potentially affect U.S debt markets in the future. European policymakers have debated certain restrictions on types of sovereign CDS trading, and such calls for reform may be of interest to U.S. lawmakers. digital.library.unt.edu/ark:/67531/metadc93895/
Government Assistance for GMAC/Ally Financial: Unwinding the Government Stake
This report discusses the auto financing industry, particularly Ally Financial, formerly known as General Motors Acceptance Corporation or GMAC. digital.library.unt.edu/ark:/67531/metadc282332/
Financial Market Supervision: Canada's Perspective
This report presents an overview of Canada's financial system and its supervisory framework and draws some distinctions between that system and the current U.S. framework. digital.library.unt.edu/ark:/67531/metadc462664/
Efforts to Delay the Gradual Elimination of Flood Insurance Premium Subsidies
This report examines legislative efforts in Congress to delay the gradual phase-out of subsidized flood insurance premiums, which is required under Sections 100205 and 100207 of P.L. 112-141, the Biggert-Waters Flood Insurance Reform and Modernization Act of 2012. This new law extended the authorization for the National Flood Insurance Program (NFIP) for five years, through September 30, 2017, while requiring significant program reforms affecting flood insurance, flood hazard mapping, and floodplains management. digital.library.unt.edu/ark:/67531/metadc491285/
The National Flood Insurance Program: Status and Remaining Issues for Congress
This report provides an analysis of flood risk management, summarizes major challenges facing the National Flood Insurance Program (NFIP), and outlines key reforms in the recently enacted Biggert-Waters Flood Insurance Reform Act of 2012. The report also identifies and presents some key remaining flood management issues for congressional considerations, and it concludes with a discussion of relevant policy options for the future financial management of flood hazards in the United States. digital.library.unt.edu/ark:/67531/metadc491005/
The SBA Disaster Loan Program: Overview and Possible Issues for Congress
This report provides an overview of the Disaster Loan Program, discusses how disaster declarations trigger the SBA loan process, explains the different types of loans potentially available to disaster victims, and discusses terms and restrictions related to each type of loan. The report also explains the SBA disaster loan application process and provides national data on SBA loans from 2000 to 2009, including data related to the Gulf Coast hurricanes since 2005. digital.library.unt.edu/ark:/67531/metadc491169/
Clean Coal Loan Guarantees and Tax Incentives: Issues in Brief
This report discusses certain federal financial incentive mechanisms for "clean coal" commercial projects; namely, loan guarantees and tax incentives. At issue for Congress is the extent to which the private sector has used these financial toolsto develop the technology needed for reducing carbon dioxide (CO2) emissions while continuing to use available domestic coal reserves for electricity generation. digital.library.unt.edu/ark:/67531/metadc462084/
Dark Pools in Equity Trading: Policy Concerns and Recent Developments
This report examines the confluence of factors that led to the rise of dark pools; the potential benefits and costs of such trading; some regulatory and congressional concerns over dark pools; recent regulatory developments by the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA), which oversees broker-dealers; and some recent lawsuits and enforcement actions garnering significant media attention. digital.library.unt.edu/ark:/67531/metadc461960/
Terrorism Risk Insurance: Issue Analysis and Overview of Current Program
This report discusses the Terrorism Risk Insurance Act of 2002 (TRIA). TRIA created a temporary three-year Terrorism Insurance Program in which the government would share some of the losses with private insurers should a foreign terrorist attack occur. digital.library.unt.edu/ark:/67531/metadc462934/
Social Security: The Trust Fund
This report covers how the Social Security program is financed and how the Social Security trust fund works. digital.library.unt.edu/ark:/67531/metadc461903/
Reauthorization of the Export-Import Bank: Issues and Policy Options for Congress
This report provides background information and potential issues and options for Congress relating to the reauthorization of Ex-Im Bank. The scope of this report is limited to Ex-Im Bank reauthorization issues. digital.library.unt.edu/ark:/67531/metadc40166/
The 2007-2009 Recession: Similarities to and Differences from the Past
According to the National Bureau of Economic Research (NBER), the U.S. economy was in a recession for 18 months from December 2007 to June 2009. It was the longest and deepest recession of the post-World War II era. This report provides information on the patterns found across past recessions since World War II to gauge whether and how this recession might be different. digital.library.unt.edu/ark:/67531/metadc29560/
Structure and Functions of the Federal Reserve System
This report examines the structure and operations of the major components of the Federal Reserve System and provides an overview of congressional oversight activities. The report identifies the provisions of P.L. 111-203 (the Dodd-Frank Wall Street Reform and Consumer Protection Act) that affect the structure and operations of the system. digital.library.unt.edu/ark:/67531/metadc29727/
Evaluating the Current Stance of Monetary Policy Using a Taylor Rule
Oversight of the Federal Reserve's (Fed's) monetary policy decisions rests with Congress. But oversight is encumbered by the absence of a straightforward relationship between interest rates and economic performance. Further, the Fed's policy decisions are discretionary, meaning there is no objective, transparent “yardstick” for evaluating their decisions. A simple rule of thumb guide to monetary policy decisions called a “Taylor rule” is an intuitive way to judge actual policy against some objective, albeit simplistic, ideal. Taylor rules prescribe a federal funds target based on inflation and the output gap (i.e., the difference between actual gross domestic product [GDP] and potential GDP) and can be adjusted to reflect a variety of policy goals. digital.library.unt.edu/ark:/67531/metadc87374/
The State of Campaign Finance Policy: Recent Developments and Issues for Congress
This report includes updated material that emphasizes the issues most prominently before the 113th Congress. It also discusses foundational information about major elements of campaign finance policy digital.library.unt.edu/ark:/67531/metadc272013/
Financial Assets and Conflict of Interest Regulation in the Executive Branch
This report discusses the federal regulation of potential "conflicts of interest" which may arise as a result of the personal financial holdings, assets, securities, property, and financial transactions in assets and securities of an official in the executive branch of the federal government. digital.library.unt.edu/ark:/67531/metadc276938/
Iraq’s Debt Relief: Procedure and Potential Implications for International Debt Relief
This report discusses the Iraqi debt problem in three parts: [1] overview of the Iraq debt situation following the ouster of the Saddam regime; [2] subsequent debt relief negotiations and their resolution; [3] possible implications for future debt relief cases that arise from Iraq's experience. The implications are: a willingness by the international community to grant a stay on the enforcement of creditor rights; an increased flexibility in Paris Club debt relief decisions; and an unwillingness by successor regimes to claim that their debt is odious and repudiate it. digital.library.unt.edu/ark:/67531/metadc99093/
Derivatives Regulation in the 111th Congress
This report summarizes derivatives legislation that was considered but not enacted by the 111th Congress, and it provides background on the derivatives market. digital.library.unt.edu/ark:/67531/metadc103061/
Community Services Block Grants (CSBG): Background and Funding
The Administration's FY2012 budget would zero-out certain national activities related to Community Service Block Grant (CSBG), including Rural Community Facilities and Job Opportunities for Low-Income Individuals (JOLI). The budget requests $20 million for Community Economic Development (down from the FY2010 level of $36 million but more than the final FY2011 level of $18 million), and would target these funds toward the multiagency Healthy Food Financing Initiative. The Administration would fund Individual Development Accounts (IDAs, also known as Assets for Independence) at $24 million in FY2012, which is the same level as in FY2010 and FY2011. digital.library.unt.edu/ark:/67531/metadc84049/
Globalization, Worker Insecurity, and Policy Approaches
This report discusses the trends driving global economic integration, sources of worker insecurity and policy approaches. There appears to be a range of views on the merits of each of these policy approaches and the extent to which they can be designed and implemented in a way that would reduce worker insecurity without undermining the benefits of globalization. digital.library.unt.edu/ark:/67531/metadc84075/
GSEs and the Government's Role in Housing Finance: Issues for the 113th Congress
This report examines options concerning the future of the GSEs and the future government role in residential mortgage markets. Other CRS reports address related issues such as conservatorship, the GSEs' financial condition, residential mortgage markets in other nations, and affordable housing. digital.library.unt.edu/ark:/67531/metadc227653/
The Dodd-Frank Wall Street Reform and Consumer Protection Act: Title VII, Derivatives
This report describes some of the requirements placed on the derivatives market by the Dodd-Frank Act, which provides exceptions to the clearing and trading requirements for commercial end-users, or firms that use derivatives to hedge the risks of their nonfinancial business operations. digital.library.unt.edu/ark:/67531/metadc227680/
The State of Campaign Finance Policy: Recent Developments and Issues for Congress
This report includes updated material that emphasizes the issues most prominently before the 113th Congress. It also discusses foundational information about major elements of campaign finance policy digital.library.unt.edu/ark:/67531/metadc227696/
Selected Legislative Proposals to Reform the Housing Finance System
This report briefly explains the different approaches to housing finance reform proposed by the three bills, focusing on efforts to replace Fannie Mae and Freddie Mac and reform FHA. digital.library.unt.edu/ark:/67531/metadc227926/
Terrorism Risk Insurance: Issue Analysis and Overview of Current Program
Report that looks at the background and current Congressional status of Terrorism Risk Insurance Act of 2002. digital.library.unt.edu/ark:/67531/metadc227805/
Funding and Financing Highways and Public Transportation
This report begins with a discussion of the problems associated with the trust fund financing system (which supports both federal highway and public transportation programs) and then explores possible options for financing surface transportation infrastructure. digital.library.unt.edu/ark:/67531/metadc227843/
IMF Reforms: Issues for Congress
Report that provides information about the reforms made by the Board of Governors of the International Monetary Fund (IMF) in December 2010, Congress's role in the reform process, and how the reforms could affect U.S. interests at the IMF. digital.library.unt.edu/ark:/67531/metadc227836/
Changing the Federal Reserve's Mandate: An Economic Analysis
This report discusses a number of implementation issues surrounding an inflation target. These include what rate of inflation to target, what inflation measure to use, whether to set a point target or range, and what penalties to impose if a target is missed. digital.library.unt.edu/ark:/67531/metadc86574/
Globalization, Worker Insecurity, and Policy Approaches
Today's global economy, or what many call globalization, has a growing impact on the economic futures of American companies, workers, and families. The current wave of globalization is supported by three broad trends: technology, increase in world supply of labor, and reduced government policies to international trade and investment. digital.library.unt.edu/ark:/67531/metadc86659/
Multilateral Development Banks: U.S. Contributions FY2000-FY2011
This report shows in tabular form how much the Administration has requested and how much Congress has appropriated for U.S. payments to the multilateral development banks (MDBs) since 2000. It also provides a brief description of the MDBs and the ways they fund their operations. It will be updated periodically as annual appropriation figures are known. digital.library.unt.edu/ark:/67531/metadc84094/
Foreign Direct Investment in the United States: An Economic Analysis
Foreign direct investment in the United States declined sharply after 2000, when a record $300 billion was invested in U.S. businesses and real estate. [Note: The United States defines foreign direct investment as the ownership or control, directly or indirectly, by one foreign person (individual, branch, partnership, association, government, etc.) of 10% or more of the voting securities of an incorporated U.S. business enterprise or an equivalent interest in an unincorporated U.S. business enterprise. 15 CFR § 806.15 (a)(1).] digital.library.unt.edu/ark:/67531/metadc84118/
National Mortgage Servicing Standards: Legislation in the 112th Congress
This report analyzes the potential misaligned incentives in the servicer-mortgage holder relationship and the servicing standards that attempt to address each concern, the servicer-borrower relationship and the relevant servicing provisions, as well as the possible implications of reforming the servicing industry. digital.library.unt.edu/ark:/67531/metadc122216/
An Economic Analysis of Large-Scale Mortgage Refinancing Proposals: A Brief Overview of S. 3522 and S. 3085
This report provides a brief overview of policy proposals for the large-scale refinancing of mortgages for borrowers shut out of traditional financing methods. digital.library.unt.edu/ark:/67531/metadc122229/
Multilateral Development Banks: How the United States Makes and Implements Policy
This report analyzes how the United States makes policy towards the multilateral development banks (MDBs) and identifies ways by which Congress can shape U.S. policy and influence the activities of the banks themselves. digital.library.unt.edu/ark:/67531/metadc103114/
Changing the Federal Reserve's Mandate: An Economic Analysis
This report discusses a number of implementation issues surrounding an economic inflation target. These include what rate of inflation to target, what inflation measure to use, whether to set a point target or range, and what penalties to impose if a target is missed. digital.library.unt.edu/ark:/67531/metadc103136/
The State of Campaign Finance Policy: Recent Developments and Issues for Congress
This report includes updated material that emphasizes the issues most prominently before the 113th Congress. It also discusses foundational information about major elements of campaign finance policy. digital.library.unt.edu/ark:/67531/metadc287930/
Costs of Government Interventions in Response to the Financial Crisis: A Retrospective
This report presents how much the Troubled Asset Relief Program (TARP) ultimately cost (or benefited) the taxpayers based on straightforward cash accounting as reported by the various agencies. digital.library.unt.edu/ark:/67531/metadc284480/
Terrorism Risk Insurance: Issue Analysis and Overview of Current Program
This report looks at the background and current Congressional status of the Terrorism Risk Insurance Act of 2002. digital.library.unt.edu/ark:/67531/metadc284476/