Congressional Research Service Reports - 264 Matching Results

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Industrial Loan Companies/Banks and the Separation of Banking and Commerce: Legislative and Regulatory Perspectives

Description: Industrial Loan Companies (ILCs), are state-chartered and state-regulated depository institutions whose deposits the Federal Deposit Insurance Corporation (FDIC) may insure. This report addresses the controversy over expansion of ILCs by line of business and by branching across the nation as follows, providing: (1) a historical overview of the U.S. separation of banking and commerce; (2) information on ILCs and their regulation; and (3) identifying and analyzing relevant legislation in Congress. more
Date: June 27, 2005
Creator: Jackson, William D.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Risk Management and Critical Infrastructure Protection: Assessing, Integrating, and Managing Threats, Vulnerabilities and Consequences

Description: This report is meant to support congressional oversight by discussing, in more detail, what this task entails and issues that need to be addressed. In particular, the report defines terms (e.g., threat, vulnerability, and risk), discusses how they fit together in a systematic analysis, describes processes and techniques that have been used to assess them, and discusses how the results of that analysis can inform resource allocation and policy.
Date: July 17, 2007
Creator: Moteff, John
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Affiliates in Banking, Finance, and Commerce: Development and Regulatory Background

Description: The proliferation of corporate affiliates in banking, finance, and commerce has figured in discussion of several policy issues, including how to protect against (1) losses incurred by affiliated companies; (2) anticompetitive “tying” of bank and nonbank financial services; and (3) misuse of financial data of consumers. This report outlines the nature and evolution of affiliates, primarily from a regulatory perspective. It provides background for discussing financial issues involving corporate a… more
Date: April 27, 2005
Creator: Jackson, William D.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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The Recovery Rebates and Economic Stimulus for the American People Act of 2008 and Jumbo Mortgages

Description: This report discusses the H.R. 5140, the Recovery Rebates and Economic Stimulus for the American People Act of 2008, which would temporarily increase the maximum size of loans that Fannie Mae and Freddie Mac can purchase, and that the Federal Housing Administration (FHA) can insure.
Date: February 1, 2008
Creator: Weiss, N. Eric
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Financial Services and General Government (FSGG): FY2008 Appropriations

Description: This report is a guide to a new appropriations bill that Congress is considering for the first time this year. It is designed to supplement the information provided by the House and Senate Appropriations Subcommittees on Financial Services and General Government. It summarizes the status of the bill, its scope, major issues, funding levels, and related congressional activity.
Date: July 20, 2007
Creator: Hatch, Garrett L.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Loan Forgiveness for Public Service Employees Under the William D. Ford Direct Loan Program

Description: The College Cost Reduction and Access Act of 2007 (CCRAA; P.L. 110-84) establishes a new loan forgiveness provision for borrowers of loans made under the William D. Ford Direct Loan (DL) program who are employed in public service jobs for 10 years during the repayment of their loans. This report provides a brief description of the DL program loan forgiveness provision for public service employees and identifies issues that may be addressed as it is implemented.
Date: January 28, 2008
Creator: Smole, David P.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Federal Aviation Administration (FAA) Reauthorization: An Overview of Legislative Action in the 111th Congress

Description: This report tracks the status of ongoing legislative action and debate related to Federal Aviation Administration (FAA) reauthorization. It is organized into six major program areas: aviation system finance; airport financing; FAA management and organizational issues; system capacity and safety; environmental issues; and airline industry issues. In several cases, provisions that appear in various unrelated sections of proposed legislation have been rearranged in this report in an effort to grou… more
Date: October 8, 2009
Creator: Elias, Bart
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Campaign Finance: Potential Legislative and Policy Issues for the 111th Congress

Description: This report discusses selected campaign finance policy issues that may receive attention during the 111th Congress such as the electronic filing of senate campaign finance reports, bundling, hybrid advertising, joint fundraising committees, 527 Organizations and more.
Date: January 29, 2009
Creator: McCarthy, James E.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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The Depreciating Dollar: Economic Effects and Policy Response

Description: This report addresses the concern about the health of the U.S. economy regarding the depreciation of the dollar and examines the likely reasons for the dollar's fall, the effects the depreciating currency could have on the economy, and possible policy responses that could be considered to attempt to alter the dollar's path if needed.
Date: July 17, 2008
Creator: Elwell, Craig K.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Public-Private Partnerships in Highway and Transit Infrastructure Provision

Description: This report begins with a brief discussion of the surface transportation system and its financing needs as background to the debate on public-private partnerships (PPPs). That is followed by sections describing the different types of PPPs, with details of a few prominent examples, and the development of federal legislation with respect to PPPs. The report then discusses the main issues of contention with the construction and longterm leasing of highways by the private sector, particularly as th… more
Date: July 9, 2008
Creator: Mallett, William J.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Financial Services and General Government (FSGG): FY2008 Appropriations

Description: This report is a guide to one of the regular appropriations bills that Congress considers each year. It is designed to supplement the information provided by the House and Senate Appropriations Subcommittees on Defense. For both defense authorization and appropriations, this report summarizes the status of the bills, their scope, major issues, funding levels, and related congressional activity.
Date: December 20, 2007
Creator: Hatch, Garrett L.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Subprime Mortgages: Primer on Current Lending and Foreclosure Issues

Description: This report discusses the issue of subprime mortgages, which are loans extended to borrowers with weak credit profiles. Subprime mortgages entail higher risk of delinquency and default. Recent increases in subprime borrower foreclosures and lender bankruptcies have prompted concerns that some lenders’ underwriting guidelines are too loose and that some borrowers may not have fully understood the risks of the mortgage products they chose. Regulatory agencies are revisiting the guidance they prov… more
Date: March 19, 2007
Creator: Murphy, Edward Vincent
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Campaign Finance: Potential Legislative and Policy Issues for the 111th Congress

Description: This report discusses selected campaign finance policy issues that may receive attention during the 111th Congress such as the electronic filing of senate campaign finance reports, bundling, hybrid advertising, joint fundraising committees, 527 Organizations and more.
Date: December 31, 2008
Creator: Garret, R. S.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Campaign Finance

Description: This report discusses campaign finance practices and related issues. Concerns over financing federal elections have become a seemingly perennial aspect of our political system, centered on the enduring issues of high campaign costs and reliance on interest groups for needed campaign funds. The report talks about the today's paramount issues such as perceived loopholes in current law and the longstanding issues: overall costs, funding sources, and competition.
Date: April 20, 2005
Creator: Cantor, Joseph E.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Pension Funds Investing in Hedge Funds

Description: The proportion of U.S. corporate-defined benefit pension funds investing in hedge funds has increased to 24% in 2006, up from 19% in 2004 and 12% in 2000. Although statistics vary, total corporate pension fund assets allocated to hedge funds in 2006 was 2.1%. Because of hedge funds’ risky nature, rapid growth, lack of oversight, and recent losses, some wonder if they are appropriate investments for workers’ retirement funds. This report discusses concerns regarding hedge funds and examines poss… more
Date: June 15, 2007
Creator: Klunk, William
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Stock Options: The Accounting Issue and Its Consequences

Description: The Financial Accounting Standards Board (FASB) has issued a long-anticipated rule that stock options must be recognized as an expense on corporation income statements. The previous accounting rule permitted but did not require recognition; corporations that elected to omit the cost of options, as most did, have been able to report higher earnings. This report examines the debate surrounding the issue and discusses the potential consequences.
Date: November 15, 2005
Creator: Lyke, Bob & Shorter, Gary
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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