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 Collection: Congressional Research Service Reports
An Economic Analysis and Brief Legislative Overview of Usury Ceilings
This report gives an economic analysis of usury ceilings, laws which set the maximum legal rate of interest to be charged on particular types of loans. It provides a brief overview of recent Federal l e g i s l a t i o n dealing with usury, with special emphasis on the Federal authorities mandated by P.L. 96-221, and the effectiveness of Federal preemption of State usury laws. digital.library.unt.edu/ark:/67531/metacrs8157/
U.S. Direct Investment Abroad: Trends and Current Issues
No Description digital.library.unt.edu/ark:/67531/metacrs6712/
Export-Import Bank: Background and Legislative Issues
This report discusses the Export-Import Bank (Ex-In Bank), the chief U.S. government agency that helps finance American exports of manufactured goods and services with the objective of contributing to the employment of U.S. workers. digital.library.unt.edu/ark:/67531/metacrs1994/
Export-Import Bank: Background and Legislative Issues
This report discusses the Export-Import Bank (Ex-In Bank), the chief U.S. government agency that helps finance American exports of manufactured goods and services with the objective of contributing to the employment of U.S. workers. digital.library.unt.edu/ark:/67531/metacrs5548/
Export-Import Bank: Background and Legislative Issues
This report discusses the Export-Import Bank (Ex-In Bank), the chief U.S. government agency that helps finance American exports of manufactured goods and services with the objective of contributing to the employment of U.S. workers. digital.library.unt.edu/ark:/67531/metacrs5547/
Export-Import Bank: Background and Legislative Issues
This report discusses the Export-Import Bank (Ex-In Bank), the chief U.S. government agency that helps finance American exports of manufactured goods and services with the objective of contributing to the employment of U.S. workers. digital.library.unt.edu/ark:/67531/metacrs3514/
Export-Import Bank: Background and Legislative Issues
This report discusses the Export-Import Bank (Ex-In Bank), the chief U.S. government agency that helps finance American exports of manufactured goods and services with the objective of contributing to the employment of U.S. workers. digital.library.unt.edu/ark:/67531/metacrs3513/
Export-Import Bank: Background and Legislative Issues
This report discusses the Export-Import Bank (Ex-In Bank), the chief U.S. government agency that helps finance American exports of manufactured goods and services with the objective of contributing to the employment of U.S. workers. This report discusses the Bank's budget and related legislation, including the Omnibus Appropriations Act of 2009, signed by President Barack Obama and authorizing spending limitations for the Bank. digital.library.unt.edu/ark:/67531/metacrs1995/
Supervision of U.S. Payment, Clearing, and Settlement Systems: Designation of Financial Market Utilities (FMUs)
This report outlines the changes to the supervision of key market infrastructure that are embodied in the Dodd-Frank Act. It is intended to be used as a reference for those interested in the financial system's "plumbing," and how the associated systems are currently overseen and regulated. digital.library.unt.edu/ark:/67531/metadc122203/
The United States as a Net Debtor Nation: Overview of the International Investment Position
This report looks at international investing patterns and impacts, and ends with considerations on this topic for Congress. digital.library.unt.edu/ark:/67531/metadc103183/
Regulation of Debit Interchange Fees
This report provides a description of the debit payments process and network pricing, as well as an overview of the effects of the Durbin Amendement implemented by the Federal Reserve which includes a cap on the interchange fee for large issuers. In particular, the Durbin Amendment is discussed in light of comments by Federal Reserve Board Chairman Ben Bernanke. digital.library.unt.edu/ark:/67531/metadc98011/
U.S. Direct Investment Abroad: Trends and Current Issues
Report that provides a brief overview of how foreign investments can affect the U.S. digital.library.unt.edu/ark:/67531/metadc228106/
Multiple-Group Federal Credit Unions: An Update
No Description digital.library.unt.edu/ark:/67531/metacrs681/
Saving Rates: An International Comparison
No Description digital.library.unt.edu/ark:/67531/metacrs114/
Mixing Banking and Commerce Using Federal Deposit Insurance: Industrial Banks and Nonbank Banks
No Description digital.library.unt.edu/ark:/67531/metacrs58/
Electronic Banking: The Check Truncation Issue
If all checks were replaced by electronic transactions, the exact cost savings would still be unknown, because estimates of the cost of using a check and the number of checks written each year remain in dispute. Consequently, estimates of cost savings range from $1.4 billion annually for truncation alone to $68 billion for replacing checks with electronic payments. A significant part of the savings comes from eliminating the handling, sorting, and physically transporting of checks to the paying bank. To clear checks electronically, banks must negotiate processing agreements thatmake it unnecessary to physically present the paper check. Since the benefits are not uniformly dispersed among the participants, banks have found it difficult to obtain these agreements, thus constraining the widespread adoption of electronic check clearing. digital.library.unt.edu/ark:/67531/metacrs4656/
Electronic Banking: The Check Truncation Issue
If all checks were replaced by electronic transactions, the exact cost savings would still be unknown, because estimates of the cost of using a check and the number of checks written each year remain in dispute. Consequently, estimates of cost savings range from $1.4 billion annually for truncation alone to $68 billion for replacing checks with electronic payments. A significant part of the savings comes from eliminating the handling, sorting, and physically transporting of checks to the paying bank. To clear checks electronically, banks must negotiate processing agreements thatmake it unnecessary to physically present the paper check. Since the benefits are not uniformly dispersed among the participants, banks have found it difficult to obtain these agreements, thus constraining the widespread adoption of electronic check clearing. digital.library.unt.edu/ark:/67531/metacrs4655/
Electronic Banking: The Check Truncation Issue
If all checks were replaced by electronic transactions, the exact cost savings would still be unknown, because estimates of the cost of using a check and the number of checks written each year remain in dispute. Consequently, estimates of cost savings range from $1.4 billion annually for truncation alone to $68 billion for replacing checks with electronic payments. A significant part of the savings comes from eliminating the handling, sorting, and physically transporting of checks to the paying bank. To clear checks electronically, banks must negotiate processing agreements thatmake it unnecessary to physically present the paper check. Since the benefits are not uniformly dispersed among the participants, banks have found it difficult to obtain these agreements, thus constraining the widespread adoption of electronic check clearing. digital.library.unt.edu/ark:/67531/metacrs4653/
Global Financial Turmoil, the IMF, and the New Financial Architecture
No Description digital.library.unt.edu/ark:/67531/metacrs1714/
Global Financial Turmoil, the IMF, and the New Financial Architecture
No Description digital.library.unt.edu/ark:/67531/metacrs1221/
H.R. 2415: Bankruptcy Reform in the Closing Days of the 106th Congress
No Description digital.library.unt.edu/ark:/67531/metacrs1718/
Mergers and Consolidation Between Banking and Financial Services Firms: Trends and Prospects
No Description digital.library.unt.edu/ark:/67531/metacrs2812/
Mergers and Consolidation Between Banking and Financial Services Firms: Trends and Prospects
No Description digital.library.unt.edu/ark:/67531/metacrs2811/
Mergers and Consolidation Between Banking and Financial Services Firms: Trends and Prospects
No Description digital.library.unt.edu/ark:/67531/metacrs4652/
Mergers and Consolidation Between Banking and Financial Services Firms: Trends and Prospects
No Description digital.library.unt.edu/ark:/67531/metacrs4651/
The Enron Collapse: An Overview of Financial Issues
This report briefly examines the accounting system that failed to provide a clear picture of the firm’s true condition, the independent auditors and board members who were unwilling to challenge Enron’s management, the Wall Street stock analysts and bond raters who missed the trouble ahead, the rules governing employer stock in company pension plans, and the unregulated energy derivatives trading that was the core of Enron’s business. The report also describes related legislation that has received floor or committee action and will be updated regularly. digital.library.unt.edu/ark:/67531/metacrs4673/
The Enron Collapse: An Overview of Financial Issues
This report briefly examines the accounting system that failed to provide a clear picture of the firm’s true condition, the independent auditors and board members who were unwilling to challenge Enron’s management, the Wall Street stock analysts and bond raters who missed the trouble ahead, the rules governing employer stock in company pension plans, and the unregulated energy derivatives trading that was the core of Enron’s business. The report also describes related legislation that has received floor or committee action and will be updated regularly. digital.library.unt.edu/ark:/67531/metacrs2840/
The Enron Collapse: An Overview of Financial Issues
This report briefly examines the accounting system that failed to provide a clear picture of the firm’s true condition, the independent auditors and board members who were unwilling to challenge Enron’s management, the Wall Street stock analysts and bond raters who missed the trouble ahead, the rules governing employer stock in company pension plans, and the unregulated energy derivatives trading that was the core of Enron’s business. The report also describes related legislation that has received floor or committee action and will be updated regularly. digital.library.unt.edu/ark:/67531/metacrs2839/
The Enron Collapse: An Overview of Financial Issues
This report briefly examines the accounting system that failed to provide a clear picture of the firm’s true condition, the independent auditors and board members who were unwilling to challenge Enron’s management, the Wall Street stock analysts and bond raters who missed the trouble ahead, the rules governing employer stock in company pension plans, and the unregulated energy derivatives trading that was the core of Enron’s business. The report also describes related legislation that has received floor or committee action and will be updated regularly. digital.library.unt.edu/ark:/67531/metacrs2838/
The Enron Collapse: An Overview of Financial Issues
This report briefly examines the accounting system that failed to provide a clear picture of the firm’s true condition, the independent auditors and board members who were unwilling to challenge Enron’s management, the Wall Street stock analysts and bond raters who missed the trouble ahead, the rules governing employer stock in company pension plans, and the unregulated energy derivatives trading that was the core of Enron’s business. The report also describes related legislation that has received floor or committee action and will be updated regularly. digital.library.unt.edu/ark:/67531/metacrs2837/
The Enron Collapse: An Overview of Financial Issues
This report briefly examines the accounting system that failed to provide a clear picture of the firm’s true condition, the independent auditors and board members who were unwilling to challenge Enron’s management, the Wall Street stock analysts and bond raters who missed the trouble ahead, the rules governing employer stock in company pension plans, and the unregulated energy derivatives trading that was the core of Enron’s business. The report also describes related legislation that has received floor or committee action and will be updated regularly. digital.library.unt.edu/ark:/67531/metacrs2836/
Federal Securities Law: Insider Trading
No Description digital.library.unt.edu/ark:/67531/metacrs2834/
Financial Services and General Government (FSGG): FY2014 Appropriations
This report discusses the Financial Services and General Government (FSGG) appropriations bill that provides funding for the Department of the Treasury, the Executive Office of the President (EOP), the judiciary, the District of Columbia, and more than two dozen independent agencies. digital.library.unt.edu/ark:/67531/metadc276893/
U.S. Direct Investment Abroad: Trends and Current Issues
This report discusses issues regarding foreign investments and how that can affect the U.S. digital.library.unt.edu/ark:/67531/metadc272120/
U.S. Direct Investment Abroad: Trends and Current Issues
This report provides a brief overview of how foreign investments can affect the U.S. digital.library.unt.edu/ark:/67531/metadc272121/
Greece's Debt Crisis: Overview, Policy Responses, and Implications
This report covers the sovereign debt crisis currently faced by the Eurozone which has culminated with Greece, which is at the center of the crisis, Ireland, and Portugal borrowing money from other European countries and the International Monetary Fund (IMF) in order to avoid default. Topics covered include: the build-up of Greece's debt crisis, policy responses with limited success, and broader implications. Specific issues for Congress include how the U.S. economy and banking industry will be affect by these recent events. digital.library.unt.edu/ark:/67531/metadc93837/
Currency Manipulation: The IMF and WTO
This report describes how the International Monetary Fund (IMF) and World Trade Organization (WTO) deal with the issue of currency manipulation. It also discusses apparent discrepancies in their charters and ways those differences might be addressed. digital.library.unt.edu/ark:/67531/metadc31498/
The Basel Accords: The Implementation of II and the Modification of I
This report provides the basic information needed to understand the issues surrounding the proposed implementation of Basel II and the pending proposed modifications of Basel I in the United States. First, it gives a basic background on capital standards and how capital assessments were made before these accords. Second, it briefly explains how Basel I works. Third, it addresses the major problem with Basel I and the modifications being considered. Fourth, it describes the Basel II framework the United States may implement and the framework the EU is already implementing. The report concludes with a section on Congress and the Basel Accords. digital.library.unt.edu/ark:/67531/metacrs9275/
Fannie Mae's and Freddie Mac's Financial Problems: Frequently Asked Questions
Recent turmoil in the housing and financial markets have caused concern over the future of Fannie Mae and Freddie Mac, which are chartered by Congress as government-sponsored enterprises (GSEs) and are widely believed to have an implicit guarantee from the federal government. The Office of Federal Housing Enterprise Oversight (OFHEO) -- the GSEs safety and soundness regulator -- has repeated assurances that Fannie and Freddie have adequate capital, but as highly leveraged financial intermediaries, Fannie Mae and Freddie Mac have limited resources against losses. This report analyzes various aspects of Fannie Mae and Freddie Mac in relation to the financial turmoil that began in September 2008. digital.library.unt.edu/ark:/67531/metacrs10771/
Currency Manipulation: The IMF and WTO
This report describes how the International Monetary Fund (IMF) and World Trade Organization (WTO) deal with the issue of currency manipulation. It also discusses apparent discrepancies in their charters and ways those differences might be addressed. digital.library.unt.edu/ark:/67531/metadc29750/
Out-of-State Money in the Congressional Elections of 1992, 1994, and 1996: Trends and Policy Issues
No Description digital.library.unt.edu/ark:/67531/metacrs410/
Investing Social Security Funds in the Stock Market: Some Economic Considerations
No Description digital.library.unt.edu/ark:/67531/metacrs7697/
Currency Manipulation: The IMF and WTO
The International Monetary Fund (IMF) and World Trade Organization (WTO) approach the issue of "currency manipulation" differently. The IMF Articles of Agreement prohibit countries from manipulating their currency for the purpose of gaining unfair trade advantage, but the IMF cannot force a country to change its exchange rate policies. The WTO has rules against subsidies, but these are very narrow and specific and do not seem to encompass currency manipulation. Several options might be considered for addressing this matter in the future, if policymakers deem this a wise course of action. digital.library.unt.edu/ark:/67531/metacrs10703/
Social Security Financing Reform: Lessons from the 1983 Amendments
No Description digital.library.unt.edu/ark:/67531/metacrs484/
Social Security, Saving, and the Economy
No Description digital.library.unt.edu/ark:/67531/metacrs5320/
Social Security, Saving, and the Economy
No Description digital.library.unt.edu/ark:/67531/metacrs1929/
Environmental Protection: How Much it Costs and Who Pays
A recurring issue in environmental policy is the cost of pollution control imposed on individuals, businesses, and government. To inform policymakers about these costs, a number of surveys and analyses have been conducted over the years. consistent, basic sources have been an annual survey of costs to manufacturers, conducted by the Bureau of Census(BOC), and an annual analysis of total costs, prepared by the Bureau of Economic Analysis(BEA). Overall, the BEA analysis showed the nation spent $122 billion for pollution abatement and control in 1994, or about 1.76% of Gross Domestic Product. Personal consumption expenditures for pollution control were $22 billion, government 435 billion, and business $65 billion. These 1994 data represent the end of the annual series; the BOC survey and BEA analysis have been discontinued digital.library.unt.edu/ark:/67531/metacrs435/
Fannie Mae's and Freddie Mac's Financial Status: Frequently Asked Questions
Report that presents the major issues surrounding Fannie Mae's and Freddie Mac's financial conditions as well as various public policy options under discussion. digital.library.unt.edu/ark:/67531/metadc227814/
The Daiwa Bank Problems: Background and Policy Issues
On November 2, 1995, U.S. banking authorities ordered the Daiwa Bank to close its banking operations in the United States, and a 24-count criminal indictment was issued against it. These actions stem from the bank's admission that Toshihide Iguchi, a rogue trader at its New York branch office, had incurred $1.1 billion in losses over eleven years from trading U.S. Treasury securities and that Daiwa managers had "directed that those losses be concealed" from U.S. regulators. digital.library.unt.edu/ark:/67531/metacrs202/
Fair Trade in Financial Services: Legislation and the GATT
No Description digital.library.unt.edu/ark:/67531/metacrs115/