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 Collection: Congressional Research Service Reports
Insurance Regulation: Background and Issues

Insurance Regulation: Background and Issues

Date: August 1, 2003
Creator: Webel, Baird & Cobb, Carolyn
Description: None
Contributing Partner: UNT Libraries Government Documents Department
Should Banking Powers Expand into Real Estate Brokerage and Management?

Should Banking Powers Expand into Real Estate Brokerage and Management?

Date: July 30, 2003
Creator: Jackson, William D
Description: None
Contributing Partner: UNT Libraries Government Documents Department
Social Security Reform

Social Security Reform

Date: July 22, 2003
Creator: Kollmann, Geoffrey & Nuschler, Dawn
Description: None
Contributing Partner: UNT Libraries Government Documents Department
Iraq Reconstruction Resources: Fact Sheet

Iraq Reconstruction Resources: Fact Sheet

Date: July 16, 2003
Creator: Waterhouse, Michael & Smith, Carolyn C
Description: None
Contributing Partner: UNT Libraries Government Documents Department
Social Security Reform: Effect on Benefits and the Federal Budget of Plans Proposed by the President's Commission to Strengthen Social Security

Social Security Reform: Effect on Benefits and the Federal Budget of Plans Proposed by the President's Commission to Strengthen Social Security

Date: July 15, 2003
Creator: Nuschler, Dawn & Kollmann, Geoffrey
Description: None
Contributing Partner: UNT Libraries Government Documents Department
The Role of Risk Analysis and Risk Management in Environmental Protection

The Role of Risk Analysis and Risk Management in Environmental Protection

Date: July 7, 2003
Creator: Schierow, Linda-Jo
Description: None
Contributing Partner: UNT Libraries Government Documents Department
Electronic Banking: The Check Truncation Issue

Electronic Banking: The Check Truncation Issue

Date: July 3, 2003
Creator: Eubanks, Walter W
Description: 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.
Contributing Partner: UNT Libraries Government Documents Department
Campaign Financing

Campaign Financing

Date: July 1, 2003
Creator: Cantor, Joseph E
Description: This is one report in the series of reports that discuss the 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.
Contributing Partner: UNT Libraries Government Documents Department
Privacy Protection for Customer Financial Information

Privacy Protection for Customer Financial Information

Date: June 30, 2003
Creator: Murphy, M. Maureen
Description: None
Contributing Partner: UNT Libraries Government Documents Department
Benefit-Cost Analysis and the Discount Rate for the Corps of Engineers' Water Resource Projects: Theory and Practice

Benefit-Cost Analysis and the Discount Rate for the Corps of Engineers' Water Resource Projects: Theory and Practice

Date: June 23, 2003
Creator: Powers, Kyna
Description: Construction of large water resource projects, such as those of the Army Corps of Engineers (Corps), can be controversial because they involve trade-offs among various river uses, and between current and future generations. Pursuant to federal water project planning guidelines, the Corps weighs these trade-offs using benefit-cost analysis. If its analysis shows that a project’s national economic development (NED) benefits exceed its NED costs, the Corps seeks project authorization from Congress. Congress authorizes the Corps to construct some of these large water projects through (usually) biennial Water Resource Development Acts. Since the Corps rarely recommends a project that does not have a benefit-cost ratio greater than 1.0, this report describes the decisions that influence this ratio, with a focus on the role of the discount rate.
Contributing Partner: UNT Libraries Government Documents Department