Congressional Research Service Reports - 762 Matching Results

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Fannie Mae’s and Freddie Mac’s Financial Problems

Description: This report presents, in analytical question and answer form, the issues surrounding the financial conditions of Fannie Mae and Freddie Mac, which are stockholder-owned government-sponsored enterprises (GSEs). Their federal charters give the GSEs special public policy goals aimed at providing liquidity in the mortgage market and to provide access to homeownership for underserved groups and locations. In return, their charters give the GSEs a special relationship with the government.
Date: August 10, 2012
Creator: Weiss, N. Eric
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Partner: UNT Libraries Government Documents Department
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Housing Issues in the 110th Congress

Description: This report examines housing-related issues that have become prominent in the 110th Congress. Possibly the most visible issue is the prevalence of subprime loans and growing mortgage default and foreclosure rates. Congress has responded with numerous hearings and legislative proposals both to change the way in which the lending and home-buying industry is regulated and to assist borrowers who are facing default and foreclosure.
Date: November 1, 2007
Creator: Perl, Libby; McCarty, Maggie; Foote, Bruce E.; Boyd, Eugene; Getter, Darryl E.; Jackson, Pamela J. et al.
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Partner: UNT Libraries Government Documents Department
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Credit Card Minimum Payments

Description: Recently, credit card issuers began adjusting their minimum payment formulas, raising the amount of the required monthly payment. Congress has focused on the need to increase consumer awareness of the financial jeopardy that can result from paying only the required minimum. This report provides an overview of the issues and congressional action. It will be updated as events warrant.
Date: December 21, 2005
Creator: Smale, Pauline
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Partner: UNT Libraries Government Documents Department
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Small Business Administration Microloan Program

Description: The Small Business Administration’s (SBA’s) Microloan program provides direct loans to qualified nonprofit intermediary lenders who, in turn, provide “microloans” of up to $50,000 to small businesses and nonprofit child care centers. It also provides marketing, management, and technical assistance to microloan borrowers and potential borrowers. This report opens with a discussion of the rationale provided for having a Microloan program, describes the program’s eligibility standards and operatin… more
Date: May 28, 2015
Creator: Dilger, Robert Jay
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Partner: UNT Libraries Government Documents Department
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Why is the Household Saving Rate So Low?

Description: This report begins by showing how much the household saving rate has declined in recent years. Next, it explains how household saving is measured, and provides some detail on how saving varies across the income distribution. Finally, it discusses factors that may account for the decline in household saving, as well as how much of a policy concern the decline in household saving may be.
Date: January 9, 2008
Creator: Cashell, Brian W.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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The Federal Deposit Insurance Corporation (FDIC): Efforts to Support Financial and Housing Markets

Description: This report discusses recent actions taken by the FDIC in support of financial and housing markets, which include restoration of the Deposit Insurance Fund, the development of the Temporary Liquidity Guarantee Program, efforts to reduce foreclosures, and establishment of the proposed Public-Private Investment Fund. Legislation such as H.R. 786 (introduced by Representative Barney Frank); H.R. 1106, Helping Families Save Their Homes Act of 2009 (introduced by Representative John Conyers, Jr., wi… more
Date: March 27, 2009
Creator: Getter, Darryl E. & Gonzales, Oscar R.
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Partner: UNT Libraries Government Documents Department
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Understanding Mortgage Foreclosure: Recent Events, the Process, and Costs

Description: This report provides a general analysis and overview of current foreclosure issues addressed in the bills cited above. It begins with a description of the behavior of aggregate foreclosure rates. The behaviors of foreclosure rates are placed in the context of activity in the housing and mortgage market to illustrate any relationships. The foreclosure process is then explained, first from the point of view of a traditional financial lending institution, and then from the viewpoint of securitizat… more
Date: November 5, 2007
Creator: Getter, Darryl E.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Treasury Issues White Paper on Fintech and Marketplace Lending

Description: This report briefly discusses the context and contents of a white paper issued on May 10, 2016 by the U.S. Department of the Treasury. The paper analyzes regulatory issues for the marketplace lending industry and offers several recommendations for industry and government responses.
Date: May 20, 2016
Creator: Murphy, Edward V.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Financial Services and General Government (FSGG): FY2014 Appropriations

Description: 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.
Date: January 7, 2014
Creator: Webel, Baird
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Bankruptcy Basics: A Primer

Description: This report serves as a primer for Members and their staffs on the basics of U.S. bankruptcy law. The report provides a brief overview of the most essential concepts necessary for an informed understanding of the U.S. bankruptcy system
Date: March 22, 2018
Creator: Lewis, Kevin M.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Insurance Regulation: Issues, Background, and Legislation in the 113th Congress

Description: This report discusses the legislation in the 113th Congress regarding insurance regulation. Among the insurance regulatory issues addressed by legislation in the 113th Congress are the application of federal orderly liquidation authority to insurers (addressed in H.R. 605); the supervision of some insurers by the Federal Reserve (addressed in H.R. 2140, H.R. 4510, H.R. 5461, S. 2102, and S. 2270); and the licensing of insurance agents and brokers (addressed in S. 534, S. 1926, S. 2244, H.R. 115… more
Date: January 2, 2015
Creator: Webel, Baird
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Insurance Regulation: Issues, Background, and Legislation in the 113th Congress

Description: This report discusses the legislation in the 113th Congress regarding insurance regulation. Among the insurance regulatory issues addressed by legislation in the 113th Congress are the application of federal orderly liquidation authority to insurers (addressed in H.R. 605); the supervision of some insurers by the Federal Reserve (addressed in H.R. 2140, H.R. 4510, H.R. 5461, S. 2102, and S. 2270); and the licensing of insurance agents and brokers (addressed in S. 534, S. 1926, S. 2244, H.R. 115… more
Date: September 17, 2014
Creator: Webel, Baird
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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The Financial CHOICE Act in the 115th Congress: Selected Policy Issues

Description: This report highlights major proposals included in the Financial CHOICE Act (FCA) but is not a comprehensive summary. In general, the bill proposes changes that can be divided into two categories: (1) changes to financial policies and regulations and (2) changes to the regulatory structure and rulemaking process. Major policy-related changes proposed by the FCA include the following: Leverage Ratio, Regulatory Relief, To Big To Fail, Funding, Rulemaking, Judicial Review, Enforcement, the Consum… more
Date: September 8, 2017
Creator: Labonte, Marc; Carpenter, David H.; Davis, Christopher M.; Perkins, David W.; Shorter, Gary & Webel, Baird
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Banking Policy Issues in the 115th Congress

Description: This report provides a broad overview of selected banking-related issues, including prudential regulation, consumer protection, "too big to fail" (TBTF) banks, community banking, regulatory agency structures and independence, and recent market and economic trends. It is not an exhaustive look at all bank policy issues, nor is it a detailed examination of any one issue. Rather, it provides concise background and analyses of certain prominent issues that have been the subject of recent discussion… more
Date: May 26, 2017
Creator: Perkins, David W.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Commodity Futures Trading Commission: Proposed Reauthorization in the 115th Congress

Description: This report examines selected major H.R. 238 provisions that would authorize appropriations for the Commodity Futures Trading Commission (CFTC) of $250 million for each of FY2017 through FY2021, expand the current 5 cost-benefit analysis provisions in the CEA to 12 considerations and add a requirement that the CFTC conduct quantitative as well as qualitative assessments, potentially broaden the bona fide hedging definition to allow anticipated, as well as current, risks to be hedged, which migh… more
Date: September 29, 2017
Creator: Miller, Rena S.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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One Million Personal Bankruptcies a Year: Economic Implications and Policy Options

Description: This report examines various explanations for the rapid rise in personal bankruptcy filings in the United States since 1980, the economic significance of the phenomenon, and policy options. This discussion and analysis provide a background for consideration of legislation before the 105th Congress ( H.R. 3150 and S. 1301), which proposes to reform the consumer bankruptcy process.
Date: May 14, 1998
Creator: Jickling, Mark
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Federal Credit Reform: Implementation Of the Changed Budgetary Treatment of Direct Loans and Loan Guarantees

Description: This report explains the provisions of the Federal Credit Reform Act of 1990 (FCRA), examine the implementation of credit reform including credit reform provisions of the Balanced Budget Act of 1997 (BBA97), and discusses proposed modifications of credit reform. In order to achieve these objectives, it is necessary to initially discuss justifications for credit programs, federal credit concepts, and the budgetary treatment of federal credit before the FCRA.
Date: April 25, 2006
Creator: Bickley, James M.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Small Business Administration Microloan Program

Description: This report describes the Microloan program's eligibility standards and operating requirements for lenders and borrowers and examines the arguments presented by the program's critics and advocates. It also examines changes to the program authorized by P.L. 111-240, the Small Business Jobs Act of 2010.
Date: August 9, 2011
Creator: Dilger, Robert J.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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