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The Consumer Financial Protection Bureau (CFPB): A Legal Analysis

Description: This report provides an overview of the regulatory structure of consumer finance under existing federal law before the Dodd-Frank Act went into effect, and examines arguments for modifying the regime in order to more effectively regulate consumer financial markets. It then analyzes how the CFP Act changes the legal structure, with a focus on the Bureau's organization; the entities and activities that fall (and do not fall) under the Bureau's supervisory, enforcement, and rulemaking authorities;… more
Date: January 14, 2014
Creator: Carpenter, David H.
Partner: UNT Libraries Government Documents Department
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A Brief Overview of Actions Taken by the Consumer Financial Protection Bureau (CFPB) in Its First Year

Description: Report that looks at actions taken by the Consumer Financial Protection Bureau (CFPB) during its first year. The CFPB exists to implement and enforce federal consumer financial laws, ensure consumer access to financial products and services, and ensure that the markets for consumer financial services and products are fair, transparent, and competitive.
Date: August 29, 2012
Creator: Hoskins, Sean M.
Partner: UNT Libraries Government Documents Department
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Consumers and Food Price Inflation

Description: This report is divided into five sections that cover the following: major economic concepts underlying consumer food behavior; descriptions how U.S. food price inflation rates have evolved since 1915, when federal price data collection for inflation-measuring purposes began; information on recent history and projections for U.S. food expenditure shares relative to total household budget; an examination of retail food price inflation; and a discussion on the impact that rapid food price inflatio… more
Date: September 13, 2013
Creator: Schnepf, Randy
Partner: UNT Libraries Government Documents Department
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The Consumer Product Safety Commission (CPSC) and International Trade: Legal Issues

Description: This report examines the Consumer Product Safety Commission's (CPSC) role in regulating U.S. imported and exported consumer products. It also examines some of the international obligations that the United States has undertaken with respect to the promulgation of standards-related measures, such as mandatory consumer product safety regulations.
Date: November 5, 2013
Creator: Murrill, Brandon J.
Partner: UNT Libraries Government Documents Department
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Financial Regulatory Reform: Analysis of the Consumer Financial Protection Agency (CFPA) as Proposed by the Obama Administration and H.R. 3126

Description: This report provides a brief summary of the President's Consumer Financial Protection Agency Act of 2009 (the CPFA Act or the Act) and delineates some of the substantive differences between it and H.R. 3126, as introduced. It then analyzes some of the policy implications of the proposal, focusing on the separation of safety and soundness regulation from consumer protection, financial innovation, and the scope of regulation. The report then raises some questions regarding state law preemption, s… more
Date: July 17, 2009
Creator: Carpenter, David H. & Jickling, Mark
Partner: UNT Libraries Government Documents Department
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Food Safety in the 111th Congress: H.R. 2749 and S. 510

Description: This report discusses whether the current food safety system has the resources, authority, and structural organization to safeguard the health of American consumers, who spend more than $1 trillion on food each year. Also at issue is whether federal food safety laws, first enacted in the early 1900s, have kept pace with the significant changes that have occurred in the food production, processing, and marketing sectors since then.
Date: November 16, 2010
Creator: Johnson, Renée; Lister, Sarah A.; Williams, Erin D. & Burrows, Vanessa K.
Partner: UNT Libraries Government Documents Department
open access

Food Safety in the 111th Congress: H.R. 2749 and S. 510

Description: This report discusses whether the current food safety system has the resources, authority, and structural organization to safeguard the health of American consumers, who spend more than $1 trillion on food each year. Also at issue is whether federal food safety laws, first enacted in the early 1900s, have kept pace with the significant changes that have occurred in the food production, processing, and marketing sectors since then.
Date: October 15, 2010
Creator: Johnson, Renée
Partner: UNT Libraries Government Documents Department
open access

Food Safety in the 111th Congress: H.R. 2749 and S. 510

Description: This report discusses whether the current food safety system has the resources, authority, and structural organization to safeguard the health of American consumers, who spend more than $1 trillion on food each year. Also at issue is whether federal food safety laws, first enacted in the early 1900s, have kept pace with the significant changes that have occurred in the food production, processing, and marketing sectors since then.
Date: December 1, 2010
Creator: Johnson, Renée; Williams, Erin D.; Burrows, Vanessa K.; Upton, Harold F. & Monke, Jim
Partner: UNT Libraries Government Documents Department
open access

Food Safety in the 111th Congress: H.R. 2749 and S. 510

Description: This report discusses whether the current food safety system has the resources, authority, and structural organization to safeguard the health of American consumers, who spend more than $1 trillion on food each year. Also at issue is whether federal food safety laws, first enacted in the early 1900s, have kept pace with the significant changes that have occurred in the food production, processing, and marketing sectors since then.
Date: October 7, 2010
Creator: Johnson, Renée
Partner: UNT Libraries Government Documents Department
open access

Food Safety in the 111th Congress

Description: This report discusses whether the current food safety system has the resources, authority, and structural organization to safeguard the health of American consumers, who spend more than $1 trillion on food each year. Also at issue is whether federal food safety laws, first enacted in the early 1900s, have kept pace with the significant changes that have occurred in the food production, processing, and marketing sectors since then.
Date: September 23, 2010
Creator: Johnson, Renée
Partner: UNT Libraries Government Documents Department
open access

Policy Issues in the General Motors Vehicle Recall

Description: This report discusses the National Highway Traffic Safety Administration (NHTSA) process by which vehicle safety defects are identified and vehicles are recalled, as well as the impact that the 2009 GM bankruptcy may have on liability for this defect.
Date: March 31, 2014
Creator: Canis, Bill; Peterman, David Randall & Pettit, Carol A.
Partner: UNT Libraries Government Documents Department
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The Chained Consumer Price Index: What Is It and Would It Be Appropriate for Cost-of-Living Adjustments?

Description: Report that provides technical and logistical information on how the Chained Consumer Price Index for all Urban Consumers (C-CPI-U) is constructed and reported by the U.S. Bureau of Labor Statistics (BLS). It explains methodological and statistical differences between the standard Consumer Price Index (CPI) and the C-CPI-U. It then addresses a key impediment to moving to the C-CPI-U.
Date: June 12, 2013
Creator: Whittaker, Julie M.
Partner: UNT Libraries Government Documents Department
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Financial Market Turmoil and U.S. Macroeconomic Performance

Description: Lending in credit markets requires confidence in the borrowers' ability to repay the debt (principal and interest) in full and on schedule. The current turmoil in U.S. financial markets is the result of a breakdown in that necessary confidence. A number of indicators have pointed to a substantial rise in the cost of credit and a decrease in the flow of credit to the broader economy. Economic policy may be needed to get credit flowing smoothly again and to mitigate the damage incurred by househo… more
Date: June 9, 2009
Creator: Elwell, Craig K.
Partner: UNT Libraries Government Documents Department
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Telemarketing: Dealing with Unwanted Telemarketing Calls

Description: This report provides summaries of the federal laws and regulations particular to telemarketing, the establishment of a national do-not-call registry, and on the options that are available to consumers to attempt to limit the calls that they receive from telemarketers and to report questionable telemarketing practices to local or federal authorities. The report also lists sources of additional information with addresses, phone numbers, and Internet sites (if available) and will be updated as leg… more
Date: October 5, 2004
Creator: Riehl, James R.
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
Partner: UNT Libraries Government Documents Department
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Overview of the Medicare Prescription Drug, Improvement, and Modernization Act of 2003

Description: This report examines the the Medicare Prescription Drug, Improvement, and Modernization Act of 2003, which creates a prescription drug benefit for Medicare beneficiaries and establishes a new Medicare Advantage program to replace the current Medicare+Choice program.
Date: December 6, 2004
Creator: O'Sullivan, Jennifer; Chaikind, Hinda; Tilson, Sibyl; Boulanger, Jennifer & Morgan, Paulette
Partner: UNT Libraries Government Documents Department
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Trends in Utility Green Pricing Programs (2006)

Description: In the early 1990s, only a handful of utilities offered their customers a choice of purchasing electricity generated from renewable energy sources. Today, more than 750 utilities--or about 25% of all utilities nationally--provide their customers a "green power" option. Through these programs, more than 70 million customers have the ability to purchase renewable energy to meet some portion or all of their electricity needs--or make contributions to support the development of renewable energy res… more
Date: October 1, 2007
Creator: Bird, L. & Kaiser, M.
Partner: UNT Libraries Government Documents Department
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Burbank Transportation Management Organization: Impact Analysis

Description: The Burbank Transportation Management Organization (BTMO), a private, membership-based, nonprofit organization dedicated to traffic reduction and air quality improvement, contracted with the National Renewable Energy Laboratory (NREL), a U.S. Department of Energy-owned, contractor-operated national laboratory, to analyze its member programs and their benefits and effects. This report uses trip data collected by the BTMO, and defines and implements a methodology for quantifying non-traffic benef… more
Date: November 1, 2006
Creator: Brown, E. & Aabakken, J.
Partner: UNT Libraries Government Documents Department
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The FDA FY2009 Budget

Description: This report discusses the Food and Drug Administration's (FDA's) FY2009 budget request of $2.676 billion that would provide a 17.9% increase ($406 million) over FY2008. It includes an overview and breakdowns for specific programs: Foods Program, Human Drugs Program, Biologics program, Animal Drugs and Feed Program, and the Devices and Radiological Health Program.
Date: August 25, 2008
Creator: Johnson, Judith A.; Lister, Sarah A. & Porter, Donna V.
Partner: UNT Libraries Government Documents Department
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The Target and Other Financial Data Breaches: Frequently Asked Questions

Description: This report answers some frequently asked questions about the Target and selected other data breaches, including what is known to have happened in the breach, and what costs may result. It also examines some of the broader issues common to data breaches, including how the payment system works, how cybersecurity costs are shared and allocated within the payment system, who bears the losses in such breaches more generally, what emerging cybersecurity technologies may help prevent them, and what r… more
Date: February 4, 2015
Creator: Weiss, N. E. & Miller, Rena S.
Partner: UNT Libraries Government Documents Department
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