Congressional Research Service Reports - 200 Matching Results

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Consumer Bankruptcy Reform: Proposals Before the 105th Congress

Description: This report examines current consumer bankruptcy practice and the proposals set forth in the reform bills. Also considered are the legislative history of the current consumer bankruptcy scheme, and topics likely to be debated as Congress proceeds to consider consumer bankruptcy reform.
Date: March 20, 1998
Creator: Jeweler, Robin
Partner: UNT Libraries Government Documents Department

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; the Bureau's general and specific rulemaking powers and procedures; and the Bureau's funding.
Date: January 14, 2014
Creator: Carpenter, David H.
Partner: UNT Libraries Government Documents Department

The Consumer Price Index: An Overview

Description: The consumer price index is probably the most widely used measure of inflation. Changes i n the index affect the incomes of a substantial portion of the U.S. population. This report provides background information on the history and concepts of the index. In addition, several factors which may produce biases in the index are analyzed. The objective is to provide an introduction to the CPI f o r the policy maker who wishes to acquire a working knowledge of the concept as an aid in examining economic policy alternatives.
Date: December 14, 1979
Creator: Esenwein, Gregg A. & Molefsky, Barry
Partner: UNT Libraries Government Documents Department

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

Consumer Proposals in the Bankruptcy Reform Act of 1998: H.R. 3150, 105th Congress, 2d Session (1998)

Description: This report considers the legislative history of the current consumer bankruptcy scheme. It examines current consumer bankruptcy practice and surveys the consumer proposals set forth in Title I of H.R. 3150, with an emphasis on the likely impact of the bill on family support obligations.
Date: June 1, 1998
Creator: Jeweler, Robin
Partner: UNT Libraries Government Documents Department

Consumers and Food Price Inflation

Description: The heightened commodity price volatility of 2008 and the subsequent acceleration in U.S. food price inflation raised concerns and generated many questions about farm and food price movements by Members of Congress and their constituents. This report responds to those concerns by addressing the nature and measurement of retail food price inflation.
Date: November 4, 2009
Creator: Schnepf, Randy & Richardson, Joe
Partner: UNT Libraries Government Documents Department

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 inflation can have on government food programs and the more vulnerable consumer groups.
Date: September 13, 2013
Creator: Schnepf, Randy
Partner: UNT Libraries Government Documents Department

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 inflation can have on government food programs and the more vulnerable consumer groups.
Date: April 14, 2011
Creator: Schnepf, Randy & Richardson, Joe
Partner: UNT Libraries Government Documents Department

Copyright Law: Digital Rights Management Legislation

Description: Digital Rights Management (DRM) refers to the technology that copyright owners use to protect digital media. This report surveys several of the DRM bills that were introduced in the 107th Congress and those that are pending in the 108th Congress. Generally, the bills are directed at two separate goals. One goal is to increase access to digitally-protected media for lawful purposes. The other attempts to thwart digital piracy and would do so by enhancing civil and criminal sanctions for digital (and traditional) copyright infringement and educating the public about the rights of copyright holders.
Date: October 1, 2004
Creator: Jeweler, Robin
Partner: UNT Libraries Government Documents Department

Copyright Law: Digital Rights Management Legislation

Description: Digital Rights Management (DRM) refers to the technology that copyright owners use to protect digital media. This report surveys several of the DRM bills that were introduced in the 107th Congress and those that are pending in the 108th Congress. Generally, the bills are directed at two separate goals. One goal is to increase access to digitally-protected media for lawful purposes. The other attempts to thwart digital piracy and would do so by enhancing civil and criminal sanctions for digital (and traditional) copyright infringement and educating the public about the rights of copyright holders.
Date: August 2, 2004
Creator: Jeweler, Robin
Partner: UNT Libraries Government Documents Department

Copyright Law: Digital Rights Management Legislation

Description: Digital Rights Management (DRM) refers to the technology that copyright owners use to protect digital media. This report surveys several of the DRM bills that were introduced in the 107th Congress and those that are pending in the 108th Congress. Generally, the bills are directed at two separate goals. One goal is to increase access to digitally-protected media for lawful purposes. The other attempts to thwart digital piracy and would do so by enhancing civil and criminal sanctions for digital (and traditional) copyright infringement and educating the public about the rights of copyright holders.
Date: May 28, 2004
Creator: Jeweler, Robin
Partner: UNT Libraries Government Documents Department

Copyright Law: Digital Rights Management Legislation

Description: Digital Rights Management (DRM) refers to the technology that copyright owners use to protect digital media. This report surveys several of the DRM bills that were introduced in the 107th Congress and those that are pending in the 108th Congress. Generally, the bills are directed at two separate goals. One goal is to increase access to digitally-protected media for lawful purposes. The other attempts to thwart digital piracy and would do so by enhancing civil and criminal sanctions for digital copyright infringement and educating the public about the rights of copyright holders.
Date: December 18, 2003
Creator: Jeweler, Robin
Partner: UNT Libraries Government Documents Department

Copyright Law: Digital Rights Management Legislation in the 107th and 108th Congresses

Description: Digital Rights Management (DRM) refers to the technology that copyright owners use to protect digital media. This report surveys several of the DRM bills that were introduced in the 107th and 108th Congresses. Generally, the bills are directed at two separate goals. One goal is to increase access to digitally-protected media for lawful purposes. The other attempts to thwart digital piracy and would do so by enhancing civil and criminal sanctions for digital (and traditional) copyright infringement and educating the public about the rights of copyright holders.
Date: January 5, 2005
Creator: Jeweler, Robin
Partner: UNT Libraries Government Documents Department

The Cost of Prescription Drugs for the Uninsured Elderly and Legislative Approaches

Description: The purpose of this report is to explain why many of those who are least able to afford high drug costs are those who are most frequently charged the most. This report describes the basic economic theory underlying price differentiation and, in the context of the pharmaceutical market, analyzes the role and behavior of pharmacy benefit managers (PBMs), pharmaceutical manufacturers, and retail pharmacies, respectively. It also looks at a number of the criticisms that have been made of the practice of differential pricing. Finally, this report discusses various policy approaches aimed at assisting the elderly to purchase prescription drugs.
Date: January 16, 2001
Creator: Library of Congress. Congressional Research Service. Resources, Science, and Industry Division.
Partner: UNT Libraries Government Documents Department

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

Credit Default Swaps: Frequently Asked Questions

Description: Credit default swaps are contracts that provide protection against default by third parties, similar to insurance. These financial derivatives are used by banks and other financial institutions to manage risk. The rapid growth of the derivatives market, the potential for widespread credit defaults (such as defaults for subprime mortgages), and operational problems in the over-the-counter (OTC) market where credit default swaps are traded, have led some policymakers to inquire if credit default swaps are a danger to the financial system and the economy. This report defines credit default swaps, explains their use by banks for risk management, and discusses the potential for systemic risk.
Date: July 30, 2008
Creator: Murphy, Edward Vincent
Partner: UNT Libraries Government Documents Department

Data Security: Protecting the Privacy of Phone Records

Description: This report discusses recent legislative and regulatory efforts to protect the privacy of customer telephone records, and efforts to prevent the unauthorized use, disclosure, or sale of such records by data brokers. In addition, it provides a brief overview of the confidentiality protections for customer information established by the Communications Act of 1934.
Date: May 17, 2006
Creator: Stevens, Gina Marie & Rainson, Tara Alexandra
Partner: UNT Libraries Government Documents Department

Data Security: Protecting the Privacy of Phone Records

Description: This report discusses recent legislative and regulatory efforts to protect the privacy of customer telephone records, and efforts to prevent the unauthorized use, disclosure, or sale of such records by data brokers. In addition, it provides a brief overview of the confidentiality protections for customer information established by the Communications Act of 1934.
Date: February 28, 2006
Creator: Stevens, Gina Marie & Rainson, Tara Alexandra
Partner: UNT Libraries Government Documents Department