Congressional Research Service Reports - 40 Matching Results

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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.
Partner: UNT Libraries Government Documents Department

How Treasury Issues Debt

Description: This report examines Treasury's debt management practices, focusing on the auction process, how prices and interest rates of securities are determined, and the role of market participants in the process. It also addresses the role of debt plays in influencing present and future budget outcomes.
Date: August 18, 2016
Creator: Driessen, Grant A.
Partner: UNT Libraries Government Documents Department

Export-Import Bank: Frequently Asked Questions

Description: This report addresses frequently-asked questions about the Export-Import (Ex-Im) Bank, grouped in the following categories: congressional interest and the Ex-Im Bank reauthorization debate; market context; international context; organizational structure and management; programs; statutory requirements and policies; risk management; budget and appropriations; implications of a sunset in authority; and historical and current approaches to reauthorization.
Date: April 13, 2016
Creator: Akhtar, Shayerah Ilias; Carpenter, David H.; Driessen, Grant A. & Taylor, Julia
Partner: UNT Libraries Government Documents Department

Overview of Commercial (Depository) Banking and Industry Conditions

Description: This report begins with a general overview of the banking industry. It describes how banks facilitate the financial intermediation process as well as the associated financial risks. It also explains the market structure of the banking industry, referring primarily to the asset distribution. Next, this report summarizes profitability and lending activity levels in the banking industry. Particular attention is paid to metrics related to capitalization levels, asset performance, and earnings of depository banks.
Date: May 3, 2016
Creator: Getter, Darryl E.
Partner: UNT Libraries Government Documents Department

Financial Services and General Government (FSGG) FY2017 Appropriations: Overview

Description: This report discusses the Financial Services and General Government (FSGG) appropriations bill, which includes 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: June 20, 2016
Creator: Webel, Baird
Partner: UNT Libraries Government Documents Department

Negative Interest Rates

Description: In a few foreign economies, including the euro area, Switzerland, and Japan, central banks have purposely set some short-term interest rates used to carry out monetary policy at negative levels. This report briefly discusses the reasons behind this phenomenon.
Date: April 20, 2016
Creator: Labonte, Marc
Partner: UNT Libraries Government Documents Department

Ex-Im Bank: No Quorum, No Problem?

Description: This report discusses the operation on a limited basis of the Export-Import Bank (Ex-Im Bank) despite a renewal of its general statutory charter through FY2019 (P.L. 114-94,
Date: September 15, 2016
Creator: Akhtar, Shayerah Ilias
Partner: UNT Libraries Government Documents Department

Financial Services and General Government (FSGG) FY2017 Appropriations: Overview

Description: This report discusses the Financial Services and General Government (FSGG) appropriations bill, which includes funding for the Department of the Treasury (Title I), the Executive Office of the President (EOP, Title II), the judiciary (Title III), the District of Columbia (Title IV), and more than two dozen independent agencies (Title V). The bill typically funds mandatory retirement accounts in Title VI, which also contains additional general provisions applying to the funding provided agencies through the FSGG bill. Title VII contains general provisions applying government-wide. The FSGG bills have often also contained provisions relating to U.S. policy toward Cuba.
Date: June 20, 2016
Creator: Webel, Baird
Partner: UNT Libraries Government Documents Department

Regulation of Debit Interchange Fees

Description: 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.
Date: November 1, 2016
Creator: Getter, Darryl E.
Partner: UNT Libraries Government Documents Department

"Regulatory Relief" for Banking: Selected Legislation in the 114th Congress

Description: This report discusses regulatory relief legislation for banks in the 114th Congress that has seen floor action or has been ordered to be reported by a committee. Many, but not all, of the bills would make changes to the Dodd-Frank Act (P.L. 111-203), a wide-ranging financial reform enacted in response to the financial crisis.
Date: January 19, 2016
Creator: Hoskins, Sean M.; Gnanarajah, Raj; Labonte, Marc; Murphy, Edward V. & Shorter, Gary
Partner: UNT Libraries Government Documents Department

Federal Securities Law: Insider Trading

Description: This report discusses various regulations regarding insider trading violations. Insider trading in securities may occur when a person in possession of material nonpublic information about a company trades in the company's securities and makes a profit or avoids a loss.
Date: March 1, 2016
Creator: Seitzinger, Michael V.
Partner: UNT Libraries Government Documents Department

Federal Reserve Issues Final Rule on Emergency Lending

Description: This report briefly discusses major provisions of the Federal Reserve's (Fed's) Final Rule, governing emergency lending under Section 13(3) of the Federal Reserve Act and implementing Section 1101 of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank).
Date: January 6, 2016
Creator: Labonte, Marc & Murphy, M. M.
Partner: UNT Libraries Government Documents Department

Federal Securities Law: Insider Trading

Description: This report discusses various regulations regarding insider trading violations. Insider trading in securities may occur when a person in possession of material nonpublic information about a company trades in the company's securities and makes a profit or avoids a loss.
Date: February 2, 2016
Creator: Seitzinger, Michael V.
Partner: UNT Libraries Government Documents Department

The State of Campaign Finance Policy: Recent Developments and Issues for Congress

Description: This report provides an overview of the campaign finance landscape and policy issues that may confront Congress. It includes information about the development of campaign finance law with selected litigation as well as potential policy considerations and emerging issues.
Date: June 23, 2016
Creator: Garrett, R. S.
Partner: UNT Libraries Government Documents Department

Corporate Expatriation, Inversions, and Mergers: Tax Issues

Description: This report begins with a brief discussion of relevant portions of the U.S. corporate income tax system before examining how inversions were commonly structured. It then looks at how Congress and the Department of the Treasury have reduced the benefits of inversions, and concludes with an examination of methods that remain to invert and policy options available to prevent or limit these inversions.
Date: April 27, 2016
Creator: Marples, Donald J. & Gravelle, Jane G.
Partner: UNT Libraries Government Documents Department

Military Lending Act: Timeline, New Rules, and Issues

Description: This report briefly discusses new rules under the Military Lending Act (MLA) that change the definition of consumer credit for covered servicemembers and dependents; it will apply to transactions or accounts that are established on or after October 3, 2016. These rules may have an impact on the regulatory burdens for businesses that provide credit products to the military and may also affect military readiness.
Date: June 1, 2016
Creator: Kamarck, Kristy N.
Partner: UNT Libraries Government Documents Department

FHFA's Administrative Reform of Fannie Mae, Freddie Mac, and the Housing Finance System

Description: This report discusses housing finance reform and structural changes enacted by the Federal Housing Finance Agency (FHFA), particularly in relation to government-sponsored enterprises (GSEs). It includes sections on GSEs and conservatorship; FHFA reforms broken down into information about risk-sharing transactions, a common securitization platform, and single security; and Congressional action on GSE reform.
Date: May 23, 2016
Creator: Hoskins, Sean M.
Partner: UNT Libraries Government Documents Department

U.S.-EU Data Privacy: From Safe Harbor to Privacy Shield

Description: This report describes the financial harm caused by data breaches, explains how those breaches are carried out, discusses resolved and remaining impediments to completing the EMV (Europay, MasterCard, and Visa) transition in the United States, and identifies areas of potential Congressional interest.
Date: May 17, 2016
Creator: Moloney Figliola, Patricia
Partner: UNT Libraries Government Documents Department

Puerto Rico's Current Fiscal Challenges

Description: This report discusses multiple challenges the government of Puerto Rico faces in the fall of 2015. Concerns regarding the sustainability of Puerto Rico's public finances have intensified over the past year, despite several measures taken by the island's government to reduce spending, increase revenues, and restructure its obligations. The Puerto Rican government outlined a medium-term strategy to address those challenges in a fiscal plan put forth in mid-September 2015.
Date: June 3, 2016
Creator: Austin, D. A.
Partner: UNT Libraries Government Documents Department

The Puerto Rico Oversight, Management, and Economic Stability Act (PROMESA; H.R. 5278, S. 2328)

Description: The report presents a brief description of Puerto Rico, its relationship with the federal government, and its fiscal challenges. The body of the report provides a section-by-section description of H.R. 5278, including a short overview of the bill, along with a comparison with previous legislation involving control boards.
Date: July 1, 2016
Creator: Austin, D. A.
Partner: UNT Libraries Government Documents Department

Tolling U.S. Highways

Description: This report provides a brief history of tolling on federal roads and relevant current law. It also discusses financial realities on toll roads and tolling policy issues.
Date: August 26, 2016
Creator: Kirk, Robert S.
Partner: UNT Libraries Government Documents Department