Congressional Research Service Reports - 416 Matching Results

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Introduction to Financial Services: International Supervision

Description: This report discusses the financial crisis of 2007-2008 and subsequent global economic turmoil that underscored the interconnectedness of the global financial system as well as its weaknesses. In the wake of the crisis, leaders from the United States and other countries have pursued a wide range of reforms to the international financial regulatory system.
Date: February 10, 2015
Creator: Weiss, Martin A.
Partner: UNT Libraries Government Documents Department

International Monetary Fund: Background and Issues for Congress

Description: This report evaluates the purpose, membership, financing, and focus of the International Monetary Fund's (IMF) activities. It also discusses the role of Congress in shaping U.S. policy at the IMF and concludes by addressing key issues, both legislative and oversight-related, that Congress may wish to consider, including: the role of the IMF as a lender of last resort; the adequacy of IMF resources; and the effectiveness of IMF surveillance.
Date: July 17, 2014
Creator: Weiss, Martin A.
Partner: UNT Libraries Government Documents Department

International Monetary Fund: Background and Issues for Congress

Description: This report evaluates the purpose, membership, financing, and focus of the International Monetary Fund's (IMF) activities. It also discusses the role of Congress in shaping U.S. policy at the IMF and concludes by addressing key issues, both legislative and oversight-related, that Congress may wish to consider.
Date: March 21, 2013
Creator: Weiss, Martin A.
Partner: UNT Libraries Government Documents Department

International Monetary Fund: Background and Issues for Congress

Description: This report evaluates the purpose, membership, financing, and focus of the International Monetary Fund's (IMF) activities. It also discusses the role of Congress in shaping U.S. policy at the IMF and concludes by addressing key issues, both legislative and oversight-related, that Congress may wish to consider, including: the role of the IMF as a lender of last resort; the adequacy of IMF resources; and the effectiveness of IMF surveillance.
Date: September 19, 2011
Creator: Weiss, Martin A.
Partner: UNT Libraries Government Documents Department

International Monetary Fund: Background and Issues for Congress

Description: This report evaluates the purpose, membership, financing, and focus of the International Monetary Fund's (IMF) activities. It also discusses the role of Congress in shaping U.S. policy at the IMF and concludes by addressing key issues, both legislative and oversight-related, that Congress may wish to consider, including: the role of the IMF as a lender of last resort; the adequacy of IMF resources; and the effectiveness of IMF surveillance.
Date: June 12, 2012
Creator: Weiss, Martin A.
Partner: UNT Libraries Government Documents Department

Ability to Repay, Risk-Retention Standards, and Mortgage Credit Access

Description: This report examines the developments associated with the implementation of mortgage lending reforms. The report begins with a summary of proposed ability to repay and risk-retention standards. Next, the report describes risky underwriting and financing practices that occurred prior to the mortgage crisis, followed by a discussion of how access to mortgage credit might be affected.
Date: June 5, 2012
Creator: Getter, Darryl E.
Partner: UNT Libraries Government Documents Department

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 operating requirements for lenders and borrowers, and examines the arguments presented by the program’s critics and advocates. It then discusses P.L. 111-240, the Small Business Jobs Act of 2010, which increased the Microloan program’s loan limit for borrowers from $35,000 to $50,000, and the aggregate loan limit for intermediaries after their first year of participation in the program from $3.5 million to $5 million.
Date: May 28, 2015
Creator: Dilger, Robert Jay
Partner: UNT Libraries Government Documents Department

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

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
Partner: UNT Libraries Government Documents Department

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.
Partner: UNT Libraries Government Documents Department

Budgetary Treatment of Federal Credit (Direct Loans and Loan Guarantees): Concepts, History, and Issues for Congress

Description: The purpose of this report is to explain the provisions of the Federal Credit Reform Act of 1990 or FCRA; examine the implementation of credit reform, including credit reform provisions of the Balanced Budget Act of 1997 (P.L. 105- 33, §1011; 111 Stat. 254,692); discuss proposed modifications of credit reform; and describe proposed legislation in the 113th Congress.
Date: June 24, 2014
Creator: Levit, Mindy R.
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

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 and debate. In addition, this report provides a list of Congressional Research Service reports that examine specific bills, including the Financial CHOICE Act (H.R. 10) and bills proposing to provide regulatory relief for banks.
Date: May 26, 2017
Creator: Perkins, David W.
Partner: UNT Libraries Government Documents Department

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 Consumer Financial Protection Bureau (CFPB), and the Federal Reserve.
Date: September 8, 2017
Creator: Labonte, Marc; Carpenter, David H.; Davis, Christopher M.; Perkins, David W.; Shorter, Gary & Webel, Baird
Partner: UNT Libraries Government Documents Department

S. 488, H.R. 1343, and Section 406 of H.R. 10: Encouraging Employee Ownership

Description: This report provides background and a policy discussion of similar legislation, S. 488, H.R. 1343 (which passed the House on April 4, 2017), and Section 406 in H.R. 10, the Financial CHOICE Act, which passed the House on June 8, 2017. According to H.R. 1343's sponsor, Representative Randy Hultgren, the legislation is aimed at "eas[ing] the ability of companies to offer ownership to their ... employees."
Date: August 22, 2017
Creator: Shorter, Gary
Partner: UNT Libraries Government Documents Department

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 might increase the number of swaps that qualify as hedges, and mandate that, starting 18 months from enactment, the regulatory requirements of the eight largest foreign swaps markets be considered comparable to those of the United States--unless the CFTC issued a rule finding that any of those foreign jurisdictions' requirements were not comparable to U.S. requirements.
Date: September 29, 2017
Creator: Miller, Rena S.
Partner: UNT Libraries Government Documents Department

Supervision of U.S. Payment, Clearing, and Settlement Systems: Designation of Financial Market Utilities (FMUs)

Description: This report outlines the changes to the supervision of key market infrastructure that are embodied in the Dodd-Frank Act. It is intended to be used as a reference for those interested in the financial system's "plumbing," and how the associated systems are currently overseen and regulated.
Date: September 10, 2012
Creator: Labonte, Marc
Partner: UNT Libraries Government Documents Department

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. 1155/H.R. 1064, and H.R. 4871).
Date: January 2, 2015
Creator: Webel, Baird
Partner: UNT Libraries Government Documents Department