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Social Security Reform: How Much of a Role Could Personal Retirement Accounts Play?

Description: This report illustrates the potential accumulations of personal savings accounts intended for retirement savings, given a range of possible contribution amounts and interest rates. It is intended to provide information about how to evaluate the possible role of personal accounts in the debate on Social Security reform.
Date: June 9, 2000
Creator: Koitz, David S.
Partner: UNT Libraries Government Documents Department

Federal Reserve: Emergency Lending

Description: This report provides a review of the history of Section 13(3) of the Dodd-Frank Wall Street Reform and Consumer Protection Act (the Dodd-Frank Act; P.L. 111-203), including its use in 2008. It discusses the Federal Reserve's (Fed's) authority under Section 13(3) before and after the Dodd-Frank Act as well as policy issues and legislation to amend Section 13(3).
Date: January 6, 2016
Creator: Labonte, Marc
Partner: UNT Libraries Government Documents Department

Campaign Finance

Description: This report discusses campaign finance practices and related issues. Concerns over financing federal elections have become a seemingly perennial aspect of our political system, centered on the enduring issues of high campaign costs and reliance on interest groups for needed campaign funds. The report talks about the today's paramount issues such as perceived loopholes in current law and the longstanding issues: overall costs, funding sources, and competition.
Date: April 20, 2005
Creator: Cantor, Joseph E.
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

Campaign Finance: Issues Before the U.S. Supreme Court in McConnell v. FEC

Description: This report provides a summary of the issues presented by 12 groups of appellants in their jurisdictional statements in 2003. Shortly after the Bipartisan Campaign Reform Act of 2002 (BCRA), P.L. 107-155 (H.R. 2356, 107th Cong.) was enacted in March 2002 (also known as the McCain-Feingold campaign finance reform legislation), Senator Mitch McConnell and others filed suit in U.S. District Court for D.C. against the Federal Election Commission (FEC) and the Federal Communications Commission (FCC) arguing that provisions of the law are unconstitutional. Ultimately, eleven suits challenging BCRA were brought by more than 80 plaintiffs and consolidated into one lead case, McConnell v. FEC. On May 2, 2003, the U.S. District Court for the District of Columbia issued its decision in McConnell v. FEC, No. 02-CV-0582 striking down some key provisions of the law as unconstitutional, but on May 19, it issued a stay of its ruling, which leaves BCRA, as enacted, in effect until the Supreme Court issues a decision. (For information about the decision, see CRS Report RS21511, Campaign Finance: Brief Overview of McConnell v. FEC.) Under the BCRA expedited review provision, the court's decision will be reviewed directly by the U.S. Supreme Court, which scheduled oral argument for September 8, 2003.
Date: June 20, 2003
Creator: Whitaker, L. P.
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

Risk Management and Critical Infrastructure Protection: Assessing, Integrating, and Managing Threats, Vulnerabilities and Consequences

Description: This report is meant to support congressional oversight by discussing, in more detail, what this task entails and issues that need to be addressed. In particular, the report defines terms (e.g., threat, vulnerability, and risk), discusses how they fit together in a systematic analysis, describes processes and techniques that have been used to assess them, and discusses how the results of that analysis can inform resource allocation and policy.
Date: July 17, 2007
Creator: Moteff, John
Partner: UNT Libraries Government Documents Department

Public Financing of Presidential Campaigns: Overview and Analysis

Description: This report discusses current controversies and arguments for and against public financing of presidential campaigns; legislative history; elements of the program; taxpayer and candidate participation; financial status of the program; recent legislation; and analysis of various policy proposals. If Congress chooses to alter the program, consensus will be necessary in what has historically been a particularly complex and contentious area of campaign finance policy.
Date: November 28, 2011
Creator: Garrett, R. Sam
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: Access to Capital and Job Creation

Description: This report addresses a core issue facing Congress during the 112th Congress: what, if any, additional action should the federal government take to enhance small business access to capital? After briefly discussing the role of small business in job creation and retention, this report provides an assessment of the supply and demand for small business loans. It also examines selected laws enacted during the 110th and 111th Congresses that were designed to enhance small business access to capital by increasing the supply of small business loans and/or the demand for small business loans. This report also includes empirical evidence concerning small business lending and borrowing, including the number and amount of small business loans guaranteed by the SBA.
Date: January 13, 2011
Creator: Dilger, Robert J. & Gonzales, Oscar R.
Partner: UNT Libraries Government Documents Department

Agricultural Credit: Institutions and Issues

Description: The federal government has a long history of providing credit assistance to farmers by issuing direct loans and guarantees, and creating rural lending institutions. These institutions include the Farm Service Agency (FSA) of the U.S. Department of Agriculture (USDA), which makes or guarantees loans to farmers who cannot qualify at other lenders, and the Farm Credit System (FCS), which is a network of borrower-owned lending institutions operating as a government-sponsored enterprise. This report discusses legislation regarding this credit assistance expected in the the 110th Congress. Appropriators will consider funding for FSA’s farm loan programs, and the agriculture committees may consider changes to FSA and FCS lending programs. The 2007 farm bill is expected to be the venue for many of the authorizing issues, although stand-alone legislation may be used for extensive reforms.
Date: March 8, 2007
Creator: Monke, Jim
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

Social Security Reform

Description: This report provides background and analysis on social security reform. The report discusses the most recent development, the basis for the debate, specific areas of contention and reform initiatives.
Date: December 3, 2003
Creator: Kollmann, Geoffrey & Nuschler, Dawn
Partner: UNT Libraries Government Documents Department

Small Business: Access to Capital and Job Creation

Description: The Small Business Administration’s (SBA) authorization is due to expire on September 30, 2010. The SBA administers several programs to support small businesses, including loan guarantees to help small businesses gain access to capital. This report addresses a core issue facing Congress during the SBA’s reauthorization process: what, if any, additional action should the federal government take to enhance small business access to capital?
Date: September 1, 2010
Creator: Dilger, Robert J. & Gonzales, Oscar R.
Partner: UNT Libraries Government Documents Department