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Social Security Administration: Administrative Budget Issues

Description: The Social Security Administration (SSA) administers the Social Security program (Old-Age, Survivors and Disability Insurance, or OASDI) and the Supplemental Security Income (SSI) program, and provides administrative support to Medicare and several other federal programs. Total SSA spending in FY2008 was about $658 billion, about 99% of which was mandatory spending on benefit payments. This report focuses on SSA’s administrative spending, which is discretionary and amounts to about 1% of SSA’s total spending. This funding is provided in the Labor, Health and Human Services, Education, and Related Agencies appropriations bill.
Date: May 18, 2009
Creator: Romig, Kathleen
Partner: UNT Libraries Government Documents Department

The Exon-Florio National Security Test for Foreign Investment

Description: This report covers the recent background of the Exon-Florio provision with special regards to issues faced in the 112th Congress. The Exon-Florio provision grants the President the authority to block proposed or pending foreign acquisitions of "persons engaged in interstate commerce in the United States" that threaten to impair the national security.
Date: October 1, 2012
Creator: Jackson, James K.
Partner: UNT Libraries Government Documents Department

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

Social Security: What Happens to Future Benefit Levels Under Various Reform Options

Description: The report first examines several benefit-constraint options. Among them are raising the age at which full Social Security retirement benefits can be received, changing the way initial benefits are computed, and constraining cost-of-living adjustments (COLAs). It also illustrates the effects of creating new personal savings accounts and presents their projected impact as a supplement to, or partial replacement of, the existing system, or as a means to close the gap between the benefit levels promised by the existing system and what can be paid under its projected future income. Finally, because across-the-board cuts may be seen as too severe for several types of recipients, other options that would ameliorate their effects, including one that would raise revenue, are also illustrated.
Date: August 20, 2001
Creator: Koitz, David; Kollmann, Geoffrey & Nuschler, Dawn
Partner: UNT Libraries Government Documents Department

The Federal Deposit Insurance Corporation (FDIC): Efforts to Support Financial and Housing Markets

Description: This report discusses recent actions taken by the FDIC in support of financial and housing markets, which include restoration of the Deposit Insurance Fund, the development of the Temporary Liquidity Guarantee Program, efforts to reduce foreclosures, and establishment of the proposed Public-Private Investment Fund. Legislation such as H.R. 786 (introduced by Representative Barney Frank); H.R. 1106, Helping Families Save Their Homes Act of 2009 (introduced by Representative John Conyers, Jr., with 24 co-sponsors); and S. 541, The Depositor Protection Act of 2009 (introduced by Senator Christopher Dodd with 12 co-sponsors) have also been introduced to increase the effectiveness of the FDIC’s efforts to respond to recent market weaknesses.
Date: March 27, 2009
Creator: Getter, Darryl E. & Gonzales, Oscar R.
Partner: UNT Libraries Government Documents Department

Loan Forgiveness for Public Service Employees Under the William D. Ford Direct Loan Program

Description: The College Cost Reduction and Access Act of 2007 (CCRAA; P.L. 110-84) establishes a new loan forgiveness provision for borrowers of loans made under the William D. Ford Direct Loan (DL) program who are employed in public service jobs for 10 years during the repayment of their loans. This report provides a brief description of the DL program loan forgiveness provision for public service employees and identifies issues that may be addressed as it is implemented.
Date: January 28, 2008
Creator: Smole, David P.
Partner: UNT Libraries Government Documents Department

The Recovery Rebates and Economic Stimulus for the American People Act of 2008 and Jumbo Mortgages

Description: This report discusses the H.R. 5140, the Recovery Rebates and Economic Stimulus for the American People Act of 2008, which would temporarily increase the maximum size of loans that Fannie Mae and Freddie Mac can purchase, and that the Federal Housing Administration (FHA) can insure.
Date: February 1, 2008
Creator: Weiss, N. Eric
Partner: UNT Libraries Government Documents Department

Financial Services and General Government (FSGG): FY2008 Appropriations

Description: This report is a guide to a new appropriations bill that Congress is considering for the first time this year. It is designed to supplement the information provided by the House and Senate Appropriations Subcommittees on Financial Services and General Government. It summarizes the status of the bill, its scope, major issues, funding levels, and related congressional activity.
Date: July 20, 2007
Creator: Hatch, Garrett L.
Partner: UNT Libraries Government Documents Department

Why is the Household Saving Rate So Low?

Description: This report begins by showing how much the household saving rate has declined in recent years. Next, it explains how household saving is measured, and provides some detail on how saving varies across the income distribution. Finally, it discusses factors that may account for the decline in household saving, as well as how much of a policy concern the decline in household saving may be.
Date: January 9, 2008
Creator: Cashell, Brian W.
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