Also tagged in: Advertising, Business, Consumers, Defective products, Electronic commerce, Electronic mail systems, Employee benefit plans, Labor, Product safety, Telecommunication, Wireless communication
Latest Action: 06/16/2008 - Read twice and referred to the Committee on Commerce, Science, and Transportation. Bill TextA bill to prohibit text message spam. 6/16/2008--Introduced. Do-Not-Text Act of 2008 - Amends the CAN-SPAM Act of 2003 to exclude from the definition of "mobile service commercial message" a commercial e-mail if the message's primary purpose is to: (1) facilitate, complete, or confirm a transaction between the message recipient and the sender; (2) provide warranty, recall, safety, or security information regarding the recipient's product or service; (3) provide notice of a change in terms or conditions, a change in the status of the recipient, or account statements regarding a subscription, membership, account, loan, or comparable ongoing commercial relationship; (4) provide information regarding an employment relationship or benefit plan in which the recipient is involved; or (5) deliver goods or services, including updates or upgrades, that the recipient is entitled to receive.Declares that provisions relating to the application of the Act to wireless do [...] show full description
Also tagged in: Accounting, Administrative procedure, Auctions, Bankruptcy, Budgets, Collection of accounts, Communications, Computer software, Conflict of interests, Congress, Congressional investigations, Congressional reporting requirements, Consumer education, Consumer protection, Consumers, Counseling, Criminal justice, Criminal justice information, Debt, Debtor and creditor, Department of Housing and Urban Development, Electronic data interchange, Eviction, Executive departments, Executive reorganization, Federal advisory bodies, Federal aid to housing, Federally-guaranteed loans, Fees, Finance, Financial services, Fines (Penalties), Foreclosure, Fraud, Government information, Government publications, Government publicity, Government trust funds, Home ownership, Housing, Housing finance, Identification of criminals, Income tax, Inspectors general, Insurance premiums, Law, Legal aid, Liens, Loan defaults, Mortgage banks, Mortgage guaranty insurance, Mortgage interest rates, Mortgages, Politics and government, Prosecution, Public prosecutors, Public service advertising, Real estate appraisal, Recruiting of employees, Rental housing, Risk, Secondary mortgage market, Securities, Settlement costs, Social services, Tax returns, Taxation, Technology, Telecommunication, Veterans, Veterans' benefits
Latest Action: 05/05/2008 - Reported (Amended) by the Committee on Financial Services. H. Rept. 110-619. Bill TextTo create a voluntary FHA program that provides mortgage refinancing assistance to allow families to stay in their homes, protect neighborhoods, and help stabilize the housing market. 5/5/2008--Reported to House amended. (There is 1 other summary) FHA Housing Stabilization and Homeownership Retention Act of 2008 - Title I: Homeownership Retention - (Sec. 102) Amends the National Housing Act (NHA) to create the Refinance Program Oversight Board, which shall establish and oversee a program for insuring homeownership retention mortgages. Instructs the Secretary of Housing and Urban Development (HUD) to insure any homeownership retention mortgage covering a one- to four-family residence made to pay or prepay outstanding obligations under an existing mortgage on the residence. Sets forth mortgagor eligibility criteria, including mortgagor certification that: (1) the residence is the only residence in which the mortgagor has any present [...] show full description
Also tagged in: Actions and defenses, Administrative procedure, Business, Civil rights, Collection of accounts, Consumer credit, Consumer education, Consumer protection, Consumers, Contracts, Credit bureaus, Credit insurance, Criminal justice, Damages, Deceptive advertising, Discrimination in consumer credit, Executive departments, Federal preemption, Federal reserve system, Fees, Finance, Finance charges, Fraud, Government information, Government paperwork, Instalment plan, Insurance premiums, Interest, Interest rates, Law, Lease and rental services, Legal fees, Liability (Law), Restrictive trade practices, Sales promotion, State and local government, State laws, Trade regulation
Latest Action: 05/25/2007 - Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. Bill TextA bill to amend the Consumer Credit Protection Act, to protect consumers from inadequate disclosures and certain abusive practices in rent-to-own transactions, and for other purposes. 5/25/2007--Introduced. Rent-To-Own Reform Act of 2007 - Amends the Consumer Credit Protection Act to prohibit a seller in a rent-to-own transaction from receiving or assessing any interest, finance charge, or other fee for the transaction that exceeds the interest, fees, or finance charges permissible under the laws of the state in which the seller is located which establish: (1) a maximum rate or amount of interest, finance charge, or time-price differential that may be charged in connection with a credit sale or retail installment sale for the same or a similar item; (2) the types of fees and the maximum amount of fees that a seller may so charge; or (3) the types of credit insurance and the maximum amount of premiums that can be charged for credit insurance in such a connection. Permits [...] show full description
Also tagged in: Actions and defenses, Administrative procedure, Advertising, Business, Business records, Communications, Consumer credit, Consumer education, Consumer protection, Consumers, Contracts, Criminal justice, Criminal liability, Damages, Deceptive advertising, District courts, Evidence (Law), Executive departments, Federal preemption, Federal reserve system, Federal Trade Commission, Fees, Finance, Financial statements, Fines (Penalties), Fraud, Garnishment, Government information, Government liability, Government paperwork, Independent regulatory commissions, Injunctions, Insurance premiums, Labeling, Labor, Law, Lease and rental services, Leases, Liability (Law), Liability insurance, Limitation of actions, Maintenance and repair, Negotiable instruments, Parties to actions, Prices, Property insurance, Rent, Restrictive trade practices, Small business, State and local government, State laws, Surety and fidelity, Taxation
Latest Action: 06/08/2007 - Referred to the Subcommittee on Financial Institutions and Consumer Credit. Bill TextTo amend the Consumer Credit Protection Act to assure meaningful disclosures of the terms of rental-purchase agreements, including disclosures of all costs to consumers under such agreements, to provide certain substantive rights to consumers under such agreements, and for other purposes. 3/29/2007--Introduced. Consumer Rental Purchase Agreement Act - Amends the Consumer Credit Protection Act to prescribe consumer protection guidelines for rental-purchase transactions, including: (1) the determination of rental-purchase cost; (2) disclosure requirements; (3) prohibitions against confessions of judgment, wage assignments, and waiver of consumer claims or defenses; (4) furnishing of statements of account; (5) point-of-rental disclosures; and (6) rental-purchase advertising disclosures. Declares that an action for civil liability may be brought against a merchant's assignee only if the violation is apparent on the face of a rental-purchase agreement to which it relates,[...] show full description
Also tagged in: Actions and defenses, Administrative procedure, Advertising, Business, Business records, Communications, Consumer credit, Consumer education, Consumer protection, Consumers, Contracts, Criminal justice, Criminal liability, Damages, Deceptive advertising, District courts, Evidence (Law), Executive departments, Federal preemption, Federal reserve system, Federal Trade Commission, Fees, Finance, Financial statements, Fines (Penalties), Fraud, Garnishment, Government information, Government liability, Government paperwork, Independent regulatory commissions, Injunctions, Insurance premiums, Labeling, Labor, Law, Lease and rental services, Leases, Liability (Law), Liability insurance, Limitation of actions, Maintenance and repair, Negotiable instruments, Parties to actions, Prices, Property insurance, Rent, Restrictive trade practices, Small business, State and local government, State laws, Surety and fidelity, Taxation
Latest Action: 03/28/2007 - Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. Bill TextA bill to amend the Consumer Credit Protection Act to assure meaningful disclosures of the terms of rental-purchase agreements, including disclosures of all costs to consumers under such agreements, to provide certain substantive rights to consumers under such agreements, and for other purposes. 3/28/2007--Introduced. Consumer Rental-Purchase Agreement Act of 2007 - Amends the Consumer Credit Protection Act to prescribe consumer protection guidelines for rental-purchase transactions, including: (1) the determination of rental-purchase cost; (2) disclosure requirements; (3) prohibitions against confessions of judgment, wage assignments, and waiver of consumer claims or defenses; (4) furnishing of statements of account; (5) point-of-rental disclosures; and (6) rental-purchase advertising disclosures. Declares that an action for civil liability may be brought against a merchant's assignee only if the violation is apparent on the face of a rental-purchase agreement to which [...] show full description
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