Bill· HRH.R. 5178 (103rd)referred
United States · United States Congress · 5 October 1994
TABLE OF CONTENTS: Title I: Amendments to Fair Credit Reporting Act Title II: Credit Repair Organizations Title III: Truth in Lending Act Title IV: Disaster Relief Title I: Amendments to Fair Credit Reporting Act - Consumer Reporting Reform Act of 1994 - Amends the Fair Credit Reporting Act (the Act) to specify that the term "credit transaction which is not initiated by the consumer" does not include use of a consumer report (CR) by a person with which the consumer has an account for purposes of reviewing or collecting the account. (Sec. 102) Excludes certain communications by employment agencies from the definition of "consumer report." (Sec. 103) Allows the furnishing of a CR for: (1) a legitimate business need in connection with a business transaction that is initiated by the consumer; and (2) employment purposes only if certain disclosures are made, the consumer consents, and the information will not be used in violation of any Federal or State equal employment opportunity law or regulation. Permits the furnishing or use of a CR for employment purposes only if the employment is expected to require: (1) a Federal security clearance; (2) an employee to be covered by a fidelity bond; or (3) an employee to have access to substantial amounts of cash or other things of value or to engage in any activity with respect to which the employee has a fiduciary duty. (Sec. 104) Prohibits: (1) using or obtaining information from a CR unless it is obtained for an authorized purpose and the purpose is certified under certain provisions of the Act; (2) the furnishing of a CR for use in credit transactions not initiated by the consumer; and (3) a credit reporting agency (CRA), in connection with employment or credit transaction purposes, from furnishing, without the consumer's consent, a CR which contains medical information. Requires CRAs to maintain a notification system, including a toll- free telephone number, which permits any consumer to elect to be excluded from lists provided in connection with solicitations of credit not initiated by the consumer. (Sec. 106) Removes exceptions to prohibitions on reporting obsolete information. (Current law prohibits reporting information which is over a specified number of years old, except for credit transactions, life insurance, or employment involving amounts over specified limits.) Regulates the beginning of the seven-year reporting period for certain types of information. Requires CRAs to include in CRs information that a consumer voluntarily closed an account and to indicate any information that is disputed by a consumer. Includes in CRs and CRA consumer files any information regarding failure of a consumer to make payment on an account that was due in a period during which such consumer was receiving disaster assistance or unemployment compensation if, the consumer requests the inclusion of such information and provides documentation regarding the receipt of such assistance or compensation. (Sec. 107) Prohibits a person who procures a CR from reselling the information unless the identity of the end user and the purpose is disclosed to the CRA. (Sec. 108) Requires a CRA to: (1) disclose to a consumer all information in the consumer's file, certain information about the recipients of a CR, the permissible purpose for which each recipient procured a CR, a record of inquiries in the last year that identified the consumer in connection with a credit transaction which was not initiated by the consumer, and, with any such disclosures, a summary of the consumer's rights under the Act; and (2) unless the dispute is frivolous or irrelevant to reinvestigate disputed information free of charge or delete the item from the file, to notify the information furnisher, to delete inaccurate, incomplete, or unverifiable information, and to notify the consumer of the results of the reinvestigation. (Sec. 109) Requires CRAs, upon request of a consumer, to provide at least one free CR to a consumer during the 12-month period after the consumer receives a notification of the deletion of inaccurate or unverifiable information. Requires certain CRAs to implement automated reinvestigation systems. (Sec. 110) Regulates charges by CRAs for certain disclosures. Provides for certain free disclosures to a consumer if the consumer certifies that he or she is unemployed or is a recipient of public welfare assistance or has reason to believe that the consumer file is inaccurate due to fraud. (Sec. 111) Requires any person who takes an adverse action with respect to a consumer in connection with a transaction initiated by the consumer or an employment determination to notify the consumer, disclose the identity of the CRA furnishing the report, and advise the consumer of certain rights. Provides for certain notifications and disclosures to consumers in cases where adverse actions are taken by affiliates of users of credit information. Specifies the duties of persons taking certain actions based on information provided by affiliates. (Sec. 112) Subjects any person (currently, any CRA or user of information) to civil liability for willful or negligent noncompliance with the Act. (Sec. 113) Sets forth: (1) duties of furnishers of information to CRAs, including a prohibition on furnishing information which the furnisher should have known is incomplete or inaccurate; and (2) provisions regarding investigative consumer reports. Increases criminal penalties for obtaining information under false pretenses. (Sec. 117) Authorizes State civil actions to enforce the Act, subject to a specified limitation. (Sec. 119) Preempts any State law relating to CR and CRA requirements imposed under this Act with specified exceptions. (Sec. 120) Allows the Federal Trade Commission (FTC) to modify or make more stringent certain requirements if found necessary for the protection of consumers. (Sec. 121) Amends the Fair Debt Collection Practices Act to provide exceptions to certain debt collection practices with respect to communications. (Sec. 122) Amends the Fair Credit Reporting Act to authorize the furnishing of consumer reports to certain officials for purposes relating to child support. (Sec. 123) Requires a CRA to identify financial institutions at which a consumer maintains or has maintained an account for purposes of foreign counterintelligence investigations. Authorizes a court, if requested by the Director of the Federal Bureau of Investigation (FBI), to issue an order directing a CRA to furnish a CR to the FBI upon a showing in camera that: (1) the CR is necessary for an authorized foreign counterintelligence investigation; and (2) there are facts giving reason to believe that the consumer whose CR is sought is a foreign agent and is engaging or has engaged in international terrorism or clandestine intelligence activities that may involve a criminal violation. Limits the FBI's use of such CRs and sets forth prohibitions on disclosure. Permits disclosure to the consumer upon completion of the FBI investigation. Makes the FBI or the Department of Justice liable to the consumer for damages for disclosure violations. Terminates court order provisions of this section five years after this Act's enactment. (Sec. 126) Expresses the sense of the Senate that: (1) individuals should generally be judged on their own credit worthiness and not on the zip code or neighborhood in which they live; and (2) the FTC shall report to the Senate Committee on Banking, Housing, and Urban Affairs on whether and how the location of the residence for unsecured credit is considered by financial institutions in deciding whether to grant credit. Title II: Credit Repair Organizations - Amends the Consumer Credit Protection Act to provide that specified provisions of that Act may be cited as the Credit Repair Organizations Act. (Sec. 201) Prohibits: (1) advising any consumer to make an untrue or misleading statement, or to alter the consumer's identification to prevent the display of the consumer's credit record; (2) other fraud or deception; and (3) a credit repair organization (CRO) from charging or receiving valuable consideration for any service before such service is fully performed. Specifies a statement which a CRO must provide to consumers before an agreement is executed regarding the consumer, the CRO, and related rights, powers, and obligations. Requires written, signed contracts covering specified matters in order for a CRO to provide services. Allows a consumer to cancel a contract with a CRO within three business days of making the contract. Declares void any consumer waiver of any protection under this title. Makes an attempt to obtain a waiver a violation of this title. Voids any contract not in compliance with this title. Provides for civil liability for failing to comply with this title, including allowing punitive damages and class actions. Requires enforcement of this title under the Federal Trade Commission Act (FTCA) by the FTC. Makes: (1) a violation of this title an unfair or deceptive act or practice in violation of specified provisions of the FTCA; and (2) all functions and powers of the FTC available for enforcement of this title. Establishes a statute of limitations for actions to enforce liability under this title. Title III: Truth in Lending Act - Amends the Truth in Lending Act to include certain intangible taxes and delivery fees as finance charges for purposes of consumer credit cost disclosure. Declares that creditors have no civil or criminal liability, and that consumers have no extended rescission rights, due to a creditor's improper disclosure of such taxes and fees for transactions consummated prior to February 1, 1995. Title IV: Disaster Relief - Authorizes the Board of Governors of the Federal Reserve System to make exceptions to the Truth in Lending Act and the Expedited Funds Availability Act for transactions within a disaster area resulting from damage related to tropical storm Alberto, if the exceptions can reasonably be expected to alleviate hardships to the public that outweigh possible adverse effects. Expresses the sense of the Congress that the Board of Governors of the Federal Reserve System, the Comptroller of the Currency, the Director of the Office of Thrift Supervision, the Federal Deposit Insurance Corporation, and the National Credit Union Administration should encourage depository institutions to meet the financial service needs of their communities and customers located in areas affected by the 1994 flooding in Georgia, Alabama, and Florida resulting from tropical storm Alberto.
Bill· HJRESH.J.Res. 418 (103rd)open
United States · United States Congress · 28 September 1994
Designates October 19, 1994, as National Mammography Day.
Law· HJRESH.J.Res. 415 (103rd)enacted
United States · United States Congress · 27 September 1994
Designates the week beginning October 16, 1994, as National Penny Charity Week.
Law· HRH.R. 5102 (103rd)enacted
United States · United States Congress · 26 September 1994
Amends the Violent Crime Control and Law Enforcement Act of 1994 to revise the definition of "Congressional Medal of Honor" to include such medals awarded to members of the Air Force, Navy, and Marines (currently, limited to Army).
Resolution· HRESH.Res. 546 (103rd)referred
United States · United States Congress · 23 September 1994
Expresses the sense of the House of Representatives that all U.S. armed forces should be withdrawn from Haiti not later than December 31, 1994.
Bill· HJRESH.J.Res. 413 (103rd)referred
United States · United States Congress · 22 September 1994
Designates November 1, 1994, as National Family Literacy Day.
Bill· HRH.R. 5082 (103rd)referred
United States · United States Congress · 22 September 1994
Amends the Omnibus Budget Reconciliation Act of 1990 to extend from three years to five years the period during which Medicare select policies may be issued.
Bill· HRH.R. 5062 (103rd)open
United States · United States Congress · 20 September 1994
Amends the Internal Revenue Code to make permanent the limited deduction for the health insurance costs of self-employed individuals.
Bill· HRH.R. 5037 (103rd)referred
United States · United States Congress · 13 September 1994
Bipartisan Health Care Reform Commission Act of 1994 - Establishes an independent Bipartisan Health Care Reform Commission to: (1) conduct an analysis of the health care systems of the States, as well as proposed or enacted reforms of such systems, and of the problems relating to Federal programs and policies relating to health care; (2) analyze private sector health systems; and (3) make recommendations on reforms that the Congress should consider in response to the findings of the analyses. Directs the Commission to: (1) hold at least five public hearings; and (2) report to the Congress on the state of health care in the United States. Sets forth provisions regarding procedures for congressional consideration of any recommendations of the Commission and review of any bill proposed by the Commission or an appropriate committee by the Director of the Congressional Budget Office.
Bill· HRH.R. 5033 (103rd)referred
United States · United States Congress · 13 September 1994
Amends the Public Safety and Recreational Firearms Use Protection Act to remove from the definition of a "semiautomatic assault weapon" the manufacture, transfer, or possession of which, with exceptions, is prohibited: (1) certain semiautomatic rifles and pistols that have an ability to accept a detachable magazine; and (2) certain semiautomatic shotguns.
Resolution· HCONRESH.Con.Res. 270 (103rd)referred
United States · United States Congress · 21 July 1994
Expresses the sense of the Congress that neither the President nor any other entity in the executive branch should attempt to impose a racially based quota system to challenge death penalties.
Bill· HRH.R. 4712 (103rd)referred
United States · United States Congress · 30 June 1994
Provides that it shall not be a violation of Federal criminal law regarding the destruction of aircraft or aircraft facilities for authorized employees or agents of: (1) a foreign country to damage or destroy an aircraft in that country's territory or airspace if the aircraft is suspected of being engaged in the trafficking of controlled substances and the President determines that such actions are necessary because of the threat posed by such trafficking to the country's national security and the country has appropriate procedures to protect against the innocent loss of life; or (2) the United States to provide assistance for such actions. Requires the Secretary of State to report to specified congressional committees on: (1) the effectiveness of the U.S. policy of sharing information produced by U.S. radar installations and military aircraft with governments in South America for purposes of identifying and disrupting controlled substances trafficking activities; and (2) any adverse implications that such policy may have on U.S. national security interests.
Bill· HRH.R. 4557 (103rd)referred
United States · United States Congress · 9 June 1994
Social Security Account Number Anti-Fraud Act - Amends title II (Old Age, Survivors and Disability Insurance) (OASDI) of the Social Security Act to direct the Secretary of Health and Human Services to: (1) establish, according to prescribed guidelines, an electronic program for American employers to verify the social security account and other relevant employment information to reduce the use of fraudulent social security documents for employment purposes; (2) implement the Social Security Account Number Anti-Fraud Program according to a prescribed schedule; and (3) report to the Congress on the Program's initial implementation.
Resolution· HRESH.Res. 446 (103rd)referred
United States · United States Congress · 26 May 1994
Expresses the sense of the House of Representatives that for purposes of issuing final guidelines under title VII of the Civil Rights Act of 1964 relating to unlawful harassment in employment, the Equal Employment Opportunity Commission should exclude harassment based on religion.
Bill· HRH.R. 4142 (103rd)open
United States · United States Congress · 24 March 1994
Humanitarian Aid Corridor Act - Prohibits foreign assistance funds from being used to provide assistance to any country for any portion of a fiscal year during which the country prohibits or restricts the transport or delivery of U.S. humanitarian assistance to any other country. Makes such prohibition inapplicable if the President determines and notifies the Congress that providing assistance: (1) is in the national interest; or (2) will benefit directly non-military personnel who are in immediate danger resulting from a natural or manmade disaster (provided that such assistance is humanitarian assistance distributed directly to such personnel or through international relief organizations).
Bill· HRH.R. 4141 (103rd)referred
United States · United States Congress · 24 March 1994
Neighborhood Crime Fighters Housing Assistance Act - Amends the United States Housing Act of 1937 to provide public housing rental assistance on behalf of a family that has provided law enforcement assistance and is likely to be subject to retaliatory violence. Amends the Housing and Community Development Act of 1974 to set aside funds for such program.
Bill· HRH.R. 4157 (103rd)open
United States · United States Congress · 24 March 1994
Requires the Secretary of the Interior to offer to transfer all lands administered by the Bureau of Land Management (BLM) to the State in which such lands are located. Requires a State to accept or reject the total offer of all the lands. Makes the transfer effective on September 30, 1998. Requires each State receiving such lands to honor valid existing leases, permits, and mining claims. Restricts the transferred lands to public purpose use if they are not encumbered by a lease or permit. Reverts such lands to the United States if a State does not use them for public purposes. Exempts BLM lands from transfer under this Act if they are: (1) wilderness; (2) wilderness study areas; (3) areas of critical environmental concern; or (4) determined by the Secretary to be too costly for the United States to decontaminate.
Bill· HRH.R. 4078 (103rd)open
United States · United States Congress · 17 March 1994
TABLE OF CONTENTS: Title I: Golden Gate National Area Title II: Presidio Public Benefit Corporation Title I: Golden Gate National Recreation Area - Includes certain areas in Mateo County, California, within the Golden Gate National Recreation Area. Authorizes the Secretary of the Interior to: (1) utilize the resources of the Presidio unit of the Golden Gate National Recreation Area, California, to provide for and support programs and activities that foster research, education, and demonstration projects concerning the environment, international affairs, cultural understanding, health, and science; (2) negotiate and enter into leases, as appropriate, with any private or government entity for the use of any property within the Presidio, except such properties which the Secretary of Defense determines are essential for the continued use of the Presidio by the sixth Army in accordance with the Area's General Management Plan or the Act establishing the Area; (3) negotiate and enter into leases or other appropriate agreements with any Federal agency or organization to house that agency's or organization's employees who are engaged in activities or programs at the Presidio; and (4) enter into interagency permitting agreements or other appropriate agreements with the Secretary of Defense and the Administrator of the Federal Emergency Management Agency and leases with the Red Cross to house their activities and employees at the Presidio. Requires the Secretary to establish competitive bidding procedures to be used for the issuance of such leases. Authorizes the Secretary to enter into cooperative agreements and permits for purposes of such Area. Title II: Presido Public Benefit Corporation - Authorizes the President to establish the Presidio Public Corporation only after San Francisco makes specified zoning decisions. Requires the Secretary to transfer all lands, facilities, and interest in certain Presidio properties to the Corporation. Transfers the Public Health Service Hospital and surrounding 36 acres to the administrative jurisdiciton of the Corporation. Directs the Corporation to sell: (1) the Public Health Service Hospital and adjacent golf course and allows it to use the proceeds of the sale for any function authorized by this Act; and (2) at fair market value, the Letterman Army Institute of Research, Letterman Army Medical Center, and such other buildings and lands in the Letterman complex necessary to conduct scientific research or education programs pertaining to human health to the University of California and authorizes it to use the proceeds from the sale for the same purposes. Allows the Secretary or other Cabinet officers to provide Federal personnel, facilities, and services to the Corporation on a reimbursement basis. Declares that the Corporation is devoted to an essential public and governmental function and purpose. Exempts it from all Federal taxes and special assessments. Applies all general penal statutes relating to the larceny, embezzlement, or conversion of public moneys or U.S. property to the moneys and property of the Corporation. Subjects the Corporation to provisions of Federal laws relating to administrative procedures and freedom of information.
Bill· HRH.R. 3986 (103rd)referred
United States · United States Congress · 9 March 1994
Supplemental Appropriations Rescissions Act of 1994 - Rescinds FY 1994 funds made available to: (1) the Federal Bureau of Investigation for the automation of fingerprint identification services; (2) the Federal Railroad Administration for the conversion of a post office to a train station and commercial center; and (3) the Department of Housing and Urban Development for assistance to sugarcane mills on the Hilo-Hamakua Coast of Hawaii. Repeals the authority of the Secretary of Transportation to use specified funds to relocate, repair, and lay up the nuclear ship SAVANNAH.
Bill· HRH.R. 3992 (103rd)referred
United States · United States Congress · 9 March 1994
Prohibits providing Russia with foreign assistance for any fiscal year after FY 1995 unless the President certifies to the Congress for such fiscal year that: (1) the U.S. Government has received satisfactory assurances from the Government of Russia that Russia's intelligence activities in the United States are confined to routine, non-adversarial information gathering; (2) the Russian Government has concluded written agreements with the Governments of Latvia, Estonia, and Moldova on the unconditional withdrawal of Russian troops from those nations and is making progress toward fulfilling the agreements, is not pursuing policies in the former Yugoslavia that are contrary to U.S. and allied interests, and is committed to (and taking concrete steps toward) reforming the Russian economy along free-market lines; (3) Russian troops in the Kaliningrad region of Russia are respecting the sovereign territory of Lithuania and neighboring countries and are not offensively postured against any other countries; and (4) the activities of the Russian Government in the independent states of the former Soviet Union do not represent an attempt by Russia to diminish the sovereignty and independence of such States. Prohibits, with respect to FY 1995, providing foreign assistance to Russia unless the President certifies to the Congress for that fiscal year that the Russian Government has provided the U.S. Government with a full and accurate accounting of the espionage activities related to the Aldrich Ames case. Requires the President to report to the Congress for each fiscal year: (1) the amount, purpose, and effectiveness of foreign assistance provided to Russia for the preceding fiscal year; (2) a detailed accounting of the amount of foreign assistance appropriated which has not been expended and its status; and (3) an estimate of the total amount of capital exported from Russia during the previous fiscal year. Expresses the sense of the Congress that the U.S. Government should oppose all lending to Russia by the international financial institutions to which the United States is a member unless the Russian Government is in compliance with the conditions for assistance set forth by this Act.
Bill· HRH.R. 3971 (103rd)referred
United States · United States Congress · 8 March 1994
Retired Federal Bureau of Investigation Agent Self-Defense Act - Amends the Federal criminal code to authorize a qualified former agent of the Federal Bureau of Investigation (FBI) to carry a concealed firearm if the former agent is carrying a document, issued to such individual by the FBI within the last three years, which certifies that the former agent is qualified to operate a firearm.
Bill· HRH.R. 3978 (103rd)open
United States · United States Congress · 8 March 1994
Endangered Species Management Act of 1994 - Amends the Endangered Species Act of 1973 to prohibit the Secretary (of the Interior, Commerce, or Agriculture, as determined under the Act) from determining that an isolated population of a species is endangered or threatened if the species is not otherwise an endangered or threatened species. Requires the Secretary, when making a determination of endangered or threatened species, to issue a report delineating all direct and indirect economic and social impacts of delineation of proposed critical habitat to the areas affected and to the Nation. Prohibits the Secretary from listing a species as endangered or threatened unless: (1) the Secretary has prepared a report that includes the complete file of scientific data and collection methodology which has been developed in conjunction with the listing or with any critical habitat designation and details of a recovery plan for the species (including scientific data and projected costs); (2) scientific data supporting the listing has been reviewed by a scientific peer review panel and panel recommendations are submitted to the Secretary; (3) the Secretary publishes notice of intent to list in each area of the United States where the species is believed to occur; and (4) the Secretary conducts public hearings in each such area. Revises or sets requirements regarding: (1) cooperative agreements with States; (2) Federal agency actions; (3) prohibition of ex parte communications between the President and members of the Endangered Species Committee; and (4) hardship permit exemptions. Directs the Secretary to pay just compensation for any taking of private or public property to the owner of the property, including damages incurred by the owner as a result of such taking. Limits the Secretary's ability to take actions likely to result in a taking of public or private property or substantial social or economic impact.
Bill· HRH.R. 3875 (103rd)open
United States · United States Congress · 23 February 1994
Private Property Owners Bill of Rights - Requires Federal agency heads to: (1) comply with applicable State and tribal government laws in implementing and enforcing the Endangered Species Act of 1973 (ESA) and the permitting program for dredged or filled material under the Federal Water Pollution Control Act (FWPCA); (2) administer and implement the Acts in a manner that least affects the private property owners' constitutional and other legal rights; (3) develop and implement rules and regulations for ensuring that such rights are protected when making any final decision that restricts the use of private property; (4) obtain the consent of the property owner and provide appropriate notice before entering privately-owned property in order to collect information on it; and (5) give the property owner an opportunity to review and dispute the data collected before using it to implement or enforce any of the Acts. Amends ESA and FWPCA to provide for administrative appeals of certain actions, including those related to the denial of permits and the imposition of administrative penalties. Entitles a private property owner deprived of 50 percent or more of the fair market value or the economically viable use of a portion of property as a consequence of a final qualified agency action to receive compensation upon request in accordance with specified guidelines. Amends ESA to require the Secretary of the Interior to notify all private property owners or lessees of property subject to a management agreement and provide an appropriate opportunity for their participation in such an agreement when the Secretary enters into it with any non-Federal person establishing restrictions on property use.
Bill· HRH.R. 3872 (103rd)open
United States · United States Congress · 22 February 1994
Criminal Aliens Federal Responsibility Act of 1994 - Requires the Federal Government to incarcerate or to reimburse State and local governments for the cost of incarcerating specified criminal aliens.
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