United States · United States Congress · 13 April 2015
Reforming CFPB Indirect Auto Financing Guidance Act Declares without force or effect Consumer Financial Protection Bureau (CFPB) Bulletin 2013-02 (Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act), published March 21, 2013. Amends the Consumer Financial Protection Act of 2010 to direct the CFPB, when proposing and issuing guidance primarily related to indirect auto financing, to: provide for a public notice and comment period before issuing the guidance in final form; make publicly available all information relied on by the CFPB; redact any information exempt from disclosure under the Freedom of Information Act; consult with the Board of Governors of the Federal Reserve System, the Federal Trade Commission, and the Department of Justice; and study the costs and impacts of the guidance to consumers and women-owned, minority-owned, and small businesses.
United States · United States Congress · 13 April 2015
Safe Building Code Incentive Act of 2015 Amends the Robert T. Stafford Disaster Relief and Emergency Assistance Act to authorize the President to increase the maximum total of contributions for a major disaster by an amount equal to 4% of the estimated aggregate amount of grants to be made under the Act, if at the time of a declaration of a major disaster the affected state has in effect and is actively enforcing an approved state building code. Requires a state, to be eligible for the increased federal share, to submit its state building code to the President for approval. Directs the President to approve a state building code submitted upon determining that it: (1) is consistent with the most recent version of a nationally recognized model building code, (2) has been adopted by the state within six years of the most recent version of the nationally recognized code, and (3) uses the nationally recognized code as a minimum standard. Requires the President, acting through the Administrator of the Federal Emergency Management Agency, to set appropriate standards for the periodic update, resubmittal, and approval of state building codes, consistent with similar mitigation planning requirements under the Stafford Act. Authorizes the use by states and local governments of technical and financial assistance to implement predisaster hazard mitigation measures to establish and operate a building department and carry out enforcement activities to implement an approved state building code. Directs the President, in determining whether to provide technical and financial assistance to a state or local government, to take into account the extent to which that government is carrying out activities to implement an approved state building code.
United States · United States Congress · 26 March 2015
Federal Savings Association Charter Flexibility Act of 2015 This bill amends the Home Owners' Loan Act to permit a federal savings association to elect to operate subject to supervision by the Comptroller of the Currency with the rights and duties of a national bank.
United States · United States Congress · 26 March 2015
Government Neutrality in Contracting Act This bill directs the head of any federal agency that awards or obligates funds for any construction contract, or that awards grants, provides financial assistance, or enters into cooperative agreements for construction projects, to ensure that bid specifications, project agreements, or other controlling documents do not: (1) require or prohibit a bidder, offeror, contractor, or subcontractor from entering into, or adhering to, agreements with a labor organization, with respect to that construction project or another related construction project; or (2) otherwise discriminate against or give preference to such a party because it did or did not become a signatory or otherwise adhere to such an agreement. The bill also allows exemptions to this rule to avert an imminent threat to public health or safety or to serve national security, as well as additional exemptions for certain projects meeting specified criteria. The Federal Acquisition Regulatory Council shall amend the Federal Acquisition Regulation to implement this Act with respect to the applicable federal contracts.
United States · United States Congress · 26 March 2015
Encouraging Employee Ownership Act of 2015 Directs the Securities and Exchange Commission to revise regulations to require an issuer to furnish investors with additional specified disclosures regarding compensatory benefit plans if the aggregate sales price or amount of securities sold during any consecutive 12-month period exceeds $10 million (currently $5 million), indexed for inflation every five years.
United States · United States Congress · 26 March 2015
Community Economic Opportunity Act of 2015 This bill amends the Community Services Block Grant Act to revise the Act and reauthorize it through FY2023. States must adopt performance requirements and performance benchmarks to be included as part of the performance measurement system under this Act. States that receive grants must reserve 2% of the funds for a new Community Action Innovations Program (CAIP) and use not less than 90% of the remainder to make subgrants to eligible entities to enable the entities to implement programs, projects, or services to reduce poverty. Authority is repealed for specific nationally administered grants for: (1) community food and nutrition programs, (2) national or regional programs designed to provide instructional activities for low-income youth, and (3) demonstration partnership agreements addressing the needs of the poor. A state may use certain grant funds for training and technical assistance to eligible entities and innovative projects to reduce poverty conditions. Two or more eligible entities shall receive state assistance to merge if the geographic areas of the state they serve can be more effectively served under a single corporate structure. The same assistance must be given any eligible public organization that determines the area it serves can be more effectively served if it becomes a private public charity. An incentive is repealed for states to enact a charity tax credit. The Department of Health and Human Services must conduct, in at least one-third of the states in each fiscal year, evaluations (including investigations) of state compliance with the Community Services Block Grant Program.
United States · United States Congress · 26 March 2015
Dental Insurance Fairness Act of 2015 Amends the Employee Retirement Income Security Act of 1974 to prescribe certain health care coverage value requirements for dental benefits under self-insured group health plans.
United States · United States Congress · 26 March 2015
This bill amends the Veterans Access, Choice, and Accountability Act of 2014 to designate up to 20 graduate medical education residency positions for the study of optometry.
United States · United States Congress · 26 March 2015
United States Coast Guard Commemorative Coin Act Directs the Secretary of the Treasury to mint and issue in commemoration of the United States Coast Guard: (1) $5 gold coins, (2) $1 silver coins, and (3) half-dollar clad coins. Requires the design of such coins to be emblematic of the traditions, history, and heritage of the Coast Guard, and its role in securing our nation since 1790. Prescribes design requirements. Restricts the issuance of such coins to the one-year period beginning on January 1, 2018. Prescribes the sale price of the coins and coin surcharges. Requires such surcharges to be paid by the Secretary to the National Coast Guard Museum Association to help finance the design and construction of the National Coast Guard Museum. Directs the Secretary to ensure that minting and issuing coins under this Act will not result in any net cost to the federal government.
United States · United States Congress · 26 March 2015
Collegiate Housing and Infrastructure Act of 2015 Amends the Internal Revenue Code to allow tax-exempt charitable or educational organizations to make collegiate housing and infrastructure improvement grants to certain tax-exempt social clubs (e.g., college fraternities and sororities) which apply such grants to their collegiate housing property.
United States · United States Congress · 26 March 2015
Mutual Bank Capital Opportunity Act of 2015 Amends the Federal Deposit Insurance Act to authorize a mutual depository to issue mutual capital certificates that qualify as common equity Tier 1 capital for purposes of capital requirements mandated by federal law or regulation. Defines "mutual capital certificate" as a financial instrument issued by a mutual depository that entitles the holder to a payment of fixed, variable, or participating dividends (if its board of directors so declares) but no voting or member rights, nor is it redeemable until five years after issuance. Defines "mutual depository" as an insured depository institution operating in a non-stock form, including a federal non-stock depository and any form of non-stock depository provided for under state law, whose deposits are insured by an instrumentality of the federal government.
United States · United States Congress · 25 March 2015
Protecting Affordable Coverage for Employees Act This bill amends the Patient Protection and Affordable Care Act (PPACA) and Public Health Service Act to include employers with 51 to 100 employees as large employers for purposes of health insurance markets. States have the option to treat these employers as small employers. Currently under PPACA, employers with 51 to 100 employees are small employers, but before January 1, 2016, states have the option to treat them as large employers. (Under PPACA, health insurance offered in the small group market must meet certain requirements that do not apply to the large group market, including the requirement to cover the essential health benefits.)
United States · United States Congress · 25 March 2015
Safe and Accurate Food Labeling Act of 2015 This bill amends the Federal Food, Drug, and Cosmetic Act to require the developer of a bioengineered organism intended as food to submit a premarket biotechnology notification to the Food and Drug Administration (FDA). A “bioengineered organism” (commonly called a “genetically modified organism” or “GMO”) is a plant or part of a plant that has been modified through recombinant DNA techniques in a way that could not be obtained using conventional breeding techniques. The premarket notification must include the developer’s determination that food from, containing, or consisting of the GMO (GMO food) is as safe as a comparable non-GMO food. For the GMO to be sold as food, the FDA must not object to the developer’s determination. If the FDA determines that there is a material difference between a GMO food and a comparable non-GMO food, the FDA can specify labeling that informs consumers of the difference. A food label can only claim that a food is non-GMO if the ingredients are subject to certain supply chain process controls. No food label can suggest that non-GMO foods are safer than GMO foods. A food can be labeled as non-GMO even if it is produced with a GMO processing aid or enzyme or derived from animals fed GMO feed or given GMO drugs. The FDA must allow, but not require, GMO food to be labeled as GMO. The FDA must regulate the use of “natural” on food labels. This bill amends the Agricultural Marketing Act of 1946 to require the Agricultural Marketing Service to establish a program to certify non-GMO food. This bill preempts state and local restrictions on GMOs or GMO food and labeling requirements for GMOs, GMO food, non-GMO food, or “natural” food.
United States · United States Congress · 25 March 2015
Lymphedema Treatment Act This bill amends title XVIII (Medicare) of the Social Security Act to cover certain lymphedema compression treatment items as durable medical equipment under Medicare. (Lymphedema is a condition of localized fluid retention and tissue swelling that is caused when the lymphatic system is damaged or blocked.)
United States · United States Congress · 25 March 2015
Biennial Budgeting and Enhanced Oversight Act of 2015 This bill amends the Congressional Budget Act of 1974, the Congressional Budget Impoundment and Control Act of 1974, and the Rules of the House of Representatives to change the process for the President's budget submission, congressional budget resolutions, appropriations bills, and government strategic and performance plans from the current annual process to a biennial process, in which a biennium is the two consecutive fiscal years beginning on October 1 of any odd-numbered year. The House Budget Committee must use the second session of each Congress to study issues with long-term budgetary and economic implications. The bill creates a point of order in the House and Senate against authorizations of appropriations that do not include specific authorizations covering at least each fiscal year in one or more bienniums.
United States · United States Congress · 24 March 2015
Military Surviving Spouses Equity Act Repeals certain provisions which require the offset of amounts paid in dependency and indemnity compensation from Survivor Benefit Plan (SBP) annuities for the surviving spouses of former military personnel who are entitled to military retired pay or who would be entitled to retired pay except for being under 60 years of age. Prohibits requiring repayment of certain amounts previously paid to SBP recipients in the form of a retired pay refund. Repeals the optional authority of (and instead requires) the Secretary of the military department concerned to pay an annuity to a member's dependent children when there is no eligible surviving spouse. Directs the Secretary concerned to restore annuity eligibility to a surviving spouse who earlier agreed to transfer such eligibility to a surviving child or children of a member.
United States · United States Congress · 24 March 2015
Health Outcomes, Planning, and Education (HOPE) for Alzheimer's Act of 2015 This bill amends title XVIII (Medicare) of the Social Security Act to cover comprehensive Alzheimer's disease care planning services.
United States · United States Congress · 23 March 2015
Financial Stability Oversight Council Improvement Act of 2015 Amends the Financial Stability Act of 2010 to require the Financial Stability Oversight Council, when determining whether to subject a U.S. or a foreign nonbank financial company to supervision by the Board of Governors of the Federal Reserve System (Board), including prudential standards, to consider the appropriateness of imposing such standards as opposed to other forms of regulation to mitigate identified risks to U.S. financial stability. Directs the Council to: (1) reevaluate annually its determinations regarding a nonbank financial company under Board supervision, and (2) provide the company written notice and opportunity to submit written materials contesting a determination Permits a nonbank financial company, every five years after the Council's final determination, to request a reevaluation of it. Prescribes procedural requirements for proposed Council determinations and final decisionmaking. Directs the Council every five years to study: (1) the impact of its determinations to subject nonbank financial companies to Board supervision and prudential standards, and (2) whether such determinations have the intended result of improving domestic financial stability.
United States · United States Congress · 23 March 2015
Expresses the sense of Congress that specified memoranda issued by the President and the Secretary of Homeland Security regarding enforcement of immigration laws are unlawful notwithstanding the passage of the Department of Homeland Security Appropriations Act, 2015.
United States · United States Congress · 23 March 2015
Medicare Orthotics and Prosthetics Improvement Act of 2015 This bill amends title XVIII (Medicare) of the Social Security Act to prohibit payment under Medicare part B (Supplementary Medical Insurance) for an item or service furnished: (1) in a state that requires licensure unless the provider or supplier possesses all applicable state licensure, or (2) in a state that does not require licensure unless the provider or supplier meets all qualifications established by the Secretary of Health and Human Services. The Secretary shall designate and approve independent accreditation organizations that apply quality standards for suppliers only if they are Boards for Orthotist/Prosthetist Certification or essentially equivalent programs. Special payment rules for certain prosthetics and custom-fabricated orthotics are extended to custom-fitted orthotics. Such rules do not apply, however, to off-the-shelf orthotics furnished on or after January 1, 2016, which are included in a competitive acquisition program. Decisions about Medicare coverage of orthotics and prosthetics on or after January 1, 2016, must take into account the complexity of the item as well as supplier qualifications (which do not apply, however, to physicians, occupational therapists, or physical therapists state-licensed to provide such items). Documentation created by an orthotist or prosthetist is considered part of the patient's medical record. Requirements for suppliers of orthotics and prosthetics are separated from those for suppliers of durable medical equipment. Orthotists and prosthetists must have a supplier number for Medicare payment to be made. Patients are not liable for payment of furnished orthotics or prosthetics where payment may not be made or where payment is denied. Only the orthotists or prosthetists are liable in such circumstances. The Secretary must publish on the Internet website of the Centers for Medicare and Medicaid Services specified performance information about each recovery audit contractor (RAC). The Secretary is prohibited from recouping more than 50% of any overpayments for qualified providers and hospitals in response to a RAC audit until an administrative law judge has rendered a decision. The Secretary may recoup any overpayments, though, related to or resulting from fraudulent activity on the part of a Medicare provider or supplier. Only the patient may make the minimal self-adjustment required to qualify off-the-shelf orthotics for Medicare coverage in a competitive acquisition program.
United States · United States Congress · 23 March 2015
Community Bank Access to Capital Act of 2015 This bill directs the Board of Governors of the Federal Reserve System to increase the asset threshold under the Small Bank Holding Company Policy Statement on Assessment of Financial and Managerial Factors from less than $1 billion to less than $5 billion. The Comptroller of the Currency, the Board, and the Federal Deposit Insurance Corporation (FDIC) shall exempt community banks from regulations implementing the International Regulatory Framework for Banks (Basel III), and, as they determine appropriate, to adjust the related capital requirements. A community bank is defined as one whose consolidated assets are $50 billion or less. The bill also exempts from the internal control attestation requirements of the Sarbanes-Oxley Act of 2002 both an insured depository institution and a depository institution holding company with consolidated assets of less than $1 billion. Savings and loan associations meeting specified asset and equity security holder criteria shall be subject to security registration requirements. The Securities and Exchange Commission (SEC) is prohibited from adjusting under Regulation D the $1 million net worth threshold and $200,000 and $300,000 income thresholds that define a natural person as an accredited investor. The SEC shall increase from 35 to 70 the number of purchasers of securities in transactions deemed not to involve a public offering and so are exempt from regulation under the Securities Exchange Act of 1933. The Securities Exchange Act of 1934 is amended to: (1) subject a savings and loan holding company to registration requirements for securities whose issuer has total assets exceeding $10 million and a class of non-exempt equity security held of record by 2,000 or more persons; and (2) apply the automatic termination of registration, and suspension of the duty to file supplementary and periodic information, to a savings and loan holding company whose securities are found to be held by less than 1,200 persons.
United States · United States Congress · 19 March 2015
Korean War Veterans Memorial Wall of Remembrance Act of 2015 Authorizes a Wall of Remembrance, as part of the previously authorized Korean War Veterans Memorial, to include: (1) a list by name of members of the U.S. Armed Forces who were killed in action; (2) the number of members who were wounded, listed as missing in action, or prisoners of war; and (3) the number of members of the Korean Augmentation to the U.S. Army, the Republic of Korea Armed Forces, and the other nations of the United Nations (U.N.) Command who were killed, wounded, missing, or prisoners. Prohibits using any federal funds to construct the Wall.
United States · United States Congress · 19 March 2015
Protecting Our Infants Act of 2015 This bill requires the Agency for Healthcare Research and Quality to report on prenatal opioid abuse and neonatal abstinence syndrome (symptoms of withdrawal in a newborn). (An opioid is a drug with effects similar to opium, such as heroin or certain pain medications.) The report must include: an assessment of existing research on neonatal abstinence syndrome; an evaluation of the causes, and barriers to treatment, of opioid use disorders among women of reproductive age; an evaluation of treatment for pregnant women with opioid use disorders and infants with neonatal abstinence syndrome; and recommendations on preventing, identifying, and treating opioid dependency in women and neonatal abstinence syndrome. The Department of Health and Human Services must review its activities related to prenatal opioid use and neonatal abstinence syndrome and develop a strategy to address gaps in research and programs. The Centers for Disease Control and Prevention must provide technical assistance to states to improve neonatal abstinence syndrome surveillance and make surveillance data publicly available.
United States · United States Congress · 19 March 2015
Taking Account of Bureaucrats' Spending Act of 2015 or the TABS Act of 2015 This bill amends the Consumer Financial Protection Act of 2010 to eliminate provisions that fund the Consumer Financial Protection Bureau (CFPB) using transfers from the earnings of the Federal Reserve System. The transfers under current law permit the CFPB to be funded outside of the annual appropriations process, and this bill brings the CFPB into the regular process.
United States · United States Congress · 19 March 2015
Policyholder Protection Act of 2015 This bill amends the Federal Deposit Insurance Act to declare that any action of the Federal Deposit Insurance Corporation (FDIC) that requires a bank holding company to provide funds or other assets to a subsidiary depository institution is neither effective nor enforceable with respect to a savings and loan holding company that is also an insurance company, an affiliate of an insured depository institution that is an insurance company, or any other company that is an insurance company and directly or indirectly controls an insured depository institution (entities) if: such funds or assets are to be provided by the entity, and the relevant state insurance authority determines that such an action would have a materially adverse effect on the entity's financial condition. The bill declares that requiring a bank holding company that is an insurance company to serve as a source of financial strength shall be deemed the kind of action of the Board of Governors of the Federal Reserve System that requires a bank holding company to provide funds or other assets to a subsidiary depository institution for specified purposes of the Bank Holding Company Act of 1956. The Dodd-Frank Wall Street Reform and Consumer Protection Act is amended, with respect to systemic risk determination and the treatment of insurance companies and their subsidiaries, to authorize the FDIC to stand in the place of the appropriate regulatory agency and file a judicial action to place such companies into orderly rehabilitation under state law if the appropriate regulatory agency has not done so. The FDIC, when funding the orderly liquidation of an insurance company or its subsidiary, shall notify the relevant state insurance authority promptly of its intention to take a lien on the company's assets. The FDIC may not take such a lien, however, if the state insurance authority informs it that doing so would have a materially adverse effect upon the insurance company's policyholders.
United States · United States Congress · 19 March 2015
Amends the Internal Revenue Code, with respect to the tax credit for producing electricity from an Indian coal production facility, to eliminate: (1) the requirement that such a facility be placed in service before January 1, 2009, and (2) the limitation on the period during which such coal is required to be produced and sold.
United States · United States Congress · 18 March 2015
Land Acquisition to cut National Debt Act or LAND Act Bars the Department of the Interior from using federal funding to purchase land resulting in a net increase of land acreage being under the jurisdiction of the National Park Service, the U.S. Fish and Wildlife Service, or the Bureau of Land Management unless the federal budget is balanced for the year in which such land would be purchased. Makes such prohibition inapplicable to: (1) lands purchased with funding made available through the sale of Federal Migratory Bird Hunting and Conservation Stamps, and (2) easements acquired by Interior to facilitate the management of federal lands. Bars the Department of Agriculture (USDA) from using federal funding to purchase land resulting in a net increase of land acreage included in the National Forest System unless the federal budget is balanced for the year in which that land would be purchased. Makes such prohibition inapplicable to easements acquired by the USDA to facilitate the management of federal lands.
United States · United States Congress · 18 March 2015
Ambulatory Surgical Center Quality and Access Act of 2015 Amends title XVIII (Medicare) of the Social Security Act to require alignment of updates for ambulatory surgical center (ASC) services under a revised prospective payment system (PPS) with updates for hospital outpatient department (OPD) services. Revises requirements for the reporting and applying of quality measure data by ASCs and hospital OPDs. Revises requirements for the composition of the expert outside advisory panel the Secretary of Health and Human Services is required to consult during the annual review of the clinical integrity of the groups and payment weights in the PPS for OPD services. Requires the panel to include suppliers subject to the PPS as well as at least one ASC representative. Requires the Secretary, when excluding from a final rule updating ASC lists a procedure whose inclusion was requested during the public comment period, to cite in the final rule specific criteria based on which the procedure was excluded. Requires the Secretary also to identify the peer reviewed research or the evidence upon which the exclusion is based if certain of those criteria are cited for it. Prohibits the Secretary from using or citing as a criterion or a basis for an exclusion that the procedure can only be reported using a Current Procedural Terminology unlisted surgical procedure code.
United States · United States Congress · 18 March 2015
Speeding Access to Already Approved Pharmaceuticals Act of 2015 This bill amends the Federal Food, Drug, and Cosmetic Act to require the Food and Drug Administration to facilitate the development and expedite the review of a new drug, biological product, or device that has been approved in the European Union.
United States · United States Congress · 18 March 2015
Medicare CGM Access Act of 2015 - This bill amends title XVIII (Medicare) of the Social Security Act to provide Medicare coverage of continuous glucose monitoring (CGM) devices furnished to a CGM qualified individual. The Department of Health and Human Services must establish a fee schedule and ensure that CGM qualified individuals are furnished with appropriate device components.
United States · United States Congress · 18 March 2015
Biennial Budgeting and Appropriations Act of 2015 This bill amends the Congressional Budget Act of 1974, the Congressional Budget Impoundment and Control Act of 1974, and the Rules of the House of Representatives to change the process for the President's budget submission, congressional budget resolutions, appropriations bills, and government strategic and performance plans from the current annual process to a biennial process, in which a biennium is the two consecutive fiscal years beginning on October 1 of any odd-numbered year. The Congressional Budget Office must submit to Congress a quarterly analysis comparing revenues, spending, and the deficit or surplus for the current fiscal year to assumptions included in the congressional budget resolution. The House Budget Committee must use the second session of each Congress to study issues with long-term budgetary and economic implications. The bill creates a point of order in the House and Senate against authorizations of appropriations that do not include specific authorizations covering at least each fiscal year in one or more bienniums. The Office of Management and Budget must report to Congress on the impact and feasibility of changing the definition of a fiscal year and the budget process based on that definition to a two-year fiscal period. The bill requires the biennial process to take effect beginning with the FY2020 budget process and sets forth procedures and requirements for a transition period during the 115th Congress.
United States · United States Congress · 17 March 2015
Jobs Originated through Launching Travel Act of 2015 or the JOLT Act of 2015 Amends the Immigration and Nationality Act to authorize the Department of Homeland Security (DHS) to admit into the United States a qualifying Canadian citizen over 50 years old and spouse for a period not to exceed 240 days (in a single 365-day period) if the person maintains a Canadian residence and owns a U.S. residence or has rented a U.S. accommodation for the duration of such stay. Revises the secure travel partnership program (the visa waiver program as renamed by this Act) to: (1) authorize DHS to designate any country as a program country; (2) adjust visa refusal rate criteria, including addition of a 3% maximum overstay rate; and (3) revise probationary and termination provisions. Expresses the sense of Congress that DHS should, in evaluating countries participating in the secure travel partnership program, give review priority to countries where circumstances indicate that such a review is necessary or desirable. Directs the Department of State to require U.S. diplomatic and consular missions to: (1) conduct nonimmigrant visa application interviews expeditiously, consistent with national security requirements and in recognition of resource allocation considerations; and (2) set a goal of interviewing 90% of all nonimmigrant visa applicants, worldwide, within 10 days of application receipt. Directs the State Department to: (1) develop and conduct a pilot program for processing visas using secure remote videoconferencing technology, and (2) seek to coordinate enrollment and interview processes for individuals eligible for both a U.S. visa and enrollment in the Global Entry program. Requires an alien at the time of application for U.S. entry under the secure travel partnership program to have a valid, unexpired electronic passport that incorporates biometric and document authentication identifiers that comply with internationally accepted practices.
United States · United States Congress · 17 March 2015
American Jobs and Community Revitalization Act of 2015 Directs the Consumer Financial Protection Bureau (CFPB) to establish an application process under which a person who lives or does business in a state may apply to have an area in the state identified as a rural area if it has not yet been so designated by the CFPB for purposes of federal consumer financial law. Prescribes criteria for the CFPB to consider when evaluating the application. Requires the CFPB to: (1) grant or deny the application within 90 days after the public comment period ends; and (2) publish the grant or denial in the Federal Register, including an explanation of the factors upon which the CFPB relied in making its determination. Amends the Truth in Lending Act to create a safe harbor from lawsuit for creditors that are depository institutions for any failure to comply with certain requirements with respect to a residential mortgage loan, and the banking regulators are required to treat such a loan as a qualified mortgage, if the creditor has, since the loan's origination, held it on its balance sheet and all prepayment penalties with respect to the loan comply with specified limitations. A safe harbor from lawsuit is also created for mortgage originators for steering a consumer to a residential mortgage loan if: (1) the creditor is a depository institution and has informed the mortgage originator that it intends to hold the loan on its balance sheet for the life of the loan, and (2) the mortgage originator informs the consumer that the creditor intends to do so. Requires the Federal Deposit Insurance Corporation, the Office of Comptroller of the Currency, the Board of Governors of the Federal Reserve System, CFPB, the National Credit Union Administration, the Securities and Exchange Commission, and the Commodity Futures Trading Commission, before issuing a regulation or order, to assess other federal regulations and orders to determine whether the agency's proposal is in conflict with, is inconsistent with, or is duplicative of such other regulations or orders and whether such other federal regulations or orders are outdated. Amends the Federal Deposit Insurance Act to double the maximum asset size of certain small insured depository institutions that qualify for an onsite examination by the appropriate federal banking agency every 18 months instead of every 12 months. Directs the Secretary of the Treasury to issue final rules to exempt depository institutions from reporting requirements with respect to a monetary instrument transaction involving a qualified customer. Requires the Director of the Financial Crimes Enforcement Network (FinCEN) to report annually to Congress on how the FinCEN data access service and the information it collects are used to detect and prevent money laundering, terrorist financing, and other financial crimes. Directs the Secretary to establish operating procedures with respect to the government-wide data access service and the FinCEN financial crimes communications center which provide for appropriate metrics to monitor, track, assess, and report on access to information in the FinCEN data access service. Amends the Dodd-Frank Wall Street and Consumer Protection Act to direct the appropriate federal banking agencies to issue final regulations authorizing S corporation banks to make dividend distributions under their capital conservation buffer for payment of taxes arising from bank activities.
United States · United States Congress · 17 March 2015
Clean Air, Strong Economies Act This bill prohibits the Environmental Protection Agency (EPA) from lowering its national ambient air quality standards (NAAQS) for ozone until at least 85% of counties that are in nonattainment areas (counties that are exceeding the limit) have attained the standard. In promulgating a primary or secondary NAAQS for ozone, the EPA must: only consider a county to be a nonattainment area on the basis of direct air quality monitoring (rather than modeling); take into consideration feasibility and cost; and include in the regulatory impact analysis for the proposed and final rule at least one analysis that does not include any calculation of benefits resulting from reducing emissions of any pollutant other than ozone.
United States · United States Congress · 16 March 2015
Honor America's Guard-Reserve Retirees Act Honors as a veteran any person who is entitled to retired pay for nonregular (reserve) service or who, but for age, would be so entitled. Provides that such person shall not be entitled to any benefit by reason of such recognition.
United States · United States Congress · 16 March 2015
Roth Accounts for Youth Savings Act of 2015 or the RAYS Act This bill amends the Internal Revenue Code to allow dependents of a taxpayer to establish a tax-preferred savings account similar to the existing Roth Individual Retirement Account, to be known as a Roth Account for Youth. Any amounts in such an account will be disregarded for purposes of determining elibility for benefits or assistance under a means-tested federal benefit program.
United States · United States Congress · 13 March 2015
Small Business and Community Investments Expansion Act of 2015 Amends the Federal Home Loan Bank Act to authorize Federal Home Loan Banks to make long-term secured advances to their members to provide funds to community development financial institutions. Requires a Bank, at the time of origination or renewal of a loan or advance, to obtain and maintain a security interest in collateral eligible pursuant to any secured loan for any community development financial institution.
United States · United States Congress · 10 March 2015
Early Hearing Detection and Intervention Act of 2015 This bill amends the Public Health Service Act to expand programs for deaf and hard-of-hearing newborns and infants to include young children. The programs are revised and reauthorized for FY2017-FY2022.
United States · United States Congress · 6 March 2015
Dignified Interment of Our Veterans Act of 2015 Requires the Secretary of Veterans Affairs (VA) to study and report to Congress on matters relating to the interring of veterans' unclaimed remains in national cemeteries under the control of the National Cemetery Administration, including: the scope of the issues relating to veterans' unclaimed remains, including the estimated number of such remains; the effectiveness of VA procedures for working with persons or entities having custody of unclaimed remains to facilitate the interment of such remains in such cemeteries; state and local laws that affect the Secretary's ability to inter unclaimed veterans' remains in such cemeteries; and recommendations for appropriate legislative or administrative action.
United States · United States Congress · 6 March 2015
Home Health Care Planning Improvement Act of 2015 Amends title XVIII (Medicare) of the Social Security Act to revise conditions of and limitations on payment for home health care services. Allows payment for home health services to Medicare beneficiaries by: (1) a nurse practitioner, (2) a clinical nurse specialist working in collaboration with a physician in accordance with state law, (3) a certified nurse-midwife, or (4) a physician assistant under a physician's supervision.
United States · United States Congress · 4 March 2015
VA Appeals Backlog Relief Act Directs the Secretary of Veterans Affairs to ensure that a Department of Veterans Affairs regional office certifies a VA Form 9, Appeal to Board of Veterans' Appeals, submitted by a veteran to appeal a decision relating to a claim, within one year after receiving such form.
United States · United States Congress · 4 March 2015
American-Made Energy and Infrastructure Jobs Act Amends the Outer Continental Shelf Lands Act (OCSLA) to direct the Secretary of the Interior (Secretary) to implement a leasing program that includes at least 50% of the available unleased acreage within each outer Continental Shelf (OCS) planning area considered to have the largest undiscovered, technically recoverable oil and gas resources, with an emphasis on offering the most geologically prospective parts of the planning area. Instructs the Secretary, in developing a five-year oil and gas leasing program, to determine a specified domestic strategic production goal for the development of oil and natural gas as a result of that program. Requires the Secretary to: (1) develop and submit a new five-year oil and gas leasing program, (2) conduct offshore oil and gas Lease Sale 220 within one year after enactment of this Act, and (3) make replacement lease blocks available in the Virginia lease sale planning area that are acceptable for oil and gas exploration and production if the Secretary of Defense proposes deferral from a lease offering due to defense-related activities irreconcilable with mineral exploration and development. Instructs the Secretary to conduct a lease sale within two years after enactment of this Act for areas off the coast of South Carolina that have the most geologically promising hydrocarbon resources and constituting at least 25% of the leasable area within the South Carolina offshore administrative boundaries. Directs the Secretary to: (1) offer for sale by December 31, 2014, leases of tracts in the Santa Maria and Santa Barbara/Ventura Basins of the Southern California OCS Planning Area; and (2) prepare for all lease sales required under this Act a multisale environmental impact statement pursuant to the National Environmental Policy Act of 1969 (NEPA). Allocates 37.5% of the amount of new federal leasing revenues to coastal states that are: (1) impacted by the leases under which those revenues are received by the United States, and (2) within 200 miles of the leased tract. Amends the Gulf of Mexico Energy Security Act of 2006 to revise revenue allocations among Gulf producing states and coastal political subdivisions for FY2007-FY2015 (currently FY2007-FY2016) and for FY2016 (currently FY2017) and thereafter. Increases by $250 million the $500 million limitation placed upon the amount of distributed qualified outer Continental Shelf revenues made available for each of FY2016-FY2055, upon the issuance of each five-year OCS oil and gas leasing program. Establishes in the Department of the Interior: (1) an Under Secretary for Energy, Lands, and Minerals; (2) an Assistant Secretary of Ocean Energy and Safety; (3) an Assistant Secretary of Land and Minerals Management; (4) a Bureau of Ocean Energy; (5) an Ocean Energy Safety Service; and (6) an Office of Natural Resources Revenue. Prohibits an individual that conducts permitting or inspections under this Act from either participating in a strike, or asserting the right to strike. Instructs the Secretary to establish: (1) a National Offshore Energy Safety Academy, and (2) an Outer Continental Shelf Energy Safety Advisory Board. Requires the Secretary to: (1) certify annually that all Interior Department personnel having either regular, direct official contact with government contractors, or conducting investigations, issuing permits, or overseeing energy programs, comply fully with federal employee ethics laws and regulations; and (3) conduct a random drug testing program of such personnel. Abolishes the Minerals Management Service. Directs the Secretary to collect non-refundable fees from the operators of facilities subject to inspection under this Act. Establishes in the Treasury the Ocean Energy Enforcement Fund as depository for such fees. Redefines the OCS to include all submerged lands lying within the U.S. exclusive economic zone and the Continental Shelf adjacent to any U.S. territory. Authorizes the Secretary of the Treasury, with the President's approval, to: (1) borrow for highway and transportation project expenditures and for water infrastructure expenditures, and (2) issue interest-bearing infrastructure revenue bonds for the amounts borrowed. Amends the Internal Revenue Code to appropriate to the Highway Trust Fund 95% of any proceeds from the issuance of such infrastructure revenue bonds. Makes available to the Administrator of the Environmental Protection Agency for making capitalization grants to eligible states: (1) 2.5% of infrastructure revenue bond proceeds for grants under the Federal Water Pollution Control Act, and (2) 2.5% of such proceeds for grants under Safe Drinking Water Act.
United States · United States Congress · 4 March 2015
Financial Product Safety Commission Act of 2015 Amends the Consumer Financial Protection Act of 2010 to replace the Consumer Financial Protection Bureau as an independent bureau within the Federal Reserve System, with an independent Financial Product Safety Commission that is to regulate the offering and provision of consumer financial products or services. States that the Commission shall be composed of five members with strong competencies and experiences regarding consumer financial products and services, each to serve for a term of five years, and appointed by the President by and with the advice and consent of the Senate. Prohibits the Chair of the Commission from submitting requests for estimates related to appropriations without prior Commission approval.
United States · United States Congress · 4 March 2015
Systemic Risk Designation Improvement Act of 2015 Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act to authorize the Financial Stability Oversight Council to subject a bank holding company to enhanced supervision and prudential standards by the Board of Governors of the Federal Reserve System, if the Council makes a final determination that either material financial distress at the bank holding company, or the nature, scope, size, scale, concentration, interconnectedness, or mix of its activities, could threaten the financial stability of the United States. Requires that final determination to be based upon specified factors, using an indicator-based measurement approach established by the Basel Committee on Banking Supervision to determine systemic importance. Deems any bank holding company designated as a Global Systemically Important Bank by the Financial Stability Board, as of the date of enactment of this Act, to have been the subject of a final determination that it could pose a threat to U.S. financial stability for any of those reasons. Prohibits the Council from making a final determination concerning a bank holding company under this Act before one year after its enactment. Deems a bank holding company to have been the subject of such a final determination during this one-year period, however, if its total consolidated assets are $50 billion or more.
United States · United States Congress · 4 March 2015
Amends the Commodity Exchange Act and the Securities Exchange Act of 1934 to revise the treatment of affiliate transactions that may be exempt from clearing requirements to authorize such an exemption only if the affiliate enters into the swap to hedge or mitigate the commercial risk of the person that is not a financial entity (as under current law), provided that an appropriate credit support measure or other mechanism must be used if the hedge or mitigation of commercial risk is addressed by entering into a swap with either: (1) a swap dealer or major swap participant, or (2) a security-based swap with a security-based swap dealer or major security-based swap participant.
United States · United States Congress · 4 March 2015
Pet and Women Safety Act of 2015 Amends the federal criminal code to prohibit threats or acts of violence against a person's pet under the offenses of stalking and interstate violation of a protection order. Defines "pet" to mean a domesticated animal that is kept for pleasure rather than for commercial purposes. Requires the "full amount of the victim's losses" for purposes of restitution in domestic violence and stalking offenses to include any costs incurred for veterinary services relating to physical care for the victim's pet. Directs the Department of Agriculture to award grants to eligible entities to carry out programs to provide specified housing assistance, support services, and training of relevant stakeholders to victims of domestic violence, dating violence, sexual assault, or stalking and their pets. Expresses the sense of Congress that states should encourage the inclusion of protections against violent or threatening acts against the pet of the person in domestic violence protection orders.
United States · United States Congress · 4 March 2015
National Health Service Corps Improvement Act of 2015 This bill amends the Public Health Service Act to include optometry services in primary health services for purposes of the National Health Service Corps. Optometrists are eligible for the fellowship program for the delivery of primary health services in health professional shortage areas, the National Health Service Corps Scholarship Program, and the National Health Service Corps Loan Repayment Program.
United States · United States Congress · 4 March 2015
Expresses the sense of Congress that the U.S. Postal Service should issue a commemorative postage stamp honoring the 50th anniversary of the three civil rights marches from Selma, Alabama, to Montgomery, Alabama.
United States · United States Congress · 4 March 2015
Amends federal shipping law to extend through October 31, 2028, the exemption of certain vessels from the requirement that U.S. passenger vessels having berth or stateroom accommodations for at least 50 passengers be constructed of fire-retardant materials in order to be granted a certificate of inspection. Continues to apply this exemption only to vessels in operation before January 1, 1968, which operate only within the Boundary Line (the dividing point between inland waters and high seas). Requires the owner or managing operator of an exempt vessel to: notify crew members that the vessel does not comply with applicable fire safety standards due primarily to the wooden construction of passenger berthing areas, and make annual structural alterations to at least 10% of vessel areas that are not constructed of fire-retardant materials. Requires any noncombustible material requirements prescribed by the Coast Guard (with which an exempt vessel is still required to comply) to be consistent with the preservation of a vessel's historic integrity in areas carrying or accessible to passengers or generally visible to the public.
United States · United States Congress · 4 March 2015
Community Lending Enhancement and Regulatory Relief Act of 2015 or the CLEARR Act of 2015 This bill amends the Gramm-Leach-Bliley Act to exempt from its annual privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, and (2) has not changed its policies and practices regarding disclosures of nonpublic personal information from those disclosed in the most recent disclosure sent to consumers. The federal banking agencies are directed to study jointly the appropriate capital requirements for mortgage servicing assets for nonsystemic banking institutions. Mortgage servicing assets are those resulting from contracts to service loans secured by real estate, where such loans are owned by third parties. A nonsystemic banking institution is any banking institution other than one identified by the Financial Stability Board as a global systemically important bank. Any regulatory implementation of either Basel III or National Credit Union Administration capital requirements about mortgage servicing assets for nonsystemic banking institutions is prohibited until six months after a report to Congress on the study. The Truth in Lending Act (TILA) is amended to direct the Board of Governors of the Federal Reserve System (Federal Reserve Board) to exempt from certain escrow or impound requirements a loan secured by a first lien on a consumer's principal dwelling if the loan is held by a creditor with assets of $10 billion or less. The Consumer Financial Protection Bureau must provide either exemptions to or adjustments from the mortgage loan servicing and escrow account administration requirements of the Real Estate Settlement Procedures Act of 1974 for servicers of 20,000 or fewer mortgage loans. The TILA is also amended to exempt from property appraisal requirements a higher-risk mortgage loan of $250,000 or less if it appears on the loan creditor's balance sheet for at least three years. The Federal Deposit Insurance Act is revised to direct federal banking agencies to issue regulations that allow a reduced reporting requirement for depository institutions meeting certain criteria when making the first and third report of condition for a year. If a depository financial institution receives an order to request a funds transfer (entry) via an automated clearing house, it shall not be required to verify that the entry is not a prohibited monetary transaction if the originating depository financial institution has warranted its compliance with the sanctions programs administered by the Office of Foreign Assets Control. The Federal Reserve Board must revise the Small Bank Holding Company Policy Statement on the Assessment of Financial and Managerial Factors to raise its consolidated asset threshold from $1 billion to $5 billion. The TILA is again amended to create a safe harbor from lawsuit for creditors that are depository institutions for any failure to comply with certain requirements with respect to a residential mortgage loan, and the banking regulators are required to treat such a loan as a qualified mortgage, if the creditor has, since the loan's origination, held it on its balance sheet and all prepayment penalties with respect to the loan comply with specified limitations. A safe harbor from lawsuit is also created for mortgage originators for steering a consumer to a residential mortgage loan if: the creditor is a depository institution and has informed the mortgage originator that it intends to hold the loan on its balance sheet for the life of the loan, and the mortgage originator informs the consumer that the creditor intends to do so.
![Official portrait of Rep. Stivers, Steve [R-OH-15]](https://www.congress.gov/img/member/s001187_200.jpg)