Summary: Transparent Baseball Ticket Fees Act - Makes it unlawful for any person to complete a primary sale of a Major League Baseball ticket through an Internet website without clearly and conspicuously disclosing to the consumer: (1) the amount and description of any fees, convenience charges, or other charges associated with such sale or ticket; and (2) the total amount of such fees or charges as a percentage of the total purchase price. Defines "primary sale" as the initial sale of a ticket that has not previously been sold to the general public. Treats such offense as an unfair or deceptive act or practice under the Federal Trade Commission Act.

transparent baseball ticket fees act makes unlawful person complete primary sale ticket internet website clearly conspicuously disclosing consumer description fees convenience charges charges associated sale ticket total fees charges percentage total purchase price defines primary sale initial sale ticket previously sold general public treats offense unfair deceptive act practice federal_trade_commission_act


Summary: Consumer Protection Act of 2010 - Provides that it shall not be a defense to a tort claim in any U.S. court that a manufacturer of a product has fulfilled that manufacturer's duty of care when providing all of the necessary information to a learned intermediary, who then interacts with the consumer of the product. Defines a "learned intermediary" as a person licensed under applicable state or federal law to advise a consumer whether or not to use the product in question.

consumer protection act provides shall defense tort claim court manufacturer product fulfilled manufacturer duty care providing necessary information learned intermediary consumer product defines learned intermediary person licensed applicable state federal law advise consumer use product question


Summary: Keeping Kids Safe Act of 2010 - Directs the Federal Communications Commission (FCC) to promulgate regulations requiring warning labels on baby monitors to alert users that video and audio from such devices may be intercepted and viewed or heard by potential intruders outside their home.

keeping kids safe act directs federal_communications_commission fcc promulgate regulations requiring warning labels baby monitors alert users video audio devices intercepted viewed heard potential outside home


Summary: Dangerous Products Warning Act - Amends the federal criminal code to impose a fine and/or prison term of up to 5 years on any business entity or product supervisor with respect to a product or business practice who knows of a serious danger associated with such product or business practice and knowingly fails within 15 days after discovering such danger to inform an appropriate federal agency in writing, warn affected employees in writing, and inform other affected individuals.  Imposes a fine and/or prison term of up to 1 year on any individual who intentionally discriminates against an employee who informs a federal agency or warns employees of a serious danger associated with a product or business practice.

dangerous products warning act amends federal criminal code impose fine prison term years business entity product supervisor respect product business practice knows danger associated product business practice knowingly fails days discovering danger inform appropriate federal agency writing warn affected employees writing inform affected individuals imposes fine prison term year individual intentionally discriminates employee informs federal agency employees danger associated product business practice


Summary: Credit Card Minimum Payment Notification Act of 2009 - Amends the Truth in Lending Act regarding disclosures required with each billing cycle under an open end consumer credit plan to require a credit card issuer to include in specified type a written statement in the following form: "Minimum Payment Warning: Making only the minimum payment will increase the interest you pay and the time it takes to repay your balance."Prescribes additional statements disclosing the length of time it will take to pay off the balance if only the minimum amount due is paid.Provides that if the open-end credit card account is subject to a variable rate : (1) the creditor may make disclosures based on the rate for the entire balance as of the date of the disclosure and indicate that the rate may vary; and (2) the cardholder shall be provided with referrals or, in the alternative, with the toll free telephone number of the National Foundation for Credit Counseling for referrals to credit counseling services.Exempts from such disclosure requirements any billing cycle in which: (1) the account agreement requires a minimum payment of not less than 10% of the outstanding balance; and (2) finance charges are not imposed.

amends truth lending act disclosures required billing cycle open end consumer credit plan require credit card issuer include specified type written statement following form minimum payment warning making minimum payment increase interest pay time takes repay balance additional statements disclosing length time pay balance minimum paid provides open end credit card account subject variable rate creditor disclosures based rate entire balance date disclosure indicate rate vary cardholder shall provided referrals alternative toll free telephone number referrals credit counseling services exempts disclosure requirements billing cycle account agreement requires minimum payment outstanding balance finance charges imposed


Summary: Passenger Vehicle Loss Disclosure Act - Directs the Secretary of Transportation to require all insurers and self-insurers of passenger motor vehicles to disclose to the public, in a commercially reasonable, electronically accessible manner, for each passenger motor vehicle declared or determined to be a total loss: (1) the vehicle identification number and odometer reading; (2) the date of and primary reason for the total loss determination; and (3) whether the airbags deployed.

passenger vehicle loss disclosure act directs secretary transportation require insurers self insurers passenger motor vehicles disclose public commercially reasonable electronically accessible manner passenger motor vehicle declared determined total loss vehicle identification number reading date primary reason total loss determination deployed


Summary: Credit Cardholders' Bill of Rights Act of 2009 - Amends the Truth in Lending Act to prohibit a creditor from increasing any annual percentage rate of interest (APR) applicable to the existing balance on an open end credit card account unless specified conditions are met. Allows a creditor to increase an APR on the existing credit card balance only if the increase is due solely to one of three specified circumstances. Requires a 45-day advance notice of credit card account rate increases. Prohibits imposition of a finance charge, with certain exceptions, upon a credit card account balance that is based on balances for days in billing cycles preceding the most recent billing cycle (double cycle billing). Prohibits the imposition of a fee on an outstanding credit card balance, at the end of a billing period, that is attributable only to interest accrued during the preceding billing period on an outstanding balance fully repaid during that preceding billing period. Requires each periodic statement of account to provide the telephone number, Internet address, and website at which the payoff balance may be requested. Grants a consumer the right to reject a new credit card before the creditor notifies a consumer reporting agency of its corresponding account. Sets forth special rules for accounts with promotional rate balances or deferred interest balances. Prohibits a creditor from denying a cardholder a specified payment grace period if the cardholder takes advantage of a promotional rate balance or deferred interest rate balance.Requires creditors to send a periodic credit card statement of account to the consumer at least 25 calendar days before the due date for the next payment on the outstanding balance. Authorizes a consumer to opt-out of creditor authorization of over-the-limit transactions if fees are imposed. Prohibits imposition of any over-the-limit fee if the credit limit was exceeded due to a credit hold, unless the actual amount of the transaction for which the hold was placed would have resulted in the consumer's exceeding such credit limit. Prescribes the contents of credit card price and availability information which the Board of Governors of the Federal Reserve System (Board) must collect and make public semiannually. Prescribes a standard for the initial issuance of subprime or "fee harvester" cards (accounts requiring first-year fee payments in excess of 25% of the total amount of credit authorized). Prohibits extensions of credit to consumers under age 18, unless they are emancipated under state law.

bill rights act amends truth lending act prohibit creditor increasing annual percentage rate interest apr applicable existing balance open end credit card account specified conditions met allows creditor increase apr existing credit card balance increase solely specified circumstances requires day advance notice credit card account rate increases prohibits imposition finance charge certain exceptions credit card account balance based balances days billing cycles preceding recent billing cycle double cycle billing prohibits imposition fee outstanding credit card balance end billing period attributable interest accrued preceding billing period outstanding balance fully repaid preceding billing period requires periodic statement account provide telephone number internet address website payoff balance requested grants consumer right reject new credit card creditor notifies consumer reporting agency corresponding account sets forth special rules accounts promotional rate balances deferred interest balances prohibits creditor denying cardholder specified payment grace period cardholder takes advantage promotional rate balance deferred interest rate balance requires creditors send periodic credit card statement account consumer calendar days date payment outstanding balance authorizes consumer opt creditor authorization limit transactions fees imposed prohibits imposition limit fee credit limit exceeded credit hold actual transaction hold placed resulted consumer exceeding credit limit prescribes contents credit card price availability information board_of_governors federal_reserve_system board collect public semiannually prescribes standard initial issuance subprime fee cards accounts requiring year fee payments excess total credit authorized prohibits extensions credit consumers age emancipated state law


Summary: Supplemental Anti-Fraud Enforcement for our Market Act or the SAFE Markets Act - Authorizes: (1) the Director of the Federal Bureau of Investigation (FBI) to hire an additional 500 agents who shall be dedicated to investigating violations of the law relating to the U.S. financial markets; (2) the Attorney General to hire an additional 50 Assistant United States Attorneys who shall be dedicated to prosecuting such violations; and (3) the Securities and Exchange Commission (SEC) to hire 100 additional enforcement staff members who shall be dedicated to prosecuting such violations.

supplemental anti fraud enforcement market act safe markets act authorizes director federal_bureau_of_investigation fbi hire additional agents shall dedicated investigating violations law relating financial markets attorney general hire additional assistant united states attorneys shall dedicated prosecuting violations securities_and_exchange_commission sec hire additional enforcement staff members shall dedicated prosecuting violations


Summary: Amends the Consumer Product Safety Act to allow a secondhand seller to sell, offer for sale, or distribute a product or substance that is not in conformity with a consumer product safety rule relating to lead in children's products or to currently-required labeling for children's products. Defines "secondhand seller" to include: (1) a consignment or thrift shop; (2) an individual who uses the Internet, a yard sale, or other casual means; or (3) a person who sells such a product at an auction to benefit a nonprofit organization.Delays by six months each required step down in the allowed lead level in children's products. Applies this change as though it had taken effect on August 15, 2008.Prevents a specified requirement for third-party children's product safety testing from going into effect before August 9, 2009. Applies this change as though it had taken effect on August 15, 2008.Relieves a manufacturer from the requirement to test or certify a product regarding lead content if the manufacturer has tested and certifies each component of the product.Prohibits either the Consumer Product Safety Commission (CPSC) or any state attorney general from initiating an enforcement proceeding under the Consumer Product Safety Act or the Federal Hazardous Substances Act regarding product certification and labeling and children's products containing lead until 30 days after the issuance of final rules, regulations, or guidance.Requires the CPSC to waive any civil penalty for a good faith first violation of a prohibition under the Act.Requires the CPSC to develop, publish, and distribute a guide to assist small enterprises in complying with the requirements of the Consumer Product Safety Act and other Acts enforced by the CPSC.

amends consumer product safety act allow secondhand seller sell offer sale distribute product substance conformity consumer product safety rule relating lead children products currently required labeling children products defines secondhand seller include consignment thrift shop individual uses internet yard sale casual means person sells product auction benefit nonprofit organization delays months required step allowed lead level children products applies change taken effect august specified requirement party children product safety testing going effect august applies change taken effect august manufacturer requirement test certify product lead content manufacturer tested certifies component product prohibits consumer_product_safety_commission cpsc state attorney general initiating enforcement proceeding consumer product safety act federal_hazardous_substances_act product certification labeling children products containing lead days issuance final rules regulations guidance requires cpsc waive civil penalty good faith violation prohibition act requires cpsc develop publish distribute guide assist small enterprises complying requirements consumer product safety act acts enforced cpsc


Summary: Fraud Enforcement and Recovery Act of 2009 or FERA - (Sec. 2) Amends the federal criminal code to include within the definition of "financial institution" a mortgage lending business or any person or entity that makes, in whole or in part, a federally related mortgage loan. Defines "mortgage lending business" as an organization that finances or refinances any debt secured by an interest in real estate, including private mortgage companies and their subsidiaries, and whose activities affect interstate or foreign commerce. Extends the prohibition against making false statements in a mortgage application to employees and agents of a mortgage lending business. Applies the prohibition against defrauding the federal government to fraudulent activities involving the Troubled Asset Relief Program (TARP) or a federal economic stimulus, recovery, or rescue plan. Expands securities fraud provisions to cover fraud involving options and futures in commodities. Expands the concept of monetary proceeds, for purposes of enforcing prohibitions against money laundering, to include gross receipts. Expresses the sense of Congress with respect to the prosecution of money laundering crimes in combination with other closely-connected offenses. Requires the Attorney General to report to the House and Senate Judiciary Committees on such prosecutions. (Sec. 3) Authorizes appropriations to the Attorney General for FY2010-FY2011 for investigations, prosecutions, and civil and administrative proceedings involving federal assistance programs and financial institutions. Allocates such funds among various departments of the Department of Justice (DOJ). Requires that an appropriate percentage of such funds be used to investigate mortgage fraud. Authorizes additional appropriations to the U.S. Postal Service, the Inspector General for the Department of Housing and Urban Development (HUD), the U.S. Secret Service, and the Securities and Exchange Commission (SEC), including the Office of Inspector General, in FY2010-FY2011 for similar investigations. Requires the Attorney General, in consultation with the U.S. Postal Inspection Service, the Inspector General for HUD, the Secretary of Homeland Security, and the SEC Commissioner [sic], to submit a report to Congress identifying: (1) amounts spent for investigations, with a certification of compliance that funds have been spent in accordance with this Act; and (2) amounts recovered from criminal or civil restitution, fines, penalties, and other monetary recoveries. (Sec. 4) Amends the False Claims Act to: (1) expand liability under such Act for making false or fraudulent claims to the federal government; and (2) apply liability under such Act for presenting a false or fraudulent claim for payment or approval (currently limited to such a claim presented to an officer or employee of the federal government). Requires persons who violate such Act to reimburse the federal government for the costs of a civil action to recover penalties or damages. Modifies and expands provisions of the False Claims Act relating to intervention by the federal government in civil actions for false claims, sharing of information by the Attorney General with a claimant, retaliatory relief, and service upon state or local authorities in sealed cases. (Sec. 5) Establishes in the legislative branch the Financial Crisis Inquiry Commission to examine the causes of the current U.S. financial and economic crisis, taking into account fraud and abuse in the financial sector and other specified factors. Requires the Commission to submit a final report on its findings to the President and Congress on December 15, 2010. Requires the Commission chairperson to appear before the House Committee on Financial Services and the Senate Committee on Banking, Housing, and Urban Affairs within 120 days after the submission of such report. Terminates the Commission 60 days after the submission of such report. Authorizes appropriations.

recovery_act sec amends federal criminal code include definition financial institution mortgage lending business person entity makes federally related mortgage loan defines mortgage lending business organization finances refinances debt secured interest real estate including private mortgage companies subsidiaries activities affect interstate foreign commerce extends prohibition making false statements mortgage application employees agents mortgage lending business applies prohibition federal government fraudulent activities involving troubled_asset_relief_program tarp federal economic stimulus recovery rescue plan expands securities fraud provisions cover fraud involving options futures commodities expands concept monetary proceeds purposes enforcing prohibitions money laundering include gross receipts expresses sense congress respect prosecution money laundering crimes combination closely connected offenses requires attorney general report house senate judiciary committees prosecutions sec authorizes appropriations attorney general fy2010 fy2011 investigations prosecutions civil administrative proceedings involving federal assistance programs financial institutions allocates funds departments department_of_justice doj requires appropriate percentage funds investigate mortgage fraud authorizes additional appropriations inspector general department_of_housing_and_urban_development hud securities_and_exchange_commission sec including office_of_inspector_general fy2010 fy2011 similar investigations requires attorney general consultation inspector general hud secretary homeland_security sec commissioner sic submit report congress identifying amounts spent investigations certification compliance funds spent accordance act amounts recovered criminal civil restitution fines penalties monetary recoveries sec amends false claims act expand liability act making false fraudulent claims federal government apply liability act presenting false fraudulent claim payment approval currently limited claim presented officer employee federal government requires persons violate act reimburse federal government costs civil action recover penalties damages modifies expands provisions false claims act relating intervention federal government civil actions false claims sharing information attorney general claimant retaliatory relief service state local authorities sealed cases sec establishes legislative branch financial crisis inquiry commission examine causes current financial economic crisis taking account fraud abuse financial sector specified factors requires commission submit final report findings president congress december requires commission chairperson appear days submission report terminates commission days submission report authorizes appropriations


Summary: Amends the Consumer Product Safety Improvement Act of 2008 to revise the effective dates relating to the allowable limits on lead in children's products so as to link such dates to the publication of related final regulations and stays of enforcement by the Consumer Product Safety Commission (CPSC).

amends consumer product safety improvement act revise effective dates relating allowable limits lead children products link dates publication related final regulations stays enforcement consumer_product_safety_commission cpsc


Summary: Credit Card Accountability Responsibility and Disclosure Act of 2009 or the Credit CARD Act of 2009 - (Sec. 3) States that this Act shall become effective nine months after its date of enactment. Title I: Consumer Protection - Amends the Truth in Lending Act to require advance notice of any increase in the annual percentage rate of interest (APR) pertaining to a credit card account under an open end consumer credit plan. Requires such advance notice to include a statement of the obligor's right to cancel the account before the effective date of the increase. (Sec. 102) Imposes a freeze on interest rate terms and fees on canceled cards. (Sec. 103) Sets limits on fees and interest charges, including a prohibition against penalties for on-time payments. Authorizes a consumer to elect by timely notice to prohibit a creditor from completing any over-the-limit credit card transaction that will result in a fee, or constitute a default, under an open end consumer credit plan agreement which allows the creditor to impose an over-the-limit fee for any extension of credit beyond the amount of credit authorized. Allows an over-the-limit fee only when an extension of credit obtained by the obligor causes the account credit limit to be exceeded. Prohibits such a fee when the credit limit is exceeded only because of a fee or interest charge. Allows imposition of an over-the-limit fee only once during a billing cycle. Prohibits its imposition in a subsequent billing cycle with respect to such excess credit, unless the obligor has obtained an additional extension of credit in excess of the credit limit during that subsequent cycle. Prohibits a separate fee to allow the obligor to repay an extension of credit or finance charge, whether such repayment is made by mail, electronic transfer, telephone authorization, or other means. Requires fees for cardholder agreement violations and currency exchanges to be reasonable. (Sec. 104) Prohibits a creditor from furnishing information to a consumer reporting agency concerning a newly opened credit card account until the credit card has been used or activated by the consumer. (Thus grants the consumer a right to reject a credit card before notice of the new account is given to a consumer reporting agency.) (Sec. 105) Sets forth requirements for the terms of any credit card account, particularly fixed rate and prime rate, under any open end consumer credit plan. (Sec. 106) Revises requirements for prompt and fair crediting of card payments.(Sec. 107) Increases from 14 to 21 days the length of the billing period for imposition of the finance charge in credit statements. (Sec. 108) Prohibits universal default except in certain circumstances. Prohibits unilateral changes to cardholder agreements until after the date on which the credit card will expire if not renewed. (Sec. 109) Increases the civil penalty against any creditor who fails to comply with specified requirements in the case of an individual action relating to an open end credit plan that is not secured by real property or a dwelling. Specifies such penalty as twice the amount of any finance charge in connection with a transaction, with a minimum of $500 and a maximum of $5,000, or an appropriate higher amount in the case of an established pattern or practice of such failures. (Sec. 110) Requires specified federal regulatory agencies to evaluate the policies and procedures used by credit card issuers for compliance with this Act. Specifies additional transaction or event information to be included in APR information the Board of Governors of the Federal Reserve System (Federal Reserve Board) must collect, publish, and disseminate to the public. Title II: Enhanced Consumer Disclosures - (Sec. 201) - Revises payoff and repayment timing disclosure requirements, as well as those for civil liability determinations for creditor compliance violations. Requires the creditor to provide a toll-free telephone number at which the consumer may receive information about accessing credit counseling and debt management services from agencies certified by the Secretary of the Treasury (Secretary) as meeting the criteria under this Act. Instructs the Secretary, through the Office of Financial Education (OFE), to issue guidelines for the establishment and maintenance of such a toll-free telephone number. (Sec. 202) Revises requirements relating to late payment deadlines and penalties. Requires a periodic statement of account to disclose: (1) the date by which a payment must be postmarked, if paid by mail, in order to avoid the imposition of a late payment fee; and (2) any possible resulting increase in interest rates for late payments. (Sec. 203) Repeals the special rule for disclosure of APR and annual fee before a credit card account renewal. Title III: Protection of Young Consumers - (Sec. 301) Prohibits issuance of a credit card on behalf of a consumer under age 21, unless the consumer has submitted a written application meeting specified requirements. Directs the Secretary, acting through the OFE, to make and publish a list of all courses and programs that have been certified for financial literacy or financial education purposes appropriate for young consumers. (Sec. 302) Prohibits issuance to students of certain affinity cards, pursuant to any agreement between the creditor and an institution of higher education, unless certain requirements have been met. (Sec. 303) Amends the Fair Credit Reporting Act to allow consumers between ages 18 and 21 to elect to be included in any list provided by a consumer reporting agency in connection with a credit or insurance transaction that is not initiated by the consumer. (Sec. 304) Amends the Truth in Lending Act to require approval by such individual to increase credit lines for credit card accounts for which a parent, legal guardian, spouse, or any other individual is jointly liable until the consumer attains the age of 21. Title IV: Federal Agency Coordination - (Sec. 401) Amends the Federal Trade Commission Act to require all federal banking agencies and the Federal Trade Commission (FTC) to coordinate rulemaking and regulations. Requires the Comptroller General to a report to Congress on the status of regulations of the federal banking agencies and the National Credit Union Administration (NCUA) regarding unfair and deceptive acts or practices by depository institutions and federal credit unions. Title V: Gift Cards - (Sec. 502) Declares that, with respect to a gift certificate, store gift card, or general-use prepaid card, it is unlawful, except in specified circumstances, to: (1) impose a dormancy fee, inactivity fee, or a service fee; or (2) sell or issue such a certificate or card subject to an expiration date. Prescribes disclosure requirements for such cards. (Sec. 504) Empowers the FTC to enforce these prohibitions. Title VI: Miscellaneous Provisions - (Sec. 601) Directs the Comptroller General to study and report to certain congressional committees on the extent to which interchange fees must be disclosed to consumers and merchants and how such fees are overseen by the federal banking agencies. (Sec. 602) Directs the Comptroller General to establish the Credit Card Safety Rating System Commission to: (1) to determine if a rating system to allow cardholders to quickly assess the level of safety of credit card agreements would be beneficial to consumers; and (2) assess the impact on credit card transparency and consumer safety of various rating system policy options. Authorizes appropriations. (Sec. 603) Amends the the Federal Deposit Insurance Act (FDIA) and the Federal Credit Union Act (FCUA) to increase the borrowing authority: (1) of the Federal Deposit Insurance Corporation (FDIC) from $30 billion to $100 billion; and (2) of the NCUA from $100 million to $6 billion. Authorizes temporary further increases for the FDIC of up to $500 billion, and for the NCUA of up to $18 billion, through calendar 2010 if the FDIC Board of Directors or the NCUA Board, as the case may be, together with the Federal Reserve Board and the Secretary, determine that additional increases are necessary. Amends the FCUA to direct the NCUA Board to establish a National Credit Union Share Insurance Fund Restoration Plan whenever the Board determines that the equity ratio of the National Credit Union Share Insurance Fund will fall below a specified minimum amount.

credit_card_accountability_responsibility disclosure act credit card act sec states act shall effective months date enactment title consumer protection amends truth lending act require advance notice increase annual percentage rate interest apr pertaining credit card account open end consumer credit plan requires advance notice include statement obligor right cancel account effective date increase sec imposes freeze interest rate terms fees canceled cards sec sets limits fees interest charges including prohibition penalties time payments authorizes consumer elect timely notice prohibit creditor completing limit credit card transaction result fee constitute default open end consumer credit plan agreement allows creditor impose limit fee extension credit credit authorized allows limit fee extension credit obtained obligor causes account credit limit exceeded prohibits fee credit limit exceeded fee interest charge allows imposition limit fee billing cycle prohibits imposition subsequent billing cycle respect excess credit obligor obtained additional extension credit excess credit limit subsequent cycle prohibits separate fee allow obligor repay extension credit finance charge repayment mail electronic transfer telephone authorization means requires fees cardholder agreement violations currency exchanges reasonable sec prohibits creditor furnishing information consumer reporting agency concerning newly opened credit card account credit card activated consumer grants consumer right reject credit card notice new account given consumer reporting agency sec sets forth requirements terms credit card account particularly fixed rate prime rate open end consumer credit plan sec revises requirements prompt fair crediting card increases days length billing period imposition finance charge credit statements sec prohibits universal default certain circumstances prohibits unilateral changes cardholder agreements date credit card expire renewed sec increases civil penalty creditor fails comply specified requirements case individual action relating open end credit plan secured real property dwelling specifies penalty twice finance charge connection transaction minimum maximum appropriate higher case established pattern practice failures sec requires specified federal regulatory agencies evaluate policies procedures credit card issuers compliance act specifies additional transaction event information included apr information board_of_governors federal_reserve_system federal_reserve_board collect publish disseminate public title enhanced consumer disclosures sec revises payoff repayment timing disclosure requirements civil liability determinations creditor compliance violations requires creditor provide toll free telephone number consumer receive information accessing credit counseling debt management services agencies certified secretary treasury secretary meeting criteria act instructs secretary issue guidelines establishment maintenance toll free telephone number sec revises requirements relating late payment deadlines penalties requires periodic statement account disclose date payment paid mail order avoid imposition late payment fee possible resulting increase interest rates late payments sec repeals special rule disclosure apr annual fee credit card account renewal title iii protection young consumers sec prohibits issuance credit card behalf consumer age consumer submitted written application meeting specified requirements directs secretary acting publish list courses programs certified financial literacy financial education purposes appropriate young consumers sec prohibits issuance students certain affinity cards pursuant agreement creditor institution higher education certain requirements met sec amends fair credit reporting act allow consumers ages elect included list provided consumer reporting agency connection credit insurance transaction initiated consumer sec amends truth lending act require approval individual increase credit lines credit card accounts parent legal guardian spouse individual jointly liable consumer attains age title federal agency coordination sec amends federal_trade_commission act require federal banking agencies federal_trade_commission ftc coordinate rulemaking regulations requires comptroller general report congress status regulations federal banking agencies national_credit_union_administration ncua unfair deceptive acts practices depository institutions federal credit unions title sec declares respect gift certificate store gift card general use prepaid card unlawful specified circumstances impose dormancy fee inactivity fee service fee sell issue certificate card subject expiration date prescribes disclosure requirements cards sec empowers ftc enforce prohibitions title miscellaneous provisions sec directs comptroller general study report certain congressional committees extent interchange fees disclosed consumers merchants fees overseen federal banking agencies sec directs comptroller general establish determine rating system allow quickly assess level safety credit card agreements beneficial consumers assess impact credit card transparency consumer safety rating system policy options authorizes appropriations sec amends federal_deposit_insurance_act fdia federal_credit_union_act fcua increase borrowing authority federal_deposit_insurance_corporation fdic billion billion ncua million billion authorizes temporary increases fdic billion ncua billion calendar ncua_board case federal_reserve_board secretary determine additional increases necessary amends fcua direct ncua_board establish national_credit_union_share_insurance_fund restoration plan board determines equity ratio national_credit_union_share_insurance_fund fall specified minimum


Summary: Financial Product Safety Commission Act of 2009 - Establishes the Financial Product Safety Commission to: (1) promulgate consumer financial product safety rules; (2) establish a best practices guide for all providers of consumer financial products; (3) conduct continuing studies and investigations of consumer financial products industry practices; (4) award grants or enter into contracts for the conduct of such studies and investigations; (5) assist public and private organizations or groups of consumer financial product providers, administratively and technically, in the development of safety standards or guidelines that would assist them in complying with any Commission rule; (6) comment on selected agency rulemakings affecting consumer financial products; and (7) establish a consumer financial product customer hotline.

establishes financial product safety commission promulgate consumer financial product safety rules establish best practices guide providers consumer financial products conduct continuing studies investigations consumer financial products industry practices award grants enter contracts conduct studies investigations assist public private organizations groups consumer financial product providers administratively technically development safety standards guidelines assist complying commission rule comment selected agency rulemakings affecting consumer financial products establish consumer financial product customer hotline


Summary: Interest Rate Reduction Act - Amends the Truth in Lending Act to prohibit the annual percentage rate of interest (APR) applicable to any extension of credit to a consumer from exceeding 15% on unpaid balances, inclusive of all finance charges. Authorizes the Board of Governors of the Federal Reserve System to establish an APR ceiling exceeding the 15% annual rate for periods not to exceed 18 months, upon a determination that: (1) money market interest rates have risen over the preceding six-month period; and (2) prevailing interest rate levels threaten the safety and soundness of individual lenders, as evidenced by adverse trends in liquidity, capital, earnings, and growth. Declares the interest rate limitation inapplicable to an extension of credit by an insured credit union.Subjects a creditor who violates this Act to a civil penalty.

interest rate reduction act amends truth lending act prohibit annual percentage rate interest apr applicable extension credit consumer exceeding unpaid balances inclusive finance charges authorizes board_of_governors federal_reserve_system establish apr ceiling exceeding annual rate periods exceed months determination money market interest rates preceding month period prevailing interest rate levels threaten safety soundness individual lenders evidenced adverse trends liquidity capital earnings growth declares interest rate limitation inapplicable extension credit insured credit union subjects creditor violates act civil penalty


Summary: Common Sense in Consumer Product Safety Act of 2009 - Amends the Consumer Product Safety Improvement Act of 2008 to prohibit considering a sale after the first retail sale or a repair of a used children's product to be an introduction into interstate commerce under provisions of the Federal Hazardous Substances Act concerning children's products containing lead (effectively making children's product lead limits inapplicable to secondary sales or repairs of such products). Prohibits considering a vehicle designed or intended primarily for children seven years of age or older to be a children's product under such provisions.

consumer product safety act amends consumer product safety improvement act prohibit considering sale retail sale repair children product introduction interstate commerce provisions federal_hazardous_substances_act concerning children products containing lead effectively making children product lead limits inapplicable secondary sales repairs products prohibits considering vehicle designed intended primarily children seven years age older children product provisions


Summary: Fair Gift Card Act of 2009 - Declares it unlawful, with certain exceptions, for any person to impose a dormancy fee, inactivity charge or fee, or a service fee with respect to a gift certificate, store gift card, or general-use prepaid card. Declares it unlawful, with certain exceptions, for any person to sell or issue a gift certificate, store gift card, or general-use prepaid card that is subject to an expiration date. Requires any violation of this Act to be treated as a violation of a rule defining an unfair or deceptive act or practice prescribed under the Federal Trade Commission Act.

fair declares unlawful certain exceptions person impose dormancy fee inactivity charge fee service fee respect gift certificate store gift card general use prepaid card declares unlawful certain exceptions person sell issue gift certificate store gift card general use prepaid card subject expiration date requires violation act treated violation rule defining unfair deceptive act practice prescribed federal_trade_commission_act


Summary: Drywall Safety Act of 2009 - Requires the Consumer Product Safety Commission (CPSC) to: (1) study drywall that was imported from China from 2004 through 2007 and used in U.S. residences; and (2) initiate a proceeding on whether a consumer product safety standard regulating drywall materials is necessary. Requires the CPSC to: (1) designate drywall containing over 5% organic compounds by weight as a product with a product defect which constitutes a substantial product hazard; and (2) order manufacturers, distributors, and retailers of such drywall to cease distribution and notify all persons who handle such product to cease distribution. Requires that the order remain in effect until: (1) the CPSC publishes a determination that such a standard is not necessary; or (2) such a standard takes effect.

drywall safety act requires consumer product safety commission cpsc study drywall imported china residences initiate proceeding consumer product safety standard regulating drywall materials necessary requires cpsc designate drywall containing organic compounds weight product product defect constitutes substantial product hazard order manufacturers distributors retailers drywall cease distribution notify persons handle product cease distribution requires order remain effect cpsc publishes determination standard necessary standard takes effect


Summary: Fairness for Homeowners Act of 2009 - Amends the Truth in Lending Act to prohibit a creditor or mortgage broker from arranging a consumer credit transaction secured by the principal dwelling of a consumer without first verifying the consumer's reasonable ability to to make the scheduled payments of principal, interest (including variable interest), real estate taxes, homeowner's insurance, assessments, and mortgage insurance premiums. Prescribes criteria to: (1) determine such consumer's reasonable ability to pay a variable interest rate; and (2) verify the consumer's income and financial resources. Declares a consumer's statement of income or financial resources insufficient evidence of the consumer's financial status. Prohibits consumer equity in the principal dwelling that secures the consumer credit transaction from being used to establish ability to make payments. Prohibits a mortgage broker or creditor from: (1) steering, counseling, or directing a consumer to rates, charges, principal amount, or prepayment terms that are more expensive than those for which the consumer qualifies; (2) arranging for any consumer credit transaction secured by the principal dwelling of a consumer that is more expensive than that for which the consumer qualifies; (3) engaging in certain mischaracterizations. Prohibits prepayment penalties. Limits finance points, charges, and fees. Cites duties owed to a consumer by a mortgage broker. Requires creditors and mortgage brokers to obtain independent verification that a borrower seeking to refinance a special mortgage has received counseling on the transaction's advisability. Defines "special mortgage" as one that: (1) was originated, subsidized, funded, or guaranteed by or through a state, tribal, or local government, or nonprofit organization; and (2) bears one or more specified nonstandard payment terms which substantially benefit the consumer. Prescribes minimum financial requirements for mortgage brokers. Excludes reverse mortgages from coverage by this Act.

fairness homeowners act amends truth lending act prohibit creditor mortgage broker arranging consumer credit transaction secured principal dwelling consumer verifying consumer reasonable ability scheduled payments principal interest including variable interest real estate taxes homeowner insurance assessments mortgage insurance premiums prescribes criteria determine consumer reasonable ability pay variable interest rate verify consumer income financial resources declares consumer statement income financial resources insufficient evidence consumer financial status prohibits consumer equity principal dwelling secures consumer credit transaction establish ability payments prohibits mortgage broker creditor steering counseling directing consumer rates charges principal prepayment terms expensive consumer qualifies arranging consumer credit transaction secured principal dwelling consumer expensive consumer qualifies engaging certain prohibits prepayment penalties limits finance points charges fees cites duties owed consumer mortgage broker requires creditors mortgage brokers obtain independent verification borrower seeking refinance special mortgage received counseling transaction advisability defines special mortgage originated subsidized funded guaranteed state tribal local government nonprofit organization bears specified nonstandard payment terms substantially benefit consumer prescribes minimum financial requirements mortgage brokers excludes reverse mortgages coverage act


Summary: Imported and Domestic Product Safety Act of 2009 - Establishes in the Department of Commerce an Office of Imported and Domestic Product Safety to carry out specified duties, including: (1) coordinating all departments and agencies that have product safety responsibilities in a way that protects the health and safety of U.S. consumers and provides consumers and businesses with access to product safety information; (2) improving the www.Recalls.gov website; and (3) developing a publicly accessible database with information about all mandatory and voluntary product safety actions taken by businesses, departments, and agencies. Establishes a Product Safety Coordinating Council to assist the Office's director.

imported domestic product safety act establishes carry specified duties including coordinating departments agencies product safety responsibilities way protects health safety consumers provides consumers businesses access product safety information improving website developing publicly accessible database information mandatory voluntary product safety actions taken businesses departments agencies establishes product safety coordinating council assist office director


Summary: Truth in Fur Labeling Act of 2009 - Amends the Fur Products Labeling Act to: (1) eliminate the exemption to fur labeling requirements for products containing relatively small amounts of fur; and (2) permit states to enforce more restrictive labeling requirements. Directs the the Federal Trade Commission (FTC), in the Fur Products Name Guide, to replace the term "Raccoon, Asiatic" with "Dog, Raccoon."

truth fur labeling act amends eliminate exemption fur labeling requirements products containing relatively small amounts fur permit states enforce restrictive labeling requirements directs federal_trade_commission ftc replace term raccoon dog raccoon


Summary: Confidence in Long-Term Care Insurance Act of 2009 - Directs the Secretary of Health and Human Services to request the National Association of Insurance Commissioners (NAIC) to conduct biennial reviews of the national and state-specific markets for long-term care (LTC) insurance policies. Directs the Secretary to request the NAIC to: (1) develop model language for marketing of long-term insurance policies that meets certain criteria; and (2) develop recommendations for enforcement of the model marketing disclosures and definitions. Amends the Deficit Reduction Act of 2005 to authorize establishment of an Internet directory of information regarding LTC insurance ("LTC Insurance Compare") that shall include comparison tools to assist consumers in evaluating LTC insurance policies with different benefits and features. Amends the Internal Revenue Code to apply Medicaid partnership required model provisions to all tax-qualified LTC insurance contracts. Outlines a process for secretarial review of 2000 and 2006 model provisions as well as subsequent model provisions with respect to their application to tax-qualified LTC policies and Medicaid partnership policies. Amends the Deficit Reduction Act of 2005 to require the Secretary to issue biennial reports to states and Congress on Medicaid LTC insurance partnerships and their impact. Outlines additional consumer protections for Medicaid partnerships. Directs the Secretary to report to Congress on whether all LTC insurance policies sold after a certain date determined by the Secretary should provide annual compound inflation protection.

confidence long term care insurance act directs secretary health_and_human_services request national_association_of_insurance_commissioners naic conduct biennial reviews national state specific markets long term care ltc insurance policies directs secretary request naic develop model language marketing long term insurance policies meets certain criteria develop recommendations enforcement model marketing disclosures definitions amends deficit reduction act authorize establishment internet directory information ltc insurance ltc insurance compare shall include comparison tools assist consumers evaluating ltc insurance policies different benefits features amends internal revenue code apply medicaid partnership required model provisions tax qualified ltc insurance contracts outlines process secretarial review model provisions subsequent model provisions respect application tax qualified ltc policies medicaid partnership policies amends deficit reduction act require secretary issue biennial reports states congress insurance partnerships impact outlines additional consumer protections medicaid partnerships directs secretary report congress ltc insurance policies sold certain date determined secretary provide annual compound inflation protection


Summary: Residential Carbon Monoxide Poisoning Prevention Act - Amends the Consumer Product Safety Act to require the Consumer Product Safety Commission (CPSC) to publish the American National Standard for Single and Multiple Station Carbon Monoxide Alarms (American National Standard ANSI/UL 2034-2005) as a mandatory consumer product safety standard. Makes it unlawful for any manufacturer or distributor to import or distribute any new assembled or unassembled residential carbon monoxide detector unless it complies with the standard. Requires the CPSC to issue a final rule in its proceeding titled Portable Generators, including a requirement that portable generators incorporate an automatic shutoff feature if compliance with such a requirement is technologically feasible. Requires the CPSC to establish a grant program to provide assistance to states to carry out a carbon monoxide alarm program.

require consumer_product_safety_commission cpsc publish american_national_standard_for_single_and_multiple_station_carbon_monoxide_alarms mandatory consumer product safety standard makes unlawful manufacturer distributor import distribute new assembled residential carbon monoxide detector complies standard requires cpsc issue final rule proceeding titled including requirement portable generators incorporate automatic feature compliance requirement technologically feasible requires cpsc establish grant program provide assistance states carry carbon monoxide alarm program


Summary: Providing for Additional Security in States' Identification Act of 2009 or the PASS ID Act - (Sec. 2) Repeals title II (Improved Security for Driver's Licenses and Personal Identification Cards) of the REAL ID Act of 2005. (Sec. 3) Amends the Homeland Security Act of 2002 to prohibit federal agencies from accepting state-issued driver's licenses and personal identification cards unless the state issues such licenses and cards that are materially compliant with the minimum standards of this Act. Authorizes the Secretary of Homeland Security to certify any driver's license or identification card, including an Enhanced Driver's License designated by the Secretary under the 9/11 Commission Implementation Act of 2004, as compliant with the requirements of this Act if the Secretary determines, after review, that it meets them. Allows any person not presenting a state-issued driver's license or identification card to be permitted to board a commercial aircraft, or be denied such permission, upon the unreviewable discretion of the Secretary or his or her designated security official. Specifies minimum document requirements and issuance standards for such licenses and cards, including personal information, a combination of security features, a common machine-readable technology, a digital photo, and certain documentation. Requires a state, before issuing a driver's license or identification card, to verify that a person: (1) is a U.S. citizen or national, or an alien lawfully admitted for permanent residence in the United States; or (2) is an alien meeting certain other lawful immigrant or nonimmigrant requirements (for whom the state may issue only a temporary driver's license or identification card). Requires the Secretary to assess annually whether an electronic system: (1) exists to allow states to receive reliable verification of date of birth information from a license or card issuing state; and (2) includes measures to protect the confidentiality of personally identifiable information. Directs the Secretary to enter into the appropriate aviation security screening database information on persons who have been convicted of using a false driver's license at an airport Establishes: (1) a State Driver's License Enhancement Grant Program to assist states in conforming to the minimum standards of this Act; and (2) a Vital Records Digitization Grant Program to assist states in digitizing birth records. Authorizes appropriations for: (1) FY2010-FY2015 for the State Driver's License Enhancement Grant Program; and (2) FY2011-FY2013 for the Vital Records Digitization Grant Program. Directs the Secretary to establish a state-to-state one driver, one license demonstration program in part to evaluate the feasibility of establishing an electronic system to verify that an applicant for a driver's license or identification card issued in accordance with this Act by one state does not retain a driver's license or identification card issued in accordance with this Act by another state. Authorizes appropriations for FY2010-FY2012. (Sec. 4) Makes it unlawful, with specified exceptions, for a person knowingly and without lawful authority to: (1) scan the information contained in the machine readable component of a driver's license or identification card; and (2) resell, share, trade, or store such information, or track the use of a driver's license or identification card. (Sec. 7) Requires the Secretary, acting through the Chief Privacy Officer and the Civil Rights and Civil Liberties Officer, to report to Congress on the privacy implications of implementing this Act.

providing additional security states identification act pass act sec repeals title improved security driver real act sec amends homeland security act prohibit federal agencies accepting state issued driver licenses personal identification cards state issues licenses cards materially compliant minimum standards act authorizes secretary homeland_security certify driver license identification card including license designated secretary implementation act compliant requirements act secretary determines review meets allows person presenting state issued driver license identification card permitted board commercial aircraft denied permission discretion secretary designated security official specifies minimum document requirements issuance standards licenses cards including personal information combination security features common machine readable technology digital photo certain documentation requires state issuing driver license identification card verify person citizen national alien lawfully admitted permanent residence united_states alien meeting certain lawful immigrant nonimmigrant requirements state issue temporary driver license identification card requires secretary assess annually electronic system exists allow states receive reliable verification date birth information license card issuing state includes measures protect confidentiality personally identifiable information directs secretary enter appropriate aviation security screening database information persons convicted false driver license airport establishes state driver assist states conforming minimum standards act vital records grant program assist states birth records authorizes appropriations fy2010 fy2015 fy2011 fy2013 directs secretary establish state state driver license demonstration program evaluate feasibility establishing electronic system verify applicant driver license identification card issued accordance act state retain driver license identification card issued accordance act state authorizes appropriations fy2010 fy2012 sec makes unlawful specified exceptions person knowingly lawful authority scan information contained machine readable component driver license identification card resell share trade store information track use driver license identification card sec requires secretary acting chief privacy officer report congress privacy implications implementing act


Summary: Mercury Pollution Reduction Act - Declares that is the policy of the United States that the United States should develop policies and programs that will reduce: (1) mercury use and emissions; (2) mercury releases from the reservoir of mercury currently in use or circulation; and (3) exposures to mercury, particularly of women of childbearing age and young children. Amends the Toxic Substances Control Act to prohibit: (1) the manufacture of chlorine or caustic soda using a mercury cell; and (2) the export of any mercury, mercury cell, mercury compound, or mixture containing mercury by the owner or operator of a chlor-alkali facility. Requires the owner or operator of each chlor-alkali facility to report to the Environmental Protection Agency (EPA) Administrator and the state in which the facility is located on mercury waste, emissions, and content in products. Requires the Administrator to: (1) conduct a comprehensive mercury inventory covering the life and closure of chlor-alkali facilities that cease operations on or after January 1, 2009; and (2) obtain mercury purchase records and such other information from each such facility as the Administrator determines to be necessary to determine the magnitude and nature of mercury releases from the facility into air and other environmental media.

mercury pollution reduction act declares policy united_states united_states develop policies programs reduce mercury use emissions mercury releases reservoir mercury currently use circulation exposures mercury particularly women childbearing age young children amends toxic_substances_control_act prohibit manufacture soda mercury cell export mercury mercury cell mercury compound mixture containing mercury owner operator facility requires owner operator facility report environmental_protection_agency epa administrator state facility located mercury waste emissions content products requires administrator conduct comprehensive mercury inventory covering life closure facilities cease operations january obtain mercury purchase records information facility administrator determines necessary determine magnitude nature mercury releases facility air environmental media


Summary: Senior Investor Protections Enhancement Act of 2009 - Amends the Securities Act of 1933, the Securities Exchange Act of 1934, the Investment Company Act of 1940, and the Investment Advisers Act of 1940 to authorize the Securities and Exchange Commission (SEC) to impose, in addition to any other civil penalty, a maximum civil penalty of $50,000 for each violation that is directed toward, targets, or is committed against a person who, at the time of the violation is age 62 or older. Directs the United States Sentencing Commission to review and amend federal sentencing guidelines and policy statements to ensure that guideline offense levels and enhancements appropriately punish criminal violations of the securities laws against seniors.

senior investor protections enhancement act amends securities act securities_exchange_act investment company act investment advisers act authorize securities_and_exchange_commission sec impose addition civil penalty maximum civil penalty violation directed targets committed person time violation age older directs united_states_sentencing_commission review amend federal sentencing guidelines policy statements ensure guideline offense levels enhancements appropriately punish criminal violations securities laws seniors


Summary: Formaldehyde Standards for Composite Wood Products Act - (Sec. 2) Amends the Toxic Substances Control Act (TSCA) to establish formaldehyde emission standards for hardwood plywood, medium-density fiberboard, and particleboard sold, supplied, offered for sale, or manufactured in the United States. Lists exemptions from such standard for hardboard, structural plywood (as specified in the Voluntary Product Standard-Structural Plywood standard numbered PS 1-07), structural panels (as specified in the Voluntary Product Standard-Performance Standard for Wood-Based Structural-Use Panels standard numbered PS 2-04), structural composite lumber (as specified in the Standard Specification for Evaluation of Structural Composite Lumber Products standard labeled ASTM D 5456-06), oriented strand board, glued laminated lumber (as specified in the Structural Glued Laminated Timber standard labeled ANSI A190.1-2002), prefabricated wood I-joists (as specified in the Standard Specification for Establishing and Monitoring Structural Capacities of Prefabricated Wood I-Joists labeled ASTM D 5055-05), finger-jointed lumber, wood packaging (including pallets, crates, spools, and dunnage), and composite wood products used inside new vehicles, rail cars, boats, aerospace craft, aircraft, or windows, exterior doors, and garage doors that contain de minimis amounts of composite wood products. Sets forth provisions concerning compliance with such standards. Requires the Administrator of the Environmental Protection Agency (EPA) to conduct a rulemaking process to determine whether the definition of hardwood plywood should exempt engineered veneer or any laminated product. Applies the formaldehyde emission standard regardless of whether an applicable hardwood plywood, medium-density fiberboard, or particleboard is in the form of an unfinished panel, or incorporated into a finished good. Establishes emission standards for: (1) composite wood products made with no-added formaldehyde-based resins; and (2) ultra low-emitting formaldehyde resin. Directs the Administrator, by July 1, 2013, to promulgate implementing regulations that ensure compliance with the standards, including its provisions relating to labeling, chain of custody requirements, sell-through provisions, ultra low-emitting formaldehyde resins, no-added formaldehyde-based resins, finished goods, third-party testing and certification, auditing and reporting of third-party certifiers, recordkeeping, enforcement, laminated products, and exemptions from the emission requirements for products and components containing de minimis amounts of composite wood products. Requires sell-through provisions, with respect to composite wood products and finished goods containing regulated wood products, to: (1) be based on a designated date of manufacture (which shall be no earlier than the date 180 days following the promulgation of such regulations) of the composite wood product or finished good, rather than date of sale of the composite wood product or finished good; and (2) provide that any inventory of composite wood products or finished goods containing regulated composite wood products manufactured before the designated date of manufacture of the composite wood products or finished goods shall not be subject to the formaldehyde emission standard requirements. Requires implementing regulations to: (1) prohibit the stockpiling of inventory to be sold after the designated date of manufacture; and (2) not require any labeling or testing of composite wood products or finished goods containing regulated composite wood products manufactured before the designated date of manufacture. Requires the Administrator, by July 1, 2013, in coordination with the Commissioner of Customs and Border Protection (CBP) and other appropriate federal agencies, to revise regulations promulgated under TSCA concerning import certification of any chemical substance, mixture, or article containing a chemical substance or mixture as necessary to ensure compliance with this Act. Provides that an individual or entity that violates any requirement under this Act shall be considered to have committed a prohibited act under TSCA. (Sec. 3) Requires the Administrator within a year of this Act's enactment and annually thereafter through December 31, 2014, to report to specified congressional committees on the status of the measures to be carried out pursuant to formaldehyde standards for composite wood products and the extent to which relevant industries have achieved compliance with such requirements. (Sec. 4) Requires the Secretary of Housing and Urban Development (HUD), within 180 days of the Administrator promulgating such standards, to update its regulation regarding formaldehyde emission controls standards for plywood and particleboard materials in manufactured homes to ensure that the regulation reflects TSCA formaldehyde standards.

formaldehyde standards composite wood products act sec amends toxic_substances_control_act tsca establish formaldehyde emission standards medium density fiberboard sold supplied offered sale manufactured united_states lists exemptions standard structural specified voluntary product standard structural standard numbered structural panels specified voluntary product standard performance standard wood based structural use panels standard numbered structural composite lumber specified standard labeled astm oriented board laminated lumber specified standard labeled ansi wood specified labeled astm lumber wood packaging including composite wood products inside new vehicles rail cars boats aerospace craft aircraft windows exterior doors garage doors contain minimis amounts composite wood products sets forth provisions concerning compliance standards requires administrator environmental_protection_agency epa conduct rulemaking process determine definition exempt engineered laminated product applies formaldehyde emission standard regardless applicable medium density fiberboard form unfinished panel incorporated finished good establishes emission standards composite wood products added formaldehyde based resins ultra low emitting formaldehyde resin directs administrator july promulgate implementing regulations ensure compliance standards including provisions relating labeling chain custody requirements sell provisions ultra low emitting formaldehyde resins added formaldehyde based resins finished goods party testing certification auditing reporting party recordkeeping enforcement laminated products exemptions emission requirements products components containing minimis amounts composite wood products requires sell provisions respect composite wood products finished goods containing regulated wood products based designated date manufacture shall earlier date days following promulgation regulations composite wood product finished good date sale composite wood product finished good provide inventory composite wood products finished goods containing regulated composite wood products manufactured designated date manufacture composite wood products finished goods shall subject formaldehyde emission standard requirements requires implementing regulations prohibit stockpiling inventory sold designated date manufacture require labeling testing composite wood products finished goods containing regulated composite wood products manufactured designated date manufacture requires administrator july coordination commissioner customs border protection cbp appropriate federal agencies revise regulations promulgated tsca concerning import certification chemical substance mixture article containing chemical substance mixture necessary ensure compliance act provides individual entity violates requirement act shall considered committed prohibited act tsca sec requires administrator year act enactment annually december report specified congressional committees status measures carried pursuant formaldehyde standards composite wood products extent relevant industries achieved compliance requirements sec requires secretary housing_and_urban_development hud days administrator promulgating standards update regulation formaldehyde emission controls standards materials manufactured homes ensure regulation reflects tsca formaldehyde standards


Summary: Household Product Labeling Act of 2009 - Requires covered products to bear labels that state completely and accurately all product ingredients. Defines "covered products" as: (1) household cleaning products; (2) air fresheners and deodorizers; (3) floor and furniture polish; (4) dishwashing soap; (5) drain cleaners; (6) laundry detergent and dryer sheets; (7) epoxies; (8) paints or stains; and (9) any other similar consumer product designated by the Consumer Product Safety Commission.

household product labeling act requires covered products bear labels state completely accurately product ingredients defines covered products household cleaning products air floor furniture drain laundry detergent sheets similar consumer product designated consumer_product_safety_commission


Summary: Expedited CARD Reform for Consumers Act of 2009 - Amends the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit CARD Act of 2009) to move up the effective date of the Act from February 20, 2010, to December 1, 2009. Amends the Truth in Lending Act to move up also to December 1, 2009: (1) the deadline by which the Board of Governors of the Federal Reserve System must issue final implementing rules for required creditor reviews of changes in factors considered in past consumer annual percentage interest rate (APR) increases when determining whether to reduce the APR; and (2) the effective date of the creditor review requirement. Moves up to the same date: (1) the effective date of the requirement that any penalty fee or charge that a credit card issuer may impose, including a late payment fee, over-the-limit fee, or any other penalty fee or charge, be reasonable and proportional to the omission or violation to which it relates; and (2) the deadline for the Board to issue final implementing rules establishing standards for assessing whether any such penalty fee or charge is reasonable and proportional. Amends the Electronic Fund Transfer Act to move up to December 1, 2009, as well the effective dates of the Act's: (1) prohibition against the imposition of a dormancy fee, an inactivity charge or fee, or a service fee with respect to general use prepaid cards, certificates, and store gift cards; and (2) the deadline by which the Board must issue final implementing regulations.

expedited card reform consumers act amends credit_card_accountability_responsibility disclosure act effective date act february december amends truth lending act december deadline board_of_governors federal_reserve_system issue final implementing rules required creditor reviews changes factors considered past consumer annual percentage interest rate apr increases determining reduce apr effective date creditor review requirement moves date effective date requirement penalty fee charge credit card issuer impose including late payment fee limit fee penalty fee charge reasonable proportional omission violation relates deadline board issue final implementing rules establishing standards assessing penalty fee charge reasonable proportional amends electronic fund transfer act december effective dates act prohibition imposition dormancy fee inactivity charge fee service fee respect general use prepaid cards certificates store gift cards deadline board issue final implementing regulations


Summary: Clear Airfares Act of 2009 - Makes it an unfair or deceptive practice for: (1) a domestic or foreign air carrier or ticket agent to sell an airline ticket without simultaneously displaying all applicable ticket taxes, fees, charges, and surcharges in reasonable proximity to the price of the ticket (including on the Internet to an online purchaser); and (2) a domestic or foreign air carrier to impose a fuel surcharge that is not correlated to the price of fuel paid or the amount of fuel used by the air carrier on the specific flight.

clear makes unfair deceptive practice domestic foreign air carrier ticket agent sell airline ticket simultaneously displaying applicable ticket taxes fees charges surcharges reasonable proximity price ticket including internet online purchaser domestic foreign air carrier impose fuel surcharge price fuel paid fuel air carrier specific flight


Summary: Safe Kids' Jewelry Act - Bans as a hazardous substance and prohibits the manufacture, sale, or distribution in commerce of jewelry containing cadmium, barium, or antimony for children 12 years old or younger. Sets forth: (1) factors to determine whether jewelry is designed or intended for wear or use by such children; and (2) penalties for violations of such prohibition.

safe kids jewelry act bans hazardous substance prohibits manufacture sale distribution commerce jewelry containing barium antimony children years old younger sets forth factors determine jewelry designed intended wear use children penalties violations prohibition


Summary: P2P Cyber Protection and Informed User Act - Makes it unlawful for any commercial entity that developed a file sharing program or distributed such a program (if the distributor is owned by the developing entity) to install, make available for installation, or download a file sharing program without: (1) immediately before program installation or downloading, providing conspicuous notice that the program allows files to be searched and copied by one or more other computers and obtaining informed consent to the installation; and (2) immediately before initial activation of a file sharing function of the program, providing conspicuous notice of which files will be made available and obtaining informed consent. Exempts: (1) modifications or upgrades of a program that was originally installed in compliance with this Act, provided certain requirements are met; and (2) pre-installed software. Makes it unlawful for such an entity to prevent the reasonable efforts of an owner or authorized user to block the installation of such a program or to prevent such a user from having a reasonable way to disable or remove the program. Makes this Act non-applicable to lawfully authorized investigative, protective, and intelligence activities of U.S. intelligence agencies or of U.S. and state law enforcement agencies. Treats a violation of this Act as a violation of a rule defining an unfair or deceptive act or practice prescribed under the Federal Trade Commission Act. Prohibits construing this Act to limit or supersede any other federal or state law.

informed user act makes unlawful commercial entity developed file sharing program distributed program distributor owned developing entity install available installation download file sharing program immediately program installation downloading providing conspicuous notice program allows files copied computers obtaining informed consent installation immediately initial activation file sharing function program providing conspicuous notice files available obtaining informed consent exempts modifications upgrades program originally installed compliance act provided certain requirements met pre installed software makes unlawful entity prevent reasonable efforts owner authorized user block installation program prevent user having reasonable way disable remove program makes act non applicable lawfully authorized investigative protective intelligence activities intelligence agencies state law enforcement agencies treats violation act violation rule defining unfair deceptive act practice prescribed federal_trade_commission_act prohibits construing act limit supersede federal state law


Summary: Broadband Service Consumer Protection Act - Requires the Federal Communications Commission (FCC) to start a rulemaking to assist consumers: (1) in making realistic assumptions, before they purchase broadband service, about the actual speeds that may reasonably be expected and how those assumptions may be affected by the consumer's hardware, peak service periods, and other factors; and (2) in determining, after they purchase broadband service, whether they are getting the level of broadband service for which they are paying. Requires the FCC, in those regulations, to establish, and revise as needed, technical standards for quantifying broadband service measures of performance and other features.

federal_communications_commission fcc start rulemaking assist consumers making assumptions purchase broadband service actual reasonably expected assumptions affected consumer hardware peak service periods factors determining purchase broadband service getting level broadband service paying requires fcc regulations establish revise needed technical standards broadband service measures performance features


Summary: Consumer Recall Notification Act - Directs the Secretary of Health and Human Services (HHS), acting through the Commissioner of Food and Drugs, to improve communication between state entities, state and local health departments, and facilities in order to provide consumers with more and timely notification of Class I recalls (situations in which there is a reasonable probability that the use of, or exposure to, a violative product will cause serious adverse health consequences or death) by: (1) developing and distributing national and regional advisories concerning Class I recalls; (2) developing standardized formats for such advisories to be used by health or food safety agencies; and (3) providing frontline health professionals with information about symptoms to document and tests that should be performed to diagnose foodborne illness in relation to specific regional outbreaks that may occur as a result of an adulterated product.Requires a food facility that is subject to a Class I recall or a supplier that supplied products subject to such a recall to notify applicable retail establishments and restaurants within 24 hours of the public announcement of such recall. Directs the Commissioner to: (1) share commercial or financial information and lists of registered facilities with federal, state, local, and foreign agencies, provided they assure confidentiality of the information; (2) publish on the Food and Drug Administration (FDA) website a list of retail establishments, restaurants, and locations that sell or have sold products that are subject to a Class I recall; and (3) require on-site notification of a recalled product by posting notification in the freezer case or shelving unit in the retail establishment where the product is sold. Sets civil penalties for failure to notify retailers, restaurants, and customers.

consumer recall notification act directs secretary health_and_human_services hhs acting commissioner food_and_drugs improve communication state entities state local health departments facilities order provide consumers timely notification class recalls situations reasonable probability use exposure product cause adverse health consequences death developing distributing national regional advisories concerning class recalls developing standardized formats advisories health food safety agencies providing frontline health professionals information symptoms document tests performed diagnose foodborne illness relation specific regional outbreaks occur result adulterated product requires food facility subject class recall supplier supplied products subject recall notify applicable retail establishments restaurants hours public announcement recall directs commissioner share commercial financial information lists registered facilities federal state local foreign agencies provided assure confidentiality information publish food_and_drug_administration fda website list retail establishments restaurants locations sell sold products subject class recall require site notification recalled product posting notification case unit retail establishment product sold sets civil penalties failure notify retailers restaurants customers


Summary: Ponzi Scheme Victim's Bill of Rights Act of 2010 - Amends the Internal Revenue Code to allow: (1) a special tax deduction for qualified fraudulent investment losses held in an individual retirement account (IRA); (2) a six-year carryback of net operating losses which are qualified fraudulent investment losses; (3) withdrawals from tax-exempt retirement plans for a 10-year period without penalty to replace qualified fraudulent investment losses; (4) catch-up contributions to retirement plans to compensate for fraudulent investment losses; and (5) an extension of the limitation period for filing refund claims for overpayments of tax in connection with gifts and bequests of an interest in an investment for which there is a qualified fraudulent investment loss. Defines "qualified fraudulent investment loss" as a loss discovered in 2008 or 2009 resulting from a fraudulent arrangement in which a person receives cash or property from investors, purports to earn income for investors, reports partially or wholly fictitious income to such investors, makes payments to some investors from payments made by other investors, and appropriates some or all of the investors' cash or property.

scheme victim bill rights act amends internal revenue code allow special tax deduction qualified fraudulent investment losses held individual retirement account ira year carryback net operating losses qualified fraudulent investment losses withdrawals tax exempt retirement plans year period penalty replace qualified fraudulent investment losses catch contributions retirement plans compensate fraudulent investment losses extension limitation period filing refund claims overpayments tax connection gifts bequests interest investment qualified fraudulent investment loss defines qualified fraudulent investment loss loss discovered resulting fraudulent arrangement person receives cash property investors purports earn income investors reports partially wholly fictitious income investors makes payments investors payments investors appropriates investors cash property


Summary: Taxpayer Bill of Rights Act of 2010 - Amends the Internal Revenue Code to require the Secretary of the Treasury, in consultation with the National Taxpayer Advocate, to publish a summary statement of taxpayer rights and obligations. Authorizes the Secretary to make grants to develop, expand, or continue volunteer income tax assistance programs to assist low-income taxpayers. Increases the grant funding for low-income taxpayer clinics. Requires the Secretary to: (1) prescribe regulations for the regulation of tax return preparers; (2) require the annual registration of refund delivery product facilitators; and (3) furnish to the public the identity of any person who is an enrolled agent, attorney, or certified public accountant on file with the Internal Revenue Service (IRS), who is a tax return preparer, or who is registered as a refund delivery product facilitator. Applies the penalty for understatements of taxpayer liability by tax return preparers to tax submissions other than tax returns or claims for refunds. Requires the Secretary to make an individualized lien determination before filing a notice of lien and to consider specified factors in making such determination, including the amount due, the value of the taxpayer's equity in property, the taxpayer's compliance history, and extenuating circumstances, if any, that explain the tax delinquency. Prohibits persons licensed to practice before the Department of the Treasury from directly or indirectly offering or providing audit insurance. Authorizes the National Taxpayer Advocate to issue Taxpayer Advocate directives for granting relief to taxpayers. Expresses the sense of Congress that the IRS should take specified steps within two years to improve service to taxpayers. Authorizes the Secretary to award demonstration project grants to provide access to accounts at financial institutions for taxpayers who do not currently have such access. Requires studies to: (1) enable the IRS to receive and process information reporting documents before it processes tax returns; and (2) assess the effectiveness of collection alternatives, especially offers in compromise, on long-term tax compliance.

taxpayer bill rights act amends internal revenue code require secretary treasury consultation national_taxpayer_advocate publish summary statement taxpayer rights obligations authorizes secretary grants develop expand continue volunteer income tax assistance programs assist low income taxpayers increases grant funding low income taxpayer clinics requires secretary prescribe regulations regulation tax return preparers require annual registration refund delivery product facilitators furnish public identity person enrolled agent attorney certified public accountant file internal_revenue_service irs tax return preparer registered refund delivery product facilitator applies penalty understatements taxpayer liability tax return preparers tax submissions tax returns claims refunds requires secretary individualized lien determination filing notice lien consider specified factors making determination including value taxpayer equity property taxpayer compliance history extenuating circumstances explain tax delinquency prohibits persons licensed practice department_of_the_treasury directly indirectly offering providing audit insurance authorizes national_taxpayer_advocate issue directives granting relief taxpayers expresses sense congress irs specified steps years improve service taxpayers authorizes secretary award demonstration project grants provide access accounts financial institutions taxpayers currently access requires studies enable irs receive process information reporting documents processes tax returns assess effectiveness collection alternatives especially offers compromise long term tax compliance


Summary: Fair Access to Credit Scores Act of 2010 - Amends the Fair Credit Reporting Act to require nationwide consumer reporting agencies, including nationwide specialty consumer reporting agencies (that compile and report on medical records or payments, residential or tenant histories, check writing histories, employment histories, and incusrance claims), to provide a free annual credit score disclosure upon consumer request.

fair_access_to_credit_scores_act amends fair credit reporting act require nationwide consumer reporting agencies including nationwide specialty consumer reporting agencies compile report medical records payments residential tenant histories check writing histories employment histories claims provide free annual credit score disclosure consumer request


Summary: Restore Online Shoppers' Confidence Act - Defines "post-transaction third party seller" as a person that: (1) sells, or offers for sale, any good or service on the Internet; (2) solicits purchases on the Internet through an initial merchant after the consumer has initiated a transaction with the initial merchant; and (3) is not the initial merchant, a subsidiary or corporate affiliate of the initial merchant, or a successor to the initial merchant or subsidiary. Makes it unlawful for any post-transaction third party seller to charge or attempt to charge any consumer's credit card, debit card, bank account, or other such financial account in an Internet-based transaction, unless: (1) before obtaining the consumer's billing information, the seller has disclosed all material terms, including the fact that the such seller is not affiliated with the initial merchant, and a description and the cost of the offered goods or services; and (2) the seller has received the express informed consent from the consumer for the charge. Makes it unlawful for an initial merchant to disclose such financial account number or other billing information to any post-transaction third party Internet seller (sometimes referred to as a data-pass). Makes it unlawful for any person to charge or attempt to charge a consumer for goods or services sold in an Internet-based transaction through a negative option feature unless the person: (1) provides text that clearly and conspicuously discloses all material terms of the transaction before obtaining the consumer's billing information; (2) obtains a consumer's express informed consent before charging the consumer's financial account for products or services through such transaction; and (3) provides simple mechanisms for a consumer to stop recurring charges from being placed on the consumer's financial account. Defines "negative option feature" to mean, in an offer or agreement to sell or provide any goods or services, a provision under which the customer's silence or failure to take an affirmative action to reject goods or services or to cancel the agreement is interpreted by the seller as acceptance of the offer. Treats a violation of this Act or any regulation thereunder as an unfair or deceptive act or practice. Requires the Federal Trade Commission (FTC) to enforce this Act. Authorizes the attorney general of a state to bring an action for injunctive relief in federal court on behalf of the state's residents.

restore online confidence act defines post transaction party seller person sells offers sale good service internet solicits purchases internet initial merchant consumer initiated transaction initial merchant initial merchant subsidiary corporate affiliate initial merchant successor initial merchant subsidiary makes unlawful post transaction party seller charge attempt charge consumer credit card debit card bank account financial account internet based transaction obtaining consumer billing information seller disclosed material terms including fact seller affiliated initial merchant description cost offered goods services seller received express informed consent consumer charge makes unlawful initial merchant disclose financial account number billing information post transaction party internet seller referred data pass makes unlawful person charge attempt charge consumer goods services sold internet based transaction negative option feature person provides text clearly conspicuously discloses material terms transaction obtaining consumer billing information obtains consumer express informed consent charging consumer financial account products services transaction provides simple mechanisms consumer stop recurring charges placed consumer financial account defines negative option feature mean offer agreement sell provide goods services provision customer silence failure affirmative action reject goods services cancel agreement interpreted seller acceptance offer treats violation act regulation unfair deceptive act practice requires federal_trade_commission ftc enforce act authorizes attorney general state bring action injunctive relief federal court behalf state residents


Summary: Bans as a hazardous product any drop-side crib that is sold, offered for sale, manufactured for sale, distributed in commerce, used in public facilities such as hotels or day care centers, or imported into the United States. Defines "drop-side crib" as any infant crib that has at least one side that moves up and down but does not include a drop-gate crib or any other crib that has immovable sides with a portion of one side capable of being folded down.

bans hazardous product drop crib sold offered sale manufactured sale distributed commerce public facilities hotels day care centers imported united_states defines drop crib infant crib moves include drop gate crib crib portion capable


Summary: Amends the Credit Card Accountability Responsibility and Disclosure Act of 2009 to state that, in the case of a gift certificate, store gift card, or general-use prepaid card produced before April 1, 2010, the effective date of the certain disclosure requirements under the Electronic Funds Transfer Act pertaining to fees shall be delayed until January 31, 2011. Requires the issuer of such a certificate or card, as a condition of such delayed effective date, to: (1) comply with a specified prohibition against and certain requirements for the imposition of any dormancy, inactivity, or service fees; (2) consider any such certificate or card for which funds expire to have no expiration date with respect to the underlying funds; (3) replace, at consumer request, any such certificate or card that has funds remaining at no cost to the consumer; and (4) comply with certain consumer rights disclosure requirements.

amends credit_card_accountability_responsibility disclosure act state case gift certificate store gift card general use prepaid card produced april effective date certain disclosure requirements electronic funds transfer act pertaining fees shall delayed january requires issuer certificate card condition delayed effective date comply specified prohibition certain requirements imposition dormancy inactivity service fees consider certificate card funds expire expiration date respect underlying funds replace consumer request certificate card funds remaining cost consumer comply certain consumer rights disclosure requirements


Summary: Honest Services Restoration Act - Amends the federal criminal code to expand the definition of "scheme or artifice to defraud," for purposes of fraud offenses, to include: (1) a scheme or artifice by a public official to engage in undisclosed self-dealing; or (2) a scheme or artifice by officers and directors to engage in undisclosed private self-dealing. Defines "undisclosed self-dealing" to mean: (1) performing an official act to benefit or further a financial interest of the public official, a spouse or minor child, a general partner, a business or organization in which the public official is serving as an employee, officer, director, trustee, or general partner, or an individual, business, or organization with whom the public official is negotiating for, or has any arrangement concerning, prospective employment or financial compensation; and (2) knowingly falsifying, concealing, covering up, or failing to disclose material information regarding a financial interest as required by law. Defines "undisclosed private self-dealing" to mean: (1) performing an act which causes or is intended to cause harm to the employer of the officer or director and which is undertaken to benefit or further by an actual or intended value of $5,000 or more a financial interest of the officer or director, a spouse or minor child, a general partner, another business or organization in which the officer or director is serving as an employee, officer, director, trustee, or general partner, or an individual, business, or organization with whom the officer or director is negotiating for, or has any arrangement concerning, prospective employment or financial compensation; and (2) knowingly falsifying, concealing, covering up, or failing to disclose material information regarding a financial interest as required by law.

honest services restoration act amends federal criminal code expand definition scheme artifice defraud purposes fraud offenses include scheme artifice public official engage undisclosed self dealing scheme artifice officers directors engage undisclosed private self dealing defines undisclosed self dealing mean performing official act benefit financial interest public official spouse minor child general partner business organization public official serving employee officer director trustee general partner individual business organization public official negotiating arrangement concerning prospective employment financial compensation knowingly falsifying concealing covering failing disclose material information financial interest required law defines undisclosed private self dealing mean performing act causes intended cause harm employer officer director undertaken benefit actual intended value financial interest officer director spouse minor child general partner business organization officer director serving employee officer director trustee general partner individual business organization officer director negotiating arrangement concerning prospective employment financial compensation knowingly falsifying concealing covering failing disclose material information financial interest required law


Summary: Cell Phone Bill Shock Act of 2010 - Requires the Federal Communications Commission (FCC) to promulgate regulations requiring a commercial mobile service provider to: (1) notify a subscriber who has used in excess of a certain percentage of the monthly limit or prepaid amount of specified services (voice minutes, text messages, or data megabytes); (2) obtain a subscriber's consent before it allows the subscriber to use such services in excess of the monthly limit; and (3) ensure that any notice of possible excess usage, and the consent to use excess services, are not charged to the subscriber's account.

cell phone bill act requires federal_communications_commission fcc promulgate regulations requiring commercial mobile service provider notify subscriber excess certain percentage monthly limit prepaid specified services voice minutes text messages data obtain subscriber consent allows subscriber use services excess monthly limit ensure notice possible excess usage consent use excess services charged subscriber account