Summary:
Health Insurance Rate Review Act - Amends the Public Health Service Act to declare that federal requirements that the Secretary of Health and Human Services (HHS) review unreasonable premium increases in health care coverage shall not be construed to prohibit a state from imposing additional rate requirements on health insurance issuers that are more protective of consumers. Expands such review to include all rate increases, not only premium increases.

Directs the Secretary or the relevant state insurance commissioner (or state regulator) to take corrective actions to ensure that any excessive, unjustified, or unfairly discriminatory rates are corrected before, or as soon as possible after, implementation, including through mechanisms such as denying rates, modifying rates, or requiring rebates to consumers. Authorizes civil monetary penalties and ineligibility as a qualified health plan for failing to comply with any corrective action taken by the Secretary.

Requires the Secretary to determine whether the state insurance commissioner or regulator or the Secretary will undertake such corrective actions based on whether the state can adequately undertake such actions. Applies this Act to health plans grandfathered under the Patient Protection and Affordable Care Act.

declare federal requirements secretary health_and_human_services hhs review unreasonable premium increases health care coverage shall construed prohibit state imposing additional rate requirements health insurance issuers protective consumers expands review include rate increases premium increases directs secretary relevant state insurance commissioner state regulator corrective actions ensure excessive unjustified unfairly discriminatory rates corrected soon possible implementation including mechanisms denying rates modifying rates requiring rebates consumers authorizes civil monetary penalties ineligibility qualified health plan failing comply corrective action taken secretary requires secretary determine state insurance commissioner regulator secretary undertake corrective actions based state adequately undertake actions applies act health plans grandfathered patient_protection affordable care act


Summary:
Robo Calls Off Phones Act or Robo COP Act - Directs the Federal Trade Commission (FTC) to revise the do-not-call registry provisions of the Telemarketing Sales Rule to prohibit politically-oriented recorded message telephone calls to telephone numbers listed on that registry.

Defines a "politically-oriented recorded message telephone call" as an outbound telephone call that plays a recorded message: (1) the purpose of which is to promote, advertise, campaign, or solicit donations, for or against any political candidate or regarding any political issue; or (2) that uses any political candidate's name.

robo calls phones act federal_trade_commission ftc revise registry provisions telemarketing_sales_rule prohibit politically oriented recorded message telephone calls telephone numbers listed registry defines politically oriented recorded message telephone outbound telephone plays recorded message purpose promote advertise campaign solicit donations political candidate political issue uses political candidate


Summary:
Jobs Originated through Launching Travel Act of 2013 or JOLT Act of 2013 - Amends the Immigration and Nationality Act to direct the Secretary of State (Secretary) to establish a pilot fee-based premium processing service to expedite visa interview appointments. Authorizes the Secretary to collect and set fee amounts.

Authorizes the Secretary of Homeland Security (DHS) to admit into the United States a qualifying Canadian citizen over 50 years old and spouse for a period not to exceed 240 days if the person maintains a Canadian residence and owns a U.S. residence or has rented a U.S. accommodation for the duration of such stay.

Directs the Secretary to require overseas visa processing posts to make public the availability of visa appointments during periods of low demand to encourage visa applicants to apply when interview wait times are lowest.

Revises the visa waiver program to: (1) authorize the Secretary of Homeland Security to designate any country as a program country; (2) adjust visa refusal rate criteria, including addition of a 3% maximum overstay rate; and (3) revise probationary and termination provisions.

Directs the Secretary to require U.S. diplomatic and consular missions to: (1) conduct nonimmigrant visa application interviews expeditiously, consistent with national security requirements and in recognition of resource allocation considerations; and (2) set a goal of interviewing 90% of all nonimmigrant visa applicants, worldwide, within 10 days of application receipt.

Directs the Secretary to: (1) develop and conduct a pilot program for processing visas using secure remote videoconferencing technology, and (2) seek to coordinate enrollment and interview processes for individuals eligible for both a U.S. visa and enrollment in the Global Entry program.

jobs originated launching travel act jolt act amends immigration nationality act direct secretary state secretary establish pilot fee based premium processing service expedite visa interview appointments authorizes secretary collect set fee amounts authorizes secretary homeland_security dhs admit united_states qualifying canadian citizen years old spouse period exceed days person maintains canadian residence owns residence rented accommodation duration stay directs secretary require overseas visa processing posts public availability visa appointments periods low demand encourage visa applicants apply interview wait times lowest revises visa waiver program authorize secretary homeland_security designate country program country adjust visa refusal rate criteria including addition maximum overstay rate revise probationary termination provisions directs secretary require diplomatic consular missions conduct nonimmigrant visa application interviews expeditiously consistent national security requirements recognition resource allocation considerations set goal interviewing nonimmigrant visa applicants worldwide days application receipt directs secretary develop conduct pilot program processing visas secure remote videoconferencing technology seek coordinate enrollment interview processes individuals eligible visa enrollment program


Summary:
International Travelers Bill of Rights Act of 2013 - Requires an individual or entity that operates a website that provides access to international travel services to provide on its website, in a clear and conspicuous way, information regarding the health and safety risks of overseas vacation destinations marketed on the site, including (1) information compiled by the Department of State that includes country-specific travel warnings and alerts, and (2) information on the availability of onsite health and safety services or a disclaimer that such services may not be available and travel may pose an increased risk to health or safety.

Requires a site operator to: (1) establish a process under which an overseas vacation destination will be suspended from its website as a result of consumer complaints regarding poor medical care, unsafe or unsanitary facilities, or other health-related issues; and (2) make all such complaints publicly available on its website. Allows an operator to modify complaints at the request of the complainant and to remove offensive language and personal identification information.

Treats a violation as an unfair or deceptive act or practice under the Federal Trade Commission Act.

bill rights act requires individual entity operates website provides access international travel services provide website clear conspicuous way information health safety risks overseas vacation destinations marketed site including information compiled department_of_state includes country specific travel warnings alerts information availability onsite health safety services disclaimer services available travel pose increased risk health safety requires site operator establish process overseas vacation destination suspended website result consumer complaints poor medical care unsafe facilities health related issues complaints publicly available website allows operator modify complaints request complainant remove offensive language personal identification information treats violation unfair deceptive act practice federal_trade_commission_act


Summary:
Consumer Rental Purchase Agreement Act - Amends the Consumer Credit Protection Act to prescribe consumer protection guidelines for rental-purchase transactions, including: (1) the determination of rental-purchase cost; (2) disclosure requirements; (3) prohibitions against confessions of judgment, wage assignments, and waiver of consumer claims or defenses; (4) furnishing of statements of account; (5) point-of-rental disclosures; and (6) rental-purchase advertising disclosures.

Declares that an action for civil liability may be brought against a merchant's assignee only if the violation is apparent on the face of a rental-purchase agreement to which it relates, including, but not limited to, a disclosure that can be determined to be incomplete or inaccurate from the face of the agreement.

Authorizes the Board of Governors of the Federal Reserve System to promulgate implementing regulations.

Grants enforcement powers to the Federal Trade Commission (FTC) and to state attorneys general.

Subjects to criminal penalties any willful and knowing violation of the information disclosure requirements of this Act.

consumer rental purchase agreement act amends consumer credit protection act prescribe consumer protection guidelines rental purchase transactions including determination rental purchase cost disclosure requirements prohibitions confessions judgment wage assignments waiver consumer claims defenses furnishing statements account point rental disclosures rental purchase advertising disclosures declares action civil liability brought merchant assignee violation apparent face rental purchase agreement relates including limited disclosure determined incomplete inaccurate face agreement federal_reserve_system promulgate implementing regulations grants enforcement powers federal_trade_commission ftc state attorneys general subjects criminal penalties willful knowing violation information disclosure requirements act


Summary:
Seniors Fraud Prevention Act of 2013 - Directs the Federal Trade Commission (FTC) to establish an office within the Bureau of Consumer Protection to advise the FTC on the prevention of fraud targeting seniors and to assist the FTC in monitoring the market for mail, television, Internet, and telemarketing fraud including recorded message telephone calls (robocalls) targeting seniors.

Requires the FTC, through such office, to: (1) disseminate to seniors and their families and caregivers information on the most common fraud schemes, including methods of reporting complaints either to the FTC's national toll-free telephone number or to the FTC's Consumer Sentinel Network, where complaints become immediately available to the Federal Bureau of Investigation (FBI), state attorneys general, and other appropriate law enforcement agencies; (2) provide, in response to a specific request about a particular entity or individual, publicly available information regarding the FTC's enforcement action; and (3) maintain a website as a resource for information on fraud targeting seniors.

Directs the FTC to establish procedures through such office to: (1) log and acknowledge the receipt of complaints by individuals who believe they have been a victim of such fraud in the Consumer Sentinel Network, and to make such complaints immediately available to federal, state, and local law enforcement authorities; and (2) provide individuals with information on such fraud as well as the most common schemes.

seniors fraud prevention act directs federal_trade_commission ftc establish office advise ftc prevention fraud targeting seniors assist ftc monitoring market mail television internet telemarketing fraud including recorded message telephone calls robocalls targeting seniors requires ftc office disseminate seniors families caregivers information common fraud schemes including methods reporting complaints ftc national toll free telephone number ftc complaints immediately available federal_bureau_of_investigation fbi state attorneys general appropriate law enforcement agencies provide response specific request particular entity individual publicly available information ftc enforcement action maintain website resource information fraud targeting seniors directs ftc establish procedures office log acknowledge receipt complaints individuals believe victim fraud complaints immediately available federal state local law enforcement authorities provide individuals information fraud common schemes


Summary:
We Are Watching You Act of 2013 - Prohibits an operator of a video service from collecting visual or auditory information from the vicinity of the device used to display the video programming stream to the consumer unless the operator: (1) displays, as part of the stream, a message that reads, "We are watching you"; and (2) describes to the consumer the types of information that will be collected and how such information will be used.

Requires the description of information collection to be provided: (1) as part of the terms and conditions to which the consumer must agree before using the video service; and (2) in the case of a video service accessed through a device sold or provided to the consumer by the operator, as part of the written instructions and other materials accompanying such device.

Directs operators to offer an alternative video service that does not involve the collection of such information but is otherwise identical. Requires any devices provided in connection with such alternative service to be incapable of collecting such information.

Allows operators to disclose such information only with the express consent of the consumer or as required by a court order in connection with a law enforcement investigation.

Requires violations of this Act to be treated as unfair or deceptive acts or practices under the Federal Trade Commission Act.

act prohibits operator video service collecting visual auditory information vicinity device display video programming stream consumer operator displays stream message describes consumer types information collected information requires description information collection provided terms conditions consumer agree video service case video service accessed device sold provided consumer operator written instructions materials accompanying device directs operators offer alternative video service involve collection information identical requires devices provided connection alternative service incapable collecting information allows operators disclose information express consent consumer required court order connection law enforcement investigation requires violations act treated unfair deceptive acts practices federal_trade_commission_act


Summary:
(This measure has not been amended since it was reported to the House on September 25, 2013. The summary of that version is repeated here.)

Retail Investor Protection Act - Prohibits the Secretary of Labor from prescribing any regulation under the Employee Retirement Income Security Act of 1974 (ERISA) defining the circumstances under which an individual is considered a fiduciary until 60 days after the Securities and Exchange Commission (SEC) issues a final rule governing standards of conduct for brokers and dealers under specified law.

(Sec. 3) Amends the Securities Exchange Act of 1934 to prohibit the SEC from promulgating a rule establishing an investment advisor standard of conduct as the standard of conduct of brokers and dealers before it has ascertained: (1) if retail customers are systematically harmed or disadvantaged owing to the operation of brokers or dealers under different standards of conduct than those that apply to investment advisors under the Investment Advisers Act of 1940, and (2) whether adoption of a uniform fiduciary standard of care for brokers or dealers and investment advisors would adversely impact retail investor access or availability to personalized investment advice and recommendations.

Requires the SEC: (1) to publish in the Federal Register formal findings that such rules would reduce retail customer confusion regarding standards of conduct applicable to brokers, dealers, and investment advisors; and (2) in proposing such rules, to consider the differences in the registration, supervision, and examination requirements applicable to brokers, dealers, and investment advisors.

measure amended reported house september summary version repeated retail investor protection act prohibits secretary labor prescribing regulation employee retirement income security act erisa defining circumstances individual considered fiduciary days securities_and_exchange_commission sec issues final rule governing standards conduct brokers dealers specified law sec amends securities exchange act prohibit sec promulgating rule establishing investment advisor standard conduct standard conduct brokers dealers ascertained retail customers systematically harmed disadvantaged owing operation brokers dealers different standards conduct apply investment advisors investment advisers act adoption uniform fiduciary standard care brokers dealers investment advisors adversely impact retail investor access availability personalized investment advice recommendations requires sec publish federal_register formal findings rules reduce retail customer confusion standards conduct applicable brokers dealers investment advisors proposing rules consider differences registration supervision examination requirements applicable brokers dealers investment advisors


Summary:
Consumer Financial Protection Commission Act of 2013 - Amends the Consumer Financial Protection Act of 2010 (title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act), to replace the position of Director of the Bureau of Consumer Financial Protection with a five-member Commission whose members are appointed by the President, by and with the advice and consent of the Senate.

Prohibits the Chair of the Commission from making requests for estimates related to appropriations without prior Commission approval.

act amends consumer financial protection act title dodd frank wall street reform consumer protection act replace position director bureau_of_consumer_financial_protection member commission members appointed president advice consent senate prohibits chair commission making requests estimates related appropriations prior commission approval


Summary:
Black Box Privacy Protection Act - Amends the Automobile Information Disclosure Act to require manufacturers of new automobiles to disclose on the information label affixed to the window of the automobile: (1) the presence and location of an event data recorder (commonly referred to as a "black box"), (2) the type of information recorded and how such information is recorded, and (3) that the recording may be used in a law enforcement proceeding.

Sets forth similar requirements for motorcycle manufacturers.

Defines "event data recorder" as any device or means of technology installed in an automobile that records information such as automobile or motorcycle speed, seatbelt use, application of brakes, or other information pertinent to the operation of the automobile or motorcycle.

Prohibits the manufacture, sale, offering for sale, or import into the United States of an automobile manufactured after 2015 (bearing a model year of 2016 or later) that is equipped with an event data recorder, unless the consumer can control the recording of information.

Requires the event data recorder in an automobile or motorcycle, and any data recorded, to be considered the property of the owner of the automobile or motorcycle. Makes the retrieval or downloading of recorded data by any other person unlawful, except: (1) with the owner's consent, (2) in response to a court order, or (3) by a dealer or automotive technician to service the vehicle.

Requires certain violations to be treated as unfair or deceptive acts or practices under the Federal Trade Commission Act.

disclosure act require manufacturers new automobiles disclose information label affixed window automobile presence location event data recorder commonly referred black box type information recorded information recorded recording law enforcement proceeding sets forth similar requirements manufacturers defines event data recorder device means technology installed automobile records information automobile speed use application brakes information pertinent operation automobile prohibits manufacture sale offering sale import united_states automobile manufactured bearing model year later equipped event data recorder consumer control recording information requires event data recorder automobile data recorded considered property owner automobile makes retrieval downloading recorded data person unlawful owner consent response court order dealer automotive technician service vehicle requires certain violations treated unfair deceptive acts practices federal_trade_commission_act


Summary:
Responsible Consumer Financial Protection Regulations Act of 2013 - Amends the Consumer Financial Protection Act of 2010, title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, to replace the position of Director of the Consumer Financial Protection Bureau (CFPB) with a five-member Commission composed of the Vice Chairman for Supervision of the Federal Reserve System and four additional members appointed by the President, by and with the advice and consent of the Senate, each to serve for a term of five years.

Prohibits the Chair of the Commission from making requests for estimates related to appropriations without the Commission's prior approval.

Makes technical and conforming amendments to related statutes.

responsible consumer financial protection regulations act amends consumer financial protection act title dodd frank wall street reform consumer protection act replace position director consumer_financial_protection_bureau cfpb member commission composed vice chairman additional members appointed president advice consent senate serve term years prohibits chair commission making requests estimates related appropriations commission prior approval makes technical conforming amendments related statutes


Summary: Amends the Consumer Product Safety Act to remove from the definition of "consumer product" the exclusion for any article sold by a manufacturer, producer, or importer that would be subject to a firearms sales tax under the Internal Revenue Code for pistols, revolvers, and other firearms, including shells and cartridges, thereby permitting the Consumer Product Safety Commission (CPSC) to issue safety standards for such articles.

amends consumer product safety act remove definition consumer product exclusion article sold manufacturer producer importer subject firearms sales tax internal revenue code pistols firearms including shells permitting consumer_product_safety_commission cpsc issue safety standards articles


Summary: End Discriminatory State Taxes for Automobile Renters Act of 2013 - Prohibits states or local governments from levying or collecting a discriminatory tax (generally, a tax or tax assessment that is applicable to the rental of motor vehicles or motor vehicle businesses or property, but not to the majority of other rentals of tangible personal property within a state or locality) on the rental of motor vehicles, motor vehicle rental businesses, or motor vehicle rental property.

end prohibits states local governments levying collecting discriminatory tax generally tax tax assessment applicable rental motor vehicles motor vehicle businesses property majority rentals tangible personal property state locality rental motor vehicles motor vehicle rental businesses motor vehicle rental property


Summary:
(This measure has not been amended since it was introduced. The summary has been expanded because action occurred on the measure.)

Consumer Right to Financial Privacy Act of 2013 - (Sec. 1) Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act to revise the prohibition against the Consumer Financial Protection Bureau (CFPB)'s obtaining, from a covered person or service provider, any personally identifiable financial information about a consumer.

(Sec. 2) Prohibits the CFPB, in addition, from requesting, accessing, collecting, using, retaining, or disclosing nonpublic personal information about a consumer unless: (1) the CFPB clearly and conspicuously discloses to the consumer, in writing or in an electronic form, what information will be requested, obtained, accessed, collected, used, retained, or disclosed; and (2) the consumer informs the CFPB, before such information is requested, obtained, accessed, collected, used, retained, or disclosed, that such information may be requested, obtained, accessed, collected, used, retained, or disclosed.

 Subjects to the same restrictions and conditions any person directed or engaged by the CFPB to collect such information on its behalf.

(Sec. 3) Amends the Right to Financial Privacy Act of 1978 to repeal the exemption from its application for CFPB examination or disclosure of financial records or information in the exercise of CFPB authority with respect to a financial institution (thus applying the Act to CFPB examinations and disclosures).

measure amended introduced summary expanded action occurred measure consumer right financial privacy act sec amends dodd frank wall street reform consumer protection act revise prohibition consumer_financial_protection_bureau cfpb obtaining covered person service provider personally identifiable financial information consumer sec prohibits cfpb addition requesting accessing collecting retaining disclosing nonpublic personal information consumer cfpb clearly conspicuously discloses consumer writing electronic form information requested obtained accessed collected retained disclosed consumer informs cfpb information requested obtained accessed collected retained disclosed information requested obtained accessed collected retained disclosed subjects restrictions conditions person directed engaged cfpb collect information behalf sec amends right financial privacy act repeal exemption application cfpb examination disclosure financial records information exercise cfpb authority respect financial institution applying act cfpb examinations disclosures


Summary:
Made in America Act of 2013 - Directs the Secretary of Commerce to establish: (1) a voluntary America Star Program under which manufacturers may have products certified as meeting the standards of labels that indicate to consumers the extent to which the products are manufactured in the United States; and (2) such America Star labels, including the content of the labels and the standards that a product shall meet in order to bear a particular label. Requires the labels to be consistent with public perceptions of the meaning of descriptions of the extent to which a product is manufactured in the United States.

Requires the Secretary, after receiving an application, to certify a product as meeting a label's standards, notify the manufacturer, conduct monitoring and compliance review to ensure that a product continues to meet such standards, notify a manufacturer of any corrective action needed, and withdraw certification of a product if such action is not taken. Provides for an expedited appeals procedure for actions that adversely affect a person.

Prohibits a person from placing an America Star label on a product, using such label in marketing such product, or in any other way representing that such product meets the standards of such label unless a certification by the Secretary is in effect. Bars the Secretary from certifying the product for a five-year period after determining that a manufacturer has violated the purposes of the Program.

america act directs secretary commerce establish voluntary manufacturers products certified meeting standards labels indicate consumers extent products manufactured united_states labels including content labels standards product shall meet order bear particular label requires labels consistent public meaning descriptions extent product manufactured united_states requires secretary receiving application certify product meeting label standards notify manufacturer conduct monitoring compliance review ensure product continues meet standards notify manufacturer corrective action needed withdraw certification product action taken provides expedited appeals procedure actions adversely affect person prohibits person placing label product label marketing product way representing product meets standards label certification secretary effect bars secretary certifying product year period determining manufacturer violated purposes program


Summary:
Amends the Inspector General Act of 1978 and the Dodd-Frank Wall Street Reform and Consumer Protection Act to create an Inspector General for the Consumer Financial Protection Bureau (CFPB).

Requires the President, within 60 days after enactment of this Act, to appoint a CFPB Inspector General.

amends inspector general act dodd frank wall street reform consumer protection act create inspector general consumer_financial_protection_bureau cfpb requires president days enactment act appoint


Summary:
Decrease Unsafe Toxins Act - Amends the Consumer Product Safety Improvement Act of 2008 to ban as a hazardous substance under the Federal Hazardous Substances Act any children's cushioned product manufactured on or after the date that is one year after enactment of this Act that contains more than 1,000 parts per million flame retardant chemical by weight in the filling material used to make such product.

Defines: (1) "children's cushioned product" as a children's product under the Consumer Product Safety Act containing resilient filling materials, such as high chairs, strollers, infant walkers, booster seats, car seats, changing pads, floor play mats, highchair pads, highchairs, infant swings, bassinets, infant seats, infant bouncers, nursing pads, playards, playpen side pads, infant mattresses, infant mattress pads, and portable hook-on chairs; and (2) "flame retardant chemical" as an organohalogen or organophosphorous compound.

decrease unsafe toxins act amends consumer product safety improvement act ban hazardous substance federal_hazardous_substances_act children product manufactured date year enactment act contains parts million flame retardant chemical weight filling material product defines children product children product consumer product safety act containing resilient filling materials high chairs infant booster seats car seats changing pads floor play mats pads infant infant seats infant nursing pads pads infant infant pads portable chairs flame retardant chemical compound


Summary:
Amends the Consumer Financial Protection Act of 2010 to direct the Consumer Financial Protection Bureau (CFPB) to: (1) disclose to a consumer all information (and their sources) held by the CFPB with respect to that consumer, including any person or other federal department or agency to which the CFPB disclosed the information; and (2) truncate in the disclosure the first five digits of the consumer's Social Security number (or similar identification number), if the consumer so requests and the CFPB has received appropriate proof of the requester's identity.

Permits consumers to request such a disclosure: (1) online, with a link prominently displayed on the CFPB website; (2) via U.S. mail; and (3) via a toll-free telephone number.

amends consumer financial protection act direct consumer_financial_protection_bureau cfpb disclose consumer information sources held cfpb respect consumer including person federal department agency cfpb disclosed information disclosure consumer social_security number similar identification number consumer requests cfpb received appropriate proof requester identity permits consumers request disclosure online link prominently displayed cfpb website mail toll free telephone number


Summary:
Bureau of Consumer Financial Protection Accountability Act of 2013 - Amends the Consumer Financial Protection Act of 2010 to subject the Consumer Financial Protection Bureau (CFPB) to regular appropriations.

Repeals the requirement of an annual transfer to the CFPB of funds from the Board of Governors of the Federal Reserve System. Subjects the CFPB to the regular authorization, budget, and appropriations process of the Department of the Treasury.

Repeals establishment of the CFPB Fund.

Replaces the authorization of appropriations for FY2010-FY2014 with an authorization for FY2015 only.

amends consumer financial protection act subject consumer_financial_protection_bureau cfpb regular appropriations repeals requirement annual transfer cfpb funds board_of_governors federal_reserve_system subjects cfpb regular authorization budget appropriations process department_of_the_treasury repeals establishment replaces authorization appropriations fy2010 fy2014 authorization fy2015


Summary: Bureau of Consumer Financial Protection Judicial Fairness Act - Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act to repeal the requirement that the deference that a court affords to the Consumer Financial Protection Bureau (CFPB) regarding the meaning or interpretation of any federal consumer financial law be applied as if it were the only agency authorized to apply, enforce, interpret, or administer federal consumer financial law.

fairness act amends dodd frank wall street reform consumer protection act repeal requirement deference court affords consumer_financial_protection_bureau cfpb meaning interpretation federal consumer financial law applied agency authorized apply enforce interpret administer federal consumer financial law


Summary:
Annuity Safety and Security Under Reasonable Enforcement Act of 2013 or the ASSURE Act of 2013 - Amends the Truth in Lending Act to direct the Bureau of Consumer Financial Protection (CFPB) to issue regulations requiring any payment to a recipient of a federal or military pension (a benefit recipient) that diminishes the benefit recipient's ability to control payments from such pension to be treated as an extension of credit.

Requires financial institutions to include the terms of such credit in consumer information disclosures.

Prohibits the annual percentage rate of interest on such arrangements from exceeding the federal funds rate plus 6% or an equivalent aggregate amount of cash and property.

Specifies conditions under which payment of consideration in exchange for the retired pay of enlisted military members is prohibited from assignment under veterans' benefits laws.

Prohibits individuals from making allotments or assignments from annuities under the Civil Service Retirement System (CSRS) or the Federal Employees' Retirement System (FERS), including any agreement under which another person acquires for consideration the right to receive payment from such annuities as well as any arrangement for collateral for security for such an agreement. Exempts union dues or payments to employee organizations from such prohibitions.

Authorizes benefit recipients, individuals entitled to military retired pay, and annuity recipients to bring a private legal action in federal or state court against an assignee engaging in prohibited assignments.

Amends the Consumer Financial Protection Act of 2010 to direct the CFPB to issue regulations requiring persons offering federal or military pension-related products to provide additional disclosures when advertising or selling such products to allow consumers to understand how their pension relates to the product.

annuity safety security reasonable enforcement act assure act amends truth lending act direct bureau_of_consumer_financial_protection cfpb issue regulations requiring payment recipient federal military pension benefit recipient diminishes benefit recipient ability control payments pension treated extension credit requires financial institutions include terms credit consumer information disclosures prohibits annual percentage rate interest arrangements exceeding federal funds rate plus equivalent aggregate cash property specifies conditions payment consideration exchange retired pay enlisted military members prohibited assignment veterans benefits laws prohibits individuals making allotments assignments annuities civil_service_retirement_system csrs fers including agreement person acquires consideration right receive payment annuities arrangement collateral security agreement exempts union dues payments employee organizations prohibitions authorizes benefit recipients individuals entitled military retired pay annuity recipients bring private legal action federal state court assignee engaging prohibited assignments amends consumer financial protection act direct cfpb issue regulations requiring persons offering federal military pension related products provide additional disclosures advertising selling products allow consumers understand pension relates product


Summary:
CFPB Slush Fund Elimination Act of 2013 - Amends the Consumer Financial Protection Act of 2010 to repeal the Consumer Financial Civil Penalty Fund, into which are deposited any civil penalties paid in judicial or administrative actions under federal consumer financial laws.

 Requires the Board of Governors of the Federal Reserve System to deposit all such civil penalties, and all amounts currently in the Civil Penalty Fund, into the Treasury's general fund.

amends consumer financial protection act repeal deposited civil penalties paid judicial administrative actions federal consumer financial laws requires board_of_governors federal_reserve_system deposit civil penalties amounts currently treasury general fund


Summary:
Bureau of Consumer Financial Protection Accountability Act and Transparency Act of 2013 - (Sec. 2) Amends the Consumer Financial Protection Act of 2010 to: (1) rename the Consumer Financial Protection Bureau (CFPB) the Financial Product Safety Commission (FPSC) , (2) remove it from the Federal Reserve System, and (3) repeal the authority of the FPSC Director to establish regional offices in cities in which either Federal Reserve Banks or their branches are located.

Repeals the requirement that not fewer than six members of the Consumer Advisory Board be appointed to it by the FPSC Director on a rotating basis upon the recommendation of the regional Federal Reserve Bank Presidents. (Sec. 3) Repeals the mandatory annual transfer of funds to the CFPB from the Board of Governors of the Federal Reserve System. Subjects the FPSC to the regular authorization, budget, and appropriations process of the Department of the Treasury. Eliminates the Consumer Financial Protection Fund. Authorizes appropriations for each of FY2014 and FY2015. (Sec. 4) Deems any reference in any record of the United States to the CFPB to be a reference to the FPSC.

transparency_act sec amends consumer financial protection act rename consumer_financial_protection_bureau cfpb financial product safety commission remove federal_reserve_system repeal authority director establish regional offices cities federal_reserve_banks branches located repeals requirement fewer members appointed director rotating basis recommendation regional sec repeals mandatory annual transfer funds cfpb board_of_governors federal_reserve_system subjects regular authorization budget appropriations process department_of_the_treasury eliminates authorizes appropriations fy2014 fy2015 sec deems reference record united_states cfpb reference


Summary:
Amends the Energy Policy and Conservation Act to exempt decorative hearth products from consideration as direct heating equipment subject to the Act's energy efficiency standards.

Defines a "decorative hearth product" as a vented gas fireplace, stove, gas fireplace insert, or gas log set that: (1) is not certified to the ANSI Z21.88 standard and, in the case of vented gas fireplaces, fireplace inserts, or stoves, is certified to the ANSI Z21.50 standard; (2) is sold without a thermostat and with a warranty provision expressly voiding manufacturer warranties in the event the product is used with a thermostat; and (3) contains no energy efficiency representations other than P.4 efficiencies required for products sold in Canada.

Adds the product category "vented hearth heater," defined as a vented gas fireplace, fireplace insert, or stove: (1) for which any AFUE (annual fuel utilization efficiency) representation, or representation with respect to P.4 efficiencies required for products sold in Canada, is made in any manufacturer advertising or literature; (2) certified to the ANSI Z21.88 standard or identified in any manufacturer literature or advertising as a "heater-rated" product; or (3) equipped by the manufacturer with a thermostatic control.

Deems a vented gas fireplace, fireplace insert, stove, or gas log set that is not a decorative hearth product to be direct heating equipment for purposes of the Act.

amends energy_policy_and_conservation_act exempt decorative hearth products consideration direct heating equipment subject act energy efficiency standards defines decorative hearth product vented gas stove gas insert gas log set certified ansi standard case vented gas stoves certified ansi standard sold warranty provision expressly manufacturer warranties event product contains energy efficiency representations efficiencies required products sold canada adds product category vented hearth heater defined vented gas insert stove annual fuel utilization efficiency representation representation respect efficiencies required products sold canada manufacturer advertising literature certified ansi standard identified manufacturer literature advertising heater rated product equipped manufacturer control deems vented gas insert stove gas log set decorative hearth product direct heating equipment purposes act


Summary:
Bureau of Consumer Financial Protection-Inspector General Reform Act of 2013 or CFPB-IG Act of 2013 - Amends the Inspector General Act of 1978 to repeal the authority of the Chairman of the Board of Governors of the Federal Reserve System (Board) to appoint the Inspector General of the Consumer Financial Protection Bureau (CFPB).

 Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act to create an Inspector General for the CFPB.

Requires the President, within 60 days after enactment of this Act, to appoint a CFPB Inspector General.

general reform_act amends inspector general act repeal authority chairman board_of_governors federal_reserve_system board appoint inspector general consumer_financial_protection_bureau cfpb amends dodd frank wall street reform consumer protection act create inspector general cfpb requires president days enactment act appoint


Summary:
(This measure has not been amended since it was introduced. The summary of that version is repeated here.)

Transparent Airfares Act of 2014 - Declares that it shall not be an unfair or deceptive practice for an air carrier or other covered entity to state the base airfare in an advertisement or solicitation for passenger air transportation if it clearly and separately discloses: (1) the government-imposed taxes and fees for the air transportation, and (2) its total cost.

Defines "base airfare" to mean the cost of passenger air transportation, excluding government-imposed taxes and fees.

Defines "covered entity" as an air carrier, including an indirect air carrier, foreign carrier, ticket agent, or other person offering to sell tickets for passenger air transportation or a tour or tour component that must be purchased with air transportation.

measure amended introduced summary version repeated transparent act declares shall unfair deceptive practice air carrier covered entity state base airfare advertisement solicitation passenger air transportation clearly separately discloses government imposed taxes fees air transportation total cost defines base airfare mean cost passenger air transportation excluding government imposed taxes fees defines covered entity air carrier including indirect air carrier foreign carrier ticket agent person offering sell tickets passenger air transportation tour tour component purchased air transportation


Summary:
(This measure has not been amended since it was reported to the House on July 24, 2014. The summary of that version is repeated here.)

Sunscreen Innovation Act - (Sec. 2) Amends the Federal Food, Drug, and Cosmetic Act to establish a process for the review and approval of over-the-counter (OTC) sunscreen active ingredients.

Allows any person to request that the Secretary of Health and Human Services (HHS) determine whether an OTC sunscreen active ingredient or combination of ingredients is safe and effective.

Requires the Secretary to review any request regarding a sunscreen active ingredient or combination of ingredients that has been in use and that is not included in the stayed sunscreen monograph published by the Food and Drug Administration (FDA).

Directs the Secretary to invite the sponsor of the request to provide data and other information on the safety and efficacy of the sunscreen active ingredient or combination of ingredients. Requires the Secretary to determine whether the provided information is sufficient to conduct a review, and if so, file the request, and if not, explain to the sponsor why the provided information is insufficient.

Requires the Director of the Center for Drug Evaluation and Research to complete a review of a filed request and determine the safety and efficacy of the sunscreen active ingredient or combination of ingredients within 300 days for new requests or a shorter timeframe for requests pending before enactment of this Act. Directs the Commissioner of Food and Drugs to make the determination if the Director does not make a determination in the allowed timeframe.

Allows sunscreen active ingredients that are determined to be safe and effective to be used in OTC sunscreen products.

Directs the Comptroller General (GAO) to report on the progress of the Secretary in establishing this process and the role of the Commissioner of Food and Drugs in issuing determinations on pending requests. Requires the Secretary to report on the decisions made about the safety and efficacy of sunscreen active ingredients, the amount of time between submission and decision for each request, the cost of the review process, and recommended improvements to the review process.

measure amended reported house july summary version repeated sunscreen innovation act sec amends cosmetic act establish process review approval counter sunscreen active ingredients allows person request secretary health_and_human_services hhs determine sunscreen active ingredient combination ingredients safe effective requires secretary review request sunscreen active ingredient combination ingredients use included sunscreen published food_and_drug_administration fda directs secretary invite sponsor request provide data information safety efficacy sunscreen active ingredient combination ingredients requires secretary determine provided information sufficient conduct review file request explain sponsor provided information insufficient requires director center_for_drug_evaluation_and_research complete review filed request determine safety efficacy sunscreen active ingredient combination ingredients days new requests shorter timeframe requests pending enactment act directs commissioner food drugs determination director determination allowed timeframe allows sunscreen active ingredients determined safe effective sunscreen products directs comptroller general gao report progress secretary establishing process role commissioner food drugs issuing determinations pending requests requires secretary report decisions safety efficacy sunscreen active ingredients time submission decision request cost review process recommended improvements review process


Summary: Bureau Advisory Commission Transparency Act - Amends the Consumer Financial Protection Act of 2010 to make the Federal Advisory Committee Act applicable to each advisory committee of the Consumer Financial Protection Bureau (CFPB).

transparency act amends consumer financial protection act federal_advisory_committee act applicable advisory committee consumer_financial_protection_bureau cfpb


Summary:
Truth in Advertising Act of 2014 - Directs the Federal Trade Commission (FTC) to submit a report to Congress that contains: (1) a strategy to reduce the use, in advertising and other media for the promotion of commercial products, of images that have been altered to materially change the physical characteristics of the faces and bodies of the individuals depicted; and (2) recommendations for a risk-based regulatory framework with respect to such use.

Requires the FTC to solicit input from external stakeholders and experts including, to the extent practicable, from: (1) stakeholders that are geographically and culturally diverse; and (2) experts from physical and mental health, business, and consumer advocacy communities.

truth advertising act directs federal_trade_commission ftc submit report congress contains strategy reduce use advertising media promotion commercial products images altered materially change physical characteristics faces bodies individuals depicted recommendations risk based regulatory framework respect use requires ftc solicit input external stakeholders experts including extent practicable stakeholders geographically culturally diverse experts physical mental health business consumer advocacy communities


Summary:
Bureau of Consumer Financial Protection Small Business Advisory Board Act - Amends the Consumer Financial Protection Act of 2010 to direct the Director of the Consumer Financial Protection Bureau (CFPB) to establish a Small Business Advisory Board to: (1) advise and consult with the Bureau in the exercise of the Bureau's functions under the federal consumer financial laws applicable to eligible financial products or services; and (2) provide information on emerging practices of small businesses that provide eligible financial products or services, including regional trends, concerns, and other relevant information.

Requires the Director to appoint at least 12 members to such Board.

act amends consumer financial protection act direct director consumer_financial_protection_bureau cfpb establish advise consult bureau exercise bureau functions federal consumer financial laws applicable eligible financial products services provide information emerging practices small businesses provide eligible financial products services including regional trends concerns relevant information requires director appoint members board


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:
Tax Refund Protection Act of 2014 - Amends the Consumer Financial Protection Act of 2010 to require the Consumer Financial Protection Bureau (CFPB) to: (1) regulate refund anticipation payment arrangements, (2) establish a licensing or certification program governing tax return preparers subject to this Act, (3) regulate such preparers, and (4) require applicants to demonstrate qualifications and competency to perform tax return preparation sevices.

Authorizes the CFPB to impose a licensing or certification fee.

Directs the CFPB to require such preparers to make prescribed disclosures to a consumer, including: (1) a fee schedule for preparing or filing a federal income tax return, or executing a refund anticipation payment arrangement; and (2) the consumer's responsibility to pay any fees and interest associated with a refund anticipation payment arrangement even if the consumer does not receive a tax refund or the refund's amount is less than anticipated under the arrangement.

Empowers the CFPB to take enforcement action against a preparer for specified violations.

Amends the Internal Revenue Code to permit a federal income tax refund, on taxpayer request, to be split between the taxpayer and the preparer. Prohibits treatment of such a split as disreputable conduct merely because the taxpayer requested the split.

tax refund protection act amends consumer financial protection act require consumer_financial_protection_bureau cfpb regulate refund anticipation payment arrangements establish licensing certification program governing tax return preparers subject act regulate preparers require applicants demonstrate qualifications competency perform tax return preparation authorizes cfpb impose licensing certification fee directs cfpb require preparers prescribed disclosures consumer including fee schedule preparing filing federal income tax return executing refund anticipation payment arrangement consumer responsibility pay fees interest associated refund anticipation payment arrangement consumer receive tax refund refund anticipated arrangement empowers cfpb enforcement action preparer specified violations amends internal revenue code permit federal income tax refund taxpayer request split taxpayer preparer prohibits treatment split conduct merely taxpayer requested split


Summary:
Cleaning Product Right to Know Act of 2014 - Requires a cleaning product manufactured or offered for sale, distributed in commerce, or imported into the United States to bear a label listing each of its ingredients: (1) by the name assigned by the International Nomenclature of Cosmetic Ingredients or, if there is no such name, by the name assigned by the International Union of Pure and Applied Chemistry or, if there is none, by its common chemical name; and (2) in descending order of predominance by weight, except that ingredients that constitute less than 1% of the product can be listed at the end in any order.

Allows the Consumer Product Safety Commission (CPSC) to exempt from such labeling requirement: (1) an ingredient that is present in a product at such low levels that detection is not technologically feasible; or (2) for five-year periods, an ingredient that a manufacturer demonstrates to be a trade secret. Sets forth required disclosures for, and limitations to, a manufacturer's claim that an ingredient is a trade secret.

Requires a product that is not in conformity with the labeling requirements and not exempt to be treated as a misbranded hazardous substance under the Federal Hazardous Substances Act (FHSA). Increases penalties for violations of FHSA.

Authorizes any person to petition the CPSC to investigate claims that a product does not satisfy the labeling requirements.

Requires: (1) each cleaning product manufacturer to make available on its website a complete list of ingredients for each product, including any potential adverse health effect of each ingredient; and (2) CPSC to provide on its website aggregated information that allows users to compare products made by different manufacturers.

cleaning product right know act requires cleaning product manufactured offered sale distributed commerce imported united_states bear label listing ingredients assigned assigned international_union_of_pure_and_applied_chemistry common chemical descending order weight ingredients constitute product listed end order allows consumer product safety commission cpsc exempt labeling requirement ingredient present product low levels detection technologically feasible year periods ingredient manufacturer demonstrates trade secret sets forth required disclosures limitations manufacturer claim ingredient trade secret requires product conformity labeling requirements exempt treated misbranded hazardous substance federal_hazardous_substances_act increases penalties violations authorizes person petition cpsc investigate claims product satisfy labeling requirements requires cleaning product manufacturer available website complete list ingredients product including potential adverse health effect ingredient cpsc provide website aggregated information allows users compare products different manufacturers


Summary: Bureau Research Transparency Act - Amends the Consumer Financial Protection Act of 2010 to require the Consumer Financial Protection Bureau (CFPB), any time it issues a research paper available to the public, to accompany it with all studies, data, and other analyses on which it was based.

bureau research transparency act amends consumer financial protection act require consumer_financial_protection_bureau cfpb time issues research paper available public accompany studies data analyses based


Summary:
CFPB Data Collection Security Act - Amends the Consumer Financial Protection Act of 2010 to direct the Consumer Financial Protection Bureau (CFPB) to: (1) establish an opt-out list of consumers who have notified the CFPB that they do not wish to allow it to collect personally identifiable information about them, and (2) give consumers a method of adding and removing their names from the opt-out list via telephone or the CFPB website.

Prohibits the CFPB from collecting: (1) personally identifiable information about a consumer listed on the opt-out list (except in the case of consumer complaints), or (2) any data or performing any market monitoring unless it has a Senate-confirmed Director.

Prescribes time limitations for the holding of data by the CFPB.

Directs the CFPB, if it experiences a data breach that exposes personally identifiable information about a consumer, to give that consumer one year of free credit monitoring. Requires the CFPB to notify consumers publicly of such a breach on the front page of its website.

 Prohibits CFPB employees from accessing personally identifiable information collected by the CFPB unless they hold a "confidential" security clearance.

security act amends consumer financial protection act direct consumer_financial_protection_bureau cfpb establish opt list consumers notified cfpb wish allow collect personally identifiable information consumers method adding removing names opt list telephone cfpb website prohibits cfpb collecting personally identifiable information consumer listed opt list case consumer complaints data performing market monitoring senate confirmed director prescribes time limitations holding data cfpb directs cfpb experiences data breach exposes personally identifiable information consumer consumer year free credit monitoring requires cfpb notify consumers publicly breach page website accessing personally identifiable information collected cfpb hold confidential security clearance


Summary:
Bureau Advisory Opinion Act - Amends the Consumer Financial Protection Act of 2010 to require the Director of the Consumer Financial Protection Bureau (CFPB) to: (1) establish a procedure to respond to specific inquiries by a covered person concerning conformance of prospective conduct with federal consumer financial law, and (2) issue an opinion in response to the inquiry within 90 days (with a single allowable extension of another 45 days).

(A "covered person" under the Act is: (1) any person that engages in offering or providing a consumer financial product or service, and (2) any affiliate of that person if the affiliate acts as a service provider to the person.)

Creates a rebuttable presumption in any action brought under federal consumer financial law that any conduct for which the Director has issued an opinion that it is in conformity with the opinion is indeed in compliance with federal consumer financial law.

Exempts such inquiries and advisory opinions from disclosure under the Freedom of Information Act.

bureau advisory opinion act amends consumer financial protection act require director consumer_financial_protection_bureau cfpb establish procedure respond specific inquiries covered person concerning conformance prospective conduct federal consumer financial law issue opinion response inquiry days single allowable extension days covered person act person engages offering providing consumer financial product service affiliate person affiliate acts service provider person creates rebuttable presumption action brought federal consumer financial law conduct director issued opinion conformity opinion compliance federal consumer financial law exempts inquiries advisory opinions disclosure freedom information act


Summary: Bureau Guidance Transparency Act - Amends the Consumer Financial Protection Act of 2010 to direct the Consumer Financial Protection Bureau (CFPB), before issuing any guidance, to: (1) provide for a public notice and comment period before issuing the guidance in final form; and (2) make available to the public, when issuing guidance in final form, all studies, data, and other analysis relied upon by the CFPB in preparing and issuing such guidance.

bureau guidance transparency act amends consumer financial protection act direct consumer_financial_protection_bureau cfpb issuing guidance provide public notice comment period issuing guidance final form available public issuing guidance final form studies data analysis relied cfpb preparing issuing guidance


Summary: Bureau Arbitration Fairness Act - Amends the Consumer Financial Protection Act of 2010 to repeal the authority of the Consumer Financial Protection Bureau (CFPB) to prohibit or restrict the use of an agreement between persons under its jurisdiction and a consumer in connection with the offering or providing of a consumer financial product or service that provides for mandatory pre-dispute arbitration of any future dispute between the parties.

bureau arbitration fairness act amends consumer financial protection act repeal authority consumer_financial_protection_bureau cfpb prohibit restrict use agreement persons jurisdiction consumer connection offering providing consumer financial product service provides mandatory pre dispute arbitration future dispute parties


Summary: Robin Danielson Act of 2014 - Amends the Public Health Service Act to require the Director of the National Institutes of Health (NIH) to provide for the conduct or support of research on the extent to which components, including contaminants and substances used as fragrances, in feminine hygiene products pose any risks to the health of women or the health of the children of women who use those products during or before the pregnancies involved.

amends public_health_service_act require director national_institutes_of_health nih provide conduct support research extent components including contaminants substances hygiene products pose risks health women health children women use products pregnancies involved


Summary:
Bureau Examination Fairness Act - Amends the Consumer Financial Protection Act of 2010 to prohibit the Consumer Financial Protection Bureau (CFPB) from including enforcement attorneys when examining entities under its jurisdiction.

Requires the CFPB, when requesting data from such entities, to: (1) ensure that the different divisions of the CFPB coordinate with each other before the data is requested, (2) accompany each request with a written statement of its intended use, and (3) use peer-reviewed data sampling based upon limited data sets rather than requesting full data sets (unless the Director determines, in writing, that requesting full data sets is necessary).

Directs the CFPB also, with respect to a data request whose cost of compliance is anticipated to exceed $50,000 per company, to give the entity the Director's written approval for the request.

Requires the CFPB to: (1) complete examination field work and conduct an exit interview with the entity being examined within 60 days after the examination begins, and (2) produce a report of examination or supervisory letter within 120 days after the examination is completed.

Restricts the CFPB to performing only one limited-scope examination of an entity at any one time.

bureau examination fairness act amends consumer financial protection act prohibit consumer_financial_protection_bureau cfpb including enforcement attorneys examining entities jurisdiction requires cfpb requesting data entities ensure different divisions cfpb coordinate data requested accompany request written statement intended use use peer reviewed data sampling based limited data sets requesting data sets director determines writing requesting data sets necessary directs cfpb respect data request cost compliance anticipated exceed company entity director written approval request requires cfpb complete examination field work conduct exit interview entity examined days examination begins produce report examination supervisory letter days examination completed restricts cfpb performing limited scope examination entity time


Summary:
Bureau Guidance Transparency Act - Amends the Consumer Financial Protection Act of 2010 to direct the Consumer Financial Protection Bureau (CFPB), when issuing guidance, to: (1) provide for a public notice and comment period before issuing the guidance in final form, (2) make publicly available all information relied on by the CFPB, and (3) redact any information that is exempt from disclosure under specified provisions of the Freedom of Information Act.

 Declares without force or effect CFPB Bulletin 2013-02 (Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act), published March 21, 2013.

bureau guidance transparency act amends consumer financial protection act direct consumer_financial_protection_bureau cfpb issuing guidance provide public notice comment period issuing guidance final form publicly available information relied cfpb redact information exempt disclosure specified provisions freedom information act declares force effect cfpb equal_credit_opportunity_act published march


Summary:
(This measure has not been amended since it was passed by the House on July 29, 2014. The summary of that version is repeated here.)

 Examination and Supervisory Privilege Parity Act of 2014 - Amends the Consumer Financial Protection Act of 2010, with respect to the supervision of nondepository covered persons, to include state agencies that licence, supervise, or examine the offering of consumer financial products or services among the regulatory agencies with which the Consumer Financial Protection Bureau (CFPB) is required to coordinate its supervisory activities.

Declares that the sharing of information with such regulators, authorities, and agencies shall not be construed as waiving, destroying, or otherwise affecting any privilege or confidentiality claimed by nondepository covered persons under federal or state law regarding such information as to any person or entity other than the CFPB, agency, supervisor, or authority.

measure amended passed house july summary version repeated examination supervisory privilege parity act amends consumer financial protection act respect supervision nondepository covered persons include state agencies supervise examine offering consumer financial products services regulatory agencies consumer_financial_protection_bureau cfpb required coordinate supervisory activities declares sharing information regulators authorities agencies shall construed waiving destroying affecting privilege confidentiality claimed nondepository covered persons federal state law information person entity cfpb agency supervisor authority


Summary:
Amends the Consumer Financial Protection Act of 2010 to require the Consumer Financial Protection Bureau (CFPB) to develop a model form for a disclosure notice to be used by depository institutions and credit unions to inform consumers before they open a checking account.

Exempts from the requirement to use such a form any depository institutions or credit unions with total assets of less than $2 billion.

amends consumer financial protection act require consumer_financial_protection_bureau cfpb develop model form disclosure notice depository institutions credit unions inform consumers open checking account exempts requirement use form depository institutions credit unions total assets billion


Summary:
Reforming CFPB Indirect Auto Financing Guidance Act - Declares without force or effect Consumer Financial Protection Bureau (CFPB) Bulletin 2013-02 (Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act), published March 21, 2013.

Amends the Consumer Financial Protection Act of 2010 to direct the CFPB, when proposing and issuing guidance primarily related to indirect auto financing, to:

 provide for a public notice and comment period before issuing the guidance in final form; make publicly available all information relied on by the CFPB; redact any information exempt from disclosure under the Freedom of Information Act; consult with the Board of Governors of the Federal Reserve System, the Federal Trade Commission (FTC), and the Department of Justice (DOJ); and study the costs and impacts of the guidance to consumers and women-owned, minority-owned, and small businesses.

reforming cfpb indirect auto financing guidance act declares force effect consumer_financial_protection_bureau cfpb equal_credit_opportunity_act published march amends consumer financial protection act direct cfpb proposing issuing guidance primarily related indirect auto financing provide public notice comment period issuing guidance final form publicly available information relied cfpb redact information exempt disclosure freedom information act consult board_of_governors federal_reserve_system federal_trade_commission ftc department_of_justice doj study costs impacts guidance consumers women owned minority owned small businesses


Summary: Child Nicotine Poisoning Prevention Act of 2014 - Directs the Consumer Product Safety Commission (CPSC) to promulgate a rule requiring liquid nicotine containers to be designed with special packaging that is difficult for children under five years of age to open or to obtain harmful contents from.

child nicotine poisoning prevention act directs consumer product safety commission cpsc promulgate rule requiring liquid nicotine containers designed special packaging difficult children years age open obtain harmful contents


Summary:
Protecting Students from Worthless Degrees Act - Makes any institution of higher education (IHE) postsecondary program designed to prepare students for a recognized occupation or profession requiring licensing or other entry pre-conditions ineligible to participate in a federal financial assistance program, unless it meets specified student consumer protection requirements.

Requires each program to: (1) fully prepare students to satisfy those entry pre-conditions in the metropolitan statistical areas and states in which the students reside and in any state the program claims a successful program graduate will be prepared to work in the particular occupation or profession involved; and (2) provide timely placement of students in required pre-licensure positions, such as clinical placements, internships, or apprenticeships.

Directs the Secretary of Education to promulgate regulations regarding pre-accredited IHE programs to: (1) impose consumer protection requirements on such programs that are consistent with those this Act imposes on accredited programs, and (2) condition an IHE's participation in any federal financial assistance program on the IHE signing a loan discharge agreement with each of their students who is enrolled in any pre-accredited program.

protecting students worthless degrees act makes institution higher education ihe postsecondary program designed prepare students recognized occupation profession requiring licensing entry pre conditions ineligible participate federal financial assistance program meets specified student consumer protection requirements requires program fully prepare students satisfy entry pre conditions metropolitan statistical areas states students reside state program claims successful program graduate prepared work particular occupation profession involved provide timely placement students required pre licensure positions clinical placements internships apprenticeships directs secretary education promulgate regulations pre accredited ihe programs impose consumer protection requirements programs consistent act imposes accredited programs condition ihe participation federal financial assistance program ihe signing loan discharge agreement students enrolled pre accredited program


Summary:
Consumer Credit Access, Innovation, and Modernization Act - Directs the Comptroller of the Currency to charter creditors which shall become Internet consumer credit corporations (Internet creditors) to offer financial products or services primarily to underserved consumers and small businesses.

Requires an applicant for a federal charter to submit an application which includes: (1) a business plan for at least a three-year period with its primary business activities serving underserved consumers and small businesses for credit and related financial services through the Internet and electronic devices and not through brick-and-mortar locations, (2) a marketing plan that describes the types of financial products or services such creditor intends to offer, (3) a plan to promptly address complaints from underserved consumers and small businesses, and (4) an adequate capital structure.

Requires the Comptroller to approve or deny applications expeditiously.

Prohibits an Internet creditor from being owned or controlled by any person unless that person meets certain criteria.

Directs the Comptroller to ensure that Internet creditors only provide loans and other financial products or services through the Internet and electronic devices, and primarily focus their business operations on providing underserved consumers a variety of affordable financial products or services that are commercially viable for such creditors, including facilitation of personal savings and enhancement of such consumers' credit record.

Requires the Comptroller also to: (1) supervise and examine the activities of Internet creditors, and (2) adopt safeguards to ensure appropriate privacy and confidentiality protections regarding individually identifiable personal data and proprietary corporate data.

Instructs the Director of the Consumer Financial Protection Bureau (CFPB) to: (1) regulate the offering and provision of consumer financial products or services by Internet creditors pursuant to its authorities under federal consumer financial laws, including the Dodd-Frank Wall Street Reform and Consumer Protection Act; and (2) coordinate with the Comptroller and other federal and state regulatory agencies to promote much greater availability of innovative, affordable, commercially viable credit for underserved consumers and small businesses, as well as consistent regulatory treatment of consumer and small business financial products or services.

Requires Internet creditors to make available to each consumer to whom a financial product or service is being offered: (1) information on how the consumer may obtain financial counseling services, the benefits of following a regular personal savings program, and how consumers can improve their credit ratings; (2) disclose clearly and conspicuously in the loan agreement the true cost of a loan, including all interest, fees, and loan related charges; and (3) offer a free extended repayment plan at least once yearly to an underserved consumer who is unable to repay an extension of credit with a loan repayment term of less than 120 days.

Subjects an Internet creditor to the enforcement authorities of the Comptroller, the Director, any other federal agency, and state attorneys general.

Makes a conforming amendment to the Truth in Lending Act.

innovation modernization act directs comptroller currency charter creditors shall internet consumer credit corporations internet creditors offer financial products services primarily underserved consumers small businesses requires applicant federal charter submit application includes business plan year period primary business activities serving underserved consumers small businesses credit related financial services internet electronic devices locations marketing plan describes types financial products services creditor intends offer plan promptly address complaints underserved consumers small businesses adequate capital structure requires comptroller approve deny applications expeditiously prohibits internet creditor owned controlled person person meets certain criteria directs comptroller ensure internet creditors provide loans financial products services internet electronic devices primarily focus business operations providing underserved consumers variety affordable financial products services commercially viable creditors including facilitation personal savings enhancement consumers credit record requires comptroller supervise examine activities internet creditors adopt safeguards ensure appropriate privacy confidentiality protections individually identifiable personal data proprietary corporate data instructs director consumer_financial_protection_bureau cfpb regulate offering provision consumer financial products services internet creditors pursuant authorities federal consumer financial laws including dodd frank wall street reform consumer protection act coordinate comptroller federal state regulatory agencies promote greater availability innovative affordable commercially viable credit underserved consumers small businesses consistent regulatory treatment consumer small business financial products services requires internet creditors available consumer financial product service offered information consumer obtain financial counseling services benefits following regular personal savings program consumers improve credit ratings disclose clearly conspicuously loan agreement true cost loan including interest fees loan related charges offer free extended repayment plan yearly underserved consumer unable repay extension credit loan repayment term days subjects internet creditor enforcement authorities comptroller director federal agency state attorneys general makes conforming amendment truth lending act


Summary:
Responsible Consumer Financial Protection Regulations Act of 2013 - Amends the Consumer Financial Protection Act of 2010 (title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act) to replace the position of Director of the Consumer Financial Protection Bureau (CFPB) with a five-member Commission whose members are appointed by the President, by and with the advice and consent of the Senate.

Prohibits the Chair of the Commission from making requests for estimates related to appropriations without the prior approval of the Commission.

Revises procedures for funding the CFPB. Eliminates the Consumer Financial Protection Fund and the requirement that the Board of Governors of the Federal Reserve System transfer funds to the CFPB from the combined earnings of the Federal Reserve System. Authorizes appropriations for FY2013-FY2014.

Directs the CFPB, in prescribing a rule under the federal consumer financial laws, to consider the rule's impact on the financial safety or soundness of an insured depository institution.

responsible consumer financial protection regulations act amends consumer financial protection act title dodd frank wall street reform consumer protection act replace position director consumer_financial_protection_bureau cfpb member commission members appointed president advice consent senate prohibits chair commission making requests estimates related appropriations prior approval commission revises procedures funding cfpb eliminates requirement board_of_governors federal_reserve_system transfer funds cfpb combined earnings federal_reserve_system authorizes appropriations fy2013 fy2014 directs cfpb prescribing rule federal consumer financial laws consider rule impact financial safety soundness insured depository institution


Summary:
Swaps Regulatory Improvement Act - Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act with respect to the prohibition against certain federal assistance to swaps entities, namely the use of any advances from specified Federal Reserve credit facilities or discount windows, or Federal Deposit Insurance Corporation (FDIC) insurance or guarantees, for the purpose of: (1) making any loan to, or purchasing any stock, equity interest, or debt obligation of, any swaps entity; (2) purchasing the assets of any swaps entity; (3) guaranteeing any loan or debt issuance of any swaps entity; or (4) entering into any assistance arrangement (including tax breaks), loss sharing, or profit sharing with any swaps entity.

Extends to any major swap participant or major security-based swap participant that is an uninsured U.S. branch or agency of a foreign bank the exemption from the prohibition against federal assistance to swaps entities which is currently limited to any major swap participant or major security-based swap participant that is an FDIC-insured bank or savings association.

Designates both uninsured U.S. branches or agencies of a foreign bank and insured depository institutions as "covered depository institutions."

Requires any covered depository institution exempted from the prohibition to limit its swap and security-based swap activities to hedging and similar risk mitigating activities (as under current law), non-structured finance swap activities, or certain structured finance swap activities. (Defines "structured finance swap" as a swap or security-based swap based on an asset-backed security [or group or index primarily composed of asset-backed securities].)

Qualifies a structured finance swap activity for the exemption if: (1) it is undertaken for hedging or risk management purposes, or (2) each asset-backed security underlying the structured finance swap is of a credit quality and of a type or category with respect to which the prudential regulators have jointly adopted rules authorizing such a swap or security-based swap activity by covered depository institutions.

Repeals the exemption from the prohibition for any insured depository institution that limits its swap and security-based swap activities to acting as a swaps entity for: (1) swaps or security-based swaps involving rates or reference assets that are permissible for investment by a national bank; or (2) credit default swaps, including those referencing the credit risk of asset-backed securities unless they are cleared by a derivatives clearing organization or a clearing agency registered, or exempt from registration, under the Commodity Exchange Act or the Securities Exchange Act.

swaps regulatory improvement act amends dodd frank wall street reform consumer protection act respect prohibition certain federal assistance swaps entities use advances specified federal_reserve credit facilities discount windows federal_deposit_insurance_corporation fdic insurance guarantees purpose making loan purchasing stock equity interest debt obligation swaps entity purchasing assets swaps entity guaranteeing loan debt issuance swaps entity entering assistance arrangement including tax breaks loss sharing profit sharing swaps entity extends major swap participant major security based swap participant uninsured branch agency foreign bank exemption prohibition federal assistance swaps entities currently limited major swap participant major security based swap participant fdic insured bank savings association designates uninsured branches agencies foreign bank insured depository institutions covered depository institutions requires covered depository institution exempted prohibition limit swap security based swap activities hedging similar risk mitigating activities current law non structured finance swap activities certain structured finance swap activities defines structured finance swap swap security based swap based asset backed security group index primarily composed asset backed securities qualifies structured finance swap activity exemption undertaken hedging risk management purposes asset backed security underlying structured finance swap credit quality type category respect prudential regulators jointly adopted rules authorizing swap security based swap activity covered depository institutions repeals exemption prohibition insured depository institution limits swap security based swap activities acting swaps entity swaps security based swaps involving rates reference assets permissible investment national bank credit default swaps including referencing credit risk asset backed securities cleared derivatives clearing organization clearing agency registered exempt registration commodity_exchange_act securities_exchange_act


Summary:
Health Insurance Rate Review Act - Amends the Public Health Service Act to declare that federal requirements that the Secretary of Health and Human Services (HHS) review unreasonable premium increases in health care coverage shall not be construed to prohibit a state from imposing additional rate requirements on health insurance issuers that are more protective of consumers. Expands such review to include all rate increases, not only premium increases.

Directs the Secretary or the relevant state insurance commissioner (or state regulator) to take corrective actions to ensure that any excessive, unjustified, or unfairly discriminatory rates are corrected before, or as soon as possible after, implementation, including through mechanisms such as denying rates, modifying rates, or requiring rebates to consumers. Authorizes civil monetary penalties and ineligibility as a qualified health plan for failing to comply with any corrective action taken by the Secretary.

Requires the Secretary to determine whether the state insurance commissioner or regulator or the Secretary will undertake such corrective actions based on whether the state can adequately undertake such actions. Applies this Act to health plans grandfathered under the Patient Protection and Affordable Care Act.

declare federal requirements secretary health_and_human_services hhs review unreasonable premium increases health care coverage shall construed prohibit state imposing additional rate requirements health insurance issuers protective consumers expands review include rate increases premium increases directs secretary relevant state insurance commissioner state regulator corrective actions ensure excessive unjustified unfairly discriminatory rates corrected soon possible implementation including mechanisms denying rates modifying rates requiring rebates consumers authorizes civil monetary penalties ineligibility qualified health plan failing comply corrective action taken secretary requires secretary determine state insurance commissioner regulator secretary undertake corrective actions based state adequately undertake actions applies act health plans grandfathered patient_protection affordable care act


Summary:
Identity Theft and Tax Fraud Prevention Act of 2013 - Requires the Secretary of the Treasury to: (1) establish a plan to reduce the administrative time required to process and resolve cases of tax-related identity theft, (2) ensure that taxpayers who have been adversely affected by identity theft have a single point of contact at the Internal Revenue Service (IRS), (3) issue a personal identification number to identity theft victims after their true identity has been established and verified, (4) implement a program to prevent the processing of a tax return by an identity thief, (5) issue regulations that restrict the delivery or deposit of multiple tax refunds to the same individual in the same tax year, and (6) submit a report on options for creating a tax system that reduces burdens on taxpayers and decreases tax fraud through information matching. Imposes restrictions on the use of prepaid debit cards for tax refunds.

Prohibits the Secretary of Commerce from disclosing information contained on the Death Master File relating to a deceased individual to persons who are not certified to access such information.

Directs the Secretary of Health and Human Services (HHS) to: (1) establish and implement procedures to eliminate the unnecessary collection, use, and display of social security account numbers of Medicare beneficiaries; (2) ensure that newly-issued Medicare identification cards meet certain security standards; and (3) establish a pilot program to evaluate the applicability of smart card technology to Medicare beneficiaries or providers and whether such cards would be effective in preventing Medicare fraud.

Amends the federal criminal code to prohibit the display, sale, or purchase of social security numbers without the consent of the account holder. Imposes criminal penalties for obtaining a social security number for purposes of locating or identifying an individual with the intent to physically injure, harm, or use the identity of an individual for any illegal purpose. Allows civil remedies to enjoin and recover losses from violations of this Act and sets forth civil penalties for such violations.

Amends the Internal Revenue Code to: (1) impose a criminal penalty for willful misappropriation of another person's taxpayer identity, and (2) increase the civil and criminal penalties for unauthorized disclosure of taxpayer information by paid tax return preparers.

Authorizes the IRS Commissioner to transfer appropriated funds to be used solely to prevent and resolve potential cases of tax fraud.

Directs the Commissioner to establish in the Criminal Investigation Division of the IRS the position of Local Law Enforcement Liaison to coordinate the investigation of tax fraud with state and local law enforcement agencies.

Grants the Secretary of the Treasury access to information in the National Directory of New Hires for purposes of administering the tax code.

requires secretary treasury establish plan reduce administrative time required process resolve cases tax related identity theft ensure taxpayers adversely affected identity theft single point contact internal_revenue_service irs issue personal identification number identity theft victims true identity established verified implement program prevent processing tax return identity issue regulations restrict delivery deposit multiple tax refunds individual tax year submit report options creating tax system reduces burdens taxpayers decreases tax fraud information matching imposes restrictions use prepaid debit cards tax refunds prohibits secretary commerce disclosing information contained death master file relating deceased individual persons certified access information directs secretary health_and_human_services hhs establish implement procedures eliminate unnecessary collection use display social security account numbers medicare beneficiaries ensure newly issued medicare identification cards meet certain security standards establish pilot program evaluate applicability smart card technology medicare beneficiaries providers cards effective preventing medicare fraud amends federal criminal code prohibit display sale purchase social security numbers consent account holder imposes criminal penalties obtaining social security number purposes locating identifying individual intent physically injure harm use identity individual illegal purpose allows civil remedies enjoin recover losses violations act sets forth civil penalties violations amends internal revenue code impose criminal penalty willful misappropriation person taxpayer identity increase civil criminal penalties unauthorized disclosure taxpayer information paid tax return preparers authorizes irs commissioner transfer appropriated funds solely prevent resolve potential cases tax fraud directs commissioner establish criminal_investigation_division_of_the_irs position local law enforcement liaison coordinate investigation tax fraud state local law enforcement agencies grants secretary treasury access information national_directory_of_new_hires purposes administering tax code


Summary: Patents for Humanity Program Improvement Act of 2013 - Allows the holder or successor of an acceleration certificate issued pursuant to the Patents for Humanity Program (a pilot awards program established by the U.S. Patent and Trademark Office [USPTO] entitling awardees to accelerate certain USPTO proceedings for patented technologies addressing humanitarian needs among an impoverished population or for further research on humanitarian technologies) to transfer, including by sale, the entitlement to such certificate to another person.

patents humanity program improvement act allows holder successor acceleration certificate issued pursuant patents humanity program pilot awards program established uspto awardees accelerate certain uspto proceedings patented technologies addressing humanitarian needs impoverished population research humanitarian technologies transfer including sale entitlement certificate person


Summary:
Bureau of Consumer Financial Protection-Inspector General Reform Act of 2013 or CFPB-IG Act of 2013 - Amends the Inspector General Act of 1978 to repeal the authority of the Chairman of the Board of Governors of the Federal Reserve System to appoint the Inspector General of the Consumer Financial Protection Bureau (CFPB).

Requires the CFPB Inspector General to be appointed by the President, by and with the advice and consent of the Senate.

general reform_act amends inspector general act repeal authority chairman board_of_governors federal_reserve_system appoint inspector general consumer financial protection bureau cfpb requires cfpb inspector general appointed president advice consent senate


Summary:
Seniors Fraud Prevention Act of 2013 - Directs the Federal Trade Commission (FTC) to establish an office within the Bureau of Consumer Protection to advise the FTC on the prevention of fraud targeting seniors and to assist the FTC in monitoring the market for mail, television, Internet, and telemarketing fraud including recorded message telephone calls (robocalls) targeting seniors.

Requires the FTC, through such office, to: (1) disseminate to seniors and their families and caregivers information on the most common fraud schemes, including methods of reporting complaints either to the FTC's national toll-free telephone number or to the FTC's Consumer Sentinel Network, where complaints become immediately available to the Federal Bureau of Investigation (FBI), state attorneys general, and other appropriate law enforcement agencies; (2) provide, in response to a specific request about a particular entity or individual, publicly available information regarding the FTC's enforcement action; and (3) maintain a website as a resource for information on fraud targeting seniors.

Directs the FTC to establish procedures through such office to: (1) log and acknowledge the receipt of complaints by individuals who believe they have been a victim of such fraud in the Consumer Sentinel Network and to make such complaints immediately available to federal, state, and local law enforcement authorities; and (2) provide individuals with information on such fraud as well as the most common schemes.

seniors fraud prevention act directs federal_trade_commission ftc establish office advise ftc prevention fraud targeting seniors assist ftc monitoring market mail television internet telemarketing fraud including recorded message telephone calls robocalls targeting seniors requires ftc office disseminate seniors families caregivers information common fraud schemes including methods reporting complaints ftc national toll free telephone number ftc complaints immediately available federal_bureau_of_investigation fbi state attorneys general appropriate law enforcement agencies provide response specific request particular entity individual publicly available information ftc enforcement action maintain website resource information fraud targeting seniors directs ftc establish procedures office log acknowledge receipt complaints individuals believe victim fraud complaints immediately available federal state local law enforcement authorities provide individuals information fraud common schemes


Summary: Hunting, Fishing, and Recreational Shooting Protection Act - Amends the Toxic Substances Control Act (TSCA) to exclude from the definition of "chemical substance" for purposes of such Act: (1) any component of  any pistol, revolver, firearm, shell, or cartridge the sale of which is subject to federal excise tax, including shot, bullets and other projectiles, propellants, and primers; and (2) any sport fishing equipment the sale of which is subject to federal excise tax and sport fishing equipment components.

hunting fishing toxic_substances_control_act tsca exclude definition chemical substance purposes act component pistol revolver firearm shell cartridge sale subject federal excise tax including shot bullets projectiles propellants primers sport fishing equipment sale subject federal excise tax sport fishing equipment components