Summary: American Credit Card Reform Act - Amends the Truth in Lending Act to prohibit the annual percentage rate (APR) applicable to any extension of credit on an open end consumer credit account from exceeding 14%. Prohibits a credit card issuer from imposing any fee or penalty in connection with a transaction initiated by a consumer in which credit extended under such credit plan is applied to reduce an outstanding balance on another credit card account of the consumer. Prohibits a credit card issuer from: (1) advertising any credit card account on the grounds of an institution of higher education through the distribution of written applications or solicitations; or (2) amending or changing the terms of a credit card contract so long as the consumer remains in full compliance with the contract's existing terms. Prohibits the due date for any periodic payment on an outstanding credit card balance from being less than 30 days after: (1) the date of the postmark on the envelope in which the periodic statement was sent to the consumer; or if no postmark appears on the envelope, (2) the date that is three days after the closing date of such periodic statement.

prohibit annual percentage rate apr applicable extension credit open end consumer credit account exceeding prohibits credit card issuer imposing fee penalty connection transaction initiated consumer credit extended credit plan applied reduce outstanding balance credit card account consumer prohibits credit card issuer advertising credit card account grounds institution higher education distribution written applications solicitations amending changing terms credit card contract long consumer remains compliance contract existing terms prohibits date periodic payment outstanding credit card balance days date postmark envelope periodic statement sent consumer postmark appears envelope date days closing date periodic statement


Summary: Protect Children from Dangerous Lighters Act of 2009 - Treats certain novelty lighters as banned hazardous substances under the Federal Hazardous Substances Act, and applies to them the Act's prohibitions (in effect banning their introduction or delivery for introduction into interstate commerce). Defines as a "novelty lighter" a lighter that has a toy-like appearance, has entertaining audio or visual effects, or resembles in any way in form or function an item that is commonly recognized as appealing, attractive, or intended for use by children of 10 years of age or younger. Excludes from that term standard disposable and refillable lighters that are printed or decorated with logos, labels, decals, artwork, or heat shrinkable sleeves.

protect children dangerous lighters act treats certain lighters banned hazardous substances federal_hazardous_substances_act applies act prohibitions effect banning introduction delivery introduction interstate commerce defines lighter lighter toy like appearance audio visual effects way form function item commonly recognized appealing intended use children years age younger excludes term standard disposable lighters printed labels heat


Summary: Motor Vehicle Owners Right to Repair Act of 2009 - Requires the manufacturer of a motor vehicle sold, leased, or otherwise introduced into U.S. commerce to: (1) provide to the vehicle owner and service providers all information necessary to diagnose, service, maintain, or repair the vehicle; (2) offer for sale to the vehicle owner and service providers any related tool or equipment; and (3) provide the information that enables aftermarket tool companies to manufacture tools with the same functional characteristics. Exempts trade secrets, so long as the information is not disclosed to authorized dealers or service providers. Authorizes enforcement of this Act by the Federal Trade Commission (FTC) and civil actions by state attorneys general, consumers, and service providers.

motor vehicle owners right repair act requires manufacturer motor vehicle sold leased introduced commerce provide vehicle owner service providers information necessary diagnose service maintain repair vehicle offer sale vehicle owner service providers related tool equipment provide information enables aftermarket tool companies manufacture tools functional characteristics exempts trade secrets long information disclosed authorized dealers service providers authorizes enforcement act federal_trade_commission ftc civil actions state attorneys general consumers service providers


Summary: Skin Cancer Prevention, Education, and Consumer Right-To-Know Act - Requires the proposed rule issued by the Commissioner of Food and Drugs pertaining to over-the-counter sunscreen drug products to take effect 180 days after enactment of this Act, unless the Commissioner issues a final rule that includes formulation, labeling, and testing requirements for both ultraviolet B (UVB) and ultraviolet A (UVA) radiation protection before such time. Directs the Secretary of Health and Human Services to implement a general, nationwide education campaign identifying the risks posed by sun exposure without the use of a sunscreen providing broad-spectrum protection.

skin cancer prevention education consumer right know act requires proposed rule issued pertaining counter sunscreen drug products effect days enactment act commissioner issues final rule includes formulation labeling testing requirements ultraviolet ultraviolet radiation protection time directs secretary health_and_human_services implement general nationwide education campaign identifying risks posed sun exposure use sunscreen providing broad spectrum protection


Summary: Long-Term Care Affordability and Security Act of 2009 - Amends the Internal Revenue Code to: (1) include long-term care insurance as a benefit under tax-exempt employee benefit cafeteria plans and flexible spending arrangements; and (2) extend certain consumer protections under the long-term care insurance model regulation promulgated by the National Association of Insurance Commissioners to all contracts for long-term care insurance.

amends internal revenue code include long term care insurance benefit tax exempt employee benefit cafeteria plans flexible spending arrangements extend certain consumer protections long term care insurance model regulation promulgated national_association_of_insurance_commissioners contracts long term care insurance


Summary: Federal Price Gouging Prevention Act - Makes it unlawful, during a period proclaimed by the President as an energy emergency, to sell gasoline or any other petroleum distillate at a price that: (1) is unconscionably excessive; or (2) indicates the seller is taking unfair advantage of the circumstances of an emergency to increase prices unreasonably. Authorizes the President to issue an energy emergency proclamation of up to 30 days, with renewals allowed, and to cite the geographic area, gasoline or other petroleum distillate, and time period covered. Authorizes a proclamation to include a period of up to one week preceding a reasonably foreseeable emergency. Exempts from this Act a sale of gasoline or other petroleum distillate transaction on a futures market. Empowers the Federal Trade Commission (FTC) and state attorneys general to enforce this Act. Prescribes civil and criminal penalties for violations, but limits the criminal penalty to criminal actions brought by the Department of Justice (DOJ). Allows a state to bring a civil action to enforce this Act or to impose civil penalties. Requires deposit of fines and penalties collected under this Act in a separate Consumer Relief Trust Fund in the Treasury to provide assistance under the Low Income Home Energy Assistance (LIHEAP) Program. Declares that nothing in this Act preempts state law.

federal price gouging prevention act makes unlawful period proclaimed president energy emergency sell gasoline petroleum distillate price unconscionably excessive indicates seller taking unfair advantage circumstances emergency increase prices unreasonably authorizes president issue energy emergency proclamation days renewals allowed cite geographic area gasoline petroleum distillate time period covered authorizes proclamation include period week preceding reasonably foreseeable emergency exempts act sale gasoline petroleum distillate transaction futures market empowers_the_federal_trade_commission ftc state attorneys general enforce act prescribes civil criminal penalties violations limits criminal penalty criminal actions brought department_of_justice doj allows state bring civil action enforce act impose civil penalties requires deposit fines penalties collected act separate treasury provide assistance low income home energy assistance program declares act preempts state law


Summary: (This measure has not been amended since it was passed by the House on July 28, 2010. The summary of that version is repeated here.) Truth in Fur Labeling Act of 2010 - Amends the Fur Products Labeling Act to eliminate the exemption to fur labeling requirements for products containing relatively small amounts of fur. Exempts from such Act a fur product: (1) the fur of which was obtained from an animal through trapping or hunting; and (2) that is sold by the hunter or trapper in a face to face transaction at a place such as a residence, craft fair, or other location used on a temporary or short term basis where the revenue from the sale is not such person's primary income source. Directs the Federal Trade Commission (FTC) to publish in the Federal Register notice of, and an opportunity to comment on, a review of the Fur Products Name Guide. States that budgetary effects of this Act for the purpose of complying with the Statutory Pay-As-You-Go Act of 2010 shall be determined by reference to the latest statement titled "Budgetary Effects of PAYGO Legislation" for this Act submitted for printing in the Congressional Record by the Chairman of the House Budget Committee, provided that such statement has been submitted prior to the vote on passage.

measure amended passed house july summary version repeated truth fur labeling act amends fur products labeling act eliminate exemption fur labeling requirements products containing relatively small amounts fur exempts act fur product fur obtained animal trapping hunting sold hunter face face transaction place residence craft fair location temporary short term basis revenue sale person primary income source directs federal_trade_commission ftc publish federal_register notice opportunity comment review states budgetary effects act purpose complying statutory pay act shall determined reference latest statement titled budgetary effects paygo legislation act submitted printing congressional_record chairman house_budget_committee provided statement submitted prior vote passage


Summary: National Amusement Park Ride Safety Act of 2009 - Amends the Consumer Product Safety Act to expand the definition of consumer product to include amusement rides permanently fixed to a site (thereby granting the Consumer Product Safety Commission jurisdiction over such rides).

amends consumer product safety act expand definition consumer product include amusement permanently fixed site granting consumer_product_safety_commission jurisdiction


Summary: Amends the Securities Exchange Act of 1934 to authorize the Securities and Exchange Commission (SEC) to censure, place limitations on the activities or functions of, or investigate any person who at the time of specified alleged misconduct was: (1) a member or employee of the Municipal Securities Rulemaking Board; (2) a person associated with or seeking to become associated with a government securities broker or dealer; (3) a person associated with a member of a national securities exchange or registered securities association; (4) a participant of a registered clearing agency; (5) an officer or director of a self-regulatory organization; and (6) an officer or director of an investment company.

amends securities exchange act authorize securities_and_exchange_commission sec place limitations activities functions investigate person time specified alleged misconduct member employee municipal_securities_rulemaking_board person associated seeking associated government securities broker dealer person associated member national securities exchange registered securities association participant registered clearing agency officer director self regulatory organization officer director investment company


Summary: Better Oversight of Secondary Sales and Accountability in Concert Ticketing Act of 2009 - Requires the Federal Trade Commission (FTC) to promulgate rules regarding the primary sale, distribution, and pricing of tickets, including regarding: (1) disclosing the number of tickets and the distribution method; (2) printing the date and time of sale on each ticket; (3) disclosure on the seller's website or in promotional material of all ancillary charges; and (4) inclusion of all ancillary charges in any refund. Requires the FTC to promulgate rules regarding the secondary sale, distribution, and pricing of tickets, including regarding: (1) disclosure if the secondary seller does not possess the ticket at the time of the sale; (2) purchase by a secondary seller during the first 48 hours of ticket availability; (3) disclosure of the distribution method, the face value of each ticket, and the location of the seat or space involved; (4) disclosure that an online marketplace is for secondary sale; (5) resale for a price higher than face value; and (6) disclosure by an online marketplace when the secondary seller is the primary seller, venue, or artist involved. Requires secondary sellers and online resale marketplaces to register with the FTC. Treats a violation as an unfair or deceptive act or practice under of the Federal Trade Commission Act and requires the FTC to enforce this Act. Allows states to bring civil enforcement actions. Allows state and local laws that provide equal or greater protection to consumers.

accountability concert act requires federal_trade_commission ftc promulgate rules primary sale distribution pricing tickets including disclosing number tickets distribution method printing date time sale ticket disclosure seller website promotional material ancillary charges inclusion ancillary charges refund requires ftc promulgate rules secondary sale distribution pricing tickets including disclosure secondary seller possess ticket time sale purchase secondary seller hours ticket availability disclosure distribution method face value ticket location seat space involved disclosure online marketplace secondary sale resale price higher face value disclosure online marketplace secondary seller primary seller venue artist involved requires secondary sellers online resale register ftc treats violation unfair deceptive act practice federal_trade_commission act requires ftc enforce act allows states bring civil enforcement actions allows state local laws provide equal greater protection consumers


Summary: Household Product Labeling Act of 2009 - Requires any household cleaning product or similar product to bear a label on the product's container or packaging that contains a complete and accurate list of all the product's ingredients. Treats a product without such a label as a misbranded hazardous substance under the Federal Hazardous Substances Act. Defines "household cleaning product or similar product" as any substance which is customarily produced and distributed for use in or about a household as a cleaning agent, pesticide, epoxy, paint or stain, or similar substance. Authorizes the Consumer Product Safety Commission (CPSC) to issue related regulations, including regulations which expand on or exempt from the definition in this Act any product or product category.

household product labeling act requires household cleaning product similar product bear label product container packaging contains complete accurate list product ingredients treats product label misbranded hazardous substance federal_hazardous_substances_act defines household cleaning product similar product substance customarily produced distributed use household cleaning agent pesticide paint similar substance authorizes consumer product safety commission cpsc issue related regulations including regulations expand exempt definition act product product category


Summary: Consumer Product and Food Safety Information Act of 2009 - Requires the head of each federal product safety enforcement agency to design and implement a public information plan to use agency and media resources to provide information to the public concerning: (1) the role of the agency in ensuring product safety; (2) steps consumers can take to enhance their safety while using regulated products; (3) product recalls; and (4) additional information to enhance consumer safety. Requires such plan to include procedures for developing and distributing product safety information to the public. Requires the Consumer Product Safety Commission (CPSC) to establish: (1) a clearinghouse to collect and distribute product recall and safety information to government entities and the public; (2) a toll-free number for such information; and (3) a public website to provide recall information to the public.Requires the head of each enforcement agency to issue: (1) national public service announcements that contain information on the public safety role of the agency, available resources, and product safety information; and (2) posters and other printed material on the public safety role of the agency.Sets forth requirements for product recall notifications and quarterly reporting.Requires any manufacturer or distributor of a product who voluntarily initiates a product recall as a result of safety concerns to provide notice of such recall to the relevant enforcement agency within 10 days.

consumer product requires head federal product safety enforcement agency design implement public information plan use agency media resources provide information public concerning role agency ensuring product safety steps consumers enhance safety regulated products product recalls additional information enhance consumer safety requires plan include procedures developing distributing product safety information public requires consumer product safety commission cpsc establish clearinghouse collect distribute product recall safety information government entities public toll free number information public website provide recall information public requires head enforcement agency issue national public service announcements contain information public safety role agency available resources product safety information posters printed material public safety role agency sets forth requirements product recall notifications quarterly reporting requires manufacturer distributor product voluntarily initiates product recall result safety concerns provide notice recall relevant enforcement agency days


Summary: DMF Free Act of 2009 - Makes it unlawful for any person to manufacture for sale, offer for sale, or distribute in commerce any consumer product containing dimethylfumarate (DMF). Treats any consumer product containing DMF as a banned hazardous substance under the Federal Hazardous Substance Act and treats a violation of this Act as a violation of the Consumer Product Safety Act.

free act makes unlawful person manufacture sale offer sale distribute commerce consumer product containing treats consumer product containing banned hazardous substance treats violation act violation consumer product safety act


Summary: Amends the Sarbanes-Oxley Act of 2002 regarding confidentiality of documents to permit the availability to a foreign auditor oversight authority of information that relates to a public accounting firm within the authority's regulatory or law enforcement jurisdiction, if the authority provides assurances of confidentiality the Public Company Accounting Oversight Board determines to be appropriate.

amends sarbanes oxley act confidentiality documents permit availability foreign auditor oversight authority information relates public accounting firm authority regulatory law enforcement jurisdiction authority provides assurances confidentiality public_company_accounting_oversight_board determines appropriate


Summary: Freedom of Health Speech Act - Amends the Federal Trade Commission Act to prohibit considering the content of any publication as advertising regulable under the Act unless the content is intended by a product seller to promote that product's sale and the content includes the name of the product, an express offer to sell, and a purchase price. Prohibits considering any content excerpted in whole or part from a peer-reviewed scientific publication as advertising regulable under the Act. Prohibits the Federal Trade Commission (FTC) from beginning an investigation of possible false advertising regarding a dietary supplement or a dietary ingredient unless the FTC already possesses clear and convincing evidence that the advertisement is false and misleading. Places the burden of proof on the FTC to show, by clear and convincing evidence, that an advertisement for a dietary supplement or dietary ingredient is false, that the advertisement actually caused consumers to be misled into believing to be true that which is false, and that, but for the false advertising content, the consumer would not have made the purchase at the price paid. Requires the FTC, if a claimed health benefit is alleged to be false advertising, to additionally establish, based on expert scientific opinion and published peer-reviewed scientific evidence, that the claim is false.

freedom health speech act amends federal_trade_commission act prohibit considering content publication advertising act content intended product seller promote product sale content includes product express offer sell purchase price prohibits considering content peer reviewed scientific publication advertising act prohibits federal_trade_commission ftc beginning investigation possible false advertising dietary supplement dietary ingredient ftc possesses clear convincing evidence advertisement false misleading places burden proof ftc clear convincing evidence advertisement dietary supplement dietary ingredient false advertisement actually caused consumers believing true false false advertising content consumer purchase price paid requires ftc claimed health benefit alleged false advertising additionally establish based expert scientific opinion published peer reviewed scientific evidence claim false


Summary: Amends the Consumer Product Safety Act to require the Consumer Product Safety Commission (CPSC), by regulation, to: (1) initiate a program by which a manufacturer or private labeler of a toy or durable nursery product shall label a product as complying with third party testing requirements; and (2) base certification labeling requirements for toys and durable infant and toddler products, at minimum, upon specified product safety design analysis and testing standards (including randomness and frequency standards). Repeals the general product conformity certification requirements of the Act. Delays until August 14, 2010, the effective date of requirements that a manufacturer place permanent, distinguishing marks on a children's product and its packaging that enable the manufacturer to ascertain the product's specific source and the ultimate purchaser to ascertain its production date, location, and cohort information.

amends consumer product safety act require consumer_product_safety_commission cpsc regulation initiate program manufacturer private labeler toy durable nursery product shall label product complying party testing requirements base certification labeling requirements toys durable infant toddler products minimum specified product safety design analysis testing standards including frequency standards repeals general product conformity certification requirements act delays august effective date requirements manufacturer place permanent distinguishing marks children product packaging enable manufacturer ascertain product specific source ultimate purchaser ascertain production date location cohort information


Summary: Credit CARD Technical Corrections Act of 2009 - Amends the Truth in Lending Act, as amended by the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit CARD Act of 2009), to make a technical amendment with respect to the timing of payments related to open end consumer credit plans. Adds the phrase "a credit card account under" to the timing requirement to specify that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date.

amends truth lending act amended credit_card_accountability_responsibility disclosure act technical amendment respect timing payments related open end consumer credit plans adds phrase credit card account timing requirement specify creditor treat payment credit card account open end consumer credit plan late purpose creditor adopted reasonable procedures designed ensure periodic statement mailed delivered consumer days payment date


Summary: Expedited CARD Reform for Consumers Act of 2009 - (Sec. 2) Amends the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit CARD Act of 2009) to: (1) make Title I: Consumer Protection, Title II: Enhanced Consumer Disclosures, and Title III: Protection of Young Consumers effective as of the date of enactment of this Act; and (2) make February 22, 2010, the effective date of such titles for a depository institution with fewer than two million credit cards in circulation on the date of the enactment of the Credit CARD Act of 2009. (Sec. 3) Amends the Truth in Lending Act (TILA) to make conforming amendments with respect to review of past consumer interest rate increases. Amends TILA to move to the date of enactment of this Act: (1) the deadline by which the Board of Governors of the Federal Reserve System (Board) must issue final implementing rules for required creditor reviews of changes in factors considered in past consumer annual percentage interest rate (APR) increases when determining whether to reduce the APR; and (2) the effective date of the creditor review requirement. But makes February 22, 2010, the rules deadline, and August 22, 2010, the effective date of the creditor review requirement governing a depository institution that has fewer than two million credit cards in circulation on the date of the enactment of this Act. Declares the date of enactment of this Act: (1) the effective date of the requirement that any penalty fee or charge that a credit card issuer may impose, including a late payment fee, over-the-limit fee, or any other penalty fee or charge, be reasonable and proportional to the omission or violation to which it relates; and (2) the deadline for the Board to issue final implementing rules establishing standards for assessing whether any such penalty fee or charge is reasonable and proportional. But makes February 22, 2010, the rules deadline, and August 22, 2010, the effective date of the reasonable and proportional requirement itself, with respect to a depository institution with fewer than two million credit cards in circulation on the date of the enactment of this Act. (Sec. 4) States that TILA does not prevent a creditor from putting into effect immediately: (1) any reduction in APR; (2) elimination or reduction of any fee imposed on a consumer; or (3) any significant change in terms for the benefit of the consumer. (Sec. 5) Defers until February 22, 2010, the effective date of the new requirement under the Act that a credit card issuer must apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest. Conditions this moratorium, however, on the creditor's refraining from: (1) increasing any APR, or fees or finance charges applicable to any existing or future balance (other than as provided in TILA); or (2) changing the account terms to the detriment of a consumer, including repayment of any outstanding balance (other than as provided in TILA). (Sec. 6) Amends TILA to prohibit either a creditor or a consumer reporting agency from using the pay off or closure of a consumer credit card account under an open end consumer credit plan to negatively impact the consumer's credit score or consumer report when the consumer pays off an outstanding account balance within 45 days after receiving notice of the imposition of a new fee. (Sec. 7) Imposes a limited moratorium on APR, fee, and finance charge increases, beginning on the date of enactment of this Act. Prohibits a creditor, during the moratorium period, from: (1) increasing any APR, fee, or finance charge applicable to any outstanding balance of a credit card account under an open end consumer credit plan; or (2) changing the repayment terms of an outstanding balance (except as permitted under TILA). Ends such moratorium nine months (February 22, 2010) after the date of enactment of the Credit Card Accountability Responsibility and Disclosure Act of 2009 (May 22, 2009).

expedited card reform consumers act sec amends credit_card_accountability_responsibility disclosure act title consumer protection title enhanced consumer disclosures title iii protection effective date enactment act february effective date titles depository institution fewer million credit cards circulation date enactment credit card act sec amends truth lending act tila conforming amendments respect review past consumer interest rate increases amends tila date enactment act deadline board_of_governors federal_reserve_system board issue final implementing rules required creditor reviews changes factors considered past consumer annual percentage interest rate apr increases determining reduce apr effective date creditor review requirement makes february rules deadline august effective date creditor review requirement governing depository institution fewer million credit cards circulation date enactment act declares date enactment act effective date requirement penalty fee charge credit card issuer impose including late payment fee limit fee penalty fee charge reasonable proportional omission violation relates deadline board issue final implementing rules establishing standards assessing penalty fee charge reasonable proportional makes february rules deadline august effective date reasonable proportional requirement respect depository institution fewer million credit cards circulation date enactment act sec states tila prevent creditor putting effect immediately reduction apr elimination reduction fee imposed consumer significant change terms benefit consumer sec february effective date new requirement act credit card issuer apply amounts excess minimum payment card balance bearing highest rate interest conditions moratorium creditor refraining increasing apr fees finance charges applicable existing future balance provided tila changing account terms consumer including repayment outstanding balance provided tila sec amends tila prohibit creditor consumer reporting agency pay closure consumer credit card account open end consumer credit plan negatively impact consumer credit score consumer report consumer pays outstanding account balance days receiving notice imposition new fee sec imposes limited moratorium apr fee finance charge increases beginning date enactment act prohibits creditor moratorium period increasing apr fee finance charge applicable outstanding balance credit card account open end consumer credit plan changing repayment terms outstanding balance permitted tila ends moratorium months february date enactment credit_card_accountability_responsibility disclosure act


Summary: Bereaved Consumer's Bill of Rights Act of 2010 - Directs the Federal Trade Commission (FTC) to prescribe rules prohibiting unfair or deceptive acts or practices in the provision of funeral goods or services.  Includes among such rules: (1) a requirement that price information be disclosed clearly and conspicuously; (2) a prohibition on misrepresentations or conditioning the provision of goods or services upon the purchase of other goods or services from the provider; (3) a requirement that any presale disclosures and contracts are written clearly, stating the merchandise, services, and prices and disclosing any penalties for canceling or transferring a contract; (4) a requirement that cemeteries provide to consumers all written rules and regulations of the cemetery and all material terms and conditions of purchase; and (5) a requirement that cemeteries retain all records in existence on the date of enactment of this Act and accurately record and retain records of interments, inurnments, or entombments. Applies such rules to states or political subdivisions and tax-exempt organizations.  Excludes cemeteries organized, operated, managed, and owned by a  religious organization and that are not affiliated with a for-profit provider offering funeral goods and services for sale to the public. Gives standing to states to bring a civil action for violations of this Act.

consumer bill rights act directs federal_trade_commission ftc prescribe rules prohibiting unfair deceptive acts practices provision funeral goods services includes rules requirement price information disclosed clearly conspicuously prohibition misrepresentations conditioning provision goods services purchase goods services provider requirement disclosures contracts written clearly stating merchandise services prices disclosing penalties canceling transferring contract requirement cemeteries provide consumers written rules regulations cemetery material terms conditions purchase requirement cemeteries retain records existence date enactment act accurately record retain records applies rules states political subdivisions tax exempt organizations excludes cemeteries organized operated managed owned religious organization affiliated profit provider offering funeral goods services sale public gives standing states bring civil action violations act


Summary: Amends the Fair Credit Reporting Act with respect to the duties of users of consumer reports who take adverse actions on the basis of information contained in such reports. Excludes any health care practice, accounting practice, or legal practice with 20 or fewer employees from the meaning of creditor subject to Red Flag Guidelines regarding identity theft promulgated by the proper federal financial regulatory agency. Excludes any other business which the Federal Trade Commission (FTC) determines: (1) knows all its customers or clients individually; (2) only performs services in or around the residences of its customers; or (3) has not experienced incidents of identity theft, and identity theft is rare for businesses of that type. States that such exclusion shall no longer apply to any business that can no longer meet such eligibility criteria.

amends fair credit reporting act respect duties users consumer reports adverse actions basis information contained reports excludes health care practice accounting practice legal practice fewer employees meaning creditor subject red flag guidelines identity theft promulgated proper federal financial regulatory agency excludes business federal_trade_commission ftc determines knows customers clients individually performs services residences customers experienced incidents identity theft identity theft rare businesses type states exclusion shall longer apply business longer meet eligibility criteria


Summary: Natural Hazards Risk Reduction Act of 2010 - Title I: Earthquakes - (Sec. 101) National Earthquake Hazards Reduction Program Reauthorization Act of 2010 - Amends the Earthquake Hazards Reduction Act of 1977 to revise and reauthorize the National Earthquake Hazards Reduction Program through FY2014. Repeals provisions establishing the Interagency Coordinating Committee on Earthquake Hazards Reduction and an associated advisory committee. Revises responsibilities of Program agencies, including by making: (1) the National Institute of Standards and Technology (NIST) responsible for research and development to improve building standards and practices; (2) the Federal Emergency Management Agency (FEMA), consistent with its all hazards approach, responsible for facilitating the adoption of model building codes; (3) the United States Geological Survey (USGS) responsible for providing real-time earthquake information; and (4) the National Science Foundation (NSF) responsible for funding basic research. Makes NIST (currently, USGS) responsible for organizing investigations under the post-earthquake investigations program. (Sec. 106) Includes within the authorization of appropriations for USGS funding for completion of the Advanced National Seismic Research and Monitoring System. Title II: Wind - (Sec. 201) National Windstorm Impact Reduction Reauthorization Act of 2010 - Amends the National Windstorm Impact Reduction Act of 2004 to revise and reauthorize the National Windstorm Impact Reduction Program through FY2014. Repeals provisions requiring the Director of the Office of Science and Technology Policy to establish an Interagency Working Group responsible for the planning, management, and coordination of the Program. Designates NIST as the lead agency and sets forth revised responsibilities of NIST and the other Program agencies: FEMA, NSF, and the National Oceanic and Atmospheric Administration (NOAA). Title III: Interagency Coordinating Committee on Natural Hazards Risk Reduction - (Sec. 301) Establishes an Interagency Coordinating Committee on Natural Hazards Risk Reduction, chaired by the Director of NIST, to oversee the planning and coordination of the National Earthquake Hazards Reduction Program, the National Windstorm Impact Reduction Program, and other federal research for natural hazard mitigation that the Committee considers appropriate. Requires: (1) the Committee to develop strategic plans and coordinated budgets for such Programs; and (2) the Director to establish an Advisory Committee on Earthquake Hazards Reduction, an Advisory Committee on Windstorm Impact Reduction, and other advisory committees to mitigate the impact of natural disasters, as necessary. Directs the Advisory Committee on Earthquake Hazards Reduction and the Advisory Committee on Windstorm Impact Reduction to offer assessments on: (1) trends and developments in the natural, social, and engineering sciences and practices of earthquake hazards or windstorm impact mitigation; (2) the priorities of the Programs' strategic plans; (3) the coordination of the Programs; and (4) any revisions to the Programs which may be necessary. Requires the Advisory Committees to report to the Director of NIST at least every two years with their recommendations. Requires the Subcommittee on Disaster Reduction of the Committee on Environment and Natural Resources of the National Science and Technology Council to report to Congress identifying: (1) current federal research, development, and technology transfer activities that address hazard mitigation for natural disasters, including earthquakes, hurricanes, tornadoes, wildfires, and floods and the current budgets for these activities; (2) areas of research that are common to two or more of those hazards; and (3) opportunities to create synergies between the research activities for such hazards. Title IV: National Construction Safety Team Act Amendments - (Sec. 401) Amends the National Construction Safety Team Act to authorize safety teams to be established for deployment after events causing the failure of infrastructure, as well as buildings, leading to a substantial loss of life. Grants the Director of NIST 72 hours to decide whether to deploy a Construction Safety Team. Grants priority, with respect to an investigation relating to an infrastructure failure, to the federal agency with primary jurisdiction over the failed infrastructure that is conducting an investigation and that asserts priority over the Team investigation, but provides that such priority shall not otherwise affect the Team's authority to continue its investigation under the Act. Title V: Fire Research Program - (Sec. 501) Amends the National Institute of Standards and Technology Act to include among the types of fires subject to the Fire Research Center's research program fires at the wildland-urban interface.

natural hazards risk reduction act title earthquakes sec national earthquake hazards reduction program reauthorization act amends earthquake hazards reduction act revise reauthorize fy2014 repeals provisions establishing interagency_coordinating_committee earthquake hazards reduction associated advisory committee revises responsibilities program agencies including making national_institute_of_standards_and_technology nist responsible research development improve building standards practices federal_emergency_management_agency fema consistent hazards approach responsible facilitating adoption model building codes united_states_geological survey usgs responsible providing real time earthquake information national_science_foundation nsf responsible funding basic research makes nist currently usgs responsible organizing investigations post earthquake investigations program sec includes authorization appropriations usgs funding completion monitoring system title wind sec national windstorm impact reduction reauthorization act amends national windstorm impact reduction act revise reauthorize national_windstorm_impact_reduction_program fy2014 repeals provisions requiring director office_of_science_and_technology_policy establish interagency_working_group responsible planning management coordination program designates nist lead agency sets forth revised responsibilities nist program agencies fema nsf national_oceanic_and_atmospheric_administration noaa title iii interagency coordinating committee natural hazards risk reduction sec establishes interagency coordinating committee natural hazards risk reduction chaired director nist oversee planning coordination national_windstorm_impact_reduction_program federal research natural hazard mitigation committee considers appropriate requires committee develop strategic plans coordinated budgets programs director establish advisory_committee earthquake hazards reduction advisory_committee windstorm impact reduction advisory committees mitigate impact natural disasters necessary directs offer assessments trends developments natural social engineering sciences practices earthquake hazards windstorm impact mitigation priorities programs strategic plans coordination programs revisions programs necessary requires advisory committees report director nist years recommendations requires report congress identifying current federal research development technology transfer activities address hazard mitigation natural disasters including earthquakes hurricanes wildfires floods current budgets activities areas research common hazards opportunities create research activities hazards title sec amends authorize safety teams established deployment events causing failure infrastructure buildings leading substantial loss life grants director nist hours decide deploy grants priority respect investigation relating infrastructure failure federal agency primary jurisdiction failed infrastructure conducting investigation asserts priority team investigation provides priority shall affect team authority continue investigation act title fire research program sec amends national_institute_of_standards_and_technology_act include types fires subject research program fires wildland urban interface


Summary: Overdraft Protection Act of 2009 - Amends the Truth in Lending Act to prohibit a depository institution from engaging in unfair or deceptive acts or practices in connection with overdraft coverage, or in acts designed to evade the provisions of this Act. Requires each depository institution that provides overdraft coverage for transaction accounts to clearly and conspicuously disclose overdraft coverage fees. Subjects overdraft coverage fees to the consumer's written, electronic, or other consent. Requires a depository institution to provide specified consumer disclosures regarding its overdraft protection program, including: (1) periodic statements for any transaction account that has an overdraft coverage program feature; and (2) prompt notification of the account's overdraft status. Prescribes overdraft coverage fee limits. Prohibits an overdraft coverage fee if the overdraft results solely from a debit hold amount that exceeds the actual dollar amount of the transaction. Requires a depository institution to provide consumers who have not consented to participate in an overdraft coverage program transaction accounts with the same terms as those provided to consumers who have consented to participate in such program. Prohibits a depository institution from charging a non-sufficient fund fee for any transaction at an automated teller machine, or a debit card transaction. Prohibits a depository institution from reporting negative information regarding consumer use of overdraft coverage to any consumer reporting agency when the overdraft amounts and coverage fees are paid under the terms of an overdraft coverage program.

amends truth lending act prohibit depository institution engaging unfair deceptive acts practices connection overdraft coverage acts designed evade provisions act requires depository institution provides overdraft coverage transaction accounts clearly conspicuously disclose overdraft coverage fees subjects overdraft coverage fees consumer written electronic consent requires depository institution provide specified consumer disclosures overdraft protection program including periodic statements transaction account overdraft coverage program feature prompt notification account overdraft status prescribes overdraft coverage fee limits prohibits overdraft coverage fee overdraft results solely debit hold exceeds actual dollar transaction requires depository institution provide consumers consented participate overdraft coverage program transaction accounts terms provided consumers consented participate program prohibits depository institution charging non sufficient fund fee transaction automated teller machine debit card transaction prohibits depository institution reporting negative information consumer use overdraft coverage consumer reporting agency overdraft amounts coverage fees paid terms overdraft coverage program


Summary: Truth in Lending Clarification Act of 2009 - Amends the Truth in Lending Act concerning the mandatory 45-day advance notice of significant changes (including rate increases) under an open end consumer credit plan. Declares that such requirement does not prevent a creditor from putting into effect immediately any reduction in an annual percentage rate (APR), any decrease or elimination of any fee imposed upon a consumer, or any significant change in terms solely or primarily for the benefit of the consumer.

truth lending clarification act amends truth lending act concerning mandatory day advance notice significant changes including rate increases open end consumer credit plan declares requirement prevent creditor putting effect immediately reduction annual percentage rate apr decrease elimination fee imposed consumer significant change terms solely primarily benefit consumer


Summary: Restoring America's Commitment to Consumers Act of 2009 - Amends the Truth in Lending Act to prohibit the annual percentage rate (APR) applicable to an extension of credit on a credit card account under an open end consumer credit plan from exceeding 16%. Includes in an APR any compensation fee (including a membership fee or an annual fee) for: (1) opening or maintaining the account; (2) granting an extension of credit; or (3) making available a line of credit. Authorizes the Board of Governors of the Federal Reserve System to make adjustments to the maximum APR limitation; but creates the presumption that any increase by the Board to the maximum limitation is not in the public interest unless severe economic conditions justify the increase. Prohibits construction of this Act as an endorsement by Congress of a 16% APR. Declares the intention of Congress that: (1) such maximum APR limitation should merely serve as a ceiling on consumer credit cards and few, if any, consumer credit card accounts would ever bear the maximum rate; and (2) consumer credit card issuers should strive to maintain APRs most advantageous to borrowers. Treats as an unfair or deceptive act or practice a credit card account which, as of December 11, 2009, bears an APR that is less than 16%, and subsequently increases it between December 11, 2009, and 60 days after enactment of this Act. Imposes a $15 cap upon certain credit card account fees, including fees (such as late fees, overdraft fees, or over-the-limit transaction fees) for borrower default or breach of any condition upon which credit was extended.

commitment consumers act amends truth lending act prohibit annual percentage rate apr applicable extension credit credit card account open end consumer credit plan exceeding includes apr compensation fee including membership fee annual fee opening maintaining account granting extension credit making available line credit authorizes board_of_governors federal_reserve_system adjustments maximum apr limitation creates presumption increase board maximum limitation public interest severe economic conditions justify increase prohibits construction act endorsement congress apr declares intention congress maximum apr limitation merely serve ceiling consumer credit cards consumer credit card accounts bear maximum rate consumer credit card issuers strive maintain aprs advantageous borrowers treats unfair deceptive act practice credit card account december bears apr subsequently increases december days enactment act imposes cap certain credit card account fees including fees late fees overdraft fees limit transaction fees borrower default breach condition credit extended


Summary: Amends the Internal Revenue Code to deny a tax deduction for expenses related to advertising primarily directed at children to promote the consumption by children of food from any fast food restaurant or of poor nutritional quality. Defines "food of poor nutritional quality" as food that is determined by the Secretary of the Treasury (in consultation with the Secretary of Health and Human Services [HHS] and the Federal Trade Commission [FTC]) to provide calories primarily through fats or added sugars and to have minimal amounts of vitamins and minerals.

amends internal revenue code deny tax deduction expenses related advertising primarily directed children promote consumption children food fast food restaurant poor nutritional quality defines food poor nutritional quality food determined secretary treasury consultation secretary health_and_human_services hhs federal_trade_commission ftc provide calories primarily fats added sugars minimal amounts vitamins minerals


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

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


Summary: BPA-Free Kids Act of 2009 - Defines "children's food or beverage container" as any container, except a metal can, that is: (1) designed or intended to be filled with any liquid, food, or beverage primarily for consumption from that container by children three years old or younger; and (2) sold or distributed at retail without containing any liquid, food, or beverage. Requires that any children's food or beverage container that is composed in whole or in part of bisphenol A (BPA) be treated as a banned hazardous substance under the Federal Hazardous Substances Act. Grants the Consumer Product Safety Commission (CPSC) jurisdiction over, and authority to enforce, the provisions of this Act, notwithstanding: (1) specified provisions of various Acts; and (2) a specified memorandum of understanding between the CPSC and the Food and Drug Administration (FDA). Requires suppliers and manufacturers to test for BPA plastic resins used in the manufacture and distribution of children's food and beverage containers to ensure that the plastic resins in children's food and beverage containers do not contain BPA. Requires suppliers to certify to manufacturers that plastic resins do not contain BPA. Imposes labeling and advertising requirements. Allows nonconflicting state and subdivision laws. Requires research to increase understanding of the health effects of BPA exposure in all age groups and in pregnant women.

bpa free kids act defines children food beverage container container metal designed intended filled liquid food beverage primarily consumption container children years old younger sold distributed retail containing liquid food beverage requires children food beverage container composed bisphenol bpa treated banned hazardous substance federal_hazardous_substances_act grants consumer product safety commission cpsc jurisdiction authority enforce provisions act notwithstanding specified provisions acts specified memorandum understanding cpsc food_and_drug_administration fda requires suppliers manufacturers test bpa plastic resins manufacture distribution children food beverage containers ensure plastic resins children food beverage containers contain bpa requires suppliers certify manufacturers plastic resins contain bpa imposes labeling advertising requirements allows state subdivision laws requires research increase understanding health effects bpa exposure age groups pregnant women


Summary: Guarantee of a Legitimate Deal Act of 2010 - Prohibits any purchaser of precious metals from: (1) selling, transfering to a third party, or refining through melting or otherwise permanently destroying an item of jewelry or precious metal before the purchaser has received an affirmative acceptance of an offer to purchase the item from the consumer at a specific price; (2) failing to promptly return any jewelry or other precious metal if the consumer declines the offer; or (3) failing to adequately insure any return shipment. Exempts a sale or transfer to law enforcement agencies. Deems a violation of this Act as an unfair or deceptive act or practice under the Federal Trade Commission Act.  Gives the Federal Trade Commission (FTC) authority to enforce these provisions. Makes this Act effective 60 days after enactment.

guarantee legitimate deal act prohibits purchaser precious metals selling party refining permanently destroying item jewelry precious metal purchaser received affirmative acceptance offer purchase item consumer specific price failing promptly return jewelry precious metal consumer declines offer failing adequately insure return shipment exempts sale transfer law enforcement agencies deems violation act unfair deceptive act practice federal_trade_commission_act ftc authority enforce provisions makes act effective days enactment


Summary: Amends the Internal Revenue Code to deny business taxpayers whose gross receipts exceeded $100 million in the preceding taxable year a tax deduction for expenses incurred for advertising anything other than a service or product.

amends internal revenue code deny business taxpayers gross receipts exceeded million preceding taxable year tax deduction expenses incurred advertising service product


Summary: Consumers Have Options for Molar Protection Act of 2009 or the CHOMP Act of 2009 - Amends the Federal Food, Drug, and Cosmetic Act to require a dentist: (1) before performing any dental restoration work, to provide the patient with a fact sheet developed by the Secretary of Health and Human Services (HHS) and obtain the patient's signature acknowledging receipt of that sheet; and (2) to place a copy of the signed acknowledgment in the patient's record.Directs the Secretary to: (1) develop and periodically review and update, as scientifically warranted, such fact sheet, describing and comparing the risks and efficacy of the various types of dental restorative materials that may be used to repair a patient's oral condition or defect; and (2) make the fact sheet available to all licensed dentists in the United States. Establishes a $5,000 fine for violations, with the number of violations calculated by multiplying $5,000 by the number of restorative materials placed into a patient's mouth in violation of this Act. Requires the Secretary, through the Commissioner of Food and Drugs, to develop text describing the health risks associated with dental restorative material, to be included in its labeling. Considers such material to be misbranded if its labeling fails to include such text.

consumers act amends cosmetic act require dentist performing dental restoration work provide patient fact sheet developed secretary health_and_human_services hhs obtain patient signature acknowledging receipt sheet place copy signed acknowledgment patient record directs secretary develop periodically review update scientifically warranted fact sheet describing comparing risks efficacy types dental restorative materials repair patient oral condition defect fact sheet available licensed dentists united_states establishes fine violations number violations calculated multiplying number restorative materials placed patient mouth violation act requires secretary commissioner food_and_drugs develop text describing health risks associated dental restorative material included labeling considers material misbranded labeling fails include text


Summary: Credit Card Cosigner Protection Act of 2010 - Amends the Truth in Lending Act to require the creditor or lessor to provide to each obligor involved in a consumer credit transaction or consumer lease all disclosures required under such Act.

amends truth lending act require creditor lessor provide obligor involved consumer credit transaction consumer lease disclosures required act


Summary: Amends the Consumer Product Safety Improvement Act to exempt ordinary books and paper-based printed materials from the lead limits on children's products. Defines "ordinary books" as books published on paper or cardboard, printed by conventional publishing methods, intended to be read, and lacking inherent play value.

amends consumer product safety improvement act exempt ordinary books paper based printed materials lead limits children products defines ordinary books books published paper printed conventional publishing methods intended read lacking inherent play value


Summary: Ticket Act - Makes it unlawful for any: (1) ticket issuer to prohibit or restrict the resale or offering for resale of an event ticket by a lawful possessor; and (2) person to engage in the primary or resale market for event ticket sales without complying with the consumer protection minimum standards specified in this Act. Treats a violation of such prohibitions as an unfair or deceptive act or practice under the Federal Trade Commission Act. Provides for state enforcement of such prohibitions. Prohibits state action during the pendency of an enforcement action by the Federal Trade Commission (FTC). Exempts from such prohibitions resale restrictions imposed by: (1) sponsors or promoters of charitable events for which all tickets are distributed without charge; and (2) not-for-profit educational institutions for athletic events involving their athletes or teams with respect to tickets initially distributed to students, faculty, staff, or alumni without charge, or to members of bona fide booster organizations.

ticket act makes unlawful ticket issuer prohibit restrict resale offering resale event ticket lawful person engage primary resale market event ticket sales complying consumer protection minimum standards specified act treats violation prohibitions unfair deceptive act practice federal_trade_commission_act provides state enforcement prohibitions prohibits state action pendency enforcement action federal_trade_commission ftc exempts prohibitions resale restrictions imposed sponsors promoters charitable events tickets distributed charge profit educational institutions athletic events involving athletes teams respect tickets initially distributed students faculty staff alumni charge members bona fide booster organizations


Summary: Free Speech About Science Act of 2010 - Amends the Federal Food, Drug, and Cosmetic Act to allow food producers to make a disease or health-related claim about a food if such claim is based on legitimate scientific research. Requires such a claim to: (1) be stated so that it is an accurate, balanced summary of such research and enables the public to comprehend the information provided in the claim and the relative significance of such information in the context of a total daily diet; and (2) identify each party that funded research to support the claim. Allows a disease or health-related statement for a dietary supplement if: (1) the statement claims to diagnose, treat, cure, or prevent a specific disease or class of diseases, based on legitimate scientific research; (2) the manufacturer of the supplement has substantiation that such statement is truthful and not misleading; and (3) the health claim includes a citation to the research supporting such claim and identifies each party that funded such research. Prohibits the Secretary of Health and Human Services (HHS) from restricting the distribution of information that is not false or misleading and that is based on legitimate scientific research in connection with the sale of food.

free speech science act amends cosmetic act allow food producers disease health related claim food claim based legitimate scientific research requires claim stated accurate balanced summary research enables public information provided claim relative significance information context total daily diet identify party funded research support claim allows disease health related statement dietary supplement statement claims diagnose treat cure prevent specific disease class diseases based legitimate scientific research manufacturer supplement substantiation statement truthful misleading health claim includes citation research supporting claim identifies party funded research prohibits secretary health_and_human_services hhs restricting distribution information false misleading based legitimate scientific research connection sale food


Summary: Electronic Check Parity Act of 2010 - Finds electronic debit transactions serve as a functional replacement for check transactions. Grants the Board of Governors of the Federal Reserve System authority to promulgate rules regarding any interchange transaction fee charged with respect to an electronic debit transaction. Permits the Board to exempt from such rules any financial institutions, including those regulated by the National Credit Union Administration (NCUA), that, together with affiliates, have assets of less than $1 billion. Amends the Truth in Lending Act to prohibit a credit card network from inhibiting the ability of any person to: (1) set a minimum or maximum dollar value for such person's acceptance of any form of payment; or (2) offer a discount, benefit, or anything else of value to customers in order to create an incentive for them to pay such person using a form of payment that carries lower transaction fees or costs (limitation on credit card network restrictions). Defines "credit card network"' as an entity that directly, or through licensed members, processors, or agents, provides the proprietary services, infrastructure, and software that route information and data to facilitate transaction authorization, clearance, and settlement that a person must access in order to accept a specific brand of general-purpose credit card as payment for goods or services.

electronic check parity act finds electronic debit transactions serve functional replacement check transactions federal_reserve_system authority promulgate rules interchange transaction fee charged respect electronic debit transaction permits board exempt rules financial institutions including regulated national_credit_union_administration ncua affiliates assets billion amends truth lending act prohibit credit card network ability person set minimum maximum dollar value person acceptance form payment offer discount benefit value customers order create incentive pay person form payment carries lower transaction fees costs limitation credit card network restrictions defines credit card network entity directly licensed members processors agents provides proprietary services infrastructure software route information data facilitate transaction authorization clearance settlement person access order accept specific brand general purpose credit card payment goods services


Summary: Safe Highway Markings Act of 2010 - Prescribes minimum standards for engineered glass beads used in reflective markings, limiting the arsenic content to 200 parts per million. Requires states that receive certain federal-aid highway funds to ensure that any new application of reflective markings on or along federal-aid highway roads or highways be made from a binder that has been mixed, in whole or in part, with engineered glass beads. Requires the Secretary of Transportation, acting through the Administrator of the Federal Highway Administration (FHWA), to withhold up to 5% of the apportionment of funds for any state that does not comply with such standards.

safe highway markings act prescribes minimum standards engineered glass beads reflective markings limiting arsenic content parts million requires states receive certain federal aid highway funds ensure new application reflective markings federal aid highway roads highways binder mixed engineered glass beads requires secretary transportation acting administrator federal_highway_administration fhwa withhold apportionment funds state comply standards


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

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


Summary: Identity Theft Improvement Act of 2010 - Amends the federal criminal code to eliminate the requirement in a prosecution for identity theft that the prosecution must prove that the defendant knew that the stolen identification documents belonged to another person.

amends federal criminal code eliminate requirement prosecution identity theft prosecution prove defendant knew stolen identification documents person


Summary: Digital Goods and Services Tax Fairness Act of 2010 - Prohibits a state or local jurisdiction from imposing multiple or discriminatory taxes on or with respect to the sale or use of digital goods or services delivered or transferred electronically to a customer. Restricts taxation of digital goods and services to the retail sale of such goods and services and by the jurisdiction encompassing a customer's tax address. Prohibits the use of existing regulations or administrative rulings relating to the taxation of tangible personal property or other services to impose any tax on the sale or use of digital goods or services. Prohibits taxation on or with respect to the sale or use of digital medical, education, or energy management services. Provides that if charges for digital goods and services are not separately stated from charges for other goods or services, the charges for digital goods and services may be taxed at the same rate and on the same basis as charges for other goods and services unless the seller can reasonably identify the charges for digital goods and services from its business records. Grants jurisdiction to federal district courts to prevent a violation of this Act. Expresses the sense of Congress that each state shall take reasonable steps to prevent multiple taxation of digital goods and services where a foreign country has imposed a tax on such goods and services.

digital_goods services tax fairness act prohibits state local jurisdiction imposing multiple discriminatory taxes respect sale use digital goods services delivered transferred electronically customer restricts taxation digital goods services retail sale goods services jurisdiction encompassing customer tax address prohibits use existing regulations administrative rulings relating taxation tangible personal property services impose tax sale use digital goods services prohibits taxation respect sale use digital medical education energy management services provides charges digital goods services separately stated charges goods services charges digital goods services taxed rate basis charges goods services seller reasonably identify charges digital goods services business records grants jurisdiction federal district courts prevent violation act expresses sense congress state shall reasonable steps prevent multiple taxation digital goods services foreign country imposed tax goods services


Summary: Stop Deceptive Advertising for Women's Services Act - Requires the Federal Trade Commission (FTC) to: (1) promulgate rules prohibiting, as unfair and deceptive acts or practices, persons from advertising with the intent to deceptively create the impression that such persons provide abortion services if such persons do not provide such services; and (2) enforce violations of such rules as unfair methods of competition and unfair or deceptive acts or practices in or affecting commerce.

stop deceptive advertising women services act requires federal_trade_commission ftc promulgate rules prohibiting unfair deceptive acts practices persons advertising intent deceptively create impression persons provide abortion services persons provide services enforce violations rules unfair methods competition unfair deceptive acts practices affecting commerce


Summary: Mercury Reduction and Energy Security Act of 2010 - Amends the Clean Air Act to require affected units (coal-fired electric steam generating units that have nameplate capacities greater than 25 megawatts and generate electricity for sale) to reduce mercury emissions by the less stringent limitation of: (1) 80% capture of inlet mercury or an emission rate of 1.6 pounds of mercury per trillion British thermal units (Btu) of input coal for the period beginning on January 1, 2012, and ending December 31, 2014; and (2) 90% capture of inlet mercury or an emission rate of 0.8 pounds of mercury per trillion Btu of input coal by 2015 and each year thereafter. Specifies methods that owners or operators of affected units are required to use as reference methods in calibrating the instruments used to measure the mercury concentrations in emissions from affected units. Establishes excess emissions penalties for mercury. Sets forth compliance provisions. Authorizes: (1) owners or operators of affected units that fail to achieve such limitations to request an alternate emission limitation; (2) the Administrator of the Environmental Protection Agency (EPA) to establish alternate limitations if the Administrator determines that the owner or operator has properly installed and operated continuous emissions monitoring system and control technology designed to achieve such limitations and is unable to achieve such limitations; and (3) the Administrator, after granting alternate limitations, to impose more stringent emissions limitations in subsequent years. Makes such alternate limitations effective January 1, 2015. Provides that this Act supersedes any other requirement in such Act with regard to the emission of mercury from electric utility steam generating units.

amends clean air act require affected units coal fired electric steam generating units nameplate capacities greater megawatts generate electricity sale reduce mercury emissions stringent limitation capture inlet mercury emission rate pounds mercury trillion british thermal units btu input coal period beginning january ending december capture inlet mercury emission rate pounds mercury trillion btu input coal year specifies methods owners operators affected units required use reference methods instruments measure mercury concentrations emissions affected units establishes excess emissions penalties mercury sets forth compliance provisions authorizes owners operators affected units fail achieve limitations request alternate emission limitation administrator environmental_protection_agency epa establish alternate limitations administrator determines owner operator properly installed operated continuous emissions monitoring system control technology designed achieve limitations unable achieve limitations administrator granting alternate limitations impose stringent emissions limitations subsequent years makes alternate limitations effective january provides act supersedes requirement act regard emission mercury electric utility steam generating units


Summary: Restore Online Shoppers' Confidence Act - Defines "post-transaction third party seller" as a person that: (1) sells, or offers for sale, any good or service on the Internet; (2) solicits purchases on the Internet through an initial merchant after the consumer has initiated a transaction with the initial merchant; and (3) is not a subsidiary or corporate affiliate of the initial merchant. Makes it unlawful for any post-transaction third party seller to charge or attempt to charge any consumer's credit card, debit card, bank account, or other financial account in an Internet-based transaction, unless: (1) before obtaining the consumer's billing information, the seller has disclosed all material terms, including the fact that the seller is not affiliated with the initial merchant; and (2) the seller has received the express informed consent. Makes it unlawful for an initial merchant to disclose such financial account number or other billing information to any such seller (sometimes referred to as a data-pass). Makes it unlawful, subject to exception, for any person to charge or attempt to charge a consumer for goods or services sold in an Internet-based transaction through a "negative option feature." Defines "negative option feature" as a provision under which the customer's failure to take an affirmative action to reject goods or services or to cancel the agreement is interpreted by the seller as acceptance of the offer. Prohibits construing this Act to supersede or otherwise affect the Electronic Fund Transfer Act or any regulation thereunder. Treats a violation of this Act or any regulation thereunder as an unfair or deceptive act or practice. Requires the Federal Trade Commission (FTC) to enforce this Act. Authorizes any state attorney general to bring an action on behalf of the state's residents to enjoin further violation, to compel compliance with this Act, to obtain damages, or to obtain other appropriate relief.

restore online confidence act defines post transaction party seller person sells offers sale good service internet solicits purchases internet initial merchant consumer initiated transaction initial merchant subsidiary corporate affiliate initial merchant makes unlawful post transaction party seller charge attempt charge consumer credit card debit card bank account financial account internet based transaction obtaining consumer billing information seller disclosed material terms including fact seller affiliated initial merchant seller received express informed consent makes unlawful initial merchant disclose financial account number billing information seller referred data pass makes unlawful subject exception person charge attempt charge consumer goods services sold internet based transaction negative option feature defines negative option feature provision customer failure affirmative action reject goods services cancel agreement interpreted seller acceptance offer prohibits construing act supersede affect electronic fund transfer act regulation treats violation act regulation unfair deceptive act practice requires federal_trade_commission ftc enforce act authorizes state attorney general bring action behalf state residents enjoin violation compel compliance act obtain damages obtain appropriate relief


Summary: Building Effective Strategies To Promote Responsibility Accountability Choice Transparency Innovation Consumer Expectations and Safeguards Act or the BEST PRACTICES Act - Defines "covered entity" as a person engaged in interstate commerce that collects or stores data containing covered or sensitive information (information), excluding: (1) federal, state, and local governments; or (2) any person that stores covered information from or about fewer than 15,000 individuals, collects covered information from or about fewer than 10,000 individuals during any 12-month period, does not collect or store sensitive information, and does not use covered information to monitor or analyze the behavior of individuals as the person's primary business. Requires a covered entity to make available to individuals whose information it collects or maintains information about its information privacy practices and an individual's options with regard to such practices, including: (1) the covered entity's identity; (2) a description of, the purposes for, and potential disclosure of such information; and (3) the individual's means to access the information and limit its collection, use, and disclosure. Prohibits a covered entity from: (1) collecting, using, or disclosing information unless it provides the information in concise and easy-to-understand notices in accordance with regulations issued by the Federal Trade Commission (FTC) (excludes trade secrets and in-person transactions from such notice requirements); (2) collecting or using information about an individual without the individual's consent (which may be granted affirmatively or by not declining consent after appropriate notification); and (3) disclosing information about an individual to a third party unless the covered entity has received affirmative consent from the individual prior to the disclosure. Requires a covered entity to assure information accuracy, including by providing an individual with information access and dispute resolution procedures. Requires each covered entity and service provider to ensure information security, integrity, and confidentiality. Exempts a covered entity that participates in one or more FTC-approved self-regulatory programs (Choice Program) from: (1) the requirements for express affirmative consent required for information use pursuant to a Choice Program; (2) the requirement of access to information; and (3) private right of action liability. Provides and specifies the conditions for FTC, state, and private rights of enforcement.

building effective strategies promote responsibility accountability choice transparency innovation consumer expectations best practices act defines covered entity person engaged interstate commerce collects stores data containing covered sensitive information information excluding federal state local governments person stores covered information fewer individuals collects covered information fewer individuals month period collect store sensitive information use covered information monitor analyze behavior individuals person primary business requires covered entity available individuals information collects maintains information information privacy practices individual options regard practices including covered entity identity description purposes potential disclosure information individual means access information limit collection use disclosure prohibits covered entity collecting disclosing information provides information concise easy understand notices accordance regulations issued federal_trade_commission ftc excludes trade secrets person transactions notice requirements collecting information individual individual consent granted affirmatively declining consent appropriate notification disclosing information individual party covered entity received affirmative consent individual prior disclosure requires covered entity assure information accuracy including providing individual information access dispute resolution procedures requires covered entity service provider ensure information security integrity confidentiality exempts covered entity participates ftc approved self regulatory programs requirements express affirmative consent required information use pursuant requirement access information private right action liability provides specifies conditions ftc state private rights enforcement


Summary: Safe Cosmetics Act of 2010 - Amends the Federal Food, Drug, and Cosmetic Act to expand the regulation of cosmetics, including to require: (1) annual registration of any establishment engaged in manufacturing, packaging, or distributing cosmetics for use in the United States; (2) new fees to provide for oversight and enforcement of cosmetics regulations; (3) ingredient labeling and disclosure of information on ingredients; and (4) adverse event reporting. Requires the Secretary to: (1) establish a list of prohibited or restricted ingredients and a list of ingredients that are safe without limits for use in cosmetics; and (2) develop a priority assessment list of ingredients that cannot be included on either of the other two lists because of a lack of authoritative information on the safety of the ingredient; and (3) establish minimum data requirements and test protocols to be used by manufacturers to assess the safety of cosmetic ingredients. Sets forth provisions related to: (1) nanotechnology in the formulation of cosmetics; (2) the voluntary and mandatory recall of cosmetics; and (3) alternatives to animal testing. Establishes the Interagency Council on Cosmetic Safety to share data and promote collaboration on cosmetic safety among federal agencies. Deems a cosmetic that fails to meet the requirements set forth by this Act to be adulterated. Deems a cosmetic that fails to meet the labeling requirements under this Act to be misbranded. Requires the Secretary of Labor to promulgate an occupational safety and health standard that requires an expanded material safety data sheet to be made available to cosmetics distributors and employers using such products for professional use.

safe cosmetics act amends cosmetic act expand regulation cosmetics including require annual registration establishment engaged manufacturing packaging distributing cosmetics use united_states new fees provide oversight enforcement cosmetics regulations ingredient labeling disclosure information ingredients adverse event reporting requires secretary establish list prohibited restricted ingredients list ingredients safe limits use cosmetics develop priority assessment list ingredients included lists lack authoritative information safety ingredient establish minimum data requirements test protocols manufacturers assess safety cosmetic ingredients sets forth provisions related nanotechnology formulation cosmetics voluntary mandatory recall cosmetics alternatives animal testing establishes interagency council cosmetic safety share data promote collaboration cosmetic safety federal agencies deems cosmetic fails meet requirements set forth act adulterated deems cosmetic fails meet labeling requirements act misbranded requires secretary labor promulgate occupational safety health standard requires expanded material safety data sheet available cosmetics distributors employers products professional use


Summary: Seniors Financial Fraud Prevention Act of 2010 - Establishes a separate office within the Federal Trade Commission (FTC) for the prevention of fraud targeting seniors and requires the office to assist the FTC in monitoring the market for mail, telemarketing, television, and Internet fraud which targets seniors. Requires the FTC through such office: (1) to disseminate to seniors and their families and caregivers information on mail, telemarketing, television, and Internet fraud targeting seniors, including on ways of referring complaints to appropriate law enforcement agencies; (2) in response to a request about a particular entity or individual, to provide publicly available information on any record of civil or criminal law enforcement action for such fraud; and (3) to maintain a website as a resource for such individuals on those kinds of fraud. Requires the FTC through such office to establish procedures to: (1) log and acknowledge complaints from individuals who certify that they believe they have been victims of mail, telemarketing, television, or Internet fraud; (2) provide certain information on those kinds of fraud; and (3) refer such complaints to appropriate entities, including state consumer protection agencies and entities and appropriate law enforcement agencies, for potential law enforcement action.

seniors financial fraud prevention act establishes separate office federal_trade_commission ftc prevention fraud targeting seniors requires office assist ftc monitoring market mail telemarketing television internet fraud targets seniors requires ftc office disseminate seniors families caregivers information mail telemarketing television internet fraud targeting seniors including ways referring complaints appropriate law enforcement agencies response request particular entity individual provide publicly available information record civil criminal law enforcement action fraud maintain website resource individuals kinds fraud requires ftc office establish procedures log acknowledge complaints individuals certify believe victims mail telemarketing television internet fraud provide certain information kinds fraud refer complaints appropriate entities including state consumer protection agencies entities appropriate law enforcement agencies potential law enforcement action


Summary: Toxic Metals Protection Act of 2010 - Prohibits the manufacture, sale, or distribution in commerce of any children's product containing specified levels of antimony, barium, cadmium, or chromium. Defines a "children's product" as a product designed or intended to be worn or used by a child 12 years of age or younger and sold or distributed at retail. Directs the Consumer Product Safety Commission (CPSC) to establish a measurement standard for antimony, barium, cadmium, or chromium that is comparable to the measurement standard currently used. Sets forth: (1) factors to determine whether a product is designed or intended for wear or use by such children; and (2) penalties for violations of such prohibition.

toxic metals protection act prohibits manufacture sale distribution commerce children product containing specified levels antimony barium chromium defines children product product designed intended worn child years age younger sold distributed retail directs consumer_product_safety_commission cpsc establish measurement standard antimony barium chromium comparable measurement standard currently sets forth factors determine product designed intended wear use children penalties violations prohibition


Summary: SEC Freedom of Information Restoration Act - Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act (the Act) to repeal the exemption from the disclosure requirements of the Freedom of Information Act granted to materials submitted to the Securities and Exchange Commission (SEC) under the Securities Exchange Act of 1934, the Investment Advisers Act of 1940, and the Investment Company Act of 1940. Restores or revives the provisions of law amended or repealed by the Act as if the Act had not been enacted.

dodd frank wall street reform consumer protection act act repeal exemption disclosure requirements freedom information act granted materials submitted securities_and_exchange_commission sec securities exchange act investment advisers act investment company act restores revives provisions law amended repealed act act enacted


Summary: Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act (the Act) to repeal the exemption from the disclosure requirements of the Freedom of Information Act granted to materials submitted to the Securities and Exchange Commission (SEC) under the Securities Exchange Act of 1934, the Investment Advisers Act of 1940, and the Investment Company Act of 1940. Restores or revives the provisions of law amended or repealed by the Act as if the Act had not been enacted.

amends dodd frank wall street reform consumer protection act act repeal exemption disclosure requirements freedom information act granted materials submitted securities_and_exchange_commission sec securities exchange act investment advisers act investment company act restores revives provisions law amended repealed act act enacted


Summary: Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act to repeal the requirement for regulations requiring each covered financial institution to disclose the structures of all incentive-based compensation arrangements it offers.

amends dodd frank wall street reform consumer protection act repeal requirement regulations requiring covered financial institution disclose structures incentive based compensation arrangements offers


Summary: E. coli Traceability and Eradication Act - Amends the the Federal Meat Inspection Act to require that specified slaughterhouses, processing establishments, and grinding facilities perform specified tests for the presence of Shiga toxin-producing E. coli in beef. Directs the Secretary of Agriculture (USDA) to make grants to assist certain slaughterhouses, processing establishments, and grinding facilities in complying with such requirements. Terminates grant assistance on December 1, 2013. Subjects imported trim, bench trim, and ground beef to the same testing requirements as domestic trim, bench trim, and ground beef. Defines "enteric foodborne pathogen" as live bacteriological matter that is commonly present in the digestive systems of animals for slaughter, including Shiga toxin-producing E. coli and salmonella, the presence of which in meat food products may indicate unsanitary conditions at the point of slaughter. Directs the Secretary to implement sampling protocols to enable the Food Safety and Inspection Service to rapidly trace potential adulteration and contamination of meat and meat food products by enteric foodborne pathogens to possible preceding sources of the adulteration and contamination, including preparation, packaging, and slaughtering establishments, to determine the original site source of the adulteration or contamination. Requires the Secretary: (1) if a meat or meat food product sample tests positive for adulteration or contamination by enteric foodborne pathogens, to conduct a trace to identify all sites of adulteration and contamination, including preparation, packaging, and slaughtering establishments, and to identify the original source of adulteration or contamination; and (2) if a raw ground meat sample tests positive for adulteration or contamination by enteric foodborne pathogens at a preparation, packaging, or slaughtering establishment, to require subsequent daily sampling at the establishment and any supplying establishments for a minimum of 15 consecutive days after the date on which the sample is collected.

coli traceability eradication act amends federal meat inspection act require specified processing establishments facilities perform specified tests presence toxin producing coli beef directs secretary agriculture usda grants assist certain processing establishments facilities complying requirements terminates grant assistance december subjects imported bench ground beef testing requirements domestic bench ground beef defines foodborne pathogen live matter commonly present systems animals slaughter including toxin producing coli salmonella presence meat food products indicate conditions point slaughter directs secretary implement sampling protocols enable food_safety_and_inspection_service rapidly trace potential adulteration contamination meat meat food products foodborne pathogens possible preceding sources adulteration contamination including preparation packaging slaughtering establishments determine original site source adulteration contamination requires secretary meat meat food product sample tests positive adulteration contamination foodborne pathogens conduct trace identify sites adulteration contamination including preparation packaging slaughtering establishments identify original source adulteration contamination raw ground meat sample tests positive adulteration contamination foodborne pathogens preparation packaging slaughtering establishment require subsequent daily sampling establishment supplying establishments minimum consecutive days date sample collected


Summary: Coin and Precious Metal Disclosure Act - Requires a coin or precious metal dealer to disclose clearly and conspicuously in writing to the consumer before any sale of coins (including gold coins) or precious metal bullion: (1) any fee incurred by the customer upon sale consummation; and (2) the purchase price, the melt value, and the reasonable resale value of the coin or precious metal bullion. Requires telephone sales solicitations for such coins or precious metal bullion to disclose the same information before the transaction is consummated. Treats a violation of this Act as an unfair or deceptive act or practice in violation of the Federal Trade Commission Act, and subject to penalties. Directs the Federal Trade Commission (FTC) to enforce this Act as though the Federal Trade Commission Act applies. Empowers states to enforce compliance with this Act, but entitles the FTC, upon notice of a state civil action, to intervene and be heard on all matters arising in it, remove it to the appropriate federal district court, and file petitions for appeal. Exempts from this Act the sale of rare and collectable coins whose: (1) precious metal content constitutes only a limited or insignificant portion of the overall value of the coin; and (2) value is not affected by the increase or decline in the value of such precious metals.

disclosure act requires coin precious metal dealer disclose clearly conspicuously writing consumer sale coins including gold coins precious metal bullion fee incurred customer sale consummation purchase price value reasonable resale value coin precious metal bullion requires telephone sales solicitations coins precious metal bullion disclose information transaction consummated treats violation act unfair deceptive act practice violation federal_trade_commission_act subject penalties directs federal_trade_commission ftc enforce act federal_trade_commission act applies empowers states enforce compliance act entitles ftc notice state civil action intervene heard matters arising remove appropriate federal district court file petitions appeal exempts act sale rare coins precious metal content constitutes limited portion overall value coin value affected increase decline value precious metals


Summary: Preventing Affinity Scams for Seniors Act of 2010 or PASS Act of 2010 - Defines "affinity scam" as a transaction in which a person trusted by a senior, such as a caregiver, relative, guardian, "new friend," or service provider, claims to share similar interests or values and establishes a relationship with the senior, then uses the relationship to defraud the senior. Requires each financial institution to: (1) educate its staff about affinity scams and how to identify transactions that may be part of an affinity scam; (2) train staff members on educating seniors about affinity scams; (3) provide senior depositors with educational materials on how to identify affinity scams; and (4) offer seniors a "senior protection (checking) account." Directs the Bureau of Consumer Financial Protection to: (1) issue implementing regulations; and (2) audit financial institutions periodically to ensure compliance with them. Sets forth senior protection account requirements, including protective measures to block and investigate transactions suspected of being an affinity scam. Instructs the Secretary of the Treasury to establish an income tax deduction of .77% of the average of the amount of deposits held by a financial institution in senior protection accounts. Subjects a noncompliant financial institution to a civil liability with respect to a senior who has sustained actual damage as a result of the institution's failure to comply with this Act. Directs the Secretary to require each financial institution, and each of its directors, officers, employees, or agents, to report any suspicious transaction relevant to a possible affinity scam.

preventing affinity scams seniors act pass act defines affinity scam transaction person trusted senior caregiver relative guardian new friend service provider claims share similar interests values establishes relationship senior uses relationship defraud senior requires financial institution educate staff affinity scams identify transactions affinity scam train staff members educating seniors affinity scams provide senior educational materials identify affinity scams offer seniors senior protection checking account directs bureau_of_consumer_financial_protection issue implementing regulations audit financial institutions periodically ensure compliance sets forth senior protection account requirements including protective measures block investigate transactions suspected affinity scam instructs secretary treasury establish income tax deduction average deposits held financial institution senior protection accounts subjects noncompliant financial institution civil liability respect senior sustained actual damage result institution failure comply act directs secretary require financial institution directors officers employees agents report suspicious transaction relevant possible affinity scam