Summary: End Debt Collector Abuse Act of 2010 - Amends the Fair Debt Collection Practices Act to require a debt collector, in the absence of such information in an initial communication or payment of the debt, to include in a written notice to the consumer the following: (1) the date of the last payment to the creditor on the debt and the debt amount at the time of default; (2) the name and address of the last person to extend credit with respect to the debt; (3) an itemization of the principal, fees, and interest that comprise the debt and any other charges added after the date of the last payment; (4) a description of the rights of the consumer concerning the ceasing of debt collector communication with the consumer and having collection efforts stopped; and (5) the name and contact information of the person responsible for handling complaints on behalf of the debt collector. Revises procedures concerning disputed debts to require a debt collector, upon receipt of a notification that a debt is disputed by the consumer, to undertake a thorough investigation of the substance of the dispute and timely provide specific responsive information and verification of the disputed debt. Requires the Federal Trade Commission (FTC) to provide inflation adjustments to damages awarded in cases of noncompliance with fair debt collection practices under the Act. Allows a court, in a civil action alleging violations of fair debt collection practices, to award appropriate relief, including injunctive relief. Deems as an unfair practice a request by a debt collector to a court or law enforcement agency for the issuance of a warrant for the arrest of a debtor or any other similar request that a debt collector knows or should know would lead to the issuance of an arrest warrant, in relation to collection of a debt.

end debt collector abuse act amends fair debt collection practices act require debt collector absence information initial communication payment debt include written notice consumer following date payment creditor debt debt time default address person extend credit respect debt itemization principal fees interest comprise debt charges added date payment description rights consumer concerning ceasing debt collector communication consumer having collection efforts stopped contact information person responsible handling complaints behalf debt collector revises procedures concerning disputed debts require debt collector receipt notification debt disputed consumer undertake thorough investigation substance dispute timely provide specific responsive information verification disputed debt requires federal_trade_commission ftc provide inflation adjustments damages awarded cases noncompliance fair debt collection practices act allows court civil action alleging violations fair debt collection practices award appropriate relief including injunctive relief deems unfair practice request debt collector court law enforcement agency issuance warrant arrest debtor similar request debt collector knows know lead issuance arrest warrant relation collection debt


Summary: Access to Button Cell Batteries Act of 2010 - Directs the Consumer Product Safety Commission (CPSC) to promulgate a standard requiring that electronic product button cell battery compartments be secured so as to reduce access to such batteries by children three years of age or younger. Defines a "button cell battery" as a battery that is 32 millimeters or less in diameter.

directs consumer product safety commission cpsc promulgate standard requiring electronic product button cell battery compartments secured reduce access batteries children years age younger defines button cell battery battery millimeters diameter


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

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


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

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


Summary: Preventing Affinity Scams for Seniors Act of 2011 or PASS Act of 2011 - 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 (CFPB) 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 cfpb 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


Summary: Requires the Consumer Product Safety Commission (CPSC) to issue regulations requiring that a specified warning label be placed on the packaging of any video game that is rated T (Teen) or higher by the Electronics Software Ratings Board.

requires consumer product safety commission cpsc issue regulations requiring specified warning label placed packaging video game rated teen higher


Summary: Kids Just Want to Ride Act - Amends the Consumer Product Safety Improvement Act of 2008 to exempt off-highway vehicles from children's product lead limits. Defines "off-highway vehicle" as: (1) any motorized vehicle designed to travel on two, three, or four wheels and having a seat designed to be straddled by the operator and handlebars for steering control; and (2) a snowmobile. Allows the Consumer Product Safety Commission (CPSC) to exempt a specific product or material from the limits if it finds that lead in the product or material will not result in the absorption of lead (under current law, of any lead) into the human body, taking into account normal and reasonably foreseeable use and abuse of the product by a child.

kids want ride act amends consumer product safety improvement act exempt highway vehicles children product lead limits defines highway vehicle motorized vehicle designed travel wheels having seat designed operator steering control allows consumer product safety commission cpsc exempt specific product material limits finds lead product material result absorption lead current law lead human body taking account normal reasonably foreseeable use abuse product child


Summary: Ban Poisonous Additives Act of 2011 - Deems a food to be adulterated if its container: (1) is composed, in whole or in part, of bisphenol A, or (2) can release bisphenol A into food.  Authorizes the Secretary of Health and Human Services (HHS) to grant one-year renewable waivers to a facility for a particular container if such facility: (1) demonstrates that it is not technologically feasible to replace bisphenol A in the container or to use an alternative container that does not contain bisphenol A, and (2) submits to the Secretary a plan and timeline for removing bisphenol A from such container.  Sets forth labeling requirements for a product granted a waiver. Requires the Secretary, acting through the Commissioner of Food and Drugs (FDA), to review substances in order determine whether there is a reasonable certainty that no harm will result from aggregate exposure to such substance, taking into consideration potential adverse effects from low dose exposure and the effects on vulnerable populations and populations with high exposure.  Sets forth remedial actions based on the Secretary's determination. Amends the Federal Food, Drug, and Cosmetic Act to require a manufacturer or supplier of a food contact substance to notify the Secretary of the identity and intended use of any such substance prior to its introduction into interstate commerce and of its determination that: (1) no adverse health effects result from low-dose exposures to such substance; and (2) such substance has not been shown, after tests which are appropriate for the evaluation of the safety of food contact substances, to cause reproductive or developmental toxicity in humans or animals.

ban poisonous additives act deems food adulterated container composed bisphenol release bisphenol food authorizes secretary health_and_human_services hhs grant year renewable waivers facility particular container facility demonstrates technologically feasible replace bisphenol container use alternative container contain bisphenol submits secretary plan timeline removing bisphenol container sets forth labeling requirements product granted waiver requires secretary acting commissioner food drugs fda review substances order determine reasonable certainty harm result aggregate exposure substance taking consideration potential adverse effects low dose exposure effects vulnerable populations populations high exposure sets forth remedial actions based secretary determination amends cosmetic act require manufacturer supplier food contact substance notify secretary identity intended use substance prior introduction interstate commerce determination adverse health effects result low dose exposures substance substance shown tests appropriate evaluation safety food contact substances cause reproductive developmental toxicity humans animals


Summary: Consumer Financial Protection Oversight Act of 2011 - Amends the Consumer Financial Protection Act of 2010 to transfer to the Department of the Treasury the Bureau of Consumer Financial Protection (CFPB) currently established as an independent bureau in the Federal Reserve System. Prohibits the Secretary of the Treasury from interfering with the autonomy granted the Bureau under such Act. Eliminates Bureau participation in both the Federal Reserve System Retirement Plan and in the Federal Reserve System Thrift Plan.

amends consumer financial protection act transfer cfpb currently established independent bureau federal_reserve_system prohibits secretary treasury interfering autonomy granted bureau act participation


Summary: Fairness in Lending Act of 2011 - Amends the Truth in Lending Act to prohibit credit from being extended in any consumer credit transaction in which a security interest will be retained or acquired in property located within the United States which will be used as the consumer's principal residence if such consumer lacks a Social Security account number.

fairness lending act amends truth lending act prohibit credit extended consumer credit transaction security interest retained acquired property located united_states consumer principal residence consumer lacks social_security account number


Summary: Chemical Facility Anti-Terrorism Security Authorization Act of 2011 - Amends the Homeland Security Act of 2002 to require the Secretary of Homeland Security (DHS) to maintain regulations to protect chemical facilities against terrorism, which shall include: (1) risk-based performance standards for facility security, (2) requirements for facility security vulnerability assessments, and (3) requirements for the development and implementation of facility site security plans. Applies such regulations to any chemical facility that the Secretary determines presents a high level of security risk with respect to acts of terrorism, with the exception of Department of Defense (DOD) and Department of Energy (DOE) facilities, facilities regulated by the Nuclear Regulatory Commission (NRC), port security facilities, public water systems, and treatment works. Requires such regulations to provide that each facility be permitted to select layered security measures that, in combination, appropriately address the vulnerability assessment and risk-based performance standards. Directs the Secretary to approve or disapprove each assessment and site security plan. Prohibits the Secretary from disapproving such a plan based on the presence or absence of a particular security measure, but allows the Secretary to disapprove a plan that fails to satisfy performance standards. Requires the Secretary to: (1) approve or disapprove a security vulnerability assessment or site security plan after publishing final regulations and no later than 180 days after receipt, and (2) provide to a facility owner or operator no later than 14 days after such disapproval written notification that includes a clear explanation of deficiencies and that requires the owner or operator to make revisions to address deficiencies by an appropriate date. Authorizes the Secretary to approve an alterative security program established by a private sector entity or federal, state, or local authority, or established under another applicable law, if the Secretary determines that the requirements of such program meet the requirements of this Act. Requires the Secretary to include in any personnel surety regulation issued pursuant to this Act provisions on how a facility owner or operator can meet regulation requirements by submitting: (1) information on an employee or individual holding a valid transportation security card, (2) an alternate security background check conducted by a private sector entity, and (3) an alternate security background check conducted under another applicable law. Directs the Secretary to provide, upon request, to any owner or operator of a covered chemical facility that is a small business concern technical assistance to prepare a security vulnerability assessment or site security plan. Requires information developed pursuant to this Act to be protected from public disclosure but permits information sharing with state and local government officials under specified circumstances. Directs the Secretary to audit and inspect chemical facilities and order compliance with such regulations. Imposes civil penalties for violations. Authorizes the Secretary to issue an order for a facility not in compliance to cease operations. Requires the Secretary to report annually on: (1) an estimate of the potential jobs created or lost within the private sector as a result of the regulations required under this Act, and (2) information on feedback from facility owners and operators about how the regulations could be revised to spur potential job creation or stem job losses. Terminates this Act on September 30, 2018. Authorizes appropriations for FY2012-FY2018. (Sec. 3) Repeals similar provisions of the Department of Homeland Security Appropriations Act, 2007. (Sec. 4) Directs the Secretary to report on the extent to which the security requirements added by this Act have been harmonized with security requirements for facilities regulated under existing port security provisions.

amends homeland security act require secretary homeland_security dhs maintain regulations protect chemical facilities terrorism shall include risk based performance standards facility security requirements facility security vulnerability assessments requirements development implementation facility site security plans applies regulations chemical facility secretary determines presents high level security risk respect acts terrorism exception department_of_defense dod department_of_energy doe facilities facilities regulated nuclear_regulatory_commission nrc port security facilities public water systems treatment works requires regulations provide facility permitted select security measures combination appropriately address vulnerability assessment risk based performance standards directs secretary approve disapprove assessment site security plan prohibits secretary disapproving plan based presence absence particular security measure allows secretary disapprove plan fails satisfy performance standards requires secretary approve disapprove security vulnerability assessment site security plan publishing final regulations later days receipt provide facility owner operator later days disapproval written notification includes clear explanation deficiencies requires owner operator revisions address deficiencies appropriate date authorizes secretary approve security program established private sector entity federal state local authority established applicable law secretary determines requirements program meet requirements act requires secretary include personnel surety regulation issued pursuant act provisions facility owner operator meet regulation requirements submitting information employee individual holding valid transportation security card alternate security background check conducted private sector entity alternate security background check conducted applicable law directs secretary provide request owner operator covered chemical facility small business concern technical assistance prepare security vulnerability assessment site security plan requires information developed pursuant act protected public disclosure permits information sharing state local government officials specified circumstances directs secretary audit inspect chemical facilities order compliance regulations imposes civil penalties violations authorizes secretary issue order facility compliance cease operations requires secretary report annually estimate potential jobs created lost private sector result regulations required act information feedback facility owners operators regulations revised spur potential job creation stem job losses terminates act september authorizes appropriations fy2012-fy2018 sec repeals similar provisions department_of_homeland_security appropriations act sec directs secretary report extent security requirements added act harmonized security requirements facilities regulated existing port security provisions


Summary: Drug Safety Enhancement Act of 2011 - Amends the Federal Food, Drug, and Cosmetic Act (FFDCA) to expand drug establishment registration requirements to include foreign drug establishments and establishments manufacturing, preparing, propagating, compounding, or processing excipients of drugs (i.e., inactive drug additives). Requires the Secretary of Health and Human Services (HHS) to collect registration fees. Requires drug manufacturers to: (1) implement an effective quality system that requires compliance with current good manufacturing practices and timely communication of product quality issues; (2) establish risk management procedures that ensure effective risk assessment, control, and communication; and (3) establish procedures that ensure the safety, identity, quality, strength, purity, and security of all drugs and other materials used by the manufacturer. Requires drug establishments to maintain records on the supply chain of the drug, ingredients, and raw materials. Establishes the frequency of inspections of drug establishments. Prohibits delaying or limiting an inspection. Gives the Secretary authority to order the recall of, detain, destroy, and seize drugs as necessary. Establishes civil and criminal penalties for violations of FFDCA provisions. Authorizes the Secretary to require documentation of an imported drug and refuse admission if such documentation is not provided. Requires the Secretary to: (1) require drug importers to register and to comply with good importer practices, (2) require a customs broker with respect to drugs to register, and (3) establish a corps of inspectors dedicated to inspections of foreign drug facilities and establishments. Requires drug establishments, importers, and customs brokers to have a unique identifier. Deems a finished dosage form drug to be misbranded if the manufacturer's website does not list country of origin labeling for each active pharmaceutical ingredient and the place of manufacture of the finished dosage form of such drug. Gives the Commissioner of the Food and Drug Administration (FDA) subpoena authority. Establishes whistleblower protections.

drug safety enhancement act amends cosmetic act ffdca expand drug establishment registration requirements include foreign drug establishments establishments manufacturing preparing compounding processing drugs inactive drug additives requires secretary health_and_human_services hhs collect registration fees requires drug manufacturers implement effective quality system requires compliance current good manufacturing practices timely communication product quality issues establish risk management procedures ensure effective risk assessment control communication establish procedures ensure safety identity quality strength purity security drugs materials manufacturer requires drug establishments maintain records supply chain drug ingredients raw materials establishes frequency inspections drug establishments prohibits delaying limiting inspection gives secretary authority order recall detain destroy seize drugs necessary establishes civil criminal penalties violations ffdca provisions authorizes secretary require documentation imported drug refuse admission documentation provided requires secretary require drug importers register comply good importer practices require customs broker respect drugs register establish corps inspectors dedicated inspections foreign drug facilities establishments requires drug establishments importers customs brokers unique identifier deems finished dosage form drug misbranded manufacturer website list country origin labeling active pharmaceutical ingredient place manufacture finished dosage form drug gives commissioner food_and_drug_administration fda subpoena authority establishes whistleblower protections


Summary: Social Security Identity Defense Act of 2011 - Amends the Internal Revenue Code to require the Secretary of the Treasury to make certain disclosures to the holder of a social security account number and to the Federal Bureau of Investigation (FBI) if the Secretary determines that there is a substantial likelihood that there has been a fraudulent use of such account number in the employment context. Authorizes the FBI Director to disclose information received from the Secretary to federal, state, and local law enforcement officials, but restricts the use of such information to carrying out criminal investigations or prosecutions. Requires employers who have been notified of suspected misuse of an employee's social security account number to cease including such account number on statements provided to such employee.

social_security_identity defense act amends internal revenue code require secretary treasury certain disclosures holder social security account number federal_bureau_of_investigation fbi secretary determines substantial likelihood fraudulent use account number employment context authorizes fbi director disclose information received secretary federal state local law enforcement officials restricts use information carrying criminal investigations prosecutions requires employers notified suspected misuse employee social security account number cease including account number statements provided employee


Summary: Asset-Backed Market Stabilization Act of 2011 - Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act to repeal the voiding of, and so restore, Securities and Exchange Commission Rule 436G (which exempts credit ratings provided by nationally recognized statistical rating organizations [NRSROs] from being considered a part of the registration statement prepared or certified by a person under the Securities Act of 1933).

asset backed market stabilization act amends dodd frank wall street reform consumer protection act repeal restore securities_and_exchange_commission rule exempts credit ratings provided nationally recognized statistical rating organizations nrsros considered registration statement prepared certified person securities act


Summary: Data Accountability and Trust Act - Requires the Federal Trade Commission (FTC) to promulgate regulations requiring each person engaged in interstate commerce that owns or possesses data containing personal information to establish specified security policies and procedures to treat and protect such information. Requires the regulations to include methods for disposing of both electronic and nonelectronic data. Requires information brokers to submit their security policies to the FTC in conjunction with a notification of a security breach notification or on FTC request. Authorizes the FTC to conduct information security practices audits of brokers who have had a security breach or require such brokers to conduct independent audits. Requires information brokers to: (1) establish procedures to verify the accuracy of information that identifies individuals, (2) provide to individuals whose personal information it maintains a means to review it, (3) place a conspicuous notice on the Internet instructing individuals how to request access to such information, and (4) correct inaccurate information. Directs the FTC to require information brokers to establish measures which facilitate the auditing or retracing of access to, or transmissions of, any data containing personal information. Makes it unlawful for information brokers to obtain or disclose personal information by false pretenses (pretexting). Requires such person to notify the FTC and affected individuals of information security breaches. Sets forth requirements concerning such notification, including method of notification requirements and timeliness requirements. Allows an exemption from notification requirements if such person determines that there is no reasonable risk of identity theft, fraud, or other unlawful conduct. Preempts state information security laws.

ftc promulgate regulations requiring person engaged interstate commerce owns possesses data containing personal information establish specified security policies procedures treat protect information requires regulations include methods disposing electronic data requires information brokers submit security policies ftc conjunction notification security breach notification ftc request authorizes ftc conduct information security practices audits brokers security breach require brokers conduct independent audits requires information brokers establish procedures verify accuracy information identifies individuals provide individuals personal information maintains means review place conspicuous notice internet instructing individuals request access information correct inaccurate information directs ftc require information brokers establish measures facilitate auditing retracing access transmissions data containing personal information makes unlawful information brokers obtain disclose personal information false pretenses pretexting requires person notify ftc affected individuals information security breaches sets forth requirements concerning notification including method notification requirements timeliness requirements allows exemption notification requirements person determines reasonable risk identity theft fraud unlawful conduct preempts state information security laws


Summary: Keeping Children Safe Act of 2011 - Directs the Federal Communications Commission (FCC) to promulgate regulations requiring warning labels on baby monitors to alert users that video and audio from such devices may be intercepted and viewed or heard by potential intruders outside their home.

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


Summary: Data Accountability and Trust Act of 2011 - Requires the Federal Trade Commission (FTC) to promulgate regulations requiring each person engaged in interstate commerce that owns or possesses electronic data containing personal information to establish security policies and procedures. Authorizes the FTC to require a standard method or methods for destroying obsolete nonelectronic data. Requires information brokers to submit their security policies to the FTC in conjunction with a security breach notification or on FTC request. Requires the FTC to conduct or require an audit of security practices when information brokers are required to provide notification of such a breach. Authorizes additional audits after a breach. Requires information brokers to: (1) establish procedures to verify the accuracy of information that identifies individuals, (2) provide to individuals whose personal information it maintains a means to review it, (3) place notice on the Internet instructing individuals how to request access to such information, and (4) correct inaccurate information. Directs the FTC to require information brokers to establish measures which facilitate the auditing or retracing of access to, or transmissions of, electronic data containing personal information. Prohibits information brokers from obtaining or disclosing personal information by false pretenses (pretexting). Prescribes procedures for notification to the FTC and affected individuals of information security breaches. Sets forth special notification requirements for breaches: (1) by contractors who maintain or process electronic data containing personal information, (2) involving telecommunications and computer services, and (3) of health information. Terminates this Act effective September 30, 2016.

requires federal_trade_commission ftc promulgate regulations requiring person engaged interstate commerce owns possesses electronic data containing personal information establish security policies procedures authorizes ftc require standard method methods destroying obsolete data requires information brokers submit security policies ftc conjunction security breach notification ftc request requires ftc conduct require audit security practices information brokers required provide notification breach authorizes additional audits breach requires information brokers establish procedures verify accuracy information identifies individuals provide individuals personal information maintains means review place notice internet instructing individuals request access information correct inaccurate information directs ftc require information brokers establish measures facilitate auditing retracing access transmissions electronic data containing personal information prohibits information brokers obtaining disclosing personal information false pretenses pretexting prescribes procedures notification ftc affected individuals information security breaches sets forth special notification requirements breaches contractors maintain process electronic data containing personal information involving telecommunications computer services health information terminates act effective september


Summary: Enhancing CPSC Authority and Discretion Act of 2011 - Amends the Consumer Product Safety Improvement Act of 2008 to revise the limit on lead content in children's products by: (1) delaying by one year the step-down of the lead limit, (2) limiting application of the most stringent lead limit to children's products that are designed or intended primarily for use by a child six years old or younger and that can be placed in a child's mouth, and (3) applying lead limits only to products manufactured after the effective date of such limits.Requires the Consumer Product Safety Commission (CPSC) to grant an exception from lead limits for a specific product, material, or component part under specified circumstances. Applies an alternative lead limit to certain metal component parts in children's products. Exempts from lead limits: (1) battery terminals in children's products intended primarily for outdoor recreational use, and (2) certain used children's products. Amends the Consumer Product Safety Act to prohibit the CPSC from requiring third party testing of children's products until the CPSC meets specified conditions, including making a determination that the benefits of testing justify the costs. Establishes an exemption from crib safety standards for child care facilities using certain fixed-side cribs. Applies limits on phthalates in children's toys or child care articles only to any accessible, plasticized component part of a children's toy or child care article. Authorizes the CPSC to exempt toys or articles from such limit if compliance is not necessary to protect children's health. Terminates interim phthalates limits unless the CPSC meets certain rulemaking deadlines. Authorizes the CPSC to: (1) exclude a product or class of products from requirements that manufacturers of children's products place identifying marks on their products if it is not practicable for such products to bear such marks, and (2) establish alternative requirements for identification of such products. Revises provisions concerning the publicly available consumer product safety information database, including by limiting who can submit reports for inclusion in the database.

discretion act amends consumer product safety improvement act revise limit lead content children products delaying year step lead limit limiting application stringent lead limit children products designed intended primarily use child years old younger placed child mouth applying lead limits products manufactured effective date limits requires consumer product safety commission cpsc grant exception lead limits specific product material component specified circumstances applies alternative lead limit certain metal component parts children products exempts lead limits battery terminals children products intended primarily outdoor recreational use certain children products amends consumer product safety act prohibit cpsc requiring party testing children products cpsc meets specified conditions including making determination benefits testing justify costs establishes exemption crib safety standards child care facilities certain fixed applies limits phthalates children toys child care articles accessible component children toy child care article authorizes cpsc exempt toys articles limit compliance necessary protect children health terminates interim phthalates limits cpsc meets certain rulemaking deadlines authorizes cpsc exclude product class products requirements manufacturers children products place identifying marks products practicable products bear marks establish alternative requirements identification products revises provisions concerning publicly available consumer product safety information database including limiting submit reports inclusion database


Summary: Aged Distilled Spirits Competitiveness Act of 2011 - Amends the Internal Revenue Code to exclude from determination of the production period for distilled spirits any period allocated to the natural aging process for purposes of determining whether a taxpayer can expense, rather than capitalize, interest costs paid or incurred during the production period.

amends internal revenue code exclude determination production period distilled spirits period allocated natural aging process purposes determining taxpayer expense capitalize interest costs paid incurred production period


Summary: Skin Cancer Prevention, Education, and Consumer Right-To-Know Act - Requires the proposed rule issued by the Commissioner of Food and Drugs (FDA) 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 (HHS) 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 fda 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 hhs implement general nationwide education campaign identifying risks posed sun exposure use sunscreen providing broad spectrum protection


Summary: Robin Danielson Act - Amends the Public Health Service Act to require the Director of the National Institutes of Health (NIH) to provide for the conduct or support of research on the extent to which additives in feminine hygiene products pose any risks to the health of women or the health of the children of women who use those products during or before the pregnancies involved. Requires the Director of the Centers for Disease Control and Prevention (CDC) to: (1) collect, analyze, and make available data on toxic shock syndrome, including data on the causes of such syndrome; and (2) determine the national incidence and prevalence of such syndrome.

public_health_service_act require director national_institutes_of_health nih provide conduct support research extent additives hygiene products pose risks health women health children women use products pregnancies involved requires director centers_for_disease_control_and_prevention cdc collect analyze available data toxic syndrome including data causes syndrome determine national incidence prevalence syndrome


Summary: Safe Cosmetics Act of 2011 - Amends the Federal Food, Drug, and Cosmetic Act to provide for the regulation of cosmetics by the Secretary of Health and Human Services (HHS). Requires any establishment engaged in manufacturing and packaging cosmetics for use in the United States to register annually and pay a fee for oversight and enforcement of this Act. Requires the Secretary to: (1) establish labeling requirements; (2) establish a safety standard that provides a reasonable certainty of no harm from exposure to a cosmetic or an ingredient in a cosmetic and that protects the public from any known or anticipated adverse health effects associated with the cosmetic or ingredient; and (3) issue guidance prescribing good manufacturing practices for cosmetics and ingredients. Requires manufacturers of cosmetics and ingredients to submit to the Secretary safety data for the ingredients listed on the cosmetic label and the cosmetic itself, which shall be published in a database. Requires the Secretary to review and evaluate the safety of cosmetics and ingredients of cosmetics that are marketed in interstate commerce, including nanotechnology and contaminants. Requires the Secretary, based on an initial review and evaluation, to establish three lists for ingredients: (1) a prohibited and restricted list, (2) a safe without limits list, and (3) a priority assessment list. Authorizes the Secretary to order a recall or cease of distribution for a cosmetic that is adulterated, misbranded, or otherwise in violation of the FFDCA. Requires reporting of adverse health effects associated with cosmetics. Requires the Secretary to take action to minimize the use of animal testing of ingredients and cosmetics. Establishes an Interagency Council on Cosmetic Safety. Requires the Secretary of Labor to promulgate an occupational safety and health standard relating to cosmetics for professional use.

safe cosmetics act amends cosmetic act provide regulation cosmetics secretary health_and_human_services hhs requires establishment engaged manufacturing packaging cosmetics use united_states register annually pay fee oversight enforcement act requires secretary establish labeling requirements establish safety standard provides reasonable certainty harm exposure cosmetic ingredient cosmetic protects public known anticipated adverse health effects associated cosmetic ingredient issue guidance prescribing good manufacturing practices cosmetics ingredients requires manufacturers cosmetics ingredients submit secretary safety data ingredients listed cosmetic label cosmetic shall published database requires secretary review evaluate safety cosmetics ingredients cosmetics marketed interstate commerce including nanotechnology contaminants requires secretary based initial review evaluation establish lists ingredients prohibited restricted list safe limits list priority assessment list authorizes secretary order recall cease distribution cosmetic adulterated misbranded violation ffdca requires reporting adverse health effects associated cosmetics requires secretary action minimize use animal testing ingredients cosmetics establishes interagency council cosmetic safety requires secretary labor promulgate occupational safety health standard relating cosmetics professional use


Summary: Fair Debt Collection Improvement Act - Amends the Fair Debt Collection Practices Act to prohibit a debt collector from bringing, or threatening to bring, legal action against any consumer on a debt in which the statute of limitations has expired. Requires a debt collector, in connection with the collection of debt in which the statute of limitations has expired, to disclose to the consumer that: (1) the debt has been transferred to the debt collector, (2) the creditor no longer holds the debt, (3) the debt collector may not bring legal action against the consumer to collect the debt because the statute of limitations has expired, and (4) any payment by the consumer towards the debt may cause the statute of limitations to reset.

fair debt collection improvement act amends fair debt collection practices act prohibit debt collector bringing threatening bring legal action consumer debt statute limitations expired requires debt collector connection collection debt statute limitations expired disclose consumer debt transferred debt collector creditor longer holds debt debt collector bring legal action consumer collect debt statute limitations expired payment consumer debt cause statute limitations reset


Summary: Requires the event data recorder in a motor vehicle and any data recorded on such a recorder to be considered the property of the vehicle owner. Makes retrieval of such data by anyone other than the vehicle owner unlawful, except: (1) with the owner's consent; (2) in response to a court order; (3) by a vehicle dealer or an automotive technician for servicing the vehicle; or (4) for improving vehicle safety, provided the identity of the registered owner or driver is not disclosed. Gives the Federal Trade Commission (FTC) the authority to enforce this Act. Makes it unlawful to manufacture, sell, or import new motor vehicles manufactured after 2011 (bearing a model year of 2013 or later) that are equipped with event data recorders, unless those recorders can be disabled by the vehicle owner.

requires event data recorder motor vehicle data recorded recorder considered property vehicle owner makes retrieval data vehicle owner unlawful owner consent response court order vehicle dealer automotive technician servicing vehicle improving vehicle safety provided identity registered owner driver disclosed ftc authority enforce act makes unlawful manufacture sell import new motor vehicles manufactured bearing model year later equipped event data recorders recorders disabled vehicle owner


Summary: Secure and Fortify Electronic Data Act or the SAFE Data Act - Requires the Federal Trade Commission (FTC) to promulgate regulations requiring any person engaged in interstate commerce that owns or possesses data containing personal information to establish and implement reasonable security policies and procedures to treat and protect such information. Requires such regulations to include specified policies and procedures, including: (1) a process for identifying and assessing vulnerabilities in the system, and (2) a process for taking preventive and corrective action to mitigate such vulnerabilities. Requires a person covered by this Act to establish a plan and procedures for minimizing the amount of personal information maintained. Exempts services providers from such requirements for any electronic communication by a third party that is transmitted, routed, or stored in intermediate or transient storage by the provider. Establishes notification procedures in the event of a breach of security of any system that contains personal information. Allows an exemption from notification requirements if a person subject to this Act determines that there is no reasonable risk of identity theft, fraud, or other unlawful conduct. Creates a presumption that no reasonable risk of such conduct exists following a breach of security if the data containing personal information is unusable, unreadable, or indecipherable to an unauthorized person by encryption or other security technology that is generally accepted by experts in the information security field. Directs a person subject to this Act to provide a credit report and credit monitoring if certain identifying information is breached. Sets forth provisions regarding enforcement of this Act by the FTC and by state attorneys general. Establishes civil penalties for violations. Exempts from the requirements of this Act any person subject to the information security requirements of the Health Insurance Portability and Accountability Act (HIPAA) or the Gramm-Leach Bliley Act.

safe data act requires federal_trade_commission ftc promulgate regulations requiring person engaged interstate commerce owns possesses data containing personal information establish implement reasonable security policies procedures treat protect information requires regulations include specified policies procedures including process identifying assessing vulnerabilities system process taking preventive corrective action mitigate vulnerabilities requires person covered act establish plan procedures minimizing personal information maintained exempts services providers requirements electronic communication party transmitted stored intermediate transient storage provider establishes notification procedures event breach security system contains personal information allows exemption notification requirements person subject act determines reasonable risk identity theft fraud unlawful conduct creates presumption reasonable risk conduct exists following breach security data containing personal information unusable unauthorized person encryption security technology generally accepted experts information security field directs person subject act provide credit report credit monitoring certain identifying information breached sets forth provisions enforcement act ftc state attorneys general establishes civil penalties violations exempts requirements act person subject information security requirements health_insurance_portability_and_accountability_act hipaa gramm leach bliley act


Summary: Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act to repeal the authority of the Consumer Financial Protection Bureau (CFPB) to: (1) prohibit unfair, deceptive, or abusive acts or practices in connection with any transaction with a consumer for, or the offering of, a consumer financial product or service; and (2) promulgate regulations to prevent such practices.

amends dodd frank wall street reform consumer protection act repeal authority consumer_financial_protection_bureau cfpb prohibit unfair deceptive abusive acts practices connection transaction consumer offering consumer financial product service promulgate regulations prevent practices


Summary: (Sec. 1) Amends the Consumer Product Safety Improvement Act of 2008 to apply the limit on lead content in children's products only to product's manufactured after the effective date of the limit. Requires the Consumer Product Safety Commission (CPSC) to grant an exception to such lead limit for a specific product, class of product, material, or component part if CPSC determines that: (1) it is not practicable or technologically feasible to manufacture the item in accordance with the lead limit by removing the excessive lead or by making the lead inaccessible; (2) the item is not likely to be placed in the mouth or ingested by a child; and (3) the exception will have no measurable adverse effect on public health or safety (i.e., the exception will result in no measurable increase in blood lead levels of a child). Sets forth procedures for granting these exceptions. Exempts off-highway vehicles from the limit on lead content in children's products. Exempts bicycles from such lead limit and applies an alternate limit for the metal component part of the products. Exempts used children's products from the lead limit, except for children's metal jewelry, any product for which the donating party or seller has actual knowledge that the product is in violation of the lead limits, or any product or category as determined by CPSC. (Sec. 2) Amends the Consumer Product Safety Act to authorize CPSC to revise third party testing regulations to reduce testing costs consistent with assuring compliance with children's product safety rules. Requires CPSC to exempt small batch manufacturers from third party testing requirements if no alternative testing requirement is available or economically practicable. Limits such exemption as necessary to protect public health and safety and for certain children's products (e.g., durable infant or toddler products). Excludes ordinary books, ordinary paper-based printed materials, and the metal component parts of bicycles from third party testing requirements. Prohibits subdividing production of a children's product into small quantities that has the effect of evading any third party testing requirements. (Sec. 3) Sets forth procedures that apply when CPSC adopts a voluntary consumer product safety standard issued by an organization. Applies revisions to the safety standards for cribs only to a person that manufactures or imports cribs, unless a more expansive application is necessary to protect against an unreasonable risk to health or safety. (Sec. 4) Considers any provision that restates or incorporates a regulation promulgated by the Food and Drug Administration (FDA) or any statute administered by FDA to be a consumer product safety standard issued by CPSC. (Sec. 5) Applies limits on phthalates in children's toys or child care articles to plasticized component parts of such toys or articles, unless such component is not accessible to a child. (Sec. 6) Authorizes CPSC to: (1) exclude a specific product or class of products from regulations requiring that products contain distinguishing marks to identify production information if it is not practicable for such product or class of products to bear such marks; and (2) establish alternative requirements for identification of products. (Sec. 7) Revises provisions regarding reports of harm relating to the use of consumer products for the database on the safety of consumer products to: (1) require a stay of five days before submitting such information if CPSC receives notice that information in a report is materially inaccurate, and (2) establish procedures for when the CPSC receives a report missing a model or serial number for the product. (Sec. 8) Gives the CPSC the authority to: (1) issue subpoenas for the production of physical evidence, and (2) delegate to CPSC's general counsel the authority to issue subpoenas to federal, state, or local government agencies. (Sec. 9) Requires CPSC to issue a final rule on safety standards pertaining to all-terrain vehicles within one year of enactment of this Act.

sec amends consumer product safety improvement act apply limit lead content children products product manufactured effective date limit requires consumer product safety commission cpsc grant exception lead limit specific product class product material component cpsc determines practicable technologically feasible manufacture item accordance lead limit removing excessive lead making lead inaccessible item likely placed mouth child exception measurable adverse effect public health safety exception result measurable increase blood lead levels child sets forth procedures granting exceptions exempts highway vehicles limit lead content children products exempts bicycles lead limit applies alternate limit metal component products exempts children products lead limit children metal jewelry product donating party seller actual knowledge product violation lead limits product category determined cpsc sec amends consumer product safety act authorize cpsc revise party testing regulations reduce testing costs consistent assuring compliance children product safety rules requires cpsc exempt small manufacturers party testing requirements alternative testing requirement available economically practicable limits exemption necessary protect public health safety certain children products durable infant toddler products excludes ordinary books ordinary paper based printed materials metal component parts bicycles party testing requirements prohibits production children product small quantities effect evading party testing requirements sec sets forth procedures apply cpsc adopts voluntary consumer product safety standard issued organization applies revisions safety standards person manufactures imports application necessary protect unreasonable risk health safety sec considers provision restates incorporates regulation promulgated food_and_drug_administration fda statute administered fda consumer product safety standard issued cpsc sec applies limits phthalates children toys child care articles component parts toys articles component accessible child sec authorizes cpsc exclude specific product class products regulations requiring products contain distinguishing marks identify production information practicable product class products bear marks establish alternative requirements identification products sec revises provisions reports harm relating use consumer products database safety consumer products require stay days submitting information cpsc receives notice information report materially inaccurate establish procedures cpsc receives report missing model serial number product sec gives cpsc authority issue subpoenas production physical evidence delegate cpsc general counsel authority issue subpoenas federal state local government agencies sec requires cpsc issue final rule safety standards pertaining terrain vehicles year enactment act


Summary: National Amusement Park Ride Safety Act of 2011 - Amends the Consumer Product Safety Act to include amusement rides permanently fixed to a site as a consumer product for purposes of regulation by the Consumer Product Safety Commission (CPSC).

amends consumer product safety act include amusement permanently fixed site consumer product purposes regulation consumer_product_safety_commission cpsc


Summary: Small Business Credit Availability Act - (Sec. 2) Amends the Commodity Exchange Act (as amended by the Dodd-Frank Wall Street Reform and Consumer Protection Act [Dodd-Frank]) to exclude from regulation as a swap dealer an insured depository institution, or a U.S. uninsured branch or agency of a foreign bank that has a prudential regulator. Permits designation of a person as a swap dealer for a single type, class, or category of swap or activity, and yet considered not to be a swap dealer for other types, classes, or categories of swaps or activities. Excludes from the definition of "swap dealer" a person that enters into swaps for such person's own account: (1) either individually or in a fiduciary capacity, but not as part of specified business activities; (2) in order to either hedge or mitigate commercial risk; or (3) to comply with state or local governmental regulations. Excludes also from factors determinative of "swap dealer" a swap entered into for a person's own account and that involves a capacity contract, a renewable energy credit, an emissions allowance, or an emissions offset if such instrument is used to meet obligations under state or local governmental regulations. (Sec. 3) Excludes outright from the meaning of financial entity any small bank, savings association, farm credit system institution, non-profit cooperative lender controlled by electric cooperatives, or credit union if the aggregate uncollateralized outward exposure plus aggregate potential outward exposure with respect to its swaps does not exceed $1 billion. (Thus exempts such entities from the clearing requirement.) (Sec. 4) Redefines "major swap participant" to exclude an entity whose primary business is providing financing that facilitates the sale or lease of products by or on behalf of the parent company or its subsidiary, and uses derivatives only for the purpose of hedging underlying commercial risks in a consolidated financing and leasing portfolio at least 90% of which, as of the end of its preceding fiscal year, is qualifying financing (including loans, notes, installment sales contracts, receivables, and operating and financing leases). Excludes certain captive finance entities from the swap clearing requirement. (Sec. 5) Declares amendments made by this Act effective as of the enactment of the Wall Street Transparency and Accountability Act of 2010 (title VII of Dodd-Frank). (Sec. 6) Requires the amendments made by this Act to be implemented: (1) through promulgation of an interim final rule, pursuant to which public comment will be sought before a final rule is issued; and (2) without regard to specified federal law on coordination of federal information policy, or certain administrative notice and comment requirements.

sec amends commodity_exchange_act amended dodd frank wall street reform consumer protection act dodd-frank exclude regulation swap dealer insured depository institution uninsured branch agency foreign bank prudential regulator permits designation person swap dealer single type class category swap activity considered swap dealer types classes categories swaps activities excludes definition swap dealer person enters swaps person account individually fiduciary capacity specified business activities order hedge mitigate commercial risk comply state local governmental regulations excludes factors swap dealer swap entered person account involves capacity contract renewable energy credit emissions allowance emissions offset instrument meet obligations state local governmental regulations sec excludes meaning financial entity small bank savings association farm credit system institution non profit cooperative lender controlled electric cooperatives credit union aggregate outward exposure plus aggregate potential outward exposure respect swaps exceed billion exempts entities clearing requirement sec redefines major swap participant exclude entity primary business providing financing facilitates sale lease products behalf parent company subsidiary uses derivatives purpose hedging underlying commercial risks consolidated financing leasing portfolio end preceding fiscal year qualifying financing including loans notes installment sales contracts receivables operating financing leases excludes certain captive finance entities swap clearing requirement sec declares amendments act effective enactment accountability act title vii dodd-frank sec requires amendments act implemented promulgation interim final rule pursuant public comment sought final rule issued regard specified federal law coordination federal information policy certain administrative notice comment requirements


Summary: Cleaning Product Right to Know Act of 2011 - Requires a cleaning product manufactured or offered for sale, distributed in commerce, or imported into the United States to bear a label listing each of its ingredients: (1) by the name assigned by the International Nomenclature of Cosmetic Ingredients or, if there is no such name, by the name assigned by the International Union of Pure and Applied Chemistry or, if there is none, by its common chemical name; and (2) in descending order of predominance by weight, except that ingredients that constitute less than 1% of the product can be listed at the end in any order. Allows the Consumer Product Safety Commission (CPSC) to exempt from such labeling requirement: (1) an ingredient that is present in a product at such low levels that detection is not technologically feasible, or (2) for five-year periods, an ingredient that a manufacturer demonstrates to be a trade secret. Sets forth required disclosures for, and limitations to, a manufacturer's claim that an ingredient is a trade secret. Requires a product that is not in conformity with the labeling requirements and not exempt to be treated as a misbranded hazardous substance under the Federal Hazardous Substances Act (FHSA). Increases penalties for violations of FHSA. Authorizes any person to petition the CPSC to investigate claims that a product does not satisfy the labeling requirements. Requires: (1) each cleaning product manufacturer to make available on its website a complete list of ingredients for each product, including any potential adverse health effect of each ingredient; and (2) CPSC to provide on its website aggregated information that allows users to compare products made by different manufacturers.

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


Summary: Proprietary Information Protection Act of 2012 - Amends the Consumer Financial Protection Act of 2010 to prohibit information submitted by a person to the Consumer Financial Protection Bureau (CFPB) in the course of any CFPB supervisory or regulatory process from being construed as affecting any privilege such person may claim with respect to such information under federal or state law.

proprietary information protection act amends consumer financial protection act prohibit information submitted person consumer_financial_protection_bureau cfpb course cfpb supervisory regulatory process construed affecting privilege person claim respect information federal state law


Summary: Arsenic Prevention and Protection from Lead Exposure in Juice Act of 2012 or the APPLE Juice Act of 2012 - Directs the Commissioner of Food and Drugs (FDA) to promulgate final regulations establishing tolerances under the Federal Food, Drug, and Cosmetic Act (FFDCA) to limit the quantity of total arsenic and lead in beverages containing fruit juice. Requires the limitations on total arsenic and lead in such beverages to be no less stringent than the allowable level for total arsenic and lead in bottled water under the FFDCA. Provides that if there are no such tolerances in effect within two years, a beverage containing fruit juice shall be deemed to be adulterated if the quantity of total arsenic or lead in the beverage exceeds the limits of the allowable level for total arsenic or lead, respectively, in bottled water.

lead exposure juice act apple juice act directs commissioner food drugs fda promulgate final regulations establishing tolerances cosmetic act ffdca limit quantity total arsenic lead beverages containing fruit juice requires limitations total arsenic lead beverages stringent allowable level total arsenic lead bottled water ffdca provides tolerances effect years beverage containing fruit juice shall deemed adulterated quantity total arsenic lead beverage exceeds limits allowable level total arsenic lead respectively bottled water


Summary: Fair Debt Collection Practices Clarification Act of 2012 - Amends the Fair Debt Collection Practices Act to revise the disclaimer of liability for any act done or omitted in good faith in conformity with any advisory opinion of the Consumer Financial Protection Bureau (CFPB). Exempts from liability, in addition, acts done or omitted in good faith in compliance with any rule, regulation, or interpretation of the CFPB, or in conformity with any interpretation or approval by a CFPB official or employee duly authorized to issue such interpretations or approvals. Permits a debt collector to leave messages for a consumer regarding the collection of a debt on the consumer's answering machine, voice messaging system, or similar device, including in an initial communication with the consumer, so long as the message complies with regulations prescribed by the CFPB to ensure the preservation of consumer privacy and other rights, including restrictions on communications with third parties. Prohibits a debt collector from initiating a legal action on a debt in an arbitration setting, or requiring the consumer to resolve by arbitration a collection-related dispute on the debt, unless the consumer has agreed in writing to resolution by arbitration after collections activities have been initiated and a legal action or dispute has arisen.

fair debt collection practices clarification act amends fair debt collection practices act revise disclaimer liability act omitted good faith conformity advisory opinion consumer_financial_protection_bureau cfpb exempts liability addition acts omitted good faith compliance rule regulation interpretation cfpb conformity interpretation approval cfpb official employee duly authorized issue interpretations approvals permits debt collector leave messages consumer collection debt consumer answering machine voice messaging system similar device including initial communication consumer long message complies regulations prescribed cfpb ensure preservation consumer privacy rights including restrictions communications parties prohibits debt collector initiating legal action debt arbitration setting requiring consumer resolve arbitration collection related dispute debt consumer agreed writing resolution arbitration collections activities initiated legal action dispute arisen


Summary: Requires the Consumer Product Safety Commission (CPSC) to issue regulations requiring that a warning label stating that "exposure to violent video games has been linked to aggressive behavior" be placed on the packaging of any video game that is rated E (Everyone), Everyone 10+ (Everyone 10 and older), T (Teen), M (Mature), or A (Adult) by the Entertainment Software Ratings Board.

requires consumer product safety commission cpsc issue regulations requiring warning label stating exposure violent video games linked aggressive behavior placed packaging video game rated older teen mature adult


Summary: Contracting Oversight for Small Business Jobs Act of 2012 - Amends the federal criminal code to include under penalties for misrepresentation the willful misrepresentation of status as a small business for the purpose of obtaining, retaining, or completing a federal contract. Amends the Small Business Act to provide that, in cases of small business fraud, including misrepresentation of status, the penalties provided shall not apply if the defendant acted in reliance on a written advisory opinion from a licensed attorney who is not an employee of the defendant. Requires the Administrator of the Small Business Administration (SBA) to: (1) issue rules defining an advisory opinion for such purposes, and (2) issue a compliance guide to assist businesses in accurately determining their small business status. Establishes in the SBA an Office of Hearings and Appeals, headed by a Chief Hearing Officer, which shall: (1) impartially decide matters where Congress designates that a hearing on the record is required or which the Administrator designates by regulation or otherwise, and (2) contain the SBA's Freedom of Information/Privacy Acts Office. Includes as a misrepresentation, for SBA purposes, any misrepresentation established by a preponderance of the evidence (in the case of debarment) or adequate evidence (in the case of suspension). Directs the Administrator to publish on the SBA website the standard operating procedures for such debarments and suspensions. Directs the Administrator to report annually to the congressional small business committees on debarment and suspension actions. Expresses the sense of Congress that the Administrator should present to the SBA Inspector General or the Attorney General any evidence of a violation of misrepresentation of small business status presented in a proceeding conducted by the Office of Hearings and Appeals.

contracting oversight small business jobs act amends federal criminal code include penalties misrepresentation willful misrepresentation status small business purpose obtaining retaining completing federal contract amends small_business_act provide cases small business fraud including misrepresentation status penalties provided shall apply defendant acted reliance written advisory opinion licensed attorney employee defendant requires administrator small_business_administration sba issue rules defining advisory opinion purposes issue compliance guide assist businesses accurately determining small business status establishes sba headed chief hearing officer shall decide matters congress designates hearing record required administrator designates regulation contain sba includes misrepresentation sba purposes misrepresentation established preponderance evidence case debarment adequate evidence case suspension directs administrator publish sba website standard operating procedures suspensions directs administrator report annually congressional small business committees debarment suspension actions expresses sense congress administrator present attorney general evidence violation misrepresentation small business status presented proceeding conducted


Summary: Consumer Mortgage Choice Act - Amends the Truth in Lending Act with respect to requirements for disclosure to a consumer of points and fees information about a consumer credit transaction, secured by the consumer's principal dwelling, but which is not a residential mortgage transaction, a reverse mortgage transaction, or a transaction under an open end credit plan, when the total points and fees the consumer must pay at or before closing will exceed 8% percent of the total loan amount or $400, whichever is greater. (Such consumer credit transactions might include an equity credit line to which consumer purchases or leases may be charged.) Excludes from the computation of such points and fees any compensation paid by a mortgage originator or a creditor to an individual person employed by the mortgage originator or creditor. Excludes also escrows for future payments of insurance. Modifies the criteria for exclusion from the computation of points and fees of certain reasonable charges elsewhere exempted from the computation of the finance charge in extensions of credit secured by an interest in real property. Excludes from points and fees any such reasonable charges even though a creditor receives compensation, but only in so far as the creditor or its affiliate retains the compensation as a result of their participation in an affiliated business arrangement. (An "affiliated business arrangement" is one in which: (1) a person who is in a position to refer business incident to or a part of a real estate settlement service involving a federally related mortgage loan, or an associate of such person, has either an affiliate relationship with or a direct or beneficial ownership interest of more than 1% in a provider of settlement services; and (2) either of such persons directly or indirectly refers such business to that provider or affirmatively influences the provider's selection.) Revises the additional requirement that such a reasonable charge be paid to a third party unaffiliated with the creditor. Requires the charge to be: (1) a bona fide third party charge not retained by the mortgage originator, creditor, or an affiliate; or (2) a fee or premium for title examination, title insurance, or similar purposes. Modifies the conditions under which federal departments and agencies may exempt refinancings under a streamlined refinancing from an income verification requirement that, at the time a refinancing is consummated, the consumer has a reasonable ability to repay the loan and all applicable taxes, insurance, and assessments. Repeals the exception for bona fide third party charges not retained by the mortgage originator, creditor, or an affiliate from the requirement that total points and fees not exceed 3% of the total new loan amount. (Thus subjects such charges to the same 3% ceiling.)

consumer mortgage choice act amends truth lending act respect requirements disclosure consumer points fees information consumer credit transaction secured consumer principal dwelling residential mortgage transaction reverse mortgage transaction transaction open end credit plan total points fees consumer pay closing exceed percent total loan whichever greater consumer credit transactions include equity credit line consumer purchases leases charged excludes computation points fees compensation paid mortgage originator creditor individual person employed mortgage originator creditor excludes future payments insurance modifies criteria exclusion computation points fees certain reasonable charges exempted computation finance charge extensions credit secured interest real property excludes points fees reasonable charges creditor receives compensation far creditor affiliate retains compensation result participation affiliated business arrangement affiliated business arrangement person position refer business incident real estate settlement service involving federally related mortgage loan associate person affiliate relationship direct beneficial ownership interest provider settlement services persons directly indirectly refers business provider affirmatively influences provider selection revises additional requirement reasonable charge paid party unaffiliated creditor requires charge bona fide party charge retained mortgage originator creditor affiliate fee premium title examination title insurance similar purposes modifies conditions federal departments agencies exempt refinancings streamlined refinancing income verification requirement time refinancing consummated consumer reasonable ability repay loan applicable taxes insurance assessments repeals exception bona fide party charges retained mortgage originator creditor affiliate requirement total points fees exceed total new loan subjects charges ceiling


Summary: Residential Carbon Monoxide Poisoning Prevention Act - Directs the Consumer Product Safety Commission (CPSC) to publish the American National Standard for Single and Multiple Station Carbon Monoxide Alarms and the American National Standard for Gas and Vapor Detectors and Sensors as mandatory consumer product safety standards. Authorizes the CPSC to initiate a rulemaking to amend either standard to include any provision reasonably necessary to ensure the safe and effective operation of carbon monoxide alarms. Requires the CPSC to establish a grant program to provide assistance to states and local governments that require approved carbon monoxide alarms to be installed in dwelling units to carry out specified carbon monoxide poisoning prevention activities.

cpsc publish american_national_standard_for_single_and_multiple_station_carbon_monoxide_alarms mandatory consumer product safety standards authorizes cpsc initiate rulemaking amend standard include provision reasonably necessary ensure safe effective operation carbon monoxide alarms requires cpsc establish grant program provide assistance states local governments require approved carbon monoxide alarms installed dwelling units carry specified carbon monoxide poisoning prevention activities


Summary: Consumer Food and Product Safety Information Act of 2012 - 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.

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: Senior Financial Empowerment Act of 2012 - Requires the Federal Trade Commission (FTC): (1) to disseminate to seniors and their families and caregivers information on mail, telemarketing, 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. Directs the Attorney General (DOJ) to establish and administer a competitive grant program for mail, telemarketing, and Internet fraud prevention education programs for senior citizens. Expresses the sense of Congress with respect to public awareness of the impact of such fraud on senior citizens and designation of a National Senior Fraud Awareness Week.

senior financial empowerment act requires federal_trade_commission ftc disseminate seniors families caregivers information mail telemarketing 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 directs attorney general doj establish administer competitive grant program mail telemarketing internet fraud prevention education programs senior citizens expresses sense congress respect public awareness impact fraud senior citizens designation


Summary: Sentinel Assurance for Effective Devices Act of 2012 - Amends the Federal Food, Drug, and Cosmetic Act to require the Secretary of Health and Human Services (HHS) to: (1) amend the new drug approval application procedures to make the postmarket risk identification and analysis system applicable, with certain exceptions, to devices; (2) give priority to class II and class III devices; and (3) engage outside stakeholders in development of the system and gather information from them regarding the content of an effective sentinel program through measures involving the public. Exempts the collection of voluntary information from health care providers for purposes of postmarket risk identification for devices from application of provisions for the coordination of federal information policy. Requires the Secretary to issue final regulations concerning a unique device identification system no later than December 31, 2012, and to implement such system for class III devices no later than one year after the date of issuance of final regulations; for implantable, life-sustaining, and life-supporting devices no later than three years after such date; and for all other devices no later than five years after such date.

amends cosmetic act require secretary health_and_human_services hhs amend new drug approval application procedures postmarket risk identification analysis system applicable certain exceptions devices priority class class iii devices engage outside stakeholders development system gather information content effective program measures involving public exempts collection voluntary information health care providers purposes postmarket risk identification devices application provisions coordination federal information policy requires secretary issue final regulations concerning unique device identification system later december implement system class iii devices later year date issuance final regulations implantable life sustaining life supporting devices later years date devices later years date


Summary: Overdraft Protection Act of 2012 - 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 clearly and conspicuously to disclose overdraft coverage fees and that, if a consumer does not opt-in to such overdraft coverage: (1) the consumer's transaction may be declined if there are insufficient funds in the related transaction account, and (2) the consumer will not be charged a fee if such transaction is declined. Subjects to the consumer's written, electronic, or other consent overdraft coverage fees in connection with use of an automatic teller machine (ATM) or point of sale transaction. 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, (2) prompt notification of the account's overdraft status, and (3) the overdraft coverage fee as an annual percentage rate (APR), permitting consumers to compare meaningfully the overdraft coverage to alternative forms of overdraft options and other sources of credit. 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 ATM or 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. Directs the Consumer Financial Protection Bureau (CFPB) to study whether consumers are being subjected to abusive practices with respect to prepaid card overdraft coverage.

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 consumer opt overdraft coverage consumer transaction declined insufficient funds related transaction account consumer charged fee transaction declined subjects consumer written electronic consent overdraft coverage fees connection use automatic teller machine atm point sale transaction requires depository institution provide specified consumer disclosures overdraft protection program including periodic statements transaction account overdraft coverage program feature prompt notification account overdraft status overdraft coverage fee annual percentage rate apr permitting consumers compare meaningfully overdraft coverage alternative forms overdraft options sources credit 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 atm 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 directs consumer_financial_protection_bureau cfpb study consumers subjected abusive practices respect prepaid card overdraft coverage


Summary: Cancer-Free Label Act of 2012 - Directs the head of each federal agency that regulates a covered product to establish a program to permit the labeling of such a product that does not contain any carcinogens as "Cancer-Free." Defines a "covered product" to mean any product offered for sale that is: (1) regulated by the Food and Drug Administration (FDA), the Environmental Protection Agency (EPA), the Department of Agriculture (USDA), or the Consumer Product Safety Commission (CPSC); and (2) intended for individual or residential use. Requires such agency heads to coordinate to develop an easily recognizable label: (1) to be affixed to a covered product to signify that it has been approved for "Cancer-Free" labeling, and (2) to include a notice stating that "This product does not contain known or likely carcinogens that increase your risk of cancer." Prohibits the introduction or offering for introduction into interstate commerce of a covered product affixed with a "Cancer-Free" label if: (1) the head of each federal agency that regulates the product has not approved an application for the labeling of the product as "Cancer-Free," or (2) the product contains any substance that is not listed in such application. Sets forth requirements regarding: (1) application approval and confidentiality; (2) random testing of covered products, random audits of facilities in which such products are manufactured, and measures to ensure compliance with agency guidance; (3) application fees; and (4) penalties for violations. Requires such agency heads to: (1) issue guidance to prevent the introduction of carcinogens into such product during its manufacture, storage, and transportation; and (2) post on the agency's public website a list of all covered products regulated by that agency that have been approved for labeling as "Cancer-Free."

cancer free label act directs head federal agency regulates covered product establish program permit labeling product contain carcinogens cancer free defines covered product mean product offered sale regulated food_and_drug_administration fda environmental_protection_agency epa department_of_agriculture usda consumer_product_safety_commission cpsc intended individual residential use requires agency heads coordinate develop easily label affixed covered product signify approved cancer free labeling include notice stating product contain known likely carcinogens increase risk cancer prohibits introduction offering introduction interstate commerce covered product affixed cancer free label head federal agency regulates product approved application labeling product cancer free product contains substance listed application sets forth requirements application approval confidentiality random testing covered products random audits facilities products manufactured measures ensure compliance agency guidance application fees penalties violations requires agency heads issue guidance prevent introduction carcinogens product manufacture storage transportation post agency public website list covered products regulated agency approved labeling cancer free


Summary: Financial Consumers Association Act of 2012 - Authorizes the establishment of, and sets forth operational requirements for, a nonprofit corporation to be known as the Financial Consumers Association whose mission shall be to advance the rights and remedies available to consumers with respect to financial services, by developing initiatives to reduce the use of dangerous features in financial products and services, and to improve the flow of accurate information to consumers. Includes among the Association's duties to: (1) represent and promote the interests of financial services consumers and negotiate on their behalf, (2) take affirmative measures to encourage membership by low- and moderate-income and minority consumers and disseminate information and advice, (3) monitor the availability and quality of financial services to low- and moderate-income constituencies and the elderly, and (4) develop data to assist financial services consumers in making informed decisions in the marketplace. Gives the Association the right to include inserts in financial services mailings, in paper or by electronic means, that inform customers about the Association and its representation of financial services consumers and solicit information and contributions or membership fees. Requires annual reports to the President and Congress on the Association's activities of the preceding year.

authorizes establishment sets forth operational requirements nonprofit corporation known mission shall advance rights remedies available consumers respect financial services developing initiatives reduce use dangerous features financial products services improve flow accurate information consumers includes association duties represent promote interests financial services consumers negotiate behalf affirmative measures encourage membership low- moderate income minority consumers disseminate information advice monitor availability quality financial services low- moderate income elderly develop data assist financial services consumers making informed decisions marketplace right include financial services mailings paper electronic means inform customers association representation financial services consumers solicit information contributions membership fees requires annual reports president activities preceding year


Summary: Consumer Bounty Act - Directs courts to require defendants to pay a minimum of $10,000 to prevailing plaintiffs in civil actions brought under specified citizen suit provisions of: (1) the Toxic Substances Control Act (TSCA); (2) the Surface Mining Control and Reclamation Act of 1977; (3) the Federal Water Pollution Control Act (commonly known as the Clean Water Act); (4) the Safe Drinking Water Act; (5) the Marine Protection, Research, and Sanctuaries Act of 1972; (6) the Noise Control Act of 1972; (7) the Energy Policy and Conservation Act; (8) the Solid Waste Disposal Act; (9) the Clean Air Act; (10) the Comprehensive Environmental Response, Compensation, and Liability Act of 1980 (CERCLA); (11) the Powerplant and Industrial Fuel Use Act of 1978; (12) the Emergency Planning and Community Right-To-Know Act of 1986; (13) the Outer Continental Shelf Lands Act; and (14) pipeline safety laws. Makes multiple defendants in such actions jointly and severally liable.

consumer act directs courts require defendants pay minimum prevailing plaintiffs civil actions brought specified citizen suit provisions toxic_substances_control_act tsca surface_mining_control reclamation act federal_water_pollution_control_act commonly known clean water act safe drinking water act noise control act energy policy conservation act solid waste disposal act clean air act comprehensive environmental response compensation liability act cercla industrial fuel use act emergency planning community right know act outer_continental_shelf_lands_act pipeline safety laws makes multiple defendants actions jointly severally liable


Summary: Fair Debt Collection Practices Technical Correction Act of 2012 - Amends the Fair Debt Collection Practices Act to exclude from the definition of "debt collector" any law firm or licensed attorney: (1) serving, filing, or conveying formal legal pleadings, discovery requests, or other documents pursuant to the applicable rules of civil procedure; or (2) communicating in, or at the direction of, a court of law or in depositions or settlement conferences, in connection with a pending legal action to collect a debt on behalf of a client.

fair debt collection practices technical correction act amends fair debt collection practices act exclude definition debt collector law firm licensed attorney serving filing conveying formal legal pleadings discovery requests documents pursuant applicable rules civil procedure communicating direction court law settlement conferences connection pending legal action collect debt behalf client