datamatters24/research-document-archive huggingface dataset:
‘‘(D) Fees charged to customers for with-
drawals, deposits, and balance inquiries through 
machines owned by others. 
‘‘(E) Fees charged to noncustomers for 
withdrawals, deposits, and balance inquiries 
through institution-owned machines. 
‘‘(F) Point-of-sale transaction fees. 
‘‘(4) OTHER
ELECTRONIC
TRANSACTIONS.—
Data on other electronic transactions shall include, 
at a minimum, the following: 
‘‘(A) Wire transfer fees. 
‘‘(B) Fees related to payments made over 
the Internet or through other electronic means. 
‘‘(5) OTHER
FEES
AND
CHARGES.—Data on 
any other fees and charges that the Board of Gov-
ernors of the Federal Reserve System determines to 
be appropriate to meet the purposes of this section. 
‘‘(6) FEDERAL RESERVE BOARD AUTHORITY.—
The Board of Governors of the Federal Reserve Sys-
tem may cease the collection of information with re-
gard to any particular fee or charge specified in this 
subsection if the Board makes a determination that, 
on the basis of changing practices in the financial 
services industry, the collection of such information
is no longer necessary to accomplish the purposes of 
this section. 
‘‘(c) ANNUAL REPORT TO CONGRESS REQUIRED.—
‘‘(1) PREPARATION.—The Board of Governors 
of the Federal Reserve System shall prepare a report 
of the results of each survey conducted pursuant to 
subsections (a) and (b) of this section and section 
136(b)(1) of the Consumer Credit Protection Act. 
‘‘(2) CONTENTS OF THE REPORT.—In addition 
to the data required to be collected pursuant to sub-
sections (a) and (b), each report prepared pursuant 
to paragraph (1) shall include a description of any 
discernible trend, in the Nation as a whole, in a rep-
resentative sample of the 50 States (selected with 
due regard for regional differences), and in each 
consolidated metropolitan statistical area (as defined 
by the Director of the Office of Management and 
Budget), in the cost and availability of the retail 
banking services, including those described in sub-
sections (a) and (b) (including related fees and min-
imum balances), that delineates differences between 
institutions on the basis of the type of institution 
and the size of the institution, between large and 
small institutions of the same type, and any engage-
ment of the institution in multistate activity.
†
HR 4040 EAS
tion of subsection (a) of the Secretary’s findings. If the Sec-
retary concludes that there is reasonable cause to believe
that a violation of subsection (a) has occurred, the Secretary
shall accompany the Secretary’s findings with a prelimi-
nary order providing the relief prescribed by paragraph
(3)(B). Not later than 30 days after the date of notification
of findings under this paragraph, either the person alleged
to have committed the violation or the complainant may
file objections to the findings or preliminary order, or both,
and request a hearing on the record. The filing of such objec-
tions shall not operate to stay any reinstatement remedy
contained in the preliminary order. Any such hearing shall
be conducted expeditiously. If a hearing is not requested in
such 30-day period, the preliminary order shall be deemed
a final order that is not subject to judicial review.
‘‘(B)(i) The Secretary shall dismiss a complaint filed
under this subsection and shall not conduct an investigation
otherwise required under subparagraph (A) unless the com-
plainant makes a prima facie showing that any behavior
described in paragraphs (1) through (4) of subsection (a)
was a contributing factor in the unfavorable personnel ac-
tion alleged in the complaint.
‘‘(ii) Notwithstanding a finding by the Secretary that
the complainant has made the showing required under
clause (i), no investigation otherwise required under sub-
III 
109TH CONGRESS 
1ST SESSION 
H. CON. RES. 26
IN THE SENATE OF THE UNITED STATES 
FEBRUARY 14, 2005
Received 
FEBRUARY 17, 2005
Referred to the Committee on Armed Services 
CONCURRENT RESOLUTION 
Honoring the Tuskegee Airmen for their bravery in fighting 
for our freedom in World War II, and for their contribu-
tion in creating an integrated United States Air Force.
Whereas the United States is currently combating terrorism 
around the world and is highly dependent on the global 
reach and presence provided by the Air Force; 
Whereas these operations require the highest skill and devo-
tion to duty from all Air Force personnel involved;
HCON 26 RFS 
Whereas the Tuskegee Airmen proved that such skill and de-
votion, and not skin color, are the determining factors in 
aviation; 
Whereas the Tuskegee Airmen served honorably in the Sec-
ond World War struggle against global fascism; and 
Whereas the example of the Tuskegee Airmen has encouraged 
millions of Americans of every race to pursue careers in 
air and space technology: Now, therefore, be it
Resolved by the House of Representatives (the Senate 
concurring), That it is the sense of Congress that the 
United States Air Force should continue to honor and 
learn from the example provided by the Tuskegee Airmen 
as it faces the challenges of the 21st century and the war 
on terror.
Passed the House of Representatives February 9, 
2005. 
Attest: 
JEFF TRANDAHL, 
Clerk.
IV 
109TH CONGRESS 
1ST SESSION 
H. CON. RES. 270 
Expressing the sense of the Congress to honor those in Pakistan who lost 
their lives as a result of the earthquake that affected South Asia on 
October 8, 2005. 
IN THE HOUSE OF REPRESENTATIVES 
OCTOBER 20, 2005 
Ms. JACKSON-LEE of Texas (for herself and Mr. MEEKS of New York) sub-
mitted the following concurrent resolution; which was referred to the 
Committee on International Relations 
CONCURRENT RESOLUTION 
Expressing the sense of the Congress to honor those in 
Pakistan who lost their lives as a result of the earth-
quake that affected South Asia on October 8, 2005. 
Whereas on Saturday, October 8, 2005, an earthquake reg-
istering 7.6 in magnitude struck Pakistan with an epi-
center near Muzaffarabad, the capital of Pakistani Kash-
mir, approximately 60 miles north northeast of the na-
tion’s capital, Islamabad; 
Whereas the death toll in Pakistan has been estimated at 
25,000, with another 60,000 injured; 
Whereas the earthquake was the strongest to hit the region 
in a century and has severely stretched the resources of 
the Pakistani Government;
•HCON 270 IH 
Whereas bad weather has halted initial relief operations to 
the tens of thousands of injured survivors and the esti-
mated 4,000,000 people who have been affected; 
Whereas the delivery of humanitarian assistance is con-
stricted by the mountainous area, cold weather, and dam-
aged or collapsed infrastructure; 
Whereas the survivors of the earthquake are in need of shel-
ter, blankets, food, medicine, and portable generators; 
Whereas the international relief effort is growing as the 
United States and other countries are sending supplies 
and assistance; 
Whereas the earthquake damaged sanitation systems in the 
region, destroyed hospitals, and left many victims with no 
access to clean drinking water, making them more vul-
nerable to disease; 
Whereas measles and waterborne diseases such as cholera 
and diarrhea could spread quickly among victims of the 
earthquake; and 
Whereas measles, which is deadly for children, is already en-
demic in the region, and only 60 percent of the children 
in the region have been inoculated against the disease: 
Now, therefore, be it 
Resolved by the House of Representatives (the Senate 
concurring), That the Congress— 
(1) mourns the lives lost as a result of the mas-
sive earthquake that struck in Pakistan on October 
8, 2005; and 
(2) recognizes that more needs to be done to 
ensure that those who have survived the earthquake
•HCON 270 IH 
receive ready-to-eat food, clean water, medicine (in-
cluding antibiotics), and electronic goods (including 
batteries). 
Æ
H. R. 1129—4
(2) WITHDRAWAL OF FEDERAL LAND.—On the date of enact-
ment of this Act, if not already withdrawn or segregated from 
entry and appropriation under the public land laws (including 
the mining and mineral leasing laws) and the Geothermal 
Steam Act of 1970 (30 U.S.C. 1001 et seq.), the Federal land 
is withdrawn, subject to valid existing rights, until the date 
of the conveyance of the Federal land to the County. 
(3) WITHDRAWAL OF NON-FEDERAL LAND.—On acquisition 
of the non-Federal land by the Secretary, the non-Federal land 
is permanently withdrawn from all forms of appropriation and 
disposal under the public land laws (including the mining and 
mineral leasing laws) and the Geothermal Steam Act of 1970 
(30 U.S.C. 1001 et seq.). 
(c) BOUNDARY ADJUSTMENTS.—The Secretary, the Secretary of 
the Interior, and the County may agree to—
(1) minor adjustments to the boundaries of the parcels 
of Federal land and non-Federal land; and 
(2) modifications or deletions of parcels and mining claim 
remnants of Federal land or non-Federal land to be exchanged 
on Smuggler Mountain.
Speaker of the House of Representatives.
Vice President of the United States and
President of the Senate.
‘‘(3) SUBMISSION TO CONGRESS.—The Board 
of Governors of the Federal Reserve System shall 
submit an annual report to the Congress not later 
than June 1, 2007, and not later than June 1 of 
each subsequent year. 
‘‘(d) DEFINITIONS.—For purposes of this section, the 
term ‘insured depository institution’ has the meaning 
given such term in section 3 of the Federal Deposit Insur-
ance Act, and the term ‘insured credit union’ has the 
meaning given such term in section 101 of the Federal 
Credit Union Act.’’. 
(2) CONFORMING AMENDMENT.—
(A) IN GENERAL.—Paragraph (1) of sec-
tion 136(b) of the Truth in Lending Act (15 
U.S.C. 1646(b)(1)) is amended to read as fol-
lows: 
‘‘(1) COLLECTION REQUIRED.—The Board shall 
collect, on a semiannual basis, from a broad sample 
of financial institutions which offer credit card serv-
ices, credit card price and availability information 
including—
‘‘(A) the information required to be dis-
closed under section 127(c) of this chapter; 
‘‘(B) the average total amount of finance 
charges paid by consumers; and
I 
109TH CONGRESS 
1ST SESSION H. R. 1129
To authorize the exchange of certain land in the State of Colorado. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 3, 2005
Mr. UDALL of Colorado introduced the following bill; which was referred to 
the Committee on Resources 
A BILL 
To authorize the exchange of certain land in the State of 
Colorado.
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Pitkin County Land 
Exchange Act of 2005’’. 
SEC. 2. PURPOSE. 
The purpose of this Act is to authorize, direct, expe-
dite, and facilitate the exchange of land between the 
United States, Pitkin County, Colorado, and the Aspen 
Valley Land Trust.
SEC. 3. DEFINITIONS. 
In this Act: 
(1) ASPEN VALLEY LAND TRUST.—
(A) IN GENERAL.—The term ‘‘Aspen Val-
ley Land Trust’’ means the Aspen Valley Land 
Trust, a nonprofit organization as described in 
section 501(c)(3) of the Internal Revenue Code 
of 1986. 
(B) INCLUSIONS.—The term ‘‘Aspen Val-
ley Land Trust’’ includes any successor, heir, or 
assign of the Aspen Valley Land Trust. 
(2) COUNTY.—The term ‘‘County’’ means 
Pitkin County, a political subdivision of the State of 
Colorado. 
(3) FEDERAL LAND.—The term ‘‘Federal land’’ 
means the land directed for exchange between the 
United States Forest Service, the Bureau of Land 
Management, and Pitkin County under this Act that 
is comprised of the following parcels: 
(A) The approximately 5.5 acres of Na-
tional Forest System land located in the Coun-
ty, as generally depicted on the map entitled 
‘‘Ryan Land Exchange-Wildwood Parcel Con-
veyance to Pitkin County’’ and dated August 
2004.
(B) The 12 parcels of National Forest Sys-
tem land located in the County totaling ap-
proximately 5.92 acres, as generally depicted on 
the map entitled ‘‘Ryan Land Exchange-Smug-
gler Mountain Patent Remnants Conveyance to 
Pitkin County’’ and dated August 2004. 
(C) The approximately 40 acres of Bureau 
of Land Management land located in the Coun-
ty, as generally depicted on the map entitled 
‘‘Ryan Land Exchange-Crystal River Parcel 
Conveyance to Pitkin County’’ and dated Au-
gust 2004. 
(4) NON-FEDERAL LAND.—The term ‘‘non-Fed-
eral land’’ means the land directed for exchange be-
tween Pitkin County and the United States Forest 
Service under this Act that is comprised of the fol-
lowing parcels: 
(A) The approximately 35 acres of non-
Federal land in the County, as generally de-
picted on the map entitled ‘‘Ryan Land Ex-
change-Ryan Property Conveyance to Forest 
Service’’ and dated August 2004. 
(B) The approximately 18.2 acres of non-
Federal land located on Smuggler Mountain in 
the County, as generally depicted on the map
IV 
109TH CONGRESS 
1ST SESSION 
H. CON. RES. 272 
Expressing support for the current standards of the Federal mortgage interest 
tax deduction. 
IN THE HOUSE OF REPRESENTATIVES 
OCTOBER 20, 2005 
Mr. WEXLER (for himself and Ms. HARRIS) submitted the following concur-
rent resolution; which was referred to the Committee on Ways and Means 
CONCURRENT RESOLUTION 
Expressing support for the current standards of the Federal 
mortgage interest tax deduction. 
Whereas the President’s Advisory Panel on Federal Tax Re-
form released its initial recommendations to revise the 
Internal Revenue Code of 1986 on October 11, 2005; 
Whereas the Panel’s initial recommendations included a pro-
posed reduction from the current $1,000,000 cap on 
mortgage values to the Federal Housing Authority loan 
limitation, which is estimated at a $300,000 cap on mort-
gage values eligible for tax deductions for interest paid 
on such mortgages; 
Whereas average home prices in many housing markets 
across the Nation far exceed the suggested mortgage 
value cap of $300,000;
•HCON 272 IH 
Whereas home equity is a significant source of economic sta-
bility and wealth accumulation for Americans of all socio- 
economic classes; 
Whereas the Panel’s initial recommendation to reduce the 
current cap on mortgage values eligible for tax deduc-
tions on interest will result in a substantial tax increase 
for middle-income families and serve as a disincentive to 
pursue the longstanding tradition of homeownership, 
which is the cornerstone of the American dream and a 
pillar of United States housing policy; and 
Whereas Executive Order 13369, which created the Presi-
dent’s Advisory Panel on Federal Tax Reform, states 
that the panel should recognize ‘‘the importance of home-
ownership and charity in American society’’: Now, there-
fore, be it 
Resolved by the House of Representatives (the Senate 
concurring), That the Congress— 
(1) supports the current standards of the mort-
gage interest tax deduction, as outlined in section 
163 of the Internal Revenue Code of 1986; and 
(2) opposes the initial recommendation of the 
President’s Advisory Panel on Federal Tax Reform 
to reduce the $1,000,000 limit on mortgage values 
eligible for deductions for interest paid on such 
mortgages. 
Æ
entitled 
‘‘Ryan 
Land 
Exchange-Smuggler 
Mountain-Grand Turk and Pontiac Claims Con-
veyance to Forest Service’’. 
(5) SECRETARY.—The term ‘‘Secretary’’ means 
the Secretary of Agriculture. 
SEC. 4. LAND EXCHANGE. 
(a) IN GENERAL.—If the County offers to convey to 
the United States title to the non-Federal land that is ac-
ceptable to the Secretary, the Secretary and the Secretary 
of the Interior shall—
(1) accept the offer; and 
(2) on receipt of acceptable title to the non-
Federal land, simultaneously convey to the County, 
or at the request of the County, to the Aspen Valley 
Land Trust, all right, title, and interest of the 
United States in and to the Federal land, subject to 
all valid existing rights and encumbrances. 
(b) TIMING.—
(1) IN GENERAL.—Except as provided in para-
graph (2), it is the intent of Congress that the land 
exchange directed by this Act shall be completed not 
later than 1 year after the date of enactment of this 
Act.
(2) EXCEPTION.—The Secretary, the Secretary 
of the Interior, and the County may agree to extend 
the deadline specified in paragraph (1). 
SEC. 5. EXCHANGE TERMS AND CONDITIONS. 
(a) EQUAL VALUE EXCHANGE.—The value of the 
Federal land and non-Federal land directed to be ex-
changed under this Act—
(1) shall be equal; or 
(2) shall be made equal in accordance with sub-
section (c). 
(b) APPRAISALS.—
(1) IN
GENERAL.—The value of the Federal 
land and non-Federal land shall be determined by 
the Secretary through appraisals conducted in ac-
cordance with—
(A) the Uniform Appraisal Standards for 
Federal Land Acquisitions; 
(B) the Uniform Standards of Professional 
Appraisal Practice; and 
(C) Forest Service appraisal instructions. 
(2) VALUE OF CERTAIN FEDERAL LAND.—In 
conducting the appraisal of the parcel of Federal 
land described in section 3(3)(C), the appraiser shall 
not consider the easement required for that parcel
under subsection (d)(1) for purposes of determining 
the value of that parcel. 
(c) EQUALIZATION OF VALUES.—
(1) SURPLUS OF NON-FEDERAL LAND.—If the 
final appraised value of the non-Federal land ex-
ceeds the final appraised value of the Federal land, 
the County shall donate to the United States the ex-
cess value of the non-Federal land, which shall be 
considered to be a donation for all purposes of law. 
(2) SURPLUS OF FEDERAL LAND.—
(A) IN GENERAL.—If the final appraised 
value of the Federal land exceeds the final ap-
praised value of the non-Federal land, the value 
of the Federal land and non-Federal land may 
be equalized by the County—
(i) making a cash equalization pay-
ment to the Secretary; 
(ii) conveying to the Secretary certain 
land located in the County, comprising ap-
proximately 160 acres, as generally de-
picted on the map entitled ‘‘Sellar Park 
Parcel’’ and dated August 2004; or 
(iii) using a combination of the meth-
ods described in clauses (i) and (ii), as the
109TH CONGRESS 
1ST SESSION 
H. CON. RES. 273
CONCURRENT RESOLUTION
Whereas on December 1, 1955, Rosa Parks, an African 
American seamstress in Montgomery, Alabama, was ar-
rested for refusing to obey a busdriver’s order to give up 
her seat on a city bus for a White passenger boarding the 
bus, as required by city ordinance; 
Whereas outrage over the arrest of Rosa Parks initiated a 
meeting that weekend between the Reverend Ralph Aber-
•HCON 273 EH 
nathy, the Reverend Martin Luther King, Jr., Jo Ann 
Robinson, who was the head of the Women’s Political 
Council, and E.D. Nixon, who was the Montgomery offi-
cial for the National Association for the Advancement of 
Colored People, also known as the NAACP; 
Whereas this meeting resulted in the announcement of a 
large-scale boycott against Montgomery city buslines; 
Whereas ministers voiced the communal outrage over Rosa 
Parks’s arrest during Sunday services, unifying the Afri-
can American community in Montgomery as the min-
isters conveyed the message of the boycott; 
Whereas members of the community continued to spread the 
news of the boycott by disseminating leaflets encouraging 
participation in the boycott; 
Whereas through nonviolent means and the support of min-
isters and African American and White citizens alike, the 
Montgomery bus boycott and the beginning of the civil 
rights movement gained national attention; 
Whereas Rosa Parks became and remains an icon of pride 
and dignity, establishing a standard that has continued 
through the civil rights movement; 
Whereas Martin Luther King, Jr., became the president of 
the Montgomery Improvement Association, also known as 
the MIA, and helped organize the boycott with other civil 
rights leaders, such as Ralph Abernathy; and 
Whereas the Montgomery bus boycott ended after the United 
States Supreme Court, on November 13, 1956, upheld a 
Federal district court ruling declaring segregation on 
buses unconstitutional: Now, therefore, be it
•HCON 273 EH 
Resolved by the House of Representatives (the Senate 
concurring), That Congress—
(1) recognizes and honors the 50th anniversary 
of the Montgomery bus boycott; and 
(2) recognizes the historical significance of the 
Montgomery bus boycott to the United States.
Passed the House of Representatives December 6, 
2005. 
Attest:
Clerk.
109TH CONGRESS 
1ST SESSION 
H. CON. RES. 273
CONCURRENT RESOLUTION 
Recognizing the 50th anniversary of the 
Montgomery bus boycott.
Secretary and the County determine to be 
appropriate. 
(B) DISPOSITION
AND
USE
OF
PRO-
CEEDS.—
(i) DISPOSITION OF PROCEEDS.—Any 
cash equalization payment received by the 
Secretary under subparagraph (A)(i) shall 
be deposited in the fund established by 
Public Law 90–171 (commonly known as 
the ‘‘Sisk Act’’) (16 U.S.C. 484a). 
(ii) USE OF PROCEEDS.—Amounts de-
posited under clause (i) shall be available 
to the Secretary, without further appro-
priation, for the acquisition of land or in-
terests in lands in Colorado for addition to 
the National Forest System. 
(d) CONDITIONS ON CERTAIN CONVEYANCES.—
(1) CONDITIONS ON CONVEYANCE OF CRYSTAL 
RIVER PARCEL.—
(A) IN GENERAL.—The Secretary of the 
Interior shall not convey to the County the par-
cel of land described in section 3(3)(C) until the 
County grants to the Aspen Valley Land Trust, 
the Roaring Fork Conservancy, or any other en-
tity acceptable to the Secretary of the Interior
‘‘(C) the following credit card rates and 
fees: 
‘‘(i) Application fees. 
‘‘(ii) Annual percentage rates for cash 
advances and balance transfers. 
‘‘(iii) Maximum annual percentage 
rate that may be charged when an account 
is in default. 
‘‘(iv) Fees for the use of convenience 
checks. 
‘‘(v) Fees for balance transfers. 
‘‘(vi) Fees for foreign currency con-
versions.’’. 
(B) EFFECTIVE
DATE.—The amendment 
made by subparagraph (A) shall take effect on 
January 1, 2006. 
(3) REPEAL OF OTHER REPORT PROVISIONS.—
Section 1002 of Financial Institutions Reform, Re-
covery, and Enforcement Act of 1989 and section 
108 of the Riegle-Neal Interstate Banking and 
Branching Efficiency Act of 1994 are hereby re-
pealed. 
(d) TECHNICAL AND CONFORMING AMENDMENTS.—
Section 19 of the Federal Reserve Act (12 U.S.C. 461) 
is amended—
and the County, a permanent conservation ease-
ment to the parcel, the terms of which—
(i)(I) provide public access to the par-
cel; and 
(II) require that the parcel shall be 
used only for recreational, fish and wildlife 
conservation, and open space purposes; 
and 
(ii) are acceptable to the Secretary of 
the Interior. 
(B) REVERSION.—In the deed of convey-
ance that conveys the parcel of land described 
in section 3(3)(C) to the County, the Secretary 
of the Interior shall provide that title to the 
parcel shall revert to the United States at no 
cost to the United States if—
(i) the parcel is used for a purpose 
other than that described in subparagraph 
(A)(i)(II); or 
(ii) the County or the entity holding 
the conservation easement elect to dis-
continue administering the parcel. 
(2) CONDITIONS
ON
CONVEYANCE
OF
WILD-
WOOD PARCEL.—
(A) IN
GENERAL.—Before the Secretary 
conveys to the County the parcel described in 
section 3(3)(A), the Secretary shall require the 
County, at the expense of the County, to trans-
mit to the Secretary a quitclaim deed to the 
parcel that permanently relinquishes any claim 
that, before the date of introduction of this Act, 
was brought against the United States assert-
ing the right, title, or interest of the claimant 
in and to the parcel. 
(B) RESERVATION OF EASEMENT.—In the 
deed of conveyance of the parcel described in 
section 3(3)(A) to the County, or at request of 
the County, to the Aspen Valley Land Trust, 
the Secretary shall, as determined to be appro-
priate by the Secretary in consultation with the 
County, reserve to the United States a perma-
nent easement to the parcel for the location, 
construction, and public use of the East of 
Aspen Trail. 
SEC. 6. MISCELLANEOUS PROVISIONS. 
(a) INCORPORATION, MANAGEMENT, AND STATUS OF 
ACQUIRED LAND.—