datamatters24/research-document-archive huggingface dataset:
I
107TH CONGRESS
1ST SESSION
H. R. 1046
To require cigarette products to be placed under or behind the counter
in retail sales.
IN THE HOUSE OF REPRESENTATIVES
MARCH 15, 2001
Mr. ANDREWS introduced the following bill; which was referred to the
Committee on Energy and Commerce
A BILL
To require cigarette products to be placed under or behind
the counter in retail sales.
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled,
SECTION 1. RETAIL SALES OF CIGARETTE PRODUCTS.
(a) PRODUCT PLACEMENT.—Any person engaged in
the retail sales of cigarette products shall place such prod-
ucts under or behind a counter and not out on the floor
of the retail sales facility.
(b) PENALTY.—A person who violates subsection (a)
shall be considered to have engaged in a deceptive act or
practice in violation of section 5 of the Federal Trade
Commission Act (15 U.S.C. 45).
Æ
I
107TH CONGRESS
1ST SESSION
H. R. 1047
To amend the Electronic Fund Transfer Act to prohibit any operator of
an automated teller machine that displays any paid advertising from
imposing any fee on a consumer for the use of that machine, and
for other purposes.
IN THE HOUSE OF REPRESENTATIVES
MARCH 15, 2001
Mr. ANDREWS introduced the following bill; which was referred to the
Committee on Financial Services
A BILL
To amend the Electronic Fund Transfer Act to prohibit
any operator of an automated teller machine that dis-
plays any paid advertising from imposing any fee on
a consumer for the use of that machine, and for other
purposes.
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 ‘‘Access to Money
(ATM) Act of 2001’’.
SEC. 2. PROHIBITION ON USER FEES FOR AUTOMATED
TELLER MACHINES THAT CARRY PAID AD-
VERTISING.
The Electronic Fund Transfer Act (15 U.S.C.
1693 et seq.) is amended—
(1) by redesignating sections 918, 919, 920,
and 921 as sections 919, 920, 921, and 922, respec-
tively; and
(2) by inserting after section 917 the following
new section:
‘‘SEC. 918. FEES.
‘‘(a) IN GENERAL.—If an automated teller machine
or other cash dispensing machine at which a consumer
may initiate an electronic fund transfer displays any ad-
vertising on the screen of such machine, whether in the
form of a banner or a trailer or in any other format, for
which the operator of such machine has received any pay-
ment or other financial benefit, no fee may be imposed
on the consumer with respect to such transaction by the
operator of such machine, whether or not the consumer
maintains an account with the operator.
‘‘(b) EXCEPTION FOR DIRECT ADVERTISING BY THE
OPERATOR AND PUBLIC SERVICE ANNOUNCEMENTS.—
Subsection (a) shall not apply with respect to—
‘‘(1) advertising relating to products or services
provided by the operator of an automated teller ma-
chine or cash dispensing machine referred to in such
subsection or by any affiliate of such operator; or
‘‘(2) any public service announcement.’’.
Æ
I
107TH CONGRESS
1ST SESSION
H. R. 1048
To facilitate transfers between interest-bearing accounts and transactions
accounts at depository institutions for small businesses.
IN THE HOUSE OF REPRESENTATIVES
MARCH 15, 2001
Mr. ANDREWS introduced the following bill; which was referred to the
Committee on Financial Services
A BILL
To facilitate transfers between interest-bearing accounts and
transactions accounts at depository institutions for small
businesses.
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 ‘‘Small Business Bank-
ing Improvement Act’’.
SEC. 2. IMMEDIATE INCREASE IN THE NUMBER OF COM-
MERCIAL INTERACCOUNT TRANSFERS AL-
LOWED EACH MONTH.
Section 2 of Public Law 93–100 (12 U.S.C. 1832)
is amended—
(1) by redesignating subsections (b) and (c) as
subsections (c) and (d), respectively; and
(2) by inserting after subsection (a) the fol-
lowing new subsection:
‘‘(b) INTERACCOUNT TRANSFERS.—
‘‘(1) IN GENERAL.—Notwithstanding any other
provision of law, any depository institution may per-
mit the owner of any deposit or account on which in-
terest or dividends are paid and which is not a de-
posit or account described in subsection (a)(2) to
make up to 24 transfers per month, for any purpose,
to another account of the owner in the same institu-
tion.
‘‘(2) RULE OF CONSTRUCTION.—No provision
of this subsection shall be construed as preventing
an account offered pursuant to this subsection from
being considered a transaction account (as defined
in section 19(b) of the Federal Reserve Act) for pur-
poses of such Act.’’.
Æ
I
107TH CONGRESS
1ST SESSION
H. R. 104
To repeal the Bennett Freeze thus ending a gross treaty violation with
the Navajo Nation and allowing the Navajo Nation to live in habitable
dwellings and raise their living conditions, and for other purposes.
IN THE HOUSE OF REPRESENTATIVES
JANUARY 3, 2001
Mr. HAYWORTH introduced the following bill; which was referred to the
Committee on Resources
A BILL
To repeal the Bennett Freeze thus ending a gross treaty
violation with the Navajo Nation and allowing the Navajo
Nation to live in habitable dwellings and raise their living
conditions, and for other purposes.
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled,
SECTION 1. FINDINGS.
The Congress finds that—
(1) the Navajo Nation is one of the largest and
most economically depressed Indian reservations in
the United States;
(2) the Bennett Freeze, named after former
Bureau of Indian Affairs Commissioner Robert Ben-
nett, was administratively issued in 1966 to restrict
the Navajo tribe from constructing and repairing
their dwellings on land that was subject to a land
dispute with the Hopi Tribe;
(3) the Bennett Freeze has affected 1,500,000
acres of land, approximately 9 percent of the total
acreage of the Navajo Nation, covering 10 chapters
and affecting nearly 8,000 people;
(4) only 3 percent of the families affected by
the Bennett Freeze have electricity and only 10 per-
cent have running water;
(5) since 1966, the population has increased by
approximately 65 percent in the Bennett Freeze
area, forcing several generations of families to live
together in dwellings that have been declared unfit
for human habitation;
(6) members of the medical community confirm
that overcrowding and the absence of running water,
refrigeration, and adequate sewage disposal ad-
versely impact the mental and physical health of
Navajos residing in the Bennett Freeze area;
(7) the Bennett Freeze has halted essential con-
struction, including power line extensions, waterline
extensions, road improvements, and community fa-
cilities improvements;
(8) when the Bennett Freeze was temporarily
lifted in 1992, an ambitious $20,000,000 construc-
tion plan for new dwellings was proposed that would
have raised living conditions and increased the eco-
nomic viability of the Bennett Freeze area, however,
the plan did not become a reality because a Federal
judge reinstated the freeze;
(9) the Federal Government has not taken the
steps necessary to end the Bennett Freeze in this al-
ready economically depressed community; and
(10) the Bennett Freeze is a gross violation of
treaty obligations to the Navajo Nation.
SEC. 2. REPEAL OF THE BENNETT FREEZE.
Section 10(f) of Public Law 93–531 (25 U.S.C.
640d–9(f)) is repealed.
Æ
(b) POINTS AND FEES.—Section 103(aa)(4) of the
Truth in Lending Act (15 U.S.C. 1602(aa)(4)) is
amended—
(1) by striking subparagraph (B) and inserting
the following new subparagraph:
‘‘(B) all compensation paid directly or indi-
rectly by a consumer or a creditor to a mort-
gage broker;’’;
(2) by redesignating subparagraph (D) as sub-
paragraph (F); and
(3) by striking subparagraph (C) and inserting
the following new subparagraphs:
‘‘(C) each of the charges listed in section
106(e) (except an escrow for future payment of
taxes and insurance);
‘‘(D) the cost of all premiums financed by
the lender, directly or indirectly, for any credit
life, credit disability, credit unemployment or
credit property insurance, or any other life or
health insurance, or any payments financed by
the lender, directly or indirectly, for any debt
cancellation or suspension agreement or con-
tract, except that, for purposes of this subpara-
graph, insurance premiums or debt cancellation
or suspension fees calculated and paid on a
(c) EFFECTIVE DATE.—The amendments made by
this section shall apply to taxable years beginning after
December 31, 2001.
Æ
SECTION 1. SHORT TITLE.
(a) SHORT TITLE.—This Act may be cited as the
‘‘Consumer Credit Card Protection Amendments of
2001’’.
(b) REFERENCE.—Whenever in this Act an amend-
ment or repeal is expressed in terms of an amendment
to, or repeal of, a section or other provision, the reference
shall be considered to be made to a section or other provi-
sion of the Consumer Credit Protection Act (15 U.S.C.
1601 et seq.).
SEC. 2. DISCLOSURES REGARDING MINIMUM MONTHLY
PAYMENTS.
(a) IN GENERAL.—Section 127(a)(3) of the Con-
sumer Credit Protection Act (15 U.S.C. 1637(a)(3)) is
amended by inserting before the period at the end the fol-
lowing: ‘‘, or the method of determining the required min-
imum payment amount, if a minimum payment is required
that is different from the amount of any finance charge,
and the charges or penalties, if any, which may be imposed
for failure by the obligor to pay the required finance
charge or minimum payment amount’’.
(b) REPAYMENT INFORMATION.—Section 127(b) (15
U.S.C. 1637(b)) is amended by adding at the end the fol-
lowing:
‘‘(11) In a clear and conspicuous manner, re-
payment information that would apply to the out-
‘‘(B) the creditor advised or encouraged
the consumer to waive such right of the con-
sumer; or
‘‘(C) the creditor had any discussion with
the consumer about a waiver of such right dur-
ing the period beginning when the consumer
provides written acknowledgement of the receipt
of the disclosures and the delivery of forms and
information required to be provided to the con-
sumer under paragraph (1) and ending at such
time as the Board determines, by regulation, to
be appropriate.’’.
(b) NONCOMPLIANCE
WITH
REQUIREMENTS
AS
RECOUPMENT IN FORECLOSURE PROCEEDING.—Section
130(e) of the Truth in Lending Act (15 U.S.C. 1640(e))
is amended by inserting after the 2d sentence the following
new sentence: ‘‘This subsection also does not bar a person
from asserting a rescission under section 125, in an action
to collect the debt as a defense to a judicial or nonjudicial
foreclosure after the expiration of the time periods for af-
firmative actions set forth in this section and section
125.’’.
‘‘(B) SCOPE OF REVIEW.—In such an ac-
tion, the validity and appropriateness of the
Secretary’s determination or order imposing the
penalty shall not be subject to review.
‘‘(C) RECOVERY OF COSTS OF FEDERAL
ACTION.—The money judgment may, in the
court’s discretion, include the attorneys fees
and other expenses incurred by the United
States in connection with the action.
‘‘(8) SETTLEMENT BY SECRETARY.—The Sec-
retary may compromise, modify, or remit any civil
money penalty which may be imposed under this
subsection.
‘‘(9) REGULATIONS.—The Secretary shall issue
such regulations as the Secretary deems appropriate
to implement this subsection.
‘‘(10) RETENTION AND USE OF PENALTIES.—
Notwithstanding any other provisions of law, all civil
money penalties collected under this subsection shall
be deposited in a revolving fund established by the
Secretary, to be available without fiscal year limita-
tion for enforcement of the requirements of this title
and for data improvement activities of the Secretary
in connection with the reporting requirements of this
title.’’.
SEC. 9. ALTERNATIVE ENFORCEMENT BY STATES.
Section 305 of the Home Mortgage Disclosure Act
of 1975 (12 U.S.C. 2804) is amended by inserting after
subsection (c) (as added by section 8 of this Act) the fol-
lowing new subsection:
‘‘(d) ALTERNATIVE ENFORCEMENT BY STATES.—
‘‘(1) STATE REQUEST FOR ENFORCEMENT AC-
TION.—A State may request in writing that the Sec-
retary take an action permitted under subsection (c)
to enforce compliance with the Act by a depository
institution doing business within such State.
‘‘(2) STATE
ENFORCEMENT
ACTION.—If the
Secretary fails to initiate any action requested by a
State in accordance with paragraph (1) within 30
days of receipt of such a request, the State shall
have the authority to bring an action against such
depository institution to impose any penalty per-
mitted under subsection (c).
‘‘(3) VENUE.—An enforcement action under
paragraph (2) may be brought in any United States
district court in which such depository institution
does business within the State.’’.
Æ
I
107TH CONGRESS
1ST SESSION
H. R. 1058
To amend the Truth in Lending Act to prohibit the distribution of any
check or other negotiable instrument as part of a solicitation by a
creditor for an extension of credit, to limit the liability of consumers
in conjunction with such solicitations, and for other purposes.
IN THE HOUSE OF REPRESENTATIVES
MARCH 15, 2001
Mr. LAFALCE (for himself, Mr. KANJORSKI, Mrs. MALONEY of New York, Mr.
GUTIERREZ, MS. LEE, Mrs. JONES of Ohio, Mr. CAPUANO, Mr. CLAY,
Mr. HINCHEY, and Ms. SCHAKOWSKY) introduced the following bill;
which was referred to the Committee on Financial Services
A BILL
To amend the Truth in Lending Act to prohibit the distribu-
tion of any check or other negotiable instrument as part
of a solicitation by a creditor for an extension of credit,
to limit the liability of consumers in conjunction with
such solicitations, and for other purposes.
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 ‘‘Unsolicited Loan
Check Consumer Protection Act of 2001’’.
SEC. 2. UNSOLICITED LOAN CHECKS PROHIBITED.
(a) IN GENERAL.—Chapter 2 of the Consumer Credit
Protection Act (15 U.S.C. 1631 et seq.) is amended by
adding at the end the following new section:
‘‘SEC. 140. SOLICITATIONS FOR CONSUMER LOANS.
‘‘(a) ‘LIVE’ LOAN CHECKS PROHIBITED.—No con-
sumer credit which is otherwise subject to this title may
be extended by any creditor through the use of a check
or other negotiable instrument which has been sent by the
creditor to the consumer in connection with a solicitation
by the creditor for such extension of credit, unless the con-
sumer has submitted an application for, or otherwise re-
quested, such extension of credit before receiving the check
or instrument.
‘‘(b) CONSUMER NOT LIABLE.—If any creditor in-
cludes a check or other negotiable instrument in a solicita-
tion to a consumer for an extension of credit sent by a
creditor to a consumer in violation of subsection (a)—
‘‘(1) the consumer shall not be liable for the
amount of any such check or other negotiable instru-
ment; and
‘‘(2) no information on any liability of the con-
sumer alleged by the creditor to have been estab-
lished through such check or other negotiable instru-
ment may be reported to or received by any credit
agency (as defined in section 603 of the Fair Credit
Reporting Act) or included in any consumer credit
report under such Act.
‘‘(c) REGULATIONS.—
‘‘(1) REGULATIONS REQUIRED.—
‘‘(A) IN GENERAL.—Before the end of the
6-month period beginning on the date of the en-
actment of the Unsolicited Loan Check Con-
sumer Protection Act of 1999, the Board shall
prescribe final regulations to implement the re-
quirements of this section.
‘‘(B) MODIFICATIONS.—The Board shall
modify and clarify any regulation prescribed
under subparagraph (A) whenever the Board
determines such action to be necessary to pre-
vent any circumvention of the requirements of
this section or to facilitate compliance with such
requirements.
‘‘(2) LIMITATIONS ON ‘LOOK-ALIKE’ CHECKS.—
‘‘(A) REGULATIONS
AUTHORIZED.—The
Board may, if the Board finds that such action
is necessary to prevent confusion by consumers,
prescribe regulations setting forth guidelines for
the use, in a solicitation for an extension of
credit, of certificates, vouchers, or other non-
negotiable instruments that are intended to
have the appearance of a check or other nego-
tiable instrument, but which do not violate sub-
section (a) of this section.
‘‘(B) DISCLOSURES AND OTHER REQUIRE-
MENTS.—Any regulation prescribed under sub-
paragraph (A) shall include such disclosures
and modifications relating to the appearance
and use of certificates, vouchers, or other non-
negotiable instruments in a solicitation for an
extension of credit as the Board determines
necessary or appropriate.’’.
(b) CLERICAL AMENDMENT.—The table of sections
for chapter 2 of the Consumer Credit Protection Act is
amended by adding at the end the following new item:
‘‘140. Solicitations for consumer loans.’’.
(c) SCOPE OF APPLICATION.—The requirements of
this Act and the amendments made by this Act shall apply
to solicitations for extensions of credit made to consumers
after the date of enactment of this Act.
Æ
I
107TH CONGRESS
1ST SESSION
H. R. 1059
To require insured depository institutions to make affordable transaction
accounts available to their customers, and for other purposes.
IN THE HOUSE OF REPRESENTATIVES
MARCH 15, 2001
Mr. LAFALCE (for himself, Mr. KANJORSKI, Mr. GUTIERREZ, Ms. LEE, Mrs.
JONES of Ohio, Mr. CAPUANO, Mr. CLAY, Mr. HINCHEY, and Ms.
SCHAKOWSKY) introduced the following bill; which was referred to the
Committee on Financial Services
A BILL
To require insured depository institutions to make affordable
transaction accounts available to their customers, and
for other purposes.
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 ‘‘Consumer Affordable
Transaction Account Act of 2001’’.
SEC. 2. AFFORDABLE BANKING SERVICES.
(a) IN GENERAL.—Except as otherwise provided in
this section, each insured depository institution shall make
available to consumers a consumer transaction account,
to be known as an ‘‘affordable transaction account’’, with
the following features to be prescribed jointly by the Fed-
eral banking agencies, by regulation:
(1) INITIAL DEPOSIT.—The maximum amount
which an insured depository institution may require
as an initial deposit, if any.
(2) 
MINIMUM
BALANCE.—The 
maximum
amount an insured depository institution may re-
quire as a minimum balance, if any, to maintain
such account.
(3) 
MINIMUM
NUMBER
OF
FREE
WITH-
DRAWALS.—A minimum of 8 withdrawal trans-
actions, including withdrawals by negotiable or
transferable instruments for the purpose of making
payments to third parties and electronic fund trans-
fers, during any periodic cycle at no additional
charge to the account holder.
(4) MAXIMUM
MONTHLY
SERVICE
CHARGE.—
The maximum amount an insured depository institu-
tion may charge per periodic cycle for the use of
such account.
(b) FEES FOR WITHDRAWAL TRANSACTIONS IN EX-
CESS OF MINIMUM NUMBER OF FREE WITHDRAWALS.—
(1) IN GENERAL.—Subject to paragraph (2), in
the case of any affordable transaction account—
(4) Appeals from the decisions of the Chair relating
to the application of the regulations of the Senate or the
House of Representatives, as the case may be, to the pro-
cedure relating to the bill shall be decided without debate.
(d) FINAL PASSAGE.—A vote on final passage of a
bill described in subsection (b) shall be taken in a House
of Congress on or before the close of the 60th calendar
day after the date of the introduction of the bill in that
House.
(e) EXCEPTION.—A motion to suspend the applica-
tion of subsections (c) and (d) is in order in either House
of Congress and shall be considered as passed or agreed
to by a vote of a majority of the Members voting. Upon
the passage of such a motion, the bill shall be considered
in the same manner as other bills.
(f) TREATMENT
IF
THE
OTHER
HOUSE
HAS
ACTED.—(1) If, before the passage by one House of a bill
introduced in that House described in subsection (b), that
House receives from the other House a bill described in
subsection (b) comprised of the same text, then—
(A) the bill of the other House shall not be re-
ferred to a committee and may not be considered in
the House receiving it except in the case of final
passage as provided in subparagraph (B)(ii); and
I
107TH CONGRESS
1ST SESSION
H. R. 1063
To enhance competition for prescription drugs by increasing the ability of
the Department of Justice and Federal Trade Commission to enforce
existing antitrust laws regarding brand name drugs and generic drugs.
IN THE HOUSE OF REPRESENTATIVES
MARCH 15, 2001
Mr. ANDREWS introduced the following bill; which was referred to the Com-
mittee on Energy and Commerce, and in addition to the Committee on
the Judiciary, for a period to be subsequently determined by the Speaker,
in each case for consideration of such provisions as fall within the juris-
diction of the committee concerned
A BILL
To enhance competition for prescription drugs by increasing
the ability of the Department of Justice and Federal
Trade Commission to enforce existing antitrust laws re-
garding brand name drugs and generic drugs.
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 ‘‘Drug Competition Act
of 2001’’.
SEC. 2. FINDINGS.
Congress finds that—
I
107TH CONGRESS
1ST SESSION
H. R. 1062
To amend the Internal Revenue Code of 1986 to allow a credit against
income tax to C corporations which have substantial employee ownership
and to encourage stock ownership by employees by excluding from gross
income stock paid as compensation for services, and for other purposes.
IN THE HOUSE OF REPRESENTATIVES
MARCH 15, 2001
Mr. ANDREWS introduced the following bill; which was referred to the
Committee on Ways and Means
A BILL
To amend the Internal Revenue Code of 1986 to allow a
credit against income tax to C corporations which have
substantial employee ownership and to encourage stock
ownership by employees by excluding from gross income
stock paid as compensation for services, and for other
purposes.
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 ‘‘Employee Participa-
tion Incentive Act of 2001’’.
(1) prescription drug costs are increasing at an
alarming rate and are a major worry of senior citi-
zens and American families;
(2) there is a potential for drug companies own-
ing patents on brand-name drugs to enter in private
financial deals with generic drug companies in a
manner that could tend to restrain trade and greatly
reduce competition and increase prescription drug
costs for American citizens; and
(3) enhancing competition between generic drug
manufacturers and brand name manufacturers can
significantly reduce prescription drug costs to Amer-
ican families.
SEC. 3. PURPOSE.
The purposes of this Act are—
(1) to provide timely notice to the Department
of Justice and the Federal Trade Commission re-
garding agreements between companies owning pat-
ents on brand name drugs and companies who could
manufacture generic or bioequivalent versions of
such brand name drugs; and
(2) by providing timely notice, to—
(A) enhance the effectiveness and effi-
ciency of the enforcement of the antitrust laws
of the United States; and