jiayi-li23/proxann_data huggingface dataset:
Topic: Domestic Commerce — Consumer Safety
Subject: Commerce
Date: 2011-07-18 00:00:00

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.
Topic: Domestic Commerce — Consumer Safety
Subject: Commerce
Date: 2011-07-21 00:00:00

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.
Topic: Domestic Commerce — Consumer Safety
Subject: Commerce
Date: 2011-09-07 00:00:00

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).
Topic: Domestic Commerce — Consumer Safety
Subject: Agriculture and food
Date: 2011-11-03 00:00:00

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.
Topic: Domestic Commerce — Consumer Safety
Subject: Commerce
Date: 2011-11-17 00:00:00

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.
Topic: Domestic Commerce — Consumer Safety
Subject: Finance and financial sector
Date: 2012-02-01 00:00:00

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.
Topic: Domestic Commerce — Consumer Safety
Subject: Agriculture and food
Date: 2012-02-08 00:00:00

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.
Topic: Domestic Commerce — Consumer Safety
Subject: Finance and financial sector
Date: 2012-02-28 00:00:00

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.
Topic: Domestic Commerce — Consumer Safety
Subject: Commerce
Date: 2012-03-19 00:00:00

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.
Topic: Domestic Commerce — Consumer Safety
Subject: Commerce
Date: 2012-03-19 00:00:00

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.
Topic: Domestic Commerce — Consumer Safety
Subject: Housing and community development
Date: 2012-03-29 00:00:00

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.)
Topic: Domestic Commerce — Consumer Safety
Subject: Commerce
Date: 2012-03-29 00:00:00

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.
Topic: Domestic Commerce — Consumer Safety
Subject: Commerce
Date: 2012-04-25 00:00:00

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.
Topic: Domestic Commerce — Consumer Safety
Subject: Crime and law enforcement
Date: 2012-04-26 00:00:00

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.
Topic: Domestic Commerce — Consumer Safety
Subject: Health
Date: 2012-05-07 00:00:00

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.
Topic: Domestic Commerce — Consumer Safety
Subject: Finance and financial sector
Date: 2012-05-09 00:00:00

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.