jiayi-li23/proxann_data huggingface dataset:
Topic: Domestic Commerce — Consumer Safety
Subject: Commerce
Date: 2010-09-16 00:00:00

Coin and Precious Metal Disclosure Act - Requires a coin or precious metal dealer to disclose clearly and conspicuously in writing to the consumer before any sale of coins (including gold coins) or precious metal bullion: (1) any fee incurred by the customer upon sale consummation; and (2) the purchase price, the melt value, and the reasonable resale value of the coin or precious metal bullion. Requires telephone sales solicitations for such coins or precious metal bullion to disclose the same information before the transaction is consummated. Treats a violation of this Act as an unfair or deceptive act or practice in violation of the Federal Trade Commission Act, and subject to penalties. Directs the Federal Trade Commission (FTC) to enforce this Act as though the Federal Trade Commission Act applies. Empowers states to enforce compliance with this Act, but entitles the FTC, upon notice of a state civil action, to intervene and be heard on all matters arising in it, remove it to the appropriate federal district court, and file petitions for appeal. Exempts from this Act the sale of rare and collectable coins whose: (1) precious metal content constitutes only a limited or insignificant portion of the overall value of the coin; and (2) value is not affected by the increase or decline in the value of such precious metals.
Topic: Domestic Commerce — Consumer Safety
Subject: Finance and financial sector
Date: 2010-09-29 00:00:00

Preventing Affinity Scams for Seniors Act of 2010 or PASS Act of 2010 - Defines "affinity scam" as a transaction in which a person trusted by a senior, such as a caregiver, relative, guardian, "new friend," or service provider, claims to share similar interests or values and establishes a relationship with the senior, then uses the relationship to defraud the senior. Requires each financial institution to: (1) educate its staff about affinity scams and how to identify transactions that may be part of an affinity scam; (2) train staff members on educating seniors about affinity scams; (3) provide senior depositors with educational materials on how to identify affinity scams; and (4) offer seniors a "senior protection (checking) account." Directs the Bureau of Consumer Financial Protection to: (1) issue implementing regulations; and (2) audit financial institutions periodically to ensure compliance with them. Sets forth senior protection account requirements, including protective measures to block and investigate transactions suspected of being an affinity scam. Instructs the Secretary of the Treasury to establish an income tax deduction of .77% of the average of the amount of deposits held by a financial institution in senior protection accounts. Subjects a noncompliant financial institution to a civil liability with respect to a senior who has sustained actual damage as a result of the institution's failure to comply with this Act. Directs the Secretary to require each financial institution, and each of its directors, officers, employees, or agents, to report any suspicious transaction relevant to a possible affinity scam.
Topic: Domestic Commerce — Consumer Safety
Subject: Commerce
Date: 2010-09-29 00:00:00

Transparent Baseball Ticket Fees Act - Makes it unlawful for any person to complete a primary sale of a Major League Baseball ticket through an Internet website without clearly and conspicuously disclosing to the consumer: (1) the amount and description of any fees, convenience charges, or other charges associated with such sale or ticket; and (2) the total amount of such fees or charges as a percentage of the total purchase price. Defines "primary sale" as the initial sale of a ticket that has not previously been sold to the general public. Treats such offense as an unfair or deceptive act or practice under the Federal Trade Commission Act.
Topic: Domestic Commerce — Consumer Safety
Subject: Law
Date: 2010-11-17 00:00:00

Consumer Protection Act of 2010 - Provides that it shall not be a defense to a tort claim in any U.S. court that a manufacturer of a product has fulfilled that manufacturer's duty of care when providing all of the necessary information to a learned intermediary, who then interacts with the consumer of the product. Defines a "learned intermediary" as a person licensed under applicable state or federal law to advise a consumer whether or not to use the product in question.
Topic: Domestic Commerce — Consumer Safety
Subject: Commerce
Date: 2010-12-01 00:00:00

Keeping Kids Safe Act of 2010 - 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.
Topic: Domestic Commerce — Consumer Safety
Subject: Crime and law enforcement
Date: 2010-12-17 00:00:00

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.
Topic: Domestic Commerce — Consumer Safety
Subject: Finance and financial sector
Date: 2009-01-06 00:00:00

Credit Card Minimum Payment Notification Act of 2009 - Amends the Truth in Lending Act regarding disclosures required with each billing cycle under an open end consumer credit plan to require a credit card issuer to include in specified type a written statement in the following form: "Minimum Payment Warning: Making only the minimum payment will increase the interest you pay and the time it takes to repay your balance."Prescribes additional statements disclosing the length of time it will take to pay off the balance if only the minimum amount due is paid.Provides that if the open-end credit card account is subject to a variable rate : (1) the creditor may make disclosures based on the rate for the entire balance as of the date of the disclosure and indicate that the rate may vary; and (2) the cardholder shall be provided with referrals or, in the alternative, with the toll free telephone number of the National Foundation for Credit Counseling for referrals to credit counseling services.Exempts from such disclosure requirements any billing cycle in which: (1) the account agreement requires a minimum payment of not less than 10% of the outstanding balance; and (2) finance charges are not imposed.
Topic: Domestic Commerce — Consumer Safety
Subject: Transportation and public works
Date: 2009-01-07 00:00:00

Passenger Vehicle Loss Disclosure Act - Directs the Secretary of Transportation to require all insurers and self-insurers of passenger motor vehicles to disclose to the public, in a commercially reasonable, electronically accessible manner, for each passenger motor vehicle declared or determined to be a total loss: (1) the vehicle identification number and odometer reading; (2) the date of and primary reason for the total loss determination; and (3) whether the airbags deployed.
Topic: Domestic Commerce — Consumer Safety
Subject: Finance and financial sector
Date: 2009-01-14 00:00:00

Credit Cardholders' Bill of Rights Act of 2009 - Amends the Truth in Lending Act to prohibit a creditor from increasing any annual percentage rate of interest (APR) applicable to the existing balance on an open end credit card account unless specified conditions are met. Allows a creditor to increase an APR on the existing credit card balance only if the increase is due solely to one of three specified circumstances. Requires a 45-day advance notice of credit card account rate increases. Prohibits imposition of a finance charge, with certain exceptions, upon a credit card account balance that is based on balances for days in billing cycles preceding the most recent billing cycle (double cycle billing). Prohibits the imposition of a fee on an outstanding credit card balance, at the end of a billing period, that is attributable only to interest accrued during the preceding billing period on an outstanding balance fully repaid during that preceding billing period. Requires each periodic statement of account to provide the telephone number, Internet address, and website at which the payoff balance may be requested. Grants a consumer the right to reject a new credit card before the creditor notifies a consumer reporting agency of its corresponding account. Sets forth special rules for accounts with promotional rate balances or deferred interest balances. Prohibits a creditor from denying a cardholder a specified payment grace period if the cardholder takes advantage of a promotional rate balance or deferred interest rate balance.Requires creditors to send a periodic credit card statement of account to the consumer at least 25 calendar days before the due date for the next payment on the outstanding balance. Authorizes a consumer to opt-out of creditor authorization of over-the-limit transactions if fees are imposed. Prohibits imposition of any over-the-limit fee if the credit limit was exceeded due to a credit hold, unless the actual amount of the transaction for which the hold was placed would have resulted in the consumer's exceeding such credit limit. Prescribes the contents of credit card price and availability information which the Board of Governors of the Federal Reserve System (Board) must collect and make public semiannually. Prescribes a standard for the initial issuance of subprime or "fee harvester" cards (accounts requiring first-year fee payments in excess of 25% of the total amount of credit authorized). Prohibits extensions of credit to consumers under age 18, unless they are emancipated under state law.
Topic: Domestic Commerce — Consumer Safety
Subject: Crime and law enforcement
Date: 2009-01-27 00:00:00

Supplemental Anti-Fraud Enforcement for our Market Act or the SAFE Markets Act - Authorizes: (1) the Director of the Federal Bureau of Investigation (FBI) to hire an additional 500 agents who shall be dedicated to investigating violations of the law relating to the U.S. financial markets; (2) the Attorney General to hire an additional 50 Assistant United States Attorneys who shall be dedicated to prosecuting such violations; and (3) the Securities and Exchange Commission (SEC) to hire 100 additional enforcement staff members who shall be dedicated to prosecuting such violations.
Topic: Domestic Commerce — Consumer Safety
Subject: Commerce
Date: 2009-02-04 00:00:00

Amends the Consumer Product Safety Act to allow a secondhand seller to sell, offer for sale, or distribute a product or substance that is not in conformity with a consumer product safety rule relating to lead in children's products or to currently-required labeling for children's products. Defines "secondhand seller" to include: (1) a consignment or thrift shop; (2) an individual who uses the Internet, a yard sale, or other casual means; or (3) a person who sells such a product at an auction to benefit a nonprofit organization.Delays by six months each required step down in the allowed lead level in children's products. Applies this change as though it had taken effect on August 15, 2008.Prevents a specified requirement for third-party children's product safety testing from going into effect before August 9, 2009. Applies this change as though it had taken effect on August 15, 2008.Relieves a manufacturer from the requirement to test or certify a product regarding lead content if the manufacturer has tested and certifies each component of the product.Prohibits either the Consumer Product Safety Commission (CPSC) or any state attorney general from initiating an enforcement proceeding under the Consumer Product Safety Act or the Federal Hazardous Substances Act regarding product certification and labeling and children's products containing lead until 30 days after the issuance of final rules, regulations, or guidance.Requires the CPSC to waive any civil penalty for a good faith first violation of a prohibition under the Act.Requires the CPSC to develop, publish, and distribute a guide to assist small enterprises in complying with the requirements of the Consumer Product Safety Act and other Acts enforced by the CPSC.
Topic: Domestic Commerce — Consumer Safety
Subject: Commerce
Date: 2009-02-05 00:00:00

Amends the Consumer Product Safety Improvement Act of 2008 to revise the effective dates relating to the allowable limits on lead in children's products so as to link such dates to the publication of related final regulations and stays of enforcement by the Consumer Product Safety Commission (CPSC).
Topic: Domestic Commerce — Consumer Safety
Subject: Finance and financial sector
Date: 2009-03-10 00:00:00

Financial Product Safety Commission Act of 2009 - Establishes the Financial Product Safety Commission to: (1) promulgate consumer financial product safety rules; (2) establish a best practices guide for all providers of consumer financial products; (3) conduct continuing studies and investigations of consumer financial products industry practices; (4) award grants or enter into contracts for the conduct of such studies and investigations; (5) assist public and private organizations or groups of consumer financial product providers, administratively and technically, in the development of safety standards or guidelines that would assist them in complying with any Commission rule; (6) comment on selected agency rulemakings affecting consumer financial products; and (7) establish a consumer financial product customer hotline.
Topic: Domestic Commerce — Consumer Safety
Subject: Finance and financial sector
Date: 2009-03-12 00:00:00

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.
Topic: Domestic Commerce — Consumer Safety
Subject: Commerce
Date: 2009-03-17 00:00:00

Common Sense in Consumer Product Safety Act of 2009 - Amends the Consumer Product Safety Improvement Act of 2008 to prohibit considering a sale after the first retail sale or a repair of a used children's product to be an introduction into interstate commerce under provisions of the Federal Hazardous Substances Act concerning children's products containing lead (effectively making children's product lead limits inapplicable to secondary sales or repairs of such products). Prohibits considering a vehicle designed or intended primarily for children seven years of age or older to be a children's product under such provisions.
Topic: Domestic Commerce — Consumer Safety
Subject: Finance and financial sector
Date: 2009-03-25 00:00:00

Fair Gift Card Act of 2009 - Declares it unlawful, with certain exceptions, for any person to impose a dormancy fee, inactivity charge or fee, or a service fee with respect to a gift certificate, store gift card, or general-use prepaid card. Declares it unlawful, with certain exceptions, for any person to sell or issue a gift certificate, store gift card, or general-use prepaid card that is subject to an expiration date. Requires any violation of this Act to be treated as a violation of a rule defining an unfair or deceptive act or practice prescribed under the Federal Trade Commission Act.
Topic: Domestic Commerce — Consumer Safety
Subject: Commerce
Date: 2009-03-30 00:00:00

Drywall Safety Act of 2009 - Requires the Consumer Product Safety Commission (CPSC) to: (1) study drywall that was imported from China from 2004 through 2007 and used in U.S. residences; and (2) initiate a proceeding on whether a consumer product safety standard regulating drywall materials is necessary. Requires the CPSC to: (1) designate drywall containing over 5% organic compounds by weight as a product with a product defect which constitutes a substantial product hazard; and (2) order manufacturers, distributors, and retailers of such drywall to cease distribution and notify all persons who handle such product to cease distribution. Requires that the order remain in effect until: (1) the CPSC publishes a determination that such a standard is not necessary; or (2) such a standard takes effect.
Topic: Domestic Commerce — Consumer Safety
Subject: Finance and financial sector
Date: 2009-04-22 00:00:00

Fairness for Homeowners Act of 2009 - Amends the Truth in Lending Act to prohibit a creditor or mortgage broker from arranging a consumer credit transaction secured by the principal dwelling of a consumer without first verifying the consumer's reasonable ability to to make the scheduled payments of principal, interest (including variable interest), real estate taxes, homeowner's insurance, assessments, and mortgage insurance premiums. Prescribes criteria to: (1) determine such consumer's reasonable ability to pay a variable interest rate; and (2) verify the consumer's income and financial resources. Declares a consumer's statement of income or financial resources insufficient evidence of the consumer's financial status. Prohibits consumer equity in the principal dwelling that secures the consumer credit transaction from being used to establish ability to make payments. Prohibits a mortgage broker or creditor from: (1) steering, counseling, or directing a consumer to rates, charges, principal amount, or prepayment terms that are more expensive than those for which the consumer qualifies; (2) arranging for any consumer credit transaction secured by the principal dwelling of a consumer that is more expensive than that for which the consumer qualifies; (3) engaging in certain mischaracterizations. Prohibits prepayment penalties. Limits finance points, charges, and fees. Cites duties owed to a consumer by a mortgage broker. Requires creditors and mortgage brokers to obtain independent verification that a borrower seeking to refinance a special mortgage has received counseling on the transaction's advisability. Defines "special mortgage" as one that: (1) was originated, subsidized, funded, or guaranteed by or through a state, tribal, or local government, or nonprofit organization; and (2) bears one or more specified nonstandard payment terms which substantially benefit the consumer. Prescribes minimum financial requirements for mortgage brokers. Excludes reverse mortgages from coverage by this Act.
Topic: Domestic Commerce — Consumer Safety
Subject: Commerce
Date: 2009-04-23 00:00:00

Imported and Domestic Product Safety Act of 2009 - Establishes in the Department of Commerce an Office of Imported and Domestic Product Safety to carry out specified duties, including: (1) coordinating all departments and agencies that have product safety responsibilities in a way that protects the health and safety of U.S. consumers and provides consumers and businesses with access to product safety information; (2) improving the www.Recalls.gov website; and (3) developing a publicly accessible database with information about all mandatory and voluntary product safety actions taken by businesses, departments, and agencies. Establishes a Product Safety Coordinating Council to assist the Office's director.
Topic: Domestic Commerce — Consumer Safety
Subject: Commerce
Date: 2009-05-19 00:00:00

Truth in Fur Labeling Act of 2009 - Amends the Fur Products Labeling Act to: (1) eliminate the exemption to fur labeling requirements for products containing relatively small amounts of fur; and (2) permit states to enforce more restrictive labeling requirements. Directs the the Federal Trade Commission (FTC), in the Fur Products Name Guide, to replace the term "Raccoon, Asiatic" with "Dog, Raccoon."
Topic: Domestic Commerce — Consumer Safety
Subject: Health
Date: 2009-06-03 00:00:00

Confidence in Long-Term Care Insurance Act of 2009 - Directs the Secretary of Health and Human Services to request the National Association of Insurance Commissioners (NAIC) to conduct biennial reviews of the national and state-specific markets for long-term care (LTC) insurance policies. Directs the Secretary to request the NAIC to: (1) develop model language for marketing of long-term insurance policies that meets certain criteria; and (2) develop recommendations for enforcement of the model marketing disclosures and definitions. Amends the Deficit Reduction Act of 2005 to authorize establishment of an Internet directory of information regarding LTC insurance ("LTC Insurance Compare") that shall include comparison tools to assist consumers in evaluating LTC insurance policies with different benefits and features. Amends the Internal Revenue Code to apply Medicaid partnership required model provisions to all tax-qualified LTC insurance contracts. Outlines a process for secretarial review of 2000 and 2006 model provisions as well as subsequent model provisions with respect to their application to tax-qualified LTC policies and Medicaid partnership policies. Amends the Deficit Reduction Act of 2005 to require the Secretary to issue biennial reports to states and Congress on Medicaid LTC insurance partnerships and their impact. Outlines additional consumer protections for Medicaid partnerships. Directs the Secretary to report to Congress on whether all LTC insurance policies sold after a certain date determined by the Secretary should provide annual compound inflation protection.
Topic: Domestic Commerce — Consumer Safety
Subject: Commerce
Date: 2009-06-09 00:00:00

Residential Carbon Monoxide Poisoning Prevention Act - Amends the Consumer Product Safety Act to require the Consumer Product Safety Commission (CPSC) to publish the American National Standard for Single and Multiple Station Carbon Monoxide Alarms (American National Standard ANSI/UL 2034-2005) as a mandatory consumer product safety standard. Makes it unlawful for any manufacturer or distributor to import or distribute any new assembled or unassembled residential carbon monoxide detector unless it complies with the standard. Requires the CPSC to issue a final rule in its proceeding titled Portable Generators, including a requirement that portable generators incorporate an automatic shutoff feature if compliance with such a requirement is technologically feasible. Requires the CPSC to establish a grant program to provide assistance to states to carry out a carbon monoxide alarm program.