PERA Act

LEGISLATIVE House H.R. 3445- Consumer Financial Protection Commission Act H.R. 654- Taking Account of Bureaucrats Spending (TABS) Act of 2025 H.R. 2331- Transparency in CFPB Cost-Benefit Analysis Act H.R. 2513- CFPB-IG Reform Act of 2025 H.R. 1165- Data Privacy Act of 2023 (118th Congress) H.R. 3881- Credit Card Competition Act of 2023 (118th Congress) H.R. 2392- Stablecoin Transparency and Accountability for a Better Ledger Economy (STABLE) Act of 2025 H.R. 1652- Rectifying UDAAP Act H.R. 2885- Bank Loan Privacy Act H.R. 1944- 10 Percent Credit Card Interest Rate Cap Act H.J.Res. 59- Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions". H.R. 306- Ending Scam Credit Repair (ESCRA) Act H.R. 2978- Guarding Unprotected Aging Retirees from Deception (GUARD) Act H.R. 941- Small Lenders Exempt from New Data and Excessive Reporting (Small LENDER) Act H.R. 940- Fair Audits and Inspections for Regulators Exams (FAIR Exams) Act H.R. 1919- Anti-CBDC Surveillance State Act H.R. 3663- Digital Asset Market Clarity Act H.R. 5291- Merchant Banking Modernization Act H.R.6644 - 21st Century ROAD to Housing Act H.R.7035 - Credit Card Competition Act of 2026 H.R.7548 - Safeguarding Consumers from Advertising Misconduct Act (SCAM Act) H.R.8398 - Guidelines for Use, Access, and Responsible Disclosure of Financial Data Act H.R. ____- a bill to require the Federal financial institutions regulatory agencies to jointly review the cumulative impact of regulations issued by such agencies, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to require the attestation of certain information as part of the consumer complaint submission process, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to provide procedures for guidance issued by the Bureau of Consumer Financial Protection, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to direct civil penalties to victims and transfer excess funds to the Treasury, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to eliminate the market monitoring functions of the Bureau of Consumer Financial Protection, and for other purposes H.R. ____- a bill to amend the Consumer Financial Protection Act of 2010 to revise the structure and maximum amounts of civil monetary penalties, and to provide incentives for the self-reporting of violations H.R.____, the Transaction Risk Analytics and Collaborative Exchange (TRACE) Act of 2026 H.R.____, the Bank Fraud Technology Advancement Act of 2026 H.R.____, the Scrutinizing Transactions for Overt Payment Fraud (STOP Fraud) Act H.R.____, a bill to make improvements to title V of the Gramm-Leach-Bliley Act, and for other purposes H.R.____, A HFSC Discussion Draft bill to make reforms to the Bureau of Consumer Financial Protection, and for other purposes. Senate S. 1362- Transparency in CFPB Cost-Benefit Analysis Act (118th Congress) S. 381- 10 Percent Credit Card Interest Rate Cap Act S.J.Res. 18- A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions". S. 1582- Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act S. 2019- Taskforce for Recognizing and Averting Payment Scams (TRAPS) Act S. 2486- Protecting Access to Credit for Small Businesses Act S. 2511, College Transparency Act S.2651 - ROAD to Housing Act of 2025 S. 2663- Merchant Banking Modernization Act S. ____- Responsible Financial Innovation Act of 2025 S.3623 - Credit Card Competition Act of 2026 S.3660 - Credit Card Fairness Act S.3774 - Safeguarding Consumers from Advertising Misconduct Act (SCAM Act) S. 4097, State-Based Loan Awareness Act S.4943 - Outcomes-Based Financing (OBF) for Students Act Both Chambers Issues related to the cumulative impact of banking regulations, Issues related to Zelle payment platform and changes to Regulation E House/Senate semi-annual hearings with the Director of the CFPB Issues related to Financial Services and General Government Appropriations Issues related to consumer data privacy Issues related to regulation of private student loans Legislation related to student loan refinancing programs Issues related to federal student loan reform Issues related to cybersecurity, data security, and breach notification Issues related to credit card network interchange fees Issues related to fraud and scams Issues related to debit interchange Issues related to the CFPBs overdraft final rule Legislation related to the Small Business Administration 7(a) loan program Issues related to the CFPBs Section 1033 final rule Issues related to the CFPBs credit card late fees final rule Issues related to implementation of Section 1071 of the Dodd-Frank Act H.R. 1- One Big Beautiful Bill Act- remittance tax provisions REGULATORY Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 CFPB Issues related to Section 1033 of the Dodd-Frank Act Issues related to CFPB Credit Card late fees Safe Harbor rule Issues related to UDAAP exam manual changes Issues related to Section 1071 Small Business Data Collection Issues related to Overdraft and non-sufficient funds (NSF) fees Issues related to nonbank oversight Issues related to Section 1034 of the Dodd-Frank Act Issues related to Section 1042 of the Dodd-Frank Act Issues related to the Fair Credit Reporting Act Issues related to CFPB supervisory authority under Section 1024 Issues related to CFPB agency guidance Issues related to CFPB Consumer Response Portal Issues related to CFPB UDAAP Authority Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Issues related to Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Issues related to Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Issues related to Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Issues related to Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Issues related to Buy Now Pay Later products Issue related to CFPB Strategic Plan OCC Issues related to the Community Reinvestment Act Issues related to fair lending and fair banking Issues related to the Fair Housing Act Issues related to Underbanked/Unbanked Consumers- Consumer Financial Health Issues related to GENIUS Act NPRM Issues related to OCC Appeals Process Issues Reputation Risk Federal Reserve Issues related to the Federal Reserve Central Digital Bank Currency Issues related to the Community Reinvestment Act Issues related to Basel III Endgame Proposal Issues related to debit interchange, Reg. II Issues Reputation Risk FDIC Issues related to FDIC Deposit Insurance Issues related to the Community Reinvestment Act Issues related to FDIC logo signage Issues Reputation Risk SBA Issues related to Small Business Act Issues related to SBA 7(a) Loan Program and fees Issues related to SBA 504 Loan Program and fees FCC Issues related to the Telephone Consumer Protection Act (TCPA) Issues related to fraud and scams