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244 results on '"Cooper, Cheryl"'

4. Science and Technology Issues for the 118th Congress

Author

Gottron, Frank, Gallo, Jason A., Benson, Lisa S., Blevins, Emily G., Bracmort, Kelsi, Brannon, Valerie C., Busch, Kristen E., Carter, Nicole T., Cho, Clare Y., Clark, Corrie E., Comay, Laura B., Cooper, Cheryl R., Elias, Bart, Finklea, Kristin, Jones, Angela C., Keating-Bitonti, Caitlin, Kuiken, Todd, Lawhorn, Julie M., Lawson, Ashley J., Leggett, Jane A., Levin, Adam G., Linebaugh, Chris D., Lipiec, Eva, Morgan, Daniel, Normand, Anna E., Parfomak, Paul W., Rachfal, Colby Leigh, Riddle, Anne A., Rowan, Linda R., Sarata, Amanda K., Sargent, John F., Jr., Sekar, Kavya, Su, Eva, Sutherland, Michael D., Sutter, Karen M., Sykes, Jay B., Tierno, Paul, Wilson, Jill H., and Zhu, Ling

Subjects
United States. Congress -- Powers and duties, Medical research -- Evaluation -- Forecasts and trends, Medicine, Experimental -- Evaluation -- Forecasts and trends, Astronautics and state -- Evaluation -- Forecasts and trends, Telecommunication policy -- Evaluation -- Forecasts and trends, Environmental policy -- Evaluation -- Forecasts and trends, Market trend/market analysis, Government
Abstract

Updated April 6, 2023 The federal government supports scientific and technological advancement directly by funding and performing research and development and indirectly by creating and maintaining policies that encourage private [...]

Published
2023

6. CFPB Consumer Complaints: U.S. and Congressional District Data

Author

Cooper, Cheryl R. and Tufts, Graham C.

Subjects
Alternative financial services -- Political aspects, Consumer protection -- Political aspects, Collection (Accounting) -- Political aspects, Credit ratings -- Political aspects, Customer satisfaction -- Political aspects, Credit cards -- Political aspects, Personal loans -- Political aspects, Government
Abstract

February 2, 2024 Consumers having trouble with a consumer financial product or service--such as with a mortgage, student loan, credit card, payday loan, bank account, credit reporting, or debt collection--can [...]

Published
2024

7. CFPB Proposes New Regulation on Consumer Data Rights

Author

Cooper, Cheryl R.

Subjects
United States. Consumer Financial Protection Bureau -- Powers and duties, Consumer protection -- Laws, regulations and rules, Data security -- Laws, regulations and rules, Financial institutions -- Laws, regulations and rules, Personal information -- Access control, Government regulation, Data security issue, Government, Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010
Abstract

December 19, 2023 On October 31, 2023, the Consumer Financial Protection Bureau (CFPB) proposed a new regulation, referred to as the Personal Financial Data Rights rule, to implement Section 1033 [...]

Published
2023

8. CFPB Proposes New Credit Card Late Fee Regulation

Author

Cooper, Cheryl R.

Subjects
United States. Consumer Financial Protection Bureau -- Powers and duties, Credit and debit card industry -- Laws, regulations and rules -- Services, Consumer protection -- Laws, regulations and rules, Banking law -- Evaluation, Government regulation, Government, Truth in Lending Act
Abstract

April 18, 2023 On March 29, 2023, the Consumer Financial Protection Bureau (CFPB) issued a Notice of Proposed Rulemaking to reduce late fees on credit cards. The rulemaking would amend [...]

Published
2023

9. Consumer Credit Reporting, Credit Bureaus, Credit Scoring, and Related Policy Issues

Author

Cooper, Cheryl R.

Subjects
United States. Consumer Financial Protection Bureau, United States. Federal Trade Commission, United States. Government Accountability Office, Experian PLC, Banks (Finance), Economic incentives, Credit and debit card industry, Bank loans, Regulatory compliance, Mortgages, Credit ratings, Credit bureaus, Consumer credit, Credit cards, Mortgages, Government
Abstract

Updated October 12, 2023 Contents Introduction The Consumer Data Industry and Specialty Services Consumer Reporting Services Credit Scoring Services Consumer Protections and Regulation of the Credit Reporting System Policy Issues [...]

Published
2023

10. Financial Services and General Government (FSGG) FY2024 Appropriations Bill: CFPB's Funding and Structure Provisions

Author

Cooper, Cheryl R. and Carpenter, David H.

Subjects
United States. Federal Reserve Board -- Officials and employees -- Political activity, United States. House of Representatives. Committee on Financial Services -- Officials and employees -- Political activity, United States. House of Representatives. Committee on Appropriations -- Officials and employees -- Political activity, United States. Supreme Court -- Officials and employees -- Political activity, Political parties, Expenditures, Public -- Political aspects, Consumer protection -- Political aspects, Budget -- Political aspects, Government
Abstract

September 22, 2023 On July 17, 2023, the House Committee on Appropriations reported its FY2024 Financial Services and General Government (FSGG) appropriations bill (H.R. 4664). The reported bill would change [...]

Published
2023

12. Automation, Artificial Intelligence, and Machine Learning in Consumer Lending

Author

Cooper, Cheryl R.

Subjects
United States. Congress -- Powers and duties, Artificial intelligence -- Usage -- Laws, regulations and rules, Consumer credit -- Evaluation -- Laws, regulations and rules, Machine learning -- Usage -- Laws, regulations and rules, Algorithms -- Usage, Government regulation, Algorithm, Artificial intelligence, Government
Abstract

May 10, 2023 Financial firms may use algorithms--pre-coded sets of instructions and calculations that are executed automatically--to enhance consumer loan underwriting, the process of evaluating the likelihood that applicants will [...]

Published
2023

13. Consumer Finance and Financial Technology (Fintech)

Author

Cooper, Cheryl R., Scott, Andrew P., and Tierno, Paul

Subjects
United States. Consumer Financial Protection Bureau -- Powers and duties, United States. Federal Trade Commission -- Powers and duties, United States. Department of the Treasury -- Powers and duties, Consumer protection -- Laws, regulations and rules, Marketing research, Consumer finance companies -- Laws, regulations and rules, Government regulation, Government, Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010
Abstract

March 15, 2023 Fintech (short for financial technology) refers to advances in technology incorporated into financial products and services. Many companies--both traditional financial firms and new technology-focused entrants to the [...]

Published
2023

14. Using the Federal Income Tax System to Deliver Cash Assistance to Families: Policy Considerations

Author

Crandall-Hollick, Margot L. and Cooper, Cheryl R.

Subjects
United States. Department of the Treasury -- Powers and duties, United States. Internal Revenue Service -- Powers and duties, United States. Congress -- Tax policy, Retirement benefits -- Laws, regulations and rules, Tax credits -- Laws, regulations and rules, Social security -- Laws, regulations and rules, Tax collection -- Laws, regulations and rules, Income tax -- Laws, regulations and rules, Government regulation, Government
Abstract

Selected Policy Considerations Issue Policy Considerations The Application for Tax Benefits Some information on the 1040 Is the Federal Income Tax Return (i.e., various forms of income) can be accurately [...]

Published
2023

15. Introduction to Financial Services: Consumer Finance

Author

Cooper, Cheryl R.

Subjects
United States. Consumer Financial Protection Bureau -- Powers and duties, Personal finance -- Management, Financial markets -- Evaluation, Financial services industry -- Laws, regulations and rules, Consumer credit -- Evaluation, Government regulation, Company business management, Financial services industry, Government, Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010
Abstract

Updated January 5, 2023 Consumer finance refers to the borrowing, saving, and investment choices that people (i.e., households) make over time. These financial decisions can be complex and can affect [...]

Published
2023

17. Visualising the Health of Communities: Using Photovoice as a Pedagogical Tool in the College Classroom

Author

Cooper, Cheryl, Sorensen, William, and Yarbrough, Susan

Abstract

Objective: To describe the use of Photovoice as a pedagogical tool to promote experiential learning and critical dialogue among participants on an undergraduate community health course. Design: A descriptive study of the use of the pedagogical tool Photovoice, based on three foundational education theories. Results: Based on teachers' reflective evaluation of student responses, Photovoice emerged as a useful tool for encouraging dialogic engagement in the classroom, for experiential learning through interaction with the physical environment and for increasing student agency by reducing the teacher as authority model. Conclusion: Photovoice may be useful in a variety of college courses as a way to foster critical thinking, to promote agency among students, to enhance understanding of complex social phenomena and to expand the ways in which both students and teachers think about their physical and social worlds.

Published
2017
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18. An Overview of Medical Debt Collection, Credit Reporting, and Related Policy Issues

Author

Cooper, Cheryl R.

Subjects
United States. Consumer Financial Protection Bureau -- Powers and duties, Medical care, Cost of -- Laws, regulations and rules, Consumer protection -- Laws, regulations and rules, Collection (Accounting) -- Laws, regulations and rules -- Evaluation, Credit ratings -- Evaluation, Government regulation, Government, Fair Debt Collection Practices Act
Abstract

Medical debt collection practices raise many specific policy issues. Unlike most consumer debts, the need for medical care for an acute illness can often be unexpected and not discretionary. For [...]

Published
2022

21. Introduction to Financial Services: Consumer Finance

Author

Cooper, Cheryl R.

Subjects
Financial services industry -- Services -- Laws, regulations and rules, Loans -- Laws, regulations and rules, Government regulation, Financial services industry, Government
Abstract

Updated January 13, 2022 Consumer finance refers to the borrowing, saving, and investment choices that people (i.e., households) make over time. These financial decisions can be complex and can affect [...]

Published
2022

22. Rapidly Growing 'Buy Now, Pay Later' (BNPL) Financing: Market Developments and Policy Issues

Author

Cooper, Cheryl R. and Tierno, Paul

Subjects
Financial services industry -- Laws, regulations and rules -- Services, Government regulation, Financial services industry, Government
Abstract

Updated November 1, 2021 'Buy now, pay later' (BNPL) is a form of point-of-sales financing. With BNPL financing, a consumer can purchase an item now and pay for it later [...]

Published
2021

23. Financial Literacy and Financial Education Policy Issues

Author

Cooper, Cheryl R.

Subjects
United States. Consumer Financial Protection Bureau -- Powers and duties, United States. Department of the Treasury -- Powers and duties, United States. Congress -- Powers and duties, Financial literacy -- Laws, regulations and rules, Financial management -- Methods -- Laws, regulations and rules, Government regulation, Government
Abstract

Contents Financial Education and Federal Government Activities The Financial Literacy and Education Commission (FLEC) The CFPB's Financial Education Activities The CFPB's Civil Penalty Fund Research on Financial Literacy, Financial Education, [...]

Published
2021

24. An Overview of Rural Credit Markets

Author

Scott, Andrew P., Labonte, Marc, Casey, Alyssa R., Lindsay, Bruce R., Cecire, Michael H., McCarty, Maggie, Cooper, Cheryl R., Monke, Jim, Dilger, Robert Jay, Weinstock, Lida R., and Jones, Katie

Subjects
Financial services industry -- Forecasts and trends, Rural industry -- Forecasts and trends, Credit market -- Forecasts and trends, Market trend/market analysis, Financial services industry, Government
Abstract

Contents Introduction Rural Economic and Financial Overview Rural Consumer Financial Services Housing Finance in Rural Areas USDA Rural Housing Service Fannie Mae and Freddie Mac 'Duty to Serve' Requirements Manufactured [...]

Published
2021

25. Open Banking, Data Sharing, and the CFPB's 1033 Rulemaking

Author

Cooper, Cheryl R.

Subjects
United States. Consumer Financial Protection Bureau -- Powers and duties, Financial disclosure -- Laws, regulations and rules, Consumer protection -- Laws, regulations and rules, Financial services industry -- Laws, regulations and rules -- Access control, Government regulation, Financial services industry, Government, Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010
Abstract

New technologies that use digitized consumer financial data have led to the development of new financial products and services for consumers in recent years. Open banking refers to the practice [...]

Published
2021

26. The Debt Collection Market and Selected Policy Issues

Author

Cooper, Cheryl R.

Subjects
United States. Consumer Financial Protection Bureau -- Powers and duties, Collection (Accounting) -- Methods -- Laws, regulations and rules -- Economic aspects, Credit market -- Laws, regulations and rules -- Economic aspects, Government regulation, Government, Fair Debt Collection Practices Act
Abstract

Updated June 22, 2021 When a consumer defaults on a debt, a third-party debt collector often collects the debt obligation rather than the lender to whom the debt is originally [...]

Published
2021

27. House Passes the Comprehensive Debt Collection Improvement Act (H.R. 2547)

Author

Cooper, Cheryl R.

Subjects
United States. Congress -- Economic policy, Collection agencies -- Laws, regulations and rules, Collection (Accounting) -- Laws, regulations and rules, Government regulation, Government, Fair Debt Collection Practices Act, Debt Collection Improvement Act of 1996
Abstract

May 20, 2021 On May 13, 2021, the House passed the Comprehensive Debt Collection Improvement Act (HR. 2547; HRept. 117-23), which would amend laws relating to the debt collection market, [...]

Published
2021

28. COVID-19: Household Debt During the Pandemic

Author

Cooper, Cheryl R., Weinstock, Lida R., and Mullins, Maura

Subjects
United States. Congress -- Powers and duties, Epidemics -- Economic aspects -- United States, Fiscal policy -- Evaluation, Consumer credit -- Laws, regulations and rules -- Government finance, Domestic economic assistance -- Laws, regulations and rules, Government regulation, Government, Coronavirus Aid, Relief, and Economic Security Act of 2020, Consolidated Appropriations Act of 2021, American Rescue Plan Act of 2021
Abstract

Updated May 6, 2021 The COVID-19 pandemic has had a large and persistent economic impact across the United States. Fear of infection, social distancing, and stay-at-home orders prompted business closures [...]

Published
2021

29. Banking Policy Issues in the 117th Congress

Author

Perkins, David W., Cooper, Cheryl R., Getter, Darryl E., Gnanarajah, Raj, Labonte, Marc, Miller, Rena S., Scott, Andrew P., and Weinstock, Lida R.

Subjects
United States. Congress -- Powers and duties, Epidemics -- Economic aspects -- United States, Banking law -- Evaluation, Financial services industry -- Laws, regulations and rules, Economic conditions -- Forecasts and trends, Government regulation, Market trend/market analysis, Financial services industry, Government, Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, Coronavirus Aid, Relief, and Economic Security Act of 2020, Economic Growth, Regulatory Relief and Consumer Protection Act of 2018
Abstract

March 2, 2021 Contents Introduction 'Safety and Soundness' Background Prudential Regulation Community Bank Capital Requirements CECL Accounting Standard Implementation Anti-Money-Laundering Regulation BSA/AML and Banking Cannabis Businesses Cybersecurity Consumer Fairness and [...]

Published
2021

31. CFPB Finalizes Two New Debt Collection Regulations

Author

Cooper, Cheryl R.

Subjects
United States. Consumer Financial Protection Bureau -- Powers and duties, Collection agencies -- Technology application -- Laws, regulations and rules -- Customer relations, Collection (Accounting) -- Laws, regulations and rules, Disclosure of information -- Laws, regulations and rules, Telecommunication -- Usage -- Laws, regulations and rules -- Surveys, Government regulation, Communications technology, Technology application, Government, Fair Debt Collection Practices Act
Abstract

February 3, 2021 The Consumer Financial Protection Bureau (CFPB) recently finalized two new regulations to implement the Fair Debt Collection Practices Act (FDCPA; 15 U.S.C. [section][section]1692- 1692f), which seeks to [...]

Published
2021

32. An Overview of Consumer Finance and Policy Issues

Author

Cooper, Cheryl R.

Subjects
United States. Consumer Financial Protection Bureau -- Powers and duties -- Laws, regulations and rules, United States -- Economic policy, Consumer credit -- Laws, regulations and rules, Consumer finance companies -- Laws, regulations and rules, Government regulation, Government, Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010
Abstract

Updated January 14, 2021 Contents Introduction Consumer Finance Policy Issues and Regulation Household Balance Sheet Background Consumer Finance Markets and Policy Considerations Imperfect Information Behavioral Biases in Consumer Decisionmaking Common [...]

Published
2021

33. Introduction to Financial Services: Consumer Finance

Author

Cooper, Cheryl R.

Subjects
United States. Consumer Financial Protection Bureau -- Powers and duties, United States -- Economic policy, Epidemics -- Economic aspects -- United States, Financial services industry -- Identification and classification, Consumer finance companies -- Services, Consumer credit -- Laws, regulations and rules, External debt relief -- Laws, regulations and rules, Government regulation, Financial services industry, Government, Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, Coronavirus Aid, Relief, and Economic Security Act of 2020
Abstract

Updated January 4, 2021 Consumer finance refers to the borrowing and saving choices that people (i.e., households) make over time. These financial decisions can be complex and can affect financial [...]

Published
2021

34. COVID-19: Household Debt During the Pandemic

Author

Cooper, Cheryl R., Mullins, Maura, and Weinstock, Lida R.

Subjects
Epidemics -- Economic aspects -- Social aspects, Personal finance -- Management, Company business management, Government, Coronavirus Aid, Relief, and Economic Security Act of 2020
Abstract

Updated December 3, 2020 Contents Introduction Household Income During the COVID-19 Pandemic Household Debt and Delinquency Trends Consumer Loan Forbearance Trends Policy Impacts on Household Finances Consumer Loan Forbearance and [...]

Published
2020

35. COVID-19: Consumer Debt Relief During the Pandemic

Author

Cooper, Cheryl R.

Subjects
Epidemics -- Economic aspects, Consumer credit -- Social aspects, External debt relief -- Laws, regulations and rules, Government regulation, Government, Coronavirus Aid, Relief, and Economic Security Act of 2020
Abstract

December 7, 2020 The Coronavirus Disease 2019 (COVID-19) pandemic has had a large and persistent economic impact across the United States. Fear of infection, social distancing, and stay-at-home orders prompted [...]

Published
2020

36. Potential Impacts of the COVID-19 Pandemic on the Income Security of Older Americans

Author

Li, Zhe, Cooper, Cheryl R., Davies, Paul S., Donovan, Sarah A., Huston, Barry F., Isaacs, Katelin P., Morton, William R., Myers, Elizabeth A., Su, Eva, Topoleski, John J., and Whittaker, Julie M.

Subjects
United States. Congress -- Powers and duties, Retirement benefits -- Laws, regulations and rules -- Economic aspects, Epidemics -- Economic aspects -- United States, Personal income -- Laws, regulations and rules, Aged -- Employment, Unemployment -- Laws, regulations and rules -- Economic aspects, Public health administration -- Laws, regulations and rules -- Economic aspects, Domestic economic assistance -- Laws, regulations and rules, Government regulation, Government, Coronavirus Aid, Relief, and Economic Security Act of 2020, Families First Coronavirus Response Act of 2020
Abstract

November 24, 2020 Americans aged 55 and older account for approximately 30% of the overall population in 2020, representing older workers approaching retirement and current retirees and totaling about 100 [...]

Published
2020

37. The Debt Collection Market and Selected Policy Issues

Author

Cooper, Cheryl R.

Subjects
United States. Consumer Financial Protection Bureau -- Reports, United States. Congress -- Political activity, United States -- Economic policy, Collection agencies -- Market research -- Laws, regulations and rules -- Industry sales and revenue, Consumer complaints -- Statistics, Bills, Legislative -- Interpretation and construction, Marketing research, Government regulation, Government, Fair Debt Collection Practices Act
Abstract

Updated October 15, 2020 Contents Introduction Overview of Debt Collection Market The Market Between Creditors and Debt Collectors Consumer Experiences The Fair Debt Collection Practices Act Supervision and Enforcement Consumer [...]

Published
2020

38. Consumer Credit Reporting, Credit Bureaus, Credit Scoring, and Related Policy Issues

Author

Cooper, Cheryl R. and Getter, Darryl E.

Subjects
United States. House of Representatives. Committee on Financial Services -- Powers and duties, United States. Congress -- Powers and duties, Financial institutions -- Laws, regulations and rules, Credit ratings -- Laws, regulations and rules, Credit bureaus -- Laws, regulations and rules, Consumer credit -- Laws, regulations and rules, Government regulation, Government, Health and Economic Recovery Omnibus Emergency Solutions Act of 2020 (Draft), Fair Credit Reporting Act, Coronavirus Aid, Relief, and Economic Security Act of 2020
Abstract

Updated October 15, 2020 Contents Introduction The Consumer Data Industry and Specialty Services Consumer Reporting Services Credit Scoring Services Existing Consumer Protections and Regulation of Credit Reporting Agencies Policy Issues [...]

Published
2020

39. COVID-19: Consumer Loan Forbearance and Other Relief Options

Author

Cooper, Cheryl R., Getter, Darryl E., Gnanarajah, Raj, Perkins, David W., and Scott, Andrew P.

Subjects
United States. House of Representatives -- Powers and duties, Epidemics -- Economic aspects -- United States, Mortgages -- Laws, regulations and rules, Domestic economic assistance -- Laws, regulations and rules, Personal loans -- Laws, regulations and rules, Government regulation, Mortgages, Government, Health and Economic Recovery Omnibus Emergency Solutions Act of 2020 (Draft), Coronavirus Aid, Relief, and Economic Security Act of 2020
Abstract

Updated October 23, 2020 Contents Overview of Loan Forbearance and Other Relief Options for Consumers Loan Forbearance Other Relief Options Available to Consumers Coronavirus Aid, Relief, and Economic Security Act [...]

Published
2020

40. Heroes Act (H.R. 6800/H.R. 925): Selected Consumer Loan Provisions

Author

Cooper, Cheryl R.

Subjects
United States. House of Representatives -- Powers and duties, Epidemics -- Economic aspects -- United States, Financial services industry -- Laws, regulations and rules -- Government finance, Domestic economic assistance -- Laws, regulations and rules, Personal loans -- Laws, regulations and rules, Government regulation, Financial services industry, Government, Health and Economic Recovery Omnibus Emergency Solutions Act of 2020 (Draft)
Abstract

Updated October 15, 2020 The economic impact of the Coronavirus Disease 2019 (COVID-19) pandemic has been largely due to illnesses, quarantines, social distancing, local stay-at-home orders, and other business disruptions. [...]

Published
2020

41. Financial Inclusion: Access to Bank Accounts

Author

Cooper, Cheryl R.

Subjects
United States. Federal Deposit Insurance Corp. -- Powers and duties, United States. Congress -- Powers and duties, Financial management -- Laws, regulations and rules, Bank accounts -- Access control -- Laws, regulations and rules, Personal loans -- Laws, regulations and rules, Government regulation, Government, Community Reinvestment Act of 1977
Abstract

August 27, 2020 Most U.S. consumers choose to open a bank account, such as a checking or savings account, because it is considered a safe and secure way to store [...]

Published
2020

42. Alternative Data in Financial Services

Author

Cooper, Cheryl R.

Subjects
United States. Consumer Financial Protection Bureau -- Powers and duties, United States. Congress -- Powers and duties, Financial services industry -- Laws, regulations and rules, Credit ratings -- Laws, regulations and rules, Credit bureaus -- Laws, regulations and rules, Data entry -- Laws, regulations and rules -- Methods, Government regulation, Financial services industry, Government
Abstract

August 27, 2020 Alternative data generally refer to information used to determine a consumer's creditworthiness that the national consumer reporting agencies--Equifax, Experian, and TransUnion--do not traditionally use to calculate a [...]

Published
2020

43. CFPB Finalizes New Payday Lending Rule, Reversing Prior Regulation

Author

Cooper, Cheryl R.

Subjects
United States. Consumer Financial Protection Bureau -- Powers and duties, Consumer protection -- Laws, regulations and rules, Banking law -- Interpretation and construction, Payday loans -- Laws, regulations and rules, Government regulation, Government
Abstract

Updated July 10, 2020 On July 7, 2020, the Consumer Financial Protection Bureau (CFPB) released a new final rule to amend its regulations for payday, vehicle title, and certain high-cost [...]

Published
2020

44. Saving for Retirement: Household Decisionmaking and Policy Options

Author

Cooper, Cheryl R. and Li, Zhe

Subjects
United States. Congress -- Powers and duties, Financial planning -- Laws, regulations and rules, Retirement planning -- Laws, regulations and rules, Defined contribution plans -- Laws, regulations and rules, Individual retirement accounts -- Laws, regulations and rules, Savings -- Laws, regulations and rules, Government regulation, Government, Further Consolidated Appropriations Act for Fiscal Year 2020
Abstract

July 2, 2020 Contents Introduction Retirement Savings and Household Finances DC Pension Plans and IRAs Household Retirement Assets, 1989-2016 Retirement Income and Saving Adequacy Other Influences on Households' Finances That [...]

Published
2020

45. HEROES Act, Division K-COVID-19 Housing, Economic Relief, and Oversight Act

Author

Miller, Rena S., Lowry, Sean, Cecire, Michael H., McCarty, Maggie, Cooper, Cheryl R., Perkins, David W., Getter, Darryl E., Perl, Libby, Gnanarajah, Raj, Scott, Andrew P., Jaroscak, Joseph V., Shohfi, Kyle D., Jones, Katie, Wilhelm, Ben, and Labonte, Marc

Subjects
United States. Congress -- Domestic policy, Epidemics -- Economic aspects -- United States, Economic development -- Forecasts and trends -- United States, Domestic economic assistance -- Laws, regulations and rules, Government regulation, Market trend/market analysis, Government, Paycheck Protection Program and Health Care Enhancement Act of 2020, Higher Education Relief Opportunities for Students Act of 2001, Coronavirus Aid, Relief, and Economic Security Act of 2020, Families First Coronavirus Response Act of 2020
Abstract

June 29, 2020 Overview Many economic effects of the Coronavirus Disease 2019 (COVID-19) pandemic intensified in April and May 2020, including historically high levels of unemployment and related housing affordability [...]

Published
2020

46. Title IV Provisions of the CARES Act (P.L. 116-136)

Author

Scott, Andrew P., Cecire, Michael H., Cooper, Cheryl R., Getter, Darryl E., Gnanarajah, Raj, Jones, Katie, Labonte, Marc, Levinson, Marc, McCarty, Maggie, Perkins, David W., Schwemle, Barbara L., Shorter, Gary, Su, Eva, Tang, Rachel Y., and Wilhelm, Ben

Subjects
Epidemics -- Economic aspects, Economic policy -- Interpretation and construction, Government, Coronavirus Aid, Relief, and Economic Security Act of 2020
Abstract

April 2, 2020 Contents Tables Table 1. Title IV of the CARES Act (P.L. 116-136) Table 2. Select CRS Resources on COVID-19 Relevant to Title IV of the CARES Act [...]

Published
2020

47. COVID-19: The Financial Industry and Consumers Struggling to Pay Bills

Author

Cooper, Cheryl R.

Subjects
Epidemics -- Economic aspects -- United States, Financial services industry -- Services, Personal loans -- Management, Company business management, Financial services industry, Government
Abstract

Updated March 31, 2020 A growing number of cases of Coronavirus Disease 2019 (COVID-19) have been identified in the United States, significantly impacting many communities. For background on the coronavirus, [...]

Published
2020

48. Wells Fargo--A Timeline of Recent Consumer Protection and Corporate Governance Scandals

Author

Cooper, Cheryl R. and Gnanarajah, Raj

Subjects
United States. Consumer Financial Protection Bureau -- Powers and duties, United States. Office of the Comptroller of the Currency -- Powers and duties, Wells Fargo Bank N.A. -- Laws, regulations and rules, Consumer protection -- Laws, regulations and rules -- Chronologies, Corporate governance -- Laws, regulations and rules -- Chronologies, Banking industry -- Laws, regulations and rules -- Chronologies, Scandals -- Laws, regulations and rules -- Forecasts and trends -- Chronologies, Government regulation, Market trend/market analysis, Banking industry, Government
Abstract

Updated February 27, 2020 Wells Fargo Bank, N.A., is a large federally chartered depository bank. It is a subsidiary of Wells Fargo and Company, a bank holding company (hereinafter, Wells [...]

Published
2020

50. U.S. Payment System Policy Issues: Faster Payments and Innovation

Author

Cooper, Cheryl R., Labonte, Marc, and Perkins, David W.

Subjects
Technological innovations -- Forecasts and trends, Consumer protection -- Laws, regulations and rules, Payment -- Methods -- Laws, regulations and rules -- Technology application, Digitization -- Forecasts and trends -- Laws, regulations and rules, Government regulation, Market trend/market analysis, Technology application, Government, Electronic Fund Transfer Act, Bank Secrecy Act of 1970
Abstract

September 23, 2019 Contents Background on Payments Payment Systems and Financial Technology Faster Retail Payments: Policy Issues Regulatory Framework Cybersecurity Data Privacy Consumer Protection Financial Access and Underserved Groups Market [...]

Published
2019

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