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To amend the Securities Exchange Act of 1934 to provide shareholders with an advisory vote on executive compensation.

To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes.

To amend the Truth in Lending Act to prohibit fees by creditors for payments
on credit card accounts by electronic fund transfers, and for other purposes.

A bill to prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

Amend the Higher Education Act of 1965 to reduce the interest rate on certain undergraduate student loans over a 5-year period.

Amends the Higher Education Act of 1965 to phase-in interest rate cuts charged to undergraduate student borrowers under the Federal Family Education Loan (FFEL) and Direct Loan (DL) programs. Gradually reduces student loan rates from 6.8 percent in July 2006 to 3.4 percent by July 2011.

To designate the United States bankruptcy courthouse located at 271 Cadman Plaza East, Brooklyn, New York, as the `Conrad Duberstein United States Bankruptcy Courthouse.'