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To increase consumer protection with respect to negative option agreements entered into on the Internet, and for other purposes.

To amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction.

To amend the Higher Education Act of 1965 to authorize institutions of higher education to provide additional loan counseling, and for other purposes. 

To amend the Federal Reserve Act to reform the Federal Reserve System.

To amend the Internal Revenue Code of 1986 to include student loan repayers as members of targeted groups for purposes of the work opportunity credit and to provide for a credit against tax for student loan program startup costs.

To amend Rule 11 of the Federal Rules of Civil Procedure to improve attorney accountability, and for other purposes.

To prevent conflicts of interest that stem from executive Government employees receiving bonuses or other compensation arrangements from nongovernment sources, from the revolving door that raises concerns about the independence of financial services regulators, and from the revolving door that casts aspersions over the awarding of Government contracts and other financial benefits.

To reauthorize the Commodity Futures Trading Commission, to better protect futures customers, to provide end-users with market certainty, to make basic reforms to ensure transparency and accountability at the Commission, to help farmers, ranchers, and end-users manage risks, to help keep consumer costs low, and for other purposes.