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To amend the Consumer Financial Protection Act of 2010 to direct the Office of Community Affairs to identify causes leading to, and solutions for, under-banked, un-banked, and underserved consumers, and for other purposes.

To establish additional protections and disclosures for students and cosigners with respect to student loans, and for other purposes.

To improve Federal student loan disclosures, and for other purposes.

To require the Federal banking agencies to increase the risk-sensitivity of the capital treatment of certain centrally cleared exchange-listed derivatives, and for other purposes.

To amend the Higher Education Act of 1965 to provide for Federal student loan reform.

To amend the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors.

To amend the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors.

To amend title 28, United States Code, to modify venue requirements relating to bankruptcy proceedings.

To authorize an additional district judge for the district of Puerto Rico and to convert to permanent status the temporary office of bankruptcy judge for the district of Puerto Rico.