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To amend the Fair Credit Reporting Act to improve the consumer reporting system, and for other purposes.

To amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions.

To amend the Fair Credit Reporting Act to require consumer reporting agencies to place a security freeze on a consumer report without a fee if the consumer reporting agency is subject to a breach of data security, and for other purposes.

To direct the Secretary of Veterans Affairs to require the use of certified mail and plain language in certain debt collection activities.

To establish student loan borrowers’ rights to basic consumer protections, reasonable and flexible repayment options, access to earned credentials, and effective loan cancellation in exchange for public service, and for other purposes.

To require Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and for other purposes.

To amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions, and for other purposes.

To amend the Employee Retirement Income Security Act of 1974 to adjust single-employer premiums, and for other purposes.

To require Fannie Mae and Freddie Mac to engage in credit risk transfer transactions, and for other purposes.

To amend title 11 of the United States Code to increase the amount of compensation paid to chapter 7 bankruptcy trustees for services rendered.