Representatives

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 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.

To amend the Internal Revenue Code of 1986 to modify rules relating to health savings accounts. Section 5 provides for equivalent bankruptcy protections for health savings accounts as retirement funds.

To amend title 28 of the United States Code to authorize the appointment of additional bankruptcy judges; and for other purposes.

To amend the Securities Exchange Act of 1934 to prohibit mandatory pre-dispute arbitration agreements, and for other purposes.