Search Results for keywords:"consumer protection"

Search Results: keywords:"consumer protection"

H. R. 859 — To require the disclosure of a camera or recording capability in certain internet-connected devices.
April 24, 2025
Status:Reported in House
Congress:119
Words:1,034
H.R. 859 is a bill that requires manufacturers of certain internet-connected devices to clearly notify buyers if the device includes a camera or microphone. The bill specifically applies to devices that connect to the internet, excluding phones, laptops, tablets, and other...
Simple Explanation
H.R. 859 is a rule that says companies must tell people if their internet gadgets, like smart speakers, have a camera or microphone, so they know it could see or hear them, and a group called the FTC will make sure they do this properly.
H. R. 3950 — To require sellers of event tickets to disclose comprehensive information to consumers about ticket prices and related fees, and for other purposes.
May 10, 2024
Status:Reported in House
Congress:118
Words:2,443
H. R. 3950, also known as the "Transparency In Charges for Key Events Ticketing Act" or the "TICKET Act," aims to improve transparency in the sale of event tickets. The bill requires ticket sellers to clearly display the total ticket prices, including fees, and prohibits the...
Simple Explanation
The TICKET Act wants sellers to clearly show the full price of event tickets, including all fees, and stop them from selling fake tickets or pretending to be the official seller so people can easily understand what they're paying for.
H. R. 7211 — To improve honesty in pet sales, and for other purposes.
February 01, 2024
Status:Introduced in House
Congress:118
Words:3,079
H.R. 7211, also known as the “Petfax Act of 2024,” aims to enhance transparency in pet sales, particularly for dogs and cats. The bill requires sellers to provide detailed information about the animal’s origin and health history before selling them. It prohibits unfair or...
Simple Explanation
The bill wants to make sure people selling pets, like dogs and cats, tell buyers where the pets come from and if they're healthy, so everyone is honest and fair when buying pets.
H. R. 4814 — To direct the Consumer Product Safety Commission to establish a pilot program to explore the use of artificial intelligence in support of the mission of the Commission and to direct the Secretary of Commerce and the Federal Trade Commission to study and report on the use of blockchain technology and digital tokens, respectively.
May 10, 2024
Status:Reported in House
Congress:118
Words:2,011
H. R. 4814 seeks to advance consumer safety and technology regulation by directing the Consumer Product Safety Commission to create a pilot program to use artificial intelligence for consumer product safety. It also instructs the Secretary of Commerce to study blockchain...
Simple Explanation
H.R. 4814 is a plan that wants to see if computers can help keep toys and gadgets safe and to learn more about a special kind of online money and technology. It asks some grown-ups to study these things to make sure people aren't tricked and are kept safe.
H. R. 4310 — To ban the sale of products with a high concentration of sodium nitrite to individuals, and for other purposes.
May 10, 2024
Status:Reported in House
Congress:118
Words:439
H.R. 4310 aims to make it illegal to sell consumer products with a high concentration of sodium nitrite directly to individuals. The bill states that any product containing 10% or more of sodium nitrite by weight will be considered a banned hazardous product under the...
Simple Explanation
Congress wants to make a rule so that people can't buy things that have too much of a chemical called sodium nitrite—over 10% of the product—because it can be dangerous. This rule would start working 90 days after it's made official, and it's called the "Youth Poisoning Protection Act."
S. J. RES. 18 — Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to Overdraft Lending: Very Large Financial Institutions.
April 11, 2025
Status:Enrolled Bill
Congress:119
Words:122
S. J. RES. 18 is a resolution from the 119th Congress that disapproves a rule submitted by the Bureau of Consumer Financial Protection. This rule concerned "Overdraft Lending" practices by very large financial institutions and was listed in the Federal Register on December...
Simple Explanation
S. J. RES. 18 is about a decision from Congress saying they don't agree with a new rule about how big banks handle overdraft fees, and they're saying this rule shouldn't be used. This means Congress doesn't want this new rule to change how things are done right now.
H. R. 10057 — To require the Board of Governors of the Federal Reserve System to provide access to FedNow to affordable remittance providers, and for other purposes.
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October 25, 2024
Status:Introduced in House
Congress:118
Words:773
H. R. 10057, known as the “Affordable Remittance Act,” aims to provide affordable remittance providers access to the FedNow payment system within 90 days of the law's enactment. The bill mandates the Federal Reserve to define what constitutes an "affordable remittance...
Simple Explanation
H.R. 10057 is a plan for making it cheaper and easier to send money to other people by letting special money-sending companies use a really fast money-moving system called FedNow. This means sending money could cost less and be quicker, but it's still being figured out exactly which companies will get to use it.
H. R. 2269 — To require certain products to be labeled with Do Not Flush labeling, and for other purposes.
March 21, 2025
Status:Introduced in House
Congress:119
Words:2,095
H.R. 2269, also known as the "Wastewater Infrastructure Pollution Prevention and Environmental Safety Act" or the "WIPPES Act," requires that certain disposable wipes sold in the United States be labeled with "Do Not Flush" warnings. The bill mandates specific labeling requirements for...
Simple Explanation
Some products like wipes must have a "Do Not Flush" label so people know not to put them in the toilet, helping to keep pipes and the environment safe. The label rules make sure everyone across the country follows the same guidelines.
H. R. 9135 — To direct the Secretary of Transportation to require certain air carriers to develop and regularly update an operational resiliency strategy, and for other purposes.
July 25, 2024
Status:Introduced in House
Congress:118
Words:622
H. R. 9135, titled the “Ensuring Airline Resiliency to Reduce Delays and Cancellations Act”, directs the Secretary of Transportation to require certain airlines to create and regularly update a plan for dealing with flight disruptions. The plan should address how airlines...
Simple Explanation
The Ensuring Airline Resiliency to Reduce Delays and Cancellations Act is a plan that tells airlines to figure out how to deal with bad weather and other problems that can mess up flights, and to keep checking and updating their plan. Later, a special group checks if the plans are working and tells the people in charge what they find.
H. R. 10338 — To direct the Federal Trade Commission to promulgate regulations that prohibit the practice of deceptive downsizing, and for other purposes.
December 10, 2024
Status:Introduced in House
Congress:118
Words:792
H. R. 10338 seeks to stop companies from misleading consumers by reducing the size of products but using the same packaging, a practice known as "deceptive downsizing." The bill mandates the Federal Trade Commission (FTC) to create regulations prohibiting this practice to...
Simple Explanation
H. R. 10338 wants to stop companies from tricking people by making products smaller but keeping the box or bottle the same size. It tells a special group to make a rule to stop this so people get what they expect to buy.
H. R. 10031 — To require manufacturers of household appliances to affix to such appliances a label or tag disclosing estimated performance life, and for other purposes.
October 22, 2024
Status:Introduced in House
Congress:118
Words:1,088
H.R. 10031 is a bill that would require manufacturers of household appliances to attach a label to their products detailing the estimated performance life. The label should include information about how long the product is expected to last with and without routine...
Simple Explanation
H.R. 10031 wants to make sure all new kitchen and home appliances come with a special tag that tells you how long they should last and how much it would cost to keep them working well. This helps people know when an appliance might stop working and how to take care of it.
S. 780 — To amend the Truth in Lending Act to address certain issues relating to the extension of consumer credit, and for other purposes.
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February 27, 2025
Status:Introduced in Senate
Congress:119
Words:2,554
S. 780, titled the "SAFE Lending Act of 2025," aims to enhance consumer protections in the area of small-dollar lending. It proposes amendments to the Truth in Lending Act and the Electronic Fund Transfer Act to increase transparency, prevent unauthorized electronic...
Simple Explanation
S. 780 is like a rulebook that tries to make borrowing money safer for people. It teaches loan companies to be clearer about costs, stops them from charging hidden fees, and checks if they follow the rules.
H. R. 8505 — To amend title 49, United States Code, to expand the authority of the Administrator of the Federal Motor Carrier Safety Administration to assess penalties for violations of laws and regulations relating to the shipping of household goods, and for other purposes.
May 22, 2024
Status:Introduced in House
Congress:118
Words:1,787
H. R. 8505 aims to amend title 49 of the United States Code to increase the authority of the Federal Motor Carrier Safety Administration for penalizing violations related to household goods transportation laws. The bill proposes new provisions for civil penalties and allows...
Simple Explanation
H.R. 8505 wants to make sure that moving companies follow the rules when shipping people's things by giving more power to the people who check on them and letting states collect money from rule-breakers. It also asks these companies to share some important details about where they're based and who works there.
H. R. 1181 — To prohibit payment card networks and covered entities from requiring the use of or assigning merchant category codes that distinguish a firearms retailer from general-merchandise retailer or sporting-goods retailer, and for other purposes.
February 11, 2025
Status:Introduced in House
Congress:119
Words:1,021
H.R. 1181, titled the "Protecting Privacy in Purchases Act," aims to prevent payment card networks and related entities from using merchant category codes that categorize firearms retailers differently from general merchandise or sporting goods retailers. The bill authorizes...
Simple Explanation
H.R. 1181 is a bill that stops credit card companies from using special codes to show if a store sells guns, so they treat them like any other store. This is meant to keep what people buy more private.
H. R. 7440 — To promote innovation in financial services, and for other purposes.
February 23, 2024
Status:Introduced in House
Congress:118
Words:3,710
H.R. 7440, titled the “Financial Services Innovation Act of 2024,” seeks to boost innovation in financial services by allowing companies to request modifications or waivers of certain regulations if it helps introduce new technologies. The bill mandates the creation of...
Simple Explanation
H.R. 7440 is a plan to help new ideas in money services by letting companies ask for special rules to try out new technology, and it creates special groups to make sure everything stays fair and safe for people.
H. R. 7756 — To expand the scope of the Do Not Call rules under the Telephone Consumer Protection Act to include all telephone subscribers, and to expand the private right of action for calls in violation of those rules.
March 20, 2024
Status:Introduced in House
Congress:118
Words:418
H. R. 7756 aims to extend the Do Not Call rules of the Telephone Consumer Protection Act to cover all telephone subscribers, not just residential numbers. The bill also seeks to broaden the ability for individuals to take legal action if they receive unauthorized calls....
Simple Explanation
H. R. 7756 wants to make sure that no one gets annoying phone calls they don't want, no matter what kind of phone they have. If someone still gets these calls, they can go to court more easily to stop it.
H. R. 9303 — To amend the Electronic Fund Transfer Act to treat fraudulently induced electronic fund transfers in the same manner as unauthorized electronic fund transfers, and for other purposes.
August 02, 2024
Status:Introduced in House
Congress:118
Words:1,499
H.R. 9303 aims to amend the Electronic Fund Transfer Act by treating fraudulently induced electronic fund transfers the same way as unauthorized transfers. This bill updates definitions and consumer protections, ensuring better liability sharing between financial...
Simple Explanation
H.R. 9303 wants to make sure that when someone tricks you into sending money online, it should be treated the same way as if someone stole your money without you knowing, so banks have to help get your money back.
S. 381 — To amend the Truth in Lending Act to cap credit card interest rates at 10 percent.
February 04, 2025
Status:Introduced in Senate
Congress:119
Words:647
The bill, S. 381, aims to amend the Truth in Lending Act to place a cap on credit card interest rates at 10 percent. It introduces limitations on fees associated with credit cards to ensure they don't bypass this cap, and enforces penalties for violations. Additionally,...
Simple Explanation
This bill wants to make sure people don't have to pay more than 10% interest when they use their credit cards, and if someone is charged too much, they can ask to get it back within two years. But after December 31, 2030, these rules might go away unless new ones are made, so credit card costs could become high again.
H. R. 10509 — To expand and enhance consumer, student, servicemember, and small business protections with respect to debt collection practices, and for other purposes.
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December 18, 2024
Status:Introduced in House
Congress:118
Words:6,895
H. R. 10509, known as the “Comprehensive Debt Collection Improvement Act,” aims to strengthen protections for consumers, students, servicemembers, and small businesses against abusive debt collection practices. The bill includes various titles targeting different aspects of debt collection,...
Simple Explanation
H. R. 10509 is a bill that tries to make the rules for collecting money from people who owe it, like students and small businesses, more fair and clear, and it also wants to study how these rules affect everyone involved.
H. R. 1479 — To prohibit unfair and deceptive advertising of prices for hotel rooms and other places of short-term lodging, and for other purposes.
April 24, 2025
Status:Reported in House
Congress:119
Words:2,872
H. R. 1479, also known as the "Hotel Fees Transparency Act of 2025," aims to stop unfair and deceptive advertising of pricing for hotel rooms and other short-term lodgings in the United States. The bill requires companies to clearly display the total price of services,...
Simple Explanation
H. R. 1479 is a bill that makes sure hotel and lodging prices are clear and honest by having businesses show the full cost upfront. This helps people know exactly what they’re paying for without hidden fees.
S. 3541 — To amend the Federal Financial Institutions Examination Council Act of 1978 to improve the examination of depository institutions, and for other purposes.
December 14, 2023
Status:Introduced in Senate
Congress:118
Words:2,664
S. 3541 aims to improve the examination process for banks and credit unions in the United States by amending the Federal Financial Institutions Examination Council Act of 1978. The bill ensures that financial institutions receive timely final examination reports and...
Simple Explanation
The bill wants to make sure that people who check on banks and credit unions do a good job, and if someone has a complaint about the check-ups, there’s a special office to help them out. It also makes sure that the banks can't get in trouble for asking questions or disagreements during these check-ups.
H. R. 9991 — To amend the Credit Repair Organizations Act to add additional protections against harmful practices within the credit repair organization industry, and for other purposes.
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October 15, 2024
Status:Introduced in House
Congress:118
Words:2,214
The H.R. 9991 - Ending Scam Credit Repair Act seeks to amend the Credit Repair Organizations Act to enhance protections against harmful practices in the credit repair industry. The bill introduces stricter definitions and regulations for credit repair organizations by...
Simple Explanation
The Ending Scam Credit Repair Act is a bill that tries to stop credit repair companies from tricking people by making new rules, like not letting them ask for money before they really help fix someone's credit and needing them to have special permission to work by 2026. If these companies break the rules, they might have to pay $500 each time.
S. J. RES. 18 — Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to Overdraft Lending: Very Large Financial Institutions.
February 13, 2025
Status:Introduced in Senate
Congress:119
Words:234
S. J. RES. 18 is a joint resolution in the 119th Congress that disapproves a specific rule from the Bureau of Consumer Financial Protection. The rule in question concerns "Overdraft Lending: Very Large Financial Institutions," and was initially published in the Federal...
Simple Explanation
S. J. RES. 18 is a decision by some people in the government to say no to a new rule about how really big banks share money with people who spend too much from their accounts. If they say no, the rule won't happen, and we are not sure what will come instead.
H. R. 2704 — To amend the Fair Debt Collection Practices Act to prohibit debt collectors from collecting, or attempting to collect, on a debt of a consumer with respect to which the statute of limitations has expired, and for other purposes.
April 08, 2025
Status:Introduced in House
Congress:119
Words:301
H. R. 2704 seeks to amend the Fair Debt Collection Practices Act by introducing a rule that prevents debt collectors from trying to collect debts when the statute of limitations has already expired. This means if a debt is too old under the law, collection agencies cannot...
Simple Explanation
H. R. 2704 is a rule that says if a debt is too old, debt collectors can't try to make people pay it anymore. This makes sure that people aren't bothered about really old debts.
H. R. 1603 — To eliminate the Bureau of Consumer Financial Protection.
February 26, 2025
Status:Introduced in House
Congress:119
Words:171
H. R. 1603 seeks to dismantle the Bureau of Consumer Financial Protection by repealing the Consumer Financial Protection Act of 2010. If this bill becomes law, the existing laws that were changed or nullified by the 2010 Act will be restored to their previous condition,...
Simple Explanation
H. R. 1603 is like hitting a big undo button that would get rid of a group called the Bureau of Consumer Financial Protection, which helps people make sure their money is safe. If this happens, old money safety rules would come back, but it might cause some confusion about which rules are actually in use.
H. R. 2062 — To amend the Internal Revenue Code of 1986 to treat membership in a health care sharing ministry as a medical expense, and for other purposes.
March 11, 2025
Status:Introduced in House
Congress:119
Words:449
H. R. 2062 is a bill introduced in the U.S. House of Representatives to change the Internal Revenue Code of 1986. The bill aims to classify membership in a health care sharing ministry as a medical expense, allowing individuals to receive tax benefits similar to those for...
Simple Explanation
Imagine there is a special club where people help each other pay for doctor's visits, but this club is not the same as regular health insurance. This new rule wants to let people who join this club say those costs are like going to the doctor, so they can get money back when they do their taxes, just like regular medical expenses.
S. 294 — To require origin and location disclosure for new products of Foreign origin offered for sale on the internet.
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January 29, 2025
Status:Introduced in Senate
Congress:119
Words:1,511
S. 294 aims to require online sellers to clearly display the country of origin and the seller's main business location for new products that are made outside the United States and sold on the internet. However, this rule does not apply to agricultural, food, and drug products, secondhand...
Simple Explanation
S. 294 is a plan to make sure when you buy new stuff online that comes from other countries, the internet seller has to say where the product is made and where they are based, unless it’s food, medicines, secondhand items, or small businesses selling only a little bit of stuff.
H. R. 1402 — To require sellers of event tickets to disclose comprehensive information to consumers about ticket prices and related fees, and for other purposes.
February 18, 2025
Status:Introduced in House
Congress:119
Words:2,088
H. R. 1402, known as the "TICKET Act," aims to protect consumers by requiring sellers of event tickets to clearly disclose the total ticket price, including all fees, at the outset of any sale or advertisement. Sellers are also prohibited from marketing speculative tickets...
Simple Explanation
The "TICKET Act" is a rule that says when people buy tickets for shows or sports, the price must be shown with all the extra fees right from the start, so there are no surprises later.
H. R. 7825 — To direct the Federal Trade Commission to issue regulations to establish shrinkflation as an unfair or deceptive act or practice, and for other purposes.
March 26, 2024
Status:Introduced in House
Congress:118
Words:1,585
H.R. 7825 aims to direct the Federal Trade Commission (FTC) to establish rules that classify "shrinkflation" as an unfair or deceptive act. Shrinkflation occurs when companies reduce the size or amount of a product without a corresponding price decrease, misleading consumers....
Simple Explanation
H.R. 7825 is a bill that wants to stop companies from secretly giving less of a product for the same price, which is like sneaky shrinking. It asks the government to make rules to prevent this trick and lets states help make sure everyone follows the rules.
H. R. 1479 — To prohibit unfair and deceptive advertising of prices for hotel rooms and other places of short-term lodging, and for other purposes.
February 21, 2025
Status:Introduced in House
Congress:119
Words:2,736
H.R. 1479, titled the “Hotel Fees Transparency Act of 2025,” is a proposed bill aimed at preventing unfair and misleading advertising of prices for hotel rooms and other short-term lodgings in the U.S. The bill mandates that all covered entities, including hotels, short-term...
Simple Explanation
H.R. 1479 wants to make sure that when people book a hotel room or a place to stay for a short time, they know exactly how much it will cost from the very beginning, without any hidden fees. This means that hotels and rentals must show the full price right away so that people don't get surprised later with extra charges.
H. R. 2964 — An Act To require certain products to be labeled with ‘Do Not Flush’ labeling, and for other purposes.
June 11, 2024
Status:Engrossed in House
Congress:118
Words:2,071
H.R. 2964, also known as the "Wastewater Infrastructure Pollution Prevention and Environmental Safety Act" or "WIPPES Act," mandates that certain disposable wipes sold in the U.S. be clearly labeled with a "Do Not Flush" notice. This bill outlines specific labeling rules for...
Simple Explanation
The WIPPES Act is a new rule that says some cleaning wipes sold in stores must have a big sticker saying "Do Not Flush" to help keep toilets and pipes clear. It will start one year after it becomes a law, and if companies don't follow the rules, the government can step in.
H. R. 1747 — To provide a safe harbor from licensing and registration for certain non-controlling blockchain developers and providers of blockchain services.
May 06, 2024
Status:Reported in House
Congress:118
Words:797
H.R. 1747, known as the "Blockchain Regulatory Certainty Act," aims to create a safe harbor for non-controlling blockchain developers and service providers from state and federal licensing and registration requirements. The bill specifies that developers or providers who do...
Simple Explanation
H.R. 1747 is a rule that says people who create things using blockchain or help manage blockchain systems don't have to follow special money rules unless they can control the digital money people use.
H. R. 2713 — To improve online ticket sales and protect consumers, and for other purposes.
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April 08, 2025
Status:Introduced in House
Congress:119
Words:2,242
H.R. 2713, titled the "Mitigating Automated Internet Networks for Event Ticketing Act," aims to strengthen regulations surrounding online ticket sales by amending the Better Online Ticket Sales Act of 2016. The bill requires ticket sellers to implement robust security...
Simple Explanation
H.R. 2713 is a plan to make buying event tickets online safer and fairer by stopping robots from buying too many tickets and making sure anyone breaking the rules pays a big fine. It also wants to make sure companies use good safety measures to protect ticket sales.
H. R. 7766 — To require the National Institute of Standards and Technology to establish task forces to facilitate and inform the development of technical standards and guidelines relating to the identification of content created by generative artificial intelligence, to ensure that audio or visual content created or substantially modified by generative artificial intelligence includes a disclosure acknowledging the generative artificial intelligence origin of such content, and for other purposes.
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March 21, 2024
Status:Introduced in House
Congress:118
Words:3,025
H.R. 7766, also known as the "Protecting Consumers from Deceptive AI Act," requires the National Institute of Standards and Technology (NIST) to create task forces to help develop technical standards and guidelines for identifying content created by generative artificial...
Simple Explanation
H.R. 7766 wants to make sure people know if a picture, video, or sound was made by a computer program, and it asks experts to create rules to help everyone understand and spot these computer-made things. It also asks the government group in charge of fair business to make sure businesses follow these rules.
H. R. 8356 — To amend the Truth in Lending Act to provide for a safe harbor for small-dollar credit products, and for other purposes.
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May 10, 2024
Status:Introduced in House
Congress:118
Words:1,264
The bill, H.R. 8356, also known as the Small Dollar Loan Certainty Act, aims to amend the Truth in Lending Act to create a safe harbor for small-dollar credit products. This means that if financial institutions follow certain rules when offering loans or...
Simple Explanation
The bill wants to make borrowing small amounts of money, like $3,500 or less, safer and easier. If banks follow certain rules when giving these small loans, they won't get in trouble, and it helps make sure they lend money responsibly.
S. 4947 — To improve passenger vessel security and safety, and for other purposes.
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August 01, 2024
Status:Introduced in Senate
Congress:118
Words:11,315
The Cruise Passenger Protection Act of 2024 aims to enhance the security and safety of cruise ship passengers. It establishes new standards for passenger rights, consumer protection, crime reporting, and assistance for victims of crime on cruise ships. The bill also mandates...
Simple Explanation
The Cruise Passenger Protection Act of 2024 is like a set of new rules to keep people safe and happy when they go on big boats called cruise ships. It makes sure there are safety cameras, clear information, and help if anything bad happens.
H. R. 2808 — To amend the Fair Credit Reporting Act to prevent consumer reporting agencies from furnishing consumer reports under certain circumstances, and for other purposes.
April 10, 2025
Status:Introduced in House
Congress:119
Words:716
H. R. 2808, also known as the "Homebuyers Privacy Protection Act," aims to modify the Fair Credit Reporting Act in order to protect the privacy of consumers' credit information. Specifically, the bill seeks to prevent consumer reporting agencies from sharing a consumer's...
Simple Explanation
This bill, called the "Homebuyers Privacy Protection Act," wants to keep people's credit information safe when they're trying to buy a house. It says that credit reports should only be shared in certain situations, like when there's a real offer to give someone a loan or insurance.
S. 4053 — To prohibit the sale, lease, or loan of used motor vehicles with open recalls to consumers by auto dealers.
March 22, 2024
Status:Introduced in Senate
Congress:118
Words:1,200
S. 4053 aims to prevent auto dealers from selling, leasing, or loaning used motor vehicles that have open recalls to consumers. The bill requires manufacturers to reimburse dealers if a remedy for the recalled vehicle is unavailable, up to the vehicle's fair market value....
Simple Explanation
S. 4053 is a rule that says car dealers can't sell, rent, or lend cars that need fixing because of safety problems (called recalls). If the car can't be fixed on time, the company that made it must pay the dealer what the car is worth.
H. R. 8338 — To regulate small-dollar, short-term credit products, to protect the privacy of lenders, and to improve the unfair, deceptive, or abusive acts or practices authority of the Bureau of Consumer Financial Protection, and for other purposes.
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May 10, 2024
Status:Introduced in House
Congress:118
Words:3,815
The "Clarity in Lending Act," known as H.R. 8338, aims to regulate small-dollar, short-term loans to protect both consumers and lenders. It introduces safety measures for consumers, such as prohibiting certain loan practices and requiring good faith underwriting, while alleviating potential...
Simple Explanation
The "Clarity in Lending Act" is like a rulebook that helps people understand and be safe with small loans, making sure the rules are fair for everyone and protect people's secrets. It also gives people who lend money clear rules on what they can or can't do, helping everyone play fair and follow the rules.
S. RES. 690 — Supporting the designation of May 15, 2024, as National Senior Fraud Awareness Day to raise awareness about the increasing number of fraudulent scams targeted at seniors in the United States, to encourage the implementation of policies to prevent those scams from happening, and to improve protections from those scams for seniors.
May 15, 2024
Status:Agreed to Senate
Congress:118
Words:418
S. RES. 690 designates May 15, 2024, as "National Senior Fraud Awareness Day" to educate and raise awareness about the various scams targeted at seniors in the United States. This resolution highlights the increasing financial exploitation of individuals aged 65 and older,...
Simple Explanation
S. RES. 690 is a promise to make May 15, 2024, a special day to help people understand and stop bad guys who trick older people out of their money. It wants everyone to do their part in protecting our grandparents and senior friends from losing their savings.
H. R. 1402 — To require sellers of event tickets to disclose comprehensive information to consumers about ticket prices and related fees, and for other purposes.
April 24, 2025
Status:Reported in House
Congress:119
Words:2,214
H.R. 1402, titled the "Transparency In Charges for Key Events Ticketing Act" or the "TICKET Act," aims to ensure transparency in event ticket sales. The bill requires sellers of event tickets to clearly disclose the total price, including all associated fees, at every point...
Simple Explanation
Imagine you're buying tickets to a show or a game, and you're told exactly how much everything costs, without any surprise fees. That's what this new rule, called the "TICKET Act," wants everyone selling tickets to do, so you know exactly what you'll pay when you go to buy a ticket.
H. R. 9590 — To establish minimum Federal standards for sports betting, and for other purposes.
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September 12, 2024
Status:Introduced in House
Congress:118
Words:9,257
H.R. 9590, also known as the SAFE Bet Act of 2024, aims to establish nationwide standards for sports betting in the United States. The bill allows states to create their own sports wagering programs if they meet federal criteria, including restrictions to ensure fair...
Simple Explanation
The SAFE Bet Act of 2024 is like a rulebook telling everyone how to play fair when placing bets on sports, making sure they follow the rules to protect people and keep everything safe, just like when you play a board game with family and need to follow the instructions so everyone has fun!
S. RES. 118 — Designating March 6, 2025, as “National Slam the Scam Day” to raise awareness about pervasive scams and to promote education to prevent government imposter scams and other types of scams.
March 06, 2025
Status:Agreed to Senate
Congress:119
Words:466
S. RES. 118 designates March 6, 2025, as "National Slam the Scam Day" to raise awareness about scams where individuals pretend to be government employees, known as government imposter scams. The resolution highlights the significant financial losses these scams cause,...
Simple Explanation
S. RES. 118 wants everyone to remember March 6, 2025, as a day to learn about and stop bad people pretending to be workers from the government, which can trick people and take their money, especially older folks. It encourages sharing info about these tricks to help keep everyone safe.
S. 196 — To improve online ticket sales and protect consumers, and for other purposes.
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January 22, 2025
Status:Introduced in Senate
Congress:119
Words:2,247
The Mitigating Automated Internet Networks for Event Ticketing Act seeks to improve online ticket sales and protect consumers by amending the Better Online Ticket Sales Act of 2016. It requires ticket sellers to implement security measures on their websites to prevent...
Simple Explanation
The Mitigating Automated Internet Networks for Event Ticketing Act is a rule that helps people buy event tickets online more easily by stopping robots from buying all the tickets first. It makes sure companies selling tickets use special locks to keep these robots out and pay fines if they don't follow the rules.
H. R. 6543 — To prohibit unfair and deceptive advertising of prices for hotel rooms and other places of short-term lodging, and for other purposes.
May 10, 2024
Status:Reported in House
Congress:118
Words:1,843
H. R. 6543, known as the “No Hidden FEES Act of 2023,” aims to stop unfair and deceptive advertising of prices for hotel rooms and other short-term lodging. It requires that all mandatory fees be included in the advertised price, but allows individual components like taxes...
Simple Explanation
H. R. 6543 wants hotels to include all the extra costs that people must pay in the first price they show, so no one gets surprised with extra fees later. It helps make sure that when someone looks at the price of a hotel room, they see the whole price up front, and people who check if the hotels are being fair can use special rules to do it.
S. 4300 — To require the Secretary of Labor to maintain a publicly available list of all employers that relocate a call center or contract call center work overseas, to make such companies ineligible for Federal grants or guaranteed loans, and to require disclosure of the physical location of business agents engaging in customer service communications, and for other purposes.
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May 09, 2024
Status:Introduced in Senate
Congress:118
Words:2,766
S. 4300, also known as the "United States Call Center Worker and Consumer Protection Act of 2024," aims to regulate companies that move call center jobs overseas. It requires the Secretary of Labor to maintain a public list of such companies, making them ineligible for...
Simple Explanation
The bill wants to make a list of companies that move phone jobs to other countries and stop them from getting money help from the government for a while, and it also wants workers to tell callers where they are.
H. R. 9679 — To amend the Truth in Lending Act to address certain issues relating to the extension of consumer credit, and for other purposes.
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September 19, 2024
Status:Introduced in House
Congress:118
Words:2,541
H. R. 9679, titled the "SAFE Lending Act of 2024," aims to amend the Truth in Lending Act to improve consumer protections in the extension of credit. It proposes new rules to limit the use of unauthorized remotely created checks, enhance transparency and consumer empowerment in small-dollar...
Simple Explanation
The "SAFE Lending Act of 2024" tries to make borrowing money safer by setting rules to stop sneaky tricks and hidden fees, and it wants to make it clearer and fairer when people get small loans.
S. 976 — To amend the Patient Protection and Affordable Care Act to reduce fraudulent enrollments in qualified health plans, and for other purposes.
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March 12, 2025
Status:Introduced in Senate
Congress:119
Words:3,015
The Insurance Fraud Accountability Act seeks to reduce fraudulent enrollments in health insurance plans by amending the Patient Protection and Affordable Care Act. It introduces new penalties for agents and brokers who provide false information, with fines reaching up to...
Simple Explanation
The Insurance Fraud Accountability Act is like a rulebook that wants to stop people from cheating when signing up for health insurance by giving them big fines or time-outs if they lie. It also says there will be careful checks to make sure things are fair, but it might take a while to put these checks in place.
S. 5057 — To establish minimum Federal standards for sports betting, and for other purposes.
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September 16, 2024
Status:Introduced in Senate
Congress:118
Words:9,210
S. 5057 aims to establish minimum federal standards for sports betting across the United States. It proposes a framework for state sports wagering programs, outlines consumer protections, and enhances measures to maintain the integrity of sports competitions. The bill also...
Simple Explanation
The bill is like a rulebook that sets basic rules for betting money on sports games across the U.S. It wants to make sure everyone plays fair, stays safe from money problems, and has the chance to stop betting if they want to.
H. J. RES. 121 — Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to Credit Card Penalty Fees (Regulation Z).
March 26, 2024
Status:Introduced in House
Congress:118
Words:196
H. J. RES. 121 is a joint resolution that expresses Congress's disapproval of a specific rule issued by the Bureau of Consumer Financial Protection. This rule concerns "Credit Card Penalty Fees (Regulation Z)" and was published in the Federal Register on March 15, 2024. By passing this...
Simple Explanation
Congress is saying, "No" to a new rule about extra fees on credit cards, and they want to make sure this rule doesn't become real so people and banks don't have to worry about it.
H. R. 4766 — To provide for the regulation of payment stablecoins, and for other purposes.
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May 07, 2024
Status:Reported in House
Congress:118
Words:7,910
H. R. 4766, named the “Clarity for Payment Stablecoins Act of 2023,” aims to regulate payment stablecoins, which are digital assets designed to maintain a stable value. The bill outlines who can issue stablecoins, requiring them to back their coins with reserves like U.S. currency or Treasury...
Simple Explanation
The Clarity for Payment Stablecoins Act of 2023 is like a set of rules to make sure digital coins called stablecoins stay safe and fair, needing people who make these coins to keep enough money to back them up and get permission to do so. It also makes it clear that these coins are different from other money stuff like stocks, so they have their own special rules.
S. 4208 — To authorize annual appropriations for the Affordable Connectivity Program, to expand the Universal Service Fund to support the Affordable Connectivity Program, and for other purposes.
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April 30, 2024
Status:Introduced in Senate
Congress:118
Words:2,612
The bill S. 4208, titled the "Promoting Affordable Connectivity Act of 2024," aims to support and enhance the Affordable Connectivity Program in the United States. It authorizes funds to be appropriated annually for this program and proposes expanding the Universal Service...
Simple Explanation
The Promoting Affordable Connectivity Act of 2024 is a plan to help more people get internet access by giving extra money to a special program and asking big internet companies to help pay for it. The plan also lets the group in charge borrow a lot of money to make sure it works well.
H. R. 10434 — To amend the Consumer Product Safety Act to increase reliance by the Consumer Product Safety Commission on voluntary consumer product safety standards, and for other purposes.
December 16, 2024
Status:Introduced in House
Congress:118
Words:306
H. R. 10434 seeks to amend the Consumer Product Safety Act to increase how much the Consumer Product Safety Commission (CPSC) relies on voluntary safety standards for consumer products. The bill allows the CPSC to create mandatory safety standards only if they are exactly the...
Simple Explanation
H. R. 10434 wants the group in charge of keeping people safe with their stuff, called the CPSC, to mostly use already-made safety rules instead of making new ones. This means they should try to use plans that are already safe before deciding on new rules.
H. RES. 1229 — Supporting the designation of May 15, 2024, as National Senior Fraud Awareness Day to raise awareness about the increasing number of fraudulent scams targeted at seniors in the United States, to encourage the implementation of policies to prevent those scams from happening, and to improve protections from those scams for seniors.
May 15, 2024
Status:Introduced in House
Congress:118
Words:384
H. RES. 1229 proposes the establishment of "National Senior Fraud Awareness Day" on May 15, 2024, to highlight the increasing scams targeting elderly individuals in the United States. The resolution acknowledges the significant financial losses seniors face from various types of fraud and...
Simple Explanation
May 15, 2024, will be called National Senior Fraud Awareness Day to help people learn about bad guys who try to trick older folks out of their money. This special day wants everyone to know these tricks exist so we can all help protect grandmas and grandpas from losing money to these sneaky scams.
H. R. 2481 — To require online dating service providers to provide fraud ban notifications to online dating service members, and for other purposes.
March 31, 2025
Status:Introduced in House
Congress:119
Words:2,069
H.R. 2481 is a bill designed to protect users of online dating services from scams. It requires online dating platforms to notify users if they have interacted with someone who has been banned for possible fraudulent activities. The notification must include specific details,...
Simple Explanation
H.R. 2481 is a rule that says if someone on a dating website might be doing something sneaky, the website must tell other people who talked to that person and give tips to stay safe. The plan is for everyone in the country to follow the same rules.
S. 4893 — To require online service providers to disclose their acceptable use policies, provide users with written notice before the termination of a user's account, and publish an annual report detailing actions taken to enforce their acceptable use policies, and for other purposes.
July 31, 2024
Status:Introduced in Senate
Congress:118
Words:3,492
S. 4893, also known as the "Transparency in Enforcement, Restricting, and Monitoring of Services Act" or the "TERMS Act," requires online service providers to openly share their acceptable use policies. These providers must notify users in writing before terminating or...
Simple Explanation
The TERMS Act is like a new set of rules for apps and websites to be clear about what people can and can't do when using them. It says they have to tell people in advance if they want to close their account, explain their rules simply, and share a yearly report about how they apply these rules.
S. 3686 — To prevent anticompetitive conduct through the use of pricing algorithms by prohibiting the use of pricing algorithms that can facilitate collusion through the use of nonpublic competitor data, creating an antitrust law enforcement audit tool, increasing transparency, and enforcing violations through the Sherman Act and Federal Trade Commission Act, and for other purposes.
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January 30, 2024
Status:Introduced in Senate
Congress:118
Words:2,782
The Preventing Algorithmic Collusion Act of 2024 aims to stop companies from using pricing algorithms that could lead to unfair competition by sharing secret competitor data. It requires businesses using such algorithms to provide detailed reports about their algorithms to...
Simple Explanation
The Preventing Algorithmic Collusion Act of 2024 wants to stop companies from secretly working together to set prices using computer programs. It makes companies tell the truth about how they use these programs and punishes them with big fines if they cheat.
H. R. 8337 — To amend the Federal banking laws to improve the safety and soundness of the United States banking system, and for other purposes.
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December 03, 2024
Status:Reported in House
Congress:118
Words:8,542
H.R. 8337 seeks to enhance the safety and soundness of the U.S. banking system by amending various federal banking laws. The bill proposes changes like increasing asset thresholds for regulatory supervision, streamlining the application process for bank operations, and...
Simple Explanation
H.R. 8337 is like trying to make the rules for banks safer and fairer by changing how they are watched and checked, but some people worry that the new rules might help big banks more than the small ones.
H. R. 1832 — To establish Golden Sea Bream as an acceptable market name for Stenotomus chrysops.
March 04, 2025
Status:Introduced in House
Congress:119
Words:165
H.R. 1832 proposes that the name "Golden Sea Bream" can be officially used in the market to refer to the fish species Stenotomus chrysops. This bill aims to ensure that using this name will not cause the fish to be considered improperly labeled or violate any rules under the...
Simple Explanation
H.R. 1832 wants to make it okay to call a certain type of fish, Stenotomus chrysops, by the name "Golden Sea Bream" at stores. This means people can use that name without getting in trouble for having wrong labels.
H. R. 8493 — To establish the Task Force to Stop Price Gouging, and for other purposes.
May 22, 2024
Status:Introduced in House
Congress:118
Words:510
H. R. 8493 establishes the "Task Force to Stop Price Gouging." This task force will focus on unfair and illegal pricing practices that negatively impact consumers in the United States. It will consist of members from the Department of Justice, the Federal Trade Commission,...
Simple Explanation
H. R. 8493 is a new plan to make sure people don't cheat others by charging too much for things they need, like food. It creates a special team that will check up on prices and make sure everyone plays fair.
H. R. 1770 — To direct the Consumer Product Safety Commission to establish a pilot program to explore the use of artificial intelligence in support of the mission of the Commission and to direct the Secretary of Commerce and the Federal Trade Commission to study and report on the use of blockchain technology and tokens, respectively.
March 03, 2025
Status:Introduced in House
Congress:119
Words:1,735
H.R. 1770, known as the “Consumer Safety Technology Act,” seeks to implement new technologies to enhance consumer protection. The bill directs the Consumer Product Safety Commission to create a pilot program for using artificial intelligence to improve product safety....
Simple Explanation
The Consumer Safety Technology Act is a bill that wants to use new technology like smart computers and special digital records to help make sure products are safe for people to use. It also asks some groups to study how these technologies can stop people from getting tricked.
S. 4919 — To establish a regulatory sandbox program under which agencies may provide waivers of agency rules and guidance, and for other purposes.
July 31, 2024
Status:Introduced in Senate
Congress:118
Words:6,111
S. 4919 proposes the creation of a regulatory sandbox program allowing federal agencies to temporarily waive certain rules for businesses to encourage innovation and economic growth. The bill outlines the establishment of an Office of Federal Regulatory Relief to oversee this...
Simple Explanation
S. 4919 is trying to set up a special place where businesses can try out new ideas without following all the usual rules, as long as they don’t hurt anybody and they help create jobs. There will be a team making sure everything is safe and fair, and if businesses don’t like a decision, they can ask for another look.
S. 4155 — To provide for effective regulation of payment stablecoins, and for other purposes.
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April 17, 2024
Status:Introduced in Senate
Congress:118
Words:33,975
The Lummis-Gillibrand Payment Stablecoin Act (S. 4155) aims to regulate payment stablecoins in the United States. It sets out requirements for stablecoin issuers, including maintaining reserves of 100% of the stablecoin's nominal value for depository institutions. The Act...
Simple Explanation
The Lummis-Gillibrand Payment Stablecoin Act is a law that wants to make sure "stablecoins" (a kind of digital money) are safe for people to use by asking companies to keep enough real money in reserve. It's like making sure a lemonade stand always has enough lemons to refill every lemonade cup they sell.
H. R. 7390 — To make price gouging unlawful, to expand the ability of the Federal Trade Commission to seek permanent injunctions and equitable relief, and for other purposes.
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February 15, 2024
Status:Introduced in House
Congress:118
Words:3,843
H.R. 7390, known as the “Price Gouging Prevention Act of 2024,” aims to make price gouging illegal and expand the Federal Trade Commission's (FTC) powers to combat it. The bill prohibits selling goods or services at grossly excessive prices, particularly during exceptional...
Simple Explanation
H.R. 7390 is a plan that wants to stop people from raising prices too much when things go wrong, like during a big storm. It also wants a special group, called the Federal Trade Commission, to help stop this and makes sure companies tell the truth about their prices.
H. R. 6132 — To require the Consumer Product Safety Commission to promulgate a mandatory consumer product safety standard with respect to retractable awnings.
April 26, 2024
Status:Reported in House
Congress:118
Words:494
H. R. 6132 is a bill that requires the Consumer Product Safety Commission (CPSC) to create a mandatory safety standard for retractable awnings. The goal is to prevent risks such as unexpected opening, which can lead to serious injuries or even death. The CPSC will clarify...
Simple Explanation
H. R. 6132 wants to make sure that big umbrellas called retractable awnings are safe by asking a special safety group to create rules. This will help keep people from getting hurt by these umbrellas opening by surprise.
H. R. 1870 — To amend the Infrastructure Investment and Jobs Act to improve the Broadband Equity, Access, and Deployment Program, and for other purposes.
March 05, 2025
Status:Introduced in House
Congress:119
Words:1,576
The SPEED for BEAD Act aims to amend the Infrastructure Investment and Jobs Act to enhance the Broadband Equity, Access, and Deployment Program. Key changes include defining gigabit-level broadband service, renaming certain program elements by substituting "Equity" with...
Simple Explanation
The SPEED for BEAD Act wants to make changes to a big plan about the internet to make sure everyone has better internet service. It says the money has to be used by a certain time, stops rules that could make internet prices too high, and makes sure any type of technology can get funding to help people have good internet connections.
H. R. 2087 — To establish minimum Federal standards for sports betting, and for other purposes.
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March 11, 2025
Status:Introduced in House
Congress:119
Words:9,723
H.R. 2087, titled the "SAFE Bet Act of 2025," aims to establish Federal standards for sports betting in the United States. It provides guidelines for state sports wagering programs, prohibits activities that jeopardize the integrity of sporting events, and sets consumer and...
Simple Explanation
The SAFE Bet Act of 2025 wants to create rules for how people can bet on sports to keep it fair, safe, and healthy. It sets up ways to protect people's money and personal information while making sure everyone plays by the same rules.
H. R. 8143 — To establish requirements relating to credit scores and educational credit scores, and for other purposes.
April 29, 2024
Status:Introduced in House
Congress:118
Words:6,050
H.R. 8143, known as the "Free Credit Scores for Consumers Act of 2024," aims to improve transparency and accessibility regarding credit scores for consumers. The bill mandates that consumer reporting agencies provide free credit scores and educational credit scores alongside...
Simple Explanation
H.R. 8143 is a bill that would make sure people can see their credit scores for free, teaching them what these scores mean and how to make them better, so they understand their credit better without having to pay extra money.
H. R. 7352 — To prohibit States from prohibiting or otherwise deterring the usage of any merchant category code established by the International Organization for Standardization, including codes that identify firearm merchants and ammunition merchants.
February 14, 2024
Status:Introduced in House
Congress:118
Words:281
H.R. 7352, also known as the "Identify Gun Stores Act," aims to prevent states from banning or discouraging the use of specific merchant category codes set by the International Organization for Standardization. These codes, which include identifiers for firearm and ammunition...
Simple Explanation
This bill says that states can't stop stores from using special codes to show if they sell things like toy guns or toy bullet-shaped items. If a state tries to stop these codes, a big boss called the Attorney General can step in.
H. R. 8379 — To codify certain rules issued by the Secretary of Transportation relating to airline fare transparency, and for other purposes.
May 14, 2024
Status:Introduced in House
Congress:118
Words:250
H. R. 8379 is a bill that aims to make certain rules about airline fare transparency into law. It includes two specific regulations by the Secretary of Transportation: one concerning refunds and consumer protections, and another focused on making additional airline service...
Simple Explanation
H. R. 8379 is a bill that wants to make sure airlines show their ticket prices clearly and tell you if there are any extra fees. It aims to help people understand exactly what they’re paying for when buying airplane tickets.
H. R. 7510 — To establish an interagency Working Group to study financial safety and inclusion for survivors, and for other purposes.
February 29, 2024
Status:Introduced in House
Congress:118
Words:2,154
The bill, H.R. 7510, proposes the creation of an interagency Working Group to study financial safety and inclusion for survivors of economic and domestic abuse. This group will collect and analyze data from financial institutions on economic abuse tactics and their impact, and explore ways to...
Simple Explanation
The bill suggests creating a group from different government agencies to help people who face money problems because of abuse. They plan to study how to make banks and financial services kinder and safer for these people.
S. 28 — To require the disclosure of a camera or recording capability in certain internet-connected devices.
January 07, 2025
Status:Introduced in Senate
Congress:119
Words:941
S. 28 aims to ensure consumers are informed if smart devices contain cameras or microphones. The bill requires manufacturers to clearly disclose the presence of these components before purchase. The Federal Trade Commission (FTC) is responsible for enforcing these...
Simple Explanation
S. 28 is a rule that says makers of smart gadgets must tell people if their devices have cameras or microphones before they buy them, so everyone knows what they're getting. However, phones and laptops are exceptions since people generally expect them to have these features.
S. 4943 — To amend the Electronic Fund Transfer Act to treat fraudulently induced electronic fund transfers in the same manner as unauthorized electronic fund transfers, and for other purposes.
August 01, 2024
Status:Introduced in Senate
Congress:118
Words:1,513
S. 4943 aims to amend the Electronic Fund Transfer Act to ensure that electronic fund transfers induced by fraud are treated the same way as unauthorized transfers. It updates definitions and establishes shared liability between financial institutions when such transfers...
Simple Explanation
S. 4943 wants to make sure that when someone tricks you into sending money online, it's treated the same way as if someone stole from you, helping to protect people from scammers by making banks share the blame if they mess up.
H. R. 7428 — To regulate the business of offering and providing earned wage access services to consumers, and for other purposes.
February 20, 2024
Status:Introduced in House
Congress:118
Words:2,447
H.R. 7428, also known as the "Earned Wage Access Consumer Protection Act," aims to regulate services that allow people to access their earned wages before the usual payday. The bill sets rules for how these services can operate, including requirements for transparency in fees...
Simple Explanation
The bill is like a set of rules for companies that let people get paid early. It wants to make sure everything is fair, such as telling people any costs, and making sure it's safe to use without any tricks.
H. R. 10095 — To amend the Patient Protection and Affordable Care Act to reduce fraudulent enrollments in qualified health plans, and for other purposes.
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November 01, 2024
Status:Introduced in House
Congress:118
Words:2,974
H.R. 10095, also known as the "Insurance Fraud Accountability Act," seeks to amend the Patient Protection and Affordable Care Act to reduce fraudulent enrollments in qualified health plans. The bill introduces penalties for agents and brokers who provide false information, ranging from civil...
Simple Explanation
This bill is trying to stop people from cheating when signing up for health insurance by punishing those who lie, like agents and brokers, and by making sure people agree to enroll. It also makes sure that the people who help sign up others follow the rules, to keep everything fair and honest.
H. J. RES. 201 — Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders.
August 30, 2024
Status:Introduced in House
Congress:118
Words:207
H. J. RES. 201 is a proposal for Congress to disapprove a specific rule from the Bureau of Consumer Financial Protection. This rule, published on July 8, 2024, concerns the "Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders." If Congress passes...
Simple Explanation
H. J. RES. 201 is like saying, "Hey, we don't want this new rule about a special list of companies to matter anymore," and if Congress agrees, then the rule will be gone.
S. 1316 — An Act To amend the Fair Credit Reporting Act to expand the definition of an active duty military consumer for purposes of certain credit monitoring requirements, and for other purposes.
November 13, 2024
Status:Engrossed in Senate
Congress:118
Words:304
S. 1316 aims to amend the Fair Credit Reporting Act by changing the definition of a consumer in the military for credit monitoring purposes. Instead of just "active duty military consumer," it will now include any individual identified as an "armed forces member consumer,"...
Simple Explanation
This bill changes who gets special credit check help from just soldiers on active duty to all military members, so more of them can be protected when banks look at their credit.
S. 3819 — To direct the Federal Trade Commission to issue regulations to establish shrinkflation as an unfair or deceptive act or practice, and for other purposes.
February 28, 2024
Status:Introduced in Senate
Congress:118
Words:1,621
The bill S. 3819, titled the "Shrinkflation Prevention Act of 2024," aims to establish regulations through the Federal Trade Commission (FTC) to classify shrinkflation as an unfair or deceptive act. Shrinkflation occurs when companies reduce the size of a product but do not...
Simple Explanation
The "Shrinkflation Prevention Act of 2024" is a rule that wants to stop companies from being sneaky by making products smaller without changing the price, which can trick people buying them. The plan is to have special rules to prevent this trick, and if companies still try to do it, they could get in trouble with the law.
H. J. RES. 220 — Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt.
November 13, 2024
Status:Introduced in House
Congress:118
Words:217
H. J. RES. 220 is a joint resolution proposed in the United States House of Representatives on November 13, 2024. It aims to disapprove and nullify a rule established by the Bureau of Consumer Financial Protection. This rule, related to "Debt Collection Practices (Regulation...
Simple Explanation
In H. J. RES. 220, some people in the U.S. government say they don't want a new rule about collecting money people owe on medical bills to be used because they think it's not fair. They want to make sure this rule doesn't count anymore.
H. R. 6837 — To prohibit the circumvention of control measures used by internet retailers to ensure equitable consumer access to products, and for other purposes.
December 14, 2023
Status:Introduced in House
Congress:118
Words:1,435
The Stopping Grinch Bots Act of 2023 aims to stop people from bypassing online security measures that retailers use to maintain fair customer access to products. It makes it illegal to get around purchasing limits or controls and to sell items obtained this way if the person...
Simple Explanation
The Stopping Grinch Bots Act of 2023 is like a rule to stop sneaky people from using tricks to buy lots of toys or games online before others can. It's meant to make sure everyone gets a fair chance to buy things and lets big helpers like the Federal Trade Commission make sure the rules are followed.
H. R. 4814 — An Act To direct the Consumer Product Safety Commission to establish a pilot program to explore the use of artificial intelligence in support of the mission of the Commission and to direct the Secretary of Commerce and the Federal Trade Commission to study and report on the use of blockchain technology and tokens, respectively.
May 14, 2024
Status:Engrossed in House
Congress:118
Words:1,731
H.R. 4814, also known as the “Consumer Safety Technology Act,” seeks to enhance consumer protection using new technology. It directs the Consumer Product Safety Commission to initiate a pilot program that explores the use of artificial intelligence in its safety efforts. The...
Simple Explanation
In this bill, they want to try using smart computers and special tech to keep people safe from bad products, and they are also studying how new internet money ideas might help.
S. 4171 — To amend the Natural Gas Act to protect consumers from excessive rates, and for other purposes.
April 18, 2024
Status:Introduced in Senate
Congress:118
Words:1,143
The Making Pipelines Accountable to Consumers and Taxpayers Act (S. 4171) aims to amend the Natural Gas Act to protect consumers from paying excessive rates for natural gas services. It requires natural gas companies to provide refunds, with interest, if their rates are found...
Simple Explanation
The Making Pipelines Accountable to Consumers and Taxpayers Act is a plan to make sure people don't pay too much money for natural gas. If gas companies charge too much, they have to give back the extra money with a little extra added on, like a refund.
H. R. 2019 — To require covered entities to issue a short-form terms of service summary statement, and for other purposes.
March 10, 2025
Status:Introduced in House
Congress:119
Words:2,324
H.R. 2019, known as the “Terms-of-service Labeling, Design, and Readability Act” or the “TLDR Act,” requires companies that operate commercial websites or online services to provide a clear and concise summary of their terms of service. This summary must be easily accessible,...
Simple Explanation
H.R. 2019 wants companies to make a simple summary of their rules for users, so everyone knows how they use and share personal data, and if they had any data problems before. This law also wants companies to use pictures to explain how they handle information, and if they don't follow the rules, they could get in trouble.
S. 394 — To provide for the regulation of payment stablecoins, and for other purposes.
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February 04, 2025
Status:Introduced in Senate
Congress:119
Words:10,699
S. 394 aims to create a regulatory framework for payment stablecoins in the United States. The bill establishes standards and requirements for entities that wish to issue stablecoins, ensuring they are backed 1:1 with reserves of U.S. currency, Treasury bills, or similar...
Simple Explanation
S. 394 is a proposed law that makes rules for digital money called stablecoins, ensuring they are safe and backed by real money, like U.S. dollars, and it sets up checks to make sure they are used properly.
H. R. 4814 — An Act To direct the Consumer Product Safety Commission to establish a pilot program to explore the use of artificial intelligence in support of the mission of the Commission and to direct the Secretary of Commerce and the Federal Trade Commission to study and report on the use of blockchain technology and tokens, respectively.
May 15, 2024
Status:Referred in Senate
Congress:118
Words:1,674
H. R. 4814, known as the "Consumer Safety Technology Act," aims to explore and study new technologies to enhance consumer protection. The bill directs the Consumer Product Safety Commission to pilot the use of artificial intelligence (AI) for improving product safety by...
Simple Explanation
The Consumer Safety Technology Act wants to use new technology to keep people safe by checking if products are safe and stopping fake things on the internet. It asks some important people to test using smart computers and special internet tools to see if they can help keep us safe from bad products and scams.
H. R. 9452 — To provide antitrust exemptions for State licensed real estate brokers or their salespersons or any trade association to which they may belong regulated and licensed by States.
September 03, 2024
Status:Introduced in House
Congress:118
Words:624
H.R. 9452, titled the “Common Sense Real Estate Consumer Rights Protection Act of 2024,” seeks to provide antitrust exemptions for state-licensed real estate brokers, their salespersons, and any trade associations they might belong to. It emphasizes that the regulation and...
Simple Explanation
This bill wants to let real estate agents and their groups have their own special rules so they don't always have to follow big national rules. It believes that each state should be able to make its own rules about selling houses and buildings.
S. 5272 — To amend chapter 423 of title 49, United States Code, to provide protections with respect to frequent flyer programs and co-branded credit cards, and for other purposes.
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September 25, 2024
Status:Introduced in Senate
Congress:118
Words:1,266
The bill S. 5272 proposes changes to chapter 423 of title 49 of the United States Code to offer more protections for members of frequent flyer programs and users of co-branded credit cards. These protections include clearly displaying the value of points or miles, prohibiting...
Simple Explanation
The bill wants to make sure that when you earn points or miles from flying or using special credit cards, those points don't expire, are easy to use and understand, and that when airlines change anything, they tell everyone way ahead of time.
H. R. 8628 — To prohibit the Director of the Bureau of Consumer Financial Protection from issuing new rules or guidance relating to buy now pay later services until the Bureau and the Comptroller General of the United States each conduct a study on such services, and for other purposes.
June 05, 2024
Status:Introduced in House
Congress:118
Words:973
H. R. 8628, known as the “Examining Consumer Choice in Digital Payments Act,” aims to prevent the Bureau of Consumer Financial Protection from issuing new rules or guidance related to "buy now pay later" services. This restriction will last until both the Bureau and the...
Simple Explanation
In this bill, they want to pause making new rules about "buy now, pay later" services, like when you buy something and pay for it later, until experts study how these services work and if they are good or not. This is like a big timeout so they can learn more before deciding anything new.
S. 2498 — To prohibit unfair and deceptive advertising of prices for hotel rooms and other places of short-term lodging, and for other purposes.
August 01, 2024
Status:Reported to Senate
Congress:118
Words:4,113
S. 2498 is a bill titled the "Hotel Fees Transparency Act of 2024" that aims to stop unfair and misleading advertising of prices for hotel rooms and other short-term lodgings. It requires that all advertised prices for these services include mandatory fees, excluding taxes,...
Simple Explanation
S. 2498 is a rule that says hotels must show the real price of a room, so people know exactly how much they have to pay without any surprises, and the government will help make sure they do.
S. 467 — To amend the Internal Revenue Code of 1986 to allow an above-the-line deduction for attorney fees and costs in connection with consumer claim awards.
February 06, 2025
Status:Introduced in Senate
Congress:119
Words:794
S. 467 aims to change the Internal Revenue Code of 1986 to allow individuals to deduct attorney fees and costs related to consumer claim awards directly from their income. This deduction would apply specifically to claims involving violations of consumer protection laws,...
Simple Explanation
In S. 467, people would be able to subtract the money they spend on lawyer fees for certain consumer problems, like when companies break rules about products and services, from their income before paying taxes. This change might make it tricky to understand all the different rules and who’s in charge, but it could help people save money when they win or settle these types of cases.
H. R. 8196 — To amend the Fair Debt Collection Practices Act to safeguard access to information for consumers and to stop abusive debt litigation, and for other purposes.
May 01, 2024
Status:Introduced in House
Congress:118
Words:1,119
H.R. 8196 is designed to amend the Fair Debt Collection Practices Act to protect consumers by enhancing their access to information about their debts and preventing abusive debt-related lawsuits. The bill introduces detailed requirements for debt collectors, including the...
Simple Explanation
H.R. 8196 is like a new rule that helps people know more about their debts and stops mean tricks when someone sues them over money. It makes sure debt collectors have to tell people what's happening and give proof they really owe the money before taking them to court.
H. R. 6132 — An Act To require the Consumer Product Safety Commission to promulgate a mandatory consumer product safety standard with respect to retractable awnings.
May 15, 2024
Status:Referred in Senate
Congress:118
Words:346
H. R. 6132, known as the “Awning Safety Act of 2023,” is a proposed law that requires the Consumer Product Safety Commission to create a new safety rule for retractable awnings. The law aims to reduce the risks of death or serious injury related to awnings unexpectedly...
Simple Explanation
The Awning Safety Act of 2023 is like a plan to make special rules to ensure that big tent-like covers that roll out (called awnings) don’t accidentally smack into people and cause them harm. It asks a group in charge of keeping people safe to come up with these rules in 18 months so that everyone can use awnings without getting hurt.
H. R. 9552 — To amend title 49, United States Code, to exempt ticket agents that are small businesses from the requirement to provide refunds for cancelled or significantly delayed or changed flights, and for other purposes.
September 12, 2024
Status:Introduced in House
Congress:118
Words:251
H. R. 9552, known as the “Flight Refund Fairness Act,” seeks to amend title 49 of the United States Code. The bill proposes that small businesses acting as ticket agents should be exempt from the requirement to provide refunds for flights that are canceled, significantly...
Simple Explanation
H.R. 9552 wants to change a rule so that tiny travel companies don't have to give money back if a flight is canceled or changed, but this might make it unfair for people buying tickets from these small companies because they might not get refunds like they would with bigger companies. 👩‍✈️✈️
H. R. 8544 — To require original equipment manufacturers of digital electronic equipment to make available certain documentation, diagnostic, and repair information to independent repair providers, and for other purposes.
May 23, 2024
Status:Introduced in House
Congress:118
Words:2,574
H.R. 8544, known as the "Fair Repair Act," aims to ensure that makers of digital electronics provide necessary repair documentation, tools, and parts to independent repair providers and device owners on fair and reasonable terms. The bill prohibits manufacturers from using...
Simple Explanation
H.R. 8544 is a new rule that says companies have to share information and tools so anyone can fix their gadgets, like phones or computers, without making it too hard or expensive. It doesn’t count for things like cars or medical gadgets and ensures secrets are safe unless needed to help fix stuff.
H. R. 6543 — An Act To prohibit unfair and deceptive advertising of prices for hotel rooms and other places of short-term lodging, and for other purposes.
June 12, 2024
Status:Referred in Senate
Congress:118
Words:1,685
H. R. 6543, also known as the "No Hidden Fees on Extra Expenses for Stays Act of 2023," aims to stop unfair and misleading advertising of hotel room and short-term lodging prices in the United States. It requires that all mandatory fees be included in the advertised prices so...
Simple Explanation
The bill wants hotels and places where people stay overnight to show the real price, including all extra costs, when they advertise, so everyone knows how much they will actually pay.
H. R. 7428 — To regulate the business of offering and providing earned wage access services to consumers, and for other purposes.
December 03, 2024
Status:Reported in House
Congress:118
Words:2,461
H. R. 7428 aims to regulate companies that offer earned wage access services, which allow workers to access their earned wages before payday. The bill requires these companies to offer a no-cost option to consumers and provide clear disclosures about fees, voluntary payments,...
Simple Explanation
H.R. 7428 is a rule that tries to make it fair and safe when companies let people get their paychecks early. It makes sure there's a free way to use this service, clear explanations about any costs, and protects people from getting into trouble or being treated unfairly just because of who they are.
H. R. 8505 — To amend title 49, United States Code, to expand the authority of the Administrator of the Federal Motor Carrier Safety Administration to assess penalties for violations of laws and regulations relating to the shipping of household goods, and for other purposes.
December 19, 2024
Status:Reported in House
Congress:118
Words:2,124
H.R. 8505, also known as the "Household Goods Shipping Consumer Protection Act," aims to strengthen the authority of the Federal Motor Carrier Safety Administration in penalizing violations related to the shipping of household goods. The bill outlines administrative procedures for imposing...
Simple Explanation
H.R. 8505 is a bill that gives more power to a group that makes sure moving companies follow the rules so that people’s stuff is moved safely and fairly; and it also lets states help and keep some of the money if companies break the rules.
H. R. 6125 — An Act To require online dating service providers to provide fraud ban notifications to online dating service members, and for other purposes.
September 24, 2024
Status:Referred in Senate
Congress:118
Words:1,820
H.R. 6125, known as the “Online Dating Safety Act of 2023,” aims to protect users of online dating services in the United States by requiring service providers to send notifications if a user interacts with someone who has been banned for fraudulent activity. The...
Simple Explanation
H.R. 6125 is a new rule that says if you're using an online dating app and chat with someone who got kicked out for trying to trick people, the app has to tell you. This will help keep people safer when meeting others online.
H. R. 6543 — An Act To prohibit unfair and deceptive advertising of prices for hotel rooms and other places of short-term lodging, and for other purposes.
June 11, 2024
Status:Engrossed in House
Congress:118
Words:1,695
The No Hidden FEES Act of 2023 aims to ensure that consumers are not misled by unfair or deceptive advertising of prices for hotel rooms and other short-term lodgings. It requires all mandatory fees in the total price to be clearly disclosed when reservations are offered for...
Simple Explanation
The No Hidden FEES Act of 2023 says that when you see a price for a hotel room, it has to show all the extra costs upfront, so there are no hidden surprises. If hotels don't do this, they can get in trouble with the government.
S. 527 — To require the Federal Trade Commission to study the role of intermediaries in the pharmaceutical supply chain and provide Congress with appropriate policy recommendations, and for other purposes.
February 11, 2025
Status:Introduced in Senate
Congress:119
Words:952
The bill, titled the "Prescription Pricing for the People Act of 2025," directs the Federal Trade Commission (FTC) to study intermediaries in the pharmaceutical supply chain, like pharmacy benefit managers. The FTC must look into the pricing practices and competitive behavior of these...
Simple Explanation
The bill wants the government to look closely at how companies that help with medicine prices are doing their job and find ways to make medicine cheaper and fairer for people to buy. It asks for a report to tell Congress how to make this better with some rules.

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