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H.R.3126 Consumer Financial Protection Agency Act of 2009, 111th Congress

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Official Bill Info

  • Latest Action: Dec 09, 2009 Reported (Amended) by the Committee on Energy and Commerce. H. Rept. 111-367, Part I.

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    I know the most recent action for this bill is as follows: "Reported (Amended) by the Committee on Energy and Commerce. H. Rept. 111-367, Part I." on Dec 09, 2009
  • Committee Assignment: House Committee on Financial Services

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    This bill has been assigned to the House Committee on Financial Services committee.
  • Committee Assignment: House Committee on Energy and Commerce

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    This bill has been assigned to the House Committee on Energy and Commerce committee.
  • Committee Assignment: House Committee on Energy and Commerce - Commerce, Manufacturing, and Trade

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    This bill has been assigned to the House Committee on Energy and Commerce - Commerce, Manufacturing, and Trade committee.

Bill Statistics on OpenCongress

  • 61% of users oppose H.R.3126

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    61% of users on OpenCongress.org, a free, non-partisan resource, oppose H.R.3126.
  • H.R.3126 has been viewed 109,794 times

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    H.R.3126 has been viewed 109,794 times on OpenCongress.org, a free, non-partisan resource.
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    OpenCongress Bill Summary

    • This bill is a central element of Congress' overhaul of financial regulations. It would establish a Consumer Financial Protection Agency with the authority and accountability to supervise, examine, and enforce consumer financial protection laws. Financial transactions falling under the agency's jurisdiction would include mortgages, credit cards, student loans, auto loans, payday loans, and more. The agency would work in these areas to ban deceptive practices, ensure the safety and fairness of new consumer financial products that come on to the market and, generally, to promote transparency, simplicity, fairness, accountability, and access. It is scheduled to be voted on by the House Financial Services Committee on October 14, 2009. More information about the bill's provisions can be found at the OpenCongress blog.

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      Here's a summary from OpenCongress.org: This bill is a central element of Congress' overhaul of financial regulations. It would establish a Consumer Financial Protection Agency with the authority and accountability to supervise, examine, and enforce consumer financial protection laws. Financial transactions falling under the agency's jurisdiction would include mortgages, credit cards, student loans, auto loans, payday loans, and more. The agency would work in these areas to ban deceptive practices, ensure the safety and fairness of new consumer financial products that come on to the market and, generally, to promote transparency, simplicity, fairness, accountability, and access. It is scheduled to be voted on by the House Financial Services Committee on October 14, 2009. More information about the bill's provisions can be found at the OpenCongress blog.

    Supporting Organizations

    • Center for Responsible Lending

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      I know that the organization Center for Responsible Lending supports H.R.3126
    • National Council of La Raza

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      I know that the organization National Council of La Raza supports H.R.3126
    • National Association for the Advancement of Colored People

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      I know that the organization National Association for the Advancement of Colored People supports H.R.3126
    • Service Employees International Union

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      I know that the organization Service Employees International Union supports H.R.3126

    Opposing Organizations

    • American Bankers Association

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      I know that the organization American Bankers Association opposes H.R.3126
    • American Financial Services Association

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      I know that the organization American Financial Services Association opposes H.R.3126
    • Independent Community Bankers Association

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      I know that the organization Independent Community Bankers Association opposes H.R.3126
    • Chamber of Commerce

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      I know that the organization Chamber of Commerce opposes H.R.3126
    • American Advertising Federation

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      I know that the organization American Advertising Federation opposes H.R.3126
    • Consumer Mortgage Coalition

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      I know that the organization Consumer Mortgage Coalition opposes H.R.3126
    • National Association of Mutual Insurance Companies

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      I know that the organization National Association of Mutual Insurance Companies opposes H.R.3126
    • National Association of Professional Insurance Agents

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      I know that the organization National Association of Professional Insurance Agents opposes H.R.3126
    • National Automobile Dealers Association

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      I know that the organization National Automobile Dealers Association opposes H.R.3126
    • Real Estate Service Providers Council

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      I know that the organization Real Estate Service Providers Council opposes H.R.3126
    • The Financial Services Roundtable

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      I know that the organization The Financial Services Roundtable opposes H.R.3126
    • Business Roundtable

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      I know that the organization Business Roundtable opposes H.R.3126

    Most-commented sections of the bill text

    Highest Rated User Comments

    • On December 19, 2009, by tyg - To the people who think the free market will "weed out" the bad/deceptive companies: if that was true, why hasn't it happened already? To the people who respond to any good thing for all humans as "socialism," what is wrong with you? Stop throwing around buzzwords that you don't really understand. I've yet to come across anyone who could explain their stance in an intelligent way & knew what they were talking about, instead of just regurgitating skewed news and what other people have said. I don't know about anyone else, but I've played by the rules & gotten screwed. The companies I've dealt with have NOT played fair, and they are still in business. Yes, I have responsibility in my choices, but when the TRUTH is obscured & I find out about it after it's too late, I have a major problem that corporate responsibility is not ALSO EXPECTED. The credit card companies & student loan lenders have robbed us all blind. We're not paying what we OWE; we're being extorted.

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      As noted by tyg, a user on OpenCongress.org, on December 19, 2009, "To the people who think the free market will "weed out" the bad/deceptive companies: if that was true, why hasn't it happened already? To the people who respond to any good thing for all humans as "socialism," what is wrong with you? Stop throwing around buzzwords that you don't really understand. I've yet to come across anyone who could explain their stance in an intelligent way & knew what they were talking about, instead of just regurgitating skewed news and what other people have said. I don't know about anyone else, but I've played by the rules & gotten screwed. The companies I've dealt with have NOT played fair, and they are still in business. Yes, I have responsibility in my choices, but when the TRUTH is obscured & I find out about it after it's too late, I have a major problem that corporate responsibility is not ALSO EXPECTED. The credit card companies & student loan lenders have robbed us all blind. We're not paying what we OWE; we're being extorted."
    • On November 07, 2009, by Betonavette - Does everyone know this?? WASHINGTON - During consideration of H.R. 3126, legislation to establish a Consumer Financial Protection Agency (CFPA), Democrats on the House Financial Services Committee voted to pass an amendment offered by Rep. Maxine Waters (D-CA) that will make ACORN eligible to play a role in setting regulations for financial institutions. The Waters amendment adds to the CFPA Oversight Board 5 representatives from the fields of "consumer protection, fair lending and civil rights, representatives of depository institutions that primarily serve underserved communities, or representatives of communities that have been significantly impacted by higher-priced mortgages" to join Federal banking regulators in advising the Director on the consistency of proposed regulations, and strategies and policies that the Director should undertake to enforce its rules.

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      As noted by Betonavette, a user on OpenCongress.org, on November 07, 2009, "Does everyone know this?? WASHINGTON - During consideration of H.R. 3126, legislation to establish a Consumer Financial Protection Agency (CFPA), Democrats on the House Financial Services Committee voted to pass an amendment offered by Rep. Maxine Waters (D-CA) that will make ACORN eligible to play a role in setting regulations for financial institutions. The Waters amendment adds to the CFPA Oversight Board 5 representatives from the fields of "consumer protection, fair lending and civil rights, representatives of depository institutions that primarily serve underserved communities, or representatives of communities that have been significantly impacted by higher-priced mortgages" to join Federal banking regulators in advising the Director on the consistency of proposed regulations, and strategies and policies that the Director should undertake to enforce its rules. "
    • On April 06, 2010, by mikeb37415 - oh like they did with banks??

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      As noted by mikeb37415, a user on OpenCongress.org, on April 06, 2010, "oh like they did with banks??"

    Highly Rated Blog Articles

    • Expanding Federal Regulation of Private Student Loans - December 31, 2010 by Student Loans and Grants - The House panel, in a vote of 39 to 29, approved the Consumer Financial Protection Agency Act of 2009 (HR 3126), a centerpiece of the Obama administration's pursuit to overhaul the nation's financial regulatory system. ...

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      As noted by Student Loans and Grants on December 31, 2010, "The House panel, in a vote of 39 to 29, approved the Consumer Financial Protection Agency Act of 2009 (HR 3126), a centerpiece of the Obama administration's pursuit to overhaul the nation's financial regulatory system. ..." (http://studentloansandgrants.blogspot.com/2011/01/expanding-federal-regulation-of-private.html)
    • The expansion of Federal Regulation of Private Student Loans - December 31, 2010 by UGG® Boots master here - panel, the 39-29 vote, the Financial Services Consumer Protection Agency Act 2009 (HR 3126) focused on administrationâ Obama? s Nationa further upgrade? financial regulatory system. a. Legislation approved in order to create a new ...

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      As noted by UGG® Boots master here on December 31, 2010, "panel, the 39-29 vote, the Financial Services Consumer Protection Agency Act 2009 (HR 3126) focused on administrationâ Obama? s Nationa further upgrade? financial regulatory system. a. Legislation approved in order to create a new ..." (http://uggmaster.com/online-business-articles/the-expansion-of-federal-regulation-of-private-student-loans.html)
    • Expanding Federal Regulation of Private Student Loans | Student ... - December 31, 2010 by Student Loans And Grants - The House panel, in a opinion of 39 to 29, authorized a Consumer Financial Protection Agency Act of 2009 (H.R. 3126), a centerpiece of a Obama administration's office to renovate a nation's monetary regulatory system. ...

      Clicking this will add the following text:

      As noted by Student Loans And Grants on December 31, 2010, "The House panel, in a opinion of 39 to 29, authorized a Consumer Financial Protection Agency Act of 2009 (H.R. 3126), a centerpiece of a Obama administration's office to renovate a nation's monetary regulatory system. ..." (http://www.student-loans-and-grants.com/2011/01/expanding-federal-regulation-of-private-student-loans/)

    Highly Rated News Articles

    • - March 02, 2010 by NJ.com (blog) - Obama said we need the Consumer Financial Protection Agency, (CFPA) HR 3126, which would create a separate stand alone agency with the sole mission of ...

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      As noted by NJ.com (blog) on March 02, 2010, " Obama said we need the Consumer Financial Protection Agency, (CFPA) HR 3126, which would create a separate stand alone agency with the sole mission of ... " (http://www.miamiherald.com/2010/03/01/1507337/ap-sources-senate-working-on-wall.html)
    • Matsui Anti-Foreclosure Amendment Adopted Into Wall Street Reform Act - December 13, 2009 by RealEstateRama - Washington, DC - October 22, 2009 - (realestaterama) -- During the House Financial Services Committee mark-up of HR 3126, the Consumer Financial Protection ...

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      As noted by RealEstateRama on December 13, 2009, " Washington, DC - October 22, 2009 - (realestaterama) -- During the House Financial Services Committee mark-up of HR 3126, the Consumer Financial Protection ... " (http://california.realestaterama.com/2009/12/14/matsui-anti-foreclosure-amendment-adopted-into-wall-street-reform-act-ID0527.html)
    • - December 08, 2009 by Legal News Line - The overall proposal is outlined in HR 3126. A final vote on the plan is expected Friday. The new consumer protection agency is opposed by, ...

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      As noted by Legal News Line on December 08, 2009, " The overall proposal is outlined in HR 3126. A final vote on the plan is expected Friday. The new consumer protection agency is opposed by, ... " (http://www.legalnewsline.com/news/224438-state-ags-powers-could-be-limited-by-house-amendment)
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