24. H.R. 346, to authorize the Federal Trade Commission to impose civil penalties of up to $22,000 per violation on individuals or organizations that commit unfair or deceptive acts or practices during periods of national emergency. Yes. Passed 422-1, under suspension of rules. 2/12/03.

26. H.R. 395, Do-Not-Call Implementation Act to authorize the Federal Trade Commission from FY 2003 through FY 2007 to collect fees to set up and enforce a program to let individuals avoid telemarketers by placing their telephone numbers on a “do-not-call” registry. Yes. Passed 418-7. 2/12/03.

68. H.R. 314, to provide a narrow exemption from collection disclosure requirements under the Fair Debt Collection Practices Act to apply only to first lien federally related mortgages acquired by a mortgage servicer for whom the collection of delinquent debts is incidental to its primary function of servicing current mortgages. Yes. Passed 424-0, under suspension of rules. 3/19/03.

94. H.R. 1166, to authorize Small Business Development Centers in eligible states to expand assistance to Native American, Native Hawaiian, and Native Alaskan communities. Yes. Passed 378-14, under suspension of rules. 3/31/03.

98. H.R. 522, to increase from $100,000 to $130,000 the maximum account deposit covered through the Federal Deposit Insurance Corporation with adjustments for inflation beginning in 2005 and merge the insurance funds for banks and savings associations. Yes. Passed 411-11. 4/2/03.

116. H.R. 205, to require the Small Business Administration to coordinate with Small Business Development Centers to provide additional information and assistance to help small businesses comply with federal and state regulations. Yes. Passed 417-4, under suspension of rules. 4/8/03.

246. H.R. 1474, Check Clearing for the 21st Century Act to authorize the creation of a substitute check, a new negotiable instrument that is a paper reproduction of an original check from an electronically transmitted image, allow check images to be transported electronically between financial institutions for payment, require substitute checks to accurately represent all the information on the front and back of the original check, and provide that substitute checks have the same legal status as canceled paper checks and carry the same consumer protections. Yes. Passed 405-0. 6/5/03.

254. H.R. 2143, Unlawful Internet Gambling Prohibition Act. Amendment to strike a provision in the bill exempting state regulated or licensed transactions from the ban on processing Internet wagers. No. Failed 186-237. 6/10/03.

255. H.R. 2143. On passage of the bill to give federal regulators a new, more effective tool for combating offshore Internet gambling sites that illegally extend their services to U.S. residents via the Internet by requiring financial institutions and credit card companies to take steps to block the processing of unlawful Internet wagers. Yes. Passed 319-104. 6/10/03.

281. H.R. 658, to allow the Securities and Exchange Commission to use an expedited process to hire professional staff for corporate crime investigations and allow an exemption from competitive service hiring procedures for accountants, economists and securities compliance examiners, but provide that once hired, they would be treated as all other competitive service employees. Yes. Passed 423-0, under suspension of rules. 6/17/03.

294. H.R. 660, Small Business Health Fairness Act. Substitute amendment to allow employers with fewer than 100 employees to participate in a Small Employer Health Benefits Plan that would be similar to the Federal Employees Health Benefits Plan and require employers to pay at least half of their employees’ premium costs and to offer coverage to all employees who have completed three months of service. No. Failed 183-238. 6/19/03.

295. H.R. 660. Motion to recommit the bill to the Education and the Workforce Committee with instructions to add language to protect existing group health plan coverage for breast cancer screening, pregnancy and childbirth, well child care and direct access to obstetric and gynecological services. No. Failed 192-230. 6/19/03.

296.H.R. 660. On passage of the bill to allow the creation of association health plans under which small companies could join together to buy health insurance for their employees and provide an exemption from many individual state insurance regulations for association health plans that cover employees in multiple states but require the plans to be regulated by the Labor Department. Yes. Passed 262-162. 6/19/03.

303. H.R. 923, to create a two-year pilot program to permit qualified Certified Development Companies under the Premier Certified Lenders Program to elect to use a risk-based approach to calculate their small business loan loss reserve requirements and require 1 percent of a loan’s outstanding balance to be kept in reserve as opposed to the current requirement of 1 percent of a loan’s original value. Yes. Passed 416-3, under suspension of rules. 6/24/03.

462. H.R. 1533, to amend securities laws to permit church pension plans to be invested i collective trusts. Yes. Passed 397-0, under suspension of rules. 9/3/03.

495. H.R. 2622, Fair and Accurate Credit Transactions Act. Amendment to prohibit credit card issuers from increasing a promised or introductory interest rate because of negative information regarding other credit accounts contained in a consumer’s credit report but allow credit card companies to change interest rates if the individual is at least 60 days delinquent on paying other credit card debt. No. Failed 142-272. 9/10/03.

496. H.R. 2622. Amendment sunset after nine years the bill’s extension of Uniformed National Consumer Protections Standards for credit reporting rules including those dealing with the sharing of consumer credit information by corporate affiliates. No. Failed 112-310. 9/10/03.

497. H.R. 2622. Amendment to require regional credit bureaus to give consumers a free copy of their credit report each year in addition to the bill’s requirement that allows all consumers to obtain a free annual credit report from the three nationwide consumer reporting agencies. No. Passed 235-186. 9/10/03.

498. H.R. 2622. Amendment to set a national standard for consumer access to credit scores and credit reports by preempting any future state law regarding free credit reports and consumer access to credit scores and provide that existing state laws regarding such reports and access not be pre-empted. Yes. Passed 233-189. 9/10/03.

499. H.R. 2622. On passage of the bill to help consumers fight identity theft and ensure the accuracy of their credit reports by making permanent uniform national consumer protection standards and provide that consumers could request one free copy of their credit report each year from each of the national and regional credit bureaus. Yes. Passed 392-30. 9/10/03.

521. H.R. 3161, to give the Federal Trade Commission explicit authority to create a “do not call” registry and begin enforcing it and imposing fines on violators on October 1, 2003. Yes. Passed 412-8. 9/25/03.

535. H.R. 3108, to replace the current standard that employers must use to determine their pension liabilities – the 30-year Treasury bond interest rate – with a corporate bond rate for two years through December 31, 2005. The bill gives the Treasury Department the flexibility to establish the interest rate based on a blend of corporate bond indexes. Yes. Passed 397-2. 10/8/03.

638. H.R. 2420, Mutual Funds Integrity and Fee Transparency Act to curb trading abuses involving mutual funds and increase disclosure of mutual fund fees and expenses. Yes. Passed 418-2, under suspension of rules. 11/19/03.

655. H.R. 253, to reauthorize the National Flood Insurance Program and authorize the Federal Emergency Management Agency to use $450 million in program funding over five years to buy repetitive lost properties or take other actions to mitigate against future damages and provide that owners of repetitive loss properties who refuse buyout offers or refuse to take actions to mitigate against future damages would have to pay market rates for flood insurance. Yes. Passed 352-67, under suspension of rules. 11/20/03.

667. H.R. 2622. To adopt the conference report to the bill to help consumers fight identity theft and ensure the accuracy of their credit reports by making permanent uniform national consumer protection standards and provide that consumers could request one free copy of their credit report each year from each of the national and regional credit bureaus. Yes. Passed 379-49, under suspension of rules. 11/21/03.