Expressing the sense of the Congress that the Federal Government and the States should engage in greater oversight of title loan and title pawn transactions, work cooperatively to address the problem of abuses in title loan and title pawn transactions through effective legislation at both the Federal and State level, as necessary, and ensure that any Federal legislative effort preserves the ability of the States to enact stronger protections for consumers with respect to such transactions.

Received in the Senate and referred to the Committee on Banking, Housing, and Urban Affairs.

Congressional Research Service

Official summary

Version 00 · Introduced in House · Apr 13, 2000

Expresses the sense of Congress that States should more closely regulate title pawn transactions and outlaw the imposition of usurious interest rates on title loans to consumers.

Read the summary on Congress.gov

PlainBill analysis is coming later. This page presents official source data. We have not yet published a PlainBill explanation for this bill.

People & committees

Who introduced it

Rep. Shaw, E. Clay, Jr. [R-FL-22] · R–FL

Committees

Banking, Housing, and Urban Affairs Committee
Financial Services Committee

7 cosponsorship records, including any withdrawals

Legislative record

Actions

A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.

Jun 28, 2000
Received in the Senate and referred to the Committee on Banking, Housing, and Urban Affairs.
Jun 27, 2000
The title of the measure was amended. Agreed to without objection.
Jun 27, 2000
Motion to reconsider laid on the table Agreed to without objection.
Jun 27, 2000
On motion to suspend the rules and agree to the resolution, as amended Agreed to by the Yeas and Nays: (2/3 required): 420 - 6 (Roll no. 331). (text: CR H5180)
House roll call 331 · Individual votes
Jun 27, 2000
Passed/agreed to in House: On motion to suspend the rules and agree to the resolution, as amended Agreed to by the Yeas and Nays: (2/3 required): 420 - 6 (Roll no. 331).(text: CR H5180)
House roll call 331 · Individual votes
Jun 27, 2000
Considered as unfinished business. (consideration: CR H5205-5206)
Jun 27, 2000
At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.
Jun 27, 2000
DEBATE - The House proceeded with forty minutes of debate on H. Con. Res. 312.
Jun 27, 2000
Considered under suspension of the rules. (consideration: CR H5179-5181)
Jun 27, 2000
Mrs. Roukema moved to suspend the rules and agree to the resolution, as amended.
Apr 13, 2000
Referred to the House Committee on Banking and Financial Services.
Apr 13, 2000
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Apr 13, 2000
Introduced in House
Apr 13, 2000
Introduced in House

Primary sources

Bill text & related measures

Text links open the official source. We currently store references to these documents.

Referred in Senate · Jun 28, 2000 Formatted Text PDF
Engrossed in House · Jun 27, 2000 Formatted Text PDF
Introduced in House · Apr 13, 2000 Formatted Text PDF

Related bills identified by Congress.gov

No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.

Source last updated: Apr 7, 2025. Consult Congress.gov for the current record.

AI Conversation Starters

Explore the bill from different angles

Choose a perspective, copy a prompt, and paste it into your preferred AI. Each prompt includes the bill version and available official source links, and asks for counterarguments as well as supporting evidence.

Neutral evidence review

Objective

Analyze H.Con.Res.312 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

View full prompt & sources

Discuss H.Con.Res.312, 106th Congress: Expressing the sense of the Congress that the Federal Government and the States should engage in greater oversight of title loan and title pawn transactions, work cooperatively to address the problem of abuses in title loan and title pawn transactions through effective legislation at both the Federal and State level, as necessary, and ensure that any Federal legislative effort preserves the ability of the States to enact stronger protections for consumers with respect to such transactions.

Official record: https://www.congress.gov/bill/106th-congress/house-concurrent-resolution/312

Text version to examine: Referred in Senate · 2000-06-28.

Official full text: https://www.congress.gov/106/bills/hconres312/BILLS-106hconres312rfs.htm

Imported record last updated by the source: 2025-04-07T13:46:38Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Analyze H.Con.Res.312 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

Fairness and public impact

Progressive lens

Examine H.Con.Res.312 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

View full prompt & sources

Discuss H.Con.Res.312, 106th Congress: Expressing the sense of the Congress that the Federal Government and the States should engage in greater oversight of title loan and title pawn transactions, work cooperatively to address the problem of abuses in title loan and title pawn transactions through effective legislation at both the Federal and State level, as necessary, and ensure that any Federal legislative effort preserves the ability of the States to enact stronger protections for consumers with respect to such transactions.

Official record: https://www.congress.gov/bill/106th-congress/house-concurrent-resolution/312

Text version to examine: Referred in Senate · 2000-06-28.

Official full text: https://www.congress.gov/106/bills/hconres312/BILLS-106hconres312rfs.htm

Imported record last updated by the source: 2025-04-07T13:46:38Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.Con.Res.312 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

Institutions and government scope

Conservative lens

Examine H.Con.Res.312 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

View full prompt & sources

Discuss H.Con.Res.312, 106th Congress: Expressing the sense of the Congress that the Federal Government and the States should engage in greater oversight of title loan and title pawn transactions, work cooperatively to address the problem of abuses in title loan and title pawn transactions through effective legislation at both the Federal and State level, as necessary, and ensure that any Federal legislative effort preserves the ability of the States to enact stronger protections for consumers with respect to such transactions.

Official record: https://www.congress.gov/bill/106th-congress/house-concurrent-resolution/312

Text version to examine: Referred in Senate · 2000-06-28.

Official full text: https://www.congress.gov/106/bills/hconres312/BILLS-106hconres312rfs.htm

Imported record last updated by the source: 2025-04-07T13:46:38Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.Con.Res.312 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

Individual rights and government power

Liberty lens

Examine H.Con.Res.312 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.

View full prompt & sources

Discuss H.Con.Res.312, 106th Congress: Expressing the sense of the Congress that the Federal Government and the States should engage in greater oversight of title loan and title pawn transactions, work cooperatively to address the problem of abuses in title loan and title pawn transactions through effective legislation at both the Federal and State level, as necessary, and ensure that any Federal legislative effort preserves the ability of the States to enact stronger protections for consumers with respect to such transactions.

Official record: https://www.congress.gov/bill/106th-congress/house-concurrent-resolution/312

Text version to examine: Referred in Senate · 2000-06-28.

Official full text: https://www.congress.gov/106/bills/hconres312/BILLS-106hconres312rfs.htm

Imported record last updated by the source: 2025-04-07T13:46:38Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.Con.Res.312 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.