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H.R.3102 / 103rd Congress

To amend the Truth in Lending Act, Truth in Savings Act, and Consumer Leasing Act to modify certain disclosure requirements.

Referred to the Subcommittee on Consumer Credit and Insurance.

Official summary

Version 00 · Introduced in House · Sep 21, 1993

Amends the Truth in Lending Act of 1968, Truth in Savings Act of 1991, and Consumer Leasing Act of 1976 to declare that radio broadcast advertisements satisfy statutory consumer disclosure requirements if they include toll-free telephone numbers providing consumers with disclosure information prior to engaging in the transactions specified.

Read the summary on Congress.gov
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Who introduced it

Rep. LaRocco, Larry [D-ID-1] · D–ID

Committees

  • Financial Services Committee
60 cosponsorship records, including any withdrawals

Actions

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

  1. Referred to the Subcommittee on Consumer Credit and Insurance.

  2. Referred to the House Committee on Banking, Finance + Urban Affrs.

  3. Sponsor introductory remarks on measure. (CR E2207-2208)

  4. Introduced in House

  5. Introduced in House

Bill text & related measures

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

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: Feb 6, 2024. Consult Congress.gov for the current record.

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Neutral evidence review

Objective

Analyze H.R.3102 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.

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Fairness and public impact

Progressive lens

Examine H.R.3102 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.

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Institutions and government scope

Conservative lens

Examine H.R.3102 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.

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Individual rights and government power

Liberty lens

Examine H.R.3102 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.

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