PlainBillCongress, translated.Legislation. Context. Public interest.Referred to the Subcommittee on Finance and Hazardous Materials.
Congressional Research Service
Version 00 · Introduced in House · Apr 13, 2000
Financial Consumers' Bill of Rights Act - Amends various Acts to: (1) limit or prohibit certain open-end consumer credit plan (credit card) late fees, fees regarding checks for which there are insufficient funds (bounced checks) (also prohibits certain chargebacks), and electronic terminal (ATM) fees; (2) require a Federal financial supervisory agency's examination of a financial institution to assess the lifeline banking needs of the institution's community; (3) modify requirements regarding termination of a mandated annual report to Congress on bank fees and services; (4) require treating a consumer contract binding arbitration requirement as an unfair and deceptive trade act or practice under Federal or State law; (5) regulate the security, confidentiality, integrity, disclosure, and use of nonpublic personal information held or disclosed by a financial institution; (6) prohibit obtaining financial institution customer information by false pretenses; (7) provide for toll-free telephone numbers (and, for the Federal Trade Commission (FTC), a World Wide Web address) where a consumer can contact a creditor, a consumer reporting agency, or the FTC about potential fraud involving the consumer; and (8) require insured depository institutions to allow each depositor, without charge, at least three transactions directly with the institution's employees each month. Establishes the Federal Commission on Alternative Identifying Numbers to develop a model alternative to the use of Social Security numbers as identifying numbers in public documents, records, and licenses.
People & committees
Rep. Schakowsky, Janice D. [D-IL-9] · D–IL
Legislative record
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Referred to the Subcommittee on Finance and Hazardous Materials.
Referred to the Committee on Banking and Financial Services, and in addition to the Committee on Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Referred to the Committee on Banking and Financial Services, and in addition to the Committee on Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Referred to the Committee on Banking and Financial Services, and in addition to the Committee on Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Introduced in House
Introduced in House
Primary sources
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Source last updated: Aug 20, 2025. Consult Congress.gov for the current record.
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