Overdraft Protection Act of 2021 This bill prohibits a financial institution from engaging in unfair or deceptive acts in connection with overdraft coverage. Each financial institution that offers overdraft coverage for accounts must disclose overdraft coverage fees. It must also disclose that the consumer's transaction may be declined if there are insufficient funds in the related account, and the consumer will not be charged a fee if such transaction is declined. A financial institution must provide certain other disclosures regarding its overdraft protection program, including prompt notification of the account's overdraft status. The bill limits the number of overdraft fees a consumer may be charged each month and year, and provides that such fees must be reasonable. The bill prohibits an overdraft coverage fee if the overdraft results solely from a debit hold amount that exceeds the actual dollar amount of the transaction. The bill also prohibits a financial institution from charging a non-sufficient fund fee for any automated teller machine or debit card transaction, or reporting negative information regarding consumer use of overdraft coverage to any consumer reporting agency when the overdraft amounts and coverage fees are paid under the terms of an overdraft coverage program.
Rep. André Carson
Sponsored bills
Naomi Schwartz Safe Parking Program Act of 2021 This bill directs the Department of Housing and Urban Development to establish a grant program for safe parking programs operated by local governments, tribes, nonprofit organizations, and certain organizations that assist the homeless. Safe parking programs provide homeless individuals living in vehicles with (1) a safe place to park overnight to facilitate a transition to stable housing, and (2) services including rehousing assistance and case management.
Maddy summaryHRES 1282 is a non-binding House resolution expressing support for designating July as "Disability Pride Month." It recognizes that over 61 million U.S. adults live with disabilities and connects the designation to the anniversary of the Americans with Disabilities Act (signed July 26, 1990). The resolution urges Americans to observe the month with celebrations and actively work to prevent discrimination against people with disabilities. It does not create new laws or funding but formally endorses public recognition of disability pride.
Behavioral Health Coverage Transparency Act of 2022 This bill increases oversight of the insurance coverage parity requirements for mental health and substance use disorder, including providing a process for auditing insurance providers and filing formal complaints for violations of the requirements.
Equal Access to Justice for Victims of Gun Violence Act of 2022 This bill removes limitations on the civil liability of gun manufacturers and the disclosure of gun trace data in civil actions. Specifically, the bill repeals the Protection of Lawful Commerce in Arms Act, which prohibits civil actions against a firearm or ammunition manufacturer, seller, importer, dealer, or trade association for damages resulting from the criminal or unlawful misuse of a firearm. Additionally, the bill states that firearms trace data maintained by the Bureau of Alcohol, Tobacco, Firearms and Explosives is not immune from legal process. Such data is subject to discovery; is admissible as evidence; and may be used, relied on, or disclosed in a civil action or administrative proceeding.
Fashioning Accountability and Building Real Institutional Change Act or the FABRIC Act This bill requires garment industry employers to pay at least the hourly minimum wage and prohibits piece rate pay. Garment manufacturers and contractors also must register with the Department of Labor.
No Shame at School Act of 20 22 This bill establishes requirements for the treatment of a child who is participating in the National School Lunch Program or the School Breakfast Program and owes unpaid school meal fees. It also requires local educational agencies to certify certain children (e.g., homeless children) as categorically eligible for free lunches or breakfasts without an application.
Canyon's Law This bill prohibits the preparing, placing, installing, setting, deploying, or otherwise using an M-44 device on public land. An M-44 device is defined as a device designed to propel sodium cyanide when triggered by an animal, including any device that may be commonly known as an M-44 ejector device or an M-44 predator control device. No later than 30 days after the enactment of this bill, any federal, state, or county agency that has prepared, placed, installed, set, or deployed an M-44 device on public land shall remove each such device from such land.
Reproductive Health Travel Fund Act of 2022 This bill authorizes the Department of Health and Human Services to award grants to pay for travel, childcare, and other expenses of an individual seeking access to abortion services. Eligible grant recipients must be nonprofit or community-based organizations that assist individuals seeking abortion services through programs that are unbiased and medically and factually accurate. The grants may not be used to pay for abortion procedures.
No Tax Breaks for Union Busting (NTBUB) Act This bill denies employers a tax deduction for any expenditures incurred for attempting to influence their employees with respect to labor organizations or labor organization activities, such as elections, labor disputes, and collective actions. The bill requires employers to report on their attempts to influence their employees with respect to labor organizations and their activities.