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Occurrences in the Congressional Record

Entry Title Date
Concurrent Resolution On The Budget, Fiscal Year 2016—Conference Report—Continued May 5, 2015
Elizabeth Warren, D-MA
"Assuming it is applied proportionately, the Republican budget can cut mandatory transportation funding by 40 percent over the next decade. That will be significantly fewer dollars to repair and improve our highways and to help keep our buses and trains moving in Massachusetts. So if you already think we have a crumbling infrastructure, if you are already worried about old buses and whether the T can struggle through another winter, remember that the Republicans want to slash the support for transportation by 40 percent. With these cuts, our crumbling infrastructure will crumble even faster."
100 Days Of Republican Leadership April 22, 2015
Dan Kildee, D-MI
"Now, today, we are seeing House Republicans attempt to undermine the Consumer Financial Protection Bureau, an entity designed to protect American consumers, by taking what was a bipartisan bill that came out of committee with nearly unanimous support and using it as a vehicle through the Committee on Rules to slash funding for this important Federal program."
Bureau Of Consumer Financial Protection Advisory Boards Act April 21, 2015
Elijah Cummings, D-MD
"Mr. Chair, as originally introduced, H.R. 1195 was that rare piece of legislation with bipartisan support. It supported the simple proposition that the Consumer Financial Protection Bureau (CFPB) could benefit from the guidance of advisory councils comprised of representatives from small businesses, credit unions, and community banks. As introduced, the legislation would have required the CFPB to hear from small business representatives regarding the impact of proposed rules on financial products used by consumers for family and household purposes. The bill also encouraged the CFPB to ensure the participation of credits unions and community banks that serve traditionally underserved communities. The CFPB—and all relevant government agencies—should continue to focus on expanding banking opportunities in underserved communities, which are too often subjected to the worst forms of predatory financial practices. According to the Corporation for Enterprise Development, my hometown of Baltimore, Maryland, is one of the top ten unbanked large cities in the country—13.9 percent of residents have no checking or savings account, and more than one in four residents is underbanked. Too many of these folks rely on alternative financial services like check-cashing stores, rent-to-own agreements, or pawnshops. While Maryland has instituted a 33 percent usury cap and storefront payday lending operations do not exist in the state, Maryland residents with small-dollar credit needs have continued to turn to on-line lenders—lenders that are too often perpetrating fraudulent and abusive practices. But this does not need to be the reality in Baltimore or any American city. According to the Urban Institute, the small-dollar credit market in the United States reached approximately $21.4 billion in 2012. Credit unions and community banks across the country have begun to tap into this market by experimenting with small-dollar, short-term loans that help consumers stretch their monthly budgets or pay for emergency expenses without trapping them in a cycle of debt. The CFPB has taken a critical first step toward reforming the small-dollar industry by releasing proposals for a potential rule that would require short-term lenders to either ensure borrowers have the ability to repay their loans or to provide affordable repayment plans. This is why I was so disappointed by a recent amendment to H.R. 1195 from the Rules Committee that would pay for the new advisory councils the bill would create by capping or reducing the CFPB budget by $45 million over five years and $100 million over ten years. In contrast, the Congressional Budget Office has estimated that the new councils would cost only $9 million over ten years—confirming that the new amendment is nothing more than an attempt to slash the CFPB budget. By transforming a simple bill into a major budget cut, this amendment is simply another in a series of continuing attacks on the work of the CFPB, which has provided $5.3 billion in relief to consumers since its creation. Just as the CFPB embarks on its latest effort to protect consumers from predatory and abusive practices, we simply cannot afford a weakened consumer protection agency. As amended, H.R. 1195 is not only a disappointment—it’s an insult to the same underserved communities the bill would have helped the CFPB to better serve. I urge my colleagues to reject this bill and its attempt to undercut protections for working American families."
Appointment Of Conferees On S. Con. Res. 11, Concurrent Resolution On The Budget, Fiscal Year 2016 April 14, 2015
Chris Van Hollen, D-MD
"They disinvest in America. They slash way below the lowest historical levels in recorded history the amount that we invest in the categories of the budget that help our kids’ educations—early education, K-12, special education. They devastate that part of the budget that is used to invest in innovation and in scientific research, things that have helped power our economy."
Concurrent Resolution On The Budget For Fiscal Year 2016 March 25, 2015
Lucille Roybal-Allard, D-CA
"When you compare these two budgets, the choice becomes clear. The Democratic budget will grow our economy and create jobs. The Republican budget will slash our economic growth by 2.5 percent and cost our nation nearly three million jobs in 2017 alone."

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