The Free Press, Mankato, MN

State, national news

March 2, 2014

How They Voted: week ending Feb. 28

(Continued)

Payday lenders to the military

Voting 194 for and 223 against, the House on Feb. 27 defeated a Democratic motion to prevent HR 3193 (above) from impeding Consumer Financial Protection Bureau (CFPB) oversight of payday lenders located on or near military bases, its efforts to help consumers deal with compromised credit cards or its policing of fraud in fees charged for student loans or ATM withdrawals.

Carol Shea-Porter, D-N.H., said the bureau "stands up for people, including students, seniors and veterans, who are often targeted by predatory financial lenders with shady products. Why on earth would we want to hamper the CFPB?"

Jeb Hensarling, R-Texas, said: "True consumer protection is about competitive, innovative transparent markets that respect the dignity and the liberty of every American citizen to buy the mortgage and get the credit card that they want that is best for them and their families."

A yes vote was to adopt the motion.

Voting yes: Walz, McCollum, Ellison, Peterson, Nolan

Voting no: Kline, Paulsen, Bachmann

Not voting: None

New hurdles for regulators

Voting 236 for and 179 against, the House on Feb. 27 passed a GOP bill (HR 2804) to impose additional paperwork and public-reporting obligations on federal agencies as they go about drafting and implementing rules to carry out laws passed by Congress. Agencies would be required to file monthly reports on the content, status and legal basis of rules they are developing. The Office of Management and Budget unit that receives these filings would have to post them on the Internet and then publish detailed annual reports on all aspects of federal rulemaking, including projected costs on the economy. The executive branch implements 3,000 to 4,000 regulations each year, according to the Congressional Budget Office.

Bob Goodlatte, R-Va., said the bill would "powerfully and comprehensively reform the federal regulatory system, from how regulations are planned to how they are promulgated to how they are dealt with in court."

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