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H.R. 3526 110th Congress House

To include all banking agencies within the existing regulatory authority under the Federal Trade Commission Act with respect to depository institutions, and for other purposes.

Introduced: September 14, 2007 See on congress.gov
Finance and Financial Sector Administrative procedureBank loansCommerceCongress
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Congressional investigationsCongressional reporting requirementsConsumer protectionDeceptive advertisingDepartment of the TreasuryFederal Deposit Insurance CorporationFederal Home Loan Bank BoardFederal Reserve SystemFederal Trade CommissionGovernment Operations and PoliticsIndependent regulatory commissionsLawNational Credit Union Administration
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This bill died when the 110th Congress ended
It never became law before the 110th Congress (2007–2008) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 20 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Dec 6, 2007
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Dec 5, 2007
Motion to reconsider laid on the table Agreed to without objection.
Dec 5, 2007
On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H14172-14173)
Dec 5, 2007
Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.(text: CR H14172-14173)
Dec 5, 2007
DEBATE - The House proceeded with forty minutes of debate on H.R. 3526.
Dec 5, 2007
Considered under suspension of the rules. (consideration: CR H14172-14174)
Dec 5, 2007
Mr. Frank (MA) moved to suspend the rules and pass the bill, as amended.
Dec 5, 2007
Placed on the Union Calendar, Calendar No. 294.
Dec 5, 2007
Reported (Amended) by the Committee on Energy and Commerce. H. Rept. 110-472, Part II.
Dec 5, 2007
Reported (Amended) by the Committee on Financial Services. H. Rept. 110-472, Part I.
Oct 30, 2007
Ordered to be Reported (Amended) by Voice Vote.
Oct 30, 2007
Committee Consideration and Mark-up Session Held.
Oct 23, 2007
Forwarded by Subcommittee to Full Committee (Amended) by Voice Vote .
Oct 23, 2007
Subcommittee Consideration and Mark-up Session Held.
Oct 23, 2007
Subcommittee Hearings Held.
Sep 18, 2007
Ordered to be Reported by Voice Vote.
Sep 18, 2007
Committee Consideration and Mark-up Session Held.
Sep 15, 2007
Referred to the Subcommittee on Commerce, Trade and Consumer Protection.
Sep 14, 2007
Referred to the Committee on Financial Services, and in addition to the Committee on Energy and 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.
Sep 14, 2007
Introduced in House
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 Latest action December 6, 2007

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

 Plain-English summary Congressional Research Service

Amends the Federal Trade Commission Act to transfer to each federal banking agency, with respect to depository institutions it supervises, the authority to prescribe regulations governing unfair or deceptive practices by banks and savings and loan institutions currently vested in the Board of Governors of the Federal Reserve System (with respect to banks) and the Federal Home Loan Bank Board (with respect to savings and loan institutions).

Requires the federal banking agencies to prescribe such regulations: (1) jointly to the extent practicable; and (2) in consultation with the Federal Trade Commission (FTC).

Authorizes the FTC, with respect to entities within its jurisdiction, to commence a rulemaking proceeding and prescribe regulations whenever such banking agencies commence a rulemaking proceeding.

Requires the FTC, whenever it commences such a rulemaking proceeding, to consult and coordinate with the federal banking agencies and the National Credit Union Administration (NCUA) Board so that the regulations prescribed by each such agency are consistent with and comparable to the regulations prescribed by the agencies to the extent practicable.

Instructs the Comptroller General to report to Congress on the status of regulations of the federal banking agencies and the NCUA regarding unfair and deceptive acts or practices by depository institutions.

 Bill text 4 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 4
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APA
U.S. Congress. (2026). H.R. 3526: To include all banking agencies within the existing regulatory authority under the Federal Trade Commission Act with respect to depository institutions, and for other purposes.. 110th Congress. Open America. https://openamerica.io/bill/110-HR-3526/
MLA
"H.R. 3526: To include all banking agencies within the existing regulatory authority under the Federal Trade Commission Act with respect to depository institutions, and for other purposes.." 110th Congress, 2026, Open America, https://openamerica.io/bill/110-HR-3526/.
Bluebook (legal)
H.R. 3526, 110th Cong. (2026), https://openamerica.io/bill/110-HR-3526/.
Markdown link
[H.R. 3526: To include all banking agencies within the existing regulatory authority under the Federal Trade Commission Act with respect to depository institutions, and for other purposes.](https://openamerica.io/bill/110-HR-3526/)
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