Sec. 1. Short title; table of contents
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This Act may be cited as the . Consumers First Act The table of contents for this Act is as follows: Sec. 1. Short title; table of contents. Sec. 2. Findings; sense of Congress. Sec. 3. Consumer Financial Protection Bureau. Sec. 4. Conforming amendments. Sec. 5. Executive and administration powers. Sec. 6. Offices of the Consumer Financial Protection Bureau. Sec. 7. Consumer Advisory Board reforms. Sec. 8. Discretionary surplus funds. Sec. 9. Modification of the exemption from certain disclosure requirements.
Sec. 10. Limitation on providing exemptions from HMDA reporting requirements. Sec. 11. Limitation on modifying HMDA data fields. Sec. 12. Maintaining the HMDA Explorer tool and the Public Data Platform API. Sec. 13. Report on fair lending investigations and enforcement actions. Sec. 14. Debt collection. Sec. 15. Credit scores included in free annual disclosures. Sec. 16. Report on senior consumers. Sec. 17. Report on payday loan and car-title loan investigations and enforcement actions.
Sec. 18. Effective date.