12 CFR 717.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2014 CFR

2014-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 334.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2012 CFR

2012-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 1022.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2012 CFR

2012-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 717.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2012 CFR

2012-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 571.30 - Obtaining or using medical information in connection with a determination of eligibility for credit.

Code of Federal Regulations, 2013 CFR

2013-01-01

... cosmetic surgery, the creditor may confirm the cost of the procedure with the surgeon. If the surgeon... vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery will not be performed on the consumer, the creditor may use that...

12 CFR 202.14 - Rules on providing appraisal reports.

Code of Federal Regulations, 2011 CFR

2011-01-01

... given at any time during the application process but no later than when the creditor provides notice of... appraisals. A creditor shall provide a copy of an appraisal report used in connection with an application for... appraisal report to an applicant (whether credit is granted or denied or the application is withdrawn). (2...

12 CFR 202.14 - Rules on providing appraisal reports.

Code of Federal Regulations, 2010 CFR

2010-01-01

... given at any time during the application process but no later than when the creditor provides notice of... appraisals. A creditor shall provide a copy of an appraisal report used in connection with an application for... appraisal report to an applicant (whether credit is granted or denied or the application is withdrawn). (2...

76 FR 4750 - Survey of Information Sharing Practices With Affiliates

Federal Register 2010, 2011, 2012, 2013, 2014

2011-01-26

... creditors or users of consumer reports. The OTS will use the Survey responses to prepare a report to Congress on the information sharing practices by financial institutions, creditors, or users of consumer... Numbers: N/A. Description: The OTS is required to submit a report to the Congress with any recommendations...

75 FR 63181 - Proposed Agency Information Collection Activities; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-14

...-0217. Frequency: Annual. Reporters: Depository institutions, Edge and agreement corporations, U.S... Creditor. Agency form number: FR T-4. OMB control number: 7100-0019. Frequency: On occasion. Reporters...-the- counter security designated for trading in the National Market System, (2) debt securities (bonds...

75 FR 27464 - Special Reporting, Analysis and Contingent Resolution Plans at Certain Large Insured Depository...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-05-17

... FDIC is responsible for administering or enforcing. The FDIC also has authority to adopt regulations... strategies, strategies to mitigate systemic risks and overall planning for an orderly resolution in the..., describing means of preserving franchise value, maximizing recovery to creditors, and minimizing systemic...

12 CFR 1002.2 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... security for the credit or collateral). The creditor shall exercise reasonable diligence in obtaining such... creditor utilizing the system (including, but not limited to, minimizing bad debt losses and operating... statistical principles and methodology and adjusted as necessary to maintain predictive ability. (2) A...

12 CFR 232.4 - Specific exceptions for obtaining and using medical information.

Code of Federal Regulations, 2011 CFR

2011-01-01

... consumer applies for $10,000 of credit for the purpose of financing cosmetic surgery, the creditor may... consumer applies for $10,000 of credit for the purpose of financing vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery...

12 CFR 232.4 - Specific exceptions for obtaining and using medical information.

Code of Federal Regulations, 2013 CFR

2013-01-01

... consumer applies for $10,000 of credit for the purpose of financing cosmetic surgery, the creditor may... consumer applies for $10,000 of credit for the purpose of financing vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery...

12 CFR 232.4 - Specific exceptions for obtaining and using medical information.

Code of Federal Regulations, 2012 CFR

2012-01-01

... consumer applies for $10,000 of credit for the purpose of financing cosmetic surgery, the creditor may... consumer applies for $10,000 of credit for the purpose of financing vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery...

12 CFR 232.4 - Specific exceptions for obtaining and using medical information.

Code of Federal Regulations, 2010 CFR

2010-01-01

... consumer applies for $10,000 of credit for the purpose of financing cosmetic surgery, the creditor may... consumer applies for $10,000 of credit for the purpose of financing vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery...

12 CFR 232.4 - Specific exceptions for obtaining and using medical information.

Code of Federal Regulations, 2014 CFR

2014-01-01

... consumer applies for $10,000 of credit for the purpose of financing cosmetic surgery, the creditor may... consumer applies for $10,000 of credit for the purpose of financing vision correction surgery, the creditor may verify with the surgeon that the procedure will be performed. If the surgeon reports that surgery...

12 CFR 202.2 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... creditor shall exercise reasonable diligence in obtaining such information. (g) Business credit refers to... system (including, but not limited to, minimizing bad debt losses and operating expenses in accordance... principles and methodology and adjusted as necessary to maintain predictive ability. (2) A creditor may use...

Bankruptcy, product liability, and hazardous waste

DOE Office of Scientific and Technical Information (OSTI.GOV)

Sterrett, S.B. Jr.

Bankruptcy does not serve the goals underlying product liability and hazardous waste laws, which are to discourage accidents and to compensate accident victims. The author contends that changes in the existing priority scheme could improve the situation by encouraging corporation to improve their compliance with product liability and hazardous waste laws. He discusses the efficiency rationale of existing laws, then describes the theoretical rationales for the bankruptcy and secured credit systems. His Superpriority Proposal creates two beneficial effects by subordinating voluntary creditors to involuntary creditors: (1) it reduces the extent to which corporate debtors can externalize actual product costs basedmore » on their probability of insolvency, and (2) it provides incentives for voluntary creditors to monitor for debtor misconduct and corporate debtors to reassure and persuade creditors.« less

12 CFR 226.36 - Prohibited acts or practices in connection with credit secured by a consumer's principal dwelling.

Code of Federal Regulations, 2011 CFR

2011-01-01

... this section, the term “mortgage broker” means a person, other than an employee of a creditor, who for... appraiser from consideration for future engagement because the appraiser reports a value of a consumer's... for another person. The term “loan originator” includes an employee of the creditor if the employee...

12 CFR Rules for Card Issuers That... - by-Transaction Basis

Code of Federal Regulations, 2011 CFR

2011-01-01

... THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card... Subpart B apply if credit cards are issued and the card issuer and the seller are the same or related... creditor have an agreement authorizing the seller to honor the creditor's credit card. 1. Section 226.6(a...

12 CFR Rules for Card Issuers That... - by-Transaction Basis

Code of Federal Regulations, 2012 CFR

2012-01-01

... THE FEDERAL RESERVE SYSTEM TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card... Subpart B apply if credit cards are issued and the card issuer and the seller are the same or related... creditor have an agreement authorizing the seller to honor the creditor's credit card. 1. Section 226.6(a...

Fair credit reporting medical information regulations. Final rules.

PubMed

2005-11-22

The OCC, Board, FDIC, OTS, and NCUA (Agencies) are publishing final rules to implement section 411 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act). The final rules create exceptions to the statute's general prohibition on creditors obtaining or using medical information pertaining to a consumer in connection with any determination of the consumer's eligibility, or continued eligibility, for credit for all creditors. The exceptions permit creditors to obtain or use medical information in connection with credit eligibility determinations where necessary and appropriate for legitimate purposes, consistent with the Congressional intent to restrict the use of medical information for inappropriate purposes. The final rules also create limited exceptions to permit affiliates to share medical information with each other without becoming consumer reporting agencies. The final rules are substantially similar to the rules adopted by the Agencies on an interim final basis in June 2005.

10 CFR 70.44 - Creditor regulations.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 10 Energy 2 2011-01-01 2011-01-01 false Creditor regulations. 70.44 Section 70.44 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) DOMESTIC LICENSING OF SPECIAL NUCLEAR MATERIAL Acquisition, Use and Transfer of Special Nuclear Material, Creditors' Rights § 70.44 Creditor regulations. (a) Pursuant to...

10 CFR 70.44 - Creditor regulations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 10 Energy 2 2010-01-01 2010-01-01 false Creditor regulations. 70.44 Section 70.44 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) DOMESTIC LICENSING OF SPECIAL NUCLEAR MATERIAL Acquisition, Use and Transfer of Special Nuclear Material, Creditors' Rights § 70.44 Creditor regulations. (a) Pursuant to...

7 CFR 457.5 - Creditors.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 6 2010-01-01 2010-01-01 false Creditors. 457.5 Section 457.5 Agriculture Regulations of the Department of Agriculture (Continued) FEDERAL CROP INSURANCE CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS § 457.5 Creditors. An interest of a person in an insured crop...

20 CFR 410.588 - Claims of creditors.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Claims of creditors. 410.588 Section 410.588 Employees' Benefits SOCIAL SECURITY ADMINISTRATION FEDERAL COAL MINE HEALTH AND SAFETY ACT OF 1969, TITLE IV-BLACK LUNG BENEFITS (1969- ) Payment of Benefits § 410.588 Claims of creditors. A relative or other...

20 CFR 410.588 - Claims of creditors.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 20 Employees' Benefits 2 2011-04-01 2011-04-01 false Claims of creditors. 410.588 Section 410.588 Employees' Benefits SOCIAL SECURITY ADMINISTRATION FEDERAL COAL MINE HEALTH AND SAFETY ACT OF 1969, TITLE IV-BLACK LUNG BENEFITS (1969- ) Payment of Benefits § 410.588 Claims of creditors. A relative or other...

10 CFR 72.52 - Creditor regulations.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 10 Energy 2 2012-01-01 2012-01-01 false Creditor regulations. 72.52 Section 72.52 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) LICENSING REQUIREMENTS FOR THE INDEPENDENT STORAGE OF SPENT NUCLEAR FUEL... nuclear material in spent fuel; Provided: (1) That the rights of any creditor so secured may be exercised...

10 CFR 72.52 - Creditor regulations.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 10 Energy 2 2014-01-01 2014-01-01 false Creditor regulations. 72.52 Section 72.52 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) LICENSING REQUIREMENTS FOR THE INDEPENDENT STORAGE OF SPENT NUCLEAR FUEL... nuclear material in spent fuel; Provided: (1) That the rights of any creditor so secured may be exercised...

10 CFR 72.52 - Creditor regulations.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 10 Energy 2 2011-01-01 2011-01-01 false Creditor regulations. 72.52 Section 72.52 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) LICENSING REQUIREMENTS FOR THE INDEPENDENT STORAGE OF SPENT NUCLEAR FUEL... nuclear material in spent fuel; Provided: (1) That the rights of any creditor so secured may be exercised...

10 CFR 72.52 - Creditor regulations.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 10 Energy 2 2013-01-01 2013-01-01 false Creditor regulations. 72.52 Section 72.52 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) LICENSING REQUIREMENTS FOR THE INDEPENDENT STORAGE OF SPENT NUCLEAR FUEL... nuclear material in spent fuel; Provided: (1) That the rights of any creditor so secured may be exercised...

38 CFR 6.7 - Claims of creditors, taxation.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Claims of creditors, taxation. 6.7 Section 6.7 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS UNITED... creditors, taxation. (a) Effective January 1, 1958, payments of insurance to a beneficiary under a United...

38 CFR 6.7 - Claims of creditors, taxation.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 38 Pensions, Bonuses, and Veterans' Relief 1 2011-07-01 2011-07-01 false Claims of creditors, taxation. 6.7 Section 6.7 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS UNITED... creditors, taxation. (a) Effective January 1, 1958, payments of insurance to a beneficiary under a United...

12 CFR 950.8 - Banks as secured creditors.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Banks as secured creditors. 950.8 Section 950.8 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK ASSETS AND OFF-BALANCE SHEET ITEMS ADVANCES Advances to Members § 950.8 Banks as secured creditors. (a) Except as provided in...

7 CFR 766.114 - State-certified mediation or voluntary meeting of creditors.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 7 Agriculture 7 2010-01-01 2010-01-01 false State-certified mediation or voluntary meeting of... Programs § 766.114 State-certified mediation or voluntary meeting of creditors. (a) A borrower who is...) State-certified mediation; or (2) Voluntary meeting of creditors when a State does not have a certified...

22 CFR 213.22 - Salary offset when USAID is the creditor agency.

Code of Federal Regulations, 2014 CFR

2014-04-01

... 22 Foreign Relations 1 2014-04-01 2014-04-01 false Salary offset when USAID is the creditor agency. 213.22 Section 213.22 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT CLAIMS COLLECTION Administrative Offset § 213.22 Salary offset when USAID is the creditor agency. (a) Due process requirements...

22 CFR 213.22 - Salary offset when USAID is the creditor agency.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 22 Foreign Relations 1 2011-04-01 2011-04-01 false Salary offset when USAID is the creditor agency. 213.22 Section 213.22 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT CLAIMS COLLECTION Administrative Offset § 213.22 Salary offset when USAID is the creditor agency. (a) Due process requirements...

22 CFR 213.22 - Salary offset when USAID is the creditor agency.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 22 Foreign Relations 1 2012-04-01 2012-04-01 false Salary offset when USAID is the creditor agency. 213.22 Section 213.22 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT CLAIMS COLLECTION Administrative Offset § 213.22 Salary offset when USAID is the creditor agency. (a) Due process requirements...

22 CFR 213.22 - Salary offset when USAID is the creditor agency.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 22 Foreign Relations 1 2013-04-01 2013-04-01 false Salary offset when USAID is the creditor agency. 213.22 Section 213.22 Foreign Relations AGENCY FOR INTERNATIONAL DEVELOPMENT CLAIMS COLLECTION Administrative Offset § 213.22 Salary offset when USAID is the creditor agency. (a) Due process requirements...

25 CFR 513.32 - What are the hearing procedures when the Commission is the creditor agency?

Code of Federal Regulations, 2010 CFR

2010-04-01

... the creditor agency? 513.32 Section 513.32 Indians NATIONAL INDIAN GAMING COMMISSION, DEPARTMENT OF... conducted according to the FCCS review requirements at 31 CFR 901.3(e). (d) Unless the employee requests... established by written agreement between the employee and the creditor agency. (e) If the hearing official...

40 CFR 13.22 - Salary offset when EPA is the creditor agency.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 40 Protection of Environment 1 2010-07-01 2010-07-01 false Salary offset when EPA is the creditor... COLLECTION STANDARDS Administrative Offset § 13.22 Salary offset when EPA is the creditor agency. (a... through salary offset, EPA will first provide the employee with the opportunity to pay in full the amount...

22 CFR 213.22 - Salary offset when USAID is the creditor agency.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Salary offset when USAID is the creditor agency... Administrative Offset § 213.22 Salary offset when USAID is the creditor agency. (a) Due process requirements... through salary offset, USAID will first provide the employee with the opportunity to pay in full the...

77 FR 22200 - Rescission of Rules

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-13

... ``Identity Theft Rules,'' 16 CFR part 681, and its rules governing ``Disposal of Consumer Report Information...; Duties of Creditors Regarding Risk-Based Pricing, 16 CFR part 640; Duties of Users of Consumer Reports... collection, assembly, and use of consumer report information and provides the framework for the credit...

11 CFR 116.9 - Creditors that cannot be found or that are out of business.

Code of Federal Regulations, 2010 CFR

2010-01-01

... CANDIDATES AND POLITICAL COMMITTEES § 116.9 Creditors that cannot be found or that are out of business. (a) General requirements. A political committee may request that the Commission determine that a debt owed to... been satisfied, and— (1) The creditor has gone out of business and no other entity has a right to be...

22 CFR 213.23 - Salary offset when USAID is not the creditor agency.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Salary offset when USAID is not the creditor... Administrative Offset § 213.23 Salary offset when USAID is not the creditor agency. (a) USAID will use salary... installment, if a date other than the next established pay period. (b) Requests for salary offset must be sent...

12 CFR 1208.21 - Notice requirements before salary offset where FHFA is the creditor agency.

Code of Federal Regulations, 2011 CFR

2011-01-01

... FHFA is the creditor agency. 1208.21 Section 1208.21 Banks and Banking FEDERAL HOUSING FINANCE AGENCY... where FHFA is the creditor agency. (a) Notice of Intent. Deductions from an employee's salary may not be made unless FHFA provides the employee with a Notice of Intent at least 30 calendar days before the...

12 CFR 1208.21 - Notice requirements before salary offset where FHFA is the creditor agency.

Code of Federal Regulations, 2013 CFR

2013-01-01

... FHFA is the creditor agency. 1208.21 Section 1208.21 Banks and Banking FEDERAL HOUSING FINANCE AGENCY... where FHFA is the creditor agency. (a) Notice of Intent. Deductions from an employee's salary may not be made unless FHFA provides the employee with a Notice of Intent at least 30 calendar days before the...

12 CFR 1208.21 - Notice requirements before salary offset where FHFA is the creditor agency.

Code of Federal Regulations, 2012 CFR

2012-01-01

... FHFA is the creditor agency. 1208.21 Section 1208.21 Banks and Banking FEDERAL HOUSING FINANCE AGENCY... where FHFA is the creditor agency. (a) Notice of Intent. Deductions from an employee's salary may not be made unless FHFA provides the employee with a Notice of Intent at least 30 calendar days before the...

12 CFR 1208.21 - Notice requirements before salary offset where FHFA is the creditor agency.

Code of Federal Regulations, 2014 CFR

2014-01-01

... FHFA is the creditor agency. 1208.21 Section 1208.21 Banks and Banking FEDERAL HOUSING FINANCE AGENCY... where FHFA is the creditor agency. (a) Notice of Intent. Deductions from an employee's salary may not be made unless FHFA provides the employee with a Notice of Intent at least 30 calendar days before the...

Government Shutdown: Operations of Department of Defense During a Lapse in Appropriations

DTIC Science & Technology

2011-04-01

proactive in working with creditors to reschedule debt repayments under these circumstances… c. Military personnel: During a shutdown of DoD activities due...creditors to reschedule debt repayments under these circumstances. The key point that both the creditor and the soldier should remember is that the...including Uniformed Services Treatment Facilities) including doctors, nurses , medical technicians, dentists, and essential support personnel (cooks

12 CFR 232.2 - Rule of construction for obtaining and using unsolicited medical information.

Code of Federal Regulations, 2010 CFR

2010-01-01

... connection with a consumer's application for an extension of credit, the creditor requests a consumer report from a consumer reporting agency and receives medical information in the consumer report furnished by... it receives medical information pertaining to a consumer in connection with any determination of the...

11 years of tracking aid to reproductive, maternal, newborn, and child health: estimates and analysis for 2003-13 from the Countdown to 2015.

PubMed

Grollman, Christopher; Arregoces, Leonardo; Martínez-Álvarez, Melisa; Pitt, Catherine; Mills, Anne; Borghi, Josephine

2017-01-01

Tracking aid flows helps to hold donors accountable and to compare the allocation of resources in relation to health need. With the use of data reported by donors in 2015, we provided estimates of official development assistance and grants from the Bill & Melinda Gates Foundation (collectively termed ODA+) to reproductive, maternal, newborn, and child health for 2013 and complete trends in reproductive, maternal, newborn, and child health support for the period 2003-13. We coded and analysed financial disbursements to reproductive, maternal, newborn, and child health to all recipient countries from all donors reporting to the creditor reporting system database for the year 2013. We also revisited disbursement records for the years 2003-08 and coded disbursements relating to reproductive and sexual health activities resulting in the Countdown dataset for 2003-13. We matched this dataset to the 2015 creditor reporting system dataset and coded any unmatched creditor reporting system records. We analysed trends in ODA+ to reproductive, maternal, newborn, and child health for the period 2003-13, trends in donor contributions, disbursements to recipient countries, and targeting to need. Total ODA+ to reproductive, maternal, newborn, and child health reached nearly US$14 billion in 2013, of which 48% supported child health ($6·8 billion), 34% supported reproductive and sexual health ($4·7 billion), and 18% maternal and newborn health ($2·5 billion). ODA+ to reproductive, maternal, newborn, and child health increased by 225% in real terms over the period 2003-13. Child health received the most substantial increase in funding since 2003 (286%), followed by reproductive and sexual health (194%), and maternal and newborn health (164%). In 2013, bilateral donors disbursed 59% of all ODA+ to reproductive, maternal, newborn, and child health, followed by global health initiatives (23%), and multilateral agencies (13%). Targeting of ODA+ to reproductive, maternal, newborn, and child health to countries with the greatest health need seems to have improved over time. The increase in reproductive, maternal, newborn, and child health funding over the period 2003-13 is encouraging. Further increases in funding will be needed to accelerate maternal mortality reduction while keeping a high level of investment in sexual and reproductive health and in child health. Subgrant OPP1058954 from the US Fund for UNICEF under their Countdown to 2015 for Maternal, Newborn and Child Survival Grant from the Bill & Melinda Gates Foundation. Copyright © 2017 The Author(s). Published by Elsevier Ltd. This is an Open Access article under the CC BY license. Published by Elsevier Ltd.. All rights reserved.

7 CFR 1951.222 - Subordination of security.

Code of Federal Regulations, 2010 CFR

2010-01-01

... successor agency under Public Law 103-354 to subordinate a security instrument so that another creditor or... necessary, a present market value appraisal report will be obtained. However, a new report need not be... present market value of the total property after the transaction. (9) The proposed action must not change...

76 FR 41602 - Fair Credit Reporting Risk-Based Pricing Regulations

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-15

... on and disclose the key factors provided with the scores purchased from consumer reporting agencies... making the credit decision, the creditor must disclose that score and certain information relating to the... following disclosures: (1) the credit score \\4\\ used by the person in making the credit decision; (2) the...

Valuation of Residential Premises for the Purposes of Securing the Receivables of the Creditor in Poland

NASA Astrophysics Data System (ADS)

Hełdak, Maria; Stacherzak, Agnieszka

2017-10-01

The study presents an analysis of the theoretical and practical issues connected with securing the receivables of creditors, in particular the principles connected with the appraisal of real property value used for the purposes of granting loans in Poland. The scope of research included the basic elements of the functioning and organisation of the Polish banking system, legal forms of securing debt receivables and the principles of real property valuation for universal and mortgage banks. Additionally, the authors have conducted an analysis of the number and amount of loans granted in Poland in the years 2009 - 2016

Financial Reporting Practices in Illinois Public Community Colleges.

ERIC Educational Resources Information Center

Skeadas, Gus J.

A study was conducted to determine how well Illinois' 38 community college districts satisfied the needs of board members, creditors, investors, and tax payers for financial information. A list of 38 financial reporting requirements was developed from the requirements of the Illinois Community College Board (ICCB) and guidelines from the Audits of…

12 CFR 202.16 - Enforcement, penalties and liabilities.

Code of Federal Regulations, 2010 CFR

2010-01-01

...) and 706(a) and (b) of the Act provide that any creditor that fails to comply with a requirement.... If a creditor inadvertently obtains the monitoring information regarding the ethnicity, race, and sex...

12 CFR 202.16 - Enforcement, penalties and liabilities.

Code of Federal Regulations, 2014 CFR

2014-01-01

...) and 706(a) and (b) of the Act provide that any creditor that fails to comply with a requirement.... If a creditor inadvertently obtains the monitoring information regarding the ethnicity, race, and sex...

5 CFR 838.101 - Purpose and scope.

Code of Federal Regulations, 2010 CFR

2010-01-01

... former spouse or child abuse creditor must follow when applying for benefits based on a court order under... follow in honoring court orders and in making payments to the former spouse or child abuse creditor; and...

5 CFR 838.101 - Purpose and scope.

Code of Federal Regulations, 2011 CFR

2011-01-01

... former spouse or child abuse creditor must follow when applying for benefits based on a court order under... follow in honoring court orders and in making payments to the former spouse or child abuse creditor; and...

5 CFR 838.101 - Purpose and scope.

Code of Federal Regulations, 2014 CFR

2014-01-01

... former spouse or child abuse creditor must follow when applying for benefits based on a court order under... follow in honoring court orders and in making payments to the former spouse or child abuse creditor; and...

5 CFR 838.101 - Purpose and scope.

Code of Federal Regulations, 2012 CFR

2012-01-01

... former spouse or child abuse creditor must follow when applying for benefits based on a court order under... follow in honoring court orders and in making payments to the former spouse or child abuse creditor; and...

5 CFR 838.101 - Purpose and scope.

Code of Federal Regulations, 2013 CFR

2013-01-01

... former spouse or child abuse creditor must follow when applying for benefits based on a court order under... follow in honoring court orders and in making payments to the former spouse or child abuse creditor; and...

5 CFR 838.134 - Receipt of multiple court orders.

Code of Federal Regulations, 2010 CFR

2010-01-01

...) When the court orders relate to two or more individuals (former spouses or child abuse creditors), the..., separated spouse, or child abuse creditor the one issued last will be honored. (b)(1) Except as provided in...

5 CFR 838.134 - Receipt of multiple court orders.

Code of Federal Regulations, 2011 CFR

2011-01-01

...) When the court orders relate to two or more individuals (former spouses or child abuse creditors), the..., separated spouse, or child abuse creditor the one issued last will be honored. (b)(1) Except as provided in...

5 CFR 838.134 - Receipt of multiple court orders.

Code of Federal Regulations, 2014 CFR

2014-01-01

...) When the court orders relate to two or more individuals (former spouses or child abuse creditors), the..., separated spouse, or child abuse creditor the one issued last will be honored. (b)(1) Except as provided in...

5 CFR 838.134 - Receipt of multiple court orders.

Code of Federal Regulations, 2013 CFR

2013-01-01

...) When the court orders relate to two or more individuals (former spouses or child abuse creditors), the..., separated spouse, or child abuse creditor the one issued last will be honored. (b)(1) Except as provided in...

5 CFR 838.134 - Receipt of multiple court orders.

Code of Federal Regulations, 2012 CFR

2012-01-01

...) When the court orders relate to two or more individuals (former spouses or child abuse creditors), the..., separated spouse, or child abuse creditor the one issued last will be honored. (b)(1) Except as provided in...

12 CFR Appendix J to Part 334 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2011 CFR

2011-01-01

... institution or creditor or to a fraudulent Web site. Appropriate responses may include the following: (a... consumer report; or b. The Social Security Number (SSN) has not been issued, or is listed on the Social...

12 CFR 202.1 - Authority, scope and purpose.

Code of Federal Regulations, 2010 CFR

2010-01-01

... regulation is issued by the Board of Governors of the Federal Reserve System pursuant to title VII (Equal... prohibits creditor practices that discriminate on the basis of any of these factors. The regulation also...

26 CFR 1.382-3 - Definitions and rules relating to a 5-percent shareholder.

Code of Federal Regulations, 2011 CFR

2011-04-01

... members. However, the participation by creditors in formulating a plan for an insolvency workout or a... receipt of stock by creditors in satisfaction of indebtedness pursuant to the workout or reorganization do...

11 CFR 116.8 - Creditor forgiveness of debts owed by ongoing committees; Commission review.

Code of Federal Regulations, 2010 CFR

2010-01-01

... committees; Commission review. (a) General requirements. A creditor may forgive the outstanding balance of a... requirements of 11 CFR 116.3 or 116.5, as appropriate, regarding extensions of credit by commercial vendors and...

26 CFR 1.6050P-1 - Information reporting for discharges of indebtedness by certain entities.

Code of Federal Regulations, 2010 CFR

2010-04-01

... the value of the security), or the sale or packaging for sale of the indebtedness by the creditor; and... branch or office in the active conduct of a banking or similar business outside the United States; (B...

32 CFR 232.6 - Mandatory loan disclosures.

Code of Federal Regulations, 2012 CFR

2012-07-01

... (including any consumer credit originated or extended through the internet) to a covered borrower, a creditor... the Armed Forces and their dependents may request free legal advice regarding an application for... section orally before consummation. In mail and internet transactions, the creditor satisfies this...

32 CFR 232.6 - Mandatory loan disclosures.

Code of Federal Regulations, 2013 CFR

2013-07-01

... (including any consumer credit originated or extended through the internet) to a covered borrower, a creditor... the Armed Forces and their dependents may request free legal advice regarding an application for... section orally before consummation. In mail and internet transactions, the creditor satisfies this...

32 CFR 232.6 - Mandatory loan disclosures.

Code of Federal Regulations, 2011 CFR

2011-07-01

... (including any consumer credit originated or extended through the internet) to a covered borrower, a creditor... the Armed Forces and their dependents may request free legal advice regarding an application for... section orally before consummation. In mail and internet transactions, the creditor satisfies this...

32 CFR 232.6 - Mandatory loan disclosures.

Code of Federal Regulations, 2010 CFR

2010-07-01

... (including any consumer credit originated or extended through the internet) to a covered borrower, a creditor... the Armed Forces and their dependents may request free legal advice regarding an application for... section orally before consummation. In mail and internet transactions, the creditor satisfies this...

32 CFR 232.6 - Mandatory loan disclosures.

Code of Federal Regulations, 2014 CFR

2014-07-01

... (including any consumer credit originated or extended through the internet) to a covered borrower, a creditor... the Armed Forces and their dependents may request free legal advice regarding an application for... section orally before consummation. In mail and internet transactions, the creditor satisfies this...

76 FR 36885 - Regulation B; Equal Credit Opportunity

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-23

... collect and report information concerning credit applications made by women- or minority- owned businesses... concerning credit applications made by women- or minority-owned businesses and by small businesses. 15 U.S.C... entities, and creditors to identify business and community development needs and opportunities of women...

Covering your assets: keeping the creditor wolves away.

PubMed

Cangelosi, L

1991-04-01

Sound financial planning that provides for family and retirement are promoted by law. As long as the techniques discussed above are not motivated by a desire to hinder or defraud creditors, a spouse, or others, they may be a valuable part of an overall estate plan. If used during a time of pending claims or insolvency, they will be suspect (at best). Even the act of dropping malpractice insurance coverage might be viewed as an act of pre-planning to hinder creditors and arguably a fraudulent transfer. The development of a plan will depend on the individual's needs, goals, and circumstances, and require careful thought and the advice of professionals.

10 CFR 72.52 - Creditor regulations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 10 Energy 2 2010-01-01 2010-01-01 false Creditor regulations. 72.52 Section 72.52 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) LICENSING REQUIREMENTS FOR THE INDEPENDENT STORAGE OF SPENT NUCLEAR FUEL... licensee pursuant to the provisions of the license, the Atomic Energy Act of 1954, as amended, and...

7 CFR Exhibit E to Subpart A of... - Releasing Security Sales Proceeds and Determining “Essential” Family Living and Farm Operating...

Code of Federal Regulations, 2011 CFR

2011-01-01

... custom harvester. Hired labor is an operating expense which might be essential in a dairy operation but not in a beef cattle operation. Payments to creditors are essential if the creditor is unable to...

7 CFR Exhibit E to Subpart A of... - Releasing Security Sales Proceeds and Determining “Essential” Family Living and Farm Operating...

Code of Federal Regulations, 2014 CFR

2014-01-01

... custom harvester. Hired labor is an operating expense which might be essential in a dairy operation but not in a beef cattle operation. Payments to creditors are essential if the creditor is unable to...

7 CFR Exhibit E to Subpart A of... - Releasing Security Sales Proceeds and Determining “Essential” Family Living and Farm Operating...

Code of Federal Regulations, 2013 CFR

2013-01-01

... custom harvester. Hired labor is an operating expense which might be essential in a dairy operation but not in a beef cattle operation. Payments to creditors are essential if the creditor is unable to...

7 CFR Exhibit E to Subpart A of... - Releasing Security Sales Proceeds and Determining “Essential” Family Living and Farm Operating...

Code of Federal Regulations, 2012 CFR

2012-01-01

... custom harvester. Hired labor is an operating expense which might be essential in a dairy operation but not in a beef cattle operation. Payments to creditors are essential if the creditor is unable to...

12 CFR 1002.6 - Rules concerning evaluation of applications.

Code of Federal Regulations, 2014 CFR

2014-01-01

... applicable to a creditor's determination of creditworthiness. (b) Specific rules concerning use of..., religion, national origin, sex. Except as otherwise permitted or required by law, a creditor shall not consider race, color, religion, national origin, or sex (or an applicant's or other person's decision not...

12 CFR 1002.6 - Rules concerning evaluation of applications.

Code of Federal Regulations, 2012 CFR

2012-01-01

... applicable to a creditor's determination of creditworthiness. (b) Specific rules concerning use of..., religion, national origin, sex. Except as otherwise permitted or required by law, a creditor shall not consider race, color, religion, national origin, or sex (or an applicant's or other person's decision not...

13 CFR 107.560 - Subordination of SBA's creditor position.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Subordination of SBA's creditor position. 107.560 Section 107.560 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES Managing the Operations of a Licensee Borrowing by Licensees from Non-Sba...

20 CFR 61.404 - Assignments; creditors.

Code of Federal Regulations, 2010 CFR

2010-04-01

... Employees' Benefits OFFICE OF WORKERS' COMPENSATION PROGRAMS, DEPARTMENT OF LABOR COMPENSATION FOR INJURY...; creditors. The right of any person to benefits under the Act is not transferable of assignable at law or in... reimbursement for funeral expenses), or rights existing under the Act are subject to execution, levy, attachment...

12 CFR 226.35 - Prohibited acts or practices in connection with higher-priced mortgage loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

..., and other loan pricing terms currently offered to consumers by a representative sample of creditors for mortgage transactions that have low-risk pricing characteristics. The Board publishes average... and premiums for mortgage-related insurance required by the creditor, such as insurance against loss...

16 CFR 680.21 - Affiliate marketing opt-out and exceptions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... has a relationship with the creditor's securities affiliate for management of the consumer's.... The creditor does not have a pre-existing business relationship with the consumer and none of the... affiliate that has or has previously had a pre-existing business relationship with the consumer; or (ii) As...

12 CFR 226.8 - Identification of transactions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... either the date of the transaction or the date of debiting the transaction to the consumer's account are... consumer, if the number or symbol reasonably identifies that transaction with that creditor, and if the... the consumer with point-of-sale documentation for that transaction; and (4) the creditor treats an...

12 CFR 202.6 - Rules concerning evaluation of applications.

Code of Federal Regulations, 2014 CFR

2014-01-01

..., 422 U.S. 405 (1975), to be applicable to a creditor's determination of creditworthiness. (b) Specific...) Race, color, religion, national origin, sex. Except as otherwise permitted or required by law, a creditor shall not consider race, color, religion, national origin, or sex (or an applicant's or other...

12 CFR 202.6 - Rules concerning evaluation of applications.

Code of Federal Regulations, 2011 CFR

2011-01-01

..., 422 U.S. 405 (1975), to be applicable to a creditor's determination of creditworthiness. (b) Specific...) Race, color, religion, national origin, sex. Except as otherwise permitted or required by law, a creditor shall not consider race, color, religion, national origin, or sex (or an applicant's or other...

12 CFR 202.6 - Rules concerning evaluation of applications.

Code of Federal Regulations, 2012 CFR

2012-01-01

..., 422 U.S. 405 (1975), to be applicable to a creditor's determination of creditworthiness. (b) Specific...) Race, color, religion, national origin, sex. Except as otherwise permitted or required by law, a creditor shall not consider race, color, religion, national origin, or sex (or an applicant's or other...

12 CFR 1002.5 - Rules concerning requests for information.

Code of Federal Regulations, 2012 CFR

2012-01-01

...) Limitation on information about race, color, religion, national origin, or sex. A creditor shall not inquire about the race, color, religion, national origin, or sex of an applicant or any other person in...) Self-test. A creditor may inquire about the race, color, religion, national origin, or sex of an...

12 CFR 1002.5 - Rules concerning requests for information.

Code of Federal Regulations, 2013 CFR

2013-01-01

...) Limitation on information about race, color, religion, national origin, or sex. A creditor shall not inquire about the race, color, religion, national origin, or sex of an applicant or any other person in...) Self-test. A creditor may inquire about the race, color, religion, national origin, or sex of an...

12 CFR 1002.5 - Rules concerning requests for information.

Code of Federal Regulations, 2014 CFR

2014-01-01

...) Limitation on information about race, color, religion, national origin, or sex. A creditor shall not inquire about the race, color, religion, national origin, or sex of an applicant or any other person in...) Self-test. A creditor may inquire about the race, color, religion, national origin, or sex of an...

12 CFR 1704.26 - Special review where OFHEO is the creditor agency.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Special review where OFHEO is the creditor agency. 1704.26 Section 1704.26 Banks and Banking OFFICE OF FEDERAL HOUSING ENTERPRISE OVERSIGHT...) Expenses for food, housing, clothing, and transportation; (vi) Medical expenses; and (vii) Exceptional...

16 CFR 680.21 - Affiliate marketing opt-out and exceptions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... has a relationship with the creditor's securities affiliate for management of the consumer's.... The creditor does not have a pre-existing business relationship with the consumer and none of the... affiliate that has or has previously had a pre-existing business relationship with the consumer; or (ii) As...

16 CFR 680.21 - Affiliate marketing opt-out and exceptions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... has a relationship with the creditor's securities affiliate for management of the consumer's.... The creditor does not have a pre-existing business relationship with the consumer and none of the... affiliate that has or has previously had a pre-existing business relationship with the consumer; or (ii) As...

32 CFR 232.8 - Limitations.

Code of Federal Regulations, 2010 CFR

2010-07-01

... LIMITATIONS ON TERMS OF CONSUMER CREDIT EXTENDED TO SERVICE MEMBERS AND DEPENDENTS § 232.8 Limitations. (a) 10 U.S.C. 987 makes it unlawful for any creditor to extend consumer credit to a covered borrower with respect to which: (1) The creditor rolls over, renews, repays, refinances, or consolidates any consumer...

12 CFR 560.220 - Alternative Mortgage Transaction Parity Act.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Act. (a) Applicable housing creditors. A housing creditor that is not a commercial bank, a credit... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Alternative Mortgage Transaction Parity Act. 560.220 Section 560.220 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY...

24 CFR 350.11 - Notice of Attachment for Ginnie Mae Securities in Book-entry System.

Code of Federal Regulations, 2010 CFR

2010-04-01

... Securities in Book-entry System. 350.11 Section 350.11 Housing and Urban Development Regulations Relating to... AND URBAN DEVELOPMENT BOOK-ENTRY PROCEDURES § 350.11 Notice of Attachment for Ginnie Mae Securities in Book-entry System. The interest of a debtor in a Security Entitlement may be reached by a creditor only...

24 CFR 350.11 - Notice of Attachment for Ginnie Mae Securities in Book-entry System.

Code of Federal Regulations, 2013 CFR

2013-04-01

... Securities in Book-entry System. 350.11 Section 350.11 Housing and Urban Development Regulations Relating to... AND URBAN DEVELOPMENT BOOK-ENTRY PROCEDURES § 350.11 Notice of Attachment for Ginnie Mae Securities in Book-entry System. The interest of a debtor in a Security Entitlement may be reached by a creditor only...

24 CFR 350.11 - Notice of Attachment for Ginnie Mae Securities in Book-entry System.

Code of Federal Regulations, 2012 CFR

2012-04-01

... Securities in Book-entry System. 350.11 Section 350.11 Housing and Urban Development Regulations Relating to... AND URBAN DEVELOPMENT BOOK-ENTRY PROCEDURES § 350.11 Notice of Attachment for Ginnie Mae Securities in Book-entry System. The interest of a debtor in a Security Entitlement may be reached by a creditor only...

12 CFR 950.8 - Banks as secured creditors.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 7 2011-01-01 2011-01-01 false Banks as secured creditors. 950.8 Section 950.8 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK ASSETS AND OFF-BALANCE SHEET ITEMS ADVANCES Advances to Out-of-District Members and Housing Associates § 950.8 Banks as secured...

12 CFR 220.6 - Good faith account.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Good faith account. 220.6 Section 220.6 Banks... BY BROKERS AND DEALERS (REGULATION T) § 220.6 Good faith account. In a good faith account, a creditor...) Securities entitled to good faith margin—(1) Permissible transactions. A creditor may effect and finance...

12 CFR 220.6 - Good faith account.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 3 2012-01-01 2012-01-01 false Good faith account. 220.6 Section 220.6 Banks... BY BROKERS AND DEALERS (REGULATION T) § 220.6 Good faith account. In a good faith account, a creditor...) Securities entitled to good faith margin—(1) Permissible transactions. A creditor may effect and finance...

12 CFR 226.13 - Billing error resolution.27

Code of Federal Regulations, 2014 CFR

2014-01-01

... under paragraph (e) or (f) of this section, the following rules apply: (1) Consumer's right to withhold disputed amount; collection action prohibited. The consumer need not pay (and the creditor may not try to... rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666...

12 CFR 226.13 - Billing error resolution.27

Code of Federal Regulations, 2013 CFR

2013-01-01

... under paragraph (e) or (f) of this section, the following rules apply: (1) Consumer's right to withhold disputed amount; collection action prohibited. The consumer need not pay (and the creditor may not try to... rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666...

32 CFR 513.4 - Conditions creditors must meet before getting help in debt processing.

Code of Federal Regulations, 2013 CFR

2013-07-01

..., Oklahoma, and Wyoming. (4) DOD Standards of Fairness (app B) define fair and just dealings with soldiers... debt complaints are exempt (§ 513.4(f)). (5) Certificate of Compliance certifies the creditor has... consumer credit transaction. (6) Full disclosure information shows what the soldier should know about...

32 CFR 513.4 - Conditions creditors must meet before getting help in debt processing.

Code of Federal Regulations, 2012 CFR

2012-07-01

..., Oklahoma, and Wyoming. (4) DOD Standards of Fairness (app B) define fair and just dealings with soldiers... debt complaints are exempt (§ 513.4(f)). (5) Certificate of Compliance certifies the creditor has... consumer credit transaction. (6) Full disclosure information shows what the soldier should know about...

The Psychological Contract and Individual Differences: The Role of Exchange and Creditor Ideologies

ERIC Educational Resources Information Center

Coyle-Shapiro, Jacqueline A-M.; Neuman, Joel H.

2004-01-01

The present study examines exchange and creditor ideologies (two dispositional characteristics that are strongly related to exchange relationships) and their moderating effects on the psychological contract. Five hundred public-sector employees were studied over a 3-year period. Respondents' were surveyed as to their perceptions of what they…

12 CFR 360.2 - Federal Home Loan banks as secured creditors.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Federal Home Loan banks as secured creditors. 360.2 Section 360.2 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF GENERAL POLICY RESOLUTION AND RECEIVERSHIP RULES § 360.2 Federal Home Loan banks as secured...

19 CFR 24.70 - Claims; deceased or incompetent public creditors.

Code of Federal Regulations, 2011 CFR

2011-04-01

... court, but should be supported by a statement that the appointment is still in full force and effect... report and recommendation. [28 FR 14808, Dec. 31, 1963, as amended by T.D. 68-142, 33 FR 8225, June 1, 1968; T.D. 91-77, 56 FR 46114, Sept. 10, 1991] ...

12 CFR Appendix C to Part 202 - Sample Notification Forms

Code of Federal Regulations, 2010 CFR

2010-01-01

... creditor obtained information from a consumer reporting agency that played a part in the credit decision... information that has been obtained from an outside source. ___ Our credit decision was based in whole or in...] Telephone number: ___ Our credit decision was based in whole or in part on information obtained from an...

27 CFR 70.145 - Purchasers, holders of security interests, mechanic's lienors, and judgment lien creditors.

Code of Federal Regulations, 2010 CFR

2010-04-01

... security interests, mechanic's lienors, and judgment lien creditors. 70.145 Section 70.145 Alcohol, Tobacco... Lien for Taxes § 70.145 Purchasers, holders of security interests, mechanic's lienors, and judgment... in § 70.143(a) of this part), mechanic's lienor (as defined in § 70.143(b) of this part), or judgment...

27 CFR 70.145 - Purchasers, holders of security interests, mechanic's lienors, and judgment lien creditors.

Code of Federal Regulations, 2012 CFR

2012-04-01

... security interests, mechanic's lienors, and judgment lien creditors. 70.145 Section 70.145 Alcohol, Tobacco... Lien for Taxes § 70.145 Purchasers, holders of security interests, mechanic's lienors, and judgment... in § 70.143(a) of this part), mechanic's lienor (as defined in § 70.143(b) of this part), or judgment...

27 CFR 70.145 - Purchasers, holders of security interests, mechanic's lienors, and judgment lien creditors.

Code of Federal Regulations, 2014 CFR

2014-04-01

... security interests, mechanic's lienors, and judgment lien creditors. 70.145 Section 70.145 Alcohol, Tobacco... Lien for Taxes § 70.145 Purchasers, holders of security interests, mechanic's lienors, and judgment... in § 70.143(a) of this part), mechanic's lienor (as defined in § 70.143(b) of this part), or judgment...

27 CFR 70.145 - Purchasers, holders of security interests, mechanic's lienors, and judgment lien creditors.

Code of Federal Regulations, 2013 CFR

2013-04-01

... security interests, mechanic's lienors, and judgment lien creditors. 70.145 Section 70.145 Alcohol, Tobacco... Lien for Taxes § 70.145 Purchasers, holders of security interests, mechanic's lienors, and judgment... in § 70.143(a) of this part), mechanic's lienor (as defined in § 70.143(b) of this part), or judgment...

27 CFR 70.145 - Purchasers, holders of security interests, mechanic's lienors, and judgment lien creditors.

Code of Federal Regulations, 2011 CFR

2011-04-01

... security interests, mechanic's lienors, and judgment lien creditors. 70.145 Section 70.145 Alcohol, Tobacco... Lien for Taxes § 70.145 Purchasers, holders of security interests, mechanic's lienors, and judgment... in § 70.143(a) of this part), mechanic's lienor (as defined in § 70.143(b) of this part), or judgment...

76 FR 1666 - Proposed Collection; Comment Request for Form 15597

Federal Register 2010, 2011, 2012, 2013, 2014

2011-01-11

... at a third party foreclosure sale. If the IRS has filed a ``Notice of Federal Tax Lien'' publically notifying a taxpayer's creditors that the taxpayer owes the IRS a tax debt, AND a creditor senior to the IRS...) THEN the IRS tax claim is discharged or removed from the property (if the appropriate foreclosure rules...

25 CFR 513.35 - What special review is available when the Commission is the creditor agency?

Code of Federal Regulations, 2011 CFR

2011-04-01

... 25 Indians 2 2011-04-01 2011-04-01 false What special review is available when the Commission is the creditor agency? 513.35 Section 513.35 Indians NATIONAL INDIAN GAMING COMMISSION, DEPARTMENT OF...; (ii) Assets; (iii) Liabilities; (iv) Number of dependents; (v) Expenses for food, housing, clothing...

25 CFR 513.35 - What special review is available when the Commission is the creditor agency?

Code of Federal Regulations, 2010 CFR

2010-04-01

... 25 Indians 2 2010-04-01 2010-04-01 false What special review is available when the Commission is the creditor agency? 513.35 Section 513.35 Indians NATIONAL INDIAN GAMING COMMISSION, DEPARTMENT OF...; (ii) Assets; (iii) Liabilities; (iv) Number of dependents; (v) Expenses for food, housing, clothing...

12 CFR 360.2 - Federal Home Loan banks as secured creditors.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 5 2012-01-01 2012-01-01 false Federal Home Loan banks as secured creditors... OF GENERAL POLICY RESOLUTION AND RECEIVERSHIP RULES § 360.2 Federal Home Loan banks as secured... regulations, the receiver of a borrower from a Federal Home Loan Bank shall recognize the priority of any...

12 CFR 360.2 - Federal Home Loan banks as secured creditors.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 5 2013-01-01 2013-01-01 false Federal Home Loan banks as secured creditors... OF GENERAL POLICY RESOLUTION AND RECEIVERSHIP RULES § 360.2 Federal Home Loan banks as secured... regulations, the receiver of a borrower from a Federal Home Loan Bank shall recognize the priority of any...

12 CFR 360.2 - Federal Home Loan banks as secured creditors.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 4 2011-01-01 2011-01-01 false Federal Home Loan banks as secured creditors... OF GENERAL POLICY RESOLUTION AND RECEIVERSHIP RULES § 360.2 Federal Home Loan banks as secured... regulations, the receiver of a borrower from a Federal Home Loan Bank shall recognize the priority of any...

12 CFR 360.2 - Federal Home Loan banks as secured creditors.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 5 2014-01-01 2014-01-01 false Federal Home Loan banks as secured creditors... OF GENERAL POLICY RESOLUTION AND RECEIVERSHIP RULES § 360.2 Federal Home Loan banks as secured... regulations, the receiver of a borrower from a Federal Home Loan Bank shall recognize the priority of any...

12 CFR Rules for Card Issuers That... - by-Transaction Basis

Code of Federal Regulations, 2013 CFR

2013-01-01

... Credit Card Accounts and Open-End Credit Offered to College Students Reevaluation of rate increases. Pt... provisions of Subpart B apply if credit cards are issued and the card issuer and the seller are the same or... creditor have an agreement authorizing the seller to honor the creditor's credit card. 1. Section 226.6(a...

49 CFR 92.41 - Requesting recovery when the Department is not the paying agency.

Code of Federal Regulations, 2010 CFR

2010-10-01

... processs of separating. If the employee is in the process of separating, the DOT creditor operating element... paying agency. (a) Format of the request for recovery. (1) Where the DOT operating element is the..., attach a copy of the decision of the administrative law judge or other hearing official. The DOT creditor...

12 CFR Optional Annual Percentage... - End Plans Subject to the Requirements of § 226.5b

Code of Federal Regulations, 2012 CFR

2012-01-01

....5b Annual Optional Annual Percentage Rate Computations for Creditors Offering Open Banks and Banking... (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College... Creditors Offering Open-End Plans Subject to the Requirements of § 226.5b In determining the denominator of...

12 CFR Optional Annual Percentage... - End Plans Subject to the Requirements of § 226.5b

Code of Federal Regulations, 2011 CFR

2011-01-01

....5b Annual Optional Annual Percentage Rate Computations for Creditors Offering Open Banks and Banking... (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College... Creditors Offering Open-End Plans Subject to the Requirements of § 226.5b In determining the denominator of...

12 CFR Optional Annual Percentage... - End Plans Subject to the Requirements of § 226.5b

Code of Federal Regulations, 2013 CFR

2013-01-01

....5b Annual Optional Annual Percentage Rate Computations for Creditors Offering Open Banks and Banking... LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to... Computations for Creditors Offering Open-End Plans Subject to the Requirements of § 226.5b In determining the...

40 CFR 13.23 - Salary offset when EPA is not the creditor agency.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 40 Protection of Environment 1 2010-07-01 2010-07-01 false Salary offset when EPA is not the... CLAIMS COLLECTION STANDARDS Administrative Offset § 13.23 Salary offset when EPA is not the creditor... period. (4) Unless the employee has consented in writing to the salary deductions or signed a statement...

41 CFR 105-56.031 - Notice.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 41 Public Contracts and Property Management 3 2010-07-01 2010-07-01 false Notice. 105-56.031 Section 105-56.031 Public Contracts and Property Management Federal Property Management Regulations System... the amount of offset taken; (ii) The identity of the creditor agency identified by the disbursing...

76 FR 40612 - Real Estate Settlement Procedures Act (RESPA): Technical Corrections and Clarifying Amendments

Federal Register 2010, 2011, 2012, 2013, 2014

2011-07-11

...)(ii)(D) states that ``creditor'' is defined in the Consumer Credit Protection Act at 15 U.S.C. 1602(f... ``creditor'', as defined in section 103(g) of the Consumer Credit Protection Act (15 U.S.C. 1602(g)), that... enactment of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act (Pub. L. 110-203...

26 CFR 301.6323(a)-1 - Purchasers, holders of security interests, mechanic's lienors, and judgment lien creditors.

Code of Federal Regulations, 2011 CFR

2011-04-01

..., mechanic's lienors, and judgment lien creditors. 301.6323(a)-1 Section 301.6323(a)-1 Internal Revenue... ADMINISTRATION Collection General Provisions § 301.6323(a)-1 Purchasers, holders of security interests, mechanic... of a security interest (as defined in paragraph (a) of § 301.6323(h)—1), mechanic's lienor (as...

26 CFR 301.6323(a)-1 - Purchasers, holders of security interests, mechanic's lienors, and judgment lien creditors.

Code of Federal Regulations, 2010 CFR

2010-04-01

..., mechanic's lienors, and judgment lien creditors. 301.6323(a)-1 Section 301.6323(a)-1 Internal Revenue... ADMINISTRATION Collection General Provisions § 301.6323(a)-1 Purchasers, holders of security interests, mechanic... of a security interest (as defined in paragraph (a) of § 301.6323(h)—1), mechanic's lienor (as...

26 CFR 301.6323(a)-1 - Purchasers, holders of security interests, mechanic's lienors, and judgment lien creditors.

Code of Federal Regulations, 2013 CFR

2013-04-01

..., mechanic's lienors, and judgment lien creditors. 301.6323(a)-1 Section 301.6323(a)-1 Internal Revenue... ADMINISTRATION Collection General Provisions § 301.6323(a)-1 Purchasers, holders of security interests, mechanic... of a security interest (as defined in paragraph (a) of § 301.6323(h)—1), mechanic's lienor (as...

26 CFR 301.6323(a)-1 - Purchasers, holders of security interests, mechanic's lienors, and judgment lien creditors.

Code of Federal Regulations, 2012 CFR

2012-04-01

..., mechanic's lienors, and judgment lien creditors. 301.6323(a)-1 Section 301.6323(a)-1 Internal Revenue... ADMINISTRATION Collection General Provisions § 301.6323(a)-1 Purchasers, holders of security interests, mechanic... of a security interest (as defined in paragraph (a) of § 301.6323(h)—1), mechanic's lienor (as...

26 CFR 301.6323(a)-1 - Purchasers, holders of security interests, mechanic's lienors, and judgment lien creditors.

Code of Federal Regulations, 2014 CFR

2014-04-01

..., mechanic's lienors, and judgment lien creditors. 301.6323(a)-1 Section 301.6323(a)-1 Internal Revenue... ADMINISTRATION Collection General Provisions § 301.6323(a)-1 Purchasers, holders of security interests, mechanic... of a security interest (as defined in paragraph (a) of § 301.6323(h)—1), mechanic's lienor (as...

12 CFR 220.128 - Treatment of simultaneous long and short positions in the same margin account when put or call...

Code of Federal Regulations, 2010 CFR

2010-01-01

... the deposit of margin ordinarily required in connection with the guarantee by a creditor of a put or... current market value of any securities (other than unissued securities) sold short in the general account...) The amount of any margin customarily required by the creditor in connection with his endorsement or...

12 CFR Appendix B to Part 202 - Model Application Forms

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 2 2014-01-01 2014-01-01 false Model Application Forms B Appendix B to Part... CREDIT OPPORTUNITY ACT (REGULATION B) Pt. 202, App. B Appendix B to Part 202—Model Application Forms 1... appear on the creditor's form. 3. If a creditor uses an appropriate Appendix B model form, or modifies a...

31 CFR 357.15 - How can a debtor's interest in a Security Entitlement be reached by creditors?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false How can a debtor's interest in a Security Entitlement be reached by creditors? 357.15 Section 357.15 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FISCAL SERVICE, DEPARTMENT OF THE TREASURY BUREAU OF THE PUBLIC...

12 CFR 1002.15 - Incentives for self-testing and self-correction.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 8 2013-01-01 2013-01-01 false Incentives for self-testing and self-correction... OPPORTUNITY ACT (REGULATION B) § 1002.15 Incentives for self-testing and self-correction. (a) General rules—(1) Voluntary self-testing and correction. The report or results of a self-test that a creditor voluntarily...

12 CFR 1002.15 - Incentives for self-testing and self-correction.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 12 Banks and Banking 8 2012-01-01 2012-01-01 false Incentives for self-testing and self-correction... OPPORTUNITY ACT (REGULATION B) § 1002.15 Incentives for self-testing and self-correction. (a) General rules—(1) Voluntary self-testing and correction. The report or results of a self-test that a creditor voluntarily...

12 CFR 1002.15 - Incentives for self-testing and self-correction.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 8 2014-01-01 2014-01-01 false Incentives for self-testing and self-correction... OPPORTUNITY ACT (REGULATION B) § 1002.15 Incentives for self-testing and self-correction. (a) General rules—(1) Voluntary self-testing and correction. The report or results of a self-test that a creditor voluntarily...

75 FR 2723 - Fair Credit Reporting Risk-Based Pricing Regulations

Federal Register 2010, 2011, 2012, 2013, 2014

2010-01-15

... application, grant, extension, or other provision of credit and, based in whole or in part on the consumer....\\1\\ \\1\\ Under Sec. 615(a) of the FCRA, creditors that deny a consumer's application for credit, based... with an application for, or a grant, extension, or other provision of, credit to a consumer; and (ii...

41 CFR 105-56.021 - Notice.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 41 Public Contracts and Property Management 3 2010-07-01 2010-07-01 false Notice. 105-56.021 Section 105-56.021 Public Contracts and Property Management Federal Property Management Regulations System... description of the payment and the amount of offset taken; (ii) The identity of GSA as the creditor agency...

12 CFR 202.2 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

...) Credit means the right granted by a creditor to an applicant to defer payment of a debt, incur debt and defer its payment, or purchase property or services and defer payment therefor. (k) Credit card means... notwithstanding the maintenance of procedures reasonably adapted to avoid such errors. (t) Judgmental system of...

12 CFR 202.2 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-01-01

...) Credit means the right granted by a creditor to an applicant to defer payment of a debt, incur debt and defer its payment, or purchase property or services and defer payment therefor. (k) Credit card means... notwithstanding the maintenance of procedures reasonably adapted to avoid such errors. (t) Judgmental system of...

12 CFR 202.2 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

...) Credit means the right granted by a creditor to an applicant to defer payment of a debt, incur debt and defer its payment, or purchase property or services and defer payment therefor. (k) Credit card means... notwithstanding the maintenance of procedures reasonably adapted to avoid such errors. (t) Judgmental system of...

12 CFR 222.90 - Duties regarding the detection, prevention, and mitigation of identity theft.

Code of Federal Regulations, 2013 CFR

2013-01-01

... mitigation of identity theft. 222.90 Section 222.90 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED...) Identity Theft Red Flags § 222.90 Duties regarding the detection, prevention, and mitigation of identity... soundness of the financial institution or creditor from identity theft, including financial, operational...

12 CFR 222.90 - Duties regarding the detection, prevention, and mitigation of identity theft.

Code of Federal Regulations, 2014 CFR

2014-01-01

... mitigation of identity theft. 222.90 Section 222.90 Banks and Banking FEDERAL RESERVE SYSTEM (CONTINUED...) Identity Theft Red Flags § 222.90 Duties regarding the detection, prevention, and mitigation of identity... soundness of the financial institution or creditor from identity theft, including financial, operational...

24 CFR 81.99 - Additional provisions.

Code of Federal Regulations, 2010 CFR

2010-04-01

... attachment for GSE Securities in Book-entry system. The interest of a debtor in a Security Entitlement may be reached by a creditor only by legal process upon the Securities Intermediary with whom the debtor's securities account is maintained, except where a Security Entitlement is maintained in the name of a secured...

12 CFR Supplement I to Part 1002 - Official Interpretations

Code of Federal Regulations, 2012 CFR

2012-01-01

.... Definition. The test for deciding whether a transaction qualifies as business credit is one of primary... revalidated based on the creditor's own data when it becomes available. 4. Effects test and disparate... systems could nonetheless be subject to challenge under the effects test. (See comment 6(a)-2 for a...

12 CFR Supplement I to Part 1002 - Official Interpretations

Code of Federal Regulations, 2013 CFR

2013-01-01

.... Definition. The test for deciding whether a transaction qualifies as business credit is one of primary... revalidated based on the creditor's own data when it becomes available. 4. Effects test and disparate... systems could nonetheless be subject to challenge under the effects test. (See comment 6(a)-2 for a...

25 CFR 513.31 - What notice will the Commission, as the creditor agency, give a debtor that salary offset will...

Code of Federal Regulations, 2010 CFR

2010-04-01

... 25 Indians 2 2010-04-01 2010-04-01 false What notice will the Commission, as the creditor agency, give a debtor that salary offset will occur? 513.31 Section 513.31 Indians NATIONAL INDIAN GAMING... official grants, a delay in proceedings; (10) An explanation of the effect of submitting knowingly false or...

12 CFR 220.10 - Borrowing and lending securities.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Borrowing and lending securities. 220.10... RESERVE SYSTEM CREDIT BY BROKERS AND DEALERS (REGULATION T) § 220.10 Borrowing and lending securities. (a) Without regard to the other provisions of this part, a creditor may borrow or lend securities for the...

Iraq’s Debt Relief: Procedure and Potential Implications for International Debt Relief

DTIC Science & Technology

2009-01-26

countries use different interest rates and levy different penalties for Iraq’s payment arrears . Hence, the debt owed to each creditor can grow at...REPORT DATE 26 JAN 2009 2. REPORT TYPE 3. DATES COVERED 00-00-2009 to 00-00-2009 4. TITLE AND SUBTITLE Iraq’s Debt Relief: Procedure and...Potential Implications for International Debt Relief 5a. CONTRACT NUMBER 5b. GRANT NUMBER 5c. PROGRAM ELEMENT NUMBER 6. AUTHOR(S) 5d. PROJECT NUMBER 5e

12 CFR 226.11 - Treatment of credit balances.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Treatment of credit balances. 226.11 Section... SYSTEM TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.11 Treatment of credit balances. When a credit balance in excess of $1 is created on a credit account (through transmittal of funds to a creditor...

12 CFR Appendix J to Part 222 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2013 CFR

2013-01-01

... covered accounts the financial institution or creditor should take steps to ensure that the activity of... detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of information to... Detection, Prevention, and Mitigation J Appendix J to Part 222 Banks and Banking FEDERAL RESERVE SYSTEM...

12 CFR Appendix J to Part 222 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2014 CFR

2014-01-01

... covered accounts the financial institution or creditor should take steps to ensure that the activity of... detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of information to... Detection, Prevention, and Mitigation J Appendix J to Part 222 Banks and Banking FEDERAL RESERVE SYSTEM...

12 CFR Appendix J to Part 222 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2011 CFR

2011-01-01

... covered accounts the financial institution or creditor should take steps to ensure that the activity of... detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of information to... Detection, Prevention, and Mitigation J Appendix J to Part 222 Banks and Banking FEDERAL RESERVE SYSTEM...

12 CFR Appendix J to Part 222 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2012 CFR

2012-01-01

... covered accounts the financial institution or creditor should take steps to ensure that the activity of... detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of information to... Detection, Prevention, and Mitigation J Appendix J to Part 222 Banks and Banking FEDERAL RESERVE SYSTEM...

Donor funding for newborn survival: an analysis of donor-reported data, 2002-2010.

PubMed

Pitt, Catherine; Lawn, Joy E; Ranganathan, Meghna; Mills, Anne; Hanson, Kara

2012-10-01

Neonatal mortality accounts for 43% of global under-five deaths and is decreasing more slowly than maternal or child mortality. Donor funding has increased for maternal, newborn, and child health (MNCH), but no analysis to date has disaggregated aid for newborns. We evaluated if and how aid flows for newborn care can be tracked, examined changes in the last decade, and considered methodological implications for tracking funding for specific population groups or diseases. We critically reviewed and categorised previous analyses of aid to specific populations, diseases, or types of activities. We then developed and refined key terms related to newborn survival in seven languages and searched titles and descriptions of donor disbursement records in the Organisation for Economic Co-operation and Development's Creditor Reporting System database, 2002-2010. We compared results with the Countdown to 2015 database of aid for MNCH (2003-2008) and the search strategy used by the Institute for Health Metrics and Evaluation. Prior to 2005, key terms related to newborns were rare in disbursement records but their frequency increased markedly thereafter. Only two mentions were found of "stillbirth" and only nine references were found to "fetus" in any spelling variant or language. The total value of non-research disbursements mentioning any newborn search terms rose from US$38.4 million in 2002 to US$717.1 million in 2010 (constant 2010 US$). The value of non-research projects exclusively benefitting newborns fluctuated somewhat but remained low, at US$5.7 million in 2010. The United States and the United Nations Children's Fund (UNICEF) provided the largest value of non-research funding mentioning and exclusively benefitting newborns, respectively. Donor attention to newborn survival has increased since 2002, but it appears unlikely that donor aid is commensurate with the 3.0 million newborn deaths and 2.7 million stillbirths each year. We recommend that those tracking funding for other specific population groups, diseases, or activities consider a key term search approach in the Creditor Reporting System along with a detailed review of their data, but that they develop their search terms and interpretations carefully, taking into account the limitations described. Please see later in the article for the Editors' Summary.

Getting ready for identity theft rules: creating a prevention program for your medical practice.

PubMed

Cascardo, Debra

2009-01-01

Identity theft worries have found their way into medical practices. By August 1, 2009, all "creditors" must have a written program to prevent, detect, and minimize damage from identity theft. Any medical practice that bills patients is considered a creditor. Like HIPAA, these new Red Flag guidelines will serve to protect your practice from lawsuits as well as protect your patients from identity theft of their financial, personal, and medical information.

The case for comparability in financial reporting.

PubMed

Harmer, W G

1992-03-01

Government-owned organizations are accountable to citizens and their elected representatives. These organizations must provide financial information that will help in determining whether they are effectively pursuing their primary goal, which is to promote the general welfare. Regardless of the kind of service provided by a government-owned organization, the information needs of citizens and their elected representatives must be considered when developing accounting rules. If these needs are ignored or compromised in favor of the needs of other users, such as investors or creditors (the primary users of business financial reports), then financial reporting by government-owned organizations will not meet its objectives.

78 FR 6407 - Ability-to-Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-30

...The Bureau of Consumer Financial Protection (Bureau) is amending Regulation Z, which implements the Truth in Lending Act (TILA). Regulation Z currently prohibits a creditor from making a higher-priced mortgage loan without regard to the consumer's ability to repay the loan. The final rule implements sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), which generally require creditors to make a reasonable, good faith determination of a consumer's ability to repay any consumer credit transaction secured by a dwelling (excluding an open-end credit plan, timeshare plan, reverse mortgage, or temporary loan) and establishes certain protections from liability under this requirement for ``qualified mortgages.'' The final rule also implements section 1414 of the Dodd-Frank Act, which limits prepayment penalties. Finally, the final rule requires creditors to retain evidence of compliance with the rule for three years after a covered loan is consummated.

Mapping Systemic Risk: Critical Degree and Failures Distribution in Financial Networks.

PubMed

Smerlak, Matteo; Stoll, Brady; Gupta, Agam; Magdanz, James S

2015-01-01

The financial crisis illustrated the need for a functional understanding of systemic risk in strongly interconnected financial structures. Dynamic processes on complex networks being intrinsically difficult to model analytically, most recent studies of this problem have relied on numerical simulations. Here we report analytical results in a network model of interbank lending based on directly relevant financial parameters, such as interest rates and leverage ratios. We obtain a closed-form formula for the "critical degree" (the number of creditors per bank below which an individual shock can propagate throughout the network), and relate failures distributions to network topologies, in particular scalefree ones. Our criterion for the onset of contagion turns out to be isomorphic to the condition for cooperation to evolve on graphs and social networks, as recently formulated in evolutionary game theory. This remarkable connection supports recent calls for a methodological rapprochement between finance and ecology.

Mapping Systemic Risk: Critical Degree and Failures Distribution in Financial Networks

PubMed Central

Smerlak, Matteo; Stoll, Brady; Gupta, Agam; Magdanz, James S.

2015-01-01

The financial crisis illustrated the need for a functional understanding of systemic risk in strongly interconnected financial structures. Dynamic processes on complex networks being intrinsically difficult to model analytically, most recent studies of this problem have relied on numerical simulations. Here we report analytical results in a network model of interbank lending based on directly relevant financial parameters, such as interest rates and leverage ratios. We obtain a closed-form formula for the “critical degree” (the number of creditors per bank below which an individual shock can propagate throughout the network), and relate failures distributions to network topologies, in particular scalefree ones. Our criterion for the onset of contagion turns out to be isomorphic to the condition for cooperation to evolve on graphs and social networks, as recently formulated in evolutionary game theory. This remarkable connection supports recent calls for a methodological rapprochement between finance and ecology. PMID:26207631

All States Guide to Consumer Laws.

DTIC Science & Technology

1986-09-01

3-21 d. Title Companies .. .. .. .. .. .. .. ... .. ... .3-21 e. Escrow Accounts .. .. .. .. .. .. ... .. ... ... 3-21 f. Enf orce men t...from the obligor, the creditor or assignee notifies the obligor of the error and makes appropriate adjust men ts. (3) Good Faith Reliance. There will be...slate law. Impled worrantbers may give you e@~ miors rights. w SYSTEMS COVERED: DIURAflON: 30 )e*kois m ~C~ C SERVK* CONTRI A men ~ct contract be

Donor Funding for Newborn Survival: An Analysis of Donor-Reported Data, 2002–2010

PubMed Central

Pitt, Catherine; Lawn, Joy E.; Ranganathan, Meghna; Mills, Anne; Hanson, Kara

2012-01-01

Background Neonatal mortality accounts for 43% of global under-five deaths and is decreasing more slowly than maternal or child mortality. Donor funding has increased for maternal, newborn, and child health (MNCH), but no analysis to date has disaggregated aid for newborns. We evaluated if and how aid flows for newborn care can be tracked, examined changes in the last decade, and considered methodological implications for tracking funding for specific population groups or diseases. Methods and Findings We critically reviewed and categorised previous analyses of aid to specific populations, diseases, or types of activities. We then developed and refined key terms related to newborn survival in seven languages and searched titles and descriptions of donor disbursement records in the Organisation for Economic Co-operation and Development's Creditor Reporting System database, 2002–2010. We compared results with the Countdown to 2015 database of aid for MNCH (2003–2008) and the search strategy used by the Institute for Health Metrics and Evaluation. Prior to 2005, key terms related to newborns were rare in disbursement records but their frequency increased markedly thereafter. Only two mentions were found of “stillbirth” and only nine references were found to “fetus” in any spelling variant or language. The total value of non-research disbursements mentioning any newborn search terms rose from US$38.4 million in 2002 to US$717.1 million in 2010 (constant 2010 US$). The value of non-research projects exclusively benefitting newborns fluctuated somewhat but remained low, at US$5.7 million in 2010. The United States and the United Nations Children's Fund (UNICEF) provided the largest value of non-research funding mentioning and exclusively benefitting newborns, respectively. Conclusions Donor attention to newborn survival has increased since 2002, but it appears unlikely that donor aid is commensurate with the 3.0 million newborn deaths and 2.7 million stillbirths each year. We recommend that those tracking funding for other specific population groups, diseases, or activities consider a key term search approach in the Creditor Reporting System along with a detailed review of their data, but that they develop their search terms and interpretations carefully, taking into account the limitations described. Please see later in the article for the Editors' Summary PMID:23118619

Oral Historical, Documentary, and Archaeological Investigations of Barton and Vinton, Mississippi: An Interim Report on Phase 3 of the Tombigbee Historic Townsites Project

DTIC Science & Technology

1983-11-01

studied a riverside plantation and tenant community (Adams 1980), a . black tenant community (Kern et al. 1982b), a light industrial site and mill...the following propositions. The last half of the nineteenth century was one of unprecedented industrial productivity as the mechanical inven- tions of...originally his undertaking as well.125 Despite his apparent industry , Young’s venture at Vinton failed in spring 1852, his New York creditors having

Gary Refining Company emerges from Chapter 11 bankruptcy

DOE Office of Scientific and Technical Information (OSTI.GOV)

Not Available

1986-09-01

On July 24, 1986 Gary Refining Company, Inc. announced that the Reorganization Plan for Gary Refining Company, Inc., Gary Refining Company, and Mesa Refining, Inc. has been approved by the United States bankruptcy Court (District of Colorado). The companies filed for protection from creditors on March 4, 1985 under Chapter 11 of the United States Bankruptcy Code. Payments to creditors are expected to begin upon start-up of the Gary Refining Company (GRC) refinery in Fruita, Colorado after delivery of shale oil from Union Oil's Parachute Creek plant. In the interim, GRC will continue to explore options for possible startup (onmore » a full scale or partial basis) prior to that time.« less

Systemic Losses Due to Counterparty Risk in a Stylized Banking System

NASA Astrophysics Data System (ADS)

Birch, Annika; Aste, Tomaso

2014-09-01

We report a study of a stylized banking cascade model investigating systemic risk caused by counterparty failure using liabilities and assets to define banks' balance sheet. In our stylized system, banks can be in two states: normally operating or distressed and the state of a bank changes from normally operating to distressed whenever its liabilities are larger than the banks' assets. The banks are connected through an interbank lending network and, whenever a bank is distressed, its creditor cannot expect the loan from the distressed bank to be repaid, potentially becoming distressed themselves. We solve the problem analytically for a homogeneous system and test the robustness and generality of the results with simulations of more complex systems. We investigate the parameter space and the corresponding distribution of operating banks mapping the conditions under which the whole system is stable or unstable. This allows us to determine how financial stability of a banking system is influenced by regulatory decisions, such as leverage; we discuss the effect of central bank actions, such as quantitative easing and we determine the cost of rescuing a distressed banking system using re-capitalisation. Finally, we estimate the stability of the UK and US banking systems comparing the years 2007 and 2012 by using real data.

Aid alignment: a longer term lens on trends in development assistance for health in Uganda

PubMed Central

2013-01-01

Background Over the past decade, development assistance for health (DAH) in Uganda has increased dramatically, surpassing the government’s own expenditures on health. Yet primary health care and other priorities identified in Uganda’s health sector strategic plan remain underfunded. Methods Using data available from the Creditor Reporting System (CRS), National Health Accounts (NHA), and government financial reports, we examined trends in how donors channel DAH and the extent to which DAH is aligned with sector priorities. The study follows the flow of DAH from the donor to the implementing organization, specifying the modality used for disbursing funds and categorizing funds based on program area or support function. Findings Despite efforts to improve alignment through the formation of a sector-wide approach (SWAp) for health in 1999 and the creation of a fund to pool resources for identified priorities, increasingly DAH is provided as short-term, project-based support for disease-specific initiatives, in particular HIV/AIDS. Conclusion These findings highlight the need to better align external resources with country priorities and refocus attention on longer-term sector-wide objectives. PMID:23425287

Asset protection: why a preventive approach is the best insurance against liability.

PubMed

Rinaldi, Ellen; Shin, Alisa

2008-02-01

Asset-protection planning is critical for people in high-risk professions, such as dentistry. Planning requires a careful weighing of risks, such as the risk of a lawsuit versus that of relinquishing control of assets. The authors examine several lawful techniques that may protect a dentist's assets from claims of future creditors. Asset-protection planning, if done early and with the guidance of an attorney well-versed in the subject, can help deter creditors from claims resulting from malpractice suits, divorce, business partner disputes, bad investments, poor tax planning or a combination of these. Practice Implications. Careful planning can minimize the risk to a dentist's personal assets and the assets of the practice resulting from a lawsuit or other liabilities.

7 CFR 4288.133 - Payment liability.

Code of Federal Regulations, 2012 CFR

2012-01-01

... RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE PAYMENT PROGRAMS Advanced Biofuel Payment Program... lien against the advanced biofuel, or proceeds thereof, in favor of the owner or any other creditor...

7 CFR 4288.133 - Payment liability.

Code of Federal Regulations, 2013 CFR

2013-01-01

... RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE PAYMENT PROGRAMS Advanced Biofuel Payment Program... lien against the advanced biofuel, or proceeds thereof, in favor of the owner or any other creditor...

12 CFR 627.2745 - Priority of claims-associations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... to reasonable expenses incurred for services actually provided by accountants, attorneys, appraisers... the calendar year 1992. (e) All claims for taxes. (f) All claims of creditors, including the district...

12 CFR 650.45 - Priority of claims.

Code of Federal Regulations, 2010 CFR

2010-01-01

... to reasonable expenses incurred for services actually provided by accountants, attorneys, appraisers... the calendar year 1992. (e) All claims for taxes. (f) All claims of creditors which are secured by...

75 FR 8294 - Submission for OMB Review; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2010-02-24

... technological collection techniques or other forms of information technology should be addressed to: Desk... to reorganize the farming operation or refinance USDA and non-USDA creditors. The information...

12 CFR 627.2750 - Priority of claims-banks.

Code of Federal Regulations, 2010 CFR

2010-01-01

... expenses incurred for services actually provided by accountants, attorneys, appraisers, examiners, or...) All claims for taxes. (f) All claims of creditors which are secured by specific assets or equities of...

32 CFR 536.27 - Identification of a proper claimant.

Code of Federal Regulations, 2010 CFR

2010-07-01

...) Transfer or assignment. (1) Under the Antiassignment Act (31 U.S.C. 3727) and Defense Finance and... benefit of creditors, corporate liquidations, consolidations, or reorganizations, and where title passes...

76 FR 35724 - Conservatorship and Receivership

Federal Register 2010, 2011, 2012, 2013, 2014

2011-06-20

... through infusions of Treasury funds. If securities litigation claimants were treated as ordinary creditors... on the U.S. taxpayers, who through the Treasury Agreements provide infusions of cash to make up any...

5 CFR 838.122 - State courts' responsibilities.

Code of Federal Regulations, 2010 CFR

2010-01-01

... the statutory provisions authorizing OPM to provide benefits to former spouses or child abuse... the former spouse or child abuse creditor. [57 FR 33574, July 29, 1992, as amended at 59 FR 66638, Dec...

26 CFR 1.269-5 - Time of acquisition of control.

Code of Federal Regulations, 2010 CFR

2010-04-01

... debtor-in-possession from business management and operations and appoints a trustee. The trustee consults regularly with the creditors' committee in formulating both short-term and long-term management decisions...

12 CFR 627.2752 - Priority of claims-other Farm Credit institutions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... services actually provided by accountants, attorneys, appraisers, examiners, or management companies, or... taxes. (f) All claims of creditors which are secured by specific assets or equities of the institution...

27 CFR 555.59 - Right of succession by certain persons.

Code of Federal Regulations, 2010 CFR

2010-04-01

..., FIREARMS, AND EXPLOSIVES, DEPARTMENT OF JUSTICE EXPLOSIVES COMMERCE IN EXPLOSIVES Licenses and Permits... permittee; and (2) A receiver or trustee in bankruptcy, or an assignee for benefit of creditors. (b) In...

5 CFR 838.122 - State courts' responsibilities.

Code of Federal Regulations, 2013 CFR

2013-01-01

... the statutory provisions authorizing OPM to provide benefits to former spouses or child abuse... the former spouse or child abuse creditor. [57 FR 33574, July 29, 1992, as amended at 59 FR 66638, Dec...

5 CFR 838.122 - State courts' responsibilities.

Code of Federal Regulations, 2014 CFR

2014-01-01

... the statutory provisions authorizing OPM to provide benefits to former spouses or child abuse... the former spouse or child abuse creditor. [57 FR 33574, July 29, 1992, as amended at 59 FR 66638, Dec...

5 CFR 838.122 - State courts' responsibilities.

Code of Federal Regulations, 2012 CFR

2012-01-01

... the statutory provisions authorizing OPM to provide benefits to former spouses or child abuse... the former spouse or child abuse creditor. [57 FR 33574, July 29, 1992, as amended at 59 FR 66638, Dec...

5 CFR 838.122 - State courts' responsibilities.

Code of Federal Regulations, 2011 CFR

2011-01-01

... the statutory provisions authorizing OPM to provide benefits to former spouses or child abuse... the former spouse or child abuse creditor. [57 FR 33574, July 29, 1992, as amended at 59 FR 66638, Dec...

The association of debt financing with not-for-profit hospitals' operational and capital-investment efficiency.

PubMed

Magnus, Stephen A; Wheeler, John R C; Smith, Dean G

2004-01-01

Increased debt in companies can motivate both operational and capital-investment efficiency. This positive influence of debt is attributed to creditors' oversight of corporate behavior and the need to generate cash flows to service debt. Our study investigates whether debt has a similar relationship with efficiency in not-for-profit hospitals. Using statistical analysis of a database of audited financial statements of not-for-profit hospitals, we test whether debt is associated with six distinct measures of operational and capital-investment efficiency. We find that debt either has no association with efficiency or predicts decreased efficiency. Possible explanations are that creditors' oversight is less tight in the not-for-profit setting and that debt may at times motivate excessive capital investment because of a legal requirement to tie tax-exempt debt with a capital-investment project.

5 CFR 9401.109 - Disqualification of employees from particular matters involving creditors.

Code of Federal Regulations, 2014 CFR

2014-01-01

... partner, or dependent child has a legal or beneficial interest; (6) An investment club or similar informal... cards issued by insured depository institutions or insured credit unions; (2) Overdraft protection on...

5 CFR 9401.109 - Disqualification of employees from particular matters involving creditors.

Code of Federal Regulations, 2013 CFR

2013-01-01

... partner, or dependent child has a legal or beneficial interest; (6) An investment club or similar informal... cards issued by insured depository institutions or insured credit unions; (2) Overdraft protection on...

27 CFR 478.56 - Right of succession by certain persons.

Code of Federal Regulations, 2010 CFR

2010-04-01

..., FIREARMS, AND EXPLOSIVES, DEPARTMENT OF JUSTICE FIREARMS AND AMMUNITION COMMERCE IN FIREARMS AND AMMUNITION... receiver or trustee in bankruptcy, or an assignee for benefit of creditors. (b) In order to secure the...

12 CFR 535.13 - Unfair or deceptive cosigner practices.

Code of Federal Regulations, 2014 CFR

2014-01-01

... increase this amount. The creditor can collect this debt from you without first trying to collect from the... receiving the contractual right to obtain extensions of credit under the account. (2) Cosigner includes any...

12 CFR 535.13 - Unfair or deceptive cosigner practices.

Code of Federal Regulations, 2011 CFR

2011-01-01

... increase this amount. The creditor can collect this debt from you without first trying to collect from the... receiving the contractual right to obtain extensions of credit under the account. (2) Cosigner includes any...

12 CFR 535.13 - Unfair or deceptive cosigner practices.

Code of Federal Regulations, 2013 CFR

2013-01-01

... increase this amount. The creditor can collect this debt from you without first trying to collect from the... receiving the contractual right to obtain extensions of credit under the account. (2) Cosigner includes any...

12 CFR 535.13 - Unfair or deceptive cosigner practices.

Code of Federal Regulations, 2012 CFR

2012-01-01

... increase this amount. The creditor can collect this debt from you without first trying to collect from the... receiving the contractual right to obtain extensions of credit under the account. (2) Cosigner includes any...

20 CFR 266.4 - Information considered in selecting a representative payee.

Code of Federal Regulations, 2010 CFR

2010-04-01

..., including the type of relationship, e.g., family or legal guardianship; degree of relationship, if the... payee unless such appointment poses no substantial conflict of interest and unless the creditor is: (1...

5 CFR 550.1110 - Debt collection centers.

Code of Federal Regulations, 2010 CFR

2010-01-01

... of a creditor agency for the purpose of making determinations regarding the existence or amount of... hearing on the existence or amount of the debt or the repayment schedule by an administrative law judge or...

17 CFR 402.2c - Appendix C-Consolidated computations of liquid capital and total haircuts for certain...

Code of Federal Regulations, 2010 CFR

2010-04-01

... satisfaction of the Commission, through the Designated Examining Authority, that net asset values, or the..., including but not limited to customers, general creditors, subordinated lenders, minority shareholder...

7 CFR 764.51 - Loan application.

Code of Federal Regulations, 2013 CFR

2013-01-01

... transition. (c) For a Lo-Doc OL request, the applicant must: (1) Be current on all payments to all creditors... require a Lo-Doc applicant to submit any other information listed in paragraph (b) of this section as...

49 CFR 92.19 - Obtaining the services of a hearing official.

Code of Federal Regulations, 2010 CFR

2010-10-01

... operating element is the creditor agency, the chief of the appropriate accounting or finance office shall.... (This appendix lists the agents designated to accept legal process for the executive branch, the U.S...

5 CFR 831.1805 - Creditor agency processing for non-fraud claims.

Code of Federal Regulations, 2010 CFR

2010-01-01

... from any final payments (salary, accrued annual leave, etc.) due the debtor. If a balance is due after... (retroactive collection limited to 6 months of premiums); or (iv) Overpaid military retired pay an annuitant...

78 FR 4725 - Escrow Requirements Under the Truth in Lending Act (Regulation Z)

Federal Register 2010, 2011, 2012, 2013, 2014

2013-01-22

...The Bureau of Consumer Financial Protection (Bureau) is publishing a final rule that amends Regulation Z (Truth in Lending) to implement certain amendments to the Truth in Lending Act made by the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). Regulation Z currently requires creditors to establish escrow accounts for higher-priced mortgage loans secured by a first lien on a principal dwelling. The rule implements statutory changes made by the Dodd-Frank Act that lengthen the time for which a mandatory escrow account established for a higher-priced mortgage loan must be maintained. The rule also exempts certain transactions from the statute's escrow requirement. The primary exemption applies to mortgage transactions extended by creditors that operate predominantly in rural or underserved areas, originate a limited number of first-lien covered transactions, have assets below a certain threshold, and do not maintain escrow accounts on mortgage obligations they currently service.

12 CFR 202.2 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... relating to an account taken in connection with inactivity, default, or delinquency as to that account... with the creditor's business judgment); (iii) Developed and validated using accepted statistical principles and methodology; and (iv) Periodically revalidated by the use of appropriate statistical...

Intercity passenger rail : potential financial issues in the event that Amtrak undergoes liquidation

DOT National Transportation Integrated Search

2002-09-01

If Amtrak had been liquidated on December 31, 2001, secured creditors : and unsecured creditorsincluding the federal government and Amtrak : employeesand stockholders would have had about $44 billion in : potential claims against and ownership ...

5 CFR 845.405 - Creditor agency processing for non-fraud claims.

Code of Federal Regulations, 2010 CFR

2010-01-01

... balance is due after offsetting the final payments or the debt is discovered after the debtor has been...); or (iv) Overpaid military retired pay an annuitant elects in writing to have withheld from his or her...

12 CFR 202.15 - Incentives for self-testing and self-correction.

Code of Federal Regulations, 2010 CFR

2010-01-01

... a creditor conducted a self-test, the methodology used or the scope of the self-test, the time... investigation relating to compliance with the Act or this regulation; or (ii) By a government agency or an...

32 CFR 513.4 - Conditions creditors must meet before getting help in debt processing.

Code of Federal Regulations, 2010 CFR

2010-07-01

...) DEPARTMENT OF THE ARMY AID OF CIVIL AUTHORITIES AND PUBLIC RELATIONS INDEBTEDNESS OF MILITARY PERSONNEL § 513... Regulation Z, such as public utility companies, will send a certification with their request. It must state...

12 CFR 360.3 - Priorities.

Code of Federal Regulations, 2010 CFR

2010-01-01

... services actually provided by accountants, attorneys, appraisers, examiners, or management companies, or... taxes, other than Federal income taxes, except to the extent subordinated pursuant to applicable law... taxes; (9) Claims that have been subordinated in whole or in part to general creditor claims, which...

75 FR 44296 - Proposed Collection; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2010-07-28

..., guardian, conservator, assignee for the benefit of creditors, receiver, trustee in insolvency or bankruptcy... technology. Consideration will be given to comments and suggestions submitted in writing within 60 days of... Officer, Securities and Exchange Commission, c/o Shirley Martinson, 6432 General Green Way, Alexandria...

12 CFR 220.6 - Good faith account.

Code of Federal Regulations, 2010 CFR

2010-01-01

... may effect or finance customer transactions in accordance with the following provisions: (a... (the Supplement). (3) Satisfaction of margin. Required margin may be satisfied by a transfer from the.... (b) Arbitrage. A creditor may effect and finance for any customer bona fide arbitrage transactions...

12 CFR Appendix F - Optional Annual Percentage Rate Computations for Creditors Offering Open-End Plans Subject to the...

Code of Federal Regulations, 2014 CFR

2014-01-01

...) TRUTH IN LENDING (REGULATION Z) Special Rules Applicable to Credit Card Accounts and Open-End Credit... balance (previous balance less payments and credits) and the consumer made a payment of $50 at the...

12 CFR 226.10 - Prompt crediting of payments.

Code of Federal Regulations, 2010 CFR

2010-01-01

... during the next billing cycle. Effective Date Note: At 74 FR 5415, Jan. 29, 2009, § 226.10 was revised... consumer's account during the next billing cycle. (d) Crediting of payments when creditor does not receive... business day as late for any purpose. ...

77 FR 57596 - Sunshine Act; Notice of Agency Meeting

Federal Register 2010, 2011, 2012, 2013, 2014

2012-09-18

..., Alexandria, VA 22314-3428. STATUS: Closed. MATTERS TO BE CONSIDERED: 1. Creditor Claim Appeals (2). Closed.... STATUS: Open. MATTERS TO BE CONSIDERED: 1. NCUA's Rules and Regulations, Permissible Investments... Definition of ``Rural District'' for Field of Membership. 4. NCUA's Rules and Regulations, Payday-Alternative...

12 CFR 226.31 - General rules.

Code of Federal Regulations, 2010 CFR

2010-01-01

... shall furnish the disclosures required by § 226.32 at least three business days prior to consummation of... disclosures inaccurate, new disclosures shall be provided in accordance with the requirements of this subpart. (ii) Telephone disclosures. A creditor may provide new disclosures by telephone if the consumer...

32 CFR 513.2 - Administrative procedures for processing complaints.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 32 National Defense 3 2011-07-01 2009-07-01 true Administrative procedures for processing... procedures for processing complaints. (a) Commander's actions. Upon receipt of a debt complaint, the... believed the creditor's debt processing privileges should be revoked, include a recommendation stating the...

32 CFR 513.2 - Administrative procedures for processing complaints.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 32 National Defense 3 2012-07-01 2009-07-01 true Administrative procedures for processing... procedures for processing complaints. (a) Commander's actions. Upon receipt of a debt complaint, the... believed the creditor's debt processing privileges should be revoked, include a recommendation stating the...

32 CFR 513.2 - Administrative procedures for processing complaints.

Code of Federal Regulations, 2013 CFR

2013-07-01

... 32 National Defense 3 2013-07-01 2013-07-01 false Administrative procedures for processing... procedures for processing complaints. (a) Commander's actions. Upon receipt of a debt complaint, the... believed the creditor's debt processing privileges should be revoked, include a recommendation stating the...

20 CFR 361.3 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-04-01

... establishments that are entities of the Federal government. Creditor agency means the agency to which the debt is...' Benefits RAILROAD RETIREMENT BOARD INTERNAL ADMINISTRATION, POLICY AND PROCEDURES RECOVERY OF DEBTS OWED TO THE UNITED STATES GOVERNMENT BY GOVERNMENT EMPLOYEES § 361.3 Definitions. For purposes of this part...

17 CFR 240.15c3-1c - Consolidated computations of net capital and aggregate indebtedness for certain subsidiaries and...

Code of Federal Regulations, 2010 CFR

2010-04-01

... controlled by the broker or dealer for which the broker or dealer can demonstrate to the satisfaction of the... of parties, including but not limited to customers, general creditors, subordinated lenders, minority...

12 CFR 380.32 - Claims bar date.

Code of Federal Regulations, 2012 CFR

2012-01-01

... LIQUIDATION AUTHORITY Receivership Administrative Claims Process § 380.32 Claims bar date. Upon its appointment as receiver for a covered financial company, the Corporation as receiver shall establish a claims bar date by which date creditors of the covered financial company shall present their claims, together...

5 CFR 179.203 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

...) Health insurance premiums; (8) Normal retirement contributions as explained in 5 CFR 581.105(e) (e.g... Federal Employee's Group Life Insurance premiums) exclusive of optional life insurance premiums. Employee... the paying agency to offset the salary of an employee. Claim See debt. Creditor agency means an agency...

78 FR 60381 - Amendments to the 2013 Mortgage Rules Under the Equal Credit Opportunity Act (Regulation B), Real...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-10-01

...This final rule amends some of the final mortgage rules issued by the Bureau of Consumer Financial Protection (Bureau) in January 2013. These amendments focus primarily on loss mitigation procedures under Regulation X's servicing provisions, amounts counted as loan originator compensation to retailers of manufactured homes and their employees for purposes of applying points and fees thresholds under the Home Ownership and Equity Protection Act and the Ability-to-Repay rules in Regulation Z, exemptions available to creditors that operate predominantly in ``rural or underserved'' areas for various purposes under the mortgage regulations, application of the loan originator compensation rules to bank tellers and similar staff, and the prohibition on creditor-financed credit insurance. The Bureau also is adjusting the effective dates for certain provisions of the loan originator compensation rules. In addition, the Bureau is adopting technical and wording changes for clarification purposes to Regulations B, X, and Z.

78 FR 79286 - Truth in Lending (Regulation Z): Adjustment to Asset-Size Exemption Threshold

Federal Register 2010, 2011, 2012, 2013, 2014

2013-12-30

...The Bureau is amending the official commentary that interprets the requirements of the Bureau's Regulation Z (Truth in Lending) to reflect a change in the asset size threshold for certain creditors to qualify for an exemption to the requirement to establish an escrow account for a higher-priced mortgage loan based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) for the 12-month period ending in November. The exemption threshold is adjusted to increase to $2.028 billion from $2 billion. The adjustment is based on the 1.4 percent increase in the average of the CPI-W for the 12-month period ending in November 2013. Therefore, creditors with assets of $2.028 billion or less as of December 31, 2013, are exempt, if other requirements of Regulation Z also are met, from establishing escrow accounts for higher-priced mortgage loans in 2014.

Mental health and psychosocial support in humanitarian settings: linking practice and research

PubMed Central

Tol, Wietse A; Barbui, Corrado; Galappatti, Ananda; Silove, Derrick; Betancourt, Theresa S; Souza, Renato; Golaz, Anne; van Ommeren, Mark

2014-01-01

This review links practice, funding, and evidence for interventions for mental health and psychosocial wellbeing in humanitarian settings. We studied practice by reviewing reports of mental health and psychosocial support activities (2007–10); funding by analysis of the financial tracking service and the creditor reporting system (2007–09); and interventions by systematic review and meta-analysis. In 160 reports, the five most commonly reported activities were basic counselling for individuals (39%); facilitation of community support of vulnerable individuals (23%); provision of child-friendly spaces (21%); support of community-initiated social support (21%); and basic counselling for groups and families (20%). Most interventions took place and were funded outside national mental health and protection systems. 32 controlled studies of interventions were identified, 13 of which were randomised controlled trials (RCTs) that met the criteria for meta-analysis. Two studies showed promising effects for strengthening community and family supports. Psychosocial wellbeing was not included as an outcome in the meta-analysis, because its definition varied across studies. In adults with symptoms of post-traumatic stress disorder (PTSD), meta-analysis of seven RCTs showed beneficial effects for several interventions (psychotherapy and psychosocial supports) compared with usual care or waiting list (standardised mean difference [SMD] −0.38, 95% CI −0.55 to −0.20). In children, meta-analysis of four RCTs failed to show an effect for symptoms of PTSD (−0.36, −0.83 to 0.10), but showed a beneficial effect of interventions (group psychotherapy, school-based support, and other psychosocial support) for internalising symptoms (six RCTs; SMD −0.24, −0.40 to −0.09). Overall, research and evidence focuses on interventions that are infrequently implemented, whereas the most commonly used interventions have had little rigorous scrutiny. PMID:22008428

China's role as a global health donor in Africa: what can we learn from studying under reported resource flows?

PubMed

Grépin, Karen A; Fan, Victoria Y; Shen, Gordon C; Chen, Lucy

2014-12-30

There is a growing recognition of China's role as a global health donor, in particular in Africa, but there have been few systematic studies of the level, destination, trends, or composition of these development finance flows or a comparison of China's engagement as a donor with that of more traditional global health donors. Using newly released data from AidData on China's development finance activities in Africa, developed to track under reported resource flows, we identified 255 health, population, water, and sanitation (HPWS) projects from 2000-2012, which we descriptively analyze by activity sector, recipient country, project type, and planned activity. We compare China's activities to projects from traditional donors using data from the OECD's Development Assistance Committee (DAC) Creditor Reporting System. Since 2000, China increased the number of HPWS projects it supported in Africa and health has increased as a development priority for China. China's contributions are large, ranking it among the top 10 bilateral global health donors to Africa. Over 50% of the HPWS projects target infrastructure, 40% target human resource development, and the provision of equipment and drugs is also common. Malaria is an important disease priority but HIV is not. We find little evidence that China targets health aid preferentially to natural resource rich countries. China is an important global health donor to Africa but contrasts with traditional DAC donors through China's focus on health system inputs and on malaria. Although better data are needed, particularly through more transparent aid data reporting across ministries and agencies, China's approach to South-South cooperation represents an important and distinct source of financial assistance for health in Africa.

22 CFR 34.4 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-04-01

... debt in full satisfaction of the entire amount of the debt. (d) Creditor agency means the Federal... remains from an employee's current basic pay, special pay, incentive pay, retired pay, retainer pay, or in the case of an employee not entitled to basic pay, other authorized pay remaining after required...

12 CFR 190.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... first lien on a residential mobile home if a creditor covered by this part complies with the consumer... be made on the final scheduled installment. (g) Deferral fees. (1) With respect to mobile home credit... money order; do not send cash. ...

12 CFR 190.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... first lien on a residential mobile home if a creditor covered by this part complies with the consumer... be made on the final scheduled installment. (g) Deferral fees. (1) With respect to mobile home credit... money order; do not send cash. ...

12 CFR 190.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... first lien on a residential mobile home if a creditor covered by this part complies with the consumer... be made on the final scheduled installment. (g) Deferral fees. (1) With respect to mobile home credit... money order; do not send cash. ...

12 CFR Appendix I to Part 226 - Federal Enforcement Agencies

Code of Federal Regulations, 2010 CFR

2010-01-01

.... Retail, Department Stores, Consumer Finance Companies, All Other Creditors, and All Nonbank Credit Card... Office in which they operate.) Division of Credit Practices, Bureau of Consumer Protection, Federal Trade.... Federal Credit Unions Regional office of the National Credit Union Administration serving the area in...

19 CFR 201.204 - Salary offset.

Code of Federal Regulations, 2010 CFR

2010-04-01

... 19 Customs Duties 3 2010-04-01 2010-04-01 false Salary offset. 201.204 Section 201.204 Customs Duties UNITED STATES INTERNATIONAL TRADE COMMISSION GENERAL RULES OF GENERAL APPLICATION Debt Collection § 201.204 Salary offset. (a) Notice requirements before offset where the Commission is the creditor...

19 CFR 201.204 - Salary offset.

Code of Federal Regulations, 2013 CFR

2013-04-01

... 19 Customs Duties 3 2013-04-01 2013-04-01 false Salary offset. 201.204 Section 201.204 Customs Duties UNITED STATES INTERNATIONAL TRADE COMMISSION GENERAL RULES OF GENERAL APPLICATION Debt Collection § 201.204 Salary offset. (a) Notice requirements before offset where the Commission is the creditor...

19 CFR 201.204 - Salary offset.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 19 Customs Duties 3 2011-04-01 2011-04-01 false Salary offset. 201.204 Section 201.204 Customs Duties UNITED STATES INTERNATIONAL TRADE COMMISSION GENERAL RULES OF GENERAL APPLICATION Debt Collection § 201.204 Salary offset. (a) Notice requirements before offset where the Commission is the creditor...

19 CFR 201.204 - Salary offset.

Code of Federal Regulations, 2012 CFR

2012-04-01

... 19 Customs Duties 3 2012-04-01 2012-04-01 false Salary offset. 201.204 Section 201.204 Customs Duties UNITED STATES INTERNATIONAL TRADE COMMISSION GENERAL RULES OF GENERAL APPLICATION Debt Collection § 201.204 Salary offset. (a) Notice requirements before offset where the Commission is the creditor...

Topics in Finance Part IV--Valuation

ERIC Educational Resources Information Center

Laux, Judy

2010-01-01

This article looks at security valuation from the perspective of the financial manager, accenting the relationships to stockholder wealth maximization (SWM), risk and return, and potential agency problems. It also covers some of the pertinent literature related to how investors and creditors price the stocks and bonds of corporations.

12 CFR 1026.35 - Requirements for higher-priced mortgage loans.

Code of Federal Regulations, 2014 CFR

2014-01-01

...), established by the United States Department of Agriculture's Economic Research Service (USDA-ERS). A creditor.... (iii) National Registry means the database of information about State certified and licensed appraisers... appropriate, for each category. (v) National Registry means the database of information about State certified...

76 FR 11597 - Truth in Lending

Federal Register 2010, 2011, 2012, 2013, 2014

2011-03-02

... certain information regarding a mandatory escrow account at least three business days before consummation... creditor to disclose the information about escrow accounts specified in Sec. 226.19(f)(2)(i) when an escrow... disclosures avoids the anomalous result of a consumer receiving information about escrow accounts when an...

31 CFR 901.3 - Collection by administrative offset.

Code of Federal Regulations, 2010 CFR

2010-07-01

... more than 10 years after the Government's right to collect the debt first accrued, unless facts.... (b) Mandatory centralized administrative offset. (1) Creditor agencies are required to refer past due... has occurred to satisfy, in part or in full, a past due, legally enforceable delinquent debt. The...

12 CFR 220.3 - General provisions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... when cash or securities are used for purposes of meeting requirements in another account. (2... corrective action. (i) Foreign currency. (1) Freely convertible foreign currency may be treated at its U.S. dollar equivalent, provided the currency is marked-to-market daily. (2) A creditor may extend credit...

12 CFR 220.12 - Supplement: margin requirements.

Code of Federal Regulations, 2011 CFR

2011-01-01

... security, except for an exempted security, money market mutual fund or exempted securities mutual fund... occurs, whichever is greater. (b) Exempted security, non-equity security, money market mutual fund or exempted securities mutual fund: The margin required by the creditor in good faith or the percentage set by...

12 CFR 226.7 - Periodic statement.

Code of Federal Regulations, 2010 CFR

2010-01-01

...) Previous balance. The account balance outstanding at the beginning of the billing cycle. (b) Identification... balances to which it is applicable, 14 and the corresponding annual percentage rate. 15 If different..., the creditor shall disclose the fact that the periodic rate(s) may vary. (e) Balance on which finance...

16 CFR 310.4 - Abusive telemarketing acts or practices.

Code of Federal Regulations, 2014 CFR

2014-01-01

... to a settlement agreement, debt management plan, or other such valid contractual agreement executed by the customer; (B) The customer has made at least one payment pursuant to that settlement agreement, debt management plan, or other valid contractual agreement between the customer and the creditor or...

16 CFR 310.4 - Abusive telemarketing acts or practices.

Code of Federal Regulations, 2013 CFR

2013-01-01

... to a settlement agreement, debt management plan, or other such valid contractual agreement executed by the customer; (B) The customer has made at least one payment pursuant to that settlement agreement, debt management plan, or other valid contractual agreement between the customer and the creditor or...

16 CFR 310.4 - Abusive telemarketing acts or practices.

Code of Federal Regulations, 2012 CFR

2012-01-01

... to a settlement agreement, debt management plan, or other such valid contractual agreement executed by the customer; (B) The customer has made at least one payment pursuant to that settlement agreement, debt management plan, or other valid contractual agreement between the customer and the creditor or...

12 CFR 797.11 - Interest, administrative costs, and penalties.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Interest, administrative costs, and penalties... OPERATIONS OF THE NATIONAL CREDIT UNION ADMINISTRATION PROCEDURES FOR DEBT COLLECTION Administrative Offset § 797.11 Interest, administrative costs, and penalties. Where NCUA is the creditor agency, it shall...

5 CFR 838.103 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Court Orders § 838.103 Definitions. In this part (except subpart J)— Child abuse creditor means an individual who applies for benefits under CSRS or FERS based on a child abuse judgment enforcement order. Child abuse judgment enforcement order means a court or administrative order requiring OPM to pay a...

12 CFR 222.75 - Rules of construction.

Code of Federal Regulations, 2011 CFR

2011-01-01

... of an automobile. If the auto dealer is the person to whom the loan obligation is initially payable, such as where the auto dealer is the original creditor under a retail installment sales contract, the auto dealer must provide the risk-based pricing notice to the consumer (or satisfy the requirements for...

12 CFR 222.75 - Rules of construction.

Code of Federal Regulations, 2013 CFR

2013-01-01

... of an automobile. If the auto dealer is the person to whom the loan obligation is initially payable, such as where the auto dealer is the original creditor under a retail installment sales contract, the auto dealer must provide the risk-based pricing notice to the consumer (or satisfy the requirements for...

12 CFR 222.75 - Rules of construction.

Code of Federal Regulations, 2014 CFR

2014-01-01

... of an automobile. If the auto dealer is the person to whom the loan obligation is initially payable, such as where the auto dealer is the original creditor under a retail installment sales contract, the auto dealer must provide the risk-based pricing notice to the consumer (or satisfy the requirements for...

12 CFR 222.75 - Rules of construction.

Code of Federal Regulations, 2012 CFR

2012-01-01

... of an automobile. If the auto dealer is the person to whom the loan obligation is initially payable, such as where the auto dealer is the original creditor under a retail installment sales contract, the auto dealer must provide the risk-based pricing notice to the consumer (or satisfy the requirements for...

12 CFR 226.48 - Limitations on private education loans.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Limitations on private education loans. (a) Co-branding prohibited. (1) Except as provided in paragraph (b) of this section, a creditor, other than the covered educational institution itself, shall not use the name, emblem, mascot, or logo of a covered educational institution, or other words, pictures, or symbols...

42 CFR 422.350 - Basis, scope, and definitions.

Code of Federal Regulations, 2011 CFR

2011-10-01

... other creditors. Uncovered expenditures means those expenditures for health care services that are the... expenditures for health care services for which the organization is at risk, such as out-of-area services.... Engaged in the delivery of health care services means— (1) For an individual, that the individual directly...

42 CFR 422.350 - Basis, scope, and definitions.

Code of Federal Regulations, 2010 CFR

2010-10-01

... other creditors. Uncovered expenditures means those expenditures for health care services that are the... expenditures for health care services for which the organization is at risk, such as out-of-area services.... Engaged in the delivery of health care services means— (1) For an individual, that the individual directly...

15 CFR 19.1 - What definitions apply to the regulations in this Part?

Code of Federal Regulations, 2012 CFR

2012-01-01

... include, but is not limited to, the offset of Federal salary, vendor, retirement, and Social Security..., the U.S. Patent and Trademark Office, and the Technology Administration (including the National Institute of Standards and Technology, and the National Technical Information Service). Creditor agency...

15 CFR 19.1 - What definitions apply to the regulations in this Part?

Code of Federal Regulations, 2013 CFR

2013-01-01

... include, but is not limited to, the offset of Federal salary, vendor, retirement, and Social Security..., the U.S. Patent and Trademark Office, and the Technology Administration (including the National Institute of Standards and Technology, and the National Technical Information Service). Creditor agency...

15 CFR 19.1 - What definitions apply to the regulations in this Part?

Code of Federal Regulations, 2014 CFR

2014-01-01

... include, but is not limited to, the offset of Federal salary, vendor, retirement, and Social Security..., the U.S. Patent and Trademark Office, and the Technology Administration (including the National Institute of Standards and Technology, and the National Technical Information Service). Creditor agency...

12 CFR 226.4 - Finance charge.

Code of Federal Regulations, 2011 CFR

2011-01-01

...) of this section: (1) Interest, time price differential, and any amount payable under an add-on or... any charge imposed on a checking or other transaction account to the extent that the charge exceeds... other credit loss. (6) Charges imposed on a creditor by another person for purchasing or accepting a...

41 CFR 105-56.003 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-07-01

..., excluding Federal legal holidays. For purposes of computation, the last day of the period will be included unless it is a Federal legal holiday. (d) Creditor agency means any agency that is owed a debt, including... Columbia, American Samoa, Guam, the United States Virgin Islands, the Commonwealth of the Northern Mariana...

12 CFR 226.6 - Account-opening disclosures.

Code of Federal Regulations, 2013 CFR

2013-01-01

... received after the time period's expiration. (ii) A disclosure of each periodic rate that may be used to... effect(s) of an increase. When different periodic rates apply to different types of transactions, the types of transactions to which the periodic rates shall apply shall also be disclosed. A creditor is not...

12 CFR 226.6 - Account-opening disclosures.

Code of Federal Regulations, 2014 CFR

2014-01-01

... received after the time period's expiration. (ii) A disclosure of each periodic rate that may be used to... effect(s) of an increase. When different periodic rates apply to different types of transactions, the types of transactions to which the periodic rates shall apply shall also be disclosed. A creditor is not...

16 CFR 433.1 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... sale of goods or services to consumers on a deferred payment basis; Provided, such person is not acting... meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a... with the creditor by common control, contract, or business arrangement. (e) Financing a sale. Extending...

16 CFR 433.1 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... sale of goods or services to consumers on a deferred payment basis; Provided, such person is not acting... meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a... with the creditor by common control, contract, or business arrangement. (e) Financing a sale. Extending...

16 CFR 433.1 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... sale of goods or services to consumers on a deferred payment basis; Provided, such person is not acting... meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a... with the creditor by common control, contract, or business arrangement. (e) Financing a sale. Extending...

32 CFR 1697.2 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-07-01

... of the federal government. Creditor agency means the agency to which the debt is owed. Debt means an... agency as is defined at 5 U.S.C. 105 including the U.S. Postal Service and the U.S. Postal Rate... of real or personal property, overpayments, penalties, damages, interests, fines, forfeitures (except...

20 CFR 266.10 - Use of benefit payments.

Code of Federal Regulations, 2010 CFR

2010-04-01

... as expenditures for those items which will aid in the annuitant's recovery or release from the..., child, and/or parent. (d) Claims of creditors. Where a debt arose prior to the first month for which... daughter, who is the representative payee. The check was certified in February 1990. The nursing home...

10 CFR 16.3 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... COMMISSION SALARY OFFSET PROCEDURES FOR COLLECTING DEBTS OWED BY FEDERAL EMPLOYEES TO THE FEDERAL GOVERNMENT... Government to, or held by the Government for, a person to satisfy a debt the person owes the United States... of the match is to identify Federal employees who owe debt to the Federal Government. Creditor agency...

10 CFR 16.7 - Notice requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... inspect and copy government records pertaining to the debt or, if the employee or his or her... REGULATORY COMMISSION SALARY OFFSET PROCEDURES FOR COLLECTING DEBTS OWED BY FEDERAL EMPLOYEES TO THE FEDERAL GOVERNMENT § 16.7 Notice requirements. (a) If the NRC is the creditor agency, deductions will not be made...

5 CFR 838.103 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... Court Orders § 838.103 Definitions. In this part (except subpart J)— Child abuse creditor means an individual who applies for benefits under CSRS or FERS based on a child abuse judgment enforcement order. Child abuse judgment enforcement order means a court or administrative order requiring OPM to pay a...

5 CFR 838.103 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... Court Orders § 838.103 Definitions. In this part (except subpart J)— Child abuse creditor means an individual who applies for benefits under CSRS or FERS based on a child abuse judgment enforcement order. Child abuse judgment enforcement order means a court or administrative order requiring OPM to pay a...

5 CFR 838.103 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... Court Orders § 838.103 Definitions. In this part (except subpart J)— Child abuse creditor means an individual who applies for benefits under CSRS or FERS based on a child abuse judgment enforcement order. Child abuse judgment enforcement order means a court or administrative order requiring OPM to pay a...

5 CFR 838.103 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... Court Orders § 838.103 Definitions. In this part (except subpart J)— Child abuse creditor means an individual who applies for benefits under CSRS or FERS based on a child abuse judgment enforcement order. Child abuse judgment enforcement order means a court or administrative order requiring OPM to pay a...

49 CFR 1017.9 - Coordinating offset with another Federal agency.

Code of Federal Regulations, 2010 CFR

2010-10-01

... Federal agency. (a) The Board as creditor agency. When the Chief, Section of Financial Services... paying agency have been paid, the Chief, Section of Financial Services, may request from OPM, unless... is aware that the employee is entitled to money from the Civil Service Retirement and Disability Fund...

17 CFR 229.202 - (Item 202) Description of registrant's securities.

Code of Federal Regulations, 2012 CFR

2012-04-01

... creditors of the registrant; where debt securities are designated as subordinated in accordance with... practicable date that by the terms of such debt securities would be senior to such subordinated debt and... bondable property available as a basis for the issuance of bonds; provisions permitting the withdrawal of...

17 CFR 229.202 - (Item 202) Description of registrant's securities.

Code of Federal Regulations, 2014 CFR

2014-04-01

... creditors of the registrant; where debt securities are designated as subordinated in accordance with... practicable date that by the terms of such debt securities would be senior to such subordinated debt and... bondable property available as a basis for the issuance of bonds; provisions permitting the withdrawal of...

17 CFR 229.202 - (Item 202) Description of registrant's securities.

Code of Federal Regulations, 2013 CFR

2013-04-01

... creditors of the registrant; where debt securities are designated as subordinated in accordance with... practicable date that by the terms of such debt securities would be senior to such subordinated debt and... bondable property available as a basis for the issuance of bonds; provisions permitting the withdrawal of...

31 CFR 285.12 - Transfer of debts to Treasury for collection.

Code of Federal Regulations, 2010 CFR

2010-07-01

... impact the date of delinquency of a debt for other purposes such as for purposes of accruing interest and... agreement or instrument (including a post-delinquency payment agreement) unless other satisfactory payment... of delinquency through internal offset. A debt is being collected by internal offset if the creditor...

31 CFR 212.8 - Other rights and authorities.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 31 Money and Finance:Treasury 2 2012-07-01 2012-07-01 false Other rights and authorities. 212.8 Section 212.8 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FISCAL... shall be construed to limit an individual's right under Federal law to assert against a creditor a...

12 CFR 226.18 - Content of disclosures.

Code of Federal Regulations, 2010 CFR

2010-01-01

... the other payments in the series. (h) Total of payments. The total of payments, using that term, and a... creditor making the disclosures. (b) Amount financed. The amount financed, using that term, and a brief... identify those persons. 41 41 The following payees may be described using generic or other general terms...

12 CFR 220.1 - Authority, purpose, and scope.

Code of Federal Regulations, 2010 CFR

2010-01-01

... principal purpose is to regulate extensions of credit by brokers and dealers; it also covers related... account and four special purpose accounts in which to record all financial relations between a customer... part does not apply to: (i) Financial relations between a customer and a creditor to the extent that...

10 CFR 50.80 - Transfer of licenses.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 10 Energy 1 2010-01-01 2010-01-01 false Transfer of licenses. 50.80 Section 50.80 Energy NUCLEAR REGULATORY COMMISSION DOMESTIC LICENSING OF PRODUCTION AND UTILIZATION FACILITIES Transfers of Licenses-Creditors' Rights-Surrender of Licenses § 50.80 Transfer of licenses. (a) No license for a production or...

10 CFR 50.80 - Transfer of licenses.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 10 Energy 1 2011-01-01 2011-01-01 false Transfer of licenses. 50.80 Section 50.80 Energy NUCLEAR REGULATORY COMMISSION DOMESTIC LICENSING OF PRODUCTION AND UTILIZATION FACILITIES Transfers of Licenses-Creditors' Rights-Surrender of Licenses § 50.80 Transfer of licenses. (a) No license for a production or...

26 CFR 1.269-5 - Time of acquisition of control.

Code of Federal Regulations, 2011 CFR

2011-04-01

... 1.269-5 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Items Not Deductible § 1.269-5 Time of acquisition of control. (a) In... whether the creditors acquired control of Corporation L no earlier with the principal purpose of evasion...

77 FR 40702 - Submission for OMB Review; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2012-07-10

... burden, to (1) Office of Information and Regulatory Affairs, Office of Management and Budget, Attention... Estate. Form: PD F 3565. Abstract: Used by heirs of deceased owners of Retirement Plan and/ or Individual... Being Settled Without Administration. Form: PD F 1050. Abstract: Used to obtain creditors consent to...

12 CFR 1026.13 - Billing error resolution.

Code of Federal Regulations, 2013 CFR

2013-01-01

... paragraph (e) or (f) of this section, the following rules apply: (1) Consumer's right to withhold disputed amount; collection action prohibited. The consumer need not pay (and the creditor may not try to collect... restrict or close a consumer's account solely because the consumer has exercised in good faith rights...

12 CFR 1026.13 - Billing error resolution.

Code of Federal Regulations, 2014 CFR

2014-01-01

... paragraph (e) or (f) of this section, the following rules apply: (1) Consumer's right to withhold disputed amount; collection action prohibited. The consumer need not pay (and the creditor may not try to collect... restrict or close a consumer's account solely because the consumer has exercised in good faith rights...

12 CFR 226.13 - Billing error resolution.27

Code of Federal Regulations, 2012 CFR

2012-01-01

...) of this section, the following rules apply: (1) Consumer's right to withhold disputed amount; collection action prohibited. The consumer need not pay (and the creditor may not try to collect) any portion... restrict or close a consumer's account solely because the consumer has exercised in good faith rights...

12 CFR 226.13 - Billing error resolution.27

Code of Federal Regulations, 2011 CFR

2011-01-01

...) of this section, the following rules apply: (1) Consumer's right to withhold disputed amount; collection action prohibited. The consumer need not pay (and the creditor may not try to collect) any portion... restrict or close a consumer's account solely because the consumer has exercised in good faith rights...

12 CFR 1026.13 - Billing error resolution.

Code of Federal Regulations, 2012 CFR

2012-01-01

... paragraph (e) or (f) of this section, the following rules apply: (1) Consumer's right to withhold disputed amount; collection action prohibited. The consumer need not pay (and the creditor may not try to collect... restrict or close a consumer's account solely because the consumer has exercised in good faith rights...

16 CFR 680.21 - Affiliate marketing opt-out and exceptions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... creditor affiliates; the number and/or types of marketing communications that the service provider may send... communication. (iii) A credit card issuer makes a marketing call to the consumer without using eligibility... 16 Commercial Practices 1 2011-01-01 2011-01-01 false Affiliate marketing opt-out and exceptions...

41 CFR 105-56.018 - Salary offset.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 41 Public Contracts and Property Management 3 2010-07-01 2010-07-01 false Salary offset. 105-56... Administration 56-SALARY OFFSET FOR INDEBTEDNESS OF FEDERAL EMPLOYEES TO THE UNITED STATES Centralized Salary Offset (CSO) Procedures-GSA as Creditor Agency § 105-56.018 Salary offset. When a match occurs and all...

12 CFR 1704.29 - Coordinating salary offset with other agencies.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Coordinating salary offset with other agencies... HOUSING AND URBAN DEVELOPMENT OFHEO ORGANIZATION AND FUNCTIONS DEBT COLLECTION Salary Offset § 1704.29 Coordinating salary offset with other agencies. (a) Responsibility of OFHEO as the creditor agency. (1) OFHEO...

10 CFR 70.42 - Transfer of special nuclear material.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 10 Energy 2 2010-01-01 2010-01-01 false Transfer of special nuclear material. 70.42 Section 70.42 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) DOMESTIC LICENSING OF SPECIAL NUCLEAR MATERIAL Acquisition, Use and Transfer of Special Nuclear Material, Creditors' Rights § 70.42 Transfer of special...

10 CFR 70.41 - Authorized use of special nuclear material.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 10 Energy 2 2012-01-01 2012-01-01 false Authorized use of special nuclear material. 70.41 Section 70.41 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) DOMESTIC LICENSING OF SPECIAL NUCLEAR MATERIAL Acquisition, Use and Transfer of Special Nuclear Material, Creditors' Rights § 70.41 Authorized use of special...

10 CFR 70.41 - Authorized use of special nuclear material.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 10 Energy 2 2011-01-01 2011-01-01 false Authorized use of special nuclear material. 70.41 Section 70.41 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) DOMESTIC LICENSING OF SPECIAL NUCLEAR MATERIAL Acquisition, Use and Transfer of Special Nuclear Material, Creditors' Rights § 70.41 Authorized use of special...

10 CFR 70.42 - Transfer of special nuclear material.

Code of Federal Regulations, 2012 CFR

2012-01-01

... 10 Energy 2 2012-01-01 2012-01-01 false Transfer of special nuclear material. 70.42 Section 70.42 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) DOMESTIC LICENSING OF SPECIAL NUCLEAR MATERIAL Acquisition, Use and Transfer of Special Nuclear Material, Creditors' Rights § 70.42 Transfer of special...

10 CFR 70.42 - Transfer of special nuclear material.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 10 Energy 2 2011-01-01 2011-01-01 false Transfer of special nuclear material. 70.42 Section 70.42 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) DOMESTIC LICENSING OF SPECIAL NUCLEAR MATERIAL Acquisition, Use and Transfer of Special Nuclear Material, Creditors' Rights § 70.42 Transfer of special...

10 CFR 70.41 - Authorized use of special nuclear material.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 10 Energy 2 2014-01-01 2014-01-01 false Authorized use of special nuclear material. 70.41 Section 70.41 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) DOMESTIC LICENSING OF SPECIAL NUCLEAR MATERIAL Acquisition, Use and Transfer of Special Nuclear Material, Creditors' Rights § 70.41 Authorized use of special...

10 CFR 70.42 - Transfer of special nuclear material.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 10 Energy 2 2013-01-01 2013-01-01 false Transfer of special nuclear material. 70.42 Section 70.42 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) DOMESTIC LICENSING OF SPECIAL NUCLEAR MATERIAL Acquisition, Use and Transfer of Special Nuclear Material, Creditors' Rights § 70.42 Transfer of special...

10 CFR 70.42 - Transfer of special nuclear material.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 10 Energy 2 2014-01-01 2014-01-01 false Transfer of special nuclear material. 70.42 Section 70.42 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) DOMESTIC LICENSING OF SPECIAL NUCLEAR MATERIAL Acquisition, Use and Transfer of Special Nuclear Material, Creditors' Rights § 70.42 Transfer of special...

10 CFR 70.41 - Authorized use of special nuclear material.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 10 Energy 2 2013-01-01 2013-01-01 false Authorized use of special nuclear material. 70.41 Section 70.41 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) DOMESTIC LICENSING OF SPECIAL NUCLEAR MATERIAL Acquisition, Use and Transfer of Special Nuclear Material, Creditors' Rights § 70.41 Authorized use of special...

10 CFR 70.41 - Authorized use of special nuclear material.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 10 Energy 2 2010-01-01 2010-01-01 false Authorized use of special nuclear material. 70.41 Section 70.41 Energy NUCLEAR REGULATORY COMMISSION (CONTINUED) DOMESTIC LICENSING OF SPECIAL NUCLEAR MATERIAL Acquisition, Use and Transfer of Special Nuclear Material, Creditors' Rights § 70.41 Authorized use of special...

16 CFR 435.2 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... order, or authorization from the buyer to charge an existing charge account, the time at which the... absence of any remaining charge incurred as a result of the sale from the buyer's account; (ii) And a... creditor which will remove the charge from the buyer's account or a statement from the seller acknowledging...

43 CFR 4.201 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-10-01

... means a person who is deceased. Decision or order (or decision and order) means: (1) A written document issued by a judge making determinations as to heirs, wills, devisees, and the claims of creditors, and ordering distribution of trust or restricted land or trust personalty; (2) The decision issued by an...

16 CFR 444.1 - Definitions.

Code of Federal Regulations, 2010 CFR

2010-01-01

.... A person who engages in the business of lending money to consumers within the jurisdiction of the.... (d) Consumer. A natural person who seeks or acquires goods, services, or money for personal, family... seller. (f) Creditor. A lender or a retail installment seller. (g) Debt. Money that is due or alleged to...

29 CFR 20.78 - Notifications.

Code of Federal Regulations, 2011 CFR

2011-07-01

... designee) of the creditor Labor Department agency shall send appropriate written demands to the debtor in... written demands at not more than 30-day intervals will normally be made unless a response to the first or second demand indicates that a further demand would be futile and the debtor's response does not require...

29 CFR 20.78 - Notifications.

Code of Federal Regulations, 2010 CFR

2010-07-01

... designee) of the creditor Labor Department agency shall send appropriate written demands to the debtor in... written demands at not more than 30-day intervals will normally be made unless a response to the first or second demand indicates that a further demand would be futile and the debtor's response does not require...

12 CFR 232.1 - Scope, General Prohibition and Definitions

Code of Federal Regulations, 2014 CFR

2014-01-01

... continued eligibility, for credit, except as provided in this section. (c) Definitions. (1) Consumer means an individual. (2) Credit has the same meaning as in section 702 of the Equal Credit Opportunity Act, 15 U.S.C. 1691a. (3) Creditor has the same meaning as in section 702 of the Equal Credit Opportunity...

12 CFR 220.6 - Good faith account.

Code of Federal Regulations, 2013 CFR

2013-01-01

... 12 Banks and Banking 3 2013-01-01 2013-01-01 false Good faith account. 220.6 Section 220.6 Banks... (CONTINUED) CREDIT BY BROKERS AND DEALERS (REGULATION T) § 220.6 Good faith account. In a good faith account...: (a) Securities entitled to good faith margin—(1) Permissible transactions. A creditor may effect and...

12 CFR 220.6 - Good faith account.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 12 Banks and Banking 3 2014-01-01 2014-01-01 false Good faith account. 220.6 Section 220.6 Banks... (CONTINUED) CREDIT BY BROKERS AND DEALERS (REGULATION T) § 220.6 Good faith account. In a good faith account...: (a) Securities entitled to good faith margin—(1) Permissible transactions. A creditor may effect and...

10 CFR 16.9 - Hearing.

Code of Federal Regulations, 2014 CFR

2014-01-01

... 10 Energy 1 2014-01-01 2014-01-01 false Hearing. 16.9 Section 16.9 Energy NUCLEAR REGULATORY... § 16.9 Hearing. (a) Request for hearing. (1) An employee shall file a petition for a hearing in... creditor agency, a hearing may be requested by filing a written petition stating why the employee disputes...

12 CFR 220.7 - Broker-dealer credit account.

Code of Federal Regulations, 2010 CFR

2010-01-01

... with the following provisions. (b) Purchase or sale of security against full payment. A creditor may... apart from the subordinated loan; or (ii) Will not use the proceeds of the loan to increase the amount... sales effected will be short sales made on behalf of the customers of the broker or dealer other than...

16 CFR 640.6 - Rules of construction.

Code of Federal Regulations, 2011 CFR

2011-01-01

... credit to finance the purchase of an automobile. If the auto dealer is the person to whom the loan obligation is initially payable, such as where the auto dealer is the original creditor under a retail installment sales contract, the auto dealer must provide the risk-based pricing notice to the consumer (or...

16 CFR 640.6 - Rules of construction.

Code of Federal Regulations, 2014 CFR

2014-01-01

... credit to finance the purchase of an automobile. If the auto dealer is the person to whom the loan obligation is initially payable, such as where the auto dealer is the original creditor under a retail installment sales contract, the auto dealer must provide the risk-based pricing notice to the consumer (or...

16 CFR 640.6 - Rules of construction.

Code of Federal Regulations, 2013 CFR

2013-01-01

... credit to finance the purchase of an automobile. If the auto dealer is the person to whom the loan obligation is initially payable, such as where the auto dealer is the original creditor under a retail installment sales contract, the auto dealer must provide the risk-based pricing notice to the consumer (or...

16 CFR 640.6 - Rules of construction.

Code of Federal Regulations, 2012 CFR

2012-01-01

... credit to finance the purchase of an automobile. If the auto dealer is the person to whom the loan obligation is initially payable, such as where the auto dealer is the original creditor under a retail installment sales contract, the auto dealer must provide the risk-based pricing notice to the consumer (or...

32 CFR 232.9 - Penalties and remedies.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 32 National Defense 2 2010-07-01 2010-07-01 false Penalties and remedies. 232.9 Section 232.9... Penalties and remedies. (a) Misdemeanor. A creditor or assignee who knowingly violates 10 U.S.C. 987 as... more than one year, or both. (b) Preservation of other remedies. The remedies and rights provided under...

32 CFR 232.9 - Penalties and remedies.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 32 National Defense 2 2011-07-01 2011-07-01 false Penalties and remedies. 232.9 Section 232.9... Penalties and remedies. (a) Misdemeanor. A creditor or assignee who knowingly violates 10 U.S.C. 987 as... more than one year, or both. (b) Preservation of other remedies. The remedies and rights provided under...

12 CFR Appendix J to Part 41 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2010 CFR

2010-01-01

... risks to customers or to the safety and soundness of the financial institution or creditor from identity... unusual use of, or other suspicious activity related to, a covered account; and (5) Notice from customers... policies and procedures regarding identification and verification set forth in the Customer Identification...

16 CFR Appendix A to Part 681 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2010 CFR

2010-01-01

... risks to customers or to the safety and soundness of the financial institution or creditor from identity... unusual use of, or other suspicious activity related to, a covered account; and (5) Notice from customers... policies and procedures regarding identification and verification set forth in the Customer Identification...

12 CFR 571.90 - Duties regarding the detection, prevention, and mitigation of identity theft.

Code of Federal Regulations, 2010 CFR

2010-01-01

... section and appendix J, the following definitions apply: (1) Account means a continuing relationship... board of directors, a designated employee at the level of senior management. (3) Covered account means... institution or creditor offers or maintains for which there is a reasonably foreseeable risk to customers or...

26 CFR 1.595-1 - Treatment of foreclosed property by certain creditors.

Code of Federal Regulations, 2013 CFR

2013-04-01

... held for productive use or for investment), or section 1033 (relating to involuntary conversions). For... acquisition, X incurs expenses totaling $500 for maintenance, and during the period June 1 through September 30, 1964, rents the property for a total rental of $400. Under local law, X is accountable to A for...

26 CFR 1.595-1 - Treatment of foreclosed property by certain creditors.

Code of Federal Regulations, 2011 CFR

2011-04-01

... held for productive use or for investment), or section 1033 (relating to involuntary conversions). For... acquisition, X incurs expenses totaling $500 for maintenance, and during the period June 1 through September 30, 1964, rents the property for a total rental of $400. Under local law, X is accountable to A for...

26 CFR 1.595-1 - Treatment of foreclosed property by certain creditors.

Code of Federal Regulations, 2010 CFR

2010-04-01

... held for productive use or for investment), or section 1033 (relating to involuntary conversions). For... acquisition, X incurs expenses totaling $500 for maintenance, and during the period June 1 through September 30, 1964, rents the property for a total rental of $400. Under local law, X is accountable to A for...

26 CFR 1.595-1 - Treatment of foreclosed property by certain creditors.

Code of Federal Regulations, 2012 CFR

2012-04-01

... held for productive use or for investment), or section 1033 (relating to involuntary conversions). For... acquisition, X incurs expenses totaling $500 for maintenance, and during the period June 1 through September 30, 1964, rents the property for a total rental of $400. Under local law, X is accountable to A for...

26 CFR 1.595-1 - Treatment of foreclosed property by certain creditors.

Code of Federal Regulations, 2014 CFR

2014-04-01

... held for productive use or for investment), or section 1033 (relating to involuntary conversions). For... acquisition, X incurs expenses totaling $500 for maintenance, and during the period June 1 through September 30, 1964, rents the property for a total rental of $400. Under local law, X is accountable to A for...

25 CFR 513.37 - What will the Commission do as the paying agency?

Code of Federal Regulations, 2010 CFR

2010-04-01

... 25 Indians 2 2010-04-01 2010-04-01 false What will the Commission do as the paying agency? 513.37 Section 513.37 Indians NATIONAL INDIAN GAMING COMMISSION, DEPARTMENT OF THE INTERIOR GENERAL PROVISIONS... of salary offset to a creditor agency. (e) The Commission will coordinate salary deductions under...

78 FR 10233 - Self-Regulatory Organizations; NYSE Arca, Inc.; Notice of Filing of Proposed Rule Change Relating...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-02-13

... fundamental credit analysis in an effort to attempt to minimize the loss of the Portfolio's capital.\\11\\ The..., insurance companies or finance companies (or their affiliates). Such companies may be especially susceptible... generally repaid before unsecured bank loans, corporate bonds, subordinated debt, trade creditors, and...

12 CFR 202.12 - Record retention.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Record retention. 202.12 Section 202.12 Banks... OPPORTUNITY ACT (REGULATION B) § 202.12 Record retention. (a) Retention of prohibited information. A creditor...) Applications. For 25 months (12 months for business credit, except as provided in paragraph (b)(5) of this...

12 CFR 1026.9 - Subsequent disclosure requirements.

Code of Federal Regulations, 2012 CFR

2012-01-01

... nor more than 18 months, either to all consumers or to each consumer entitled to receive a periodic... alternative to paragraph (a)(1) of this section, the creditor may mail or deliver, on or with each periodic... front of the page containing the checks the following terms in the form of a table with the headings...

12 CFR 1026.9 - Subsequent disclosure requirements.

Code of Federal Regulations, 2014 CFR

2014-01-01

... nor more than 18 months, either to all consumers or to each consumer entitled to receive a periodic... alternative to paragraph (a)(1) of this section, the creditor may mail or deliver, on or with each periodic... front of the page containing the checks the following terms in the form of a table with the headings...

12 CFR 1026.9 - Subsequent disclosure requirements.

Code of Federal Regulations, 2013 CFR

2013-01-01

... nor more than 18 months, either to all consumers or to each consumer entitled to receive a periodic... alternative to paragraph (a)(1) of this section, the creditor may mail or deliver, on or with each periodic... front of the page containing the checks the following terms in the form of a table with the headings...

42 CFR 401.601 - Basis and scope.

Code of Federal Regulations, 2010 CFR

2010-10-01

... the General Accounting Office for the compromise of claims, or the suspension or termination of...) Affect any rights that CMS may have under common law as a creditor. (f) Fraud. The regulations in this subpart do not apply to claims in which there is an indication of fraud, the presentation of a false claim...

12 CFR 226.1 - Authority, purpose, coverage, organization, enforcement and liability.

Code of Federal Regulations, 2010 CFR

2010-01-01

... consumer's principal dwelling, regulates certain credit card practices, and provides a means for fair and... definition of creditor in § 226.2(a). (2) If a credit card is involved, however, certain provisions apply... than 4 installments, or if the credit card is to be used for business purposes. (3) In addition...

Consumer Credit Card Use: The Roles of Creditor Disclosure and Anticipated Emotion

ERIC Educational Resources Information Center

Wiener, Richard L.; Holtje, Michael; Winter, Ryan J.; Cantone, Jason A.; Gross, Karen; Block-Lieb, Susan

2007-01-01

In response to federal legislative reform aimed, in part, at reducing consumer bankruptcy filings, the authors conducted 2 experiments examining the role of affect in purchasing behavior. In Experiment 1, they examined consumer debtors, and in Experiment 2, they examined nondebtors. In both experiments, they investigated purchasing decisions made…

What Truth in Lending Means to You.

ERIC Educational Resources Information Center

Board of Governors of the Federal Reserve System, Washington, DC.

Designed for the general public and possibly suitable also for high school economics students, this pamphlet discusses the provisions of the Truth in Lending Law. The act requires that creditors state credit charges in a uniform way. The pamphlet provides a brief description of finance charges and annual percentage rates. It also focuses on…

7 CFR 762.149 - Liquidation.

Code of Federal Regulations, 2012 CFR

2012-01-01

... farmer-creditor mediation program; and (3) Not agree to any proposals to rewrite the terms of a... action will be pursued. If the lender does not pursue the recovery, the reason must be documented when an... recovery value of the security as defined in § 762.102. The appraisal requirement may be waived by the...

7 CFR 762.149 - Liquidation.

Code of Federal Regulations, 2013 CFR

2013-01-01

... farmer-creditor mediation program; and (3) Not agree to any proposals to rewrite the terms of a... action will be pursued. If the lender does not pursue the recovery, the reason must be documented when an... recovery value of the security as defined in § 762.102. The appraisal requirement may be waived by the...

7 CFR 762.149 - Liquidation.

Code of Federal Regulations, 2011 CFR

2011-01-01

... farmer-creditor mediation program; and (3) Not agree to any proposals to rewrite the terms of a... action will be pursued. If the lender does not pursue the recovery, the reason must be documented when an... recovery value of the security as defined in § 762.102. The appraisal requirement may be waived by the...

32 CFR 232.4 - Terms of consumer credit extended to covered borrowers.

Code of Federal Regulations, 2012 CFR

2012-07-01

... 32 National Defense 2 2012-07-01 2012-07-01 false Terms of consumer credit extended to covered... DEFENSE (CONTINUED) MISCELLANEOUS LIMITATIONS ON TERMS OF CONSUMER CREDIT EXTENDED TO SERVICE MEMBERS AND DEPENDENTS § 232.4 Terms of consumer credit extended to covered borrowers. (a) Neither a creditor who extends...

32 CFR 232.4 - Terms of consumer credit extended to covered borrowers.

Code of Federal Regulations, 2011 CFR

2011-07-01

... 32 National Defense 2 2011-07-01 2011-07-01 false Terms of consumer credit extended to covered... DEFENSE (CONTINUED) MISCELLANEOUS LIMITATIONS ON TERMS OF CONSUMER CREDIT EXTENDED TO SERVICE MEMBERS AND DEPENDENTS § 232.4 Terms of consumer credit extended to covered borrowers. (a) Neither a creditor who extends...

32 CFR 232.4 - Terms of consumer credit extended to covered borrowers.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 32 National Defense 2 2010-07-01 2010-07-01 false Terms of consumer credit extended to covered... DEFENSE (CONTINUED) MISCELLANEOUS LIMITATIONS ON TERMS OF CONSUMER CREDIT EXTENDED TO SERVICE MEMBERS AND DEPENDENTS § 232.4 Terms of consumer credit extended to covered borrowers. (a) Neither a creditor who extends...

12 CFR 202.5 - Rules concerning requests for information.

Code of Federal Regulations, 2010 CFR

2010-01-01

... origin, or sex. A creditor shall not inquire about the race, color, religion, national origin, or sex of..., religion, national origin, or sex of an applicant or any other person in connection with a credit... person. (2) Sex. An applicant may be requested to designate a title on an application form (such as Ms...

12 CFR 202.5 - Rules concerning requests for information.

Code of Federal Regulations, 2014 CFR

2014-01-01

... origin, or sex. A creditor shall not inquire about the race, color, religion, national origin, or sex of..., religion, national origin, or sex of an applicant or any other person in connection with a credit... person. (2) Sex. An applicant may be requested to designate a title on an application form (such as Ms...

12 CFR 202.5 - Rules concerning requests for information.

Code of Federal Regulations, 2013 CFR

2013-01-01

... origin, or sex. A creditor shall not inquire about the race, color, religion, national origin, or sex of..., religion, national origin, or sex of an applicant or any other person in connection with a credit... person. (2) Sex. An applicant may be requested to designate a title on an application form (such as Ms...

12 CFR 202.5 - Rules concerning requests for information.

Code of Federal Regulations, 2011 CFR

2011-01-01

... origin, or sex. A creditor shall not inquire about the race, color, religion, national origin, or sex of..., religion, national origin, or sex of an applicant or any other person in connection with a credit... person. (2) Sex. An applicant may be requested to designate a title on an application form (such as Ms...

12 CFR 202.5 - Rules concerning requests for information.

Code of Federal Regulations, 2012 CFR

2012-01-01

... origin, or sex. A creditor shall not inquire about the race, color, religion, national origin, or sex of..., religion, national origin, or sex of an applicant or any other person in connection with a credit... person. (2) Sex. An applicant may be requested to designate a title on an application form (such as Ms...

32 CFR 232.1 - Authority, purpose, and coverage.

Code of Federal Regulations, 2010 CFR

2010-07-01

... consumer credit; (2) Requires creditors to disclose to covered borrowers the cost of the transaction as a... implement 10 U.S.C. 987. (b) Purpose. The purpose of this part is to impose limitations on the cost and... provide additional consumer disclosures for such transactions. (c) Coverage. This part defines the types...

10 CFR 16.9 - Hearing.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 10 Energy 1 2010-01-01 2010-01-01 false Hearing. 16.9 Section 16.9 Energy NUCLEAR REGULATORY... § 16.9 Hearing. (a) Request for hearing. (1) An employee shall file a petition for a hearing in... creditor agency, a hearing may be requested by filing a written petition stating why the employee disputes...

12 CFR 226.11 - Treatment of credit balances; account termination.

Code of Federal Regulations, 2011 CFR

2011-01-01

... 12 Banks and Banking 3 2011-01-01 2011-01-01 false Treatment of credit balances; account... credit balances; account termination. (a) Credit balances. When a credit balance in excess of $1 is created on a credit account (through transmittal of funds to a creditor in excess of the total balance due...

19 CFR 24.70 - Claims; deceased or incompetent public creditors.

Code of Federal Regulations, 2012 CFR

2012-04-01

... deceased importers or owners of merchandise on account of refunds of excessive duties, or taxes, or for... court, but should be supported by a statement that the appointment is still in full force and effect... at whose order the articles were furnished or services performed. Claims for refunds of excessive...

19 CFR 24.70 - Claims; deceased or incompetent public creditors.

Code of Federal Regulations, 2010 CFR

2010-04-01

... deceased importers or owners of merchandise on account of refunds of excessive duties, or taxes, or for... court, but should be supported by a statement that the appointment is still in full force and effect... at whose order the articles were furnished or services performed. Claims for refunds of excessive...

19 CFR 24.70 - Claims; deceased or incompetent public creditors.

Code of Federal Regulations, 2014 CFR

2014-04-01

... deceased importers or owners of merchandise on account of refunds of excessive duties, or taxes, or for... court, but should be supported by a statement that the appointment is still in full force and effect... at whose order the articles were furnished or services performed. Claims for refunds of excessive...

19 CFR 24.70 - Claims; deceased or incompetent public creditors.

Code of Federal Regulations, 2013 CFR

2013-04-01

... deceased importers or owners of merchandise on account of refunds of excessive duties, or taxes, or for... court, but should be supported by a statement that the appointment is still in full force and effect... at whose order the articles were furnished or services performed. Claims for refunds of excessive...

12 CFR 226.13 - Billing error resolution. 27

Code of Federal Regulations, 2010 CFR

2010-01-01

... statement of a computational or similar error of an accounting nature that is made by the creditor. (6) A... least 20 days before the end of the billing cycle for which the statement was required. (b) Billing... applicable, within 2 complete billing cycles (but in no event later than 90 days) after receiving a billing...

77 FR 20123 - Proposed Collection of Information: Claims Against the United States for Amounts Due in the Case...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-04-03

... United States for Amounts Due in the Case of a Deceased Creditor AGENCY: Financial Management Service, Fiscal Service, Treasury. ACTION: Notice and request for comments. SUMMARY: The Financial Management... collection. By this notice, the Financial Management Service solicits comments concerning ``Claims Against...

12 CFR 650.70 - Powers and duties of the conservator.

Code of Federal Regulations, 2010 CFR

2010-01-01

... Credit Administration Board may direct. (b) The conservator shall exercise all powers necessary to... operations for the benefit of the creditors and stockholders of the Corporation. (d) The conservator may exercise the powers that a receiver of the Corporation may exercise under any of the provisions of § 650.56...

12 CFR 627.2780 - Powers and duties of conservators.

Code of Federal Regulations, 2010 CFR

2010-01-01

... operations for the benefit of the creditors and stockholders of the institution. (b) The conservator may, with respect to Farm Credit institutions, exercise the powers that a receiver of an institution may exercise under any of the provisions of § 627.2725(b) of this part, except paragraphs § 627.2725 (b)(2) and...

76 FR 71255 - Application of Section 108(e)(8) to Indebtedness Satisfied by a Partnership Interest

Federal Register 2010, 2011, 2012, 2013, 2014

2011-11-17

..., Deputy Commissioner for Services and Enforcement. Approved: November 8, 2011. Emily S. McMahon, Acting... partnership's indebtedness. The final regulations also address the application of section 721 to a contribution of a partnership's recourse or nonrecourse indebtedness by a creditor to the partnership in...

36 CFR 1201.33 - How will NARA coordinate salary offsets with other agencies?

Code of Federal Regulations, 2010 CFR

2010-07-01

... salary offsets with other agencies? 1201.33 Section 1201.33 Parks, Forests, and Public Property NATIONAL ARCHIVES AND RECORDS ADMINISTRATION GENERAL RULES COLLECTION OF CLAIMS Salary Offset § 1201.33 How will NARA coordinate salary offsets with other agencies? (a) Responsibilities of NARA as the creditor agency...

12 CFR 1022.21 - Affiliate marketing opt-out and exceptions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... about its home equity loan products. The creditor does not have a pre-existing business relationship... relationship with the consumer; or (ii) As part of a joint notice from two or more members of an affiliated... previously had a pre-existing business relationship with the consumer. (b) Making solicitations—(1) In...

12 CFR 391.23 - Duties of card issuers regarding changes of address.

Code of Federal Regulations, 2012 CFR

2012-01-01

... detect relevant Red Flags that may arise in the performance of the service provider's activities, and... or creditor detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of..., App. Appendix to Subpart C of Part 391—Interagency Guidelines on Identity Theft Detection, Prevention...

12 CFR Appendix J to Part 571 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2013 CFR

2013-01-01

.... III. Detecting Red Flags The Program's policies and procedures should address the detection of Red... detect relevant Red Flags that may arise in the performance of the service provider's activities, and... or creditor detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of...

16 CFR Appendix A to Part 681 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2011 CFR

2011-01-01

... covered accounts the financial institution or creditor should take steps to ensure that the activity of... detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of information to... Detection, Prevention, and Mitigation A Appendix A to Part 681 Commercial Practices FEDERAL TRADE COMMISSION...

16 CFR Appendix A to Part 681 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2012 CFR

2012-01-01

... covered accounts the financial institution or creditor should take steps to ensure that the activity of... detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of information to... Detection, Prevention, and Mitigation A Appendix A to Part 681 Commercial Practices FEDERAL TRADE COMMISSION...

16 CFR Appendix A to Part 681 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2013 CFR

2013-01-01

... covered accounts the financial institution or creditor should take steps to ensure that the activity of... detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of information to... Detection, Prevention, and Mitigation A Appendix A to Part 681 Commercial Practices FEDERAL TRADE COMMISSION...

17 CFR Appendix B to Part 162 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2014 CFR

2014-04-01

... detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of information to... Identity Theft Detection, Prevention, and Mitigation B Appendix B to Part 162 Commodity and Securities... Detection, Prevention, and Mitigation Section 162.30 requires each financial institution or creditor that...

16 CFR Appendix A to Part 681 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2014 CFR

2014-01-01

... covered accounts the financial institution or creditor should take steps to ensure that the activity of... detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of information to... Detection, Prevention, and Mitigation A Appendix A to Part 681 Commercial Practices FEDERAL TRADE COMMISSION...

12 CFR Appendix J to Part 171 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2014 CFR

2014-01-01

.... III. Detecting Red Flags The Program's policies and procedures should address the detection of Red... detect relevant Red Flags that may arise in the performance of the service provider's activities, and... or creditor detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of...

12 CFR Appendix J to Part 171 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2012 CFR

2012-01-01

.... III. Detecting Red Flags The Program's policies and procedures should address the detection of Red... detect relevant Red Flags that may arise in the performance of the service provider's activities, and... or creditor detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of...

12 CFR Appendix J to Part 571 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2012 CFR

2012-01-01

.... III. Detecting Red Flags The Program's policies and procedures should address the detection of Red... detect relevant Red Flags that may arise in the performance of the service provider's activities, and... or creditor detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of...

12 CFR Appendix J to Part 571 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2014 CFR

2014-01-01

.... III. Detecting Red Flags The Program's policies and procedures should address the detection of Red... detect relevant Red Flags that may arise in the performance of the service provider's activities, and... or creditor detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of...

12 CFR Appendix J to Part 571 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2011 CFR

2011-01-01

.... III. Detecting Red Flags The Program's policies and procedures should address the detection of Red... detect relevant Red Flags that may arise in the performance of the service provider's activities, and... or creditor detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of...

12 CFR Appendix J to Part 171 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2013 CFR

2013-01-01

.... III. Detecting Red Flags The Program's policies and procedures should address the detection of Red... detect relevant Red Flags that may arise in the performance of the service provider's activities, and... or creditor detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of...

12 CFR 1022.21 - Affiliate marketing opt-out and exceptions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... about its home equity loan products. The creditor does not have a pre-existing business relationship... relationship with the consumer; or (ii) As part of a joint notice from two or more members of an affiliated... previously had a pre-existing business relationship with the consumer. (b) Making solicitations—(1) In...

12 CFR 1022.21 - Affiliate marketing opt-out and exceptions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... about its home equity loan products. The creditor does not have a pre-existing business relationship... relationship with the consumer; or (ii) As part of a joint notice from two or more members of an affiliated... previously had a pre-existing business relationship with the consumer. (b) Making solicitations. (1) In...

The response of public and private credit markets to typhoons in China

NASA Astrophysics Data System (ADS)

Bao, X.; Hsiang, S. M.

2011-12-01

When natural disasters strike, both public and private credit markets may finance the reconstruction of lost capital. We examine the response of public and private credit markets to cyclone events in China, using provincial fiscal data from 1978 to 2008, and find striking differences in the sectors targeted by public and private creditors. Following a cyclone event, public loans to the agricultural sector expand 2% for every additional 10 m/s in local wind exposure, while private loans to industrial and commercial sectors grow 7% for the same event. In addition, we find that these expansions to local credit markets persist at these levels for at least one year following exposure to a storm. We then demonstrate that these results are consistent with a model in which private creditors maximize profits and the government maximizes equity. In this stylized model, we show that when governments value short-term equity and finance risky sectors with plausibly negative net present value, this may have the perverse effect of encouraging populations and capital to remain in disaster-prone regions and lower equity in the long-run.

12 CFR 232.1 - Scope, General Prohibition and Definitions

Code of Federal Regulations, 2010 CFR

2010-01-01

... eligibility, for credit, except as provided in this section. (c) Definitions. (1) Consumer means an individual. (2) Credit has the same meaning as in section 702 of the Equal Credit Opportunity Act, 15 U.S.C. 1691a. (3) Creditor has the same meaning as in section 702 of the Equal Credit Opportunity Act, 15 U.S.C...

Early Colleges at Scale: Impacts on Secondary and Postsecondary Outcomes

ERIC Educational Resources Information Center

Lauen, Douglas L.; Fuller, Sarah; Barrett, Nathan; Janda, Ludmila

2017-01-01

We examine the impacts of early college high schools, small schools of choice located on college campuses. These schools provide a no-cost opportunity for students to earn college credit--or a 2-year degree--while in high school. Using rich administrative data on multiple cohorts of students and quasiexperimental methods informed by the…

12 CFR 590.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Code of Federal Regulations, 2010 CFR

2010-01-01

... first lien on a residential mobile home if a creditor covered by this part complies with the consumer... the final scheduled installment. (g) Deferral fees. (1) With respect to mobile home credit... money order; do not send cash. [54 FR 49715, Nov. 30, 1989, as amended at 61 FR 50984, Sept. 30, 1996...

12 CFR 590.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... first lien on a residential mobile home if a creditor covered by this part complies with the consumer... the final scheduled installment. (g) Deferral fees. (1) With respect to mobile home credit... money order; do not send cash. [54 FR 49715, Nov. 30, 1989, as amended at 61 FR 50984, Sept. 30, 1996...

12 CFR 590.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... first lien on a residential mobile home if a creditor covered by this part complies with the consumer... the final scheduled installment. (g) Deferral fees. (1) With respect to mobile home credit... money order; do not send cash. [54 FR 49715, Nov. 30, 1989, as amended at 61 FR 50984, Sept. 30, 1996...

12 CFR 590.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Code of Federal Regulations, 2011 CFR

2011-01-01

... first lien on a residential mobile home if a creditor covered by this part complies with the consumer... the final scheduled installment. (g) Deferral fees. (1) With respect to mobile home credit... money order; do not send cash. [54 FR 49715, Nov. 30, 1989, as amended at 61 FR 50984, Sept. 30, 1996...

12 CFR 590.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... first lien on a residential mobile home if a creditor covered by this part complies with the consumer... the final scheduled installment. (g) Deferral fees. (1) With respect to mobile home credit... money order; do not send cash. [54 FR 49715, Nov. 30, 1989, as amended at 61 FR 50984, Sept. 30, 1996...

12 CFR Appendix J to Part 571 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2010 CFR

2010-01-01

... foreseeable risks to customers or to the safety and soundness of the financial institution or creditor from...) Notice from customers, victims of identity theft, law enforcement authorities, or other persons regarding... the Customer Identification Program rules implementing 31 U.S.C. 5318(l) (31 CFR 103.121); and (b...

10 CFR 50.81 - Creditor regulations.

Code of Federal Regulations, 2014 CFR

2014-01-01

... provided by law. (d) As used in this section: (1) License includes any license under this chapter, any construction permit under this part, and any early site permit under part 52 of this chapter, which may be... limited to, a site which is the subject of an early site permit under subpart A of part 52 of this chapter...

10 CFR 50.81 - Creditor regulations.

Code of Federal Regulations, 2010 CFR

2010-01-01

... provided by law. (d) As used in this section: (1) License includes any license under this chapter, any construction permit under this part, and any early site permit under part 52 of this chapter, which may be... limited to, a site which is the subject of an early site permit under subpart A of part 52 of this chapter...

10 CFR 50.81 - Creditor regulations.

Code of Federal Regulations, 2012 CFR

2012-01-01

... provided by law. (d) As used in this section: (1) License includes any license under this chapter, any construction permit under this part, and any early site permit under part 52 of this chapter, which may be... limited to, a site which is the subject of an early site permit under subpart A of part 52 of this chapter...

10 CFR 50.81 - Creditor regulations.

Code of Federal Regulations, 2011 CFR

2011-01-01

... provided by law. (d) As used in this section: (1) License includes any license under this chapter, any construction permit under this part, and any early site permit under part 52 of this chapter, which may be... limited to, a site which is the subject of an early site permit under subpart A of part 52 of this chapter...

10 CFR 50.81 - Creditor regulations.

Code of Federal Regulations, 2013 CFR

2013-01-01

... provided by law. (d) As used in this section: (1) License includes any license under this chapter, any construction permit under this part, and any early site permit under part 52 of this chapter, which may be... limited to, a site which is the subject of an early site permit under subpart A of part 52 of this chapter...

45 CFR 607.7 - Coordinating offset with another Federal agency.

Code of Federal Regulations, 2010 CFR

2010-10-01

... 45 Public Welfare 3 2010-10-01 2010-10-01 false Coordinating offset with another Federal agency. 607.7 Section 607.7 Public Welfare Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION SALARY OFFSET § 607.7 Coordinating offset with another Federal agency. (a) When the NSF is the creditor agency and the Chief Financial...

45 CFR 607.7 - Coordinating offset with another Federal agency.

Code of Federal Regulations, 2011 CFR

2011-10-01

... 45 Public Welfare 3 2011-10-01 2011-10-01 false Coordinating offset with another Federal agency. 607.7 Section 607.7 Public Welfare Regulations Relating to Public Welfare (Continued) NATIONAL SCIENCE FOUNDATION SALARY OFFSET § 607.7 Coordinating offset with another Federal agency. (a) When the NSF is the creditor agency and the Chief Financial...

Educational Debt Burden: Law School Assistance Programs--A Review of Existing Programs and a Proposed New Approach.

ERIC Educational Resources Information Center

Vernon, David H.

1989-01-01

The paper reviews and critiques the 13 existing (1987) law school assistance programs and proposes a national repayment-assistance debt-forgiveness program which would involve an income-contingent repayment "tax" coupled with an assurance to creditors of repayment by means of a "guarantee" or "insurance" fund. (DB)

12 CFR 220.117 - Exception to 90-day rule in special cash account.

Code of Federal Regulations, 2010 CFR

2010-01-01

... profit. On Day 8 customer delivered his check for the cost of the purchase to the creditor (member firm... any check or draft drawn on a bank which in the ordinary course of business is payable on presentation...(f), if controlling, would permit the exception to undermine, to some extent, the effectiveness of...

26 CFR 1.863-9 - Source of income derived from communications activity under section 863(a), (d), and (e).

Code of Federal Regulations, 2013 CFR

2013-04-01

... an international settlement agreement may be reasonable. In addition, practices used by taxpayers to... analyses for the use of management, creditors, minority shareholders, joint ventures, or other parties or... telephone. (ii) Analysis. D is not paid to transmit communications and does not derive income from...

26 CFR 1.863-9 - Source of income derived from communications activity under section 863(a), (d), and (e).

Code of Federal Regulations, 2012 CFR

2012-04-01

... an international settlement agreement may be reasonable. In addition, practices used by taxpayers to... analyses for the use of management, creditors, minority shareholders, joint ventures, or other parties or... telephone. (ii) Analysis. D is not paid to transmit communications and does not derive income from...

26 CFR 1.863-9 - Source of income derived from communications activity under section 863(a), (d), and (e).

Code of Federal Regulations, 2011 CFR

2011-04-01

... an international settlement agreement may be reasonable. In addition, practices used by taxpayers to... analyses for the use of management, creditors, minority shareholders, joint ventures, or other parties or... telephone. (ii) Analysis. D is not paid to transmit communications and does not derive income from...

26 CFR 1.863-9 - Source of income derived from communications activity under section 863(a), (d), and (e).

Code of Federal Regulations, 2010 CFR

2010-04-01

... an international settlement agreement may be reasonable. In addition, practices used by taxpayers to... analyses for the use of management, creditors, minority shareholders, joint ventures, or other parties or... telephone. (ii) Analysis. D is not paid to transmit communications and does not derive income from...

26 CFR 1.863-9 - Source of income derived from communications activity under section 863(a), (d), and (e).

Code of Federal Regulations, 2014 CFR

2014-04-01

... an international settlement agreement may be reasonable. In addition, practices used by taxpayers to... analyses for the use of management, creditors, minority shareholders, joint ventures, or other parties or... telephone. (ii) Analysis. D is not paid to transmit communications and does not derive income from...

12 CFR Supplement I to Part 202 - Official Staff Interpretations

Code of Federal Regulations, 2010 CFR

2010-01-01

...)(ii) 1. Move from service area. If a credit card issuer terminates the open-end account of a customer because the customer has moved out of the card issuer's service area, the termination is adverse action... protects a creditor from civil liability for any act done or omitted in good faith in conformity with an...

29 CFR 531.39 - Payments to third persons pursuant to court order.

Code of Federal Regulations, 2010 CFR

2010-07-01

... for the benefit or credit of the employee to a creditor of the employee, trustee, or other third party... his behalf or interest derives any profit or benefit from the transaction. In such case, payment to the third person for the benefit and credit of the employee will be considered equivalent, for the...

Secured Transactions: An Integrated Classroom Approach Using Financial Statements and Acronyms

ERIC Educational Resources Information Center

Seganish, W. Michael

2005-01-01

Students struggle with the subject of secured transactions under the Uniform Commercial Code. In this article, the author presents a method that uses balance-sheet information to help students visualize the difference between secured and unsecured creditors. The balance sheet is also used in the Uniform Commercial Code process, in which one must…

20 CFR 404.2024 - How do we investigate a representative payee applicant?

Code of Federal Regulations, 2011 CFR

2011-04-01

..., we do the following: (1) Conduct a face-to-face interview with the payee applicant unless it is... the payee applicant is a creditor of the beneficiary (see § 404.2022(d)). (b) Subsequent face-to-face interviews. After holding a face-to-face interview with a payee applicant, subsequent face-to-face interviews...

20 CFR 416.624 - How do we investigate a representative payee applicant?

Code of Federal Regulations, 2012 CFR

2012-04-01

..., we do the following: (1) Conduct a face-to-face interview with the payee applicant unless it is... the payee applicant is a creditor of the beneficiary (see § 416.622(d)). (b) Subsequent face-to-face interviews. After holding a face-to-face interview with a payee applicant, subsequent face-to-face interviews...

20 CFR 416.624 - How do we investigate a representative payee applicant?

Code of Federal Regulations, 2013 CFR

2013-04-01

..., we do the following: (1) Conduct a face-to-face interview with the payee applicant unless it is... the payee applicant is a creditor of the beneficiary (see § 416.622(d)). (b) Subsequent face-to-face interviews. After holding a face-to-face interview with a payee applicant, subsequent face-to-face interviews...

20 CFR 404.2024 - How do we investigate a representative payee applicant?

Code of Federal Regulations, 2013 CFR

2013-04-01

..., we do the following: (1) Conduct a face-to-face interview with the payee applicant unless it is... the payee applicant is a creditor of the beneficiary (see § 404.2022(d)). (b) Subsequent face-to-face interviews. After holding a face-to-face interview with a payee applicant, subsequent face-to-face interviews...

20 CFR 404.2024 - How do we investigate a representative payee applicant?

Code of Federal Regulations, 2012 CFR

2012-04-01

..., we do the following: (1) Conduct a face-to-face interview with the payee applicant unless it is... the payee applicant is a creditor of the beneficiary (see § 404.2022(d)). (b) Subsequent face-to-face interviews. After holding a face-to-face interview with a payee applicant, subsequent face-to-face interviews...

20 CFR 416.624 - How do we investigate a representative payee applicant?

Code of Federal Regulations, 2014 CFR

2014-04-01

..., we do the following: (1) Conduct a face-to-face interview with the payee applicant unless it is... the payee applicant is a creditor of the beneficiary (see § 416.622(d)). (b) Subsequent face-to-face interviews. After holding a face-to-face interview with a payee applicant, subsequent face-to-face interviews...

20 CFR 404.2024 - How do we investigate a representative payee applicant?

Code of Federal Regulations, 2014 CFR

2014-04-01

..., we do the following: (1) Conduct a face-to-face interview with the payee applicant unless it is... the payee applicant is a creditor of the beneficiary (see § 404.2022(d)). (b) Subsequent face-to-face interviews. After holding a face-to-face interview with a payee applicant, subsequent face-to-face interviews...

26 CFR 25.2514-3 - Powers of appointment created after October 21, 1942.

Code of Federal Regulations, 2010 CFR

2010-04-01

... of appointment created after October 21, 1942. (a) In general. The exercise, release, or lapse... exercise of a power of appointment that is not a general power is considered to be a transfer if it is... adverse to the exercise of the power in favor of the possessor, his estate, his creditors, or the...

Accounting for Money. Supervising: Economic and Financial Aspects. The Choice Series #70. A Self Learning Opportunity.

ERIC Educational Resources Information Center

Bainbridge, Dennis

This student guide is intended to assist persons employed as supervisors in accounting for money. Discussed in the first four sections are the following topics: the need for accounts; financial accounting (basics of financial accounting, creditors and debtors, assets and liabilities, and balance sheets); cost and management accounting (company,…

12 CFR Appendix J to Part 41 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2012 CFR

2012-01-01

... covered accounts the financial institution or creditor should take steps to ensure that the activity of... detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of information to... Detection, Prevention, and Mitigation J Appendix J to Part 41 Banks and Banking COMPTROLLER OF THE CURRENCY...

12 CFR Appendix J to Part 334 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2013 CFR

2013-01-01

... should take steps to ensure that the activity of the service provider is conducted in accordance with... financial institution or creditor detects a fraud or active duty alert; (c) Implementing any requirements... Detection, Prevention, and Mitigation J Appendix J to Part 334 Banks and Banking FEDERAL DEPOSIT INSURANCE...

12 CFR Appendix to Subpart C of... - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2013 CFR

2013-01-01

... the financial institution or creditor should take steps to ensure that the activity of the service... detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of information to... Detection, Prevention, and Mitigation Appendix to Subpart C of Part 391 Banks and Banking FEDERAL DEPOSIT...

12 CFR Appendix J to Part 41 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2011 CFR

2011-01-01

... covered accounts the financial institution or creditor should take steps to ensure that the activity of... detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of information to... Detection, Prevention, and Mitigation J Appendix J to Part 41 Banks and Banking COMPTROLLER OF THE CURRENCY...

17 CFR Appendix A to Subpart C of... - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2014 CFR

2014-04-01

... covered accounts the financial institution or creditor should take steps to ensure that the activity of... detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of information to... Identity Theft Detection, Prevention, and Mitigation A Appendix A to Subpart C of Part 248 Commodity and...

12 CFR Appendix J to Part 41 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2013 CFR

2013-01-01

... covered accounts the financial institution or creditor should take steps to ensure that the activity of... detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of information to... Detection, Prevention, and Mitigation J Appendix J to Part 41 Banks and Banking COMPTROLLER OF THE CURRENCY...

12 CFR Appendix J to Part 334 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2014 CFR

2014-01-01

... should take steps to ensure that the activity of the service provider is conducted in accordance with... financial institution or creditor detects a fraud or active duty alert; (c) Implementing any requirements... Detection, Prevention, and Mitigation J Appendix J to Part 334 Banks and Banking FEDERAL DEPOSIT INSURANCE...

12 CFR Appendix to Subpart C of... - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2014 CFR

2014-01-01

... the financial institution or creditor should take steps to ensure that the activity of the service... detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of information to... Detection, Prevention, and Mitigation Appendix to Subpart C of Part 391 Banks and Banking FEDERAL DEPOSIT...

12 CFR Appendix J to Part 41 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2014 CFR

2014-01-01

... covered accounts the financial institution or creditor should take steps to ensure that the activity of... detects a fraud or active duty alert; (c) Implementing any requirements for furnishers of information to... Detection, Prevention, and Mitigation J Appendix J to Part 41 Banks and Banking COMPTROLLER OF THE CURRENCY...

12 CFR Appendix J to Part 334 - Interagency Guidelines on Identity Theft Detection, Prevention, and Mitigation

Code of Federal Regulations, 2012 CFR

2012-01-01

... should take steps to ensure that the activity of the service provider is conducted in accordance with... financial institution or creditor detects a fraud or active duty alert; (c) Implementing any requirements... Detection, Prevention, and Mitigation J Appendix J to Part 334 Banks and Banking FEDERAL DEPOSIT INSURANCE...

12 CFR Appendix C to Subpart G - OCC Interpretations

Code of Federal Regulations, 2014 CFR

2014-01-01

....203(a)(1)-2. Paragraph 34.203(c)(2)(iii). 1. Confirming elements in the appraisal. To confirm that the elements in appendix A to this subpart are included in the written appraisal, a creditor need not look...)(7)(viii). 1. Bureau table of rural counties The Bureau publishes on its Web site a table of rural...

38 CFR 12.23 - Recognition of valid claim against the General Post Fund.

Code of Federal Regulations, 2012 CFR

2012-07-01

... claim against the General Post Fund. 12.23 Section 12.23 Pensions, Bonuses, and Veterans' Relief... claim against the General Post Fund. Effective December 26, 1941, the assets of the estate of a veteran theretofore or thereafter deposited to the General Post Fund are subject to the valid claims of creditors...

38 CFR 12.23 - Recognition of valid claim against the General Post Fund.

Code of Federal Regulations, 2010 CFR

2010-07-01

... claim against the General Post Fund. 12.23 Section 12.23 Pensions, Bonuses, and Veterans' Relief... claim against the General Post Fund. Effective December 26, 1941, the assets of the estate of a veteran theretofore or thereafter deposited to the General Post Fund are subject to the valid claims of creditors...

38 CFR 12.23 - Recognition of valid claim against the General Post Fund.

Code of Federal Regulations, 2011 CFR

2011-07-01

... claim against the General Post Fund. 12.23 Section 12.23 Pensions, Bonuses, and Veterans' Relief... claim against the General Post Fund. Effective December 26, 1941, the assets of the estate of a veteran theretofore or thereafter deposited to the General Post Fund are subject to the valid claims of creditors...

38 CFR 12.23 - Recognition of valid claim against the General Post Fund.

Code of Federal Regulations, 2014 CFR

2014-07-01

... claim against the General Post Fund. 12.23 Section 12.23 Pensions, Bonuses, and Veterans' Relief... claim against the General Post Fund. Effective December 26, 1941, the assets of the estate of a veteran theretofore or thereafter deposited to the General Post Fund are subject to the valid claims of creditors...

38 CFR 12.23 - Recognition of valid claim against the General Post Fund.

Code of Federal Regulations, 2013 CFR

2013-07-01

... claim against the General Post Fund. 12.23 Section 12.23 Pensions, Bonuses, and Veterans' Relief... claim against the General Post Fund. Effective December 26, 1941, the assets of the estate of a veteran theretofore or thereafter deposited to the General Post Fund are subject to the valid claims of creditors...

47 CFR 1.1935 - Obtaining the services of a hearing official.

Code of Federal Regulations, 2011 CFR

2011-10-01

... under this section is considered to be an official certification regarding the existence and amount of the debt for purposes of executing salary offset under 5 U.S.C. 5514. A creditor agency may make a... regarding the existence and amount of the debt based on the certification of a hearing official. If a...

47 CFR 1.1935 - Obtaining the services of a hearing official.

Code of Federal Regulations, 2010 CFR

2010-10-01

... under this section is considered to be an official certification regarding the existence and amount of the debt for purposes of executing salary offset under 5 U.S.C. 5514. A creditor agency may make a... regarding the existence and amount of the debt based on the certification of a hearing official. If a...

31 CFR 315.21 - Payment to judgment creditors.

Code of Federal Regulations, 2010 CFR

2010-07-01

... SERVICE, DEPARTMENT OF THE TREASURY BUREAU OF THE PUBLIC DEBT REGULATIONS GOVERNING U.S. SAVINGS BONDS, SERIES A, B, C, D, E, F, G, H, J, AND K, AND U.S. SAVINGS NOTES Limitations on Judicial Proceedings-No... judgment or a levy against only one coowner is limited to the extent of that coowner's interest in the bond...

26 CFR 1.465-8 - General rules; interest other than that of a creditor.

Code of Federal Regulations, 2010 CFR

2010-04-01

... borrowed with respect to an activity will not increase the borrower's amount at risk in the activity if the... activity of the corporation. Thus, amounts borrowed by a corporation from a shareholder may increase the..., amounts payable to A for use in that activity do not increase the partners' amount at risk even though the...

12 CFR 717.90 - Duties regarding the detection, prevention, and mitigation of identity theft.

Code of Federal Regulations, 2010 CFR

2010-01-01

... section and appendix J, the following definitions apply: (1) Account means a continuing relationship... 15 U.S.C. 1681a(r)(5). (5) Creditor has the same meaning as in 15 U.S.C. 1681a(r)(5). (6) Customer..., or a designated employee at the level of senior management in the oversight, development...

Nortel sheds staff as bankruptcy bites

NASA Astrophysics Data System (ADS)

Howell, Elizabeth

2009-09-01

Thousands of jobs are under threat as bankrupt Nortel Networks - once Canada's largest telecoms company and a major employer of physicists - begins selling its divisions to satisfy creditors. Nortel, which employs 35 000 people worldwide, sold its wireless section to Sweden's Ericsson for C 1.13bn (£626m) in late July, but no buyers have yet been announced for other sectors.

12 CFR 220.127 - Independent broker/dealers arranging credit in connection with the sale of insurance premium...

Code of Federal Regulations, 2010 CFR

2010-01-01

... amendment to § 220.4(k) set forth that creditors who arrange credit for the acquisition of mutual fund shares and insurance are also permitted to sell mutual fund shares without insurance under the provisions... programs which combine the acquisition of both mutual fund shares and insurance. Thus the amendment permits...

12 CFR 220.127 - Independent broker/dealers arranging credit in connection with the sale of insurance premium...

Code of Federal Regulations, 2011 CFR

2011-01-01

... amendment to § 220.4(k) set forth that creditors who arrange credit for the acquisition of mutual fund shares and insurance are also permitted to sell mutual fund shares without insurance under the provisions... programs which combine the acquisition of both mutual fund shares and insurance. Thus the amendment permits...

45 CFR 33.11 - Salary offset when the Department is the creditor agency but not the paying agency.

Code of Federal Regulations, 2010 CFR

2010-10-01

... agency but not the paying agency. 33.11 Section 33.11 Public Welfare DEPARTMENT OF HEALTH AND HUMAN..., the date the Government's right to collect the debt first accrued, and that the Departmental... Retirement and Disability Fund, or other similar payments that may be due the employee from other Federal...

5 CFR 550.1107 - Obtaining the services of a hearing official.

Code of Federal Regulations, 2010 CFR

2010-01-01

... section is considered to be an official certification regarding the existence and amount of the debt for purposes of executing salary offset under 5 U.S.C. 5514. A creditor agency may make a certification to the Secretary of the Treasury under § 550.1108 or a paying agency under § 550.1109 regarding the existence and...

Mental health and psychosocial support in humanitarian settings: linking practice and research.

PubMed

Tol, Wietse A; Barbui, Corrado; Galappatti, Ananda; Silove, Derrick; Betancourt, Theresa S; Souza, Renato; Golaz, Anne; van Ommeren, Mark

2011-10-29

This review links practice, funding, and evidence for interventions for mental health and psychosocial wellbeing in humanitarian settings. We studied practice by reviewing reports of mental health and psychosocial support activities (2007-10); funding by analysis of the financial tracking service and the creditor reporting system (2007-09); and interventions by systematic review and meta-analysis. In 160 reports, the five most commonly reported activities were basic counselling for individuals (39%); facilitation of community support of vulnerable individuals (23%); provision of child-friendly spaces (21%); support of community-initiated social support (21%); and basic counselling for groups and families (20%). Most interventions took place and were funded outside national mental health and protection systems. 32 controlled studies of interventions were identified, 13 of which were randomised controlled trials (RCTs) that met the criteria for meta-analysis. Two studies showed promising effects for strengthening community and family supports. Psychosocial wellbeing was not included as an outcome in the meta-analysis, because its definition varied across studies. In adults with symptoms of post-traumatic stress disorder (PTSD), meta-analysis of seven RCTs showed beneficial effects for several interventions (psychotherapy and psychosocial supports) compared with usual care or waiting list (standardised mean difference [SMD] -0·38, 95% CI -0·55 to -0·20). In children, meta-analysis of four RCTs failed to show an effect for symptoms of PTSD (-0·36, -0·83 to 0·10), but showed a beneficial effect of interventions (group psychotherapy, school-based support, and other psychosocial support) for internalising symptoms (six RCTs; SMD -0·24, -0·40 to -0·09). Overall, research and evidence focuses on interventions that are infrequently implemented, whereas the most commonly used interventions have had little rigorous scrutiny. Copyright © 2011 Elsevier Ltd. All rights reserved.

16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before November 1...

Code of Federal Regulations, 2010 CFR

2010-01-01

... make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check... open end consumer credit contracts before November 1, 1977 from requirements of § 433.2(a). 433.3... CONSUMERS' CLAIMS AND DEFENSES § 433.3 Exemption of sellers taking or receiving open end consumer credit...

32 CFR 513.4 - Conditions creditors must meet before getting help in debt processing.

Code of Federal Regulations, 2011 CFR

2011-07-01

..., Oklahoma, and Wyoming. (4) DOD Standards of Fairness (app B) define fair and just dealings with soldiers... Relief Act of 1940, as amended (50 U.S.C. app, section 501 et seq., (1970)) if applicable. (See DA Pam 27... Standards of Fairness (app B) showing compliance with one of the following: (A) The Truth-in-Lending Act. (B...

78 FR 39901 - Amendments to the 2013 Mortgage Rules Under the Equal Credit Opportunity Act (Regulation B), Real...

Federal Register 2010, 2011, 2012, 2013, 2014

2013-07-02

... compensation restrictions under Sec. 1026.36(d) (for example, if a creditor wishes to pay individual loan... compensation for the first time period). See comment 36(d)(1)-3.v.C, as proposed to be revised. For example... 10-percent limit would set an upper limit on such behavior). \\17\\ For example, the 2013 Loan...

Can Access to Data Prevent Army Suicides Identifying Optimal Response Strategies for Army Leaders

DTIC Science & Technology

2016-01-01

activities. One shortfall of this approach, however, is the lack of guidance on how Army leaders should interpret and use these data. To address this gap ...records Personal relationships Divorce, Army Community Service records Financial problems Wage garnishment, creditor notification agreed that leaders...endorsed by three panelists. compared, noting that there are significant differences between battalions with respect to age, gender , and rank

12 CFR 1022.71 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

... same meaning as in 15 U.S.C. 1681a(r)(5). (i) Creditor has the same meaning as in 15 U.S.C. 1681a(r)(5). (j) Credit card has the same meaning as in 15 U.S.C. 1681a(r)(2). (k) Credit card issuer has the same... apply: (a) Adverse action has the same meaning as in 15 U.S.C. 1681a(k)(1)(A). (b) Annual percentage...

12 CFR 1022.71 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

... same meaning as in 15 U.S.C. 1681a(r)(5). (i) Creditor has the same meaning as in 15 U.S.C. 1681a(r)(5). (j) Credit card has the same meaning as in 15 U.S.C. 1681a(r)(2). (k) Credit card issuer has the same... apply: (a) Adverse action has the same meaning as in 15 U.S.C. 1681a(k)(1)(A). (b) Annual percentage...

16 CFR 640.2 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

....C. 1681a(r)(5). (i) Creditor has the same meaning as in 15 U.S.C. 1681a(r)(5). (j) Credit card has the same meaning as in 15 U.S.C. 1681a(r)(2). (k) Credit card issuer has the same meaning as in 15 U.S... action has the same meaning as in 15 U.S.C. 1681a(k)(1)(A). (b) Annual percentage rate has the same...

16 CFR 640.2 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-01-01

....C. 1681a(r)(5). (i) Creditor has the same meaning as in 15 U.S.C. 1681a(r)(5). (j) Credit card has the same meaning as in 15 U.S.C. 1681a(r)(2). (k) Credit card issuer has the same meaning as in 15 U.S... action has the same meaning as in 15 U.S.C. 1681a(k)(1)(A). (b) Annual percentage rate has the same...

16 CFR 640.2 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

....C. 1681a(r)(5). (i) Creditor has the same meaning as in 15 U.S.C. 1681a(r)(5). (j) Credit card has the same meaning as in 15 U.S.C. 1681a(r)(2). (k) Credit card issuer has the same meaning as in 15 U.S... action has the same meaning as in 15 U.S.C. 1681a(k)(1)(A). (b) Annual percentage rate has the same...

16 CFR 640.2 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

....C. 1681a(r)(5). (i) Creditor has the same meaning as in 15 U.S.C. 1681a(r)(5). (j) Credit card has the same meaning as in 15 U.S.C. 1681a(r)(2). (k) Credit card issuer has the same meaning as in 15 U.S... action has the same meaning as in 15 U.S.C. 1681a(k)(1)(A). (b) Annual percentage rate has the same...

12 CFR 1022.71 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

... same meaning as in 15 U.S.C. 1681a(r)(5). (i) Creditor has the same meaning as in 15 U.S.C. 1681a(r)(5). (j) Credit card has the same meaning as in 15 U.S.C. 1681a(r)(2). (k) Credit card issuer has the same... apply: (a) Adverse action has the same meaning as in 15 U.S.C. 1681a(k)(1)(A). (b) Annual percentage...

Graduating a Debtor Nation: Shameless Confessions of a Dissenting Citizen

ERIC Educational Resources Information Center

Guerra, Lillian

2008-01-01

As a graduate of Dartmouth College who holds a Ph.D. from the University of Wisconsin-Madison, the author launched her academic career with a total debt load of over $105,000. As soon as she started working as a full-time faculty member six years ago, she began to make payments of between $600 and $1,000 a month to creditors, depending on what her…

Negotiating contracts for vendor-financed purchases of EHR systems. Providers face extraordinary challenges securing financing for HIT projects, especially ones required to capitalize on ARRA incentives.

PubMed

Fox, Steven J; Schick, Vadim

2010-01-01

In this economic climate, healthcare providers may face extraordinary challenges securing financing for health IT projects, especially ones required to capitalize on the incentives in ARRA. Vendor financing may be the best option for many such providers. While such arrangements may often seem a win-win for both parties, providers should be aware of the many potential pitfalls inherent in vendorfinanced deals, including: 1.) additional pressure from vendors to accept their standard contractual terms and conditions because vendors have much more leverage if they are also the creditor in the transaction; 2.) failing to obtain necessary warranties and representations from vendors that their systems will comply with all relevant requirements under ARRA and will permit the provider to achieve meaningful use; and 3.) dealing with problems arising if the vendors' product fails to achieve certification, or the provider fails to achieve "meaningful use" in a timely manner.

Capital update factor: a new era approaches.

PubMed

Grimaldi, P L

1993-02-01

The Health Care Financing Administration (HCFA) has constructed a preliminary model of a new capital update method which is consistent with the framework being developed to refine the update method for PPS operating costs. HCFA's eventual goal is to develop a single update framework for operating and capital costs. Initial results suggest that adopting the new capital update method would reduce capital payments substantially, which might intensify creditor's concerns about extending loans to hospitals.

Fragile Relationships: Japan, High Technology, and U.S. Vital Interests

DTIC Science & Technology

1990-04-04

costs ; better manufacturing techniques; higher quality products; excellent marketing plans; and, direct and indirect government support. 5 Akio...short-term and have not looked to the future, as have the Japanese. The stockholders’ demand for large, quick profits often cost market shares and...grip the country as we use increasing amounts of our wealth to service the national debt. Japan will be our creditor. U.S. market shares, both

12 CFR 222.71 - Definitions.

Code of Federal Regulations, 2013 CFR

2013-01-01

.... 1681a(r)(2). (k) Credit card issuer has the same meaning as in 15 U.S.C. 1681a(r)(1)(A). (l) Credit... as in 15 U.S.C. 1681a(k)(1)(A). (b) Annual percentage rate has the same meaning as in 12 CFR 226.14(b... as in 15 U.S.C. 1681a(f). (h) Credit has the same meaning as in 15 U.S.C. 1681a(r)(5). (i) Creditor...

12 CFR 222.71 - Definitions.

Code of Federal Regulations, 2012 CFR

2012-01-01

....C. 1681a(f). (h) Credit has the same meaning as in 15 U.S.C. 1681a(r)(5). (i) Creditor has the same meaning as in 15 U.S.C. 1681a(r)(5). (j) Credit card has the same meaning as in 15 U.S.C. 1681a(r)(2). (k.... 1681a(k)(1)(A). (b) Annual percentage rate has the same meaning as in 12 CFR 226.14(b) with respect to...

12 CFR 222.71 - Definitions.

Code of Federal Regulations, 2011 CFR

2011-01-01

....C. 1681a(f). (h) Credit has the same meaning as in 15 U.S.C. 1681a(r)(5). (i) Creditor has the same meaning as in 15 U.S.C. 1681a(r)(5). (j) Credit card has the same meaning as in 15 U.S.C. 1681a(r)(2). (k.... 1681a(k)(1)(A). (b) Annual percentage rate has the same meaning as in 12 CFR 226.14(b) with respect to...

12 CFR 222.71 - Definitions.

Code of Federal Regulations, 2014 CFR

2014-01-01

.... 1681a(r)(2). (k) Credit card issuer has the same meaning as in 15 U.S.C. 1681a(r)(1)(A). (l) Credit... as in 15 U.S.C. 1681a(k)(1)(A). (b) Annual percentage rate has the same meaning as in 12 CFR 226.14(b... as in 15 U.S.C. 1681a(f). (h) Credit has the same meaning as in 15 U.S.C. 1681a(r)(5). (i) Creditor...

75 FR 64785 - Corporate Credit Unions

Federal Register 2010, 2011, 2012, 2013, 2014

2010-10-20

...NCUA is issuing final amendments to its rule governing corporate credit unions. The major revisions involve corporate credit union capital, investments, asset-liability management, governance, and credit union service organization (CUSO) activities. The amendments establish a new capital scheme, including risk-based capital requirements; impose new prompt corrective action requirements; place various new limits on corporate investments; impose new asset-liability management controls; amend some corporate governance provisions; and limit a corporate CUSO to categories of services preapproved by NCUA. In addition, this rulemaking contains conforming amendments to rules governing Prompt Corrective Action (for natural person credit unions); Investments and Deposit Activities (for federal credit unions); Administrative Actions, Adjudicative Hearings, Rules of Practice and Procedure, and Investigations; and Involuntary Liquidation of Federal Credit Unions and Adjudication of Creditor Claims Involving Federally Insured Credit Unions. These amendments will strengthen individual corporates and the corporate credit union system as a whole.

Accounting for "land-grabbing" from a biocapacity viewpoint.

PubMed

Coscieme, Luca; Pulselli, Federico M; Niccolucci, Valentina; Patrizi, Nicoletta; Sutton, Paul C

2016-01-01

The comparison of the Ecological Footprint and its counterpart (i.e. biocapacity) allow for a classification of the world's countries as ecological creditors (Ecological Footprint lower than biocapacity) or debtors (Ecological Footprint higher than biocapacity). This classification is a national scale assessment on an annual time scale that provides a view of the ecological assets appropriated by the local population versus the natural ecological endowment of a country. We show that GDP per capita over a certain threshold is related with the worsening of the footprint balance in countries classified as ecological debtors. On the other hand, this correlation is lost when ecological creditor nations are considered. There is evidence that governments and investors from high GDP countries are playing a crucial role in impacting the environment at the global scale which is significantly affecting the geography of sustainability and preventing equal opportunities for development. In particular, international market dynamics and the concentration of economic power facilitate the transfer of biocapacity related to “land grabbing”, i.e. large scale acquisition of agricultural land. This transfer mainly occurs from low to high GDP countries, regardless of the actual need of foreign biocapacity, as expressed by the national footprint balance. A first estimation of the amount of biocapacity involved in this phenomenon is provided in this paper in order to better understand its implications on global sustainability and national and international land use policy.

Donor funding health policy and systems research in low- and middle-income countries: how much, from where and to whom.

PubMed

Grépin, Karen Ann; Pinkstaff, Crossley Beth; Shroff, Zubin Cyrus; Ghaffar, Abdul

2017-08-31

The need for sufficient and reliable funding to support health policy and systems research (HPSR) in low- and middle-income countries (LMICs) has been widely recognised. Currently, most resources to support such activities come from traditional development assistance for health (DAH) donors; however, few studies have examined the levels, trends, sources and national recipients of such support - a gap this research seeks to address. Using OECD's Creditor Reporting System database, we classified donor funding commitments using a keyword analysis of the project-level descriptions of donor supported projects to estimate total funding available for HPSR-related activities annually from bilateral and multilateral donors, as well as the Bill and Melinda Gates Foundation, to LMICs over the period 2000-2014. Total commitments to HPSR-related activities have greatly increased since 2000, peaked in 2010, and have held steady since 2011. Over the entire study period (2000-2014), donors committed a total of $4 billion in funding for HPSR-related activities or an average of $266 million a year. Over the last 5 years (2010-2014), donors committed an average of $434 million a year to HPSR-related activities. Funding for HPSR is heavily concentrated, with more than 93% coming from just 10 donors and only represents approximately 2% of all donor funding for health and population projects. Countries in the sub-Saharan African region are the major recipients of HPSR funding. Funding for HPSR-related activities has generally increased over the study period; however, donor support to such activities represents only a small proportion of total DAH and has not grown in recent years. Donors should consider increasing the proportion of funds they allocate to support HPSR activities in order to further build the evidence base on how to build stronger health systems.

Patterns of funding allocation for tuberculosis control in fragile states.

PubMed

Warsame, A; Patel, P; Checchi, F

2014-01-01

To assess recent (2006-2010) tuberculosis (TB) funding patterns in conflict and non-conflict-affected fragile states to inform global policy. The Creditor Reporting System was analysed for official development assistance funding disbursements towards TB control in 11 conflict-affected states, 17 non-conflict-affected fragile states and 38 comparable non-fragile states. The amounts of funding, funding relative to burden, funding relative to malaria and human immunodeficiency virus (HIV) control, disbursements relative to commitments, sources of funding as well as funding activities were extracted and analysed. Fragile states received on average more per capita for TB control relative to non-fragile states (US0.159 vs. US0.079). However conflict-affected fragile states received on average less per capita than non-conflict-affected states (US0.144 vs. US0.203), despite worse development indicators. Conflict-affected fragile states also received on average only 70% of TB funds already committed. Analysis by burden revealed the least disparity in funding in highest prevalence settings. Analysis of funding activities suggests increasing importance of TB-HIV integration, multidrug-resistant TB and research in both fragile and non-fragile states. Relative to non-conflict-affected fragile states, conflict-affected fragile states received approximately two thirds the per capita funding for TB. This study revealed disparities in TB control funding between fragile and non-fragile as well as between conflict and non-conflict-affected fragile states. Findings suggest possible avenues for improving the allocation of global TB funding.

A review of health resource tracking in developing countries.

PubMed

Powell-Jackson, Timothy; Mills, Anne

2007-11-01

Timely, reliable and complete information on financial resources in the health sector is critical for sound policy making and planning, particularly in developing countries where resources are both scarce and unpredictable. Health resource tracking has a long history and has seen renewed interest more recently as pressure has mounted to improve accountability for the attainment of the health Millennium Development Goals. We review the methods used to track health resources and recent experiences of their application, with a view to identifying the major challenges that must be overcome if data availability and reliability are to improve. At the country level, there have been important advances in the refinement of the National Health Accounts (NHA) methodology, which is now regarded as the international standard. Significant efforts have also been put into the development of methods to track disease-specific expenditures. However, NHA as a framework can do little to address the underlying problem of weak government public expenditure management and information systems that provide much of the raw data. The experience of institutionalizing NHA suggests progress has been uneven and there is a potential for stand-alone disease accounts to make the situation worse by undermining capacity and confusing technicians. Global level tracking of donor assistance to health relies to a large extent on the OECD's Creditor Reporting System. Despite improvements in its coverage and reliability, the demand for estimates of aid to control of specific diseases is resulting in multiple, uncoordinated data requests to donor agencies, placing additional workload on the providers of information. The emergence of budget support aid modalities poses a methodological challenge to health resource tracking, as such support is difficult to attribute to any particular sector or health programme. Attention should focus on improving underlying financial and information systems at the country level, which will facilitate more reliable and timely reporting of NHA estimates. Effective implementation of a framework to make donors more accountable to recipient countries and the international community will improve the availability of financial data on their activities.

Ten rules for asset protection planning.

PubMed

Adkisson, Jay D; Keller, Lawrence B

2013-12-01

Asset protection planning is a highly technical area of legal planning. Because of the fraudulent transfer laws, asset protection planning must be done in advance of any claim, be technically sound, not rely upon secrecy, and avoid any number of critical mistakes including keeping personal and business assets separate. Physicians who engage in asset protection planning must avoid critical mistakes, and not count on bankruptcy to provide relief from creditors. General rules and cautions for those who are considering the creation of an asset protection plan for their personal assets.

"More money for health - more health for the money": a human resources for health perspective.

PubMed

Campbell, James; Jones, Iain; Whyms, Desmond

2011-07-15

At the MDG Summit in September 2010, the UN Secretary-General launched the Global Strategy for Women's and Children's Health. Central within the Global Strategy are the ambitions of "more money for health" and "more health for the money". These aim to leverage more resources for health financing whilst simultaneously generating more results from existing resources - core tenets of public expenditure management and governance. This paper considers these ambitions from a human resources for health (HRH) perspective. Using data from the UK Department for International Development (DFID) we set out to quantify and qualify the British government's contributions on HRH in developing countries and to establish a baseline.. To determine whether activities and financing could be included in the categorisation of 'HRH strengthening' we adopted the Agenda for Global Action on HRH and a WHO approach to the 'working lifespan' of health workers as our guiding frameworks. To establish a baseline we reviewed available data on Official Development Assistance (ODA) and country reports, undertook a new survey of HRH programming and sought information from multilateral partners. In financial year 2008/9 DFID spent £901 million on direct 'aid to health'. Due to the nature of the Creditor Reporting System (CRS) of the Organisation for Economic Co-operation and Development (OECD) it is not feasible to directly report on HRH spending. We therefore employed a process of imputed percentages supported by detailed assessment in twelve countries. This followed the model adopted by the G8 to estimate ODA on maternal, newborn and child health. Using the G8's model, and cognisant of its limitations, we concluded that UK 'aid to health' on HRH strengthening is approximately 25%. In quantifying DFID's disbursements on HRH we encountered the constraints of the current CRS framework. This limits standardised measurement of ODA on HRH. This is a governance issue that will benefit from further analysis within more comprehensive programmes of workforce science, surveillance and strategic intelligence. The Commission on Information and Accountability for Women's and Children's Health may present an opportunity to partially address the limitations in reporting on ODA for HRH and present solutions to establish a global baseline.

Does donor proliferation in development aid for health affect health service delivery and population health? Cross-country regression analysis from 1995 to 2010.

PubMed

Pallas, Sarah Wood; Ruger, Jennifer Prah

2017-05-01

Previous literature suggests that increasing numbers of development aid donors can reduce aid effectiveness but this has not been tested in the health sector, which has experienced substantial recent growth in aid volume and number of donors. Based on annual data for 1995-2010 on 139 low- and middle-income countries that received health sector aid from donors reporting to the OECD's Creditor Reporting System, the study used two-step system generalized method of moments regression models to test whether the number of health aid donors and an index of health aid donor fragmentation affect health services (measured by DTP3 immunization rate) or health outcomes (measured by infant mortality rate) for three subsectors of health aid. For total health aid and for the general and basic health aid subsector, controlling for economic and political conditions, increases in the number of donors were associated with increases in DTP3 immunization rate and reductions in infant mortality while increases in the donor fragmentation index were associated with decreases in DTP3 immunization rate and increases in infant mortality, though none of these relationships were statistically significant. For the population and reproductive health aid subsector, a one percent increase in the number of donors was associated with a 0.23 percent decrease in DTP3 immunization ( P <  0.01) while a one percent increase in donor fragmentation was associated with a 0.54 percent increase in DTP3 immunization rate ( P <  0.01); associations with infant mortality rates for this subsector were similar to those for total health aid. The results do not provide clear evidence in support of the hypothesis that donor proliferation negatively impacts development results in the health sector. Aid effectiveness policy prescriptions should distinguish responses to donor proliferation versus donor fragmentation and be adapted to specific subsectors of health aid. © The Author 2016. Published by Oxford University Press in association with The London School of Hygiene and Tropical Medicine. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com

The fiduciary duties of healthcare directors in the "zone of insolvency".

PubMed

Peregrine, Michael W; Schwartz, James R; Burgdorfer, James E; Gordon, David C

2002-01-01

Directors of healthcare organizations normally owe fiduciary duties to their shareholders or, in the case of nonprofits, to the charitable mission of the organization. As an organization descends to bankruptcy, however, the board's duties may shift. At some point, the board may be imposed with different and often conflicting obligations to the corporate enterprise as a whole, with a primary criterion being the interests of creditors. In this article, the authors analyze the murky areas of the Zone and give guidance as to when the board's duty may shift-and as to how directors should proceed both in determining their duties and in working to fulfill them.

Health status of people undergoing foreclosure in the Philadelphia region.

PubMed

Pollack, Craig Evan; Lynch, Julia

2009-10-01

We assessed the health status of people undergoing mortgage foreclosure in the Philadelphia region to determine if there was a relationship between foreclosure and health. Participants were recruited in partnership with a mortgage counseling agency. Participants' health status and health care use were compared with a community sample from the 2008 Southeastern Pennsylvania Household Health Survey. We used publicly filed foreclosure records to assess response bias. Of the 250 people recruited, 36.7% met screening criteria for major depression. The foreclosure sample was significantly more likely than the community sample to not have insurance coverage (adjusted odds ratio [AOR] = 2.28; 95% confidence interval [CI] = 1.49, 3.48) and to not have filled a prescription because of cost in the preceding year (AOR = 3.44; 95% CI = 2.45, 4.83). Approximately 9% of the participants reported that their own or a family member's medical condition was the primary reason they were undergoing foreclosure. More than a quarter of those in foreclosure (27.7%) stated that they owed money to medical creditors. Foreclosure affects already-vulnerable populations. Public health practitioners may be able to leverage current efforts to connect homeowners with mortgage counseling agencies to improve health care access.

A model for the evaluation of systemic risk in stock markets

NASA Astrophysics Data System (ADS)

Caetano, Marco Antonio Leonel; Yoneyama, Takashi

2011-06-01

Systemic risk refers to the possibility of a collapse of an entire financial system or market, differing from the risk associated with any particular individual or a group pertaining to the system, which may include banks, government, brokers, and creditors. After the 2008 financial crisis, a significant amount of effort has been directed to the study of systemic risk and its consequences around the world. Although it is very difficult to predict when people begin to lose confidence in a financial system, it is possible to model the relationships among the stock markets of different countries and perform a Monte Carlo-type analysis to study the contagion effect. Because some larger and stronger markets influence smaller ones, a model inspired by a catalytic chemical model is proposed. In chemical reactions, reagents with higher concentrations tend to favor their conversion to products. In order to modulate the conversion process, catalyzers may be used. In this work, a mathematical modeling is proposed with bases on the catalytic chemical reaction model. More specifically, the Hang Seng and Dow Jones indices are assumed to dominate Ibovespa (the Brazilian Stock Market index), such that the indices of strong markets are taken as being analogous to the concentrations of the reagents and the indices of smaller markets as concentrations of products. The role of the catalyst is to model the degree of influence of one index on another. The actual data used to fit the model parameter consisted of the Hang Seng index, Dow Jones index, and Ibovespa, since 1993. “What if” analyses were carried out considering some intervention policies.

The Role of Major Donors in Health Aid to the Democratic People's Republic of Korea

PubMed Central

Lee, Haewon; Ahn, Deborah Y.; Choi, Soyoung; Kim, Youngchan; Choi, Hyunju

2013-01-01

We investigated the major trends in health aid financing in the Democratic People's Republic of Korea (DPRK) by identifying the primary donor organizations and examining several data sources to track overall health aid trends. We collected gross disbursements from bilateral donor countries and international organizations toward the DPRK according to specific health sectors by using the Organization for Economic Cooperation and Development creditor reporting system database and the United Nations Office for the Coordination of Humanitarian Affairs financial tracking service database. We analyzed sources of health aid to the DPRK from the Republic of Korea (ROK) using the official records from the ROK's Ministry of Unification. We identified the ROK, United Nations Children's Fund (UNICEF), World Health Organization (WHO), United Nations Population Fund (UNFPA), and The Global Fund to Fight AIDS, Tuberculosis and Malaria (GFATM) as the major donor entities not only according to their level of health aid expenditures but also their growing roles within the health sector of the DPRK. We found that health aid from the ROK is comprised of funding from the Inter-Korean Cooperation Fund, private organizations, local governments, and South Korean branches of international organizations such as WHO and UNICEF. We also distinguished medical equipment aid from developmental aid to show that the majority of health aid from the ROK was developmental aid. This study highlights the valuable role of the ROK in the flow of health aid to the DPRK, especially in light of the DPRK's precarious international status. Although global health aid from many international organizations has decreased, organizations such as GFATM and UNFPA continue to maintain their focus on reproductive health and infectious diseases. PMID:23766869

The role of major donors in health aid to the Democratic People's Republic of Korea.

PubMed

Lee, Haewon; Ahn, Deborah Y; Choi, Soyoung; Kim, Youngchan; Choi, Hyunju; Park, Sang Min

2013-05-01

We investigated the major trends in health aid financing in the Democratic People's Republic of Korea (DPRK) by identifying the primary donor organizations and examining several data sources to track overall health aid trends. We collected gross disbursements from bilateral donor countries and international organizations toward the DPRK according to specific health sectors by using the Organization for Economic Cooperation and Development creditor reporting system database and the United Nations Office for the Coordination of Humanitarian Affairs financial tracking service database. We analyzed sources of health aid to the DPRK from the Republic of Korea (ROK) using the official records from the ROK's Ministry of Unification. We identified the ROK, United Nations Children's Fund (UNICEF), World Health Organization (WHO), United Nations Population Fund (UNFPA), and The Global Fund to Fight AIDS, Tuberculosis and Malaria (GFATM) as the major donor entities not only according to their level of health aid expenditures but also their growing roles within the health sector of the DPRK. We found that health aid from the ROK is comprised of funding from the Inter-Korean Cooperation Fund, private organizations, local governments, and South Korean branches of international organizations such as WHO and UNICEF. We also distinguished medical equipment aid from developmental aid to show that the majority of health aid from the ROK was developmental aid. This study highlights the valuable role of the ROK in the flow of health aid to the DPRK, especially in light of the DPRK's precarious international status. Although global health aid from many international organizations has decreased, organizations such as GFATM and UNFPA continue to maintain their focus on reproductive health and infectious diseases.

Donor funding for family planning: levels and trends between 2003 and 2013.

PubMed

Grollman, Christopher; Cavallaro, Francesca L; Duclos, Diane; Bakare, Victoria; Martínez Álvarez, Melisa; Borghi, Josephine

2018-05-01

The International Conference on Population and Development in 1994 set targets for donor funding to support family planning programmes, and recent initiatives such as FP2020 have renewed focus on the need for adequate funding to rights-based family planning. Disbursements supporting family planning disaggregated by donor, recipient country and year are not available for recent years. We estimate international donor funding for family planning in 2003-13, the period covering the introduction of reproductive health targets to the Millennium Development Goals and up to the beginning of FP2020, and compare funding to unmet need for family planning in recipient countries. We used the dataset of donor disbursements to support reproductive, maternal, newborn and child health developed by the Countdown to 2015 based on the Organization for Economic Cooperation and Development Creditor Reporting System. We assessed levels and trends in disbursements supporting family planning in the period 2003-13 and compared this to unmet need for family planning. Between 2003 and 2013, disbursements supporting family planning rose from under $400 m prior to 2008 to $886 m in 2013. More than two thirds of disbursements came from the USA. There was substantial year-on-year variation in disbursement value to some recipient countries. Disbursements have become more concentrated among recipient countries with higher national levels of unmet need for family planning. Annual disbursements of donor funding supporting family planning are far short of projected and estimated levels necessary to address unmet need for family planning. The reimposition of the US Global Gag Rule will precipitate an even greater shortfall if other donors and recipient countries do not find substantial alternative sources of funding.

Donor funding for family planning: levels and trends between 2003 and 2013

PubMed Central

Grollman, Christopher; Cavallaro, Francesca L; Duclos, Diane; Bakare, Victoria; Martínez Álvarez, Melisa; Borghi, Josephine

2018-01-01

Abstract The International Conference on Population and Development in 1994 set targets for donor funding to support family planning programmes, and recent initiatives such as FP2020 have renewed focus on the need for adequate funding to rights-based family planning. Disbursements supporting family planning disaggregated by donor, recipient country and year are not available for recent years. We estimate international donor funding for family planning in 2003–13, the period covering the introduction of reproductive health targets to the Millennium Development Goals and up to the beginning of FP2020, and compare funding to unmet need for family planning in recipient countries. We used the dataset of donor disbursements to support reproductive, maternal, newborn and child health developed by the Countdown to 2015 based on the Organization for Economic Cooperation and Development Creditor Reporting System. We assessed levels and trends in disbursements supporting family planning in the period 2003–13 and compared this to unmet need for family planning. Between 2003 and 2013, disbursements supporting family planning rose from under $400 m prior to 2008 to $886 m in 2013. More than two thirds of disbursements came from the USA. There was substantial year-on-year variation in disbursement value to some recipient countries. Disbursements have become more concentrated among recipient countries with higher national levels of unmet need for family planning. Annual disbursements of donor funding supporting family planning are far short of projected and estimated levels necessary to address unmet need for family planning. The reimposition of the US Global Gag Rule will precipitate an even greater shortfall if other donors and recipient countries do not find substantial alternative sources of funding. PMID:29534176

"More money for health - more health for the money": a human resources for health perspective

PubMed Central

2011-01-01

Background At the MDG Summit in September 2010, the UN Secretary-General launched the Global Strategy for Women's and Children's Health. Central within the Global Strategy are the ambitions of "more money for health" and "more health for the money". These aim to leverage more resources for health financing whilst simultaneously generating more results from existing resources - core tenets of public expenditure management and governance. This paper considers these ambitions from a human resources for health (HRH) perspective. Methods Using data from the UK Department for International Development (DFID) we set out to quantify and qualify the British government's contributions on HRH in developing countries and to establish a baseline.. To determine whether activities and financing could be included in the categorisation of 'HRH strengthening' we adopted the Agenda for Global Action on HRH and a WHO approach to the 'working lifespan' of health workers as our guiding frameworks. To establish a baseline we reviewed available data on Official Development Assistance (ODA) and country reports, undertook a new survey of HRH programming and sought information from multilateral partners. Results In financial year 2008/9 DFID spent £901 million on direct 'aid to health'. Due to the nature of the Creditor Reporting System (CRS) of the Organisation for Economic Co-operation and Development (OECD) it is not feasible to directly report on HRH spending. We therefore employed a process of imputed percentages supported by detailed assessment in twelve countries. This followed the model adopted by the G8 to estimate ODA on maternal, newborn and child health. Using the G8's model, and cognisant of its limitations, we concluded that UK 'aid to health' on HRH strengthening is approximately 25%. Conclusions In quantifying DFID's disbursements on HRH we encountered the constraints of the current CRS framework. This limits standardised measurement of ODA on HRH. This is a governance issue that will benefit from further analysis within more comprehensive programmes of workforce science, surveillance and strategic intelligence. The Commission on Information and Accountability for Women's and Children's Health may present an opportunity to partially address the limitations in reporting on ODA for HRH and present solutions to establish a global baseline. PMID:21762511