S. 1767 (112th): Deceptive Loan Check Elimination Act

Oct 31, 2011 (112th Congress, 2011–2013)
Died (Referred to Committee)
Jeff Merkley
Junior Senator from Oregon
Read Text »
Last Updated
Oct 31, 2011
4 pages
Related Bills
S. 1595 (111th) was a previous version of this bill.

Referred to Committee
Last Action: Aug 06, 2009

S. 187 (113th) was a re-introduction of this bill in a later Congress.

Referred to Committee
Last Action: Jan 30, 2013


This bill was introduced on October 31, 2011, in a previous session of Congress, but was not enacted.

Introduced Oct 31, 2011
Referred to Committee Oct 31, 2011
Full Title

A bill to amend the Truth in Lending Act to prohibit the distribution of any check or other negotiable instrument as part of a solicitation by a creditor for an extension of credit, to limit the liability of consumers in conjunction with such solicitations, and for other purposes.


No summaries available.

1 cosponsors (1D) (show)

Senate Banking, Housing, and Urban Affairs

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Primary Source

THOMAS.gov (The Library of Congress)

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S. stands for Senate bill.

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GovTrack’s Bill Summary

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Library of Congress Summary

The summary below was written by the Congressional Research Service, which is a nonpartisan division of the Library of Congress.

Deceptive Loan Check Elimination Act - Amends the Truth in Lending Act (TILA) to prohibit a person from extending any consumer credit through the use by the consumer of a check or other negotiable instrument sent by the creditor to solicit an extension of consumer credit, unless the consumer has requested it in writing.
States that a nonnegotiable instrument that has the appearance of a negotiable instrument in connection with a solicitation for an extension of credit is not an application or request for purposes of this Act.
Shields a consumer from liability for: (1) the principal amount of a negotiable instrument sent in violation of this Act; or (2) any interest, fee, or penalty charged in connection with such negotiable instrument.
Prohibits any information relating to the liability of a consumer alleged by a creditor to have been established through a negotiable instrument sent in violation of this Act from being either reported to or received by any consumer reporting agency, or from being included in any consumer report.

House Republican Conference Summary

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No summary available.

House Democratic Caucus Summary

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