Arc 001: Economy, Cost of Living & InflationPolicy Paper 4 — Personal & Household Finance

PP_04_Arc001_PersonalHouseholdFinance.docx

Balance Sheets, Shock Absorption, and the Defensive Capacity of American Households

Annex B — Bibliography

Consumer Financial Protection Statutes

• Dodd-Frank Wall Street Reform and Consumer Protection Act (CFPB Title X), Pub. L. No. 111-203, codified at 12 U.S.C. §§ 5481 et seq. https://uscode.house.gov/view.xhtml?path=/prelim@title12/chapter53/subchapterV&edition=prelim

• Truth in Lending Act, codified at 15 U.S.C. §§ 1601 et seq. https://uscode.house.gov/view.xhtml?path=/prelim@title15/chapter41/subchapterI&edition=prelim

• Credit CARD Act of 2009, Pub. L. No. 111-24, codified at 15 U.S.C. §§ 1665 et seq. https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1665&num=0&edition=prelim

• Fair Credit Reporting Act, codified at 15 U.S.C. § 1681 et seq. https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681&num=0&edition=prelim

• Fair Debt Collection Practices Act, codified at 15 U.S.C. §§ 1692 et seq. https://uscode.house.gov/view.xhtml?path=/prelim@title15/chapter41/subchapterV&edition=prelim

• Equal Credit Opportunity Act, codified at 15 U.S.C. § 1691 et seq. https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1691&num=0&edition=prelim

• Military Lending Act, codified at 10 U.S.C. § 987. https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title10-section987&num=0&edition=prelim

Retirement and Savings Statutes

• Employee Retirement Income Security Act of 1974 (ERISA), codified as amended at 29 U.S.C. §§ 1001 et seq. https://uscode.house.gov/view.xhtml?path=/prelim@title29/chapter18&edition=prelim

• Setting Every Community Up for Retirement Enhancement Act 2.0 of 2022 (SECURE 2.0), Pub. L. No. 117-328 (Division T). https://www.congress.gov/bill/117th-congress/house-bill/2617

• Internal Revenue Code, Subchapter D (Deferred Compensation, Etc.) at 26 U.S.C. §§ 401–425 (including § 401(k) plans, § 408 IRAs). https://uscode.house.gov/view.xhtml?path=/prelim@title26/subtitleA/chapter1/subchapterD&edition=prelim

• Qualified Tuition Programs, 26 U.S.C. § 529. https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title26-section529&num=0&edition=prelim

• Health Savings Accounts, 26 U.S.C. § 223. https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title26-section223&num=0&edition=prelim

• Retirement Savings Contribution Credit (Saver's Credit / Saver's Match), 26 U.S.C. § 25B. https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title26-section25B&num=0&edition=prelim

Banking and Community-Reinvestment Statutes

• Community Reinvestment Act of 1977, codified at 12 U.S.C. §§ 2901 et seq. https://uscode.house.gov/view.xhtml?path=/prelim@title12/chapter30&edition=prelim

• Riegle Community Development and Regulatory Improvement Act of 1994 (CDFI Fund), codified at 12 U.S.C. §§ 4701 et seq. https://uscode.house.gov/view.xhtml?path=/prelim@title12/chapter47&edition=prelim

Unemployment Insurance and Income-Support Statutes

• Social Security Act, Title III (Grants to States for Unemployment Compensation Administration), codified at 42 U.S.C. §§ 501 et seq. https://uscode.house.gov/view.xhtml?path=/prelim@title42/chapter7/subchapterIII&edition=prelim

• Federal Unemployment Tax Act, codified at 26 U.S.C. §§ 3301 et seq. https://uscode.house.gov/view.xhtml?path=/prelim@title26/chapter23&edition=prelim

Student Loan and Education Statutes

• Higher Education Act of 1965, as amended, codified at 20 U.S.C. §§ 1001 et seq. https://uscode.house.gov/view.xhtml?path=/prelim@title20/chapter28&edition=prelim

• Treasury Offset Authority, codified at 31 U.S.C. § 3720A. https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title31-section3720A&num=0&edition=prelim

Bankruptcy Code

• Bankruptcy Code, codified at 11 U.S.C. (Title 11). https://uscode.house.gov/view.xhtml?path=/prelim@title11&edition=prelim

• Student-Loan Discharge in Bankruptcy, 11 U.S.C. § 523(a)(8). https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title11-section523&num=0&edition=prelim

Federal Reserve and Federal Statistical Sources

• Board of Governors of the Federal Reserve System, Survey of Consumer Finances (triennial; primary source for household wealth distribution data). https://www.federalreserve.gov/econres/scfindex.htm

• Board of Governors of the Federal Reserve System, Survey of Household Economics and Decisionmaking (SHED) (annual; primary source for household financial-resilience indicators including the "$400 unexpected expense" indicator). https://www.federalreserve.gov/consumerscommunities/shed.htm

• Federal Reserve Bank of New York, Quarterly Report on Household Debt and Credit. https://www.newyorkfed.org/microeconomics/hhdc

• Board of Governors of the Federal Reserve System, Consumer Credit — G.19 Release (monthly). https://www.federalreserve.gov/releases/g19/

• Federal Deposit Insurance Corporation, National Survey of Unbanked and Underbanked Households (biennial). https://www.fdic.gov/household-survey

• U.S. Department of Agriculture, Economic Research Service, Persistent Poverty Counties Designation (decennial). https://www.ers.usda.gov/topics/rural-economy-population/rural-poverty-well-being/

• Eviction Lab, Princeton University, National Eviction Filing Database (academic source for eviction-filing volumes by district). https://evictionlab.org/

Cross-Reference — Historical Bibliography

• Policy Paper 1 — Pre-Arc Rollout Introduction, Annex B (historical statutes from 1913 forward). https://1drv.ms/w/c/1f5431cdf469fac5/IQAbhTizLEnERrx8KYbHNvPEAVPbT6ylaoCJWgxXO1MguYk?e=MVlpgx

Ginsburg 2028 Campaign Canonical Documents (Forward References)

• Economy, Cost of Living, and Inflation Stabilization Act of 2029 (ECLIA Act) (canonical working draft, Ginsburg 2028 Campaign, 2026) [URL to be inserted at substitution pass].

• Taxation Act of 2029 (canonical working draft, Ginsburg 2028 Campaign, 2026) [URL to be inserted at substitution pass].

• Healthcare Access, Quality, and Cost Act of 2029 (HAQCA) (canonical working draft, Ginsburg 2028 Campaign, 2026) [URL to be inserted at substitution pass].