Federal regulations (91 - 100 of 153 items)
Small Business Participation in the Alaska Natural Gas Pipeline Project
GAO-05-860R: Published: Aug 4, 2005. Publicly Released: Aug 4, 2005.
Alaska currently holds 35 trillion cubic feet of proven recoverable natural gas resources, about 19 percent of total U.S. reserves. Efforts to construct a pipeline to transport this natural gas from Alaska's North Slope to the lower 48 states have been stalled since 1982. The recent increase in natural gas prices has renewed interest in completing the pipeline, a project that is estimated to cost...
Unfunded Mandates: Analysis of Reform Act's Coverage and Views on Possible Next Steps
GAO-05-533T: Published: Apr 14, 2005. Publicly Released: Apr 14, 2005.
The Unfunded Mandates Reform Act of 1995 (UMRA) was enacted to address concerns about federal statutes and regulations that require nonfederal parties to expend resources to achieve legislative goals without being provided funding to cover the costs. UMRA generates information about the nature and size of potential federal mandates but does not preclude the implementation of such mandates. At vari...
Credit Reporting Literacy: Consumers Understood the Basics but Could Benefit from Targeted Educational Efforts
GAO-05-223: Published: Mar 16, 2005. Publicly Released: Mar 16, 2005.
This report responds to a mandate in the Fair and Accurate Credit Transactions Act (FACT Act) of 2003 requiring GAO to assess consumers' understanding of credit reporting. The FACT Act, among other things, extended provisions governing the credit reporting system and addressed ongoing concerns about inaccuracies in credit reports. For example, the act expanded access to credit information by entit...
Regulatory Programs: Opportunities to Enhance Oversight of the Real Estate Appraisal Industry
GAO-04-580T: Published: Mar 24, 2004. Publicly Released: Mar 24, 2004.
The appraisal and mortgage lending industry has changed dramatically since the passage of Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989. Some have concluded that the problems Title XI was intended to address--the risk to the federal deposit insurance funds and the lack of uniform standards and qualifications--no longer exist. This statement is based on GAO's...
Business-Owned Life Insurance: Preliminary Observations on Uses, Prevalence, and Regulatory Oversight
GAO-04-191T: Published: Oct 23, 2003. Publicly Released: Oct 23, 2003.
Business-owned life insurance is held by employers on the lives of their employees, and the employer is the beneficiary of these policies. Unless prohibited by state law, businesses can retain ownership of these policies regardless of whether the employment relationship has ended. Generally, business-owned life insurance is permanent, lasting for the life of the employee and accumulating cash valu...
Federal Deposit Insurance Act: FTC Best Among Candidates to Enforce Consumer Protection Provisions
GAO-03-971: Published: Aug 20, 2003. Publicly Released: Aug 20, 2003.
This mandated report responds to Congressional concerns that provisions in section 43 of the Federal Deposit Insurance Act (FDI Act) are not being enforced. Since 1991, section 43 has required, among other things, depository institutions lacking federal deposit insurance to conspicuously disclose that deposits in these institutions are not federally insured. GAO's objectives were to (1) determine...
Consumer Credit: Limited Information Exists on Extent of Credit Report Errors and Their Implications for Consumers
GAO-03-1036T: Published: Jul 31, 2003. Publicly Released: Jul 31, 2003.
Accurate credit reports are critical to the credit process--for consumers attempting to obtain credit and to lending institutions making decisions about extending credit. In today's sophisticated and highly calibrated credit markets, credit report errors can have significant monetary implications to consumers and credit granters. In recognition of the importance of this issue, the Senate Committee...
Small Business Administration: Review of Selected Personnel Practices
GGD-99-68: Published: Apr 23, 1999. Publicly Released: May 21, 1999.
Pursuant to a congressional request, GAO reviewed events related to personnel reassignments, appointments, and activities at the Small Business Administration (SBA).GAO noted that: (1) SBA made hundreds of appointments during the 1990s using competitive procedures for career appointments, special noncompetitive hiring authority for the Office of Advocacy, and political appointment procedures for o...
Business Regulation: California Manufacturers Use Multiple Strategies to Comply with Laws
HEHS-98-208: Published: Sep 30, 1998. Publicly Released: Oct 13, 1998.
Pursuant to a congressional request, GAO compiled a list of the federal and state laws that apply to California businesses of different sizes, and selected two industries within that state to illustrate compliance with selected laws, focusing on the: (1) requirements of federal and state laws affecting the workplace, tax-related, and environmental practices of California manufacturing firms of dif...
Small Business Administration: Few Reviews of Guaranteed Lenders Have Been Conducted
GGD-98-85: Published: Jun 11, 1998. Publicly Released: Jun 25, 1998.
Pursuant to a congressional request, GAO reviewed: (1) how the Small Business Administration (SBA) conducts on-site reviews to monitor participating lenders' compliance with its 7(a) loan program policies and procedures; and (2) what actions SBA is taking to comply with the preferred lender oversight provisions of the Small Business Programs Improvement Act of 1996 (SBPIA).GAO noted that: (1) prio...