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Title
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Interest rates on consumer and commercial loans: Why the difference?
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Date
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1985
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Summary
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This paper, using the period from May 1982 to May 1983 as a case study, will examine the reasons for the inflexibility of rates charged by banks on consumer loans relative to rates charged by banks on business loans. The first half of the paper will attempt to establish the differences, and the reasons for such differences, in changes between consumer loan rates and commercial loan charges. The second half of the paper will analyze the reasons for these differences in light of bank yields on outstanding loans to consumers and businesses from 1966 through 1983. Finally, current data will be examined from the point of view of the conclusions reached in the report.
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Title
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Laws implicated by shipments of military materials to Iran
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Date
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1986
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Summary
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Laws Implicated By Shipments of Military Materials to Iran, Raymond J. Celada, Senior Specialist. November 20, 1986, revised November 24, 1986. Covert shipments of war materials to Iran raise issues concerning the wisdom of Administration policies and the legality of the shipments and the procedures followed in making them. This report deals with the legal issues and highlights the following authorities as being immediately implicated: the Arms Export Control Act, the Foreign Assistance Act, the Export Administration Act, the National Security Act, the Hostage Act, and potentially various funding and expenditure regulations.
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Title
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Housing requirements in rural areas
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Date
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1986
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Summary
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Federal housing policy for rural areas is now at a crossroads. Since 1949 more than two million rural families have received benefits through housing programs of the Farmers Home Administration (FmHA) and about 700,000 through the deep-subsidy programs of the Department of Housing and Urban Development (HUD). Early in 1985 the Reagan Administration proposed that additional aid under these programs be suspended for two years, after which all subsidized housing in rural areas would be provided by HUD. While Congress has not yet concurred in these proposed changes, deep cutbacks in proggram levels are expected in the process of reducing the Federal budget deficit. In this transition period, legislators and community groups are going back to the drawing board and asking basic questions about rural housing needs and programs. The questions include the following: (1) What kinds of housing difficulties face low and moderate income families in rural areas? (2) Is there a chronic credit gap for housing in rural areas? (3) What is the connection between the problems of the farm economy and housing problems in rural areas? (4) Are the Federal and State programs now in place able to deal effectively with these problems? (5) Are additional or alternative measures--private as well as public--called for?
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Title
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Implementation of medicare's hospice benefit
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Date
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1984
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Summary
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This document provides (1) background information on hospice care and a summary of current law provisions authorizing coverage for hospice care under Medicare; (2) information on the National Hospice Study; (3) information on the implementation of the hospice benefit; and (4) a discussion of hospice issues.
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Title
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The subsidization of natural resources in the United States
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Date
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1986
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Summary
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The objective of this report is to review the various ways or forms in which the Federal Government affects the costs of mining and natural resource-based products of the United States. The report describes how current Federal laws and polices affect the market costs of livestock, timber, food and fiber, fisheries, water, hardrock mining, fuel minerals, oil and gas, hydroelectric power, and petroleum substitutes. The analysis is not restricted to any particular definition of subsidy, but rather attempts to identify any domestic circumstances where it would be possible to suggest that natural resource-based products marketed by the United States are not paying the full, immediate cost of producing or consuming that resource. The report also identifies some of the broader forms of assistance provided to U.S. industry that affect all industry, not just natural resources, or are applicable to more than one resource industry category.
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