Financial Institution Customer Protection Act of 2016

Cost and committee reports

Official records Congress.gov attaches to H.R. 766.

• CBO cost estimateThe Congressional Budget Office published “H.R. 766, Financial Institution Customer Protection Act of 2015” on September 4, 2015. CBO’s description reads “As ordered reported by the House Committee on Financial Services on July 29, 2015”.
  Read the CBO estimate ↗Source: Congressional Budget Office, September 4, 2015 ↗

  Evidence

  Field in the Congress.gov record

  cboCostEstimates

  CBO publication

  https://www.cbo.gov/publication/50802

  CBO publication date

  September 4, 2015

  Congress.gov bill record

  H.R. 766, 114th Congress

  Congress.gov API record

  https://api.congress.gov/v3/bill/114/hr/766

  Record last updated by Congress.gov

  April 7, 2025

  PORKER copy retrieved

  September 22, 2026

  Stored copy, SHA-256 of the file

  25d13e03b9a4a02717f1f66edc77062a3b57bc43359a40086f13801bf45a156f

• PORKER links to the estimate and does not repeat its dollar figures. Each estimate is for the version of the bill its description names; the bill may have changed since.

• Committee reportCongress.gov lists 1 committee report for this bill: H. Rept. 114-402 ↗. The Congress.gov committee record lists a “Reported By” entry for the Financial Services Committee on January 28, 2016.
  Source: Congress.gov, reported January 28, 2016 ↗

  Evidence

  Field in the Congress.gov record

  committeeReports

  Report API records

  https://api.congress.gov/v3/committee-report/114/HRPT/402

  Congress.gov bill record

  H.R. 766, 114th Congress

  Congress.gov API record

  https://api.congress.gov/v3/bill/114/hr/766

  Record last updated by Congress.gov

  April 7, 2025

  PORKER copy retrieved

  September 22, 2026

  Stored copy, SHA-256 of the file

  25d13e03b9a4a02717f1f66edc77062a3b57bc43359a40086f13801bf45a156f

  A committee report is the committee’s own explanation of the bill. PORKER lists it and links to it; reading it is up to you.

• Constitutional authority statementThe sponsor’s statement of where the Constitution gives Congress the power to pass this bill. Statement by Mr. LUETKEMEYER, as printed in the Congressional Record (Vol. 161, No. 20, February 5, 2015, Page H856):
  The constitutional authority on which this bill rests is the explicit power of Congress to regulate commerce in and among the states, as enumerate in Article 1, Section 8, Clause 3, the Commerce Clause, of the United States Constitution, and Article 1, Section 8, Clause 1, which grants Congress the ability to make laws necessary to carry out that power. Additionally, Article I, Section 7, Clause 2 of the Constitution allows for every bill passed by the House of Representatives and the Senate and signed by the President to be made law; and therefore it implicitly allows Congress to amend any bill that has been passed by both chambers and signed into law by the President.
  Source: Congress.gov, Congressional Record February 5, 2015 ↗

  Evidence

  Field in the Congress.gov record

  constitutionalAuthorityStatementText

  Statement length

  678 characters

  Congress.gov bill record

  H.R. 766, 114th Congress

  Congress.gov API record

  https://api.congress.gov/v3/bill/114/hr/766

  Record last updated by Congress.gov

  April 7, 2025

  PORKER copy retrieved

  September 22, 2026

  Stored copy, SHA-256 of the file

  25d13e03b9a4a02717f1f66edc77062a3b57bc43359a40086f13801bf45a156f

  PORKER shows the statement exactly as printed, with the page markup removed. It is the sponsor’s claim; it is not a legal finding.

From the Congress.gov bill record for H.R. 766, last updated April 7, 2025. PORKER’s copy was retrieved September 22, 2026 and is refreshed nightly. Open “Evidence” on any line for the record, field and file fingerprint.