Fact
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se
Senate Floor: STATEMENT ON INTRODUCED BILLS AND JOINT RESOLUTIONS
1 Topic
Entities
Moderation
10 Speakers
Entities
No entities found
Moderation
No moderation found
Speakers
Carl Levin Carl Levin said 227 sentences of a total of 608 sentences.
38%
Carl Levin said 5716 words of a total of 13333 words.
43%
Lamar Alexander Lamar Alexander said 83 sentences of a total of 608 sentences.
14%
Lamar Alexander said 1898 words of a total of 13333 words.
15%
Mike Enzi Mike Enzi said 48 sentences of a total of 608 sentences.
8%
Mike Enzi said 1191 words of a total of 13333 words.
9%
Jim Inhofe Jim Inhofe said 66 sentences of a total of 608 sentences.
11%
Jim Inhofe said 936 words of a total of 13333 words.
8%
Joe Biden Joe Biden said 47 sentences of a total of 608 sentences.
8%
Joe Biden said 928 words of a total of 13333 words.
7%
Chuck Grassley Chuck Grassley said 47 sentences of a total of 608 sentences.
8%
Chuck Grassley said 765 words of a total of 13333 words.
6%
Debbie Stabenow Debbie Stabenow said 25 sentences of a total of 608 sentences.
5%
Debbie Stabenow said 626 words of a total of 13333 words.
5%
John Kerry John Kerry said 31 sentences of a total of 608 sentences.
6%
John Kerry said 521 words of a total of 13333 words.
4%
Harry Reid Harry Reid said 21 sentences of a total of 608 sentences.
4%
Harry Reid said 426 words of a total of 13333 words.
4%
Ben Nelson Ben Nelson said 13 sentences of a total of 608 sentences.
3%
Ben Nelson said 326 words of a total of 13333 words.
3%
Full Transcript
Ben Nelson
Mr. NELSON of Nebraska. Mr. President, today I join House Majority Leader Steny Hoyer in introducing legislation seeking to strengthen our local communities through coordinated school-based efforts. The Full- Service Community Schools Act establishes an important grant program supporting a variety of community services, ranging from early childhood education and family literacy efforts to job training and nutrition services. Our schools have long served as the bedrock of local communities; and in a time when Federal dollars have been used as an invasive hand, I believe additional resources should be allocated to local areas supporting enterprising instruction, public health, job training and overall community and parental engagement.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0.65217
Very Positive
Harvard-IV (Absolute)
0.65217
Very Positive
Harvard-IV (Logit)
1.46634
VADER
0.969
Very Positive
Moderation
Violence
0.0048052945
OpenAI Moderation v1 (007)
Harassment
0.0025990399
OpenAI Moderation v1 (007)
Sexual
0.0023185443
OpenAI Moderation v1 (007)
Violence > Graphic
0.0021615509
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002572175
OpenAI Moderation v1 (007)
Hate
0.0001870146
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001607532
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.02163E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.1371E-6
OpenAI Moderation v1 (007)
Self-Harm
5.2004E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.839E-7
OpenAI Moderation v1 (007)
Topics
Topic:
Education > School
Score:
100
Magnitude:
0.159
Code:
5005000
Url:
https://cv.iptc.org/newscodes/subjectcode/05005000
Wikidata_id:
Q3914
Wikidata_label:
school
Source:
IPTC Subject
Topic:
Education
Score:
97.484
Magnitude:
107
Code:
6
Url:
https://fsc.al/cap-mc#6
Source:
Comparative Agendas
Topic:
Economy, Business and Finance > Business (General) > Institution
Score:
61
Magnitude:
0.097
Code:
4018001
Url:
https://cv.iptc.org/newscodes/subjectcode/04018001
Wikidata_id:
Q159810
Wikidata_label:
economy
Source:
IPTC Subject
Topic:
Social Issue > Family
Score:
58
Magnitude:
0.093
Code:
14006000
Url:
https://cv.iptc.org/newscodes/subjectcode/14006000
Wikidata_id:
Q8436
Wikidata_label:
family
Source:
IPTC Subject
Topic:
Social Issue > Family > Courtship
Score:
51
Magnitude:
0.081
Code:
14006006
Url:
https://cv.iptc.org/newscodes/subjectcode/14006006
Wikidata_id:
Q376596
Wikidata_label:
courtship
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
20.9
Gunning-Fog Score
17.2
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
48
Sprache Difficult Word Count
45
Ben Nelson
The Full-Service Community Schools Act will direct the Department of Education to award grants to local educational agencies and one or more community-based organizations, nonprofit organizations, or other public/private entities. These full-service community school dollars will improve the coordination, delivery, effectiveness, and efficiency of services provided to our children and families. Funds will be awarded to those grantees coordinating at least 3 services at a school site, including early childhood programs; literacy and reading programs for youth and families; parenting education activities; community service; job training and career counseling services; nutrition services; primary health and dental care; and preventive mental health and treatment services.
Sentiment
Loughran McDonald (Relative)
0.5
Positive
Loughran McDonald (Absolute)
0.5
Positive
Loughran McDonald (Logit)
0.8473
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
1.05861
VADER
0.94
Very Positive
Moderation
Harassment
0.9060412645
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0144567501
OpenAI Moderation v1 (007)
Violence
0.0053068445
OpenAI Moderation v1 (007)
Hate
0.0052273303
OpenAI Moderation v1 (007)
Violence > Graphic
0.0003959019
OpenAI Moderation v1 (007)
Sexual
9.93768E-5
OpenAI Moderation v1 (007)
Sexual > Minors
2.7224E-6
OpenAI Moderation v1 (007)
Hate > Threatening
6.693E-7
OpenAI Moderation v1 (007)
Self-Harm
4.143E-7
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.624E-7
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.84E-8
OpenAI Moderation v1 (007)
Topics
Topic:
Health > Government Health Care
Score:
100
Magnitude:
0.856
Code:
7011000
Url:
https://cv.iptc.org/newscodes/subjectcode/07011000
Wikidata_id:
Q1519138
Wikidata_label:
national health insurance
Source:
IPTC Subject
Topic:
Education
Score:
97.461
Magnitude:
104
Code:
6
Url:
https://fsc.al/cap-mc#6
Source:
Comparative Agendas
Topic:
Education > School > Elementary Schools
Score:
65
Magnitude:
0.558
Code:
5005001
Url:
https://cv.iptc.org/newscodes/subjectcode/05005001
Wikidata_id:
Q9842
Wikidata_label:
primary school
Source:
IPTC Subject
Topic:
Health > Health Treatment
Score:
60
Magnitude:
0.517
Code:
7003000
Url:
https://cv.iptc.org/newscodes/subjectcode/07003000
Wikidata_id:
Q9353606
Wikidata_label:
health service
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
0
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
44
Sprache Difficult Word Count
45
Ben Nelson
Priority will be given to grantees demonstrating a record of effectiveness and serving at least two schools in which at least 40 percent of the children are from low-income families. These targeted efforts will support a more efficient use of Federal, State, local, and private-sector dollars serving the needs of children and families. A synergy of community engagement, parental enthusiasm, and local leadership is what America needs to address the growing challenges of our time; and I will continue working with my colleagues to ensure such efforts have the support of Congress. I encourage Senators to join me by cosponsoring the Full-Service Community Schools Act of 2007.
Sentiment
Loughran McDonald (Relative)
0.66667
Very Positive
Loughran McDonald (Absolute)
0.66667
Very Positive
Loughran McDonald (Logit)
1.29928
Harvard-IV (Relative)
0.42857
Positive
Harvard-IV (Absolute)
0.42857
Positive
Harvard-IV (Logit)
0.86904
VADER
0.97
Very Positive
Moderation
Harassment
0.9891308844
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0361543644
OpenAI Moderation v1 (007)
Violence
0.0188431659
OpenAI Moderation v1 (007)
Violence > Graphic
0.0124648257
OpenAI Moderation v1 (007)
Hate
0.0049743649
OpenAI Moderation v1 (007)
Sexual
0.0013336219
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004524125
OpenAI Moderation v1 (007)
Self-Harm
0.0002579586
OpenAI Moderation v1 (007)
Self-Harm > Intent
6.38559E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.41575E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.14216E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Social Issue > Family
Score:
100
Magnitude:
0.435
Code:
14006000
Url:
https://cv.iptc.org/newscodes/subjectcode/14006000
Wikidata_id:
Q8436
Wikidata_label:
family
Source:
IPTC Subject
Topic:
Education
Score:
97.243
Magnitude:
105
Code:
6
Url:
https://fsc.al/cap-mc#6
Source:
Comparative Agendas
Topic:
Labor > Employment > Child Labor
Score:
58
Magnitude:
0.253
Code:
9003003
Url:
https://cv.iptc.org/newscodes/subjectcode/09003003
Wikidata_id:
Q192571
Wikidata_label:
child labour
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
37.4
Gunning-Fog Score
17.2
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
37
Sprache Difficult Word Count
36
Lamar Alexander
Mr. President, Senators from both parties are working very hard these days to put together an immigration bill. The majority leader is working hard to create an environment in which that can happen, and I appreciate his doing that. It is not easy to do. But it is absolutely essential that we have a comprehensive immigration bill.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.3979
VADER
0.708
Very Positive
Moderation
Harassment
5.3818315268
OpenAI Moderation v1 (007)
Harassment > Threatening
1.0423629545
OpenAI Moderation v1 (007)
Violence
0.0888415845
OpenAI Moderation v1 (007)
Violence > Graphic
0.0253392267
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0082638333
OpenAI Moderation v1 (007)
Self-Harm
0.0022266049
OpenAI Moderation v1 (007)
Hate
0.0018721283
OpenAI Moderation v1 (007)
Sexual
0.0007445511
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0005522617
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002265257
OpenAI Moderation v1 (007)
Hate > Threatening
7.49343E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Social Issue > Demographics > Immigration
Score:
100
Magnitude:
0.357
Code:
14003002
Url:
https://cv.iptc.org/newscodes/subjectcode/14003002
Wikidata_id:
Q131288
Wikidata_label:
immigration
Source:
IPTC Subject
Topic:
Politics > Migration
Score:
98
Magnitude:
0.349
Code:
11017000
Url:
https://cv.iptc.org/newscodes/subjectcode/11017000
Wikidata_id:
Q15064326
Wikidata_label:
immigration policy
Source:
IPTC Subject
Topic:
Immigration
Score:
94.569
Magnitude:
57
Code:
9
Url:
https://fsc.al/cap-mc#9
Source:
Comparative Agendas
Topic:
Politics > Parliament
Score:
73
Magnitude:
0.259
Code:
11009000
Url:
https://cv.iptc.org/newscodes/subjectcode/11009000
Wikidata_id:
Q35749
Wikidata_label:
parliament
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
7.9
Flesch-Kincaid Ease
58.7
Gunning-Fog Score
10.9
Coleman-Liau Index
11.9
SMOG Index
11.3
Automated Readability Index
6.4
Dale-Chall Readability Score
4.7
Sprache Readability Score
3.3
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
15
Lamar Alexander
This is not something Members of the Congress can blame on anybody else. It is not the Governors' job, it is not the mayors' job, it is not the county commissioners' job, it is not the Sheriff's job, it is our job to decide what our immigration policy should be. It is our job to secure the border. It is our job to make certain that those who come here are legally here. It is also our job to make sure that those who come here legally have an opportunity to become Americans, a chance to become part of our country.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0.77778
Very Positive
Harvard-IV (Absolute)
0.77778
Very Positive
Harvard-IV (Logit)
1.7346
VADER
0.84
Very Positive
Moderation
Harassment
2.846702747
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0438972522
OpenAI Moderation v1 (007)
Violence
0.0042256484
OpenAI Moderation v1 (007)
Hate
0.0023205441
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0009760781
OpenAI Moderation v1 (007)
Violence > Graphic
0.0006892066
OpenAI Moderation v1 (007)
Sexual
0.0001409249
OpenAI Moderation v1 (007)
Self-Harm
0.0001141519
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.90849E-5
OpenAI Moderation v1 (007)
Sexual > Minors
2.91359E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.4013E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Labor > Employment > Occupations
Score:
100
Magnitude:
0.125
Code:
9003004
Url:
https://cv.iptc.org/newscodes/subjectcode/09003004
Wikidata_id:
Q12737077
Wikidata_label:
occupation
Source:
IPTC Subject
Topic:
Immigration
Score:
94.793
Magnitude:
60
Code:
9
Url:
https://fsc.al/cap-mc#9
Source:
Comparative Agendas
Topic:
Politics > Local Authority
Score:
56
Magnitude:
0.07
Code:
11008000
Url:
https://cv.iptc.org/newscodes/subjectcode/11008000
Wikidata_id:
Q6501447
Wikidata_label:
local government
Source:
IPTC Subject
Topic:
Social Issue > Demographics > Immigration
Score:
53
Magnitude:
0.066
Code:
14003002
Url:
https://cv.iptc.org/newscodes/subjectcode/14003002
Wikidata_id:
Q131288
Wikidata_label:
immigration
Source:
IPTC Subject
Topic:
Politics > Migration
Score:
52
Magnitude:
0.065
Code:
11017000
Url:
https://cv.iptc.org/newscodes/subjectcode/11017000
Wikidata_id:
Q15064326
Wikidata_label:
immigration policy
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
8.9
Flesch-Kincaid Ease
67.4
Gunning-Fog Score
11.2
Coleman-Liau Index
7.7
SMOG Index
11.3
Automated Readability Index
7.5
Dale-Chall Readability Score
3
Sprache Readability Score
4.4
Dale-Chall Difficult Word Score
13
Sprache Difficult Word Count
16
Lamar Alexander
We have a motto above our wall that says, "One from many." It doesn't say "Many from one." We are very proud of our magnificent diversity in this country. People come here from virtually every country in the world. Anyone who has gone to the naturalization ceremonies can attest, where last year 650,000 new citizens stood in courthouses all across America, raised their right hands and swore their allegiance to this country -- nothing is more moving than that. But as much as we prize that diversity, what we prize even more is our ability to turn all that diversity into one country.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.65393
VADER
0.947
Very Positive
Moderation
Harassment
0.0484126998
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0235457759
OpenAI Moderation v1 (007)
Violence > Graphic
0.0142033256
OpenAI Moderation v1 (007)
Violence
0.0064146196
OpenAI Moderation v1 (007)
Sexual
0.0013365808
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0005278602
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002110273
OpenAI Moderation v1 (007)
Hate
0.0001261622
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001197893
OpenAI Moderation v1 (007)
Self-Harm
0.0001010806
OpenAI Moderation v1 (007)
Hate > Threatening
1.31958E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Human Interest > Award and Prize
Score:
100
Magnitude:
0.139
Code:
8006000
Url:
https://cv.iptc.org/newscodes/subjectcode/08006000
Wikidata_id:
Q618779
Wikidata_label:
award
Source:
IPTC Subject
Topic:
Immigration
Score:
88.24
Magnitude:
35
Code:
9
Url:
https://fsc.al/cap-mc#9
Source:
Comparative Agendas
Topic:
Crime, Law and Justice > Justice and Rights
Score:
63
Magnitude:
0.088
Code:
2007000
Url:
https://cv.iptc.org/newscodes/subjectcode/02007000
Wikidata_id:
Q5167661
Wikidata_label:
justice
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
9.2
Flesch-Kincaid Ease
59.6
Gunning-Fog Score
11.5
Coleman-Liau Index
10.5
SMOG Index
11.7
Automated Readability Index
8.2
Dale-Chall Readability Score
3.2
Sprache Readability Score
4.2
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
18
Lamar Alexander
Unity is harder than diversity. There are a lot of diverse countries in the world, and they are ripped apart by their differences. We have been fortunate. As other countries struggle with the idea of becoming French, becoming German, becoming Japanese -- it is hard to do. But in this country, if you become a citizen, you have to become an American.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
-0.42857
Negative
Harvard-IV (Absolute)
-0.42857
Negative
Harvard-IV (Logit)
-0.78846
VADER
0.052
Neutral
Moderation
Harassment
0.0929588219
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0271884375
OpenAI Moderation v1 (007)
Violence
0.0138514442
OpenAI Moderation v1 (007)
Violence > Graphic
0.0023718625
OpenAI Moderation v1 (007)
Sexual > Minors
0.0016713037
OpenAI Moderation v1 (007)
Sexual
0.0014323632
OpenAI Moderation v1 (007)
Hate
0.0004107579
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003458696
OpenAI Moderation v1 (007)
Self-Harm
0.0002551323
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001050524
OpenAI Moderation v1 (007)
Hate > Threatening
1.26405E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Politics
Score:
100
Magnitude:
0.054
Code:
11000000
Url:
https://cv.iptc.org/newscodes/subjectcode/11000000
Wikidata_id:
Q7163
Wikidata_label:
politics
Source:
IPTC Subject
Topic:
Immigration
Score:
41.073
Magnitude:
111
Code:
9
Url:
https://fsc.al/cap-mc#9
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
7.9
Flesch-Kincaid Ease
59.9
Gunning-Fog Score
10.1
Coleman-Liau Index
10.9
SMOG Index
11.7
Automated Readability Index
6.1
Dale-Chall Readability Score
3.5
Sprache Readability Score
3.4
Dale-Chall Difficult Word Score
11
Sprache Difficult Word Count
15
Lamar Alexander
How do you do that? You don't do it by your race. In fact, our Constitution says that race cannot be used.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0
Neutral
Moderation
Harassment
1.4166736975
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0146038903
OpenAI Moderation v1 (007)
Violence
0.0067294539
OpenAI Moderation v1 (007)
Hate
0.0048427963
OpenAI Moderation v1 (007)
Violence > Graphic
0.0008499966
OpenAI Moderation v1 (007)
Sexual
0.0003387519
OpenAI Moderation v1 (007)
Sexual > Minors
4.05941E-5
OpenAI Moderation v1 (007)
Self-Harm
3.05621E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.14146E-5
OpenAI Moderation v1 (007)
Hate > Threatening
9.8716E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.7124E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Politics > Constitution
Score:
100
Magnitude:
0.135
Code:
11015000
Url:
https://cv.iptc.org/newscodes/subjectcode/11015000
Wikidata_id:
Q7755
Wikidata_label:
constitution
Source:
IPTC Subject
Topic:
International Affairs
Score:
61.038
Magnitude:
53
Code:
19
Url:
https://fsc.al/cap-mc#19
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
1.8
Flesch-Kincaid Ease
95.6
Gunning-Fog Score
2.9
Coleman-Liau Index
5.6
SMOG Index
6.6
Automated Readability Index
0
Dale-Chall Readability Score
1.1
Sprache Readability Score
1.8
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
3
Lamar Alexander
You don't do it by any other form of ancestry. It doesn't matter where your grandparents came from. What does matter is that you subscribe to a few principles and that you learn a common language. Those are the most basic elements of the unity, this fragile and important unity that makes us the United States of America instead of just another United Nations.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.83333
Very Positive
Harvard-IV (Absolute)
0.83333
Very Positive
Harvard-IV (Logit)
2.03688
VADER
0.756
Very Positive
Moderation
Violence
0.0133266542
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0018592093
OpenAI Moderation v1 (007)
Violence > Graphic
0.0007412121
OpenAI Moderation v1 (007)
Harassment
0.0007351986
OpenAI Moderation v1 (007)
Sexual
0.0001451171
OpenAI Moderation v1 (007)
Hate
8.80504E-5
OpenAI Moderation v1 (007)
Sexual > Minors
5.67029E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.0554E-5
OpenAI Moderation v1 (007)
Self-Harm
3.856E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.8995E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.307E-7
OpenAI Moderation v1 (007)
Topics
Topic:
Unrest, Conflicts and War
Score:
100
Magnitude:
0.14
Code:
16000000
Url:
https://cv.iptc.org/newscodes/subjectcode/16000000
Wikidata_id:
Q198
Wikidata_label:
war
Source:
IPTC Subject
Topic:
Education
Score:
73.692
Magnitude:
123
Code:
6
Url:
https://fsc.al/cap-mc#6
Source:
Comparative Agendas
Topic:
Arts, Culture and Entertainment > Language
Score:
67
Magnitude:
0.094
Code:
1008000
Url:
https://cv.iptc.org/newscodes/subjectcode/01008000
Wikidata_id:
Q315
Wikidata_label:
language
Source:
IPTC Subject
Topic:
Social Issue > Family
Score:
52
Magnitude:
0.072
Code:
14006000
Url:
https://cv.iptc.org/newscodes/subjectcode/14006000
Wikidata_id:
Q8436
Wikidata_label:
family
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
8.5
Flesch-Kincaid Ease
62.4
Gunning-Fog Score
10.8
Coleman-Liau Index
10.9
SMOG Index
12
Automated Readability Index
7.9
Dale-Chall Readability Score
4.5
Sprache Readability Score
3.9
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
16
Lamar Alexander
In anticipation of the immigration debate next week, I introduce today, along with Senators Cochran and Cornyn, what we call the Strengthening American Citizenship Act. It is an essential part of any immigration bill because it addresses what happens after one lawfully becomes a resident of this country and begins to think about lawfully becoming a citizen.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.557
Very Positive
Moderation
Harassment
0.2014047001
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0174956906
OpenAI Moderation v1 (007)
Violence
0.0112575704
OpenAI Moderation v1 (007)
Sexual
0.0012493651
OpenAI Moderation v1 (007)
Violence > Graphic
0.0009097091
OpenAI Moderation v1 (007)
Hate
0.0005966548
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004224646
OpenAI Moderation v1 (007)
Hate > Threatening
3.06148E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.1107E-6
OpenAI Moderation v1 (007)
Self-Harm
1.8533E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.777E-7
OpenAI Moderation v1 (007)
Topics
Topic:
Social Issue > Demographics > Immigration
Score:
100
Magnitude:
0.103
Code:
14003002
Url:
https://cv.iptc.org/newscodes/subjectcode/14003002
Wikidata_id:
Q131288
Wikidata_label:
immigration
Source:
IPTC Subject
Topic:
Politics > Migration
Score:
97
Magnitude:
0.1
Code:
11017000
Url:
https://cv.iptc.org/newscodes/subjectcode/11017000
Wikidata_id:
Q15064326
Wikidata_label:
immigration policy
Source:
IPTC Subject
Topic:
Politics > Parliament
Score:
70
Magnitude:
0.072
Code:
11009000
Url:
https://cv.iptc.org/newscodes/subjectcode/11009000
Wikidata_id:
Q35749
Wikidata_label:
parliament
Source:
IPTC Subject
Topic:
Education
Score:
65.627
Magnitude:
65
Code:
6
Url:
https://fsc.al/cap-mc#6
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
22.1
Gunning-Fog Score
18.4
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
17
Lamar Alexander
This legislation will help legal immigrants who are prospective American citizens learn our common language and learn about our ways of government. I introduced this legislation last year, in the 109th Congress, when we considered an immigration bill. It had several cosponsors and it passed this body 91 to 1. It was an amendment to the Senate immigration bill, in April of 2006.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.56495
VADER
0.494
Positive
Moderation
Harassment
0.8222001605
OpenAI Moderation v1 (007)
Violence
0.0634465541
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0450232299
OpenAI Moderation v1 (007)
Violence > Graphic
0.0173562512
OpenAI Moderation v1 (007)
Sexual
0.0046631911
OpenAI Moderation v1 (007)
Hate
0.0037634902
OpenAI Moderation v1 (007)
Sexual > Minors
0.0022493559
OpenAI Moderation v1 (007)
Self-Harm
0.002012716
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0016976273
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.43965E-5
OpenAI Moderation v1 (007)
Hate > Threatening
9.4969E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Social Issue > Demographics > Immigration
Score:
100
Magnitude:
0.664
Code:
14003002
Url:
https://cv.iptc.org/newscodes/subjectcode/14003002
Wikidata_id:
Q131288
Wikidata_label:
immigration
Source:
IPTC Subject
Topic:
Politics > Migration
Score:
98
Magnitude:
0.65
Code:
11017000
Url:
https://cv.iptc.org/newscodes/subjectcode/11017000
Wikidata_id:
Q15064326
Wikidata_label:
immigration policy
Source:
IPTC Subject
Topic:
Immigration
Score:
86.314
Magnitude:
101
Code:
9
Url:
https://fsc.al/cap-mc#9
Source:
Comparative Agendas
Topic:
Crime, Law and Justice > Laws
Score:
57
Magnitude:
0.376
Code:
2006000
Url:
https://cv.iptc.org/newscodes/subjectcode/02006000
Wikidata_id:
Q7748
Wikidata_label:
law
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
9.5
Flesch-Kincaid Ease
55.2
Gunning-Fog Score
14.6
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
8.9
Dale-Chall Readability Score
5.3
Sprache Readability Score
4.3
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
21
Lamar Alexander
I hope the Senate will agree again to make it a part of the bill. It might not make the most headlines, but it will make as much lasting difference in immigration legislation as possible.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.8473
VADER
0.402
Positive
Moderation
Harassment
1.2330117635
OpenAI Moderation v1 (007)
Violence
0.0656061689
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0259807159
OpenAI Moderation v1 (007)
Hate
0.005200347
OpenAI Moderation v1 (007)
Violence > Graphic
0.0007908863
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002261644
OpenAI Moderation v1 (007)
Sexual
0.000109503
OpenAI Moderation v1 (007)
Self-Harm
2.52477E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.20172E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.3198E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.61E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Politics > Parliament
Score:
100
Magnitude:
0.104
Code:
11009000
Url:
https://cv.iptc.org/newscodes/subjectcode/11009000
Wikidata_id:
Q35749
Wikidata_label:
parliament
Source:
IPTC Subject
Topic:
Immigration
Score:
88.953
Magnitude:
44
Code:
9
Url:
https://fsc.al/cap-mc#9
Source:
Comparative Agendas
Topic:
Social Issue > Demographics > Immigration
Score:
83
Magnitude:
0.086
Code:
14003002
Url:
https://cv.iptc.org/newscodes/subjectcode/14003002
Wikidata_id:
Q131288
Wikidata_label:
immigration
Source:
IPTC Subject
Topic:
Politics > Migration
Score:
82
Magnitude:
0.085
Code:
11017000
Url:
https://cv.iptc.org/newscodes/subjectcode/11017000
Wikidata_id:
Q15064326
Wikidata_label:
immigration policy
Source:
IPTC Subject
Topic:
Crime, Law and Justice > Laws
Score:
67
Magnitude:
0.069
Code:
2006000
Url:
https://cv.iptc.org/newscodes/subjectcode/02006000
Wikidata_id:
Q7748
Wikidata_label:
law
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
8.1
Flesch-Kincaid Ease
68.2
Gunning-Fog Score
11.6
Coleman-Liau Index
9.4
SMOG Index
11.3
Automated Readability Index
7.5
Dale-Chall Readability Score
3.1
Sprache Readability Score
3.6
Dale-Chall Difficult Word Score
5
Sprache Difficult Word Count
10
Lamar Alexander
Here, in brief, is what the legislation would do. First, it would help prospective citizens learn English and it would do that in two ways. It would provide education grants of up to $500 for English courses for immigrants who declare their intent to become American citizens. They might use these grants of $500, for example, to go to any accredited agency such as "Fuentes," in Los Angeles, a place I happen to know about, which can do, for that amount of money, an excellent job of helping, in that case mostly Spanish-speaking citizens, learn also to speak English. So it is a $500 voucher, in effect, to help any lawful person learn English.
Sentiment
Loughran McDonald (Relative)
0.33333
Somewhat Positive
Loughran McDonald (Absolute)
0.33333
Somewhat Positive
Loughran McDonald (Logit)
0.51083
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
3.21888
VADER
0.92
Very Positive
Moderation
Violence
0.0222905495
OpenAI Moderation v1 (007)
Violence > Graphic
0.0133729394
OpenAI Moderation v1 (007)
Harassment
0.0042443262
OpenAI Moderation v1 (007)
Sexual
0.0019220475
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0009832757
OpenAI Moderation v1 (007)
Hate
0.0004794911
OpenAI Moderation v1 (007)
Sexual > Minors
5.47506E-5
OpenAI Moderation v1 (007)
Self-Harm
4.3274E-6
OpenAI Moderation v1 (007)
Hate > Threatening
3.2634E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
9.392E-7
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.88E-8
OpenAI Moderation v1 (007)
Topics
Topic:
Social Issue > Demographics > Immigration
Score:
100
Magnitude:
0.131
Code:
14003002
Url:
https://cv.iptc.org/newscodes/subjectcode/14003002
Wikidata_id:
Q131288
Wikidata_label:
immigration
Source:
IPTC Subject
Topic:
Politics > Migration
Score:
99
Magnitude:
0.131
Code:
11017000
Url:
https://cv.iptc.org/newscodes/subjectcode/11017000
Wikidata_id:
Q15064326
Wikidata_label:
immigration policy
Source:
IPTC Subject
Topic:
Immigration
Score:
94.215
Magnitude:
69
Code:
9
Url:
https://fsc.al/cap-mc#9
Source:
Comparative Agendas
Topic:
Education
Score:
85
Magnitude:
0.112
Code:
5000000
Url:
https://cv.iptc.org/newscodes/subjectcode/05000000
Wikidata_id:
Q8434
Wikidata_label:
education
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Financial and Business Service > Employment Agency
Score:
63
Magnitude:
0.082
Code:
4006004
Url:
https://cv.iptc.org/newscodes/subjectcode/04006004
Wikidata_id:
Q261362
Wikidata_label:
employment agency
Source:
IPTC Subject
Topic:
Crime, Law and Justice > Laws
Score:
55
Magnitude:
0.072
Code:
2006000
Url:
https://cv.iptc.org/newscodes/subjectcode/02006000
Wikidata_id:
Q7748
Wikidata_label:
law
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
10.4
Flesch-Kincaid Ease
61.4
Gunning-Fog Score
13
Coleman-Liau Index
9.7
SMOG Index
12
Automated Readability Index
10.5
Dale-Chall Readability Score
5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
28
Sprache Difficult Word Count
27
Lamar Alexander
Second, it will change the citizenship rules to allow those who learn to speak English fluently to reduce from 5 to 4 years the amount of time they have to wait to become a citizen. These are two ways we are trying to help people learn English and by doing that value our common language.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.71429
Very Positive
Harvard-IV (Absolute)
0.71429
Very Positive
Harvard-IV (Logit)
1.46634
VADER
0.718
Very Positive
Moderation
Harassment
0.0422220997
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0262813497
OpenAI Moderation v1 (007)
Violence
0.0022296053
OpenAI Moderation v1 (007)
Sexual
0.0013504116
OpenAI Moderation v1 (007)
Violence > Graphic
0.0008844693
OpenAI Moderation v1 (007)
Sexual > Minors
0.0008038038
OpenAI Moderation v1 (007)
Hate
0.0007593169
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000350374
OpenAI Moderation v1 (007)
Self-Harm
0.0002815795
OpenAI Moderation v1 (007)
Self-Harm > Instructions
8.8376E-6
OpenAI Moderation v1 (007)
Hate > Threatening
3.5477E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Arts, Culture and Entertainment > Language
Score:
100
Magnitude:
0.333
Code:
1008000
Url:
https://cv.iptc.org/newscodes/subjectcode/01008000
Wikidata_id:
Q315
Wikidata_label:
language
Source:
IPTC Subject
Topic:
Immigration
Score:
47.122
Magnitude:
125
Code:
9
Url:
https://fsc.al/cap-mc#9
Source:
Comparative Agendas
Topic:
International Affairs
Score:
30.099
Magnitude:
125
Code:
19
Url:
https://fsc.al/cap-mc#19
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
10.4
Flesch-Kincaid Ease
69.7
Gunning-Fog Score
13.2
Coleman-Liau Index
8.7
SMOG Index
10.3
Automated Readability Index
11.9
Dale-Chall Readability Score
3.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
12
Lamar Alexander
There are other ways to do that. Senator Kennedy and I have talked about the fact that there are lines of people in Boston, his State, and Nashville, in my State, of adults who want to learn English, but there is no room for them in the adult education programs we fund. Perhaps when we pass the Workforce Investment Act, or other appropriations bills, we can find other ways to help people who want to learn English, learn English. But this legislation focuses specifically on prospective citizens who want to learn English by giving them a grant to help them do it and by giving them an incentive to learn the language fluently. They can become a citizen then in 4 years instead of 5.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
3.29584
VADER
0.959
Very Positive
Moderation
Harassment
0.1588690211
OpenAI Moderation v1 (007)
Violence
0.0132175264
OpenAI Moderation v1 (007)
Violence > Graphic
0.0107017084
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0093898081
OpenAI Moderation v1 (007)
Hate
0.0012549382
OpenAI Moderation v1 (007)
Self-Harm
0.0001671986
OpenAI Moderation v1 (007)
Sexual
0.0001105677
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.87801E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.1482E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.31769E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.09702E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Education > Adult Education
Score:
100
Magnitude:
0.211
Code:
5001000
Url:
https://cv.iptc.org/newscodes/subjectcode/05001000
Wikidata_id:
Q1319035
Wikidata_label:
adult education
Source:
IPTC Subject
Topic:
Immigration
Score:
85.015
Magnitude:
93
Code:
9
Url:
https://fsc.al/cap-mc#9
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
11
Flesch-Kincaid Ease
61
Gunning-Fog Score
13.5
Coleman-Liau Index
10
SMOG Index
12
Automated Readability Index
11.7
Dale-Chall Readability Score
4.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
25
Sprache Difficult Word Count
26
Lamar Alexander
Also, it helps prospective citizens learn more about the American way of life. Albert Shanker, the late President of the American Federation of Teachers, said the common school was created in America, the public school, to help largely immigrant children learn reading and writing and arithmetic and what it means to be an American, with the hope they would go home and teach their parents.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.70805
VADER
0.848
Very Positive
Moderation
Harassment
1.879623346
OpenAI Moderation v1 (007)
Harassment > Threatening
0.209742412
OpenAI Moderation v1 (007)
Violence
0.0230532416
OpenAI Moderation v1 (007)
Hate
0.0034584878
OpenAI Moderation v1 (007)
Violence > Graphic
0.0012714791
OpenAI Moderation v1 (007)
Hate > Threatening
0.0005924319
OpenAI Moderation v1 (007)
Sexual
0.0002308473
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.2881E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.0836E-6
OpenAI Moderation v1 (007)
Self-Harm
5.8227E-6
OpenAI Moderation v1 (007)
Sexual > Minors
2.78E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Social Issue > Family
Score:
100
Magnitude:
0.47
Code:
14006000
Url:
https://cv.iptc.org/newscodes/subjectcode/14006000
Wikidata_id:
Q8436
Wikidata_label:
family
Source:
IPTC Subject
Topic:
Immigration
Score:
88.024
Magnitude:
27
Code:
9
Url:
https://fsc.al/cap-mc#9
Source:
Comparative Agendas
Topic:
Education > School
Score:
79
Magnitude:
0.37
Code:
5005000
Url:
https://cv.iptc.org/newscodes/subjectcode/05005000
Wikidata_id:
Q3914
Wikidata_label:
school
Source:
IPTC Subject
Topic:
Lifestyle and Leisure > Lifestyle (House and Home)
Score:
52
Magnitude:
0.243
Code:
10009000
Url:
https://cv.iptc.org/newscodes/subjectcode/10009000
Source:
IPTC Subject
Topic:
Social Issue > Demographics > Immigration
Score:
51
Magnitude:
0.239
Code:
14003002
Url:
https://cv.iptc.org/newscodes/subjectcode/14003002
Wikidata_id:
Q131288
Wikidata_label:
immigration
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
38.5
Gunning-Fog Score
16.1
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
13
Sprache Difficult Word Count
18
Lamar Alexander
The last time we had such a large percentage of foreign-born people in our country was in about 1900, the turn of that century. Organizations all over America got busy helping new arrivals learn about our country, learn about our Declaration of Independence, learn about our Constitution and the ideas that were part of it because they knew that, since you do not become a citizen based upon your race or your ancestry and you do it upon the idea of America, that someone needed to help these people learn about the idea of America. Many were very eager to do that.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.99853
VADER
0.769
Very Positive
Moderation
Violence
0.0103125625
OpenAI Moderation v1 (007)
Harassment
0.0067878784
OpenAI Moderation v1 (007)
Violence > Graphic
0.0012737183
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0011181045
OpenAI Moderation v1 (007)
Sexual
0.0006008787
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001648831
OpenAI Moderation v1 (007)
Hate
0.0001064593
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.38653E-5
OpenAI Moderation v1 (007)
Self-Harm
1.21349E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.13776E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.2697E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Disaster and Accident > Relief and Aid Organization
Score:
100
Magnitude:
0.16
Code:
3012000
Url:
https://cv.iptc.org/newscodes/subjectcode/03012000
Wikidata_id:
Q11858035
Wikidata_label:
emergency response
Source:
IPTC Subject
Topic:
Immigration
Score:
94.251
Magnitude:
56
Code:
9
Url:
https://fsc.al/cap-mc#9
Source:
Comparative Agendas
Topic:
Politics > Constitution
Score:
69
Magnitude:
0.11
Code:
11015000
Url:
https://cv.iptc.org/newscodes/subjectcode/11015000
Wikidata_id:
Q7755
Wikidata_label:
constitution
Source:
IPTC Subject
Topic:
Social Issue > Demographics > Immigration
Score:
54
Magnitude:
0.086
Code:
14003002
Url:
https://cv.iptc.org/newscodes/subjectcode/14003002
Wikidata_id:
Q131288
Wikidata_label:
immigration
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
37.3
Gunning-Fog Score
17.2
Coleman-Liau Index
10
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
15
Lamar Alexander
The legislation I introduced today would establish a foundation to support the activities of the Office of Citizenship within the Department of Homeland Security so that organizations that want to support and cooperate in efforts to reach out to prospective citizens can do so.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.3979
VADER
0.802
Very Positive
Moderation
Harassment
7.4490875006
OpenAI Moderation v1 (007)
Harassment > Threatening
0.124367245
OpenAI Moderation v1 (007)
Hate
0.0782379706
OpenAI Moderation v1 (007)
Violence
0.0691966678
OpenAI Moderation v1 (007)
Violence > Graphic
0.0076964396
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0015182583
OpenAI Moderation v1 (007)
Sexual
0.001029129
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004467595
OpenAI Moderation v1 (007)
Self-Harm
0.0001931635
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001427623
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.96344E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Politics > Election
Score:
100
Magnitude:
0.13
Code:
11003000
Url:
https://cv.iptc.org/newscodes/subjectcode/11003000
Wikidata_id:
Q40231
Wikidata_label:
public election
Source:
IPTC Subject
Topic:
Immigration
Score:
91.626
Magnitude:
105
Code:
9
Url:
https://fsc.al/cap-mc#9
Source:
Comparative Agendas
Topic:
Crime, Law and Justice > Laws
Score:
80
Magnitude:
0.105
Code:
2006000
Url:
https://cv.iptc.org/newscodes/subjectcode/02006000
Wikidata_id:
Q7748
Wikidata_label:
law
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
4.5
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
17
Lamar Alexander
It would provide grants to organizations to provide classes in American history and civics. We are talking about a lot of prospective citizens -- 650,000 or so last year. After this immigration bill it may be more, because if you become a citizen, you are going to have to be legally here. So we want to make sure we have plenty of help for these who want to do that.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.70805
VADER
0.801
Very Positive
Moderation
Harassment
0.0307599053
OpenAI Moderation v1 (007)
Violence
0.0151755958
OpenAI Moderation v1 (007)
Hate
0.0063721673
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0032497486
OpenAI Moderation v1 (007)
Violence > Graphic
0.0018055212
OpenAI Moderation v1 (007)
Sexual
0.0008759968
OpenAI Moderation v1 (007)
Self-Harm > Intent
9.22115E-5
OpenAI Moderation v1 (007)
Self-Harm
5.28767E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.92199E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.85253E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.1956E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Disaster and Accident > Relief and Aid Organization
Score:
100
Magnitude:
0.194
Code:
3012000
Url:
https://cv.iptc.org/newscodes/subjectcode/03012000
Wikidata_id:
Q11858035
Wikidata_label:
emergency response
Source:
IPTC Subject
Topic:
Social Issue > Demographics > Immigration
Score:
56
Magnitude:
0.108
Code:
14003002
Url:
https://cv.iptc.org/newscodes/subjectcode/14003002
Wikidata_id:
Q131288
Wikidata_label:
immigration
Source:
IPTC Subject
Topic:
Politics > Migration
Score:
54
Magnitude:
0.105
Code:
11017000
Url:
https://cv.iptc.org/newscodes/subjectcode/11017000
Wikidata_id:
Q15064326
Wikidata_label:
immigration policy
Source:
IPTC Subject
Topic:
Immigration
Score:
53.521
Magnitude:
120
Code:
9
Url:
https://fsc.al/cap-mc#9
Source:
Comparative Agendas
Topic:
International Affairs
Score:
22.957
Magnitude:
120
Code:
19
Url:
https://fsc.al/cap-mc#19
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
7.6
Flesch-Kincaid Ease
71.8
Gunning-Fog Score
11
Coleman-Liau Index
8
SMOG Index
11.3
Automated Readability Index
6.4
Dale-Chall Readability Score
3.1
Sprache Readability Score
3.9
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
14
Lamar Alexander
Essentially, that same oath of allegiance is the oath new citizens take. This elevates that oath of allegiance from a bureaucratic rule to a part of the law and gives it the same dignity that the Pledge of Allegiance has and the national anthem has. Finally, this legislation would celebrate new citizens by focusing on these hundreds of ceremonies that we have, in which people from all over the world wear their best clothes, prove that they have good character, that they have waited 5 years, that they have learned English, that they have passed a test about citizenship, and they are ready to say: As proud as I am of where I came from, I now pledge my allegiance to the United States of America.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.86667
Very Positive
Harvard-IV (Absolute)
0.86667
Very Positive
Harvard-IV (Logit)
2.26868
VADER
0.968
Very Positive
Moderation
Harassment
0.003026068
OpenAI Moderation v1 (007)
Violence
0.0020208843
OpenAI Moderation v1 (007)
Violence > Graphic
0.0016164118
OpenAI Moderation v1 (007)
Hate
0.0010271228
OpenAI Moderation v1 (007)
Self-Harm
0.0007054125
OpenAI Moderation v1 (007)
Sexual
0.0001256875
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001179063
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.65145E-5
OpenAI Moderation v1 (007)
Harassment > Threatening
3.82255E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.9151E-6
OpenAI Moderation v1 (007)
Sexual > Minors
1.4411E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Crime, Law and Justice > Laws
Score:
100
Magnitude:
0.064
Code:
2006000
Url:
https://cv.iptc.org/newscodes/subjectcode/02006000
Wikidata_id:
Q7748
Wikidata_label:
law
Source:
IPTC Subject
Topic:
Crime, Law and Justice > Justice and Rights
Score:
79
Magnitude:
0.05
Code:
2007000
Url:
https://cv.iptc.org/newscodes/subjectcode/02007000
Wikidata_id:
Q5167661
Wikidata_label:
justice
Source:
IPTC Subject
Topic:
International Affairs
Score:
69.22
Magnitude:
151
Code:
19
Url:
https://fsc.al/cap-mc#19
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
40
Gunning-Fog Score
19
Coleman-Liau Index
10.5
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.3
Sprache Readability Score
5
Dale-Chall Difficult Word Score
26
Sprache Difficult Word Count
27
Lamar Alexander
We want to celebrate those events. This instructs the Secretary of Homeland Security to develop and implement a strategy to make those naturalization ceremonies more important in the fabric of our everyday life, and establish an award for citizens who have been naturalized in the last 10 years who have made an outstanding contribution to the American Nation. We all know in our own experiences that new Americans are sometimes the best Americans. They make the largest contribution. They have the best understanding of our country. We want to celebrate what they have done.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.88889
Very Positive
Harvard-IV (Absolute)
0.88889
Very Positive
Harvard-IV (Logit)
2.45674
VADER
0.982
Very Positive
Moderation
Harassment
0.140237622
OpenAI Moderation v1 (007)
Violence > Graphic
0.0641467457
OpenAI Moderation v1 (007)
Hate
0.0286857365
OpenAI Moderation v1 (007)
Violence
0.0116813477
OpenAI Moderation v1 (007)
Self-Harm
0.0037865553
OpenAI Moderation v1 (007)
Sexual
0.0033991964
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0033768963
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002599521
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001877895
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001525748
OpenAI Moderation v1 (007)
Hate > Threatening
2.73266E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Human Interest > Award and Prize
Score:
100
Magnitude:
0.09
Code:
8006000
Url:
https://cv.iptc.org/newscodes/subjectcode/08006000
Wikidata_id:
Q618779
Wikidata_label:
award
Source:
IPTC Subject
Topic:
Human Interest > Society > Ceremony
Score:
74
Magnitude:
0.066
Code:
8005001
Url:
https://cv.iptc.org/newscodes/subjectcode/08005001
Wikidata_id:
Q2627975
Wikidata_label:
ceremony
Source:
IPTC Subject
Topic:
Housing
Score:
46.655
Magnitude:
67
Code:
14
Url:
https://fsc.al/cap-mc#14
Source:
Comparative Agendas
Topic:
Domestic Commerce
Score:
40.807
Magnitude:
67
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
11
Flesch-Kincaid Ease
44.2
Gunning-Fog Score
13.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.1
Dale-Chall Readability Score
5.1
Sprache Readability Score
4.6
Dale-Chall Difficult Word Score
26
Sprache Difficult Word Count
25
Lamar Alexander
This is legislation the Senate adopted before. Senator Cochran, Senator Cornyn, and I are introducing it to make sure we adopt it again when immigration comes up.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0.459
Positive
Moderation
Harassment
0.0167749473
OpenAI Moderation v1 (007)
Violence
0.0085961539
OpenAI Moderation v1 (007)
Hate
0.0033280048
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0023134689
OpenAI Moderation v1 (007)
Violence > Graphic
0.0015613887
OpenAI Moderation v1 (007)
Self-Harm
0.0004325944
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003288564
OpenAI Moderation v1 (007)
Sexual
0.000285368
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0002727914
OpenAI Moderation v1 (007)
Sexual > Minors
9.64782E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.26543E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Politics > Parliament
Score:
100
Magnitude:
0.282
Code:
11009000
Url:
https://cv.iptc.org/newscodes/subjectcode/11009000
Wikidata_id:
Q35749
Wikidata_label:
parliament
Source:
IPTC Subject
Topic:
Housing
Score:
74.975
Magnitude:
56
Code:
14
Url:
https://fsc.al/cap-mc#14
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
10.7
Flesch-Kincaid Ease
42.7
Gunning-Fog Score
12.8
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
8.3
Dale-Chall Readability Score
6.5
Sprache Readability Score
3
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
9
Lamar Alexander
I also wish to mention that I intend on looking at a comprehensive effort toward the same goal, which I like to call the American citizenship agenda; learning English and what it means to becoming an American. I have identified several areas, and I may introduce amendments in many of these areas to the immigration bill.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0.735
Very Positive
Moderation
Violence
0.0241889415
OpenAI Moderation v1 (007)
Harassment
0.010838938
OpenAI Moderation v1 (007)
Hate
0.0077438868
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0018631568
OpenAI Moderation v1 (007)
Violence > Graphic
0.0015548121
OpenAI Moderation v1 (007)
Sexual
0.0004714999
OpenAI Moderation v1 (007)
Hate > Threatening
8.12865E-5
OpenAI Moderation v1 (007)
Sexual > Minors
3.22653E-5
OpenAI Moderation v1 (007)
Self-Harm
2.46545E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.88895E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.967E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Social Issue > Demographics > Immigration
Score:
100
Magnitude:
0.11
Code:
14003002
Url:
https://cv.iptc.org/newscodes/subjectcode/14003002
Wikidata_id:
Q131288
Wikidata_label:
immigration
Source:
IPTC Subject
Topic:
Politics > Migration
Score:
98
Magnitude:
0.108
Code:
11017000
Url:
https://cv.iptc.org/newscodes/subjectcode/11017000
Wikidata_id:
Q15064326
Wikidata_label:
immigration policy
Source:
IPTC Subject
Topic:
Housing
Score:
90.694
Magnitude:
74
Code:
14
Url:
https://fsc.al/cap-mc#14
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
34.9
Gunning-Fog Score
17.6
Coleman-Liau Index
11.6
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
18
Lamar Alexander
These were not introduced the last time, but they would include clarifying the mission of the Office of Citizenship within the U.S. Citizenship and Immigration Service, establishing State citizenship advisory boards in a number of States, coordinating efforts toward helping immigrants learning English, American history, and civics. It would create an employer tax credit for businesses that help their employees learn English. As I mentioned earlier, at the beginning of the 20th century, there were a great many businesses hiring new Americans who spent their money, their time, and their effort to make sure those new employees understood what it meant to become Americans.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0.71429
Very Positive
Harvard-IV (Absolute)
0.71429
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0.97
Very Positive
Moderation
Violence
0.0188178499
OpenAI Moderation v1 (007)
Harassment
0.0010595248
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0009564919
OpenAI Moderation v1 (007)
Sexual
0.0006045816
OpenAI Moderation v1 (007)
Hate
0.0004042389
OpenAI Moderation v1 (007)
Violence > Graphic
0.0003271179
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001100258
OpenAI Moderation v1 (007)
Hate > Threatening
3.35301E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.16954E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.20748E-5
OpenAI Moderation v1 (007)
Self-Harm
8.2429E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Labor > Employment
Score:
100
Magnitude:
0.269
Code:
9003000
Url:
https://cv.iptc.org/newscodes/subjectcode/09003000
Wikidata_id:
Q656365
Wikidata_label:
employment
Source:
IPTC Subject
Topic:
Social Issue > Demographics > Immigration
Score:
91
Magnitude:
0.245
Code:
14003002
Url:
https://cv.iptc.org/newscodes/subjectcode/14003002
Wikidata_id:
Q131288
Wikidata_label:
immigration
Source:
IPTC Subject
Topic:
Politics > Migration
Score:
83
Magnitude:
0.224
Code:
11017000
Url:
https://cv.iptc.org/newscodes/subjectcode/11017000
Wikidata_id:
Q15064326
Wikidata_label:
immigration policy
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
69.385
Magnitude:
73
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Economy, Business and Finance
Score:
52
Magnitude:
0.14
Code:
4000000
Url:
https://cv.iptc.org/newscodes/subjectcode/04000000
Wikidata_id:
Q159810
Wikidata_label:
economy
Source:
IPTC Subject
Topic:
Housing
Score:
22.56
Magnitude:
73
Code:
14
Url:
https://fsc.al/cap-mc#14
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
38.9
Gunning-Fog Score
15.6
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
34
Sprache Difficult Word Count
35
Lamar Alexander
One way to meet this need of a large percentage of foreign-born people in our country is to provide tax incentives to businesses that help their employees learn English. Another proposal is to require a demonstration of English language proficiency when an individual renews his or her green card; establishing a Presidential award for companies that go above and beyond in bringing their employees together as Americans; finally, asking for a Government Accountability Office study to identify the need of lawful permanent residents not speaking English and the associated costs; in other words, how many people living in our country do not speak English and what would be the cost and the most effective programs of helping them learn English.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.60944
Harvard-IV (Relative)
0.36364
Somewhat Positive
Harvard-IV (Absolute)
0.36364
Somewhat Positive
Harvard-IV (Logit)
0.72594
VADER
0.926
Very Positive
Moderation
Violence
0.0520286383
OpenAI Moderation v1 (007)
Harassment
0.0490326376
OpenAI Moderation v1 (007)
Violence > Graphic
0.0095357427
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0060121791
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0051754079
OpenAI Moderation v1 (007)
Hate
0.0015946487
OpenAI Moderation v1 (007)
Self-Harm
0.0014492058
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0006705577
OpenAI Moderation v1 (007)
Sexual
0.0001913743
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001679248
OpenAI Moderation v1 (007)
Hate > Threatening
1.79934E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Politics > State Budget and Tax
Score:
100
Magnitude:
0.49
Code:
11013000
Url:
https://cv.iptc.org/newscodes/subjectcode/11013000
Wikidata_id:
Q271855
Wikidata_label:
government budget
Source:
IPTC Subject
Topic:
Housing
Score:
51.772
Magnitude:
77
Code:
14
Url:
https://fsc.al/cap-mc#14
Source:
Comparative Agendas
Topic:
Domestic Commerce
Score:
38.733
Magnitude:
77
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
0
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
34
Sprache Difficult Word Count
38
Lamar Alexander
That is my purpose today, to introduce the Strengthening American Citizenship Act, legislation that passed when we considered the immigration bill in 2006, and which Senators Cochran and Cornyn and I hope will be a part of this legislation; then to discuss what I call the Strengthening American Citizenship Agenda, which will be looking for a variety of other ways to help make sure we not only celebrate our diversity but we find ways to celebrate our unity.
Sentiment
Loughran McDonald (Relative)
0.33333
Somewhat Positive
Loughran McDonald (Absolute)
0.33333
Somewhat Positive
Loughran McDonald (Logit)
0.51083
Harvard-IV (Relative)
0.77778
Very Positive
Harvard-IV (Absolute)
0.77778
Very Positive
Harvard-IV (Logit)
1.7346
VADER
0.906
Very Positive
Moderation
Harassment
0.0287491188
OpenAI Moderation v1 (007)
Violence
0.0129062115
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0025949512
OpenAI Moderation v1 (007)
Sexual
0.0021594989
OpenAI Moderation v1 (007)
Violence > Graphic
0.0018857354
OpenAI Moderation v1 (007)
Hate
0.0006794487
OpenAI Moderation v1 (007)
Self-Harm
0.0003197119
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001464606
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001170312
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.12191E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.1788E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Politics > Parliament
Score:
100
Magnitude:
0.134
Code:
11009000
Url:
https://cv.iptc.org/newscodes/subjectcode/11009000
Wikidata_id:
Q35749
Wikidata_label:
parliament
Source:
IPTC Subject
Topic:
Housing
Score:
95.324
Magnitude:
77
Code:
14
Url:
https://fsc.al/cap-mc#14
Source:
Comparative Agendas
Topic:
Crime, Law and Justice > Laws
Score:
79
Magnitude:
0.106
Code:
2006000
Url:
https://cv.iptc.org/newscodes/subjectcode/02006000
Wikidata_id:
Q7748
Wikidata_label:
law
Source:
IPTC Subject
Topic:
Social Issue > Demographics > Immigration
Score:
72
Magnitude:
0.096
Code:
14003002
Url:
https://cv.iptc.org/newscodes/subjectcode/14003002
Wikidata_id:
Q131288
Wikidata_label:
immigration
Source:
IPTC Subject
Topic:
Politics > Migration
Score:
70
Magnitude:
0.094
Code:
11017000
Url:
https://cv.iptc.org/newscodes/subjectcode/11017000
Wikidata_id:
Q15064326
Wikidata_label:
immigration policy
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
0
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
24
Sprache Difficult Word Count
21
Lamar Alexander
We can look across the ocean at Europe and see the struggle in Turkey right now for that nation's identity. We can see the difficulty France and Germany are having as Muslim workers have a hard time integrating into their country. We do not want the United States of America to become a country where we have enclaves of people who have no loyalty to the idea of this Nation. We want to create an environment where everyone has an opportunity to think about loyalty to this country, where almost all have a chance to think about becoming a citizen one day, and where every single person who lives here has an opportunity to learn to speak our common language, not just for their benefit but so we do not become a tower of Babel or a United Nations, that we become a United States of America, as our Founders envisioned.
Sentiment
Loughran McDonald (Relative)
0.6
Very Positive
Loughran McDonald (Absolute)
0.6
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0.57143
Very Positive
Harvard-IV (Absolute)
0.57143
Very Positive
Harvard-IV (Logit)
1.18958
VADER
0.923
Very Positive
Moderation
Harassment
0.0286018418
OpenAI Moderation v1 (007)
Hate
0.0031392479
OpenAI Moderation v1 (007)
Violence > Graphic
0.0018414281
OpenAI Moderation v1 (007)
Sexual
0.0014386057
OpenAI Moderation v1 (007)
Violence
0.0005297604
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002000647
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001647063
OpenAI Moderation v1 (007)
Self-Harm
7.3521E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.7244E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.7465E-6
OpenAI Moderation v1 (007)
Hate > Threatening
1.6503E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Crime, Law and Justice > Justice and Rights
Score:
100
Magnitude:
0.217
Code:
2007000
Url:
https://cv.iptc.org/newscodes/subjectcode/02007000
Wikidata_id:
Q5167661
Wikidata_label:
justice
Source:
IPTC Subject
Topic:
Labor > Employment
Score:
100
Magnitude:
0.217
Code:
9003000
Url:
https://cv.iptc.org/newscodes/subjectcode/09003000
Wikidata_id:
Q656365
Wikidata_label:
employment
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
88.569
Magnitude:
53
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Arts, Culture and Entertainment > Language
Score:
82
Magnitude:
0.178
Code:
1008000
Url:
https://cv.iptc.org/newscodes/subjectcode/01008000
Wikidata_id:
Q315
Wikidata_label:
language
Source:
IPTC Subject
Topic:
Economy, Business and Finance
Score:
77
Magnitude:
0.167
Code:
4000000
Url:
https://cv.iptc.org/newscodes/subjectcode/04000000
Wikidata_id:
Q159810
Wikidata_label:
economy
Source:
IPTC Subject
Topic:
Environmental Issue > Nature
Score:
76
Magnitude:
0.164
Code:
6007000
Url:
https://cv.iptc.org/newscodes/subjectcode/06007000
Wikidata_id:
Q7860
Wikidata_label:
nature
Source:
IPTC Subject
Topic:
Environmental Issue > Environmental Politics
Score:
72
Magnitude:
0.156
Code:
6004000
Url:
https://cv.iptc.org/newscodes/subjectcode/06004000
Wikidata_id:
Q5381346
Wikidata_label:
environmental politics
Source:
IPTC Subject
Topic:
Arts, Culture and Entertainment > Culture (General)
Score:
61
Magnitude:
0.132
Code:
1022000
Url:
https://cv.iptc.org/newscodes/subjectcode/01022000
Wikidata_id:
Q11042
Wikidata_label:
culture
Source:
IPTC Subject
Topic:
Politics
Score:
61
Magnitude:
0.132
Code:
11000000
Url:
https://cv.iptc.org/newscodes/subjectcode/11000000
Wikidata_id:
Q7163
Wikidata_label:
politics
Source:
IPTC Subject
Topic:
Social Issue
Score:
51
Magnitude:
0.111
Code:
14000000
Url:
https://cv.iptc.org/newscodes/subjectcode/14000000
Wikidata_id:
Q8425
Wikidata_label:
society
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
38
Gunning-Fog Score
19
Coleman-Liau Index
9.9
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
29
Sprache Difficult Word Count
32
Debbie Stabenow
Mr. President, under current law, only two categories of individuals pay tax on the sale of their principle residence: the truly fortunate who have realized a capital gain of more than $250,000, $500,000 on a joint return, or the truly unfortunate who lose equity in their home and are forced to pay tax if the lender forgives some portion of the mortgage debt. Surely this is an anomalous result.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.37949
VADER
0.691
Very Positive
Moderation
Violence
0.0210267652
OpenAI Moderation v1 (007)
Violence > Graphic
0.0114221781
OpenAI Moderation v1 (007)
Harassment
0.0034052573
OpenAI Moderation v1 (007)
Sexual
0.0008365634
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003798706
OpenAI Moderation v1 (007)
Hate
0.0002565538
OpenAI Moderation v1 (007)
Sexual > Minors
6.30186E-5
OpenAI Moderation v1 (007)
Self-Harm
5.68168E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.20957E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.0853E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.061E-7
OpenAI Moderation v1 (007)
Topics
Topic:
Crime, Law and Justice > Judiciary (System of Justice)
Score:
100
Magnitude:
0.082
Code:
2002000
Url:
https://cv.iptc.org/newscodes/subjectcode/02002000
Wikidata_id:
Q105985
Wikidata_label:
judiciary
Source:
IPTC Subject
Topic:
Crime, Law and Justice > Justice and Rights
Score:
83
Magnitude:
0.068
Code:
2007000
Url:
https://cv.iptc.org/newscodes/subjectcode/02007000
Wikidata_id:
Q5167661
Wikidata_label:
justice
Source:
IPTC Subject
Topic:
Sport > Soccer
Score:
62
Magnitude:
0.051
Code:
15054000
Url:
https://cv.iptc.org/newscodes/subjectcode/15054000
Wikidata_id:
Q2736
Wikidata_label:
association football
Source:
IPTC Subject
Topic:
Housing
Score:
54.866
Magnitude:
52
Code:
14
Url:
https://fsc.al/cap-mc#14
Source:
Comparative Agendas
Topic:
Domestic Commerce
Score:
35.472
Magnitude:
52
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
11.3
Flesch-Kincaid Ease
56.5
Gunning-Fog Score
15.1
Coleman-Liau Index
9.5
SMOG Index
12
Automated Readability Index
10.6
Dale-Chall Readability Score
5.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
27
Debbie Stabenow
Nevertheless, newspaper and television reports describe the burdens families all over the country are facing as lenders foreclose on borrowers who cannot make their mortgage payments. In more and more circumstances, these borrowers, often minorities and the elderly, are unable to make the escalating payments associated with subprime loans and some complex adjustable rate mortgage products.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.66667
Very Positive
Harvard-IV (Absolute)
0.66667
Very Positive
Harvard-IV (Logit)
1.29928
VADER
-0.361
Somewhat Negative
Moderation
Violence
0.0691680936
OpenAI Moderation v1 (007)
Harassment
0.0567685696
OpenAI Moderation v1 (007)
Violence > Graphic
0.0326357665
OpenAI Moderation v1 (007)
Hate
0.0041483996
OpenAI Moderation v1 (007)
Sexual
0.0009073463
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0007508602
OpenAI Moderation v1 (007)
Self-Harm
0.0001750903
OpenAI Moderation v1 (007)
Sexual > Minors
5.5468E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.42919E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.9797E-6
OpenAI Moderation v1 (007)
Hate > Threatening
7.058E-7
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Mortgage
Score:
100
Magnitude:
0.116
Code:
4008022
Url:
https://cv.iptc.org/newscodes/subjectcode/04008022
Wikidata_id:
Q1210094
Wikidata_label:
mortgage loan
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Macro Economics > Loans
Score:
70
Magnitude:
0.081
Code:
4008021
Url:
https://cv.iptc.org/newscodes/subjectcode/04008021
Wikidata_id:
Q189539
Wikidata_label:
loan
Source:
IPTC Subject
Topic:
Housing
Score:
66.677
Magnitude:
64
Code:
14
Url:
https://fsc.al/cap-mc#14
Source:
Comparative Agendas
Topic:
Social Issue > Family
Score:
62
Magnitude:
0.072
Code:
14006000
Url:
https://cv.iptc.org/newscodes/subjectcode/14006000
Wikidata_id:
Q8436
Wikidata_label:
family
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
25.274
Magnitude:
64
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
16.8
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
25
Debbie Stabenow
Other media reports focus on the challenges sellers face if they live in areas with declining home values. There are instances where the value of housing in a whole market occasionally falls through no fault of the homeowner. A plant closes, environmental degradations are found nearby, a regional economic slump hits hard. This happened during the 1980s in the oil patch and in southern California and New England at the beginning of the 90s.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
-0.275
Slightly Negative
Moderation
Violence > Graphic
0.0811569684
OpenAI Moderation v1 (007)
Violence
0.0583652232
OpenAI Moderation v1 (007)
Harassment
0.0043400622
OpenAI Moderation v1 (007)
Sexual
0.0018394796
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002613239
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002436288
OpenAI Moderation v1 (007)
Hate
8.34305E-5
OpenAI Moderation v1 (007)
Self-Harm
5.14545E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.94669E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.90476E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.795E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Market and Exchange
Score:
100
Magnitude:
0.107
Code:
4009000
Url:
https://cv.iptc.org/newscodes/subjectcode/04009000
Wikidata_id:
Q179076
Wikidata_label:
exchange
Source:
IPTC Subject
Topic:
Environmental Issue > Nature
Score:
69
Magnitude:
0.075
Code:
6007000
Url:
https://cv.iptc.org/newscodes/subjectcode/06007000
Wikidata_id:
Q7860
Wikidata_label:
nature
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Energy and Resource
Score:
51
Magnitude:
0.055
Code:
4005000
Url:
https://cv.iptc.org/newscodes/subjectcode/04005000
Wikidata_id:
Q2151621
Wikidata_label:
energy industry
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Market and Exchange > Securities
Score:
50
Magnitude:
0.054
Code:
4009003
Url:
https://cv.iptc.org/newscodes/subjectcode/04009003
Wikidata_id:
Q169489
Wikidata_label:
security
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
11.1
Flesch-Kincaid Ease
48.6
Gunning-Fog Score
13.3
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.6
Dale-Chall Readability Score
4.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
26
Debbie Stabenow
This is happening right now in Michigan with the depressed automotive industry. The Detroit metropolitan area had the highest percentage of households in foreclosure in the 150 largest metropolitan areas, with an average of more than 10,000 foreclosures in each quarter. The foreclosures affected 1 out of every 21 households, nearly five times the national average. Over the first quarter of 2007, Michigan had over 29,000 foreclosures and Detroit was on pace to record 11,000 for that same time period.
Sentiment
Loughran McDonald (Relative)
-0.66667
Very Negative
Loughran McDonald (Absolute)
-0.66667
Very Negative
Loughran McDonald (Logit)
-1.29928
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.8473
VADER
-0.942
Very Negative
Moderation
Violence
0.0411585497
OpenAI Moderation v1 (007)
Violence > Graphic
0.0174929053
OpenAI Moderation v1 (007)
Harassment
0.0023127564
OpenAI Moderation v1 (007)
Sexual
0.0021549587
OpenAI Moderation v1 (007)
Hate
0.0018518145
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0017809163
OpenAI Moderation v1 (007)
Sexual > Minors
0.000362124
OpenAI Moderation v1 (007)
Self-Harm
0.0002329583
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001982762
OpenAI Moderation v1 (007)
Hate > Threatening
7.45632E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.42762E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Law and Crime
Score:
53.577
Magnitude:
18
Code:
12
Url:
https://fsc.al/cap-mc#12
Source:
Comparative Agendas
Topic:
Civil Rights
Score:
28.864
Magnitude:
18
Code:
2
Url:
https://fsc.al/cap-mc#2
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
11
Flesch-Kincaid Ease
53.3
Gunning-Fog Score
17
Coleman-Liau Index
11.9
SMOG Index
12
Automated Readability Index
11.1
Dale-Chall Readability Score
6
Sprache Readability Score
4.9
Dale-Chall Difficult Word Score
26
Sprache Difficult Word Count
21
Debbie Stabenow
One thing these news reports do not mention is the tax problem that sellers or those in foreclosure will face if lenders forgive and do not require payment on some or all of a mortgage debt at the time of disposition. What happens to these people who must sell their homes during a downturn or who cannot make their payments and go into foreclosure? They must pay taxes on the amount forgiven; it is treated as income.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
0.25
Slightly Positive
Harvard-IV (Absolute)
0.25
Slightly Positive
Harvard-IV (Logit)
0.45199
VADER
-0.44
Negative
Moderation
Violence
0.0450933905
OpenAI Moderation v1 (007)
Violence > Graphic
0.010728294
OpenAI Moderation v1 (007)
Harassment
0.007406529
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0009041582
OpenAI Moderation v1 (007)
Sexual
0.0004508388
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004337424
OpenAI Moderation v1 (007)
Hate
7.96246E-5
OpenAI Moderation v1 (007)
Self-Harm
3.61213E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.32092E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.1811E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.0819E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance
Score:
100
Magnitude:
0.098
Code:
4000000
Url:
https://cv.iptc.org/newscodes/subjectcode/04000000
Wikidata_id:
Q159810
Wikidata_label:
economy
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Macro Economics > Mortgage
Score:
99
Magnitude:
0.097
Code:
4008022
Url:
https://cv.iptc.org/newscodes/subjectcode/04008022
Wikidata_id:
Q1210094
Wikidata_label:
mortgage loan
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.278
Magnitude:
135
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Lifestyle and Leisure > Lifestyle (House and Home)
Score:
52
Magnitude:
0.05
Code:
10009000
Url:
https://cv.iptc.org/newscodes/subjectcode/10009000
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
10.7
Flesch-Kincaid Ease
64.3
Gunning-Fog Score
12.3
Coleman-Liau Index
10
SMOG Index
9.9
Automated Readability Index
12
Dale-Chall Readability Score
4.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
20
Debbie Stabenow
Below are two hypothetical scenarios where owners must have to pay taxes on the amount forgiven and those estimated taxes. The first example is a situation where there has been a downturn in the housing market. The second example is where a family, possibly because of loss of job, illness, or decrease in income or significant changes in the mortgage rate, can neither refinance the property nor sustain the payments and the lender forecloses on the property.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
-0.11111
Leans Negative
Harvard-IV (Absolute)
-0.11111
Leans Negative
Harvard-IV (Logit)
-0.20067
VADER
-0.25
Slightly Negative
Moderation
Violence
0.0324994646
OpenAI Moderation v1 (007)
Violence > Graphic
0.03134828
OpenAI Moderation v1 (007)
Harassment
0.0035985999
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0023183586
OpenAI Moderation v1 (007)
Sexual
0.000738259
OpenAI Moderation v1 (007)
Sexual > Minors
0.000248035
OpenAI Moderation v1 (007)
Hate
0.0002193342
OpenAI Moderation v1 (007)
Self-Harm
0.0001464823
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.48183E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.3314E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.2266E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Construction and Property
Score:
100
Magnitude:
0.279
Code:
4004000
Url:
https://cv.iptc.org/newscodes/subjectcode/04004000
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
45.954
Magnitude:
30
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Law and Crime
Score:
43.538
Magnitude:
30
Code:
12
Url:
https://fsc.al/cap-mc#12
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
38
Gunning-Fog Score
17.5
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
23
Sprache Difficult Word Count
28
Debbie Stabenow
In a second scenario, if the foreclosure sale does not cover the amount of outstanding debt on the property or $20,000, the lender might forgive remaining debt. Again, the borrower is treated as having received "income" when the debt is forgiven and in the example, would owe $3,000 in taxes on the $20,000 that was forgiven.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.6
Very Positive
Harvard-IV (Absolute)
0.6
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.511
Very Positive
Moderation
Violence
0.0129492328
OpenAI Moderation v1 (007)
Violence > Graphic
0.0036631118
OpenAI Moderation v1 (007)
Harassment
0.0008346087
OpenAI Moderation v1 (007)
Sexual
0.000660755
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003659163
OpenAI Moderation v1 (007)
Hate
0.0002487722
OpenAI Moderation v1 (007)
Self-Harm
4.55053E-5
OpenAI Moderation v1 (007)
Sexual > Minors
4.05815E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.28849E-5
OpenAI Moderation v1 (007)
Hate > Threatening
7.6209E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.68E-7
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Construction and Property
Score:
100
Magnitude:
0.064
Code:
4004000
Url:
https://cv.iptc.org/newscodes/subjectcode/04004000
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.807
Magnitude:
49
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
56.4
Gunning-Fog Score
17.9
Coleman-Liau Index
8.3
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
18
Debbie Stabenow
Clearly it is unfair to tax people on phantom income, particularly right at the time they have had a serious economic loss and have no cash with which to pay the tax. My bill, the Mortgage Relief Act, will relieve families of a tax burden when their lender forgives part of the mortgage on a principal residence.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.23077
Slightly Positive
Harvard-IV (Absolute)
0.23077
Slightly Positive
Harvard-IV (Logit)
0.43532
VADER
-0.052
Neutral
Moderation
Violence
0.1038926421
OpenAI Moderation v1 (007)
Violence > Graphic
0.024194039
OpenAI Moderation v1 (007)
Harassment
0.0145423866
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0099770361
OpenAI Moderation v1 (007)
Self-Harm
0.0005867361
OpenAI Moderation v1 (007)
Hate
0.0005772388
OpenAI Moderation v1 (007)
Sexual
0.0005724044
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002764577
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.000142155
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001319749
OpenAI Moderation v1 (007)
Hate > Threatening
6.38051E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Mortgage
Score:
100
Magnitude:
0.074
Code:
4008022
Url:
https://cv.iptc.org/newscodes/subjectcode/04008022
Wikidata_id:
Q1210094
Wikidata_label:
mortgage loan
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.549
Magnitude:
93
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Economy, Business and Finance
Score:
92
Magnitude:
0.069
Code:
4000000
Url:
https://cv.iptc.org/newscodes/subjectcode/04000000
Wikidata_id:
Q159810
Wikidata_label:
economy
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Economy (General)
Score:
77
Magnitude:
0.057
Code:
4017000
Url:
https://cv.iptc.org/newscodes/subjectcode/04017000
Wikidata_id:
Q159810
Wikidata_label:
economy
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
53.2
Gunning-Fog Score
15.6
Coleman-Liau Index
10.1
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.3
Sprache Readability Score
5
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
19
Debbie Stabenow
None of us wants to learn that families in our own districts will be forced to pay taxes when they have no money and have incurred a substantial loss on what, for most, is the most significant asset they own, and possibly the only asset they have. While my legislation will not repair their credit or punish those who mislead them into inappropriate loans, it will prevent them from further financial harm.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.56495
Harvard-IV (Relative)
0.14286
Leans Positive
Harvard-IV (Absolute)
0.14286
Leans Positive
Harvard-IV (Logit)
0.26826
VADER
-0.792
Very Negative
Moderation
Violence
0.1530465321
OpenAI Moderation v1 (007)
Harassment
0.0614928664
OpenAI Moderation v1 (007)
Violence > Graphic
0.0183647062
OpenAI Moderation v1 (007)
Harassment > Threatening
0.00876509
OpenAI Moderation v1 (007)
Hate
0.0051520074
OpenAI Moderation v1 (007)
Self-Harm
0.0013400944
OpenAI Moderation v1 (007)
Sexual > Minors
0.0011139929
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0010144027
OpenAI Moderation v1 (007)
Sexual
0.0006944683
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001564807
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.36305E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Crime, Law and Justice > Laws
Score:
100
Magnitude:
0.063
Code:
2006000
Url:
https://cv.iptc.org/newscodes/subjectcode/02006000
Wikidata_id:
Q7748
Wikidata_label:
law
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Macro Economics > Loans
Score:
91
Magnitude:
0.058
Code:
4008021
Url:
https://cv.iptc.org/newscodes/subjectcode/04008021
Wikidata_id:
Q189539
Wikidata_label:
loan
Source:
IPTC Subject
Topic:
Social Issue > Family
Score:
88
Magnitude:
0.056
Code:
14006000
Url:
https://cv.iptc.org/newscodes/subjectcode/14006000
Wikidata_id:
Q8436
Wikidata_label:
family
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
81.197
Magnitude:
52
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
48.1
Gunning-Fog Score
18.3
Coleman-Liau Index
11.1
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
19
John Kerry
Mr. President, it is becoming more difficult for a middle class family to purchase a home. Last week the Senate Finance Committee held a hearing on middle class economic issues. We learned from the witnesses that families are struggling because their fixed costs are greater and one of these fixed costs is housing. Professor Elizabeth Warren testified that houses purchased now are only slightly larger than those purchased in the 1970's, but the median mortgage payment is 76 percent larger than a generation ago.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
-0.257
Slightly Negative
Moderation
Harassment
0.0931706571
OpenAI Moderation v1 (007)
Hate
0.021856172
OpenAI Moderation v1 (007)
Violence
0.0203085496
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0047962301
OpenAI Moderation v1 (007)
Violence > Graphic
0.0041376097
OpenAI Moderation v1 (007)
Sexual
0.0006437576
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004019478
OpenAI Moderation v1 (007)
Self-Harm
3.90979E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.38492E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.6313E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.2268E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Construction and Property
Score:
100
Magnitude:
0.119
Code:
4004000
Url:
https://cv.iptc.org/newscodes/subjectcode/04004000
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Economy (General)
Score:
97
Magnitude:
0.115
Code:
4017000
Url:
https://cv.iptc.org/newscodes/subjectcode/04017000
Wikidata_id:
Q159810
Wikidata_label:
economy
Source:
IPTC Subject
Topic:
Social Issue > Family
Score:
97
Magnitude:
0.116
Code:
14006000
Url:
https://cv.iptc.org/newscodes/subjectcode/14006000
Wikidata_id:
Q8436
Wikidata_label:
family
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
96.771
Magnitude:
64
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Politics > Parliament
Score:
68
Magnitude:
0.081
Code:
11009000
Url:
https://cv.iptc.org/newscodes/subjectcode/11009000
Wikidata_id:
Q35749
Wikidata_label:
parliament
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Macro Economics > Mortgage
Score:
59
Magnitude:
0.07
Code:
4008022
Url:
https://cv.iptc.org/newscodes/subjectcode/04008022
Wikidata_id:
Q1210094
Wikidata_label:
mortgage loan
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
10.2
Flesch-Kincaid Ease
51.8
Gunning-Fog Score
12
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.4
Dale-Chall Readability Score
6.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
31
Sprache Difficult Word Count
32
John Kerry
Today, there are serious problems in our mortgage lending market which need to be addressed. Too many families are unable to make the monthly mortgage payments on their homes. Foreclosure rates are increasing. Some homeowners who are facing foreclosure have received what are known as "subprime" loans which allow an adjustable rate of mortgage interest or a break on payments during the first years of the mortgage. The "subprime" lending market has been an important tool to allow people with poor credit histories to obtain access to credit including mortgages. However, in recent years some lenders have used these "subprime" mortgage loans to put homeowners into mortgage products with high interest rates that increase after a short period of time. Additionally, some homeowners have opted to buy homes they could not afford by using the "subprime" loan market. In either case, too many homeowners have been unable to keep up with the changes in their mortgage payments and have been forced into foreclosure.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.94444
Harvard-IV (Relative)
0.63636
Very Positive
Harvard-IV (Absolute)
0.63636
Very Positive
Harvard-IV (Logit)
1.41369
VADER
0.671
Very Positive
Moderation
Violence
0.1661551185
OpenAI Moderation v1 (007)
Violence > Graphic
0.0746019708
OpenAI Moderation v1 (007)
Harassment
0.0468024373
OpenAI Moderation v1 (007)
Hate
0.0133274676
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0130246
OpenAI Moderation v1 (007)
Sexual
0.0033723973
OpenAI Moderation v1 (007)
Sexual > Minors
0.0028290109
OpenAI Moderation v1 (007)
Hate > Threatening
0.0012734536
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0004031501
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0002183073
OpenAI Moderation v1 (007)
Self-Harm
0.000126921
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Loan Market
Score:
100
Magnitude:
1
Code:
4008012
Url:
https://cv.iptc.org/newscodes/subjectcode/04008012
Wikidata_id:
Q627543
Wikidata_label:
money market
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
95.601
Magnitude:
153
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
11.3
Flesch-Kincaid Ease
50.7
Gunning-Fog Score
13.5
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
47
Sprache Difficult Word Count
37
John Kerry
Last year, the Commonwealth of Massachusetts had a record 19,487 foreclosure filings. One of every 92 U.S. households faced foreclosure and there are expected to be more disclosures in 2007. Published reports show that Massachusetts has had approximately 10,000 foreclosures filings already this year. Monthly payments on millions of loans are expected to increase dramatically as low introductory interest rates balloon as much as 50 percent. The Nonprofit Center for Responsible Lending predicts that one in five subprime mortgages done in the past 2 years will end up in foreclosure.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.51083
VADER
-0.103
Leans Negative
Moderation
Violence
0.0344056374
OpenAI Moderation v1 (007)
Harassment
0.0155640504
OpenAI Moderation v1 (007)
Violence > Graphic
0.0140164877
OpenAI Moderation v1 (007)
Harassment > Threatening
0.005668871
OpenAI Moderation v1 (007)
Hate
0.0009800281
OpenAI Moderation v1 (007)
Sexual
0.0004772698
OpenAI Moderation v1 (007)
Self-Harm
0.0002548452
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001460039
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.37992E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.16483E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.11852E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.208
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
96.854
Magnitude:
69
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
8.8
Flesch-Kincaid Ease
56
Gunning-Fog Score
12.6
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
8.9
Dale-Chall Readability Score
5.4
Sprache Readability Score
4.6
Dale-Chall Difficult Word Score
28
Sprache Difficult Word Count
29
John Kerry
Today, Senators Stabenow, Voinovich and I are introducing the Mortgage Relief Cancellation Act of 2007. This legislation will help families who are faced with mortgages that they are unable to pay. Fortunately, some lenders are willing to modify loans and forgive some debt, but the borrower is required to pay income tax on the cancelled debt.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.25
Slightly Positive
Harvard-IV (Absolute)
0.25
Slightly Positive
Harvard-IV (Logit)
0.45199
VADER
-0.593
Very Negative
Moderation
Violence
0.1132399077
OpenAI Moderation v1 (007)
Violence > Graphic
0.0254399085
OpenAI Moderation v1 (007)
Harassment
0.0206145138
OpenAI Moderation v1 (007)
Harassment > Threatening
0.005782603
OpenAI Moderation v1 (007)
Sexual
0.0014092049
OpenAI Moderation v1 (007)
Hate
0.0010725069
OpenAI Moderation v1 (007)
Self-Harm
0.0009242066
OpenAI Moderation v1 (007)
Sexual > Minors
0.0007115652
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002030897
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001509798
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.07597E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Mortgage
Score:
100
Magnitude:
0.156
Code:
4008022
Url:
https://cv.iptc.org/newscodes/subjectcode/04008022
Wikidata_id:
Q1210094
Wikidata_label:
mortgage loan
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
84.143
Magnitude:
139
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Politics > Parliament
Score:
51
Magnitude:
0.08
Code:
11009000
Url:
https://cv.iptc.org/newscodes/subjectcode/11009000
Wikidata_id:
Q35749
Wikidata_label:
parliament
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
11.1
Flesch-Kincaid Ease
48.9
Gunning-Fog Score
13.2
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
11.3
Dale-Chall Readability Score
6.3
Sprache Readability Score
4.7
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
22
John Kerry
Under present law, the discharged debt is treated as income. Some homeowners are learning about this rule the hard way and find themselves owing a large tax bill on debt that was forgiven. The Mortgage Relief Cancellation Act of 2007 would exclude from income the debt that is forgiven for certain mortgage loans.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.153
Leans Positive
Moderation
Violence
0.1251311973
OpenAI Moderation v1 (007)
Harassment
0.0160609197
OpenAI Moderation v1 (007)
Violence > Graphic
0.0071572278
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0026880458
OpenAI Moderation v1 (007)
Hate
0.0001896324
OpenAI Moderation v1 (007)
Sexual
0.0001398506
OpenAI Moderation v1 (007)
Sexual > Minors
7.96739E-5
OpenAI Moderation v1 (007)
Self-Harm
4.08917E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.1382E-6
OpenAI Moderation v1 (007)
Hate > Threatening
1.7223E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.587E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance
Score:
100
Magnitude:
0.192
Code:
4000000
Url:
https://cv.iptc.org/newscodes/subjectcode/04000000
Wikidata_id:
Q159810
Wikidata_label:
economy
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Macro Economics > Mortgage
Score:
95
Magnitude:
0.184
Code:
4008022
Url:
https://cv.iptc.org/newscodes/subjectcode/04008022
Wikidata_id:
Q1210094
Wikidata_label:
mortgage loan
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Macro Economics > Loans
Score:
60
Magnitude:
0.115
Code:
4008021
Url:
https://cv.iptc.org/newscodes/subjectcode/04008021
Wikidata_id:
Q189539
Wikidata_label:
loan
Source:
IPTC Subject
Topic:
Macroeconomics
Score:
54.221
Magnitude:
36
Code:
1
Url:
https://fsc.al/cap-mc#1
Source:
Comparative Agendas
Topic:
Domestic Commerce
Score:
26.119
Magnitude:
36
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
8.9
Flesch-Kincaid Ease
62.8
Gunning-Fog Score
10.1
Coleman-Liau Index
12
SMOG Index
10.6
Automated Readability Index
9.9
Dale-Chall Readability Score
5.3
Sprache Readability Score
4.2
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
17
John Kerry
An example of this is a situation in which a homeowner sells their house to prevent disclosure and the proceeds do not cover the full mortgage obligation. The lender agrees to forgive the difference. Under the Mortgage Relief Cancellation Act of 2007, the amount forgiven would not be included in taxable income. This legislation also addresses forgiveness of debt as part of a restructuring arrangement.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.95551
VADER
0.807
Very Positive
Moderation
Harassment
0.0098056953
OpenAI Moderation v1 (007)
Violence
0.0077124707
OpenAI Moderation v1 (007)
Violence > Graphic
0.0018275861
OpenAI Moderation v1 (007)
Hate
0.0003537803
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002611958
OpenAI Moderation v1 (007)
Sexual
0.0001598707
OpenAI Moderation v1 (007)
Sexual > Minors
7.01346E-5
OpenAI Moderation v1 (007)
Self-Harm
1.84071E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.16469E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.02085E-5
OpenAI Moderation v1 (007)
Hate > Threatening
5.2997E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Construction and Property
Score:
100
Magnitude:
0.075
Code:
4004000
Url:
https://cv.iptc.org/newscodes/subjectcode/04004000
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Macro Economics > Mortgage
Score:
100
Magnitude:
0.075
Code:
4008022
Url:
https://cv.iptc.org/newscodes/subjectcode/04008022
Wikidata_id:
Q1210094
Wikidata_label:
mortgage loan
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
93.602
Magnitude:
116
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Crime, Law and Justice > Laws
Score:
71
Magnitude:
0.053
Code:
2006000
Url:
https://cv.iptc.org/newscodes/subjectcode/02006000
Wikidata_id:
Q7748
Wikidata_label:
law
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
11.1
Flesch-Kincaid Ease
44.6
Gunning-Fog Score
14.5
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.7
Dale-Chall Readability Score
5.7
Sprache Readability Score
4.7
Dale-Chall Difficult Word Score
20
Sprache Difficult Word Count
25
John Kerry
I urge you to support this legislation.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.402
Positive
Moderation
Harassment
0.2855778905
OpenAI Moderation v1 (007)
Violence
0.139946572
OpenAI Moderation v1 (007)
Violence > Graphic
0.0156386246
OpenAI Moderation v1 (007)
Hate
0.0150736494
OpenAI Moderation v1 (007)
Self-Harm
0.0096162548
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0042692474
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.002744954
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0027380098
OpenAI Moderation v1 (007)
Sexual
0.0026431921
OpenAI Moderation v1 (007)
Sexual > Minors
0.0012820307
OpenAI Moderation v1 (007)
Hate > Threatening
5.43832E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Crime, Law and Justice > Laws
Score:
100
Magnitude:
0.103
Code:
2006000
Url:
https://cv.iptc.org/newscodes/subjectcode/02006000
Wikidata_id:
Q7748
Wikidata_label:
law
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.083
Magnitude:
45
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Politics > Election
Score:
64
Magnitude:
0.066
Code:
11003000
Url:
https://cv.iptc.org/newscodes/subjectcode/11003000
Wikidata_id:
Q40231
Wikidata_label:
public election
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
7.4
Flesch-Kincaid Ease
54.7
Gunning-Fog Score
8.5
Coleman-Liau Index
11.1
SMOG Index
9
Automated Readability Index
3.6
Dale-Chall Readability Score
7.1
Sprache Readability Score
1.8
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
3
Carl Levin
Mr. President, I am introducing today, along with Senator McCaskill, the Stop Unfair Practices in Credit Cards Act.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.51083
VADER
-0.402
Negative
Moderation
Violence
0.0264695991
OpenAI Moderation v1 (007)
Violence > Graphic
0.0235455504
OpenAI Moderation v1 (007)
Sexual
0.0036217702
OpenAI Moderation v1 (007)
Harassment
0.0030816769
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0021788986
OpenAI Moderation v1 (007)
Hate
0.0002877031
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002734076
OpenAI Moderation v1 (007)
Self-Harm
0.0001122442
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.34311E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.32613E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.46087E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.215
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.641
Magnitude:
116
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Politics > Parliament
Score:
59
Magnitude:
0.126
Code:
11009000
Url:
https://cv.iptc.org/newscodes/subjectcode/11009000
Wikidata_id:
Q35749
Wikidata_label:
parliament
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
8.9
Flesch-Kincaid Ease
47.3
Gunning-Fog Score
5.8
Coleman-Liau Index
12
SMOG Index
11.3
Automated Readability Index
7.4
Dale-Chall Readability Score
6.6
Sprache Readability Score
2.3
Dale-Chall Difficult Word Score
7
Sprache Difficult Word Count
7
Carl Levin
Credit cards are a fixture of American family life today. People use them to buy groceries, to rent a car, shop on the Internet, pay college tuition, and even pay their taxes. In 2005, the average family had five credit cards. American households used nearly 700 million credit cards to buy goods and services worth $1.8 trillion. Credit cards fuel commerce, facilitate financial planning, help families deal with emergencies. But credit cards have also contributed to record amounts of household debt. Some credit card issuers have socked families with sky-high interest rates of 25 and 30 percent and higher. They have hit consumers with hefty fees for late payments, for exceeding a credit card limit, and other transactions. In too many cases, credit card issuers have made it all but impossible for working- class families to climb out of debt.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.65217
Very Positive
Harvard-IV (Absolute)
0.65217
Very Positive
Harvard-IV (Logit)
1.46634
VADER
0.807
Very Positive
Moderation
Violence
0.1647543861
OpenAI Moderation v1 (007)
Violence > Graphic
0.0368439447
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0018217166
OpenAI Moderation v1 (007)
Harassment
0.0018082972
OpenAI Moderation v1 (007)
Sexual
0.0015563002
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004183958
OpenAI Moderation v1 (007)
Self-Harm
0.000259954
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001694346
OpenAI Moderation v1 (007)
Hate
7.8788E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.5715E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.0311E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
1
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.361
Magnitude:
137
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
9.5
Flesch-Kincaid Ease
54.7
Gunning-Fog Score
13.1
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
8.9
Dale-Chall Readability Score
5.3
Sprache Readability Score
5
Dale-Chall Difficult Word Score
40
Sprache Difficult Word Count
44
Carl Levin
That is why in 2005, the Permanent Subcommittee on Investigations, which I chaired, on which Senator McCaskill serves, initiated an in- depth investigation into unfair and abusive credit card industry practices.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
-0.691
Very Negative
Moderation
Violence
0.0596630387
OpenAI Moderation v1 (007)
Violence > Graphic
0.0014314005
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0007185507
OpenAI Moderation v1 (007)
Sexual
0.0004716416
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0004434142
OpenAI Moderation v1 (007)
Self-Harm
0.0002602698
OpenAI Moderation v1 (007)
Harassment
0.000206494
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001263399
OpenAI Moderation v1 (007)
Hate > Threatening
8.32853E-5
OpenAI Moderation v1 (007)
Hate
5.55549E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.77319E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Science and Technology > Applied Science
Score:
100
Magnitude:
0.124
Code:
13001000
Url:
https://cv.iptc.org/newscodes/subjectcode/13001000
Wikidata_id:
Q34104
Wikidata_label:
science and technology
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.253
Magnitude:
66
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Politics > Parliament
Score:
74
Magnitude:
0.092
Code:
11009000
Url:
https://cv.iptc.org/newscodes/subjectcode/11009000
Wikidata_id:
Q35749
Wikidata_label:
parliament
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
14.4
Gunning-Fog Score
18.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
14
Sprache Difficult Word Count
13
Carl Levin
In the fall of 2006, the Government Accountability Office, the GAO, released a report which I had requested, which for the first time in years provided a comprehensive examination of the interest rates and fees being charged by credit card companies. Following the release of that report, and continuing through today, the subcommittee has been deluged with calls and letters from Americans expressing anger and frustration at the way they have been treated by their credit card companies, and sharing stories of unfair and often abusive practices. The subcommittee has been examining those allegations of unfair treatment and has identified many troubling credit card industry practices which should be banned or restricted.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.70805
Harvard-IV (Relative)
0.13043
Leans Positive
Harvard-IV (Absolute)
0.13043
Leans Positive
Harvard-IV (Logit)
0.25131
VADER
-0.926
Very Negative
Moderation
Violence > Graphic
0.0179518887
OpenAI Moderation v1 (007)
Violence
0.0142585137
OpenAI Moderation v1 (007)
Harassment
0.0032725326
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0006806531
OpenAI Moderation v1 (007)
Sexual
0.0004198027
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002253697
OpenAI Moderation v1 (007)
Hate
0.0001939114
OpenAI Moderation v1 (007)
Self-Harm
0.0001605363
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.90079E-5
OpenAI Moderation v1 (007)
Hate > Threatening
5.8624E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.2351E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.083
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
96.435
Magnitude:
129
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
21.6
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
34
Sprache Difficult Word Count
37
Carl Levin
Our first hearing in March focused on industry practices involving grace periods, interest rates, and fees. It revealed a number of unfair, often little-known, and sometimes abusive credit card practices, which prey upon families experiencing financial hardships, and squeezed even consumers who pay their credit card bills on time.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.27273
Slightly Positive
Harvard-IV (Absolute)
0.27273
Slightly Positive
Harvard-IV (Logit)
0.51083
VADER
0.637
Very Positive
Moderation
Violence
0.1514788601
OpenAI Moderation v1 (007)
Violence > Graphic
0.0162161727
OpenAI Moderation v1 (007)
Harassment
0.0157098853
OpenAI Moderation v1 (007)
Hate
0.005628643
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0011597584
OpenAI Moderation v1 (007)
Self-Harm
0.0004134788
OpenAI Moderation v1 (007)
Sexual
0.0002778442
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001538657
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001475792
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001387354
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.03083E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.1
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
96.397
Magnitude:
144
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
93
Magnitude:
0.093
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Social Issue > Family
Score:
71
Magnitude:
0.07
Code:
14006000
Url:
https://cv.iptc.org/newscodes/subjectcode/14006000
Wikidata_id:
Q8436
Wikidata_label:
family
Source:
IPTC Subject
Topic:
Crime, Law and Justice > Trials
Score:
61
Magnitude:
0.061
Code:
2008000
Url:
https://cv.iptc.org/newscodes/subjectcode/02008000
Wikidata_id:
Q8016240
Wikidata_label:
trial
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
29.2
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
21
Carl Levin
The legislation we are introducing today is aimed at stopping abusive credit card practices that trap too many hard-working families in a downward spiral of debt. American families deserve to be treated honestly and fairly by their credit card companies. Our bill would help ensure that fair treatment. Here are a few things our bill would do. It would stop credit card companies from charging interest on debt that is paid on time. It would crack down on abusive fees, including repeated late fees and over-the-limit fees, and fees to pay your bill.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.70805
Harvard-IV (Relative)
0.375
Somewhat Positive
Harvard-IV (Absolute)
0.375
Somewhat Positive
Harvard-IV (Logit)
0.7376
VADER
0.128
Leans Positive
Moderation
Violence
0.0551906589
OpenAI Moderation v1 (007)
Violence > Graphic
0.0039308532
OpenAI Moderation v1 (007)
Harassment
0.0020931033
OpenAI Moderation v1 (007)
Hate
0.0016706948
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0005634259
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001763028
OpenAI Moderation v1 (007)
Self-Harm
0.0001762719
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001608791
OpenAI Moderation v1 (007)
Sexual
2.33334E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.50006E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.25821E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.094
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
96.649
Magnitude:
90
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
8.4
Flesch-Kincaid Ease
63.7
Gunning-Fog Score
12.2
Coleman-Liau Index
11.6
SMOG Index
12
Automated Readability Index
8.5
Dale-Chall Readability Score
5.6
Sprache Readability Score
4.6
Dale-Chall Difficult Word Score
29
Sprache Difficult Word Count
25
Carl Levin
It would also prohibit the charging of interest on those fees. It would establish guidelines on interest rate increases, including a cap on penalty interest rate hikes at no more than 7 percent. It would require that increased interest rates apply only to future credit card debt and not the debt already incurred.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.61904
VADER
0.857
Very Positive
Moderation
Violence
0.0667194661
OpenAI Moderation v1 (007)
Violence > Graphic
0.0146020655
OpenAI Moderation v1 (007)
Harassment
0.0081437815
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0049388724
OpenAI Moderation v1 (007)
Sexual
0.0035266676
OpenAI Moderation v1 (007)
Hate
0.0005113646
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001561528
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001531943
OpenAI Moderation v1 (007)
Self-Harm
0.0001486497
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.76056E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.4464E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.32
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Macroeconomics
Score:
70.318
Magnitude:
51
Code:
1
Url:
https://fsc.al/cap-mc#1
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
10.2
Flesch-Kincaid Ease
53.2
Gunning-Fog Score
16.1
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.2
Dale-Chall Readability Score
7.4
Sprache Readability Score
4.4
Dale-Chall Difficult Word Score
22
Sprache Difficult Word Count
19
Carl Levin
Our bill will be referred to the Senate Banking Committee, which has primary jurisdiction over credit card legislation, and which has been holding its own hearing on unfair credit card practices. Our friend, Senator Dodd, the committee chairman, has a long history of fighting credit card abuses. Senator Shelby, the ranking Republican, as well as many other members of the committee, has also expressed concern about a number of credit card problems.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.477
Positive
Moderation
Violence
0.0586736889
OpenAI Moderation v1 (007)
Violence > Graphic
0.026162446
OpenAI Moderation v1 (007)
Harassment
0.0045263903
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0032422111
OpenAI Moderation v1 (007)
Hate
0.0003273419
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003110609
OpenAI Moderation v1 (007)
Sexual
0.0002645849
OpenAI Moderation v1 (007)
Self-Harm
7.56489E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.08898E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.21068E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.9297E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Politics > Parliament
Score:
100
Magnitude:
0.27
Code:
11009000
Url:
https://cv.iptc.org/newscodes/subjectcode/11009000
Wikidata_id:
Q35749
Wikidata_label:
parliament
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
95.784
Magnitude:
41
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
95
Magnitude:
0.258
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
39.1
Gunning-Fog Score
14.6
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
27
Sprache Difficult Word Count
24
Carl Levin
It is my hope our bill and the legislative record being compiled by our Permanent Subcommittee on Investigations will help the Banking Committee in its deliberations and help build momentum to enact legislation halting the unfair credit card practices that outrage American consumers. Credit card abuse is too harmful to American families, our economy, and our economic future to let these unfair practices continue.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.56495
Harvard-IV (Relative)
0.23077
Slightly Positive
Harvard-IV (Absolute)
0.23077
Slightly Positive
Harvard-IV (Logit)
0.43532
VADER
-0.296
Slightly Negative
Moderation
Violence
0.0392478018
OpenAI Moderation v1 (007)
Harassment
0.0183938857
OpenAI Moderation v1 (007)
Violence > Graphic
0.0143187761
OpenAI Moderation v1 (007)
Sexual
0.0039493963
OpenAI Moderation v1 (007)
Self-Harm
0.003343213
OpenAI Moderation v1 (007)
Hate
0.0008501936
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0005451244
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003993443
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.77876E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.007E-6
OpenAI Moderation v1 (007)
Hate > Threatening
1.3168E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Economy (General)
Score:
100
Magnitude:
0.125
Code:
4017000
Url:
https://cv.iptc.org/newscodes/subjectcode/04017000
Wikidata_id:
Q159810
Wikidata_label:
economy
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
94.048
Magnitude:
113
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
61
Magnitude:
0.077
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Crime, Law and Justice > Laws
Score:
55
Magnitude:
0.069
Code:
2006000
Url:
https://cv.iptc.org/newscodes/subjectcode/02006000
Wikidata_id:
Q7748
Wikidata_label:
law
Source:
IPTC Subject
Topic:
Social Issue > Abusive Behavior
Score:
55
Magnitude:
0.07
Code:
14022000
Url:
https://cv.iptc.org/newscodes/subjectcode/14022000
Wikidata_id:
Q600571
Wikidata_label:
abuse
Source:
IPTC Subject
Topic:
Economy, Business and Finance
Score:
51
Magnitude:
0.064
Code:
4000000
Url:
https://cv.iptc.org/newscodes/subjectcode/04000000
Wikidata_id:
Q159810
Wikidata_label:
economy
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
11.8
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
26
Sprache Difficult Word Count
26
Carl Levin
Let me describe the key provisions of our bill in more detail. The first section of the bill would put an end to an indefensible practice that imposes little known and unfair interest charges on many unsuspecting, responsible consumers. Most credit cards today offer what is called a grace period. Cardholders are told that, if they pay their monthly credit card bill during this grace period, they will not be charged interest on the debt for which they are being billed. What many cardholders do not realize, however, is that this grace period typically provides protection against interest charges only if their monthly credit card bill is paid in full. If the cardholder pays less than 100 percent of the monthly bill -- even if the cardholder pays on time -- he or she will be charged interest on the entire billed amount, including the portion that was paid by the specified due date.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.3913
Somewhat Positive
Harvard-IV (Absolute)
0.3913
Somewhat Positive
Harvard-IV (Logit)
0.78846
VADER
0.866
Very Positive
Moderation
Harassment
0.1904977369
OpenAI Moderation v1 (007)
Violence > Graphic
0.0517086359
OpenAI Moderation v1 (007)
Violence
0.0314739096
OpenAI Moderation v1 (007)
Hate
0.007620683
OpenAI Moderation v1 (007)
Sexual
0.0070787893
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0027998683
OpenAI Moderation v1 (007)
Self-Harm
0.0022675962
OpenAI Moderation v1 (007)
Sexual > Minors
0.0011539552
OpenAI Moderation v1 (007)
Hate > Threatening
1.62137E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.53332E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.1208E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.274
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
96.596
Magnitude:
112
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
52
Gunning-Fog Score
16.2
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
45
Sprache Difficult Word Count
38
Carl Levin
An example shows why this billing practice is unfair and should be stopped. Suppose a consumer who usually pays his or her credit card account in full and owes no money as of December 1 makes a lot of purchases in December. The consumer gets a credit card bill on January 1 for $5,020, due January 15. Suppose the consumer pays that bill on time, but pays $5,000 instead of the full amount owed.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.53846
Very Positive
Harvard-IV (Absolute)
0.53846
Very Positive
Harvard-IV (Logit)
1.09861
VADER
-0.128
Leans Negative
Moderation
Harassment
0.0208482568
OpenAI Moderation v1 (007)
Violence > Graphic
0.0167514838
OpenAI Moderation v1 (007)
Violence
0.0102867409
OpenAI Moderation v1 (007)
Hate
0.0049547325
OpenAI Moderation v1 (007)
Self-Harm
0.0006459481
OpenAI Moderation v1 (007)
Sexual
0.0005795478
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0005014673
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001222486
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.54048E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.13697E-5
OpenAI Moderation v1 (007)
Hate > Threatening
8.4816E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.256
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.455
Magnitude:
33
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
8.1
Flesch-Kincaid Ease
70.7
Gunning-Fog Score
10.8
Coleman-Liau Index
7.4
SMOG Index
12
Automated Readability Index
6.7
Dale-Chall Readability Score
4.1
Sprache Readability Score
4.3
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
16
Carl Levin
Most people assume that the next bill would be for the $20 in unpaid debt, plus interest on that $20. But that commonsense assumption is wrong. That is because current industry practice is to charge the consumer interest not only on the $20 that wasn't paid on time, but also on the $5,000 that was paid on time. Let me say that again. Industry practice is to force the consumer to pay interest on the portion of the debt that was paid on time. In other words, the consumer would pay interest on the entire $5,020 from the first day of the billing month, January 1, until the day the $5,000 payment was made on January 15, compounded daily. So much for a grace period. After that, the consumer would be charged interest on the $20 past due, compounded daily, from January 15 to the end of the month.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.41176
Positive
Harvard-IV (Absolute)
0.41176
Positive
Harvard-IV (Logit)
0.82098
VADER
0.893
Very Positive
Moderation
Violence
0.0675162009
OpenAI Moderation v1 (007)
Violence > Graphic
0.0365671207
OpenAI Moderation v1 (007)
Harassment
0.0030482366
OpenAI Moderation v1 (007)
Harassment > Threatening
0.002211531
OpenAI Moderation v1 (007)
Self-Harm
0.0005647869
OpenAI Moderation v1 (007)
Sexual
0.0004778496
OpenAI Moderation v1 (007)
Hate
0.0002766072
OpenAI Moderation v1 (007)
Self-Harm > Intent
9.00576E-5
OpenAI Moderation v1 (007)
Sexual > Minors
7.53157E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.0528E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.7145E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
94.305
Magnitude:
66
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
7.5
Flesch-Kincaid Ease
75.1
Gunning-Fog Score
11.8
Coleman-Liau Index
7.4
SMOG Index
12
Automated Readability Index
6.6
Dale-Chall Readability Score
4.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
33
Sprache Difficult Word Count
25
Carl Levin
The end result would be a February 1 bill that more than doubles the $20 debt. Using an interest rate of 17.99 percent, for example, in just one month, the $20 debt would rack up interest charges of more than $35.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.33647
VADER
-0.026
Neutral
Moderation
Harassment
0.0427593506
OpenAI Moderation v1 (007)
Violence
0.0136476388
OpenAI Moderation v1 (007)
Sexual
0.0120861281
OpenAI Moderation v1 (007)
Violence > Graphic
0.004319887
OpenAI Moderation v1 (007)
Hate
0.0029918587
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004155391
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003958569
OpenAI Moderation v1 (007)
Self-Harm
0.0002433021
OpenAI Moderation v1 (007)
Hate > Threatening
5.1154E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.9653E-6
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.31E-7
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.208
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.171
Magnitude:
136
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
6.8
Flesch-Kincaid Ease
82.9
Gunning-Fog Score
11.1
Coleman-Liau Index
6.2
SMOG Index
11.3
Automated Readability Index
6.4
Dale-Chall Readability Score
4.5
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
12
Carl Levin
Charging $35 of interest over one month on a $20 credit card debt is indefensible, especially when applied to a consumer who paid over 90 percent of their credit card debt on time during the grace period. Our legislation would end this unfair billing practice by amending the Truth in Lending Act to prohibit the charging of interest on any portion of a credit card debt that is paid on time during a grace period. Using our example, this prohibition would bar the charging of interest on the $5,000 that was paid on time, and result in a February balance that reflects what a rational consumer would have expected: the $20 past due, plus interest on the $20 from January 1 to January 31.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.22222
Slightly Positive
Harvard-IV (Absolute)
0.22222
Slightly Positive
Harvard-IV (Logit)
0.42744
VADER
0.96
Very Positive
Moderation
Violence
0.0371415023
OpenAI Moderation v1 (007)
Harassment
0.0321756321
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0060451206
OpenAI Moderation v1 (007)
Violence > Graphic
0.0046276404
OpenAI Moderation v1 (007)
Sexual
0.0028934881
OpenAI Moderation v1 (007)
Sexual > Minors
0.0008598069
OpenAI Moderation v1 (007)
Self-Harm
0.0006017216
OpenAI Moderation v1 (007)
Hate
0.0004703076
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.61943E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.22796E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.07895E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.161
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.553
Magnitude:
149
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
38.7
Gunning-Fog Score
19
Coleman-Liau Index
9.4
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
42
Sprache Difficult Word Count
32
Carl Levin
The second section of our bill would address a related unfair billing practice, which I call "trailing interest." Charging trailing interest on credit card debt is another widespread, but little known industry practice that squeezes responsible and largely unsuspecting consumers for still more interest charges.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.45455
Positive
Harvard-IV (Absolute)
0.45455
Positive
Harvard-IV (Logit)
0.8873
VADER
0.741
Very Positive
Moderation
Violence
0.1110216253
OpenAI Moderation v1 (007)
Harassment
0.0054764208
OpenAI Moderation v1 (007)
Violence > Graphic
0.0033136144
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0029418095
OpenAI Moderation v1 (007)
Sexual
0.00071528
OpenAI Moderation v1 (007)
Self-Harm
0.0006130268
OpenAI Moderation v1 (007)
Hate
0.0004882949
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001882297
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001629167
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.7183E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.5945E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.07
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
96.853
Magnitude:
68
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
26.1
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
20
Sprache Difficult Word Count
20
Carl Levin
Going back to our example, you might think that once the consumer gets gouged in February by receiving a bill for $55 on a $20 debt, and pays that bill on time and in full, without making any new purchase, that would be the end of that credit card debt for the consumer. But you would be wrong. It would not be the end.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.58779
VADER
-0.671
Very Negative
Moderation
Violence
0.0629807822
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0023180137
OpenAI Moderation v1 (007)
Harassment
0.0020382711
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0010097719
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0006240693
OpenAI Moderation v1 (007)
Violence > Graphic
0.0006040104
OpenAI Moderation v1 (007)
Self-Harm
0.0004069092
OpenAI Moderation v1 (007)
Hate
9.75957E-5
OpenAI Moderation v1 (007)
Sexual
2.51101E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.49153E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.9412E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.291
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
96.81
Magnitude:
58
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
7.1
Flesch-Kincaid Ease
82.1
Gunning-Fog Score
11
Coleman-Liau Index
6.5
SMOG Index
10.6
Automated Readability Index
7.1
Dale-Chall Readability Score
3.5
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
11
Carl Levin
Even if, on February 15, the consumer paid the February 1 bill in full and on time -- all $55 -- the next bill would likely have an additional interest charge related to the $20 debt. In this case, the charge would reflect interest that would have accumulated on the $55 from February 1 to 15, which is the time from when the bill was sent to the day it was paid. The total interest charge in our example would be about 38 cents. While some credit card issuers will waive trailing interest if the next month's bill is less than $1, a common industry practice is to fold the 38 cents into the next bill if a consumer makes a new purchase.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.57143
Very Positive
Harvard-IV (Absolute)
0.57143
Very Positive
Harvard-IV (Logit)
1.18958
VADER
0.902
Very Positive
Moderation
Violence
0.0435240159
OpenAI Moderation v1 (007)
Violence > Graphic
0.0046322497
OpenAI Moderation v1 (007)
Hate
0.0016629299
OpenAI Moderation v1 (007)
Harassment
0.0015255281
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0007995713
OpenAI Moderation v1 (007)
Sexual
0.000548502
OpenAI Moderation v1 (007)
Self-Harm
0.0003021091
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002570311
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0002386889
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001740087
OpenAI Moderation v1 (007)
Hate > Threatening
3.6565E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.135
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.234
Magnitude:
79
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Social Issue > People
Score:
50
Magnitude:
0.068
Code:
14024000
Url:
https://cv.iptc.org/newscodes/subjectcode/14024000
Wikidata_id:
Q1156970
Wikidata_label:
humanity
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
11.9
Flesch-Kincaid Ease
63.6
Gunning-Fog Score
16.1
Coleman-Liau Index
7.6
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
26
Sprache Difficult Word Count
23
Carl Levin
Now 38 cents isn't much in the grand scheme of things. That may be why many consumers don't notice this extra interest charge or bother to fight it. Even if someone had questions about the amount of interest on a bill, most consumers would be hard pressed to understand how the amount was calculated, much less whether it was correct. But by nickel and diming tens of millions of consumer accounts with trailing interest charges, credit card issuers reap large profits.
Sentiment
Loughran McDonald (Relative)
-0.5
Very Negative
Loughran McDonald (Absolute)
-0.5
Very Negative
Loughran McDonald (Logit)
-0.8473
Harvard-IV (Relative)
0.125
Leans Positive
Harvard-IV (Absolute)
0.125
Leans Positive
Harvard-IV (Logit)
0.23639
VADER
0.791
Very Positive
Moderation
Violence
0.0615634664
OpenAI Moderation v1 (007)
Violence > Graphic
0.0065756823
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0039309019
OpenAI Moderation v1 (007)
Self-Harm
0.0038355098
OpenAI Moderation v1 (007)
Harassment
0.0027028031
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.002493292
OpenAI Moderation v1 (007)
Sexual
0.0009675368
OpenAI Moderation v1 (007)
Hate
0.0002453149
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001952774
OpenAI Moderation v1 (007)
Sexual > Minors
9.72201E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.7727E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.095
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
95.31
Magnitude:
57
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Economy, Business and Finance > Company Information > Consumers
Score:
95
Magnitude:
0.09
Code:
4016055
Url:
https://cv.iptc.org/newscodes/subjectcode/04016055
Wikidata_id:
Q22855
Wikidata_label:
consumer
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
10.5
Flesch-Kincaid Ease
55.7
Gunning-Fog Score
14
Coleman-Liau Index
11.7
SMOG Index
12
Automated Readability Index
10.7
Dale-Chall Readability Score
4.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
16
Sprache Difficult Word Count
26
Carl Levin
This little known billing practice, which squeezes consumers for a few more cents on the dollar, and targets responsible cardholders who pay their bills on time and in full, goes too far.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.19722
VADER
0.226
Slightly Positive
Moderation
Harassment
1.9534973428
OpenAI Moderation v1 (007)
Hate
0.0493796309
OpenAI Moderation v1 (007)
Violence
0.044304147
OpenAI Moderation v1 (007)
Violence > Graphic
0.0189510945
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0028371403
OpenAI Moderation v1 (007)
Self-Harm
0.0018197008
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003545254
OpenAI Moderation v1 (007)
Sexual
0.0003303425
OpenAI Moderation v1 (007)
Self-Harm > Instructions
8.01973E-5
OpenAI Moderation v1 (007)
Sexual > Minors
2.82826E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.8512E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
96.659
Magnitude:
75
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
52.7
Gunning-Fog Score
17.8
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
6
Sprache Difficult Word Count
8
Carl Levin
If a consumer pays a credit card bill on time and in full -- paying 100 percent of the amount specified by the date specified in the billing statement -- it is unfair to charge that consumer still more interest on the debt that was just paid. Our legislation would put an end to trailing interest by prohibiting credit card issuers from adding interest charges to a credit card debt which the consumer paid on time and in full in response to a billing statement.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.46667
Positive
Harvard-IV (Absolute)
0.46667
Positive
Harvard-IV (Logit)
0.93827
VADER
0.782
Very Positive
Moderation
Violence
0.0172731394
OpenAI Moderation v1 (007)
Violence > Graphic
0.0127260675
OpenAI Moderation v1 (007)
Harassment
0.0052331856
OpenAI Moderation v1 (007)
Hate
0.0010545632
OpenAI Moderation v1 (007)
Sexual
0.0005274687
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003678687
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002650905
OpenAI Moderation v1 (007)
Self-Harm
0.000167347
OpenAI Moderation v1 (007)
Self-Harm > Intent
6.66949E-5
OpenAI Moderation v1 (007)
Hate > Threatening
5.14692E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.48602E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.351
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
96.504
Magnitude:
81
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
39.3
Gunning-Fog Score
19
Coleman-Liau Index
10.4
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
25
Sprache Difficult Word Count
20
Carl Levin
A third problem examined by the subcommittee involves a widespread industry practice in which credit card issuers claim the right to unilaterally change the terms of a credit card agreement at any time for any reason with only a 15-day notice to the consumer under the Truth in Lending Act.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.6
Very Positive
Harvard-IV (Absolute)
0.6
Very Positive
Harvard-IV (Logit)
1.22378
VADER
0.791
Very Positive
Moderation
Violence
0.0487134763
OpenAI Moderation v1 (007)
Violence > Graphic
0.0179502298
OpenAI Moderation v1 (007)
Harassment
0.0046470053
OpenAI Moderation v1 (007)
Sexual
0.0013598081
OpenAI Moderation v1 (007)
Hate
0.0011233458
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0006862637
OpenAI Moderation v1 (007)
Sexual > Minors
0.0004040909
OpenAI Moderation v1 (007)
Self-Harm
0.0002717595
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002294444
OpenAI Moderation v1 (007)
Self-Harm > Instructions
8.51829E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.11286E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.167
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
96.215
Magnitude:
99
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Economy, Business and Finance > Macro Economics > Consumer Issue
Score:
71
Magnitude:
0.119
Code:
4008002
Url:
https://cv.iptc.org/newscodes/subjectcode/04008002
Wikidata_id:
Q664183
Wikidata_label:
consumer protection
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
19
Gunning-Fog Score
19
Coleman-Liau Index
11.6
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
15
Carl Levin
As the National Consumer Law Center testified at our hearing, this practice means that smart shoppers who choose a credit card after comparing a variety of card options are continually vulnerable to a change-in-terms notice that alters the favorable terms they selected, and provides them with only 15 days to accept the changes or find an alternative. By asserting the right to make unilateral changes to credit card terms on short notice, credit card issuers undermine not only the bargaining power of individual consumers, but also principles of fair market competition. Such unilateral changes are particularly unfair when they alter material terms in a credit card agreement such as the interest rate applicable to extensions of credit.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
0.72727
Very Positive
Harvard-IV (Absolute)
0.72727
Very Positive
Harvard-IV (Logit)
1.71765
VADER
0.962
Very Positive
Moderation
Violence
0.0311840413
OpenAI Moderation v1 (007)
Violence > Graphic
0.0171404259
OpenAI Moderation v1 (007)
Harassment
0.0072483803
OpenAI Moderation v1 (007)
Hate
0.0018046847
OpenAI Moderation v1 (007)
Sexual
0.0016642372
OpenAI Moderation v1 (007)
Sexual > Minors
0.000776796
OpenAI Moderation v1 (007)
Self-Harm
0.0002532507
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001982403
OpenAI Moderation v1 (007)
Harassment > Threatening
4.86009E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.69555E-5
OpenAI Moderation v1 (007)
Hate > Threatening
7.1924E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Loan Market
Score:
100
Magnitude:
0.807
Code:
4008012
Url:
https://cv.iptc.org/newscodes/subjectcode/04008012
Wikidata_id:
Q627543
Wikidata_label:
money market
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.743
Magnitude:
78
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
13.7
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
37
Sprache Difficult Word Count
38
Carl Levin
That is why our bill would impose two types of limits on credit card interest rate hikes. First, for consumers who comply with the terms of their credit card agreements, the bill would prohibit a credit card issuer from unilaterally hiking an interest rate that was represented to, and included in the disclosures provided, to a consumer under the Truth in Lending Act, unless the consumer affirmatively agreed in writing to the increase at the time it is proposed. This prohibition is intended to protect responsible consumers who play by the rules from a sudden hike in their interest rate for no apparent reason -- a complaint that the subcommittee has heard all too often. Under our bill, issuers would no longer be able to unilaterally hike the interest rates of cardholders who play by the rules.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.52381
Very Positive
Harvard-IV (Absolute)
0.52381
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.979
Very Positive
Moderation
Violence
0.0718321011
OpenAI Moderation v1 (007)
Violence > Graphic
0.0262040878
OpenAI Moderation v1 (007)
Harassment
0.0064134212
OpenAI Moderation v1 (007)
Hate
0.000527271
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002230257
OpenAI Moderation v1 (007)
Sexual
0.0001988373
OpenAI Moderation v1 (007)
Self-Harm
5.67951E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.79822E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.79671E-5
OpenAI Moderation v1 (007)
Hate > Threatening
5.2277E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.0385E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.773
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Foreign Trade
Score:
51.574
Magnitude:
92
Code:
18
Url:
https://fsc.al/cap-mc#18
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
34.9
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
43
Sprache Difficult Word Count
37
Carl Levin
The bill's second limit would apply to consumers who, for whatever reason, failed to comply with the terms of their credit card agreement, perhaps by paying late or exceeding the credit limit. In that circumstance, credit card issuers would be permitted to impose a penalty interest rate on the account, but the bill would place a cap on how high that penalty interest rate could go.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.56495
Harvard-IV (Relative)
0.42857
Positive
Harvard-IV (Absolute)
0.42857
Positive
Harvard-IV (Logit)
0.8473
VADER
0.412
Positive
Moderation
Violence
0.105751364
OpenAI Moderation v1 (007)
Harassment
0.0796432025
OpenAI Moderation v1 (007)
Violence > Graphic
0.0378032681
OpenAI Moderation v1 (007)
Self-Harm
0.0122127763
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0090503636
OpenAI Moderation v1 (007)
Hate
0.0044917586
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0012223599
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0010126088
OpenAI Moderation v1 (007)
Sexual
0.0006976879
OpenAI Moderation v1 (007)
Sexual > Minors
6.00019E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.21258E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.562
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.531
Magnitude:
60
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
43.9
Gunning-Fog Score
19
Coleman-Liau Index
11.9
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
22
Sprache Difficult Word Count
22
Carl Levin
Specifically, the bill would limit any such penalty rate hike to no more than a 7 percent increase above the interest rate in effect before the penalty rate was imposed. That means a 10 percent rate could rise no higher than 17 percent, and a 15 percent rate could not exceed 22 percent. This type of interest rate limit is comparable to the caps that today operate in many adjustable mortgages. The effect of the credit card cap would be to prohibit penalty interest rates from dramatically increasing the interest rate imposed on the cardholder, as happened in cases examined by the subcommittee where credit card interest rates jumped from 10 percent or 15 percent to as much as 32 percent. Penalty interest rate hikes that double or triple existing interest rates are simply unreasonable and unfair.
Sentiment
Loughran McDonald (Relative)
-0.6
Very Negative
Loughran McDonald (Absolute)
-0.6
Very Negative
Loughran McDonald (Logit)
-1.22378
Harvard-IV (Relative)
0.2381
Slightly Positive
Harvard-IV (Absolute)
0.2381
Slightly Positive
Harvard-IV (Logit)
0.46262
VADER
0.827
Very Positive
Moderation
Violence > Graphic
0.0255197607
OpenAI Moderation v1 (007)
Violence
0.0250100915
OpenAI Moderation v1 (007)
Harassment
0.0012536462
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0011725553
OpenAI Moderation v1 (007)
Sexual
0.0003101388
OpenAI Moderation v1 (007)
Self-Harm
0.0002010298
OpenAI Moderation v1 (007)
Hate
7.69096E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.39479E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.59567E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.6773E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.4527E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
1
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
85.665
Magnitude:
100
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
44.4
Gunning-Fog Score
18.3
Coleman-Liau Index
11.9
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
50
Sprache Difficult Word Count
34
Carl Levin
If a credit card account were opened with a low introductory interest rate followed by a higher interest rate after a specified period of time, it is intended that the penalty rate cap proposed in the bill would apply to each of those disclosed rates individually. For example, suppose the credit card account had a 0 percent introductory rate for 6 months and a 12 percent rate after that. Suppose further that, during the 6-month introductory period, the cardholder exceeded the credit limit. The bill would allow the card issuer to impose a penalty interest rate of up to 7 percent for the rest of the 6 month period. Once the 6-month period ended, it is intended that the 12 percent rate would take effect. If the consumer were to again exceed the limit, it is intended that any penalty rate imposed upon the account be no greater than 19 percent.
Sentiment
Loughran McDonald (Relative)
-0.5
Very Negative
Loughran McDonald (Absolute)
-0.5
Very Negative
Loughran McDonald (Logit)
-0.95551
Harvard-IV (Relative)
0.55556
Very Positive
Harvard-IV (Absolute)
0.55556
Very Positive
Harvard-IV (Logit)
1.17007
VADER
0.66
Very Positive
Moderation
Violence
0.0378384429
OpenAI Moderation v1 (007)
Violence > Graphic
0.0027245906
OpenAI Moderation v1 (007)
Harassment
0.0010610283
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0007667714
OpenAI Moderation v1 (007)
Sexual
0.0003475311
OpenAI Moderation v1 (007)
Self-Harm
0.0001573012
OpenAI Moderation v1 (007)
Hate
5.65477E-5
OpenAI Moderation v1 (007)
Sexual > Minors
3.34269E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.92417E-5
OpenAI Moderation v1 (007)
Hate > Threatening
4.4042E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.7668E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.684
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.276
Magnitude:
82
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
49.4
Gunning-Fog Score
17.3
Coleman-Liau Index
10.2
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
45
Sprache Difficult Word Count
32
Carl Levin
If a card issuer were to analyze an account and conclude that a penalty rate increase of up to 7 percent would be insufficient to protect against the risk of default on the account, the issuer could choose to reduce the credit limit on the account or cancel the account altogether. If the card issuer chose to cancel the account, it is intended that the consumer would retain the right to pay off any debt on the account using the interest rate that was in effect when the debt was incurred.
Sentiment
Loughran McDonald (Relative)
-0.71429
Very Negative
Loughran McDonald (Absolute)
-0.71429
Very Negative
Loughran McDonald (Logit)
-1.46634
Harvard-IV (Relative)
0.36842
Somewhat Positive
Harvard-IV (Absolute)
0.36842
Somewhat Positive
Harvard-IV (Logit)
0.73089
VADER
-0.459
Negative
Moderation
Violence
0.0990418252
OpenAI Moderation v1 (007)
Violence > Graphic
0.0091341441
OpenAI Moderation v1 (007)
Harassment
0.0013298561
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000859329
OpenAI Moderation v1 (007)
Sexual
0.0002407227
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002398098
OpenAI Moderation v1 (007)
Hate
0.0001607451
OpenAI Moderation v1 (007)
Self-Harm
0.000140477
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.17323E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.25083E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.12674E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.339
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
94.296
Magnitude:
86
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
36.1
Gunning-Fog Score
19
Coleman-Liau Index
9.8
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
26
Sprache Difficult Word Count
26
Carl Levin
The point of the bill's penalty interest rate cap is to stop penalty interest rate hikes which are disproportional; which too often stick families with sky-high interest rates of 25 percent, 30 percent, and even 32 percent; and which too often make it virtually impossible for working American families to climb out of debt.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.58779
VADER
-0.178
Leans Negative
Moderation
Violence
0.0235222615
OpenAI Moderation v1 (007)
Violence > Graphic
0.020331626
OpenAI Moderation v1 (007)
Sexual
0.0008584166
OpenAI Moderation v1 (007)
Harassment
0.0004664794
OpenAI Moderation v1 (007)
Hate
0.0003310237
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001091281
OpenAI Moderation v1 (007)
Self-Harm
3.20237E-5
OpenAI Moderation v1 (007)
Harassment > Threatening
2.9633E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
1.03264E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.8553E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.598E-7
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.323
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.324
Magnitude:
81
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
17.2
Gunning-Fog Score
19
Coleman-Liau Index
11.8
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
12
Carl Levin
Still another troubling practice involving credit card interest rate hikes is the problem of retroactive application. Industry practice today is to apply an increased interest rate not only to new debt incurred by the cardholder, but also to previously incurred debt.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.09091
Neutral
Harvard-IV (Absolute)
0.09091
Neutral
Harvard-IV (Logit)
0.16705
VADER
-0.412
Negative
Moderation
Violence
0.0641185674
OpenAI Moderation v1 (007)
Violence > Graphic
0.0175169887
OpenAI Moderation v1 (007)
Harassment
0.0093049071
OpenAI Moderation v1 (007)
Hate
0.0021345744
OpenAI Moderation v1 (007)
Sexual
0.0020087582
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0008804467
OpenAI Moderation v1 (007)
Self-Harm
0.0004189396
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001699506
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.34814E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.51154E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
6.3252E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.244
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.397
Magnitude:
100
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
33.3
Gunning-Fog Score
18
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.7
Sprache Readability Score
4.4
Dale-Chall Difficult Word Score
20
Sprache Difficult Word Count
15
Carl Levin
Retroactive application of a higher interest rate means that pre- existing credit card debt suddenly costs a consumer much more to repay. Take, for example, a $3,000 credit card debt that a consumer was paying down each month with timely payments. Suddenly, the cardholder falls ill, misses a payment or pays it late, and the card issuer increases the interest rate from 15 percent to 22 percent. If applied to the existing $3,000 debt, that higher rate would require the cardholder to make a much steeper minimum monthly payment and pay much more interest than originally planned. That is often enough to sink a working family into a deepening spiral of debt from which they cannot recover.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.66667
Very Positive
Harvard-IV (Absolute)
0.66667
Very Positive
Harvard-IV (Logit)
1.43508
VADER
0.094
Neutral
Moderation
Violence
0.1153166755
OpenAI Moderation v1 (007)
Violence > Graphic
0.0933634466
OpenAI Moderation v1 (007)
Self-Harm
0.0116028605
OpenAI Moderation v1 (007)
Sexual
0.0032904289
OpenAI Moderation v1 (007)
Harassment
0.0023775106
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0020779938
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0014434267
OpenAI Moderation v1 (007)
Hate
0.0008909082
OpenAI Moderation v1 (007)
Sexual > Minors
0.0005025468
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001540885
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001228798
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.949
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.641
Magnitude:
39
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
11.5
Flesch-Kincaid Ease
54.7
Gunning-Fog Score
16.2
Coleman-Liau Index
11.3
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
40
Sprache Difficult Word Count
35
Carl Levin
By making it a common practice to institute after-the-fact interest rate hikes for existing credit card debt -- in effect unilaterally changing the terms of an existing loan -- the credit card industry has unfairly positioned itself to reap greater profits at consumers' expense. Our bill would fight back by limiting the retroactive application of interest rate hikes to lessen the financial impact on American households. Specifically, our bill would provide that interest rate hikes could be applied only to future credit card debt and not to any credit card debt incurred prior to the rate increase. Instead, any earlier debt would continue to accrue interest at the rate previously in effect.
Sentiment
Loughran McDonald (Relative)
0.42857
Positive
Loughran McDonald (Absolute)
0.42857
Positive
Loughran McDonald (Logit)
0.78846
Harvard-IV (Relative)
0.66667
Very Positive
Harvard-IV (Absolute)
0.66667
Very Positive
Harvard-IV (Logit)
1.51635
VADER
0.925
Very Positive
Moderation
Violence
0.0302763219
OpenAI Moderation v1 (007)
Violence > Graphic
0.0087937646
OpenAI Moderation v1 (007)
Harassment
0.0006268955
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0004444905
OpenAI Moderation v1 (007)
Sexual
0.0004430402
OpenAI Moderation v1 (007)
Self-Harm
0.0001222294
OpenAI Moderation v1 (007)
Hate
5.22511E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
4.27073E-5
OpenAI Moderation v1 (007)
Sexual > Minors
3.36154E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
7.8347E-6
OpenAI Moderation v1 (007)
Hate > Threatening
4.7392E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Finance (General) > Money and Monetary Policy
Score:
100
Magnitude:
0.664
Code:
4019001
Url:
https://cv.iptc.org/newscodes/subjectcode/04019001
Wikidata_id:
Q178476
Wikidata_label:
monetary policy
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
92
Magnitude:
0.612
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
91.283
Magnitude:
101
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
32.6
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
50
Sprache Difficult Word Count
42
Carl Levin
The first set of provisions in our bill addresses unfair practices related to interest rates. The next set of provisions targets unfair practices related to fees imposed on cardholders by credit card companies.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.25
Slightly Positive
Harvard-IV (Absolute)
0.25
Slightly Positive
Harvard-IV (Logit)
0.45199
VADER
-0.226
Slightly Negative
Moderation
Violence
0.0119803226
OpenAI Moderation v1 (007)
Violence > Graphic
0.0022135568
OpenAI Moderation v1 (007)
Harassment
0.000618445
OpenAI Moderation v1 (007)
Sexual
0.0004097422
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002631548
OpenAI Moderation v1 (007)
Hate
0.0002374515
OpenAI Moderation v1 (007)
Sexual > Minors
2.83162E-5
OpenAI Moderation v1 (007)
Self-Harm
2.54035E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.21429E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
7.5455E-6
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.5412E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.069
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.321
Magnitude:
91
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Economy, Business and Finance > Macro Economics > Business Enterprises
Score:
82
Magnitude:
0.057
Code:
4008034
Url:
https://cv.iptc.org/newscodes/subjectcode/04008034
Wikidata_id:
Q4830453
Wikidata_label:
business
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
11.6
Flesch-Kincaid Ease
41.4
Gunning-Fog Score
18.7
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
11.9
Dale-Chall Readability Score
6.6
Sprache Readability Score
3.7
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
13
Carl Levin
The need for proconsumer fee protections is illustrated by the story of Wes Wannemacher of Ohio, a witness featured at the subcommittee's March hearing. In 2001 and 2002, Mr. Wannemacher charged about $3,200 on a new Chase credit card to pay for expenses mostly related to his wedding. Over the next 6 years, he paid about $6,300 toward that debt, yet in February 2007, Chase said that he still owed them about $4,400.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
-0.273
Slightly Negative
Moderation
Violence
0.0098437122
OpenAI Moderation v1 (007)
Violence > Graphic
0.0018004215
OpenAI Moderation v1 (007)
Sexual
0.0003535972
OpenAI Moderation v1 (007)
Harassment
0.00030678
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002889095
OpenAI Moderation v1 (007)
Self-Harm
0.0001369776
OpenAI Moderation v1 (007)
Hate
8.19864E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
6.07881E-5
OpenAI Moderation v1 (007)
Harassment > Threatening
4.78252E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.96008E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.33206E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
97.676
Magnitude:
274
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
8.4
Flesch-Kincaid Ease
68.4
Gunning-Fog Score
11.3
Coleman-Liau Index
7.8
SMOG Index
12
Automated Readability Index
7
Dale-Chall Readability Score
4.7
Sprache Readability Score
4.6
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
20
Carl Levin
How could Mr. Wannemacher pay nearly double his original credit card debt and still owe $4,400? As he explained in his testimony, in addition to repaying the original debt of $3,200, Mr. Wannemacher was socked with $4,900 in interest charges, $1,100 in late fees, and 47 over-limit fees totaling $1,500, despite going over his $3,000 credit limit by a total of $200. These facts show that Mr. Wannemacher paid $2,600 in fees on a $3,200 debt. In addition, those fees were added to his outstanding credit card balance, and he was charged interest on the fee amounts, increasing his debt by hundreds if not thousands of additional dollars. There is something so wrong with this picture, that Chase didn't even defend its treatment of the account at the subcommittee hearing; instead, Chase forgave the $4,400 debt that it said was still owing on the Wannemacher credit card.
Sentiment
Loughran McDonald (Relative)
-0.66667
Very Negative
Loughran McDonald (Absolute)
-0.66667
Very Negative
Loughran McDonald (Logit)
-1.29928
Harvard-IV (Relative)
0.3
Slightly Positive
Harvard-IV (Absolute)
0.3
Slightly Positive
Harvard-IV (Logit)
0.58779
VADER
0.891
Very Positive
Moderation
Violence
0.083022227
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0100005622
OpenAI Moderation v1 (007)
Harassment
0.0038851816
OpenAI Moderation v1 (007)
Violence > Graphic
0.0035017609
OpenAI Moderation v1 (007)
Self-Harm
0.0008866052
OpenAI Moderation v1 (007)
Sexual
0.000427858
OpenAI Moderation v1 (007)
Hate > Threatening
0.0003400216
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001924483
OpenAI Moderation v1 (007)
Sexual > Minors
7.99016E-5
OpenAI Moderation v1 (007)
Hate
6.83156E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.29844E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.159
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.511
Magnitude:
142
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
8.2
Flesch-Kincaid Ease
71.1
Gunning-Fog Score
12.2
Coleman-Liau Index
8.4
SMOG Index
11.8
Automated Readability Index
7.7
Dale-Chall Readability Score
5.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
45
Sprache Difficult Word Count
36
Carl Levin
It is no secret that credit card companies are making a great deal of money off the fees they are imposing on consumers. According to GAO, fee income now produces about 10 percent of all income obtained by credit card issuers. The GAO report which I commissioned on this subject identified a host of different fees that have become common practice, including fees for transferring balances, making a late payment, exceeding a credit limit, paying a bill by telephone, and exchanging foreign currency. According to GAO, late fees now average $34 per month and over-limit fees average $31 per month, with some of these fees climbing as high as $39 per month. As Mr. Wannemacher discovered, these hefty fees are not only added to the credit card's outstanding balance, they also incur interest. The higher the fees climb, the higher the balances owed, and the higher the interest charges on top of that.
Sentiment
Loughran McDonald (Relative)
-0.66667
Very Negative
Loughran McDonald (Absolute)
-0.66667
Very Negative
Loughran McDonald (Logit)
-1.29928
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.66648
VADER
0.967
Very Positive
Moderation
Harassment
0.1014938229
OpenAI Moderation v1 (007)
Violence
0.0248855446
OpenAI Moderation v1 (007)
Hate
0.0207083067
OpenAI Moderation v1 (007)
Violence > Graphic
0.0146968436
OpenAI Moderation v1 (007)
Self-Harm
0.0031763
OpenAI Moderation v1 (007)
Sexual
0.0019088098
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0005806171
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003661397
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0002263875
OpenAI Moderation v1 (007)
Sexual > Minors
5.96912E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.6614E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.077
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.733
Magnitude:
104
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
11.3
Flesch-Kincaid Ease
53.2
Gunning-Fog Score
15.3
Coleman-Liau Index
11.6
SMOG Index
12
Automated Readability Index
11.5
Dale-Chall Readability Score
7.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
60
Sprache Difficult Word Count
45
Carl Levin
Charging interest on money borrowed is certainly justified, but squeezing additional dollars from consumers by charging interest on transaction fees goes too far. Steep fees already deepen household debt from credit cards; those fees should not also generate interest income for the credit card issuer. Our bill would ban this industrywide practice by prohibiting credit card issuers from charging or collecting interest on the fees imposed on consumers.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.64663
VADER
0.906
Very Positive
Moderation
Harassment
0.0360554259
OpenAI Moderation v1 (007)
Violence
0.0337485486
OpenAI Moderation v1 (007)
Violence > Graphic
0.0320649007
OpenAI Moderation v1 (007)
Hate
0.0318362931
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0110188819
OpenAI Moderation v1 (007)
Sexual
0.0045524808
OpenAI Moderation v1 (007)
Self-Harm
0.0040960422
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.001276693
OpenAI Moderation v1 (007)
Hate > Threatening
0.0005520737
OpenAI Moderation v1 (007)
Sexual > Minors
0.0005079535
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.44969E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.085
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.402
Magnitude:
61
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
28.3
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
33
Sprache Difficult Word Count
24
Carl Levin
Mr. Wannemacher exceeded the $3,000 limit on his credit card on three occasions in 2001 and 2002 for a total of $200. Over the following 6 years, however, he was charged over-the-limit fees on 47 occasions totaling about $1,500. In other words, Chase tried to collect over-the- limit fees from Mr. Wannemacher that were seven times larger than the amount he went over the limit.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
-0.71429
Very Negative
Harvard-IV (Absolute)
-0.71429
Very Negative
Harvard-IV (Logit)
-1.46634
VADER
0.202
Slightly Positive
Moderation
Violence
0.0920657767
OpenAI Moderation v1 (007)
Violence > Graphic
0.0184262535
OpenAI Moderation v1 (007)
Harassment
0.0030818919
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0019399005
OpenAI Moderation v1 (007)
Sexual
0.0006188149
OpenAI Moderation v1 (007)
Self-Harm
0.0005835715
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0002094386
OpenAI Moderation v1 (007)
Hate
0.0002045811
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.65377E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.46565E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.57549E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
97.724
Magnitude:
21
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
6.1
Flesch-Kincaid Ease
76.6
Gunning-Fog Score
10.2
Coleman-Liau Index
7.3
SMOG Index
10.5
Automated Readability Index
4.1
Dale-Chall Readability Score
5
Sprache Readability Score
3.7
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
16
Carl Levin
At our March hearing, Chase did not attempt to defend the 47 over- the-limit fees it imposed; instead, it announced that it was changing its policy and would join with others in the industry in imposing no more than three over-the-limit fees in a row on a credit card account with an outstanding balance that exceeded the credit limit. While Chase's voluntary change in policy is welcome, it doesn't go far enough in curbing abusive practices related to over-the-limit fees.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.56495
Harvard-IV (Relative)
0.17647
Leans Positive
Harvard-IV (Absolute)
0.17647
Leans Positive
Harvard-IV (Logit)
0.33647
VADER
0.743
Very Positive
Moderation
Violence
0.0254648039
OpenAI Moderation v1 (007)
Violence > Graphic
0.0186382094
OpenAI Moderation v1 (007)
Harassment
0.0053802785
OpenAI Moderation v1 (007)
Self-Harm
0.0007995911
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000699414
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0004339302
OpenAI Moderation v1 (007)
Hate
0.0003974923
OpenAI Moderation v1 (007)
Sexual
0.0003894393
OpenAI Moderation v1 (007)
Sexual > Minors
0.0002111775
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.58077E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.68977E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
97.652
Magnitude:
124
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
35.3
Gunning-Fog Score
19
Coleman-Liau Index
10.5
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
26
Sprache Difficult Word Count
23
Carl Levin
First, if a credit card issuer approves the extension of credit that allows the cardholder to exceed the account's established credit limit, the issuer should be allowed to impose only one over-the-limit fee for that credit extension. One fee for one violation -- especially when the card issuer facilitated the violation by approving the excess credit charge.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
0.26316
Slightly Positive
Harvard-IV (Absolute)
0.26316
Slightly Positive
Harvard-IV (Logit)
0.51083
VADER
0.727
Very Positive
Moderation
Violence > Graphic
0.1199155929
OpenAI Moderation v1 (007)
Violence
0.0743557932
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0200791561
OpenAI Moderation v1 (007)
Harassment
0.0176349524
OpenAI Moderation v1 (007)
Sexual
0.0148518084
OpenAI Moderation v1 (007)
Hate
0.0017040147
OpenAI Moderation v1 (007)
Self-Harm
0.0017031991
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003116227
OpenAI Moderation v1 (007)
Hate > Threatening
9.87809E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.80874E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.5405E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.225
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
97.466
Magnitude:
217
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
19.9
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
27
Sprache Difficult Word Count
19
Carl Levin
Second, the fee should be imposed only if the account balance is over the credit limit at the end of the billing cycle. If a cardholder exceeds the limit in the middle of the billing cycle and then takes prompt action to reduce the balance below the limit, perhaps by making a payment or obtaining a credit for returning a purchase, there is no injury to the creditor and no justification for an over-the-limit fee.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.3979
Harvard-IV (Relative)
0.14286
Leans Positive
Harvard-IV (Absolute)
0.14286
Leans Positive
Harvard-IV (Logit)
0.26826
VADER
-0.34
Somewhat Negative
Moderation
Violence
0.0204041207
OpenAI Moderation v1 (007)
Harassment
0.0125288163
OpenAI Moderation v1 (007)
Violence > Graphic
0.0049431084
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0015874595
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0013430999
OpenAI Moderation v1 (007)
Self-Harm
0.0012029776
OpenAI Moderation v1 (007)
Hate
0.0007399697
OpenAI Moderation v1 (007)
Sexual
0.0001212691
OpenAI Moderation v1 (007)
Sexual > Minors
3.40537E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.02157E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.20107E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Domestic Commerce
Score:
97.396
Magnitude:
88
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
37
Gunning-Fog Score
19
Coleman-Liau Index
9.7
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
26
Sprache Difficult Word Count
22
Carl Levin
Third, a credit card issuer should impose an over-the-limit fee only when an action taken by the cardholder causes the credit limit to be exceeded, and not when a penalty imposed by the card issuer causes the excess charge. The card issuer should not be able to pile penalty upon penalty, such as by assessing a late fee on an account and then, if the late fee pushes the credit card balance over the credit limit, also imposing an over-the-limit fee.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-3.04452
Harvard-IV (Relative)
-0.33333
Somewhat Negative
Harvard-IV (Absolute)
-0.33333
Somewhat Negative
Harvard-IV (Logit)
-0.64663
VADER
0.356
Somewhat Positive
Moderation
Violence
0.0225188851
OpenAI Moderation v1 (007)
Violence > Graphic
0.01599159
OpenAI Moderation v1 (007)
Harassment
0.0093707291
OpenAI Moderation v1 (007)
Hate
0.0015871628
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003407803
OpenAI Moderation v1 (007)
Self-Harm
0.0001658285
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001049019
OpenAI Moderation v1 (007)
Sexual
3.18157E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.14693E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.10272E-5
OpenAI Moderation v1 (007)
Sexual > Minors
1.20876E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.08
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Domestic Commerce
Score:
95.688
Magnitude:
80
Code:
15
Url:
https://fsc.al/cap-mc#15
Source:
Comparative Agendas
Topic:
Crime, Law and Justice > Punishment
Score:
83
Magnitude:
0.066
Code:
2004000
Url:
https://cv.iptc.org/newscodes/subjectcode/02004000
Wikidata_id:
Q186361
Wikidata_label:
punishment
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
31.3
Gunning-Fog Score
19
Coleman-Liau Index
9.1
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
29
Sprache Difficult Word Count
18
Carl Levin
In addition, the bill would require credit card issuers to offer consumers the option of establishing a true credit limit on their account -- a credit limit that could not be exceeded, because the account would be programmed to refuse approval of any extension of credit over the established limit. In too many cases, credit card issuers no longer provide consumers with the option of having a fixed credit limit, preferring instead to enable all of their cardholders to exceed their credit limits only to be penalized by a hefty fee, added interest, and, possibly, a penalty interest rate.
Sentiment
Loughran McDonald (Relative)
-0.77778
Very Negative
Loughran McDonald (Absolute)
-0.77778
Very Negative
Loughran McDonald (Logit)
-1.7346
Harvard-IV (Relative)
0.53846
Very Positive
Harvard-IV (Absolute)
0.53846
Very Positive
Harvard-IV (Logit)
1.14862
VADER
0.967
Very Positive
Moderation
Violence > Graphic
0.093752268
OpenAI Moderation v1 (007)
Violence
0.0255478284
OpenAI Moderation v1 (007)
Harassment
0.0016782767
OpenAI Moderation v1 (007)
Sexual > Minors
0.0009171246
OpenAI Moderation v1 (007)
Sexual
0.0007106794
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0001754879
OpenAI Moderation v1 (007)
Self-Harm
0.0001574727
OpenAI Moderation v1 (007)
Hate
0.0001259025
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001102147
OpenAI Moderation v1 (007)
Hate > Threatening
1.6069E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.2218E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.707
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
51
Magnitude:
0.359
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
10.3
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
41
Sprache Difficult Word Count
31
Carl Levin
There is more. Another unfair but common fee is what I call the "pay-to-pay fee." It is the $5 to $15 fee that many issuers charge consumers to pay their credit card bill on time by using the telephone. To me, charging folks a fee to pay their bills is a travesty. My bill would prohibit a credit card issuer from charging a separate fee to allow a credit cardholder to pay all or part of a credit card balance.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.41176
Positive
Harvard-IV (Absolute)
0.41176
Positive
Harvard-IV (Logit)
0.82098
VADER
0.711
Very Positive
Moderation
Violence
0.0263608759
OpenAI Moderation v1 (007)
Violence > Graphic
0.0093379029
OpenAI Moderation v1 (007)
Harassment
0.0019844094
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0008629639
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0007237362
OpenAI Moderation v1 (007)
Sexual
0.0006598558
OpenAI Moderation v1 (007)
Hate
0.0003967054
OpenAI Moderation v1 (007)
Self-Harm
0.0002133222
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001517385
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001277912
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.70786E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.085
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Health
Score:
88.93
Magnitude:
19
Code:
3
Url:
https://fsc.al/cap-mc#3
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
6.8
Flesch-Kincaid Ease
75.7
Gunning-Fog Score
11
Coleman-Liau Index
7
SMOG Index
10.9
Automated Readability Index
5
Dale-Chall Readability Score
4.7
Sprache Readability Score
4
Dale-Chall Difficult Word Score
20
Sprache Difficult Word Count
17
Carl Levin
Another fee that has raised eyebrows is the one charged by credit card issuers to exchange dollars into or from a foreign currency. A number of issuers today charge an amount equal to 2 percent of the amount of currency being exchanged in addition to a 1-percent "conversion fee" charged by Visa or Master Card, for a total of 3 percent Our bill responds by requiring foreign currency exchange fees to reasonably reflect the actual costs incurred by the creditor to perform the currency exchange, and requiring regulators to ensure compliance with that standard.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
-0.06667
Neutral
Harvard-IV (Absolute)
-0.06667
Neutral
Harvard-IV (Logit)
-0.12516
VADER
0.422
Positive
Moderation
Violence
0.002917784
OpenAI Moderation v1 (007)
Sexual
0.0013785542
OpenAI Moderation v1 (007)
Sexual > Minors
0.001125673
OpenAI Moderation v1 (007)
Hate > Threatening
0.0010531661
OpenAI Moderation v1 (007)
Harassment
0.0008659721
OpenAI Moderation v1 (007)
Violence > Graphic
0.0006418737
OpenAI Moderation v1 (007)
Hate
0.0003246045
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002977742
OpenAI Moderation v1 (007)
Self-Harm > Intent
3.43196E-5
OpenAI Moderation v1 (007)
Self-Harm
2.30169E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.0225E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Financial Markets
Score:
100
Magnitude:
0.267
Code:
4008023
Url:
https://cv.iptc.org/newscodes/subjectcode/04008023
Wikidata_id:
Q179076
Wikidata_label:
exchange
Source:
IPTC Subject
Topic:
Health
Score:
95.399
Magnitude:
82
Code:
3
Url:
https://fsc.al/cap-mc#3
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
16.1
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.3
Sprache Readability Score
5
Dale-Chall Difficult Word Score
36
Sprache Difficult Word Count
33
Carl Levin
In addition to unfair practices involving interest rates and fees, the subcommittee investigation uncovered several unfair industry practices involving how credit cardholder payments are applied to satisfy finance charges and other credit card debt. One such practice that has caught the subcommittee's attention is the industrywide practice of applying consumer payments first to the balances with the lowest interest rates.
Sentiment
Loughran McDonald (Relative)
-0.6
Very Negative
Loughran McDonald (Absolute)
-0.6
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.375
Somewhat Positive
Harvard-IV (Absolute)
0.375
Somewhat Positive
Harvard-IV (Logit)
0.7376
VADER
0.202
Slightly Positive
Moderation
Violence
0.0449311337
OpenAI Moderation v1 (007)
Harassment
0.0199358677
OpenAI Moderation v1 (007)
Violence > Graphic
0.0195146291
OpenAI Moderation v1 (007)
Harassment > Threatening
0.006161569
OpenAI Moderation v1 (007)
Self-Harm
0.0027271381
OpenAI Moderation v1 (007)
Sexual
0.0023244067
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0009388688
OpenAI Moderation v1 (007)
Hate
0.0002902179
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0002172162
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001233141
OpenAI Moderation v1 (007)
Sexual > Minors
0.0001089378
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.181
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
63
Magnitude:
0.115
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
11.4
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
27
Sprache Difficult Word Count
24
Carl Levin
Right now, a single credit card account often carries balances subject to multiple interest rates. Credit cards typically use one interest rate for purchases, another for cash advances, and a third for balance transfers. Many card issuers also offer new customers low introductory interest rates, such as 0 or 1 percent, but limit these "come on" rates to a short time period or to a balance transferred from another card. Moreover, many of these interest rates may vary over time, since it is a common practice to offer variable interest rates that rise and fall according to a specified rate or index.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
0.78947
Very Positive
Harvard-IV (Absolute)
0.78947
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0.933
Very Positive
Moderation
Violence > Graphic
0.1232141512
OpenAI Moderation v1 (007)
Violence
0.0712513924
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0176385365
OpenAI Moderation v1 (007)
Harassment
0.0175591485
OpenAI Moderation v1 (007)
Sexual
0.0163839199
OpenAI Moderation v1 (007)
Hate
0.0019285104
OpenAI Moderation v1 (007)
Self-Harm
0.0019256287
OpenAI Moderation v1 (007)
Sexual > Minors
0.0003564031
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001038506
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.89448E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.764E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
1
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Health
Score:
96.267
Magnitude:
156
Code:
3
Url:
https://fsc.al/cap-mc#3
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
41.6
Gunning-Fog Score
18
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
29
Sprache Difficult Word Count
28
Carl Levin
When a consumer payment is made, credit card issuers currently have complete discretion on how to apply that payment to the various balances bearing different interest rates. Consumers are typically given no option to direct where their payments are applied. Today, virtually all credit card issuers apply a consumer payment first to the balance with the lowest interest rate. After that balance is paid off, card issuers apply the payment to the balance with the next lowest interest rate, and so on.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.77778
Very Positive
Harvard-IV (Absolute)
0.77778
Very Positive
Harvard-IV (Logit)
1.7346
VADER
0.778
Very Positive
Moderation
Violence
0.0164346944
OpenAI Moderation v1 (007)
Harassment
0.0093324015
OpenAI Moderation v1 (007)
Sexual
0.0067146844
OpenAI Moderation v1 (007)
Violence > Graphic
0.0032245338
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0022656595
OpenAI Moderation v1 (007)
Sexual > Minors
0.0019403151
OpenAI Moderation v1 (007)
Hate
0.0001004137
OpenAI Moderation v1 (007)
Self-Harm
6.25744E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
5.6034E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.33379E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.16882E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.848
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Health
Score:
95.586
Magnitude:
95
Code:
3
Url:
https://fsc.al/cap-mc#3
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
42.6
Gunning-Fog Score
16
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.6
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
29
Sprache Difficult Word Count
20
Carl Levin
This payment practice clearly favors creditors over consumers. It allows the card issuers to direct payments first to the balances that provide them with the lowest returns, and minimize payments to the balances bearing the highest interest rates so those balances can accumulate more interest for a longer period. Consumers who want to pay off a cash advance bearing a 20 percent interest rate, for example, are told that they cannot make that payment until they first pay off all other balances with a lower interest rate.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.60944
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
3.21888
VADER
0.893
Very Positive
Moderation
Harassment
1.628629677
OpenAI Moderation v1 (007)
Violence > Graphic
0.18949277
OpenAI Moderation v1 (007)
Violence
0.0647801324
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0520894479
OpenAI Moderation v1 (007)
Hate
0.0170355284
OpenAI Moderation v1 (007)
Sexual
0.0126864106
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0014975053
OpenAI Moderation v1 (007)
Self-Harm
0.0010865533
OpenAI Moderation v1 (007)
Sexual > Minors
0.0007575421
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0007322953
OpenAI Moderation v1 (007)
Hate > Threatening
0.0007252182
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
1
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Health
Score:
83.23
Magnitude:
21
Code:
3
Url:
https://fsc.al/cap-mc#3
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
39.3
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.3
Sprache Readability Score
5
Dale-Chall Difficult Word Score
27
Sprache Difficult Word Count
25
Carl Levin
Our bill would replace this unfair industrywide practice with a proconsumer approach. Reversing current industry practice, the bill would require cardholder payments to be applied first to the balance bearing the highest interest rate, and then to each successive balance bearing the next highest rate, until the payment is used up. The bill would also require credit card issuers to apply cardholder payments in the most effective way to minimize the imposition of any fees or interest charges to the account.
Sentiment
Loughran McDonald (Relative)
0.6
Very Positive
Loughran McDonald (Absolute)
0.6
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0.69231
Very Positive
Harvard-IV (Absolute)
0.69231
Very Positive
Harvard-IV (Logit)
1.52606
VADER
0.899
Very Positive
Moderation
Harassment
0.0862152141
OpenAI Moderation v1 (007)
Violence
0.0591616728
OpenAI Moderation v1 (007)
Harassment > Threatening
0.021727306
OpenAI Moderation v1 (007)
Violence > Graphic
0.0103086983
OpenAI Moderation v1 (007)
Hate
0.0034309465
OpenAI Moderation v1 (007)
Sexual
0.0022798953
OpenAI Moderation v1 (007)
Self-Harm
0.0006194118
OpenAI Moderation v1 (007)
Sexual > Minors
0.0006066707
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000299469
OpenAI Moderation v1 (007)
Hate > Threatening
6.45876E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.38962E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.296
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
37.4
Gunning-Fog Score
17.2
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
30
Sprache Difficult Word Count
29
Carl Levin
In addition, the bill would prohibit credit card issuers from imposing late fees on consumers if the issuer was itself responsible for the delay in crediting the payment. For example, if a card issuer changed the mailing address for payments, had to shut down its mail sorting equipment for repairs, or mistakenly routed a consumer payment to the wrong department, the issuer would not be allowed to assess a late fee on the cardholder for the resulting late payment. Instead, if the card issuer caused the late payment, it would be barred from assessing a late fee on the consumer.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-3.04452
Harvard-IV (Relative)
-0.09091
Neutral
Harvard-IV (Absolute)
-0.09091
Neutral
Harvard-IV (Logit)
-0.16705
VADER
-0.361
Somewhat Negative
Moderation
Violence
0.0178413975
OpenAI Moderation v1 (007)
Violence > Graphic
0.0113894203
OpenAI Moderation v1 (007)
Sexual
0.0064244021
OpenAI Moderation v1 (007)
Harassment
0.003261217
OpenAI Moderation v1 (007)
Sexual > Minors
0.0016222755
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0013718696
OpenAI Moderation v1 (007)
Self-Harm
9.98945E-5
OpenAI Moderation v1 (007)
Hate
3.3998E-5
OpenAI Moderation v1 (007)
Self-Harm > Intent
2.1212E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.13211E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
3.1867E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.08
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Education
Score:
96.009
Magnitude:
37
Code:
6
Url:
https://fsc.al/cap-mc#6
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
37.6
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
34
Sprache Difficult Word Count
31
Carl Levin
In addition to provisions to improve practices related to interest rates, fees, and consumer payments, the bill would add two new definitions to the Truth in Lending Act, intended to further address concerns related to unfair credit card practices.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
0.55556
Very Positive
Harvard-IV (Absolute)
0.55556
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.772
Very Positive
Moderation
Violence
0.0344926841
OpenAI Moderation v1 (007)
Violence > Graphic
0.0259150576
OpenAI Moderation v1 (007)
Harassment
0.0023595783
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0023217173
OpenAI Moderation v1 (007)
Self-Harm
0.0023009206
OpenAI Moderation v1 (007)
Sexual
0.0017599334
OpenAI Moderation v1 (007)
Sexual > Minors
0.0013723654
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0008153832
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0005569048
OpenAI Moderation v1 (007)
Hate
7.02227E-5
OpenAI Moderation v1 (007)
Hate > Threatening
3.0065E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.116
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
International Affairs
Score:
81.768
Magnitude:
126
Code:
19
Url:
https://fsc.al/cap-mc#19
Source:
Comparative Agendas
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
55
Magnitude:
0.064
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
19.7
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
19
Carl Levin
The first definition involves use of the term, "prime rate." Many credit card issuers today use variable interest rates that are linked to the "prime rate" or "prime interest rate" and vary over time. For example, a disclosure may indicate that a credit card will bear an interest rate equal to the prime rate plus a specified number of percentage points. Since the 1950s, the term "prime rate" has been commonly understood to mean the lowest interest rate offered by U.S. banks to their most creditworthy borrowers. That is how the term is defined, for example, in Webster's Collegiate Dictionary.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.8
Very Positive
Harvard-IV (Absolute)
0.8
Very Positive
Harvard-IV (Logit)
2.00148
VADER
0.956
Very Positive
Moderation
Violence
0.0424510916
OpenAI Moderation v1 (007)
Violence > Graphic
0.0058122692
OpenAI Moderation v1 (007)
Sexual > Minors
0.0043861008
OpenAI Moderation v1 (007)
Sexual
0.0021963373
OpenAI Moderation v1 (007)
Harassment
0.0015609212
OpenAI Moderation v1 (007)
Harassment > Threatening
0.000929331
OpenAI Moderation v1 (007)
Self-Harm
0.0001521968
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001262337
OpenAI Moderation v1 (007)
Hate > Threatening
7.49819E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
2.09873E-5
OpenAI Moderation v1 (007)
Hate
7.2423E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
1
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Education
Score:
95.8
Magnitude:
140
Code:
6
Url:
https://fsc.al/cap-mc#6
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
8.5
Flesch-Kincaid Ease
59.8
Gunning-Fog Score
12.5
Coleman-Liau Index
11.8
SMOG Index
12
Automated Readability Index
7.9
Dale-Chall Readability Score
6
Sprache Readability Score
4.7
Dale-Chall Difficult Word Score
34
Sprache Difficult Word Count
28
Carl Levin
The problem, however, is that no current statute or regulation defines the prime rate referenced in credit card disclosures under the Truth in Lending Act, and some card issuers have stated expressly that the prime rate used in credit card agreements does not necessarily match the lowest interest rates they provide to their most creditworthy borrowers. Litigation has also arisen between cardholders and card issuers as to what is meant by the term and whether cardholders are being misled. A cite is Lum v. Bank of America, 361 F.3d 217 (3d Cir. 2004).
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.83333
Very Positive
Harvard-IV (Absolute)
0.83333
Very Positive
Harvard-IV (Logit)
2.03688
VADER
0.77
Very Positive
Moderation
Violence
0.0989228603
OpenAI Moderation v1 (007)
Violence > Graphic
0.0208759651
OpenAI Moderation v1 (007)
Harassment
0.0066950168
OpenAI Moderation v1 (007)
Sexual
0.0013942547
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0009830797
OpenAI Moderation v1 (007)
Sexual > Minors
0.0008065004
OpenAI Moderation v1 (007)
Self-Harm > Intent
8.25741E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
5.50345E-5
OpenAI Moderation v1 (007)
Self-Harm
3.8906E-5
OpenAI Moderation v1 (007)
Hate > Threatening
1.66095E-5
OpenAI Moderation v1 (007)
Hate
1.36737E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.18
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Education
Score:
96.331
Magnitude:
42
Code:
6
Url:
https://fsc.al/cap-mc#6
Source:
Comparative Agendas
Topic:
Economy, Business and Finance > Financial and Business Service > Banking
Score:
51
Magnitude:
0.091
Code:
4006002
Url:
https://cv.iptc.org/newscodes/subjectcode/04006002
Wikidata_id:
Q806718
Wikidata_label:
banking industry
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
9
Flesch-Kincaid Ease
58.6
Gunning-Fog Score
13.1
Coleman-Liau Index
11.7
SMOG Index
12
Automated Readability Index
8.4
Dale-Chall Readability Score
6.3
Sprache Readability Score
5
Dale-Chall Difficult Word Score
33
Sprache Difficult Word Count
35
Carl Levin
To remedy this gap in the law, the bill would require credit card disclosures under the Truth in Lending Act that reference the prime rate to use the bank prime loan rate published by the Federal Reserve Board. This published rate is widely accepted in the financial community as an accurate depiction of the lowest interest rate offered by U.S. banks to their most creditworthy borrowers, and the rate is readily available to the public on the Federal Reserve Web site. By mandating use of this published rate, the bill will ensure that consumers are not deceived by a credit card issuer using a misleading definition of the commonly used term "prime rate." The second definition added by the bill to the Truth in Lending Act involves specifying the "primary federal regulator" of a credit card issuer. Today, many credit card issuers are federally chartered or regulated banks subject to one or more Federal bank regulators. The bill would make it clear that when a card issuer is a Federal bank, its primary Federal regulator is the same primary regulator assigned to the bank under Federal banking law. The provision would also make it clear that the primary Federal regulator is responsible for overseeing the bank's credit card operations, ensuring compliance with credit card statutes and regulations, and enforcing the prohibition against unfair or deceptive acts or practices in the Federal Trade Commission Act. Another provision in the bill would make it clear that Federal regulators are expected to conduct at least annual audits to ensure card issuer compliance with the statutes and regulations seeking to ensure fair and effective credit card operations.
Sentiment
Loughran McDonald (Relative)
-0.66667
Very Negative
Loughran McDonald (Absolute)
-0.66667
Very Negative
Loughran McDonald (Logit)
-1.29928
Harvard-IV (Relative)
0.69231
Very Positive
Harvard-IV (Absolute)
0.69231
Very Positive
Harvard-IV (Logit)
1.65542
VADER
0.991
Very Positive
Moderation
Violence
0.0384417974
OpenAI Moderation v1 (007)
Violence > Graphic
0.0155738773
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0067020752
OpenAI Moderation v1 (007)
Sexual
0.0064000349
OpenAI Moderation v1 (007)
Sexual > Minors
0.0059265651
OpenAI Moderation v1 (007)
Harassment
0.0058565005
OpenAI Moderation v1 (007)
Self-Harm
0.0058147143
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0032336393
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0014818627
OpenAI Moderation v1 (007)
Hate
0.0001539497
OpenAI Moderation v1 (007)
Hate > Threatening
7.398E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
1
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Education
Score:
95.307
Magnitude:
37
Code:
6
Url:
https://fsc.al/cap-mc#6
Source:
Comparative Agendas
Topic:
Economy, Business and Finance > Financial and Business Service > Banking
Score:
78
Magnitude:
0.783
Code:
4006002
Url:
https://cv.iptc.org/newscodes/subjectcode/04006002
Wikidata_id:
Q806718
Wikidata_label:
banking industry
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Finance (General) > Money and Monetary Policy
Score:
58
Magnitude:
0.585
Code:
4019001
Url:
https://cv.iptc.org/newscodes/subjectcode/04019001
Wikidata_id:
Q178476
Wikidata_label:
monetary policy
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
31.7
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
105
Sprache Difficult Word Count
76
Carl Levin
The next section of the bill would improve current credit card data collection efforts. Right now, credit card issuers file periodic reports with the Federal Reserve providing information about credit card interest rates and profits. This data plays a critical role in credit card oversight efforts, as well as financial and economic analyses related to consumer spending and household debt. The bill would strengthen current data collection efforts by requiring more specific information on interest rates and fees. For example, current data reports cannot be used to determine how many credit card accounts have interest rates of 25 percent or greater, what types of fees are imposed on consumers, or how many cardholders are affected by such interest rates and fees. The new bill would ensure that regulators, credit card users, and the public have the information needed to answer those basic questions.
Sentiment
Loughran McDonald (Relative)
0.55556
Very Positive
Loughran McDonald (Absolute)
0.55556
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0.65517
Very Positive
Harvard-IV (Absolute)
0.65517
Very Positive
Harvard-IV (Logit)
1.49393
VADER
0.987
Very Positive
Moderation
Violence
0.1433343859
OpenAI Moderation v1 (007)
Violence > Graphic
0.0502574781
OpenAI Moderation v1 (007)
Harassment
0.0051256917
OpenAI Moderation v1 (007)
Sexual > Minors
0.0047020359
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0031515192
OpenAI Moderation v1 (007)
Sexual
0.002028875
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0005674507
OpenAI Moderation v1 (007)
Self-Harm
0.0003056356
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001989128
OpenAI Moderation v1 (007)
Hate > Threatening
3.69951E-5
OpenAI Moderation v1 (007)
Hate
2.4064E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.827
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Education
Score:
96.292
Magnitude:
55
Code:
6
Url:
https://fsc.al/cap-mc#6
Source:
Comparative Agendas
Topic:
Politics > Interior Policy > Personal Data Collection
Score:
87
Magnitude:
0.722
Code:
11016006
Url:
https://cv.iptc.org/newscodes/subjectcode/11016006
Wikidata_id:
Q1999831
Wikidata_label:
privacy policy
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
58
Magnitude:
0.479
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
35.3
Gunning-Fog Score
17.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
63
Sprache Difficult Word Count
52
Carl Levin
The bill would also require the development of credit card industrywide estimates of the approximate relative income derived from interest rates, fees imposed on cardholders, fees imposed on merchants, and any other material source of income. GAO provided this information for the first time in its 2006 report, estimating that the credit card industry now derives about 70 percent of its income from interest charges, 20 percent from interchange fees imposed on merchants, and 10 percent from fees imposed on consumers. This valuable information should continue to be collected so that regulators, credit card users, and the public gain a more informed understanding of the credit card industry.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
2.19722
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
1.03609
VADER
0.958
Very Positive
Moderation
Violence
0.1453815727
OpenAI Moderation v1 (007)
Violence > Graphic
0.0463486154
OpenAI Moderation v1 (007)
Sexual
0.0101869395
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0072256065
OpenAI Moderation v1 (007)
Sexual > Minors
0.0061758874
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0014026593
OpenAI Moderation v1 (007)
Harassment
0.0012085973
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0008063204
OpenAI Moderation v1 (007)
Self-Harm
0.0005569404
OpenAI Moderation v1 (007)
Hate > Threatening
8.40283E-5
OpenAI Moderation v1 (007)
Hate
1.85894E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.102
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Education
Score:
96.928
Magnitude:
67
Code:
6
Url:
https://fsc.al/cap-mc#6
Source:
Comparative Agendas
Topic:
Social Issue > Family
Score:
64
Magnitude:
0.065
Code:
14006000
Url:
https://cv.iptc.org/newscodes/subjectcode/14006000
Wikidata_id:
Q8436
Wikidata_label:
family
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
62
Magnitude:
0.064
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
21.5
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
45
Sprache Difficult Word Count
37
Carl Levin
The bill's data collection requirements are largely modeled upon and intended to replicate key interest rate, fee, and revenue data presented by GAO in its 2006 report, "Credit Cards: Increased Complexity in Rates and Fees Heightens Need for More Effective Disclosures to Consumers." Credit card experts were also consulted to determine what information would be most helpful to strengthen credit card oversight.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.94591
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.99853
VADER
0.963
Very Positive
Moderation
Violence
0.007263555
OpenAI Moderation v1 (007)
Violence > Graphic
0.004596966
OpenAI Moderation v1 (007)
Sexual > Minors
0.0018271592
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0016111715
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0014334564
OpenAI Moderation v1 (007)
Harassment
0.0010535438
OpenAI Moderation v1 (007)
Sexual
0.0007960364
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0005452252
OpenAI Moderation v1 (007)
Self-Harm
0.0001581388
OpenAI Moderation v1 (007)
Hate > Threatening
1.18645E-5
OpenAI Moderation v1 (007)
Hate
6.6911E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.157
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Education
Score:
96.604
Magnitude:
112
Code:
6
Url:
https://fsc.al/cap-mc#6
Source:
Comparative Agendas
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
55
Magnitude:
0.086
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Politics > Interior Policy > Personal Data Collection
Score:
52
Magnitude:
0.082
Code:
11016006
Url:
https://cv.iptc.org/newscodes/subjectcode/11016006
Wikidata_id:
Q1999831
Wikidata_label:
privacy policy
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
25.3
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
9.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
30
Sprache Difficult Word Count
29
Carl Levin
The final provision in the bill would provide a 6-month transition period for credit card issuers to implement the bill's provisions.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0.382
Somewhat Positive
Moderation
Harassment
0.4700544756
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0410573266
OpenAI Moderation v1 (007)
Violence
0.0274540245
OpenAI Moderation v1 (007)
Sexual > Minors
0.0223689189
OpenAI Moderation v1 (007)
Sexual
0.0162497454
OpenAI Moderation v1 (007)
Hate
0.0046964789
OpenAI Moderation v1 (007)
Violence > Graphic
0.0013354392
OpenAI Moderation v1 (007)
Hate > Threatening
0.0006373891
OpenAI Moderation v1 (007)
Self-Harm > Intent
6.74988E-5
OpenAI Moderation v1 (007)
Self-Harm
2.51649E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
1.76092E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.085
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Education
Score:
95.658
Magnitude:
36
Code:
6
Url:
https://fsc.al/cap-mc#6
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
46.1
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.3
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
9
Carl Levin
Credit card issuers like to say that they are engaged in a risky business, lending unsecured debt to millions of consumers, and that's why they have to set interest rates so high and impose so many fees. But the data shows that, typically, 95 to 97 percent of U.S. cardholders pay their bills. And it is clear that credit card operations are enormously profitable. For the last decade, credit card issuers have reported year after year of solid profits, maintained their position as the most profitable sector in the consumer lending field, and reported consistently higher rates of return than commercial banks. Credit card issuers make such a hefty profit that they sent out 8 billion pieces of mail last year soliciting people to sign up.
Sentiment
Loughran McDonald (Relative)
0.66667
Very Positive
Loughran McDonald (Absolute)
0.66667
Very Positive
Loughran McDonald (Logit)
1.29928
Harvard-IV (Relative)
0.56522
Very Positive
Harvard-IV (Absolute)
0.56522
Very Positive
Harvard-IV (Logit)
1.21302
VADER
0.972
Very Positive
Moderation
Violence > Graphic
0.1016314724
OpenAI Moderation v1 (007)
Violence
0.0345956156
OpenAI Moderation v1 (007)
Sexual
0.0053912903
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0051453691
OpenAI Moderation v1 (007)
Harassment
0.0042175441
OpenAI Moderation v1 (007)
Self-Harm
0.0020101246
OpenAI Moderation v1 (007)
Sexual > Minors
0.000614884
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.000128616
OpenAI Moderation v1 (007)
Hate
0.0001226497
OpenAI Moderation v1 (007)
Hate > Threatening
1.47593E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.2601E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.426
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Education
Score:
96.487
Magnitude:
84
Code:
6
Url:
https://fsc.al/cap-mc#6
Source:
Comparative Agendas
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
79
Magnitude:
0.337
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
9.9
Flesch-Kincaid Ease
56.5
Gunning-Fog Score
13.9
Coleman-Liau Index
11.8
SMOG Index
12
Automated Readability Index
9.7
Dale-Chall Readability Score
6.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
42
Sprache Difficult Word Count
37
Carl Levin
With profits like those, credit card issuers can afford to stop treating American families unfairly. They can give up charging interest on debt that was paid on time, give up charging consumers a fee to pay their bills, give up hiking interest rates from 15 percent to 32 percent, and give up imposing repeated over-the-limit fees for a single over-the-limit purchase. As one Michigan businessman expressed it to the subcommittee, "I don't blame the credit card issuers for putting me into debt, but I do blame them for keeping me there." Some argue that Congress doesn't need to ban unfair credit card practices; they contend that improved disclosure alone will empower consumers to seek out better deals. Sunlight can be a powerful disinfectant, which is why I have strongly urged the Federal Reserve Board to expedite its regulatory effort to strengthen credit card disclosure and help consumers understand and compare how various credit cards work. But credit cards have become such complex financial products that even improved disclosure will frequently not be enough to curb the abuses -- first because some practices are so complex that consumers can't easily understand them, and second because better disclosure does not always lead to greater market competition, especially when virtually an entire industry is using and benefiting from practices that disadvantage consumers.
Sentiment
Loughran McDonald (Relative)
0.04762
Neutral
Loughran McDonald (Absolute)
0.04762
Neutral
Loughran McDonald (Logit)
0.09097
Harvard-IV (Relative)
0.31915
Somewhat Positive
Harvard-IV (Absolute)
0.31915
Somewhat Positive
Harvard-IV (Logit)
0.64663
VADER
0.982
Very Positive
Moderation
Sexual
0.0025154504
OpenAI Moderation v1 (007)
Violence
0.0020281244
OpenAI Moderation v1 (007)
Sexual > Minors
0.0010959414
OpenAI Moderation v1 (007)
Self-Harm
0.0007095783
OpenAI Moderation v1 (007)
Violence > Graphic
0.0004678815
OpenAI Moderation v1 (007)
Harassment
0.000295119
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001738425
OpenAI Moderation v1 (007)
Harassment > Threatening
3.5266E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.4759E-6
OpenAI Moderation v1 (007)
Hate
6.5764E-6
OpenAI Moderation v1 (007)
Hate > Threatening
1.4873E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Loan Market
Score:
100
Magnitude:
0.76
Code:
4008012
Url:
https://cv.iptc.org/newscodes/subjectcode/04008012
Wikidata_id:
Q627543
Wikidata_label:
money market
Source:
IPTC Subject
Topic:
Education
Score:
96.268
Magnitude:
92
Code:
6
Url:
https://fsc.al/cap-mc#6
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
27.9
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
80
Sprache Difficult Word Count
69
Carl Levin
So when we find credit card practices that are inherently unfair, consumers are often best served, not by greater disclosure, but by stopping the unfair practices that take advantage of them. Among those practices identified in this bill are unfair interest charges that squeeze consumers who pay their credit card debt on time; unilateral and retroactive interest rate hikes that deepen and prolong credit card debt; unreasonable fees; and payment allocation practices that prevent consumers from paying off the credit card debts bearing the highest interest rates first.
Sentiment
Loughran McDonald (Relative)
-0.4
Negative
Loughran McDonald (Absolute)
-0.4
Negative
Loughran McDonald (Logit)
-0.76214
Harvard-IV (Relative)
0.4
Somewhat Positive
Harvard-IV (Absolute)
0.4
Somewhat Positive
Harvard-IV (Logit)
0.80235
VADER
0.792
Very Positive
Moderation
Violence > Graphic
0.0030884792
OpenAI Moderation v1 (007)
Violence
0.0021757507
OpenAI Moderation v1 (007)
Hate
0.0006294751
OpenAI Moderation v1 (007)
Harassment
0.0005491154
OpenAI Moderation v1 (007)
Self-Harm
0.0004858817
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0003635455
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0002881518
OpenAI Moderation v1 (007)
Self-Harm > Instructions
9.27539E-5
OpenAI Moderation v1 (007)
Sexual
8.57785E-5
OpenAI Moderation v1 (007)
Sexual > Minors
2.73467E-5
OpenAI Moderation v1 (007)
Hate > Threatening
2.19545E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.278
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
99
Magnitude:
0.274
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Civil Rights
Score:
36.436
Magnitude:
46
Code:
2
Url:
https://fsc.al/cap-mc#2
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
17
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
35
Sprache Difficult Word Count
29
Carl Levin
Congress needs to enact proconsumer legislation that puts an end to unfair credit card practices. I am afraid that these practices are too entrenched, too profitable to the credit card companies, and too immune to consumer pressure for the companies to change them on their own. Our bill offers measures that would combat a host of unfair practices that plague consumers and unfairly deepen and prolong their debt. I look forward to working with my colleagues to address these problems.
Sentiment
Loughran McDonald (Relative)
-0.66667
Very Negative
Loughran McDonald (Absolute)
-0.66667
Very Negative
Loughran McDonald (Logit)
-1.29928
Harvard-IV (Relative)
0.26316
Slightly Positive
Harvard-IV (Absolute)
0.26316
Slightly Positive
Harvard-IV (Logit)
0.51083
VADER
-0.691
Very Negative
Moderation
Violence
0.004810622
OpenAI Moderation v1 (007)
Violence > Graphic
0.0031620079
OpenAI Moderation v1 (007)
Sexual
0.0017525106
OpenAI Moderation v1 (007)
Sexual > Minors
0.0015596803
OpenAI Moderation v1 (007)
Harassment
0.0014383643
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0004616616
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0003987707
OpenAI Moderation v1 (007)
Self-Harm
0.000232049
OpenAI Moderation v1 (007)
Self-Harm > Instructions
0.0001511174
OpenAI Moderation v1 (007)
Hate
8.11992E-5
OpenAI Moderation v1 (007)
Hate > Threatening
6.93924E-5
OpenAI Moderation v1 (007)
Topics
Topic:
Economy, Business and Finance > Macro Economics > Consumer Issue
Score:
100
Magnitude:
0.182
Code:
4008002
Url:
https://cv.iptc.org/newscodes/subjectcode/04008002
Wikidata_id:
Q664183
Wikidata_label:
consumer protection
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
92
Magnitude:
0.168
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Health > Disease
Score:
71
Magnitude:
0.13
Code:
7001000
Url:
https://cv.iptc.org/newscodes/subjectcode/07001000
Wikidata_id:
Q814207
Wikidata_label:
illness
Source:
IPTC Subject
Topic:
Economy, Business and Finance
Score:
61
Magnitude:
0.111
Code:
4000000
Url:
https://cv.iptc.org/newscodes/subjectcode/04000000
Wikidata_id:
Q159810
Wikidata_label:
economy
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Macro Economics > Business Enterprises
Score:
60
Magnitude:
0.11
Code:
4008034
Url:
https://cv.iptc.org/newscodes/subjectcode/04008034
Wikidata_id:
Q4830453
Wikidata_label:
business
Source:
IPTC Subject
Topic:
Crime, Law and Justice > Laws
Score:
54
Magnitude:
0.099
Code:
2006000
Url:
https://cv.iptc.org/newscodes/subjectcode/02006000
Wikidata_id:
Q7748
Wikidata_label:
law
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
10.8
Flesch-Kincaid Ease
53.3
Gunning-Fog Score
14
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
25
Sprache Difficult Word Count
24
Carl Levin
Mr. President, I ask unanimous consent that the text of the bill be printed in the Record.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.226
Slightly Positive
Moderation
Violence
0.0084392821
OpenAI Moderation v1 (007)
Violence > Graphic
0.0040870949
OpenAI Moderation v1 (007)
Harassment > Threatening
0.0005471515
OpenAI Moderation v1 (007)
Harassment
0.0005465069
OpenAI Moderation v1 (007)
Sexual
0.0005035418
OpenAI Moderation v1 (007)
Self-Harm > Intent
0.0001375382
OpenAI Moderation v1 (007)
Hate > Threatening
0.0001127165
OpenAI Moderation v1 (007)
Self-Harm
7.50676E-5
OpenAI Moderation v1 (007)
Sexual > Minors
6.54635E-5
OpenAI Moderation v1 (007)
Self-Harm > Instructions
4.0394E-5
OpenAI Moderation v1 (007)
Hate
6.191E-6
OpenAI Moderation v1 (007)
Topics
Topic:
Human Interest > Award and Prize > Record
Score:
100
Magnitude:
0.051
Code:
8006001
Url:
https://cv.iptc.org/newscodes/subjectcode/08006001
Wikidata_id:
Q1241356
Wikidata_label:
record
Source:
IPTC Subject
Topic:
Social Issue > People
Score:
100
Magnitude:
0.051
Code:
14024000
Url:
https://cv.iptc.org/newscodes/subjectcode/14024000
Wikidata_id:
Q1156970
Wikidata_label:
humanity
Source:
IPTC Subject
Topic:
Human Interest > People > Celebrity
Score:
98
Magnitude:
0.051
Code:
8003002
Url:
https://cv.iptc.org/newscodes/subjectcode/08003002
Wikidata_id:
Q211236
Wikidata_label:
celebrity
Source:
IPTC Subject
Topic:
Education
Score:
91.972
Magnitude:
67
Code:
6
Url:
https://fsc.al/cap-mc#6
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
4.4
Flesch-Kincaid Ease
78.8
Gunning-Fog Score
5.8
Coleman-Liau Index
8.8
SMOG Index
7.3
Automated Readability Index
2.5
Dale-Chall Readability Score
6
Sprache Readability Score
2.3
Dale-Chall Difficult Word Score
6
Sprache Difficult Word Count
8
Harry Reid
Mr. President, I rise today to introduce legislation focused on a devastating condition known as inflammatory bowel disease, IBD.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
-1
Very Negative
Harvard-IV (Absolute)
-1
Very Negative
Harvard-IV (Logit)
-1.60944
VADER
-0.402
Negative
Topics
Topic:
Health > Disease
Score:
100
Magnitude:
0.109
Code:
7001000
Url:
https://cv.iptc.org/newscodes/subjectcode/07001000
Wikidata_id:
Q814207
Wikidata_label:
illness
Source:
IPTC Subject
Topic:
Defense
Score:
94.732
Magnitude:
38
Code:
16
Url:
https://fsc.al/cap-mc#16
Source:
Comparative Agendas
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
23.5
Gunning-Fog Score
16.4
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
9.8
Dale-Chall Readability Score
9.6
Sprache Readability Score
2.9
Dale-Chall Difficult Word Score
11
Sprache Difficult Word Count
13
Harry Reid
Crohn's disease and ulcerative colitis, collectively known as inflammatory bowel disease, IBD, are chronic disorders of the gastrointestinal tract which afflict approximately 1.4 million Americans, 30 percent of whom are diagnosed in their childhood years. IBD can cause severe abdominal pain, fever, and intestinal bleeding. Complications related to the disease include; arthritis, osteoporosis, anemia, liver disease, growth and developmental challenges, and colorectal cancer. Inflammatory bowel disease represents a major cause of morbidity from digestive illness and has a devastating impact on patients and families.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-2.19722
Harvard-IV (Relative)
-0.86667
Very Negative
Harvard-IV (Absolute)
-0.86667
Very Negative
Harvard-IV (Logit)
-2.26868
VADER
-0.937
Very Negative
Topics
Topic:
Health > Disease
Score:
100
Magnitude:
1
Code:
7001000
Url:
https://cv.iptc.org/newscodes/subjectcode/07001000
Wikidata_id:
Q814207
Wikidata_label:
illness
Source:
IPTC Subject
Topic:
Government Operations
Score:
81.475
Magnitude:
29
Code:
20
Url:
https://fsc.al/cap-mc#20
Source:
Comparative Agendas
Topic:
Health > Illness
Score:
57
Magnitude:
0.567
Code:
7017000
Url:
https://cv.iptc.org/newscodes/subjectcode/07017000
Wikidata_id:
Q814207
Wikidata_label:
illness
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
5.2
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
9.7
Sprache Readability Score
5
Dale-Chall Difficult Word Score
46
Sprache Difficult Word Count
47
Harry Reid
In the 108th Congress, I sponsored bipartisan legislation focused on IBD. Several important provisions of that bill were incorporated into legislation known as the Research Review Act which was enacted in 2005.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.527
Very Positive
Topics
Topic:
Crime, Law and Justice > Laws
Score:
100
Magnitude:
0.095
Code:
2006000
Url:
https://cv.iptc.org/newscodes/subjectcode/02006000
Wikidata_id:
Q7748
Wikidata_label:
law
Source:
IPTC Subject
Topic:
Science and Technology > Research
Score:
70
Magnitude:
0.067
Code:
13006000
Url:
https://cv.iptc.org/newscodes/subjectcode/13006000
Wikidata_id:
Q42240
Wikidata_label:
research
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
34.6
Gunning-Fog Score
17.7
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
11.4
Dale-Chall Readability Score
6.7
Sprache Readability Score
3.7
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
14
Harry Reid
The legislation I am introducing today builds on the progress made in 2005 by calling for an increased Federal investment in biomedical research on IBD. The hope for a better quality of life for patients and families depends on basic and clinical research sponsored by the National Institute of Diabetes and Digestive and Kidney Diseases, NIDDK, at the National Institutes of Health. The Inflammatory Bowel Disease Research Act calls for an expansion of NIDDK's research portfolio on Crohn's disease and ulcerative colitis in order to capitalize on several exciting discoveries that have broadened our understanding of IBD in recent years. By increasing our investment in this area, we will maximize the possibility that we will be able to offer hope to millions of Americans who suffer from this debilitating disease. At the same time, progress in this area could also mean we would save millions of dollars in net health care expenditures through reduced hospitalizations and surgeries.
Sentiment
Loughran McDonald (Relative)
0.66667
Very Positive
Loughran McDonald (Absolute)
0.66667
Very Positive
Loughran McDonald (Logit)
1.29928
Harvard-IV (Relative)
0.56522
Very Positive
Harvard-IV (Absolute)
0.56522
Very Positive
Harvard-IV (Logit)
1.21302
VADER
0.966
Very Positive
Topics
Topic:
Health > Disease
Score:
100
Magnitude:
0.504
Code:
7001000
Url:
https://cv.iptc.org/newscodes/subjectcode/07001000
Wikidata_id:
Q814207
Wikidata_label:
illness
Source:
IPTC Subject
Topic:
Science and Technology > Research
Score:
69
Magnitude:
0.349
Code:
13006000
Url:
https://cv.iptc.org/newscodes/subjectcode/13006000
Wikidata_id:
Q42240
Wikidata_label:
research
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
24.1
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
56
Sprache Difficult Word Count
53
Harry Reid
In addition to biomedical research, this legislation also calls on the Centers for Disease Control and Prevention to expand its IBD epidemiology program to include additional studies focused on pediatric IBD. As I mentioned earlier, 30 percent of individuals with IBD are diagnosed in their childhood years. Children with IBD often miss school activities for reasons related to IBD and run the risk of having delayed puberty and impaired growth as a result of this illness. It is therefore appropriate that we also dedicate resources to efforts that will allow us to better understand pediatric IBD.
Sentiment
Loughran McDonald (Relative)
-0.6
Very Negative
Loughran McDonald (Absolute)
-0.6
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.14286
Leans Positive
Harvard-IV (Absolute)
0.14286
Leans Positive
Harvard-IV (Logit)
0.26826
VADER
0.772
Very Positive
Topics
Topic:
Health > Disease
Score:
100
Magnitude:
0.571
Code:
7001000
Url:
https://cv.iptc.org/newscodes/subjectcode/07001000
Wikidata_id:
Q814207
Wikidata_label:
illness
Source:
IPTC Subject
Topic:
Health > Medical Research
Score:
100
Magnitude:
0.571
Code:
7005000
Url:
https://cv.iptc.org/newscodes/subjectcode/07005000
Wikidata_id:
Q2752427
Wikidata_label:
medical research
Source:
IPTC Subject
Topic:
Health > Medicine > Western
Score:
54
Magnitude:
0.31
Code:
7007003
Url:
https://cv.iptc.org/newscodes/subjectcode/07007003
Wikidata_id:
Q691640
Wikidata_label:
evidence-based medicine
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
29.1
Gunning-Fog Score
17.5
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
42
Sprache Difficult Word Count
42
Harry Reid
Mr. President, I urge all Senators to join me in this important cause by cosponsoring the Inflammatory Bowel Disease Research Act.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.51083
VADER
0.296
Slightly Positive
Topics
Topic:
Health > Disease
Score:
100
Magnitude:
0.102
Code:
7001000
Url:
https://cv.iptc.org/newscodes/subjectcode/07001000
Wikidata_id:
Q814207
Wikidata_label:
illness
Source:
IPTC Subject
Topic:
Politics > Parliament
Score:
89
Magnitude:
0.091
Code:
11009000
Url:
https://cv.iptc.org/newscodes/subjectcode/11009000
Wikidata_id:
Q35749
Wikidata_label:
parliament
Source:
IPTC Subject
Topic:
Science and Technology > Research
Score:
64
Magnitude:
0.065
Code:
13006000
Url:
https://cv.iptc.org/newscodes/subjectcode/13006000
Wikidata_id:
Q42240
Wikidata_label:
research
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
9.3
Flesch-Kincaid Ease
47.1
Gunning-Fog Score
8
Coleman-Liau Index
12
SMOG Index
11.3
Automated Readability Index
7.8
Dale-Chall Readability Score
7.3
Sprache Readability Score
2.7
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
9
Harry Reid
Mr. President, I ask unanimous consent that the text of the bill be printed in the Record.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.226
Slightly Positive
Topics
Topic:
Human Interest > Award and Prize > Record
Score:
100
Magnitude:
0.051
Code:
8006001
Url:
https://cv.iptc.org/newscodes/subjectcode/08006001
Wikidata_id:
Q1241356
Wikidata_label:
record
Source:
IPTC Subject
Topic:
Social Issue > People
Score:
100
Magnitude:
0.051
Code:
14024000
Url:
https://cv.iptc.org/newscodes/subjectcode/14024000
Wikidata_id:
Q1156970
Wikidata_label:
humanity
Source:
IPTC Subject
Topic:
Human Interest > People > Celebrity
Score:
98
Magnitude:
0.051
Code:
8003002
Url:
https://cv.iptc.org/newscodes/subjectcode/08003002
Wikidata_id:
Q211236
Wikidata_label:
celebrity
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
4.4
Flesch-Kincaid Ease
78.8
Gunning-Fog Score
5.8
Coleman-Liau Index
8.8
SMOG Index
7.3
Automated Readability Index
2.5
Dale-Chall Readability Score
6
Sprache Readability Score
2.3
Dale-Chall Difficult Word Score
6
Sprache Difficult Word Count
8
Joe Biden
Mr. President, I rise today to introduce the College Affordability and Creating Chances for Educational Success for Students Act of 2007, or College ACCESS Act. It will make a 2-year or 4-year college degree affordable for every student.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.3979
VADER
0.772
Very Positive
Topics
Topic:
Education > Teaching and Learning > Students
Score:
100
Magnitude:
0.228
Code:
5010001
Url:
https://cv.iptc.org/newscodes/subjectcode/05010001
Wikidata_id:
Q48282
Wikidata_label:
student
Source:
IPTC Subject
Topic:
Education > University
Score:
56
Magnitude:
0.129
Code:
5007000
Url:
https://cv.iptc.org/newscodes/subjectcode/05007000
Wikidata_id:
Q3918
Wikidata_label:
university
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
8.8
Flesch-Kincaid Ease
55.8
Gunning-Fog Score
8.3
Coleman-Liau Index
11.7
SMOG Index
10.6
Automated Readability Index
7.3
Dale-Chall Readability Score
5.4
Sprache Readability Score
3.3
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
13
Joe Biden
The United States is the largest economy in the world, and our skills, our brains, are the foundation of our economic strength. However, if we do not substantially expand access to higher education, we will not be able to count on continued dominance. Consider the facts: China and India both produce twice as many engineers a year as we produce. One out of five U.S. scientists and engineers are foreign- born. An Indian engineer costs only 20 percent of an American engineer. By 2010, the U.S. will produce about 15 percent of the world's science and engineering doctorate degrees. This is down from 50 percent, half the world total, in 1970. High-speed access to information has leveled the playing field, radiologists in India are reading x-rays from American hospitals.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.60944
Harvard-IV (Relative)
0.75
Very Positive
Harvard-IV (Absolute)
0.75
Very Positive
Harvard-IV (Logit)
1.75786
VADER
0.799
Very Positive
Topics
Topic:
Science and Technology > Engineering
Score:
100
Magnitude:
0.384
Code:
13002000
Url:
https://cv.iptc.org/newscodes/subjectcode/13002000
Wikidata_id:
Q11016
Wikidata_label:
technology
Source:
IPTC Subject
Topic:
Education > University
Score:
72
Magnitude:
0.275
Code:
5007000
Url:
https://cv.iptc.org/newscodes/subjectcode/05007000
Wikidata_id:
Q3918
Wikidata_label:
university
Source:
IPTC Subject
Topic:
Health > Medical Research
Score:
53
Magnitude:
0.204
Code:
7005000
Url:
https://cv.iptc.org/newscodes/subjectcode/07005000
Wikidata_id:
Q2752427
Wikidata_label:
medical research
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
7.3
Flesch-Kincaid Ease
62.6
Gunning-Fog Score
9.8
Coleman-Liau Index
11
SMOG Index
11.3
Automated Readability Index
5.6
Dale-Chall Readability Score
5.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
39
Sprache Difficult Word Count
43
Joe Biden
This is a global economy. In a world where America's competitive advantage gap is closing fast, we should be ensuring guaranteeing that every student can pursue higher education. The importance of a college degree has never been greater, but over the next decade 2 million students will forgo college because of cost. The price tag of a degree at a four year public college has risen 35 percent in the last 5 years, the largest increase in tuition and fees in any 5-year period in the last 30 years. We can not approach college as if it is a luxury, rather than a necessity. And we should be worried about the rising costs that are putting college out of reach for more and more Americans. We aren't giving students and their families enough financial support to obtain their educational goals, it is that simple.
Sentiment
Loughran McDonald (Relative)
0.33333
Somewhat Positive
Loughran McDonald (Absolute)
0.33333
Somewhat Positive
Loughran McDonald (Logit)
0.51083
Harvard-IV (Relative)
0.41176
Positive
Harvard-IV (Absolute)
0.41176
Positive
Harvard-IV (Logit)
0.82098
VADER
0.732
Very Positive
Topics
Topic:
Education > Teaching and Learning > Students
Score:
100
Magnitude:
0.405
Code:
5010001
Url:
https://cv.iptc.org/newscodes/subjectcode/05010001
Wikidata_id:
Q48282
Wikidata_label:
student
Source:
IPTC Subject
Topic:
Education > University
Score:
67
Magnitude:
0.272
Code:
5007000
Url:
https://cv.iptc.org/newscodes/subjectcode/05007000
Wikidata_id:
Q3918
Wikidata_label:
university
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Macro Economics
Score:
60
Magnitude:
0.243
Code:
4008000
Url:
https://cv.iptc.org/newscodes/subjectcode/04008000
Wikidata_id:
Q39680
Wikidata_label:
macroeconomics
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
10.6
Flesch-Kincaid Ease
55.7
Gunning-Fog Score
12.4
Coleman-Liau Index
10.5
SMOG Index
12
Automated Readability Index
10
Dale-Chall Readability Score
5.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
37
Sprache Difficult Word Count
47
Joe Biden
We need to act, and we need to act now, and that is why I am introducing the College ACCESS Act. This legislation addresses some of the disparities in our current system with innovative new ways to help Americans pay for college.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.58779
VADER
0.637
Very Positive
Topics
Topic:
Crime, Law and Justice > Laws
Score:
100
Magnitude:
0.08
Code:
2006000
Url:
https://cv.iptc.org/newscodes/subjectcode/02006000
Wikidata_id:
Q7748
Wikidata_label:
law
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
10.3
Flesch-Kincaid Ease
58.6
Gunning-Fog Score
12.2
Coleman-Liau Index
10
SMOG Index
12
Automated Readability Index
9.7
Dale-Chall Readability Score
4
Sprache Readability Score
4
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
10
Joe Biden
First, my College ACCESS Plan fully covers the average cost of tuition and fees at a 2-year public college and covers more than half of the average cost of tuition and fees at a public 4-year college.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
-0.33333
Somewhat Negative
Harvard-IV (Absolute)
-0.33333
Somewhat Negative
Harvard-IV (Logit)
-0.51083
VADER
0
Neutral
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
54.5
Gunning-Fog Score
17.7
Coleman-Liau Index
8.1
SMOG Index
11.3
Automated Readability Index
12
Dale-Chall Readability Score
4.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
7
Sprache Difficult Word Count
8
Joe Biden
Right now, students and their families can take advantage of either the Hope Credit or the tuition and fees deduction, obtaining a maximum benefit of $1,120 or $1,650, respectively. Although these incentives help to make college more affordable, they fall far short of providing the level of relief needed to ensure that all students can afford college.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.60944
Harvard-IV (Relative)
0.83333
Very Positive
Harvard-IV (Absolute)
0.83333
Very Positive
Harvard-IV (Logit)
2.03688
VADER
0.967
Very Positive
Topics
Topic:
Education > Teaching and Learning > Students
Score:
100
Magnitude:
0.216
Code:
5010001
Url:
https://cv.iptc.org/newscodes/subjectcode/05010001
Wikidata_id:
Q48282
Wikidata_label:
student
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
47.8
Gunning-Fog Score
18.6
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
21
Joe Biden
By replacing the Hope Credit and the tuition and fees deduction with a single $3,000 credit, the equivalent of a $12,000 deduction, and making it refundable, middle class and low income families will get real help with college costs. My College ACCESS tax credit simplifies this process and is indexed annually for inflation. So, when the cost of college goes up, the amount of assistance goes up as well.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.23077
Slightly Positive
Harvard-IV (Absolute)
0.23077
Slightly Positive
Harvard-IV (Logit)
0.43532
VADER
0.908
Very Positive
Topics
Topic:
Economy, Business and Finance > Macro Economics > Credit and Debit
Score:
100
Magnitude:
0.092
Code:
4008020
Url:
https://cv.iptc.org/newscodes/subjectcode/04008020
Wikidata_id:
Q3196867
Wikidata_label:
debt
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Macro Economics > Inflation and Deflation
Score:
65
Magnitude:
0.06
Code:
4008016
Url:
https://cv.iptc.org/newscodes/subjectcode/04008016
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
11.4
Flesch-Kincaid Ease
55.3
Gunning-Fog Score
15.7
Coleman-Liau Index
10.4
SMOG Index
12
Automated Readability Index
11.4
Dale-Chall Readability Score
5.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
18
Sprache Difficult Word Count
23
Joe Biden
Second, my College ACCESS proposal increases Pell Grants. When this program was established, it covered most of the cost of tuition at a 4- year public college. This is no longer the case. Currently, the maximum annual Pell Grant award is $4,310, and the average annual cost of tuition and fees at a 4-year public college is $5,800. Students are seeing their tuition costs rise every year while the levels of Federal funding fail to keep up. This reality is one that more and more students are facing every day, a reality that says, you can go to college, but only if you can afford it, and you won't get much help from us.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
-0.11111
Leans Negative
Harvard-IV (Absolute)
-0.11111
Leans Negative
Harvard-IV (Logit)
-0.20067
VADER
-0.038
Neutral
Topics
Topic:
Education > Teaching and Learning > Students
Score:
100
Magnitude:
0.177
Code:
5010001
Url:
https://cv.iptc.org/newscodes/subjectcode/05010001
Wikidata_id:
Q48282
Wikidata_label:
student
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
8.6
Flesch-Kincaid Ease
68.5
Gunning-Fog Score
12.2
Coleman-Liau Index
8.3
SMOG Index
12
Automated Readability Index
7.6
Dale-Chall Readability Score
4.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
29
Sprache Difficult Word Count
29
Joe Biden
My College ACCESS Act seeks to remedy this by raising the maximum Pell Grant award to $5,100 for 2007-2008, followed by increases of $300 per year for the next 5 years, for a maximum Pell Grant in 2011-2012 of $6,300.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.8473
VADER
0.818
Very Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
69.9
Gunning-Fog Score
19
Coleman-Liau Index
2.9
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
13
Sprache Difficult Word Count
12
Joe Biden
Finally, the College ACCESS Plan would provide funding for a demonstration program in four states that would commit a maximum Federal Pell Grant award to eligible 8 grade students so they know they're going to get this assistance when they graduate. By using the same eligibility criteria as the National School Lunch Program, students would be identified based on need, and then provided with information on the Pell Grant program, the costs of college, and what Federal and State financial assistance is available to them.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0.6
Very Positive
Harvard-IV (Absolute)
0.6
Very Positive
Harvard-IV (Logit)
1.27297
VADER
0.878
Very Positive
Topics
Topic:
Education > Teaching and Learning > Students
Score:
100
Magnitude:
0.24
Code:
5010001
Url:
https://cv.iptc.org/newscodes/subjectcode/05010001
Wikidata_id:
Q48282
Wikidata_label:
student
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
23.4
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
32
Sprache Difficult Word Count
32
Joe Biden
Right now, students don't find out if they are eligible for Federal aid until their senior year, much less how much they will receive. If you've ever put kids through college, like I have, you know that this time frame doesn't allow much leeway for planning ahead. An earlier promise of Federal aid will begin the conversation about college early and continue it through high school. That way, students and their families can visualize college in their future, and this goal can sustain them through the moment they open that acceptance letter.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
3.13549
VADER
0.761
Very Positive
Topics
Topic:
Education > Teaching and Learning > Students
Score:
100
Magnitude:
0.219
Code:
5010001
Url:
https://cv.iptc.org/newscodes/subjectcode/05010001
Wikidata_id:
Q48282
Wikidata_label:
student
Source:
IPTC Subject
Topic:
Education > School
Score:
50
Magnitude:
0.11
Code:
5005000
Url:
https://cv.iptc.org/newscodes/subjectcode/05005000
Wikidata_id:
Q3914
Wikidata_label:
school
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
10.8
Flesch-Kincaid Ease
58.4
Gunning-Fog Score
12.7
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
4.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
23
Joe Biden
My mother has an expression that I think rings true in the larger scope of America: "Children tend to become that which you expect of them." I want a country where we expect much from America's children. Our future, and our economic security, depend on it.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0.671
Very Positive
Topics
Topic:
Social Issue > Family
Score:
100
Magnitude:
0.332
Code:
14006000
Url:
https://cv.iptc.org/newscodes/subjectcode/14006000
Wikidata_id:
Q8436
Wikidata_label:
family
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
8.6
Flesch-Kincaid Ease
60.7
Gunning-Fog Score
8.7
Coleman-Liau Index
10
SMOG Index
10.6
Automated Readability Index
6.9
Dale-Chall Readability Score
3.8
Sprache Readability Score
3.4
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
11
Joe Biden
I ask unanimous consent that a summary of this bill be included in the Record.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.226
Slightly Positive
Topics
Topic:
Human Interest > Award and Prize > Record
Score:
100
Magnitude:
0.066
Code:
8006001
Url:
https://cv.iptc.org/newscodes/subjectcode/08006001
Wikidata_id:
Q1241356
Wikidata_label:
record
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
9.1
Flesch-Kincaid Ease
56.3
Gunning-Fog Score
14
Coleman-Liau Index
8.9
SMOG Index
12
Automated Readability Index
5.9
Dale-Chall Readability Score
5
Sprache Readability Score
3
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
6
Mike Enzi
Mr. President, I rise to speak about the Student Information Means a Positive Loan Experience Act, the SIMPLE Act, which I, along with Senators Alexander, Allard, Burr and Isakson, am introducing today. With the increasing debt level of many students, it is important to make sure borrowers have good options for managing their debt and good information on the available options so they make wise, informed decisions.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
2.19722
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
3.21888
VADER
0.898
Very Positive
Topics
Topic:
Education > Teaching and Learning > Students
Score:
100
Magnitude:
0.231
Code:
5010001
Url:
https://cv.iptc.org/newscodes/subjectcode/05010001
Wikidata_id:
Q48282
Wikidata_label:
student
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
39
Gunning-Fog Score
14.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
24
Sprache Difficult Word Count
24
Mike Enzi
We are calling this the SIMPLE Act for a reason. We have heard testimony from experts and comments from borrowers and other stakeholders about the information borrowers receive currently. On the one hand, borrowers receive so much information that they have "information overload," which leads to confusion. On the other hand, many borrowers do not receive good information about the full range of tools available to help them repay their loans. What has come through loud and clear is that we need to simplify the information and spell out the impact of selecting various options. Borrowers need better, clearer information to help them make better decisions, not more repayment plans and confusing choices.
Sentiment
Loughran McDonald (Relative)
0.5
Positive
Loughran McDonald (Absolute)
0.5
Positive
Loughran McDonald (Logit)
0.99853
Harvard-IV (Relative)
0.68
Very Positive
Harvard-IV (Absolute)
0.68
Very Positive
Harvard-IV (Logit)
1.56398
VADER
0.919
Very Positive
Readability
Flesch-Kincaid Grade
11.5
Flesch-Kincaid Ease
46.2
Gunning-Fog Score
16
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
29
Sprache Difficult Word Count
30
Mike Enzi
There are already four repayment plans in the Federal Family Education Loan program and four in Direct Loans. From the data we have obtained, it is clear that the vast majority of borrowers with Stafford loans have a standard repayment plan. Many borrowers are not taking advantage of the graduated, extended or income sensitive/income contingent repayment plans currently available.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.94444
VADER
0.32
Somewhat Positive
Topics
Topic:
Economy, Business and Finance > Macro Economics > Loans
Score:
100
Magnitude:
0.174
Code:
4008021
Url:
https://cv.iptc.org/newscodes/subjectcode/04008021
Wikidata_id:
Q189539
Wikidata_label:
loan
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
34.3
Gunning-Fog Score
17.3
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
21
Sprache Difficult Word Count
23
Mike Enzi
Rather than adding another repayment plan, this bill makes the existing repayment plans more flexible, by providing borrowers with the option to pay only the interest on their loans for the first 2 years they are in repayment, regardless of their repayment plan. The bill also expands access to the extended repayment plan to borrowers with $20,000 of student loan debt, instead of the $30,000 currently needed to qualify for extended repayment plans.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.6
Very Positive
Harvard-IV (Absolute)
0.6
Very Positive
Harvard-IV (Logit)
1.22378
VADER
0.395
Somewhat Positive
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.083
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Macro Economics > Loans
Score:
100
Magnitude:
0.083
Code:
4008021
Url:
https://cv.iptc.org/newscodes/subjectcode/04008021
Wikidata_id:
Q189539
Wikidata_label:
loan
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
37.9
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
24
Sprache Difficult Word Count
20
Mike Enzi
The bill also revises the definition of economic hardship, raising the eligibility cut-off point to 150 percent of the poverty line and taking family size into account when making the determination of eligibility.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
-0.11111
Leans Negative
Harvard-IV (Absolute)
-0.11111
Leans Negative
Harvard-IV (Logit)
-0.20067
VADER
-0.44
Negative
Topics
Topic:
Social Issue > Family
Score:
100
Magnitude:
0.115
Code:
14006000
Url:
https://cv.iptc.org/newscodes/subjectcode/14006000
Wikidata_id:
Q8436
Wikidata_label:
family
Source:
IPTC Subject
Topic:
Social Issue > Poverty
Score:
92
Magnitude:
0.106
Code:
14012000
Url:
https://cv.iptc.org/newscodes/subjectcode/14012000
Wikidata_id:
Q10294
Wikidata_label:
poverty
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Economy (General)
Score:
87
Magnitude:
0.1
Code:
4017000
Url:
https://cv.iptc.org/newscodes/subjectcode/04017000
Wikidata_id:
Q159810
Wikidata_label:
economy
Source:
IPTC Subject
Topic:
Politics
Score:
54
Magnitude:
0.062
Code:
11000000
Url:
https://cv.iptc.org/newscodes/subjectcode/11000000
Wikidata_id:
Q7163
Wikidata_label:
politics
Source:
IPTC Subject
Topic:
Social Issue
Score:
51
Magnitude:
0.059
Code:
14000000
Url:
https://cv.iptc.org/newscodes/subjectcode/14000000
Wikidata_id:
Q8425
Wikidata_label:
society
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
5.6
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
13
Mike Enzi
To make sure borrowers understand the availability of the various options, and the impact different repayment plans would have on their payments, the bill expands and clarifies the information to be provided to borrowers during their exit interview. Information on repayment plans available will include a discussion of the different features of each plan, average anticipated monthly payment amounts, and the ability of the borrower to prepay their loans or to change repayment plans.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.60944
Harvard-IV (Relative)
0.57143
Very Positive
Harvard-IV (Absolute)
0.57143
Very Positive
Harvard-IV (Logit)
1.18958
VADER
0.71
Very Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
10.4
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
25
Sprache Difficult Word Count
26
Mike Enzi
The bill requires borrowers to be provided with clear information on the availability of deferment and forbearance. These are two excellent debt management tools, but borrowers must understand the potential impact on their loan principal and total interest paid on their loans when they choose these options.
Sentiment
Loughran McDonald (Relative)
0.33333
Somewhat Positive
Loughran McDonald (Absolute)
0.33333
Somewhat Positive
Loughran McDonald (Logit)
0.51083
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
3.13549
VADER
0.751
Very Positive
Topics
Topic:
Economy, Business and Finance > Macro Economics > Interest Rate
Score:
100
Magnitude:
0.071
Code:
4008009
Url:
https://cv.iptc.org/newscodes/subjectcode/04008009
Wikidata_id:
Q179179
Wikidata_label:
interest rate
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Macro Economics > Loans
Score:
75
Magnitude:
0.053
Code:
4008021
Url:
https://cv.iptc.org/newscodes/subjectcode/04008021
Wikidata_id:
Q189539
Wikidata_label:
loan
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
35.4
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
6.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
22
Mike Enzi
During exit counseling, borrowers must also be provided with information on the effect of consolidating student loans on the borrower's underlying loan benefits, including grace periods, loan forgiveness and cancellation. Borrowers must be informed that different lenders offering consolidation loans may offer different borrower benefits.
Sentiment
Loughran McDonald (Relative)
0.66667
Very Positive
Loughran McDonald (Absolute)
0.66667
Very Positive
Loughran McDonald (Logit)
1.29928
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
1.02165
VADER
0.844
Very Positive
Topics
Topic:
Economy, Business and Finance > Macro Economics > Loans
Score:
100
Magnitude:
0.068
Code:
4008021
Url:
https://cv.iptc.org/newscodes/subjectcode/04008021
Wikidata_id:
Q189539
Wikidata_label:
loan
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
1.6
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.8
Sprache Readability Score
5
Dale-Chall Difficult Word Score
22
Sprache Difficult Word Count
21
Mike Enzi
Last, but not least, borrowers must be given notice that information on their student loans is housed in the National Student Loan Database and they must be told how to access their information. It will help them keep track of the status of their loans and the outstanding principal.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.60944
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.56495
VADER
0.877
Very Positive
Topics
Topic:
Economy, Business and Finance > Macro Economics > Loans
Score:
100
Magnitude:
0.162
Code:
4008021
Url:
https://cv.iptc.org/newscodes/subjectcode/04008021
Wikidata_id:
Q189539
Wikidata_label:
loan
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
11.3
Flesch-Kincaid Ease
57.7
Gunning-Fog Score
13.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.1
Sprache Readability Score
4.6
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
12
Mike Enzi
All of this is designed to help borrowers ask questions first, then make decisions that are right for them. The concept is simple, and requires a few, but essential changes to the Higher Education Act to put them into effect.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.71429
Very Positive
Harvard-IV (Absolute)
0.71429
Very Positive
Harvard-IV (Logit)
1.46634
VADER
0.214
Slightly Positive
Topics
Topic:
Education
Score:
100
Magnitude:
0.106
Code:
5000000
Url:
https://cv.iptc.org/newscodes/subjectcode/05000000
Wikidata_id:
Q8434
Wikidata_label:
education
Source:
IPTC Subject
Topic:
Crime, Law and Justice > Justice and Rights
Score:
72
Magnitude:
0.076
Code:
2007000
Url:
https://cv.iptc.org/newscodes/subjectcode/02007000
Wikidata_id:
Q5167661
Wikidata_label:
justice
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
9.6
Flesch-Kincaid Ease
61.8
Gunning-Fog Score
12
Coleman-Liau Index
10.8
SMOG Index
12
Automated Readability Index
9.9
Dale-Chall Readability Score
4.5
Sprache Readability Score
4
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
11
Mike Enzi
Mr. President, I ask unanimous consent that the text of the bill be printed in the Record.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.226
Slightly Positive
Topics
Topic:
Human Interest > Award and Prize > Record
Score:
100
Magnitude:
0.051
Code:
8006001
Url:
https://cv.iptc.org/newscodes/subjectcode/08006001
Wikidata_id:
Q1241356
Wikidata_label:
record
Source:
IPTC Subject
Topic:
Social Issue > People
Score:
100
Magnitude:
0.051
Code:
14024000
Url:
https://cv.iptc.org/newscodes/subjectcode/14024000
Wikidata_id:
Q1156970
Wikidata_label:
humanity
Source:
IPTC Subject
Topic:
Human Interest > People > Celebrity
Score:
98
Magnitude:
0.051
Code:
8003002
Url:
https://cv.iptc.org/newscodes/subjectcode/08003002
Wikidata_id:
Q211236
Wikidata_label:
celebrity
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
4.4
Flesch-Kincaid Ease
78.8
Gunning-Fog Score
5.8
Coleman-Liau Index
8.8
SMOG Index
7.3
Automated Readability Index
2.5
Dale-Chall Readability Score
6
Sprache Readability Score
2.3
Dale-Chall Difficult Word Score
6
Sprache Difficult Word Count
8
Mike Enzi
Mr. President, I rise to speak about the Student Financial Aid Data Privacy Protection Act, which I, along with Senators Alexander, Allard, Burr, Isakson and Roberts, am introducing today. In a climate where our personal financial information is at risk, it is now more important than ever to ensure that the Department of Education is providing appropriate safeguards around one of the world's largest databases, National Student Loan Data System.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
3.04452
VADER
0.608
Very Positive
Topics
Topic:
Politics > Interior Policy > Personal Data Collection
Score:
100
Magnitude:
0.708
Code:
11016006
Url:
https://cv.iptc.org/newscodes/subjectcode/11016006
Wikidata_id:
Q1999831
Wikidata_label:
privacy policy
Source:
IPTC Subject
Topic:
Politics > Interior Policy > Data Protection
Score:
50
Magnitude:
0.358
Code:
11016001
Url:
https://cv.iptc.org/newscodes/subjectcode/11016001
Wikidata_id:
Q23647168
Wikidata_label:
data protection
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
28.5
Gunning-Fog Score
14.5
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
32
Sprache Difficult Word Count
32
Mike Enzi
The Department of Education has not inspired confidence in its ability to protect its data systems from those bad actors who would misuse the financial information of students and parents. Indeed in 2006 the House Committee on Oversight and Government Reform gave the Department of Education a failing grade for its efforts to improve the security of its data systems in compliance with the Federal Information Security Management Act.
Sentiment
Loughran McDonald (Relative)
0.25
Slightly Positive
Loughran McDonald (Absolute)
0.25
Slightly Positive
Loughran McDonald (Logit)
0.45199
Harvard-IV (Relative)
0.52941
Very Positive
Harvard-IV (Absolute)
0.52941
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.357
Somewhat Positive
Topics
Topic:
Politics > Politics (General) > Political Systems
Score:
100
Magnitude:
0.429
Code:
11024001
Url:
https://cv.iptc.org/newscodes/subjectcode/11024001
Wikidata_id:
Q28108
Wikidata_label:
political system
Source:
IPTC Subject
Topic:
Politics > Interior Policy > Personal Data Collection
Score:
79
Magnitude:
0.337
Code:
11016006
Url:
https://cv.iptc.org/newscodes/subjectcode/11016006
Wikidata_id:
Q1999831
Wikidata_label:
privacy policy
Source:
IPTC Subject
Topic:
Education
Score:
70
Magnitude:
0.299
Code:
5000000
Url:
https://cv.iptc.org/newscodes/subjectcode/05000000
Wikidata_id:
Q8434
Wikidata_label:
education
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
19.8
Gunning-Fog Score
17.3
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
27
Sprache Difficult Word Count
24
Mike Enzi
More recently, on April 17 of this year the Department of Education suspended the access of lenders, services and guaranty agencies to the National Student Loan Data System. While I am pleased to see that the Department of Education is monitoring this database, it is clear from the information provided by the Department of Education that this unprecedented restriction of access was done without having in place clear standard operating procedures for limiting and restoring access to the database.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.55556
Very Positive
Harvard-IV (Absolute)
0.55556
Very Positive
Harvard-IV (Logit)
1.17007
VADER
0.735
Very Positive
Topics
Topic:
Education
Score:
100
Magnitude:
0.188
Code:
5000000
Url:
https://cv.iptc.org/newscodes/subjectcode/05000000
Wikidata_id:
Q8434
Wikidata_label:
education
Source:
IPTC Subject
Topic:
Politics > Interior Policy > Personal Data Collection
Score:
54
Magnitude:
0.101
Code:
11016006
Url:
https://cv.iptc.org/newscodes/subjectcode/11016006
Wikidata_id:
Q1999831
Wikidata_label:
privacy policy
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
12.5
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.4
Sprache Readability Score
5
Dale-Chall Difficult Word Score
32
Sprache Difficult Word Count
29
Mike Enzi
The National Student Loan Data System is a vital tool for lenders, universities and students. It is a system that is absolutely essential to the efficient functioning of our country's higher education loan and grant programs. When the operation of this system suffers, students suffer.
Sentiment
Loughran McDonald (Relative)
-0.33333
Somewhat Negative
Loughran McDonald (Absolute)
-0.33333
Somewhat Negative
Loughran McDonald (Logit)
-0.51083
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.58779
VADER
0.459
Positive
Topics
Topic:
Education > Teaching and Learning > Students
Score:
100
Magnitude:
0.616
Code:
5010001
Url:
https://cv.iptc.org/newscodes/subjectcode/05010001
Wikidata_id:
Q48282
Wikidata_label:
student
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
11.5
Flesch-Kincaid Ease
39.3
Gunning-Fog Score
12.2
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.7
Dale-Chall Readability Score
8.1
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
21
Sprache Difficult Word Count
20
Mike Enzi
Students and parents depend on this system to consolidate their loans. Lenders and guaranty agencies depend on this system to verify whether students should be entering their repayment period. And our institutions of higher education depend on this system to determine whether students are exceeding caps on how much they should be borrowing to attend college.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.94591
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.70805
VADER
0
Neutral
Topics
Topic:
Education > Teaching and Learning > Students
Score:
100
Magnitude:
0.232
Code:
5010001
Url:
https://cv.iptc.org/newscodes/subjectcode/05010001
Wikidata_id:
Q48282
Wikidata_label:
student
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
38.3
Gunning-Fog Score
16
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.1
Sprache Readability Score
4.6
Dale-Chall Difficult Word Score
22
Sprache Difficult Word Count
21
Mike Enzi
This bill sets out operating principles for the National Student Loan Data System, to ensure that the Department of Education continues to manage this database in manner that advances the best interests of students. The bill requires the Department of Education establish protocols for limiting access to the database when there are suspicions that the system is being used inappropriately, and the steps to be taken in order to restore access.
Sentiment
Loughran McDonald (Relative)
-0.5
Very Negative
Loughran McDonald (Absolute)
-0.5
Very Negative
Loughran McDonald (Logit)
-0.8473
Harvard-IV (Relative)
0.76471
Very Positive
Harvard-IV (Absolute)
0.76471
Very Positive
Harvard-IV (Logit)
1.82455
VADER
0.818
Very Positive
Topics
Topic:
Education
Score:
100
Magnitude:
0.141
Code:
5000000
Url:
https://cv.iptc.org/newscodes/subjectcode/05000000
Wikidata_id:
Q8434
Wikidata_label:
education
Source:
IPTC Subject
Topic:
Education > Teaching and Learning > Students
Score:
68
Magnitude:
0.097
Code:
5010001
Url:
https://cv.iptc.org/newscodes/subjectcode/05010001
Wikidata_id:
Q48282
Wikidata_label:
student
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
19.5
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.2
Sprache Readability Score
5
Dale-Chall Difficult Word Score
29
Sprache Difficult Word Count
28
Mike Enzi
This bill also requires the Department of Education, lenders and guaranty agencies to assist students and parents in better understanding how their sensitive, financial information is entered into the National Student Loan Data System and then accessed by thousands of lenders, consolidators and guaranty agencies across the country.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.60944
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.83321
VADER
0.44
Positive
Topics
Topic:
Education > Teaching and Learning > Students
Score:
100
Magnitude:
0.259
Code:
5010001
Url:
https://cv.iptc.org/newscodes/subjectcode/05010001
Wikidata_id:
Q48282
Wikidata_label:
student
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Economy (General)
Score:
55
Magnitude:
0.143
Code:
4017000
Url:
https://cv.iptc.org/newscodes/subjectcode/04017000
Wikidata_id:
Q159810
Wikidata_label:
economy
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
0
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
9.9
Sprache Readability Score
5
Dale-Chall Difficult Word Score
23
Sprache Difficult Word Count
22
Mike Enzi
Finally, the bill prohibits nongovernmental researchers and policy analysts from accessing sensitive borrower-specific information, and directs the Secretary of Education to explore ways to empower students and parents to control which lenders are accessing their sensitive, financial information.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.94591
Harvard-IV (Relative)
0.77778
Very Positive
Harvard-IV (Absolute)
0.77778
Very Positive
Harvard-IV (Logit)
1.7346
VADER
0
Neutral
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
0
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
10
Sprache Readability Score
5
Dale-Chall Difficult Word Score
21
Sprache Difficult Word Count
21
Mike Enzi
We must help the 14.3 million students and their families who trust the Department of Education to protect their personal financial information. Action is needed to restore confidence in the ability of the Department of Education to manage the National Student Loan Data System. I want to thank Senators Alexander, Allard, Burr, Isakson and Roberts for joining me in this effort, and look forward to this bill being included in our efforts to reauthorize the Higher Education Act.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.60944
Harvard-IV (Relative)
0.86667
Very Positive
Harvard-IV (Absolute)
0.86667
Very Positive
Harvard-IV (Logit)
2.26868
VADER
0.953
Very Positive
Topics
Topic:
Education
Score:
100
Magnitude:
0.41
Code:
5000000
Url:
https://cv.iptc.org/newscodes/subjectcode/05000000
Wikidata_id:
Q8434
Wikidata_label:
education
Source:
IPTC Subject
Topic:
Politics > Interior Policy > Personal Data Collection
Score:
96
Magnitude:
0.394
Code:
11016006
Url:
https://cv.iptc.org/newscodes/subjectcode/11016006
Wikidata_id:
Q1999831
Wikidata_label:
privacy policy
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Economy (General)
Score:
71
Magnitude:
0.289
Code:
4017000
Url:
https://cv.iptc.org/newscodes/subjectcode/04017000
Wikidata_id:
Q159810
Wikidata_label:
economy
Source:
IPTC Subject
Topic:
Education > Teaching and Learning > Students
Score:
58
Magnitude:
0.236
Code:
5010001
Url:
https://cv.iptc.org/newscodes/subjectcode/05010001
Wikidata_id:
Q48282
Wikidata_label:
student
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
32.9
Gunning-Fog Score
15
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
31
Sprache Difficult Word Count
32
Mike Enzi
I ask unanimous consent that the text of the bill be printed in the Record.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.226
Slightly Positive
Readability
Flesch-Kincaid Grade
6.8
Flesch-Kincaid Ease
73.2
Gunning-Fog Score
8.7
Coleman-Liau Index
7.7
SMOG Index
9
Automated Readability Index
4.9
Dale-Chall Readability Score
5
Sprache Readability Score
3
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
6
Chuck Grassley
Mr. President, I would like to introduce an important piece of legislation aimed at closing a loophole in our securities laws. This bill, The Hedge Fund Registration Act, is pretty simple. It's only two pages long. All it does is clarify that the Securities and Exchange Commission has the authority to require hedge funds to register, so the government knows who they are and what they're doing.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.8
Very Positive
Harvard-IV (Absolute)
0.8
Very Positive
Harvard-IV (Logit)
1.84583
VADER
0.881
Very Positive
Topics
Topic:
Crime, Law and Justice > Laws
Score:
100
Magnitude:
0.093
Code:
2006000
Url:
https://cv.iptc.org/newscodes/subjectcode/02006000
Wikidata_id:
Q7748
Wikidata_label:
law
Source:
IPTC Subject
Topic:
Crime, Law and Justice > Judiciary (System of Justice)
Score:
99
Magnitude:
0.093
Code:
2002000
Url:
https://cv.iptc.org/newscodes/subjectcode/02002000
Wikidata_id:
Q105985
Wikidata_label:
judiciary
Source:
IPTC Subject
Topic:
Politics > Government
Score:
90
Magnitude:
0.084
Code:
11006000
Url:
https://cv.iptc.org/newscodes/subjectcode/11006000
Wikidata_id:
Q7188
Wikidata_label:
government
Source:
IPTC Subject
Topic:
Crime, Law and Justice > Justice and Rights
Score:
87
Magnitude:
0.081
Code:
2007000
Url:
https://cv.iptc.org/newscodes/subjectcode/02007000
Wikidata_id:
Q5167661
Wikidata_label:
justice
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
8
Flesch-Kincaid Ease
61.9
Gunning-Fog Score
10.1
Coleman-Liau Index
12
SMOG Index
11.7
Automated Readability Index
7.7
Dale-Chall Readability Score
5.4
Sprache Readability Score
4.2
Dale-Chall Difficult Word Score
20
Sprache Difficult Word Count
24
Chuck Grassley
Technically speaking, this bill would amend section 203(b)(3) of the Investment Advisers Act of 1940. It would narrow the current exemption from registration for certain investment advisers. This exemption is used by large, private pooled investment vehicles, commonly referred to as "hedge funds." Hedge funds are operated by advisers who manage billions of dollars for groups of wealthy investors in total secrecy. They should at least have to register with the SEC, like other investment advisors do.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.4
Somewhat Positive
Harvard-IV (Absolute)
0.4
Somewhat Positive
Harvard-IV (Logit)
0.76214
VADER
0.727
Very Positive
Topics
Topic:
Economy, Business and Finance > Macro Economics > Investments
Score:
100
Magnitude:
0.065
Code:
4008025
Url:
https://cv.iptc.org/newscodes/subjectcode/04008025
Wikidata_id:
Q4290
Wikidata_label:
investment
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
10.3
Flesch-Kincaid Ease
49.4
Gunning-Fog Score
14.4
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.6
Dale-Chall Readability Score
7.6
Sprache Readability Score
4.9
Dale-Chall Difficult Word Score
34
Sprache Difficult Word Count
29
Chuck Grassley
Currently, the exemption applies to any investment adviser who had fewer than 15 clients in the preceding year and who does not hold himself out to the public as an investment adviser. The Hedge Fund Registration Act narrows this exemption and closes a loophole in the securities laws these hedge funds use to avoid registering with the SEC and operate in secret.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.36772
VADER
0
Neutral
Topics
Topic:
Crime, Law and Justice > Judiciary (System of Justice)
Score:
100
Magnitude:
0.075
Code:
2002000
Url:
https://cv.iptc.org/newscodes/subjectcode/02002000
Wikidata_id:
Q105985
Wikidata_label:
judiciary
Source:
IPTC Subject
Topic:
Crime, Law and Justice > Justice and Rights
Score:
70
Magnitude:
0.053
Code:
2007000
Url:
https://cv.iptc.org/newscodes/subjectcode/02007000
Wikidata_id:
Q5167661
Wikidata_label:
justice
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
40.3
Gunning-Fog Score
18.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.1
Sprache Readability Score
5
Dale-Chall Difficult Word Score
22
Sprache Difficult Word Count
20
Chuck Grassley
Much has been reported during the last few years regarding hedge funds and the market power they yield because of the large amounts of capital they invest. In fact, some estimates are that these pooled investment vehicles account for nearly 30 percent of the daily trades in U.S. financial markets. The power and influence of that amount of volume is not some passing fad. It represents a new element in our financial markets. Congress needs to ensure that the SEC knows who is controlling these massive pools of money to ensure the integrity and security of the markets.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0.77778
Very Positive
Harvard-IV (Absolute)
0.77778
Very Positive
Harvard-IV (Logit)
1.7346
VADER
0.838
Very Positive
Topics
Topic:
Economy, Business and Finance > Market and Exchange
Score:
100
Magnitude:
0.913
Code:
4009000
Url:
https://cv.iptc.org/newscodes/subjectcode/04009000
Wikidata_id:
Q179076
Wikidata_label:
exchange
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
7.8
Flesch-Kincaid Ease
64.3
Gunning-Fog Score
10.9
Coleman-Liau Index
11.8
SMOG Index
11
Automated Readability Index
7.7
Dale-Chall Readability Score
5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
27
Sprache Difficult Word Count
33
Chuck Grassley
The failure of Amaranth and the increasing interest in hedge funds as investment vehicles for public pension money means that this is not just a high stakes game for the super rich. Hedge funds affect regular investors. They affect the markets as a whole.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.66667
Very Positive
Harvard-IV (Absolute)
0.66667
Very Positive
Harvard-IV (Logit)
1.29928
VADER
0.802
Very Positive
Topics
Topic:
Politics > State Budget and Tax
Score:
100
Magnitude:
0.152
Code:
11013000
Url:
https://cv.iptc.org/newscodes/subjectcode/11013000
Wikidata_id:
Q271855
Wikidata_label:
government budget
Source:
IPTC Subject
Topic:
Labor > Wage and Pension
Score:
70
Magnitude:
0.107
Code:
9011000
Url:
https://cv.iptc.org/newscodes/subjectcode/09011000
Wikidata_id:
Q6821213
Wikidata_label:
wage
Source:
IPTC Subject
Topic:
Labor > Retirement
Score:
53
Magnitude:
0.08
Code:
9006000
Url:
https://cv.iptc.org/newscodes/subjectcode/09006000
Wikidata_id:
Q946865
Wikidata_label:
retirement
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
8.1
Flesch-Kincaid Ease
63.1
Gunning-Fog Score
12.2
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
8.3
Dale-Chall Readability Score
6.8
Sprache Readability Score
3.7
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
15
Chuck Grassley
My recent oversight of the SEC has convinced me that the Commission and the Self-Regulatory Organizations, SROs, need much more information about the activities of hedge funds in order to protect the markets from institutional insider trading and other potential abuses.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.61904
VADER
0.178
Leans Positive
Topics
Topic:
Politics > Regulatory Policy and Organization
Score:
100
Magnitude:
0.366
Code:
11022000
Url:
https://cv.iptc.org/newscodes/subjectcode/11022000
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
5.1
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
8.5
Sprache Readability Score
5
Dale-Chall Difficult Word Score
17
Sprache Difficult Word Count
18
Chuck Grassley
This legislation is one small, simple step toward greater transparency. All it does is require that hedge funds register and tell the regulators who they are. This is not a burden. It is just common sense. Organizations that wield hundreds of billions of dollars in market power every day need to register with the agency that Americans rely on to regulate the financial markets.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.60944
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.8473
VADER
0.469
Positive
Topics
Topic:
Economy, Business and Finance > Market and Exchange
Score:
100
Magnitude:
0.665
Code:
4009000
Url:
https://cv.iptc.org/newscodes/subjectcode/04009000
Wikidata_id:
Q179076
Wikidata_label:
exchange
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Macro Economics > Financial Markets
Score:
87
Magnitude:
0.576
Code:
4008023
Url:
https://cv.iptc.org/newscodes/subjectcode/04008023
Wikidata_id:
Q179076
Wikidata_label:
exchange
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
9.1
Flesch-Kincaid Ease
52.4
Gunning-Fog Score
12
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
7.8
Dale-Chall Readability Score
5.3
Sprache Readability Score
3.9
Dale-Chall Difficult Word Score
19
Sprache Difficult Word Count
21
Chuck Grassley
The SEC has already attempted to do this by regulation. Congress needs to act because of a decision made last year by a Federal appeals court. In 2006, the DC Circuit Court of Appeals overturned an SEC administrative rule that required registration of hedge funds. That decision effectively ended all registration of hedge funds with the SEC, unless and until Congress takes action.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.33647
VADER
0.44
Positive
Topics
Topic:
Crime, Law and Justice > Judiciary (System of Justice)
Score:
100
Magnitude:
0.153
Code:
2002000
Url:
https://cv.iptc.org/newscodes/subjectcode/02002000
Wikidata_id:
Q105985
Wikidata_label:
judiciary
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Company Information > Litigation and Regulation
Score:
70
Magnitude:
0.107
Code:
4016027
Url:
https://cv.iptc.org/newscodes/subjectcode/04016027
Wikidata_id:
Q2920921
Wikidata_label:
management
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
9.3
Flesch-Kincaid Ease
56.6
Gunning-Fog Score
12
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
9.6
Dale-Chall Readability Score
7.5
Sprache Readability Score
4.2
Dale-Chall Difficult Word Score
27
Sprache Difficult Word Count
20
Chuck Grassley
The Hedge Fund Registration Act would respond to that court decision by narrowing the current registration exemption and bring much needed transparency to hedge funds.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
-1
Very Negative
Harvard-IV (Absolute)
-1
Very Negative
Harvard-IV (Logit)
-1.60944
VADER
0
Neutral
Topics
Topic:
Crime, Law and Justice > Judiciary (System of Justice)
Score:
100
Magnitude:
0.077
Code:
2002000
Url:
https://cv.iptc.org/newscodes/subjectcode/02002000
Wikidata_id:
Q105985
Wikidata_label:
judiciary
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
35.9
Gunning-Fog Score
18
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
9.5
Sprache Readability Score
4.6
Dale-Chall Difficult Word Score
13
Sprache Difficult Word Count
11
Chuck Grassley
Most people say the devil is in the details. Well here they are. This bill would authorize the SEC to require all investment advisers, including hedge fund managers, to register with the SEC. Only those that meet all four of the following criteria would be exempt: 1. managed less than $50 million, 2. had fewer than 15 clients, 3. did not hold himself out to the public as an investment advisor, and 4. managed the assets for fewer than 15 investors, regardless of whether investment is direct or through a pooled investment vehicle, such as a hedge fund.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.55556
Very Positive
Harvard-IV (Absolute)
0.55556
Very Positive
Harvard-IV (Logit)
1.09861
VADER
-0.296
Slightly Negative
Topics
Topic:
Economy, Business and Finance > Macro Economics > Investments
Score:
100
Magnitude:
0.064
Code:
4008025
Url:
https://cv.iptc.org/newscodes/subjectcode/04008025
Wikidata_id:
Q4290
Wikidata_label:
investment
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
6
Flesch-Kincaid Ease
73.5
Gunning-Fog Score
11.4
Coleman-Liau Index
10.1
SMOG Index
11.3
Automated Readability Index
5.5
Dale-Chall Readability Score
5.6
Sprache Readability Score
4.6
Dale-Chall Difficult Word Score
31
Sprache Difficult Word Count
30
Chuck Grassley
The Hedge Fund Registration Act is a first step in ensuring that the SEC simply has clear authority to do what it already tried to do. Congress must act to ensure that our laws are kept up to date as new types of investments appear.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.6
Very Positive
Harvard-IV (Absolute)
0.6
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0.765
Very Positive
Topics
Topic:
Crime, Law and Justice > Judiciary (System of Justice)
Score:
100
Magnitude:
0.157
Code:
2002000
Url:
https://cv.iptc.org/newscodes/subjectcode/02002000
Wikidata_id:
Q105985
Wikidata_label:
judiciary
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
9.2
Flesch-Kincaid Ease
69.3
Gunning-Fog Score
12.6
Coleman-Liau Index
8.5
SMOG Index
12
Automated Readability Index
9.3
Dale-Chall Readability Score
5
Sprache Readability Score
4.6
Dale-Chall Difficult Word Score
11
Sprache Difficult Word Count
15
Chuck Grassley
That said, this legislation didn't have many friends the last time I introduced it as an amendment. These funds don't want people to know what they do and have fought hard to keep it that way. Well, I think that is all the more reason to shed some sunlight on them to see what they're up to.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.51083
VADER
-0.319
Somewhat Negative
Readability
Flesch-Kincaid Grade
6.1
Flesch-Kincaid Ease
85.1
Gunning-Fog Score
9.7
Coleman-Liau Index
7.6
SMOG Index
9
Automated Readability Index
6.8
Dale-Chall Readability Score
2.1
Sprache Readability Score
3.7
Dale-Chall Difficult Word Score
4
Sprache Difficult Word Count
9
Chuck Grassley
I urge my colleagues to cosponsor and support this legislation, as we work to protect all investors, large and small.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0.649
Very Positive
Readability
Flesch-Kincaid Grade
11.7
Flesch-Kincaid Ease
46.9
Gunning-Fog Score
16
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.9
Dale-Chall Readability Score
5.7
Sprache Readability Score
3.6
Dale-Chall Difficult Word Score
6
Sprache Difficult Word Count
6
Jim Inhofe
Mr. President, this is an important issue, one I have raised many times over the years. I have testified before the Banking Committee, and introduced numerous bills.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.202
Slightly Positive
Topics
Topic:
Crime, Law and Justice > Prosecution > Witness
Score:
100
Magnitude:
0.078
Code:
2009002
Url:
https://cv.iptc.org/newscodes/subjectcode/02009002
Wikidata_id:
Q196939
Wikidata_label:
witness
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
7.1
Flesch-Kincaid Ease
59.8
Gunning-Fog Score
9.5
Coleman-Liau Index
12
SMOG Index
10.6
Automated Readability Index
6.3
Dale-Chall Readability Score
5.7
Sprache Readability Score
2.6
Dale-Chall Difficult Word Score
9
Sprache Difficult Word Count
10
Jim Inhofe
It is not a new issue. There have been at least four high-profile times in the last 12 years where proposed foreign acquisitions in the U.S. have threatened our security.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
-0.33333
Somewhat Negative
Harvard-IV (Absolute)
-0.33333
Somewhat Negative
Harvard-IV (Logit)
-0.51083
VADER
-0.153
Leans Negative
Topics
Topic:
Social Issue > Demographics > Immigration
Score:
100
Magnitude:
0.082
Code:
14003002
Url:
https://cv.iptc.org/newscodes/subjectcode/14003002
Wikidata_id:
Q131288
Wikidata_label:
immigration
Source:
IPTC Subject
Topic:
Arts, Culture and Entertainment > Mass Media > News Media
Score:
73
Magnitude:
0.06
Code:
1026002
Url:
https://cv.iptc.org/newscodes/subjectcode/01026002
Wikidata_id:
Q1193236
Wikidata_label:
news media
Source:
IPTC Subject
Topic:
Social Issue > People
Score:
66
Magnitude:
0.054
Code:
14024000
Url:
https://cv.iptc.org/newscodes/subjectcode/14024000
Wikidata_id:
Q1156970
Wikidata_label:
humanity
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
3.4
Flesch-Kincaid Ease
85
Gunning-Fog Score
7
Coleman-Liau Index
8.8
SMOG Index
8.2
Automated Readability Index
2.3
Dale-Chall Readability Score
3.9
Sprache Readability Score
2.2
Dale-Chall Difficult Word Score
7
Sprache Difficult Word Count
7
Jim Inhofe
In 1998, President Clinton tried to turn over management of a 144- acre terminal at the former U.S. Naval Station in Long Beach to the Chinese Ocean Shipping Company, COSCO -- a subsidiary of the People's Liberation Army.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.33647
VADER
0
Neutral
Readability
Flesch-Kincaid Grade
8.6
Flesch-Kincaid Ease
55.9
Gunning-Fog Score
8.2
Coleman-Liau Index
10.2
SMOG Index
10.6
Automated Readability Index
5.7
Dale-Chall Readability Score
5.6
Sprache Readability Score
3.5
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
16
Jim Inhofe
I am going to quote from an LA Times article from that time:
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0
Neutral
Topics
Topic:
Economy, Business and Finance > Financial and Business Service > Personal Income
Score:
100
Magnitude:
0.059
Code:
4006019
Url:
https://cv.iptc.org/newscodes/subjectcode/04006019
Wikidata_id:
Q7170591
Wikidata_label:
personal income
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
3.1
Flesch-Kincaid Ease
96
Gunning-Fog Score
8.3
Coleman-Liau Index
5.5
SMOG Index
9
Automated Readability Index
2.1
Dale-Chall Readability Score
4.3
Sprache Readability Score
2.6
Dale-Chall Difficult Word Score
3
Sprache Difficult Word Count
4
Jim Inhofe
That was one battle that we won.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.273
Slightly Positive
Topics
Topic:
Sport > Soccer
Score:
100
Magnitude:
0.086
Code:
15054000
Url:
https://cv.iptc.org/newscodes/subjectcode/15054000
Wikidata_id:
Q2736
Wikidata_label:
association football
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
0.6
Flesch-Kincaid Ease
100
Gunning-Fog Score
2.8
Coleman-Liau Index
5.2
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
0.3
Sprache Readability Score
1.7
Dale-Chall Difficult Word Score
0
Sprache Difficult Word Count
2
Jim Inhofe
Since working in 1995 to prevent Los Angeles ports from being controlled by Chinese interests, I have continued my pressure on the issue. For example, I expressed my concern with the CFIUS process over 2 years ago in the spring of 2005 when I delivered four speeches on China. While examining this issue I came across a disturbing example of China buying the U.S. company, Magnequench Inc., and moving it piecemeal back to mainland China.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.58779
VADER
-0.527
Very Negative
Topics
Topic:
Economy, Business and Finance > Company Information > Merger, Acquisition and Takeover
Score:
100
Magnitude:
0.278
Code:
4016005
Url:
https://cv.iptc.org/newscodes/subjectcode/04016005
Wikidata_id:
Q731112
Wikidata_label:
mergers and acquisitions
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
7.4
Flesch-Kincaid Ease
64.9
Gunning-Fog Score
9.8
Coleman-Liau Index
10.9
SMOG Index
10.6
Automated Readability Index
6.3
Dale-Chall Readability Score
6.2
Sprache Readability Score
4.6
Dale-Chall Difficult Word Score
27
Sprache Difficult Word Count
29
Jim Inhofe
Let me read from the floor speech I gave on April 4, 2005:
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
-1
Very Negative
Harvard-IV (Absolute)
-1
Very Negative
Harvard-IV (Logit)
-1.60944
VADER
0
Neutral
Topics
Topic:
Arts, Culture and Entertainment > Mass Media > Reviews
Score:
100
Magnitude:
0.101
Code:
1026004
Url:
https://cv.iptc.org/newscodes/subjectcode/01026004
Wikidata_id:
Q2018526
Wikidata_label:
arts
Source:
IPTC Subject
Topic:
Disaster and Accident > Industrial Accident > Structural Failures
Score:
84
Magnitude:
0.085
Code:
3006001
Url:
https://cv.iptc.org/newscodes/subjectcode/03006001
Wikidata_id:
Q1309431
Wikidata_label:
structural failure
Source:
IPTC Subject
Topic:
Human Interest
Score:
74
Magnitude:
0.075
Code:
8000000
Url:
https://cv.iptc.org/newscodes/subjectcode/08000000
Wikidata_id:
Q361306
Wikidata_label:
human interest story
Source:
IPTC Subject
Topic:
Social Issue
Score:
67
Magnitude:
0.068
Code:
14000000
Url:
https://cv.iptc.org/newscodes/subjectcode/14000000
Wikidata_id:
Q8425
Wikidata_label:
society
Source:
IPTC Subject
Topic:
Social Issue > People
Score:
54
Magnitude:
0.054
Code:
14024000
Url:
https://cv.iptc.org/newscodes/subjectcode/14024000
Wikidata_id:
Q1156970
Wikidata_label:
humanity
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
0.4
Flesch-Kincaid Ease
100
Gunning-Fog Score
5.2
Coleman-Liau Index
1.8
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
1.9
Sprache Readability Score
2.4
Dale-Chall Difficult Word Score
1
Sprache Difficult Word Count
2
Jim Inhofe
The United States now has no domestic supplier of rare earth metals, which are essential for precision-guided munitions.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0.153
Leans Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
40.6
Gunning-Fog Score
18.1
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.6
Sprache Readability Score
3.8
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
10
Jim Inhofe
That was one we lost.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
-1
Very Negative
Harvard-IV (Absolute)
-1
Very Negative
Harvard-IV (Logit)
-1.09861
VADER
-0.318
Somewhat Negative
Readability
Flesch-Kincaid Grade
0
Flesch-Kincaid Ease
100
Gunning-Fog Score
2
Coleman-Liau Index
3
SMOG Index
3.3
Automated Readability Index
0
Dale-Chall Readability Score
0.2
Sprache Readability Score
1.3
Dale-Chall Difficult Word Score
0
Sprache Difficult Word Count
0
Jim Inhofe
Following this series of four speeches that spring, on July 20, 2005, I introduced Senate amendment No. 1311 as an amendment to the annual National Defense Authorization Act for Fiscal Year 2006. My amendment prompted the very beginning of the legislative pursuit of this issue in recent years. For example, my amendment prompted another, later, second-degree amendment, Senate amendment No. 1335, by Senator Shelby, then the chairman of the Senate Banking Committee.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.19722
VADER
-0.44
Negative
Readability
Flesch-Kincaid Grade
10.3
Flesch-Kincaid Ease
47.2
Gunning-Fog Score
12.4
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
9.3
Dale-Chall Readability Score
7.2
Sprache Readability Score
4.6
Dale-Chall Difficult Word Score
30
Sprache Difficult Word Count
26
Jim Inhofe
I also testified before the U.S.-China Commission on July 21, 2005. The U.S.-China Economic and Security Review Commission is a bipartisan committee created in 2000 to monitor, investigate, and submit to Congress an annual report on the national security implications of the bilateral trade and economic relationship between the United States and the People's Republic of China.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
0.75
Very Positive
Harvard-IV (Absolute)
0.75
Very Positive
Harvard-IV (Logit)
1.60944
VADER
0.823
Very Positive
Readability
Flesch-Kincaid Grade
11.2
Flesch-Kincaid Ease
32.9
Gunning-Fog Score
11.9
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
6.8
Dale-Chall Readability Score
6.5
Sprache Readability Score
3.9
Dale-Chall Difficult Word Score
23
Sprache Difficult Word Count
25
Jim Inhofe
The Commission is composed of 12 members, 3 of whom are selected by each of the majority and minority leaders of the Senate, and the Speaker and the minority leader of the House. The Commissioners serve 2-year terms.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.51083
VADER
0
Neutral
Topics
Topic:
Politics > Parliament
Score:
100
Magnitude:
0.178
Code:
11009000
Url:
https://cv.iptc.org/newscodes/subjectcode/11009000
Wikidata_id:
Q35749
Wikidata_label:
parliament
Source:
IPTC Subject
Topic:
Politics > Parliament > Upper House
Score:
65
Magnitude:
0.116
Code:
11009001
Url:
https://cv.iptc.org/newscodes/subjectcode/11009001
Wikidata_id:
Q637846
Wikidata_label:
upper house
Source:
IPTC Subject
Topic:
Arts, Culture and Entertainment > Language
Score:
61
Magnitude:
0.109
Code:
1008000
Url:
https://cv.iptc.org/newscodes/subjectcode/01008000
Wikidata_id:
Q315
Wikidata_label:
language
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
10.5
Flesch-Kincaid Ease
54.7
Gunning-Fog Score
12.9
Coleman-Liau Index
9.9
SMOG Index
12
Automated Readability Index
8.9
Dale-Chall Readability Score
4.2
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
13
Jim Inhofe
Their recommendations are consistent with the amendment I introduced to the Defense authorization bill that would have made some of the necessary changes to CFIUS.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.94591
VADER
0.128
Leans Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
25.8
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.7
Sprache Readability Score
4.4
Dale-Chall Difficult Word Score
7
Sprache Difficult Word Count
9
Jim Inhofe
On September 28, 2005, the Government Accountability Office issued a report on CFIUS that is right in line with the recommendations of the US-China Commission. So this has not just been me saying that CFIUS is in need of critical change -- it's the U.S.-China Commission and the GAO as well.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.58779
VADER
-0.052
Neutral
Topics
Topic:
Politics > Government
Score:
100
Magnitude:
0.058
Code:
11006000
Url:
https://cv.iptc.org/newscodes/subjectcode/11006000
Wikidata_id:
Q7188
Wikidata_label:
government
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Computing and Information Technology > Software
Score:
87
Magnitude:
0.05
Code:
4003005
Url:
https://cv.iptc.org/newscodes/subjectcode/04003005
Wikidata_id:
Q7397
Wikidata_label:
software
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
7.4
Flesch-Kincaid Ease
65.7
Gunning-Fog Score
6.8
Coleman-Liau Index
9.1
SMOG Index
10.8
Automated Readability Index
5.1
Dale-Chall Readability Score
4.2
Sprache Readability Score
3.3
Dale-Chall Difficult Word Score
12
Sprache Difficult Word Count
13
Jim Inhofe
When my amendment stalled over a committee jurisdictional point, on September 29, 2005, I chose to introduce the changes as a stand-alone bill, the Foreign Investment Security Act of 2005, S. 1797, which was referred to the Banking Committee. That bill was the first bill introduced in recent years on this topic.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.153
Leans Positive
Topics
Topic:
Politics
Score:
100
Magnitude:
0.062
Code:
11000000
Url:
https://cv.iptc.org/newscodes/subjectcode/11000000
Wikidata_id:
Q7163
Wikidata_label:
politics
Source:
IPTC Subject
Topic:
Social Issue > People
Score:
91
Magnitude:
0.056
Code:
14024000
Url:
https://cv.iptc.org/newscodes/subjectcode/14024000
Wikidata_id:
Q1156970
Wikidata_label:
humanity
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
8.9
Flesch-Kincaid Ease
62.8
Gunning-Fog Score
10.8
Coleman-Liau Index
10.6
SMOG Index
12
Automated Readability Index
8.6
Dale-Chall Readability Score
5.3
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
16
Jim Inhofe
Later the Banking Committee held a hearing on the GAO report, and I testified before them on October 20, 2005, at that hearing.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0
Neutral
Topics
Topic:
Crime, Law and Justice > Prosecution > Witness
Score:
100
Magnitude:
0.107
Code:
2009002
Url:
https://cv.iptc.org/newscodes/subjectcode/02009002
Wikidata_id:
Q196939
Wikidata_label:
witness
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
10.3
Flesch-Kincaid Ease
62.1
Gunning-Fog Score
10.9
Coleman-Liau Index
8.5
SMOG Index
12
Automated Readability Index
9.5
Dale-Chall Readability Score
5.3
Sprache Readability Score
4.1
Dale-Chall Difficult Word Score
6
Sprache Difficult Word Count
8
Jim Inhofe
In all of these ways I have just mentioned, the Banking Committee was prompted by me to pursue this topic.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
1.09861
VADER
0
Neutral
Readability
Flesch-Kincaid Grade
8.1
Flesch-Kincaid Ease
72.3
Gunning-Fog Score
8
Coleman-Liau Index
9.2
SMOG Index
9
Automated Readability Index
8.6
Dale-Chall Readability Score
5.7
Sprache Readability Score
3.6
Dale-Chall Difficult Word Score
6
Sprache Difficult Word Count
6
Jim Inhofe
In the past couple of years, several high profile business deals have been approved by CFIUS that would allow foreign-owned companies, in particular companies that are owned or controlled by foreign governments, to acquire other companies doing business in the United States.
Sentiment
Loughran McDonald (Relative)
0
Neutral
Loughran McDonald (Absolute)
0
Neutral
Loughran McDonald (Logit)
0
Harvard-IV (Relative)
0.5
Positive
Harvard-IV (Absolute)
0.5
Positive
Harvard-IV (Logit)
0.95551
VADER
0.758
Very Positive
Topics
Topic:
Economy, Business and Finance > Macro Economics > Business Enterprises
Score:
100
Magnitude:
0.327
Code:
4008034
Url:
https://cv.iptc.org/newscodes/subjectcode/04008034
Wikidata_id:
Q4830453
Wikidata_label:
business
Source:
IPTC Subject
Topic:
Economy, Business and Finance
Score:
93
Magnitude:
0.306
Code:
4000000
Url:
https://cv.iptc.org/newscodes/subjectcode/04000000
Wikidata_id:
Q159810
Wikidata_label:
economy
Source:
IPTC Subject
Topic:
Social Issue > Demographics > Immigration
Score:
63
Magnitude:
0.205
Code:
14003002
Url:
https://cv.iptc.org/newscodes/subjectcode/14003002
Wikidata_id:
Q131288
Wikidata_label:
immigration
Source:
IPTC Subject
Topic:
Economy, Business and Finance > Economy (General)
Score:
59
Magnitude:
0.194
Code:
4017000
Url:
https://cv.iptc.org/newscodes/subjectcode/04017000
Wikidata_id:
Q159810
Wikidata_label:
economy
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
25.5
Gunning-Fog Score
19
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
7.6
Sprache Readability Score
5
Dale-Chall Difficult Word Score
15
Sprache Difficult Word Count
16
Jim Inhofe
More recently I was concerned with China's state-owned CNOOC attempted to buyout Unocal, a US oil company. We won this one because of Congressional pressure, and CNOOC withdrew its bid. Over the past 2 years, I have been pointing out that the CFIUS process has ignored some major issues which threaten our national security.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.94591
Harvard-IV (Relative)
-0.33333
Somewhat Negative
Harvard-IV (Absolute)
-0.33333
Somewhat Negative
Harvard-IV (Logit)
-0.58779
VADER
0
Neutral
Topics
Topic:
Economy, Business and Finance > Energy and Resource
Score:
100
Magnitude:
0.09
Code:
4005000
Url:
https://cv.iptc.org/newscodes/subjectcode/04005000
Wikidata_id:
Q2151621
Wikidata_label:
energy industry
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
9.6
Flesch-Kincaid Ease
59
Gunning-Fog Score
11
Coleman-Liau Index
12
SMOG Index
12
Automated Readability Index
10.2
Dale-Chall Readability Score
6.9
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
21
Sprache Difficult Word Count
24
Jim Inhofe
The most publicized deal was the state owned Dubai Ports World, DPW, purchase of Peninsular and Oriental Steam Navigation, P&O, that would have allowed DPW to take over the operations at various east coast ports in the United States. The public outcry against this deal lead DPW to abandon its plans to operate the U.S. ports and that portion of the takeover was sold to U.S. based companies. However since the DPW- P&O deal was canceled, other transactions have been approved by CFIUS that are just as questionable.
Sentiment
Loughran McDonald (Relative)
-0.5
Very Negative
Loughran McDonald (Absolute)
-0.5
Very Negative
Loughran McDonald (Logit)
-0.8473
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.63599
VADER
-0.422
Negative
Topics
Topic:
Economy, Business and Finance > Company Information > Merger, Acquisition and Takeover
Score:
100
Magnitude:
0.414
Code:
4016005
Url:
https://cv.iptc.org/newscodes/subjectcode/04016005
Wikidata_id:
Q731112
Wikidata_label:
mergers and acquisitions
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
7.6
Flesch-Kincaid Ease
63.1
Gunning-Fog Score
10
Coleman-Liau Index
11.3
SMOG Index
11.6
Automated Readability Index
6.7
Dale-Chall Readability Score
6.1
Sprache Readability Score
4.8
Dale-Chall Difficult Word Score
31
Sprache Difficult Word Count
32
Jim Inhofe
CFIUS has received over 1,600 notifications and investigated under 40. Of those, only one acquisition has been stopped by the President.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
-0.226
Slightly Negative
Readability
Flesch-Kincaid Grade
8
Flesch-Kincaid Ease
57.2
Gunning-Fog Score
9.9
Coleman-Liau Index
12
SMOG Index
10.3
Automated Readability Index
6.8
Dale-Chall Readability Score
4.9
Sprache Readability Score
2.6
Dale-Chall Difficult Word Score
6
Sprache Difficult Word Count
7
Jim Inhofe
This is a critical issue at a critical time. CFIUS seems to only get scrutiny when some major deal is in the papers. I have been paying attention to it all along. It needs reform, and I hope we can make some progress.
Sentiment
Loughran McDonald (Relative)
-0.5
Very Negative
Loughran McDonald (Absolute)
-0.5
Very Negative
Loughran McDonald (Logit)
-0.8473
Harvard-IV (Relative)
0
Neutral
Harvard-IV (Absolute)
0
Neutral
Harvard-IV (Logit)
0
VADER
0.273
Slightly Positive
Topics
Topic:
Arts, Culture and Entertainment > Mass Media > Reviews
Score:
100
Magnitude:
0.109
Code:
1026004
Url:
https://cv.iptc.org/newscodes/subjectcode/01026004
Wikidata_id:
Q2018526
Wikidata_label:
arts
Source:
IPTC Subject
Topic:
Politics
Score:
86
Magnitude:
0.094
Code:
11000000
Url:
https://cv.iptc.org/newscodes/subjectcode/11000000
Wikidata_id:
Q7163
Wikidata_label:
politics
Source:
IPTC Subject
Topic:
Arts, Culture and Entertainment > Culture (General)
Score:
84
Magnitude:
0.092
Code:
1022000
Url:
https://cv.iptc.org/newscodes/subjectcode/01022000
Wikidata_id:
Q11042
Wikidata_label:
culture
Source:
IPTC Subject
Topic:
Social Issue
Score:
79
Magnitude:
0.086
Code:
14000000
Url:
https://cv.iptc.org/newscodes/subjectcode/14000000
Wikidata_id:
Q8425
Wikidata_label:
society
Source:
IPTC Subject
Topic:
Arts, Culture and Entertainment > Mass Media
Score:
73
Magnitude:
0.08
Code:
1026000
Url:
https://cv.iptc.org/newscodes/subjectcode/01026000
Wikidata_id:
Q11033
Wikidata_label:
mass media
Source:
IPTC Subject
Topic:
Social Issue > People
Score:
67
Magnitude:
0.074
Code:
14024000
Url:
https://cv.iptc.org/newscodes/subjectcode/14024000
Wikidata_id:
Q1156970
Wikidata_label:
humanity
Source:
IPTC Subject
Topic:
Human Interest
Score:
52
Magnitude:
0.057
Code:
8000000
Url:
https://cv.iptc.org/newscodes/subjectcode/08000000
Wikidata_id:
Q361306
Wikidata_label:
human interest story
Source:
IPTC Subject
Topic:
Arts, Culture and Entertainment > Mass Media > News Media
Score:
51
Magnitude:
0.055
Code:
1026002
Url:
https://cv.iptc.org/newscodes/subjectcode/01026002
Wikidata_id:
Q1193236
Wikidata_label:
news media
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
5.1
Flesch-Kincaid Ease
77.9
Gunning-Fog Score
8
Coleman-Liau Index
7.5
SMOG Index
9
Automated Readability Index
2.6
Dale-Chall Readability Score
3.5
Sprache Readability Score
2.8
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
10
Jim Inhofe
I am glad that Congress is now taking a closer look at CIFIUS reform. Rest assured that I continue to push for this badly needed reform and as Congress addresses this issue, I will keep your thoughts in mind.
Sentiment
Loughran McDonald (Relative)
1
Very Positive
Loughran McDonald (Absolute)
1
Very Positive
Loughran McDonald (Logit)
1.09861
Harvard-IV (Relative)
0.33333
Somewhat Positive
Harvard-IV (Absolute)
0.33333
Somewhat Positive
Harvard-IV (Logit)
0.61904
VADER
0.671
Very Positive
Topics
Topic:
Politics
Score:
100
Magnitude:
0.062
Code:
11000000
Url:
https://cv.iptc.org/newscodes/subjectcode/11000000
Wikidata_id:
Q7163
Wikidata_label:
politics
Source:
IPTC Subject
Topic:
Social Issue > People
Score:
98
Magnitude:
0.06
Code:
14024000
Url:
https://cv.iptc.org/newscodes/subjectcode/14024000
Wikidata_id:
Q1156970
Wikidata_label:
humanity
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
8.4
Flesch-Kincaid Ease
69.9
Gunning-Fog Score
8.8
Coleman-Liau Index
9.4
SMOG Index
9
Automated Readability Index
8.5
Dale-Chall Readability Score
5
Sprache Readability Score
3.8
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
10
Jim Inhofe
Note too that I will ensure in particular that the national security aspects of this work are appropriately attended to. I will not stand idly by and allow a bill that is weak on national defense to pass.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.60944
Harvard-IV (Relative)
1
Very Positive
Harvard-IV (Absolute)
1
Very Positive
Harvard-IV (Logit)
2.83321
VADER
0.542
Very Positive
Topics
Topic:
Politics > Defense > National Security
Score:
100
Magnitude:
0.132
Code:
11001002
Url:
https://cv.iptc.org/newscodes/subjectcode/11001002
Wikidata_id:
Q258307
Wikidata_label:
national security
Source:
IPTC Subject
Readability
Flesch-Kincaid Grade
10.5
Flesch-Kincaid Ease
54
Gunning-Fog Score
15
Coleman-Liau Index
9.8
SMOG Index
12
Automated Readability Index
8.5
Dale-Chall Readability Score
5.1
Sprache Readability Score
4
Dale-Chall Difficult Word Score
10
Sprache Difficult Word Count
13
Jim Inhofe
Let us all work together to ensure that the legislative process performs appropriately to defend our Nation, and let this bill I am introducing today be a new start.
Sentiment
Loughran McDonald (Relative)
-1
Very Negative
Loughran McDonald (Absolute)
-1
Very Negative
Loughran McDonald (Logit)
-1.09861
Harvard-IV (Relative)
0.2
Leans Positive
Harvard-IV (Absolute)
0.2
Leans Positive
Harvard-IV (Logit)
0.33647
VADER
0.382
Somewhat Positive
Readability
Flesch-Kincaid Grade
12
Flesch-Kincaid Ease
40.3
Gunning-Fog Score
17.1
Coleman-Liau Index
11.6
SMOG Index
12
Automated Readability Index
12
Dale-Chall Readability Score
5.8
Sprache Readability Score
4.9
Dale-Chall Difficult Word Score
8
Sprache Difficult Word Count
9