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The Bank’s lending cap would be reduced from $140 billion to $135 \nbillion, and the minimum share of small business-related activity would \nrise from 20 percent to 25 percent. There would be independent audits of\n the Bank’s portfolio, and the Bank would be required to increases its \nreserves held for losses.

A Risk Management Committee would be established, and a Chief Risk\n Officer position would be created -- both of which would provide \noversight of the Bank’s operations. Also, a Chief Ethics Officer would oversee ethics practices among Bank employees.

The Treasury Secretary and the President would be directed to \nenter into international negotiations to eliminate export credit \nfinancing within 10 years of this bill’s enactment.","official_title":"To reauthorize the Export-Import Bank of the United States, and for other purposes.","short_title":"Export-Import Bank Reform and Reauthorization Act of 2015","popular_title":null,"short_summary":"Export-Import Bank Reform and Reauthorization Act of 2015\n\nTITLE I--TAXPAYER PROTECTION PROVISIONS AND INCREASED ACCOUNTABILITY\n\n(Sec. 101) This bill amends the Export-Import Bank Act of 1945 to set at $135 billion, for each of FY2015-FY2019, the authorized aggregate amount of loans, guarantees, and insurance the Export-Import Bank may have outstanding at any time.\n\nIf the rate at which borrowing entities are in default on a payment obligation (default rate) is 2% or more for a quarter, the Bank may not exceed the amount of loans, guarantees, and insurance outstanding on the last day of that quarter until the default rate becomes less than 2%.\n\n(Sec. 102) The Bank shall build to and hold in reserve, to protect against future losses, at least 5% of its aggregate amount of disbursed and outstanding loans, guarantees, and insurance.\n\n(Sec. 103) This bill amends the Export-Import Bank Reauthorization Act of 2012 (EIBRA) to require the Government Accountability Office's quadrennial review of...","summarized":true,"cost":null,"cost_commentary":"A CBO cost estimate is unavailable.","impact":"Businesses utilizing the Export-Import Bank, the Export-Import Bank, the Department of the Treasury, Congress, and the Secretary of the Treasury.","argument_for":"These reforms will help ensure that the Export-Import Bank is a trustworthy steward of taxpayer dollars, while allowing it to continue helping American businesses sustain jobs and compete in the global economy. 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