Personal Financial Statement - Teachers Federal Credit Union: Fill & Download for Free

It is quite an easy question if not rhetorical, basically i have been opurtuned to deliver speeches across the states addressing college students on the best way to maintain a good credit score and not let student loan and reckless spendings ruin your credit before you graduate, TAKE A LOOKBad credit loans are a relief option for consumers whose low credit scores limit their borrowing options.Put another way: A bad credit loan, which is really just another name for a personal loan,can bail you out of a financial emergency, even if your credit score (something under 650) is a lot lower than you or most banks would like.So if you suddenly need money to buy or repair a car; make payments on a medical bill or consolidate credit card debts, but don’t have a high enough credit score to get a loan from one of the big banks, don’t give up. There is help available.Bad credit loans are treated the same as personal loans. They are money you borrow and pay back in fixed monthly installments. The loan could come from a bank, but if you’re looking for an affordable interest rate and flexible qualifying requirements, the better choices probably would be:Credit unions. A great option. Maximum allowable interest rate is 18%.Family or friends. Easier to qualify and hopefully lower interest rates.Find a co-signer. Use someone else’s high credit score to get a lower interest rate.Tap home equity. Credit score not a factor. If you have equity, you can get a loan.Online or P2P. Huge market of lenders who can be very flexible with terms.You could add more options like payroll advances, loans from retirement accounts or borrowing against life insurance to the list, but those are last-ditch choices best left untouched unless everything else fails. There are better alternatives to consolidate debts from credit card.What Is a Bad Credit Score?Credit scores are an attempt to gauge the likelihood you will repay a loan. They range from 300-850. The higher your number, the more likely you will repay.Bad credit scores start at 650 and go down from there. People in this category are considered a high risk and pay the highest interest rates. They are prime candidates for bad credit loans.The definition of a “good” and “bad” credit score does vary from lender to lender. Some won’t touch anyone with a credit score under 650, some actually market to consumers with a sub-650 score.So it’s hard to say what makes you “good” or “bad” on the credit scoreboard, but the accepted range looks something like this:760-850 – Excellent700-759 – Very good660-699 – Fair620-659 – PoorScores under 620 – Extremely poorHow Bad Credit Scores Affect BorrowingConsumers in the good-to-excellent credit score category receive the lowest interest rates and best loan terms. Consumers in the poor and extremely poor categories are burdened with high rates and may not be approved for a loan at all.Many consumers get that message and that is why the average credit score for U.S. consumers in 2018 is 700, an 11-point jump over the last decade. However, the real numbers worth paying attention to are the combination of score and age, which say a lot about how our economy operates.According to FICO, people ages 60-and-above have an average credit score of 743, while those in the 18-29-year-old bracket average just 652. It’s one of the few places in life where being old pays off.Still, that’s a 91-point difference, which is very costly when you are shopping for home and auto loans as the graphic below demonstrates.How Your Credit Score Effects a 30-year, $200,000 Home LoanScoreInterest RateMonthly PaymentTotal interest paid760-8504.263%$985$154,744700-7594.485%$1,012$164,172660-6994.876%$1,059$181,074620-6595.306%$1,111$200,087619-and lower5.582%$1,146$212,520How Your Credit Score Effects a 6-year, $25,000 Auto LoanScoreInterest RateMonthly PaymentTotal interest paid700-8503.71%$387.83$2,924660-6995.07%$403.44$4,047620-6599.88%$461.63$8,238619-and lower15.29%$532.57$13,345How to Get a Loan with Bad CreditIf this is not an emergency, the first step to get a loan with a bad credit is to improve your credit score so you can comfortably afford the loan you need.Start by making on-time payments, especially on credit cards; and reduce the balance on cards to under 30% of the credit limit allowed. Finally, don’t apply for any new credit.The combination of those three factors – on-time payment; low credit utilization; no new credit applications – account for 75% of your credit score. It’s not unrealistic to think that making an effort on those three fronts could raise your score by 100 points in as little as 3-6 months.If, however, this is an emergency and your application for a loan has been turned down repeatedly due to poor credit or no credit, it might help to ask a bank or credit union loan officer for an in-person interview to convince them you are creditworthy.If you get that interview, be sure you are prepared with documents that prove you’re a good risk. Lending institutions love stability. If you can show them that you’ve lived in the same house (or city) and worked the same job (preferably for the same employer) for several years, it definitely helps your case.Common things to bring that prove your credit worthiness include:Details of your job history, including salary and pay stubsList of assets such as home, car, property and where you stand on paying them offWhether you pay or receive alimony or child supportBank statements for checking, savings and CDsNot all of these documents are required, but if you have a poor credit history, anything you can produce that demonstrates you have become responsible with your money will be considered a plus. You should also expect the lender to ask questions about your credit history that may reflect negatively on you. Things like:Have you been involved in any lawsuits?Do you have any judgments against your or items in collection?Have you declared bankcrupcy or had a foreclosure against you?What is your ethnic background?The last question would seem to violate anti-discrimination laws, but it is required by the government so that it can keep data on lending to minorities and make sure they aren’t routinely turned down or charged excessive fees.The purpose of an in-person interview is to convince the lender that if you receive a loan, you can comfortably make payments. Any evidence you have that can support that fact – especially proof that you paid off loans on assets like a car, motorcycle or boat in the past – are going to work in your favor.Pros and Cons of Bad Credit LoansIt makes sense to use caution when taking on any loan, but if you have bad credit, things aren’t good. Don’t make it worse.Be careful who do you do business with on a bad credit loan. If the lender doesn’t require a credit check, doesn’t check your income; guarantees you’ll be approved; can’t be found for customer reviews or a Better Business Bureau ranking, it might be time to look elsewhere. Those are red-flag warnings that you might get scammed.Closely examine the pros and cons of the situation before making a final decision.The pros for a bad credit loan are obvious:Loans for Bad Credit are Fast: Most loan applications are available online and only take a few hours to get a response. At some places, you can have the money in your account within a day.Lower Interest Rate: If you are able to get a bad credit loan, it likely would come at a lower interest rate than you pay on your credit card debt.Many Lender Options: The number of peer-to-peer lending businesses seems to double every year. If you’re patient, and make lenders compete for your business, you might find a loan with an interest rate that you can afford.Repayment Term Length: Depending on who the lender is, repayment terms could stretch anywhere from one to five years.Improve Your Credit Score: If you commit to making on-time payments, your credit score will improve and make you a more desirable candidate next time you need a loan.The cons for bad credit loans are just as obvious:High interest rates. You’re a risk so the lender wants a reward; sometimes a huge reward.Fees and penalties. Read the fine print. Is there a loan origination fee? What is the late fee? You may have to pay a fee for making payments by check.Collateral sometimes required. You may have to put a house or car at risk to get the loan. If you miss payments, you could lose that house or car.Might not be licensed. Not every online lender is licensed in every state. Be sure the company you choose is certified in your state before you start paying for their service.Be sure you have multiple offers before making a final decision. The competition gives you a chance to compare and research the company you eventually choose.Where To Get A Loan With Bad CreditThere are some outlets for people looking for bad credit loans, but it definitely will take some shopping around to find interest rates and repayment terms you can afford.The big national and regional banks stick tightly to credit score ratings so don’t bother with that unless you have taken time to clean up your credit report and raise your score.If you don’t have time to improve your score, find a loan from the sources listed below.Credit Union Loans For Bad CreditA credit union – especially one affiliated with your employer or one that is community-based – may be willing to look beyond a poor credit history and make a judgment about whether it will loan you money based on your character and your promise to repay. Think of credit unions the way you would a small community bank from years ago.The most promising aspect of a credit union loan is the interest rate ceiling of 18%, which applies to anyone, regardless of their credit score. A similar loan from a bank could run you as much as 36% interest.That can make a huge difference in the payout you make on a bad credit loan. Let’s say you have a three-year, $10,000 loan. Here is the total repayment:18% — $13,014.36% — $16,489.The chance to save more than $3,000 makes it worth looking into enrolling in a credit union. Almost all credit unions are actively looking for borrowers. If you can afford terms that match your credit history, you are likely to find a credit union somewhere willing to work with you.If you are a vteran of the arm forces, you might want to approach the Navy Federal Credit Union or PenFed Credit Union. If you are a teacher or government worker, you might check out State Employees Credit Union or Schoolsfirst Credit Union.Almost every consumer could qualify for some credit union. By joining, you could position yourself for much more favorable loan terms, regardless of your credit score.Borrow from Family or FriendsThis is dangerous from a relationship standpoint, but makes a lot of sense from a financial and loan-anxiety standpoint because it should be easier to get approval and a break on terms.Family and friends aren’t likely to put you through a grueling qualifying process and probably would cut you some slack on the interest rate charged compared to what you would get from lending institutions that make bad credit loans.Treat any loan from someone you know just as if it were an important business transaction between you and a stranger. That means it should be formalized with clear documentation and legally recorded. To avoid future problems, create a written contract that includes the loan terms and interest rate, and what will happen if you cannot repay the debt.Get a Co-SignerIf borrowing from a friend or relative is not possible, you can still approach someone you know with good credit about co-signing on for a bad credit loan.With a qualified co-signer, the lender will set the loan terms based on the credit score of the person with good credit, who will then be equally responsible for repayment. All payment information will be recorded on both your credit report and your co-signer’s, so if you default on the loan, or you’re late with payments, you both suffer. However, if you make timely payments, your own score will improve, making it easier to obtain future loans without a co-signer.Home Equity Loan with Bad CreditIf you have equity in your home, you can apply for a home equity loan . Your home is used as collateral, and home equity loans can be obtained regardless of your credit score. The interest rate is usually low, because the loan is secured by the home. Also, the interest you pay on a home equity loan is usually tax-deductible.It is important to remember that tapping your home equity puts your property in jeopardy if you don’t repay the debt. But if you are disciplined and have a reliable source of income, it is an inexpensive way to borrow from a reputable lender when you have bad credit.Peer-to-Peer LendingPEER TO PEER LENDING, also known as P2P lending, has only been around since 2005. It’s an online platform that allows you to get a bad credit loan directly from another individual or group of individuals rather than from an institution. Potential borrowers post a loan listing on various peer-to-peer websites, indicating the amount needed and what it’s for. Investors review the loan listings and choose borrowers they wish to fund.Your credit score is still a factor, but since an individual investor has much greater leeway in how factors are weighted, these loans are often more readily available for people with bad credit. Lending standards are significantly more lenient and interest rates are usually lower than those offered by traditional lenders. In addition, peer-to-peer websites help evaluate risk for the lender, while verifying the lender’s credentials for the borrower.Here are some examples of peer-to-peer lending institutions:Peer-to-Peer Lender ExamplesLender NameBorrowing LevelsLoan TermsMinimum Credit ScoreInterest RangesOrigination FeeTime to Receive FundsLending CLUB$1,000 to $35,0003 years or 5 years6005.98% to 35.89%1% to 6% of loan amountOne weekPEERFORM$4,000 to $35,0003 years or 5 years6005.99% to 29.99%1% to 6% of loan amountUp to two weeksProsper Marketplace$2,000 to $35,0003 years or 5 years6405.99% to 35.99%1% to 5% of loan amountOne to three business daysSOFI$5,000 to $100,0003 years to 7 years6605% to 15%NoneOne weekUpstart$1,000 to $50,0003 years to 5 years6207.43% to 29.99%1% to 8% of loan amountOne dayOnline Personal LoansTechnology and a wide gap in the marketplace have opened the door for Personal Loan Lenders, a new industry that has created an option for people with low credit scores.These lenders are essentially banks that don’t have offices. They do their work online and offer bad credit loans for things like debt consolidation and home repairs. Their primary appeal is they work fast. They can make decisions in minutes and deposit funds in an account in a few hours or days. Many have no application fee or pre-payment penalty.Online personal loan applications are simple and easy to fill out. Credit scores are only a part of the decision-making process so this could be an appealing option if you have bad credit or no credit. In fact, some personal loan lenders have their own credit-score model and don’t use FICO scores. Other factors considered include whether you have a college degree, the school your degree came from and your employment history.Online Personal Loan Lender ExamplesLender NameBorrowing LevelsLoan TermsMinimum Credit ScoreInterest RangesOrigination FeeTime to Receive FundsAvant$2,000 to $35,0002 years to 5 years5809.95% to 35.99%4.75% of loan amountTwo daysBEST EGG$2,000 to $35,0003 years or 5 years6405.99% to 29.99%0.99% to 5.99% of loan amountNext dayEARNEST$2,000 to $50,0001 years to 3 years7205.25% to 14.24%NoneOne weekONE MAIN;$1,500 to $25,0001 years to 5 yearsNone17.59% to 35.99%Varies by stateSame daySecured vs. Unsecured Bad Credit LoansIf your credit score does not impress banks or credit unions, the best chance to get money you need is through a secured loan.A secured loan is one in which you borrow against an asset you own, such as a home, car, boat, property, savings or even stocks.The lender will hold the asset as collateral against you defaulting on the loan. Secured loans offer lower interest rates, better terms and access to larger amounts of money than unsecured loans.An unsecured loan has nothing more than a promise that you will repay behind it and could be very difficult to get from most banks. Banks are willing to make unsecured loans to their best customers – people who have the income and credit history to prove they will repay the loan – but are very cautious about lending money otherwise.An unsecured loan is no risk for the borrower, but high risk for the bank so you can expect considerably higher interest rate charges and little flexibility on qualifying or terms of the loans.Some banks will make secured loans based on the amount you have in a savings account or the value of any stocks you own. The value of getting a secured loan against savings or stocks is that you will not need to liquidate the asset so when you have paid off the loan, you still own the savings or stocks.However, if you plan to use savings or stocks as collateral, most financial advisors suggest you liquidate them and use the money to pay whatever debt you are trying to settle rather than take out a loan.

This article was posted on Reddit: What to do if you've been kicked out of your family home as a teenager: a PF guide. Please click here to read the latest version of this article.Unfortunately, posts on this topic are not a rare occurrence here. Teenagers are often kicked out of their home without support, sufficient money, or time to prepare in advance, but there are some resources and options for teenagers in this situation.This guide also includes some information for teenagers who are at risk of being kicked out.First, please seek helpIf you need help, there are confidential and nonjudgmental services with trained helpers that you can call or contact online. Sometimes these services get busy. If you can't reach someone right away, please try again until you reach someone.In the case of a life-threatening emergency, please call the police or the emergency telephone number for your country (e.g., 911 in the United States).In addition to the below resources, consider talking to an adult that you trust and/or an independent institution or service provider with community knowledge and resources. There are many options such as:A teacher, sports coach, or staff member at your schoolA school guidance counselor, school nurse, or doctorA relative that you trustA family doctor or nurseA religious leaderA librarianWhile most are not trained explicitly in this area, librarians tend to be resourceful and very good at research if you're feeling overwhelmed.A staff member at local shelters, food banks, soup kitchens, etc.Even if you aren't interested in that specific resource, they tend to be sympathetic and familiar with local resources.Another adult you trustIt doesn't have to be one of the above options. Someone like a friend's parent or even a neighbor may be a good option for getting advice, sorting through your options, and avoiding mistakes. Most adults have a decent amount of experience dealing with government agencies, navigating complex situations, and have had their share of troubles too.United StatesContact the National Runaway Safeline. They provide a valuable resource for runaway, homeless, and at-risk youth. The service is free, confidential, and available 24/7.CALL 1-800-RUNAWAYCLICK 1800RUNAWAY.orgTEXT 66008You can also text "HOME" to 741741 in the US to communicate with a Crisis Text Line volunteer anytime, about any type of crisis. Every texter is connected with a Crisis Responder, a person trained to bring texters from a hot moment to a cool calm through active listening and collaborative problem-solving.In most of the US, you can also call 211. They will help connect you with resources.United KingdomContact Childline. Childline is a free, private, and confidential service where you can talk about anything.CALL 0800 1111More information is located under Moving out / leaving home on Childline.If you're in England, aged 16 to 25, and homeless or at risk, the Centrepoint Helpline offers advice and support to vulnerable young people.CALL 0808 800 0661 (Monday - Friday, 9am - 5pm)Here is some additional information about housing and homelessness resources for young people in the UK.CanadaContact the Kids Help Phone.CALL 1-800-668-6868You can also text "HOME" to 686868 in Canada to communicate with a Crisis Text Line volunteer anytime, about any type of crisis. Every texter is connected with a Crisis Responder, a person trained to bring texters from a hot moment to a cool calm through active listening and collaborative problem-solving.In most of Canada, you can also call 211. They will help connect you with resources.AustraliaContact the Kids Help Line.CALL 1800 55 1800Resources for other countriesCountryOrganizationPhone NumberBelgium (Dutch)Awel102GermanyNummer gegen Kummer116 111IrelandISPCC1-800-666-666ItalyTelefono Azzurro RosaCasi urgenti e SMS adolescenti: 337 427363NetherlandsKindertelefoon0800-0432New ZealandYouthline0800 376-633South AfricaChildline08000 55555Other CountriesChild Helpline InternationalFind a Child HelplineSome housing options to considerRead through all of these before you settle on which options to try first. If it starts to be too overwhelming or you need help, please reach out to one or more of the resources listed above for advice and support.If your home living situation was not abusive and there is an option to make up with your parent(s) or caregiver, please consider it (even if it means a curfew, chores and hard work, or following rules you don't like). You can use this time to save up more money, find work, finish high school, and generally prepare for living on your own.If things are uncomfortable at home and you're allowed to simply spend more time elsewhere, that's often a good option to reduce tension at home. Some ideas: get a cheap gym membership, do your studying at the library, get a part-time job, join an after-school group, or volunteer.If you have fundamental disagreements with your family or caregivers and this would be a possible reason for you to be kicked out, it's probably best to delay announcing these until you're on your own and doing well independently. Maybe they are not great people. Maybe you don't believe in the same things. As long as you are safe, it can wait until you are in a better position to be independent. As they say, the best revenge is living a good life.It's generally illegal for your parent(s) or guardian to actually kick you out. If your home living situation was not abusive, one option to consider is contacting the police to get back into your home.If you're an underage child (under 18 in most of the United States) and not legally emancipated, it's almost always illegal for parent(s) or a guardian to kick you out.Even if you're an adult or legally emancipated, but living at home, it's generally illegal to kick you out without following the relevant laws including sufficient notice. The specifics depend on the circumstances and your location (you may consider posting to r/legaladvice as well).Contacting the police may be unpleasant and you will need to listen to the police officer, but your parent(s) or guardian will also need to listen and allow you back into their home. You shouldn't be carrying anything illegal (drugs, alcohol if you're underage, or illegal weapons) in general regardless, but absolutely do not have any of those items on you or in your room if you contact the police.3. If you have any relatives that you can reach that would let you stay with them for any period of time, this is one of the best available options if you've been kicked out. Aunt or uncle lives in the next state? Call them and find a way to get there. Any non-abusive relative that you know is probably a better option than heading to a shelter. Grandparents, cousins, aunts, uncles, step-siblings, you name it.4. Failing that, your next best bet is to contact friends, crash on a couch, and ask anyone you know that might put up with you. Try to consider any workable and safe options. For example, your ex's parents liked you and you're on good terms? Call them and ask if you can sleep on their couch for a few days until you figure something out.5. While you're living on someone else's dime, in a place that isn't yours, friends, family, shelter, whatever it is, try you best to be on your best behavior. That means:Try to avoid drugs and alcohol. If you need help with substance abuse, please reach out to some of the resources linked above.Try to respect any rules of the household or establishment and stay out of trouble.Keep your space clean and maintain your personal hygiene.Try to avoid being a negative presence.It may be very difficult to find a better option, especially on short notice, but living and sleeping on the street is very dangerous, especially as a teenager. Contact one of the above help lines and they will help you find a safe place to sleep.United StatesIf you're 16 to 24, Job Corps is another option worth investigating (some adults with documented disabilities above the age of 24 are also accepted). Under the age of 18, you will need the approval of a parent or guardian.Job Corps offers free education and vocational training, dormitory-style housing, food, work clothes, and other resources to help prepare youth for independent living and the opportunity to learn skills needed for a job that's somewhat better than an unskilled minimum-wage job. It's completely free for those that qualify and are accepted into the program.Preparing if you think you might be kicked out or may need to leave soonTry to avoid accelerating the process and use any time you have to save up money and prepare. Your own safety comes first, though.Try to make sure you will have a place to stay. If you can sleep on a couch for a month and save up more money before renting a room, do it. You want to save up money as much as reasonably possible.Try to have your birth certificate, identification, passport, diplomas and anything else you will need. Store important documents at the home of a trusted friend or family member if possible. Note that your parent(s) or guardian aren't obligated to give you their copy of certain documents and you should not put yourself at risk to retrieve these because you can order a copy later (link for United States).Plan for the worst case even though it might not happen. Your parents may not support you going to school, fill out financial aid paperwork for you, etc. If you can't afford to pay for school on your own, you may need a different plan for continuing your education such as going to community college while working.If and when you need to spend money for a place to stay, try to spend as little money as possible on rent. That usually means renting a room instead of an apartment, having some roommates, etc.Financial AccountsJoint bank accounts can be emptied by either account holder at any time so if you're old enough to open your own bank account (18 or 19 in the United States), open a new bank account at a different bank from the one used by your family. Local credit unions, online banks, and online credit unions are popular recommendations here. Use a local credit union if you will need to deposit cash.If you're not old enough to open an account where you live, see if an adult that you trust will help open a joint bank account with you. When you are old enough to open your own account, open one as soon as possible and transfer your money over.Sign up for electronic statements and consider using a different postal address (e.g., the address of a friend or trusted adult) so statements don't get delivered to your home.If you're having trouble finding an bank or credit union that will allow an adult that isn't a parent or guardian to open an account with you, the Money account offered by Capital One 360 is one option in the United States.Check your credit report and freeze your credit (sign up for credit monitoring before freezing your credit).SchoolUnited StatesIf you're still in high school, ask a guidance counselor or principal at your school about continuing your education. The McKinney-Vento Act is a federal law that mandates the right of students regardless of their housing status. The law provides resources and support including provide transportation, free meals, and other services.If you have questions about Federal student aid, and are homeless or at risk of becoming homeless read this guide from the Department of Education.Other resourcesr/almosthomelessr/homelessPF Wiki: Advice for high school students and teenagersEditsI made many edits based on all of the really helpful feedback. Thanks especially to /u/BettaTesting for these ideas and /u/Nilpunk9 for this suggestion.377 CommentsShareSaveHideReport94% UpvotedThis thread is archivedNew comments cannot be posted and votes cannot be castSORT BYBESTView discussions in 12 other communitieslevel 1dequeuedWiki Contributor1.5k points·1 year agoI went through several versions of this before finally posting it. Over time, I've shifted this to more of a "this is above our pay grade" approach with links to resources and information. I ultimately decided against including advice on car living, vagabonding, etc. because it's a little too off-topic and those are not really safe or good options for most teenagers (even older teenagers).While this isn't focused on advice for older adults (ages 20+) in this situation, some of the same resources like the Crisis Text Line and 211 can be helpful in the US (I haven't researched this for other countries).If there are resources you think I should be including here, please let me know in this thread! I'm hoping to eventually include this in the wiki as a resource everyone can link as needed.P.S. Thanks /u/ejly for the feedback!level 2Comment removed by moderator1 year agoMore than 1 childlevel 2boyda112​284 points·1 year agoThis is a solid post, thanks for the time you committed to this, and some of the resources I hadn't seen before particularly the Department of Ed.Continue this thread

This is a good question, let's enumerate some important laws which came in the newspapers in the past 12 months.We shall make this post crowd-sourced. And we are planning to reward our contributors by giving them credits* -Detailed Well Presented 100 word Explanation - 2000Giving Valid Links and a Small Brief - 1000Giving Names of New Laws - 500Contributors (As of now) - Jai Parimi, Divya Malika, Prasanna, Ashutosh Pandey, Arihant Pawariya (अरिहंत पावङिया), Divya Choudhary (दिव्या चौधरी), Varsha Singh, Priyanka Peeramsetty, User, Gaurav Kumar, Jagannadh, Arpit Pareek, Nikhil Deshmukh, Harshit Ladva1) The National Judicial Appointments Commission Bill, 2014 and the 99th Constitutional AmendmentA bill to provide for the composition of the Judicial Appointments Commission for the purpose of recommending persons for appointment as Chief Justice of India and other Judges of the Supreme Court, Chief Justices and other Judges of High Courts, its functions, procedure to be followed by it and for matters connected therewith or incidental thereto.Key Issues and AnalysisThe current method of appointments has been examined by various bodies including the Law Commission and the Parliamentary Standing Committee. They vary in the role of the executive and judiciary in making appointments of judges.The composition of the JAC has not been included in the Constitution, but has been left for Parliament to decide by law. This implies that modifying the composition of the JAC would not require a constitutional amendment, but may be altered by a simple majority in Parliament.The Standing Committee examining the JAC Bill has recommended that (i) the JAC be composed of three eminent persons, (ii) the broad parameters for short listing of candidates for HC appointments be laid down in the Bill, and (iii) the center also consider the setting up of state level appointments commissions comprising the Chief Minister, the Chief Justice of HC and the Leader of Opposition.2) Land Acquisition, Rehabilitation and Reservation Act, 2013Objective - The principle objective of the new bill is fair compensation, thorough resettlement and rehabilitation of those affected, adequate safeguards for their well-being and complete transparency in the process of land acquisition. The title has been amended to reflect this.Need - There is unanimity of opinion across the social and political spectrum that the Old Law (The Land Acquisition Act 1894) suffers from various shortcomings and is outdated. Some of these include Forced acquisitions, No safeguards, Silent on resettlement and rehabilitation of those displaced, Urgency clause, Low rates of compensation, Litigation. To say the least, the Old Act needs to be replaced at the earliest by fair, reasonable and rational enactment in tune with the constitutional provisions, particularly, Article 300A of the Constitution.Link - Land Acquisition, Rehabilitation and Resettlement Act, 20133) Companies Act, 2013 (CSR Pref)Objective - Effective from financial year 2014-15, every company, private limited or public limited, which either has a net worth of Rs 500 crore or a turnover of Rs 1,000 crore or net profit of Rs 5 crore, needs to spend at least 2% of its average net profit for the immediately preceding three financial years on corporate social responsibility activities.Impact - The CSR activities undertaken by the companies will benefit hunger and poverty eradication, promoting preventive healthcare, promoting education and promoting gender equality, setting up homes for women, orphans and the senior citizens, measures for reducing inequalities faced by socially and economically backward groups, ensuring environmental sustainability and ecological balance, animal welfare, protection of national heritage and art and culture and many more.Link - Companies Act, 2013, Companies - It's a good articlePRSIndia– This describes the whole of companies act – Checkpoint 135 for CSR4) Right to Information Act (RTI), 2005Objective - Landmark bill, which realized the Right to seek and access Information in line with the interpretation of Art.19(1)(a) of our constitution.Impact - Champion to ensure Transparency and accountability in the governance procedures. it enforces the right of every citizen of India to have an access to the information regarding any money given by the State to any authority, thereby causing such authority to utilize such money reasonably and judiciously and also for keeping a check over their conduct and indulgence in corrupt activities. In 2002, SC’s verdict gave the citizens have a right to know about charges against candidates for elections as well as details of their assets, since they desire to offer themselves for public service and public servants cannot claim exemption from disclosure of charges against them or details of their assets. It is a powerful tool which can be realised in changing social dynamics and needs.Criticism - Debates regarding the ambit of RTI’s scope have been articulated, to be extended, say to the political parties, temples, schools and also privatized public utility companies. Evidences of misusage have come to the limelight, say Naxalites using RTI’s to check the assets of local landlords to loot themGuide to RTI : Page on rti.gov.in5) Special Economic Zones (SEZ) Act, 2005Objective - The SEZ Act is expected to give a big thrust to exports and consequently to the foreign direct investment (“FDI”) inflows into India, and is considered to be one of the finest pieces of legislation that may well represent the future of the industrial development strategy in India. The new law is aimed at encouraging PPP to develop world-class infrastructure and attract private investment (domestic and foreign), boosting economic growth, exports and employmentImpact - The government gets the capital needed to establish the required infrastructure and also the expertise. SEZ’s with relaxed import tariffs help the Import dependent and export driven industries to flourish. SEZ’s create immense employment opportunities and improve the country’s foreign export.Criticism - Practical implementation witnesses several backlogs ranging from regional disparities, grabbing arable land, labour laws issues and supply chain management which fail to be addressed effectively through the bill6) Criminal Law (Amendment) Act, 2013Objective -The government introduced the Bill to redefine the offence of rape and amend the penal laws in line with the recommendations of the Law Commission and the National Commission for Women. The government withdrew the previous Bill and Ordinance, and introduced the Criminal Law (Amendment) Bill, 2013. The changes wrt the ordinance in the act are:Impact - Popularly known as the Anti-rape bill, this came out of the protests of 2012 Delhi Gang rape case.Criticism - For not including certain suggestions recommended by the Verma Committee Report like, marital rape, reduction of age of consent, amending Armed Forces (Special Powers) Act.Some detailed work: http://www.atimysore.gov.in/workshops/wppts/gender_issues/crim_law_amnd_2013_drjagadeesh_jsslaw_college.pdf7) Sexual Harassment of Women at Workplace Act, 2013Objective - To provide protection against sexual harassment of women at workplace and for the prevention and redressal of complaints of sexual harassment and for matters connected therewith or incidental thereto. the protection against sexual harassment and the right to work with dignity are universally recognized human rightsImpact - On a broader line, this ensures safe work environment for women against sexual abuse at work place and is capable of garnering a greater female work force and these are the Major features the act provides for.Criticism - It does not cover women in the armed forces and excludes women agricultural workers, "a gross injustice to agricultural workers. The burden of proof is on the women who complain of harassment. If found guilty of making a false complaint or giving false evidence, she could be prosecuted, which has raised concerns about women being even more afraid of reporting offences. Furthermore, the law requires a third-party NGO to be involved, which could make employers less comfortable in reporting grievances, due to confidentiality concerns.8) DNA Profiling Bill, 2012Purpose - DNA analysis makes it possible to determine whether the source of origin of one body substance is identical to that of another, and further to establish the biological relationship, if any, between two individuals, living or dead without any doubt.Tip - Lawful purposes of establishing identity in criminal or civil proceedings.Impact - It will be essential to establish standards for laboratories, staff qualifications, training, proficiency testing, collection of body substances, custody trail from collection to reporting and a Data Bank with policies of use and access to information therein, its retention and deletion.DNA Data Bank Manager will supervise, execute and maintain this system and a DNA Profiling Board of eminent scientists, administrators and Law enforcement officers will administer and carry out other functions assigned to it under this Act.Link - DNA Profiling Bill - PDF9) Nuclear Safety Regulatory Authority Bill, 2011Purpose - So far, India has excellent record in nuclear safety and radiation safety; but the Central Government intends to promote nuclear energy to meet shortfall in total energy requirement of the country; and whereas such excellent safety record in nuclear safety and radiation safety is required to be sustained for growth in the nuclear energy sector.Impact - Now, therefore, it has been considered necessary and expedient to establish regulators to ensure continued excellence in nuclear safety and radiation safety in all applications of radiation and atomic energy on a large scale.10) Civil Liability for Nuclear Damage Bill, 2010Purpose - As the name itself indicates that it is an Act to provide for civil liability for nuclear damage and prompt compensation to the victims of a nuclear incident through a no-fault liability regime channeling liability to the operator.Impact - Appointment of Claims Commissioner, establishment of Nuclear Damage Claims Commission connected there with.11) IT Act, 2000 and IT (Amendment) Bill, 2006Purpose - It is an Act to provide legal recognition for the transactions carried out by means of electronic data interchange and other means of electronic communication, commonly referred to as "Electronic Commerce", which involve the use of alternatives to paper based methods of communication and storage of information, to facilitate electronic filings of documents with the Government and other related agencies.Tip - It is renamed as the Information Technology Act, 2008Impact - To promote efficient delivery of Government services by means of reliable electronic records.12) National Green Tribunal Bill, 2009Purpose - For the effective disposal of cases relating to environmental protection and conservation of forests and other natural resources including enforcement of any legal rights relating to environment and giving relief and compensation for damages to persons and property.Impact - National Green Tribunal law is enacted in view of the involvement of multi-disciplinary issues relating to the environment and also to implement the decisions taken at Rio de Janeiro and Stockholm Conferences.Link - NGT Bill - PDF13) Monopolies and Restrictive Trade Practices Act, 1969Objective - It is designed to ensure that the operation of the economic system does not result in concentration of the economic power to the common detriment.The act also provides for probation of monopolistic, unfair and restrictive trade practices.Impact - The MRTP Commission if on enquiry concludes that the practice under consideration is of restrictive or unfair in nature , it may:Order discontinuation of the practice and restrict its repetition (cease and desist order ), the agreement shall be void and shall stand modified as may specified in the order. It extends to the whole of India except the State of Jammu and Kashmir.Link - MRTP Act, 196914) Mines and Minerals (Development & Regulation) Amendment Bill, 2008(Coal scam and SC verdict, so important)Objective - To develop and regulate mining & mineral industries and bring it under the control of one union by setting up mineral funds on National level, granting concessions, share benefit schemes while preventing illegal mining.Impact - Safeguards on regulating and safe disposal of waste in consonance with environmental norms will be incorporated. Through implementation of proper taxing and speedy approvals on action against violations illegal mining will be preventedLink - Mines and Minerals (Development and Regulation) Amendment Bill 200815) Whistleblower Protection Bill, 2011It seeks to establish a mechanism to register complaints on any allegations of corruption or wilful misuse of power against a public servant. The Bill also provides safeguards against victimisation of the person who makes the complaint.Highlights of the BillThe Bill seeks to protect whistleblowers, i.e. persons making a public interest disclosure related to an act of corruption, misuse of power, or criminal offence by a public servant.The Vigilance Commission shall not disclose the identity of the complainant except to the head of the department if he deems it necessary. The Bill penalises any person who has disclosed the identity of the complainant.Key Issues and AnalysisThe Bill aims to balance the need to protect honest officials from undue harassment with protecting persons making a public interest disclosure. It punishes any person making false complaints. However, it does not provide any penalty for victimizing a complainant.16) Juvenile Justice(Care and Protection) Bill 2014Objectives: The Bill seeks to achieve the objectives of the United Nations Convention on the Rights of Children. It specifies procedural safeguards in cases of children in conflict with law. It seeks to address challenges in the existing Act such as delays in adoption processes, high pendency of cases, accountability of institutions, etc. The Bill further seeks to address children in the 16-18 age group, in conflict with law, as an increased incidence of crimes committed by them have been reported over the past few years.Coverage: The Bill defines a child as anyone less than 18 years of age. However, a special provision has been inserted for the possibility of trying 16-18 year old committing heinous offenses, as adults. A heinous offense is defined as one for which the minimum punishment under the Indian Penal Code is seven years.17) Citizens Charters & Grievance Redressal Bill, 2011. (CCGR)The Citizen's Charter and Grievance Redressal Bill 2011 also known as The Right of Citizens for Time Bound Delivery of Goods and Services and Redressal of their Grievances Bill, 2011 or Citizens Charter Bill was a proposed in Lok Sabha in December 2011. The bill lapsed due to dissolution of the 15th Lok Sabha.The Right of Citizens for Time Bound Delivery of Goods and Services and Redressal of their Grievances Bill, 2011 lays down obligations of every public authority towards citizens, specifying delivery of goods and services in a time-bound manner and providing for a grievance redressal mechanism for non-compliance of citizens charter.Highlights :The Bill makes it mandatory for every public authority to publish a Citizen’s Charter within six months of the commencement of the Act.The Citizen’s Charter shall list the details of the goods and services provided by a public authority; the name of the person or agency responsible for providing the goods or services; the time frame within which such goods or services have to be provided; the category of people entitled to the goods and services; and details of the complaint redressal mechanism.Grievance redress officer : It requires every public authority to designate grievance redress officers in all public offices to enquire into and redress any complaints from citizens in a timeframe not exceeding 30 days from the date of receipt of the complaint.Public Grievance Redressal Commissions : The Bill provides for constitution of the state public grievance redressal commission and the central public grievance redressal commission consisting of chief commissioners and other commissioners.Penalty : DA and Commission can impose fine of Max. Rs 50000 to concerned officials/GRO. The penalty shall be recovered from the salary of the official. Such penalty may be awarded as compensation to the appellant.Corruption Prevention : The Designated Authority and the Commissions may refer a matter to the appropriate authorities if there is prima facie evidence of a corrupt act under the Prevention of Corruption Act, 1988. An appeal against the decision of the Central Commission shall be filed before the Lokpal. An appeal against the decision of the State Commission shall be filed before the Lokayukta.Criticism :Against federal Spirit : Citizens’ charter bill provides for GRO and Grievances Commission at state and central level, but Parliament doesn’t not have jurisdiction to enact such law. Only State legislature has jurisdiction to make laws regarding state public services.More than ten states have already enacted a Citizen Charter Act or Public Services Guarantee Act in their respective states. Many of these state laws have provisions that are much better than the proposed Bill.Lack of Autonomy : According to the bill, the commissioners may be removed without judicial inquiry.Duplication of work : Several states have their own grievance redressal laws, The mechanism provided under these laws is different from that provided under the Bill. This will lead to duplication of work and organizations.MNREGA Act, RTE Act, National Food Security Bill, and the Public Procurement Bill also have their own grievances redressal forums. This will again lead to more duplication.Sources :Copy of Bill : Page on prsindia.orgSummery of Bill : Page on prsindia.orgWiki Page : Citizen's Charter and Grievance Redressal Bill 2011Mrual Page : Citizens Charter Bill 2011: Salient Features, Issues, CriticismRediff Page : All you need to know about the Citizen's Charter Bill18) Right to Education Act, 2009The Right of Children to Free and Compulsory Education Act or Right to Education Act (RTE), was enacted on 4 August 2009, which describes the rules and regulations for free and compulsory education of children between 6 and 14 under Article 21A of Constitution. India became one of 135 countries to make education a fundamental right of every child when the act came into force on 1 April 2010.Highlights :The Right of Children to Free and Compulsory Education (RTE) Act 2009 stipulates that private schools reserve 25 per cent of seats at the entry level for children belonging to ‘disadvantaged groups’ and ‘weaker sections’.The Act also provides that no child shall be held back, expelled, or required to pass a board examination until the completion of elementary education. There is also a provision for special training of school drop-outs to bring them up to par with students of the same age.Mentally and physically challenged children, entitled to free education in special schools, were included in the definition through an amendment in 2012.It also prohibits all unrecognised schools from practice, and makes provisions for no donation or capitation fees and no interview of the child or parent for admissions.Criticism :The act has been criticised for being hastily-drafted, not consulting many groups active in education, not considering the quality of education, infringing on the rights of private and religious minority schools to administer their system, and for excluding children under six years of age.Problems faced :Poor Response : Lack of awareness about the Act, inability to meet the distance criteria and difficulty in obtaining necessary certificates from government authorities could be some of the reasons for this.The Act provides for admission of children without any certification. However, several states have continued pre-existing procedures insisting that children produce income and caste certificates, BPL cards and birth certificates.The Act is not applicable to private minority schools and boarding schools.Report on the status of implementation of the Act released by the Ministry of Human Resource Development admits that 8.1 million children in the age group six-14 remain out of school and there’s a shortage of 508,000 teachers country-wide.Conclusion :For all its flaws, the RTE Act is a progressive piece of legislation that aims to take education to the masses and fill the gaps in the social system.Sources :Copy of Act : Page on ssa.nic.inWiki page : Right of Children to Free and Compulsory Education ActHindu Article : Advantages and disadvantages of RTE Act19) Protection of Children from Sexual Offences Act, 2013 (POSCO)Objective – The act aims at ensuring protection of children from sexual abuse.Pros –1. Gender Neutral bill. 53% victims of children are victims.2. Stringent punishment (upto life imprisonment)3. Covers broad range of sexual crimes such as non-penetrative sexual assault, sexual harassment, and the use of children for pornography4. Includes special procedures to prevent the re-victimisation of children at the hands of an insensitive justice delivery system5. Protects victims identity and provides assisting legal, medical and psychological facilitiesCons –1. Criminalises all consensual sexual contact below 18 years age.2. The age provision is not in consonance with other acts.3. Regressive and draconian considering today’s social realities. Children are increasingly aware of each others sexualities at early age.4. Child marriage is prevalent on large scale. The age provision ignores this reality. Liable to bogus and unjustified complaints.Source – The Hindu : Good Act, bad provision20) The Prevention of Corruption (Amendment) Bill, 2013Objective – The act aims to combat corruption in government agencies and public sector businesses in India.Pros -1. Covers the offence of giving a bribe to a public servant under abetment. Specific provisions related to giving a bribe to a public servant, and giving a bribe by a commercial organisation.2. Redefines criminal misconduct to only cover misappropriation of property and possession of disproportionate assets.3. Modifies the definitions and penalties for offences related totaking a bribe, being a habitual offender and abetting an offence.4. Introduces Powers and procedures for the attachment and forfeiture of property of public servants accused of corruption.5. The Act requires prior sanction to prosecute serving public officials. The Bill extends this protection to former officials.Cons -1. The Bill makes giving a bribe a specific offence. There are diverging views on whether bribe giving under all circumstances must be penalised. Some have argued that a coerced bribe giver must be distinguished from a collusive bribe giver.2. The Bill has deleted the provision that protects a bribe giver from prosecution, for any statement made by him during a corruption trial. This may deter bribe givers from appearing as witnesses in court.3. The Bill has replaced the definition of criminal misconduct. It now requires that the intention to acquire assets disproportionate to income also be proved, in addition to possession of such assets. Thus, the threshold to establish the offence of possession of disproportionate assets has been increased by the Bill.4. By redefining the offence of criminal misconduct, the Bill does not cover circumstances where the public official: (i) uses illegal means, (ii) abuses his position, or (iii) disregards public interest and obtains a valuable thing or reward for himself or another person.5. Under the Act, the guilt of the person is presumed for the offences of taking a bribe, being a habitual offender or abetting an offence. The Bill amends this provision to only cover the offence of taking a bribe.Source - The Prevention of Corruption (Amendment) Bill, 201321) Assisted Reproductive Technologies (ART) (Regulation) Bill 2010Objective – The bill aims at legalizing (commercial) surrogacy.Pros –1. Offers legal protection to child and surrogate mothers.2. Regulation of IVF/ART clinics and holding them Accountable for ensuring best medical practices.3. Curbs exploitation of mother. Limits number of child births per mother to five.4. Introduces age limit for surrogate mother – 21 to 35.5. Ensures Child’s citizenship to be same as parents.Cons –1. Legal back up will lead to widespread commercialization of surrogacy, posing serious ethical, moral and philosophical questions.2. Mandatory certificate ensuring legality of surrogacy in foreign couple’s home country needed. Impediments in smooth commercial functioning.3. No provision in the bill if parent’s change their mind or die. Child’s responsibility in this case is debatable.4. Plethora of in-genuine clinics in India. Exploitation of poor and illiterate mothers because of their incapability to understand legalities involved.Source - Issues of surrogacy, PIB English Features22) Biotechnology Regulatory Authority Bill, 2013Objective - The Bill sets up an independent authority, the Biotechnology Regulatory Authority of India (BRAI), to regulate organisms and products of modern biotechnology.Pros –1. BRAI will regulate the research, transport, import, containment, environmental release, manufacture, and use of biotechnology products.2. Regulatory approval by BRAI will be granted through a multi-level process of assessment undertaken by scientific experts.3. BRAI will certify that the product developed is safe for its intended use. All other laws governing the product will continue to apply.4. A Biotechnology Regulatory Appellate Tribunal will hear civil cases that involve a substantial question relating to modern biotechnology and hear appeals on the decisions and orders of BRAI.5. Penalties are specified for providing false information to BRAI, conducting unapproved field trials, obstructing or impersonating an officer of BRAI and for contravening any other provisions of the Bill.Cons -1. The Tribunal has jurisdiction over a ‘substantial question relating to modern biotechnology’ – An ambiguous term.2. The Tribunal will consist of one judicial member and five technical members. This is not in conformity with a SC decision that the number of technical members on a bench of a Tribunal cannot exceed the number of judicial members.3. The Tribunal’s technical members shall be eminent scientists or government officials with experience in the field. It is unclear whether the technical expertise of the latter can be equated with the former.4. The Bill does not specify any liability for damage caused by a product of biotechnology. Therefore, it will remain open to the courts to determine liability arising out of any adverse impact of modern biotechnology.5. Tribunal will not accept complaints from civil society, in spite of the fact that the Bill directly or indirectly affects every citizen. No public consultation done.6. Non clarity over Dept of GoI that will service BRAI. No mention of mandatory labelling of GM crops.7. Takes away rights of states to decide on Agriculture, which is state subject.8. The Convener of the Selection Committee for members of BRAI will be from the Department of Biotechnology (DBT), which is a vendor of genetic engineering (the technology that BRAI is supposed to regulate) in the country. Conflict of Interest will arise.Source - The Biotechnology Regulatory Authority of India Bill, 2013Unconstitutional, unethical, unscientific23) Coal Regulatory Authority Bill, 2013ObjectiveTo set up an independent regulatory body for the coal sector that shall help in the regulation and conservation of coal resources and will benefit all stakeholders i.e. - coal companies, coal consuming industries such as power, steel, cement and coal bearing States and people, directly or indirectly associated with the coal industry.A fund called ‘The Coal Regulatory Authority Fund” is created to credit all the receipts and fees received.Constituents1 chairperson + 4 members. One each from legal , technical , administrative and financial wings. All to be selected by a committee of Group of Ministers (GoM) headed by Cabinet Secretary.What will it do ?Inject transparency in allocation of coal blocks.Decide and Monitor operational norms and mining closure compliances and such.Determine pricing of the fuel and publishing surveys, information, statistics, etc related to coal sector and coal quality.Adjudicate disputes between entities and between entities and other persons.Advise government on technologies, policy, promotion, investment etc.Ref :- The Coal Regulatory Authority Bill, 2013,Coal Regulatory Authority Bill likely in Winter session24) eWaste (Management and Handling) Act, 2011What is it ?E-waste has beendefined as “waste electrical and electronic equipment, whole or in part or rejects from their manufacturing and repair process, which are intended to be discarded”.AIM :-Reduction in the use of hazardous substances in electrical and electronic equipment.Specifying threshold for use of hazardous material including lead, mercury and cadmium.Ministry of Environment & Forest (MoEF) thus introduces the concept of "Extended Producer Responsibility".How will it work ?It fixes responsibilities on every producer, seller, consumer or bulk consumer, collection centre, dismantler and recycler of e-waste involved in the manufacture, sale, purchase and processing of electrical and electronic equipment or components.E.g. :Recycling of E-Waste generated during manufacturing and "End of Life" of electronic and electrical equipments.Setting up of collection centres by companies or individuals to collect E-waste and discard them.Setting up of funds by corporate to boost scientific and eco-friendly disposal of E-waste.CritiqueNo accountability set on anyone.E-Industry remains skeptical of the efficacy of this act.No specific targets set.Ref :- @E-waste management rules kick in today@Page on moef.nic.in25) Prevention of Communal and Targeted Violence Bill, 2011What is it ?The bill is intended to prevent “any act or series of acts, whether spontaneous or planned, resulting in injury or harm to the person and or property, knowingly directed against any person by virtue of his or her membership of any group."How ?The billAddresses identity-based or targeted crimes and organised mass violence as special offences.Places accountability of public officers with varying penalties for dereliction of duty it.Provides for the creation of a National Authority and the State authorities to ensure justice and reparation.Addresses issues faced by specific communities like economic boycott, denial of public service, forced migration , hostile environment etc.Empowers state and center government to intercept any messages and communication that it feels might lead to communal violence.Sets up district level authorities to assess compensation.CritiquesCurbing freedom of expression by terming it as Hate propaganda.Presumption of guilt and burden of proof on the accused – The accused will have to prove innocence.All the persons acting under this Act will have blanket of protection of action taken in good faith.Brings civil servants in direct line of fire by vaguely defining "dereliction of duty".26) Competition Act, 2002The Competition Act was passed in 2002Competition Commission of India (CCI) was established on March 1, 2009 as an autonomous body comprising of a Chairperson and six members.CCI not only hears and investigates cases based on the information received by it, but it also takes suo moto action wherever it finds that a prima facie violationCommission had taken suo-moto cognizance of the reported manipulation of the bids by manufacturers of LPG cylinders for supplying cylinders to the Indian Oil CorporationMany more such notices have been sent by CCI in the Petroleum sector, Agricuture sector etc. taking cognisance suo-moto.Role of trade associationsCompetition law treats the activities of trade associations much like any other form of cooperation between competitors.decisions or recommendations of trade associations are treated as agreements between its members and law may be breached even when they are not binding on the members.CCI imposed a nominal penalty of Rs. 1 lakh each on 27 film producers on charges of colluding through an association to exploit multiplex owners.number of cases involving the associations in the Pharmaceutical sector/Film production etc where CCI has passed orders against the associations and asked them to “cease and desist” from activities that may be anti-competitive in nature.Public Procurement and Competition LawPublic procurement is a contentious issue vis-à-vis application of competition lawpublic enterprises, which are generally the big procurers, are subject to competition assessment.Commission has decided a number of matters, including cartelization in government contracts. Penalties have been imposed on firms to discourage the anti-competitive practices and abuse of dominanceCompetition Commission of India is set to change the rules of the game and play the role of a watchdog to check anti-competitive practices in the markethttp://echoofindia.com/reflex-action/competition-commission-india-4-years-enforcement-competition-law-3216927) Prasar Bharati (Amendment) Bill, 201028) Prevention of Money Laundering Act, 200229) Prohibition of Employment as Manual Scavengers and their Rehabilitaion Act, 2013. (Important, Swachh Bharat Abhiyan)30) Child Labour (Prohibition) Act, 198631) Scheduled Tribes and Recognition of Forest Rights Bill, 200632) Environment Protection Law, 198633) Wildlife Protection Act, 197234) The Electricity Act, 200335) Panchayat Extension to Scheduled Areas Act, 199636) Securities and Exchange Board of India Act, 199237) Factories Act 1948/Amendment Bill 201438) Apprentice Act 1961/ Amendment Bill 201439) The Pension Fund Regulatory And Development Authority Act, 201340) The Real Estate (Regulation and Development) Bill, 201341) Benami Transaction (Prohibition )Act, 198842) The National Food Security Act, 201343) Pesticides Management Bill, 2008*Maximum Credits per Person - 5000**Contributors earning more than 1000 credits <must> -a) Promote to at least 100 people.b) Share this list everywhere. :P :P LOL !Thank you all. :)Thanks for the A2A Anon. :)