Riegle Community Development and Regulatory Improvement Act of 1994

Summary

TABLE OF CONTENTS: Title I: Regulatory Reform Subtitle A: Amendments Relating to the Federal Deposit Insurance Corporation Improvement Act of 1991 Subtitle B: General Regulatory Reform Subtitle C: Other Regulatory Reform Subtitle D: Reports, Studies, Streamlined Regulatory Requirements Title II: Community Development Financial Institutions Title I: Regulatory Reform - Regulatory Reform Act of 1993 - Subtitle A: Amendments Relating to the Federal Deposit Insurance Corporation Improvement Act of 1991 - Amends the Federal Deposit Insurance Act (FDIA) to: (1) modify holding company audit requirements; (2) increase the asset size of small insured depository institutions eligible for Federal 18-month examination schedules; (3) repeal the mandate that each appropriate Federal banking agency prescribe stock valuation standards for insured depository institutions; (4) exclude depository institution holding companies from the scope of Federal standards for safety and soundness; and (5) direct the Federal Deposit Insurance Corporation to minimize the regulatory burden on insured depository institutions when prescribing reporting requirements. Subtitle B: General Regulatory Reform - Amends the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 to direct the Appraisal Subcommittee to encourage the States to develop reciprocity agreements permitting licensed appraisers in good standing to perform appraisals in sister States. (Sec. 112) Amends the FDIA to: (1) permit certain small changes in agreements for collateralization of public deposits; (2) provide separate insurance for deposits made pursuant to any revocable trust established under the Bank Deposit Financial Assistance Program of the Department of Energy; and (3) mandate that State and Federal regulatory agencies coordinate their examinations and reporting requirements for insured depository institutions. (Sec. 116) Amends the Federal Reserve Act to limit the liability of member banks for deposits made at foreign branches. (Sec. 117) Amends the Bank Holding Company Act of 1956 (BHCA) to provide expedited procedures for forming a bank holding company. Amends specified banking law to: (1) reduce the number of directors of national banking associations which must come from a designated geographical area; and (2) repeal specified obsolete requirements for national banks. Subtitle C: Other Regulatory Reform - Amends the Real Estate Settlement Procedures Act (RESPA) to permit specified disclosures under the Truth in Lending Act to be used in lieu of RESPA disclosure requirements with respect to home equity loans. (Sec. 122) Amends the Housing and Urban Development Act of 1968 to state that creditors shall not be required to provide homeownership debt counseling notification more than once annually. (Sec. 123) Amends RESPA to: (1) modify the disclosure requirements regarding the servicing of federally related mortgage loans; and (2) exempt from its purview extensions of credit for business, commercial, or agricultural purposes and loans to government agencies. (Sec. 125) Amends the Truth in Lending Act, the Truth in Savings Act, and the Truth in Leasing Act to prescribe special disclosure guidelines for radio broadcast advertisements for open end consumer credit plans, specified other credit plans, certain deposits, and consumer leases, including use of a toll-free telephone number. Subtitle D: Reports, Studies, Streamlined Regulatory Requirements - Directs the Secretary of the Treasury to study and report to the Congress on: (1) the impact of the implementation of risk-based capital standards on the domestic economy; and (2) the availability of credit for consumers and small businesses. (Sec. 133) Directs the Board and selected Federal and congressional agencies to study and report to the Congress on the impact (including budgetary impact) of the payment of interest on the sterile reserves of insured depository institutions. (Sec. 134) Directs Federal banking agencies to: (1) review, streamline, and make uniform regulatory requirements, and report jointly to the Congress; (2) work jointly to simplify and make uniform the financial status reports required of the banking industry; (3) consider the burden upon such industry of additional regulatory requirements; (4) eliminate duplicative filings; and (5) jointly review and revise (if necessary) the manner in which recourse loans are treated under capital standards and other accounting principles. (Sec. 139) Amends the FDIA to cite conditions under which banking agencies shall not be required to submit antitrust reports in connection with bank merger transactions. (Sec. 140) Amends selected Federal banking laws and the Home Owners' Loan Act to modify the guidelines under which a national banking association or Federal savings association may purchase for its own account shares of stock owned exclusively by depository institution holding companies functioning as bankers' banks. (Sec. 141) Amends the FDIA to apply Federal due process protections to the prejudgment attachment of assets of a depository institution whose insured status has been terminated, without regard to the requirement that the applicant show irreparable and immediate injury or loss. Title II: Community Development Financial Institutions - Community Development Banking and Financial Institutions Act of 1993 - Establishes the Community Development Banking and Financial Institutions Fund as a wholly-owned government corporation to: (1) provide financial and technical assistance, including training, to community development financial institutions; and (2) establish a national information clearinghouse. Requires the Fund to submit to the President an annual status report and specified studies. (Sec. 212) Authorizes appropriations.

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Timeline

1. 9 November 1993

   Introduced

   Referred to the House Committee on Banking, Finance + Urban Affrs.

   Source: IntroReferral

2. 9 November 1993

   Introduced

   Introduced in House

   Source: IntroReferral

3. 9 November 1993

   Introduced

   Introduced in House

   Source: IntroReferral

4. 10 November 1993

   Reported

   Ordered to be Reported by Voice Vote.

   Source: Committee

5. 10 November 1993

   Committee

   Committee Consideration and Mark-up Session Held.

   Source: Committee

6. 21 November 1993

   Passed

   On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.

   Source: Floor

7. 21 November 1993

   Passed

   Motion to reconsider laid on the table Agreed to without objection.

   Source: Floor

8. 21 November 1993

   Floor

   Considered under suspension of the rules. (consideration: CR H10500-10524)

   Source: Floor

9. 21 November 1993

   Floor

   Mr. Gonzalez moved to suspend the rules and pass the bill, as amended.

   Source: Floor

10. 21 November 1993

    Passed

    Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.

    Source: Floor

11. 21 November 1993

    Floor

    DEBATE - The House proceeded with forty minutes of debate.

    Source: Floor

12. 22 November 1993

    Introduced

    Received in the Senate.

    Source: IntroReferral

13. 24 November 1993

    Introduced

    Read twice and referred to the Committee on Banking.

    Source: IntroReferral

14. 7 February 1994

    Introduced

    Sponsor introductory remarks on measure. (CR H294)

    Source: IntroReferral

15. 17 March 1994

    ResolvingDifferences

    Senate insisted on its amendment, requested a conference.

    Source: ResolvingDifferences

16. 17 March 1994

    Floor

    Measure laid before Senate by unanimous consent. (consideration: CR S3179-3180)

    Source: Floor

17. 17 March 1994

    Passed

    Passed/agreed to in Senate: Passed Senate in lieu of S. 1275 with an amendment by Unanimous Consent.

    Source: Floor

18. 17 March 1994

    Discharge

    Senate Committee on Banking discharged by Unanimous Consent.

    Source: Discharge

19. 17 March 1994

    Committee

    Senate Committee on Banking discharged by Unanimous Consent.

    Source: Committee

20. 22 March 1994

    ResolvingDifferences

    Senate appointed conferees Riegle; Sarbanes; Dodd; D'Amato; Gramm.

    Source: ResolvingDifferences

21. 23 March 1994

    Floor

    Message on Senate action sent to the House.

    Source: Floor

22. 21 April 1994

    ResolvingDifferences

    The Speaker appointed conferees - from the Committee on Banking, Finance and Urban Affairs for consideration of the House bill, and the Senate amendment (except titles II and V), and modifications committed to conference: Gonzalez, Neal (NC), LaFalce, Vento, Schumer, Frank (MA), Kanjorski, Kennedy, Flake, Mfume, Waters, LaRocco, Orton, Bacchus (FL), Leach, McCollum, Roukema, Bereuter, Ridge, Roth, McCandless, Baker (LA), and Nussle.

    Source: ResolvingDifferences

23. 21 April 1994

    Passed

    On motion that the House disagree to the Senate amendment, and agree to a conference Agreed to without objection.

    Source: ResolvingDifferences

24. 21 April 1994

    ResolvingDifferences

    Mr. Gonzalez asked unanimous consent that the House disagree to the Senate amendment, and agree to a conference.

    Source: ResolvingDifferences

25. 23 May 1994

    Floor

    The Speaker appointed conferees: Provided, that for consideration of title VI of the Senate amendment, Mr. Lazio is appointed in lieu of Mr. Ridge.

    Source: Floor

26. 24 May 1994

    ResolvingDifferences

    Senate appointed conferees Moynihan; Baucus; Packwood by unanimous consent from the Committee on Finance for matters solely within the Committee's jurisdiction, including Sections 209, 210 and 408 of the Senate Amendment.

    Source: ResolvingDifferences

27. 25 May 1994

    Floor

    Message on Senate action sent to the House.

    Source: Floor

28. 19 July 1994

    ResolvingDifferences

    Conference held.

    Source: ResolvingDifferences

29. 19 July 1994

    ResolvingDifferences

    Conference committee actions: Conference held.

    Source: ResolvingDifferences

30. 22 July 1994

    ResolvingDifferences

    Conference held.

    Source: ResolvingDifferences

31. 22 July 1994

    ResolvingDifferences

    Conference committee actions: Conference held.

    Source: ResolvingDifferences

32. 25 July 1994

    Passed

    Conferees agreed to file conference report.

    Source: ResolvingDifferences

33. 25 July 1994

    Passed

    Conference committee actions: Conferees agreed to file conference report.

    Source: ResolvingDifferences

34. 2 August 1994

    ResolvingDifferences

    Conference report H. Rept. 103-652 filed. Filed late, pursuant to previous special order. (text of conference report: CR H6642-6697)

    Source: ResolvingDifferences

35. 2 August 1994

    ResolvingDifferences

    Conference report filed: Conference report H. Rept. 103-652 filed. Filed late, pursuant to previous special order.(text of conference report: CR H6642-6697)

    Source: ResolvingDifferences

36. 2 August 1994

    Passed

    Mr. Gonzalez asked unanimous consent that managers on the part of the House have until midnight on Aug. 2 to file a conference report on H.R. 3474. Agreed to without objection.

    Source: Committee

37. 3 August 1994

    Reported

    Rules Committee Resolution H. Res. 506 Reported to House. Rule provides for consideration of the conference report to H.R. 3474. Waiving all points of order against the conference report and against its consideration.

    Source: Floor

38. 3 August 1994

    ResolvingDifferences

    Conference papers: Senate report and managers' statement held at the desk in Senate.

    Source: ResolvingDifferences

39. 4 August 1994

    ResolvingDifferences

    Conference papers: message on House action held at the desk in Senate.

    Source: ResolvingDifferences

40. 4 August 1994

    Vote

    On agreeing to the conference report Agreed to by the Yeas and Nays: 410 - 12, 2 Present (Roll no. 375). (consideration: CR H6782-6797)

    Source: ResolvingDifferences

41. 4 August 1994

    Passed

    Motions to reconsider laid on the table Agreed to without objection.

    Source: ResolvingDifferences

42. 4 August 1994

    Vote

    Conference report agreed to in House: On agreeing to the conference report Agreed to by the Yeas and Nays: 410 - 12, 2 Present (Roll no. 375).(consideration: CR H6782-6797)

    Source: ResolvingDifferences

43. 4 August 1994

    ResolvingDifferences

    The previous question was ordered without objection.

    Source: ResolvingDifferences

44. 4 August 1994

    Floor

    DEBATE - The House proceeded with one hour of debate on the conference report.

    Source: Floor

45. 4 August 1994

    ResolvingDifferences

    Mr. Neal (NC) brought up conference report H. Rept. 103-652 for consideration under the provisions of H. Res. 506.

    Source: ResolvingDifferences

46. 4 August 1994

    Passed

    Rule H. Res. 506 passed House.

    Source: Floor

47. 9 August 1994

    Passed

    Senate agreed to conference report by Voice Vote. (consideration: CR S11039-11043)

    Source: ResolvingDifferences

48. 9 August 1994

    Passed

    Conference report agreed to in Senate: Senate agreed to conference report by Voice Vote.(consideration: CR S11039-11043)

    Source: ResolvingDifferences

49. 10 August 1994

    Floor

    Message on Senate action sent to the House.

    Source: Floor

50. 13 September 1994

    Floor

    Presented to President.

    Source: Floor

51. 13 September 1994

    President

    Presented to President.

    Source: President

52. 23 September 1994

    Became law

    Became Public Law No: 103-325.

    Source: President

53. 23 September 1994

    Became law

    Signed by President.

    Source: BecameLaw

54. 23 September 1994

    President

    Signed by President.

    Source: President

Votes

No vote records are attached yet.

Versions

• Enrolled Bill · 9 August 1994 · Download file
• Engrossed Amendment Senate · 17 March 1994 · Download file
• Referred in Senate · 24 November 1993 · Download file
• Engrossed in House · 21 November 1993 · Download file
• Introduced in House · 9 November 1993 · Download file

Documents

15 official files

• Public Law (PDF)

  Public Law · EN · 24 September 1994

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• Enrolled Bill (text)

  Enrolled Bill · EN · 9 August 1994

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• Enrolled Bill (PDF)

  Enrolled Bill · EN · 9 August 1994

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• Conference report filed in House

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  Vertaal document

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• Engrossed Amendment Senate (text)

  Engrossed Amendment Senate · EN · 17 March 1994

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• Engrossed Amendment Senate (PDF)

  Engrossed Amendment Senate · EN · 17 March 1994

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• Passed Senate amended

  summary · EN · 17 March 1994

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  Vertaal document

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• Referred in Senate (text)

  Referred in Senate · EN · 24 November 1993

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  Vertaal document

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• Referred in Senate (PDF)

  Referred in Senate · EN · 24 November 1993

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• Engrossed in House (text)

  Engrossed in House · EN · 21 November 1993

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• Engrossed in House (PDF)

  Engrossed in House · EN · 21 November 1993

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• Passed House amended

  summary · EN · 21 November 1993

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• Introduced in House (text)

  Introduced in House · EN · 9 November 1993

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• Introduced in House (PDF)

  Introduced in House · EN · 9 November 1993

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  Vertaal document

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• Introduced in House

  summary · EN · 9 November 1993

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Sponsors

• Rep. Gonzalez, Henry B. [D-TX-20] · D · Sponsor
• Rep. Pomeroy, Earl [D-ND-At Large] · D · Cosponsor
• Rep. Strickland, Ted [D-OH-6] · D · Cosponsor
• · hsju00 · Standing
• · ssbk00 · Standing
• · hsba00 · Standing

Related records

• related to → Community Development Banking and Financial Institutions Act of 1993
• related to → Bank Enterprise Act Amendments of 1993
• related to → Waiving points of order against the conference report to accompany the bill (H.R. 3474) to reduce administrative requirements for insured depository institutions to the extent consistent with safe and sound banking practices, to facilitate the establishment of community development financial institutions, and for other purposes.
• related to ← Community Development Banking and Financial Institutions Act of 1994

Related across the Repo ecosystem

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