United States · Law · HR
H.R. 3841 (103rd)
Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994
Introduced
10 February 1994
Last action
29 September 1994 · President
Status
Became Public Law No: 103-328.
Sponsors
Rep. Neal, Stephen L. [D-NC-5], Rep. McCollum, Bill [R-FL-8], Rep. LaFalce, John J. [D-NY-29], Rep. Vento, Bruce F. [D-MN-4], Sen. Schumer, Charles E. [D-NY], Rep. Frank, Barney [D-MA-4], Rep. Kanjorski, Paul E. [D-PA-11], Rep. Kennedy, Joseph P., II [D-MA-8], Rep. Flake, Floyd H. [D-NY-6], Rep. Mfume, Kweisi [D-MD-7], Rep. LaRocco, Larry [D-ID-1], Rep. Orton, Bill [D-UT-3], Rep. Klein, Herbert C. [D-NJ-8], Rep. Maloney, Carolyn B. [D-NY-12], Rep. Pryce, Deborah [R-OH-15], Rep. Linder, John [R-GA-7], Rep. Lazio, Rick [R-NY-2], Rep. Bachus, Spencer [R-AL-6], Rep. Roukema, Marge [R-NJ-5], Rep. McCandless, Alfred A. (Al) [R-CA-44], Rep. King, Peter T. [R-NY-2], Rep. Hinchey, Maurice D. [D-NY-22]
Subjects
Discovery layer
Source updated
14 January 2025
Summary
TABLE OF CONTENTS: Title I: Interstate Banking and Branching Title II: CRA Evaluations Interstate Banking Efficiency Act of 1994 - Title I: Interstate Banking and Branching - Amends the Bank Holding Company Act of 1956 to prescribe guidelines under which the Federal Reserve Board may approve applications by bank holding companies to acquire voting shares or interests in additional insured depository institutions or banking holding companies located in any State (State law to the contrary notwithstanding). Amends Federal banking law to prescribe guidelines under which the Comptroller of the Currency may approve applications by adequately capitalized and adequately managed national banks to acquire and operate interstate branches. Authorizes the States, by a specified deadline, to: (1) either permit or prohibit interstate branching by national or State banks; and (2) set conditions upon such branching. Amends the Federal Deposit Insurance Act (FDIA) to: (1) prohibit a State nonmember insured bank from establishing and operating any new domestic branch or foreign branch without the prior written consent of the Federal Deposit Insurance Corporation (FDIC); and (2) set forth parameters within which adequately managed insured State banks may engage in interstate branching. Permits the States to coordinate their bank examination and regulatory activities. Amends the International Banking Act of 1978 to prescribe guidelines under which foreign banks may establish interstate banking operations. Amends the FDIA to authorize the interstate consolidation or merger of bank holding company subsidiary banks, subject to prescribed guidelines. Conditions approval of such consolidation upon submission by the applicant of a plan for meeting the credit needs of the local communities served by the merger. Requires Federal banking regulatory agencies to prescribe regulations which: (1) prohibit any person from engaging in interstate branching primarily for the purpose of deposit production; (2) include guidelines to ensure that each interstate branch meets the credit needs of its local community and market area; and (3) restrict the ratio of out-of-State loans by interstate branches. Title II: CRA Evaluations - Amends the Community Reinvestment Act of 1977 to require the appropriate Federal financial supervisory agency to prepare written State-by-State evaluations of the performance records of financial institutions with interstate branches.
This text is taken from the official record. PoliticalRepo does not editorialize.
Timeline
10 February 1994
Introduced
Referred to the House Committee on Banking, Finance + Urban Affrs.
Source: IntroReferral
10 February 1994
Introduced
Introduced in House
Source: IntroReferral
10 February 1994
Introduced
Introduced in House
Source: IntroReferral
9 March 1994
Vote
Ordered to be Reported (Amended) by the Yeas and Nays: 50 - 1.
Source: Committee
9 March 1994
Committee
Committee Consideration and Mark-up Session Held.
Source: Committee
22 March 1994
Passed
Motion to reconsider laid on the table Agreed to without objection.
Source: Floor
22 March 1994
Passed
On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.
Source: Floor
22 March 1994
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
22 March 1994
Floor
DEBATE - The House proceeded with forty minutes of debate.
Source: Floor
22 March 1994
Floor
Considered under suspension of the rules. (consideration: CR H1851-1865)
Source: Floor
22 March 1994
Floor
Mr. Neal (NC) moved to suspend the rules and pass the bill, as amended.
Source: Floor
22 March 1994
Calendars
Placed on the Union Calendar, Calendar No. 248.
Source: Calendars
22 March 1994
Reported
Reported (Amended) by the Committee on Banking, Finance + Urban Affrs. H. Rept. 103-448.
Source: Committee
22 March 1994
Reported
Reported (Amended) by the Committee on Banking, Finance + Urban Affrs. H. Rept. 103-448.
Source: Committee
23 March 1994
Introduced
Received in the Senate and read twice and referred to the Committee on Banking.
Source: IntroReferral
26 April 1994
ResolvingDifferences
Senate insisted on its amendment, requested a conference. (consideration: CR S4827)
Source: ResolvingDifferences
26 April 1994
Floor
Measure laid before Senate. (consideration: CR S4821-4827)
Source: Floor
26 April 1994
Passed
Passed/agreed to in Senate: Passed Senate with an amendment by Voice Vote.
Source: Floor
26 April 1994
Discharge
Senate Committee on Banking discharged by Unanimous Consent.
Source: Discharge
26 April 1994
Committee
Senate Committee on Banking discharged by Unanimous Consent.
Source: Committee
9 May 1994
ResolvingDifferences
Senate appointed conferees Riegle; Sarbanes; Dodd; Sasser; D'Amato; Gramm; Roth.
Source: ResolvingDifferences
10 May 1994
Floor
Message on Senate action sent to the House.
Source: Floor
12 May 1994
Passed
Motion to reconsider laid on the table Agreed to without objection.
Source: ResolvingDifferences
12 May 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, and modifications committed to conference: Gonzalez, Neal (NC), LaFalce, Vento, Schumer, Frank (MA), Kanjorski, Kennedy, Leach, McCollum, Roukema, Bereuter, and Ridge.
Source: ResolvingDifferences
12 May 1994
Passed
On motion that the House disagree to the Senate amendment, and agree to a conference Agreed to without objection.
Source: ResolvingDifferences
12 May 1994
ResolvingDifferences
Mr. Gonzalez asked unanimous consent that the House disagree to the Senate amendment, and agree to a conference. (consideration: CR H3305)
Source: ResolvingDifferences
26 May 1994
Floor
CONFERENCE APPOINTMENT, H.R. 3841 - By unanimous consent, the Chair appointed Mr. Mazzoli from Kentucky to serve in lieu of Mr. Brooks from Texas as a manager on the part of the House at the conference on the disagreeing votes of the two Houses on H.R. 3841.
Source: Floor
19 July 1994
ResolvingDifferences
Conference held.
Source: ResolvingDifferences
19 July 1994
ResolvingDifferences
Conference committee actions: Conference held.
Source: ResolvingDifferences
22 July 1994
ResolvingDifferences
Conference held.
Source: ResolvingDifferences
22 July 1994
ResolvingDifferences
Conference committee actions: Conference held.
Source: ResolvingDifferences
25 July 1994
Passed
Conferees agreed to file conference report.
Source: ResolvingDifferences
25 July 1994
Passed
Conference committee actions: Conferees agreed to file conference report.
Source: ResolvingDifferences
2 August 1994
ResolvingDifferences
Conference report H. Rept. 103-651 filed. Filed late, pursuant to previous special order. (text of conference report: CR H6698)
Source: ResolvingDifferences
2 August 1994
ResolvingDifferences
Conference report filed: Conference report H. Rept. 103-651 filed. Filed late, pursuant to previous special order.(text of conference report: CR H6698)
Source: ResolvingDifferences
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. 3841. Agreed to without objection.
Source: Committee
3 August 1994
Reported
Rules Committee Resolution H. Res. 505 Reported to House. Rule provides for consideration of the conference report to H.R. 3841. Waiving all points of order against the conference report and against its consideration.
Source: Floor
3 August 1994
ResolvingDifferences
Conference papers: Senate report and managers' statement held at the desk in Senate.
Source: ResolvingDifferences
4 August 1994
Passed
Motion to reconsider laid on the table Agreed to without objection.
Source: ResolvingDifferences
4 August 1994
ResolvingDifferences
The previous question was ordered without objection.
Source: ResolvingDifferences
4 August 1994
Floor
DEBATE - The House proceeded with one hour of debate on the conference report.
Source: Floor
4 August 1994
ResolvingDifferences
Conference papers: message on House action held at the desk in Senate.
Source: ResolvingDifferences
4 August 1994
Passed
On agreeing to the conference report Agreed to by voice vote. (consideration: CR H6774-6782)
Source: ResolvingDifferences
4 August 1994
Passed
Motions to reconsider laid on the table Agreed to without objection.
Source: ResolvingDifferences
4 August 1994
Passed
Conference report agreed to in House: On agreeing to the conference report Agreed to by voice vote.(consideration: CR H6774-6782)
Source: ResolvingDifferences
4 August 1994
ResolvingDifferences
Mr. Neal (NC) brought up conference report H. Rept. 103-651 for consideration under the provisions of H. Res. 505.
Source: ResolvingDifferences
4 August 1994
Passed
Rule H. Res. 505 passed House.
Source: Floor
12 September 1994
Floor
Motion to proceed to consideration of measure made in Senate. (consideration: CR S12714)
Source: Floor
13 September 1994
Vote
Senate agreed to conference report by Yea-Nay Vote. 94-4. Record Vote No: 298. (consideration: CR S12790)
Source: ResolvingDifferences
13 September 1994
Vote
Conference report agreed to in Senate: Senate agreed to conference report by Yea-Nay Vote. 94-4. Record Vote No: 298.(consideration: CR S12790)
Source: ResolvingDifferences
13 September 1994
Vote
Motion to proceed to consideration of measure agreed to in Senate by Yea-Nay Vote. 97-1. Record Vote No: 296. (consideration: CR S12768)
Source: Floor
14 September 1994
Floor
Message on Senate action sent to the House.
Source: Floor
21 September 1994
Floor
Presented to President.
Source: Floor
21 September 1994
President
Presented to President.
Source: President
29 September 1994
Became law
Became Public Law No: 103-328.
Source: President
29 September 1994
Became law
Signed by President.
Source: BecameLaw
29 September 1994
President
Signed by President.
Source: President
Votes
13 September 1994 · Conference Report Agreed to · On the Conference Report H.R. 3841 · Conference Report Agreed to · Official source
Yes 94 · No 4 · Abstain — · Absent/not voting 2
- Sen. Simpson, Alan K. [R-WY]Yea
- Sen. D'Amato, Alfonse [R-NY]Yea
- Sen. Specter, Arlen [R-PA]Yea
- Sen. Boxer, Barbara [D-CA]Yea
Showing the first 4 recorded positions. Vote totals above are complete.
13 September 1994 · Motion to Proceed Agreed to · On the Motion to Proceed H.R. 3841 · Motion to Proceed Agreed to · Official source
Yes 97 · No 1 · Abstain — · Absent/not voting 2
- Sen. Simpson, Alan K. [R-WY]Yea
- Sen. D'Amato, Alfonse [R-NY]Yea
- Sen. Specter, Arlen [R-PA]Yea
- Sen. Boxer, Barbara [D-CA]Yea
Showing the first 4 recorded positions. Vote totals above are complete.
Versions
- Enrolled Bill · 13 September 1994 · Download file
- Engrossed Amendment Senate · 26 April 1994 · Download file
- Referred in Senate · 23 March 1994 · Download file
- Reported in House · 22 March 1994 · Download file
- Engrossed in House · 22 March 1994 · Download file
- Introduced in House · 10 February 1994 · Download file
Documents
17 official files
Public Law (PDF)
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Leesvertaling
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Public Law (PDF)
Public Law · EN · 30 September 1994
Enrolled Bill (text)
Enrolled Bill · EN · 13 September 1994
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Enrolled Bill (PDF)
Enrolled Bill · EN · 13 September 1994
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Conference report filed in House
summary · EN · 2 August 1994
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Engrossed Amendment Senate (text)
Engrossed Amendment Senate · EN · 26 April 1994
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Engrossed Amendment Senate (PDF)
Engrossed Amendment Senate · EN · 26 April 1994
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Passed Senate amended
summary · EN · 26 April 1994
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Referred in Senate (text)
Referred in Senate · EN · 23 March 1994
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Referred in Senate (PDF)
Referred in Senate · EN · 23 March 1994
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Engrossed in House (text)
Engrossed in House · EN · 22 March 1994
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Engrossed in House (PDF)
Engrossed in House · EN · 22 March 1994
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Reported in House (text)
Reported in House · EN · 22 March 1994
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Reported in House (PDF)
Reported in House · EN · 22 March 1994
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Passed House amended
summary · EN · 22 March 1994
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Introduced in House (text)
Introduced in House · EN · 10 February 1994
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Introduced in House (PDF)
Introduced in House · EN · 10 February 1994
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Introduced in House
summary · EN · 10 February 1994
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Sponsors
- Rep. Neal, Stephen L. [D-NC-5] · D · Sponsor
- Rep. McCollum, Bill [R-FL-8] · R · Sponsor
- Rep. LaFalce, John J. [D-NY-29] · D · Sponsor
- Rep. Vento, Bruce F. [D-MN-4] · D · Sponsor
- Sen. Schumer, Charles E. [D-NY] · D · Sponsor
- Rep. Frank, Barney [D-MA-4] · D · Sponsor
- Rep. Kanjorski, Paul E. [D-PA-11] · D · Sponsor
- Rep. Kennedy, Joseph P., II [D-MA-8] · D · Sponsor
- Rep. Flake, Floyd H. [D-NY-6] · D · Sponsor
- Rep. Mfume, Kweisi [D-MD-7] · D · Sponsor
- Rep. LaRocco, Larry [D-ID-1] · D · Sponsor
- Rep. Orton, Bill [D-UT-3] · D · Sponsor
- Rep. Klein, Herbert C. [D-NJ-8] · D · Sponsor
- Rep. Maloney, Carolyn B. [D-NY-12] · D · Sponsor
- Rep. Pryce, Deborah [R-OH-15] · R · Sponsor
- Rep. Linder, John [R-GA-7] · R · Sponsor
- Rep. Lazio, Rick [R-NY-2] · R · Sponsor
- Rep. Bachus, Spencer [R-AL-6] · R · Sponsor
- Rep. Roukema, Marge [R-NJ-5] · R · Sponsor
- Rep. McCandless, Alfred A. (Al) [R-CA-44] · R · Sponsor
- Rep. King, Peter T. [R-NY-2] · R · Sponsor
- Rep. Hinchey, Maurice D. [D-NY-22] · D · Cosponsor
- · hsju00 · Standing
- · ssbk00 · Standing
- · hsba00 · Standing
Related records
- related to → Waiving points of order against the conference report to accompany the bill (H.R. 3841) to amend the Bank Holding Company Act of 1956, the Revised Statutes of the United States, and the Federal Deposit Insurance Act to provide for interstate banking and branching.
- related to ← Interstate Banking and Branching Act of 1994
- related to ← A bill to amend the Mount Rushmore commemorative Coin Act to allow proceeds from the sale of coins to be used to renovate the Mount Rushmore National Memorial.
Related across the Repo ecosystem
Direct relationships are identifier-backed. Topic context means shared TopicMembership — not a citation and not causation.
Direct relationships
- Legal framework · Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 · H.R. 3841 (103rd) · US
- Identifier matchPROJECTS_FROM
Same us record 103-hr-3841 projected from PoliticalRepo US row.
Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994
Sources
PoliticalRepo is an index and interpretation layer, not the authoritative legal source.
- Official source: https://www.congress.gov/bill/103rd-congress/house-bill/3841
- Open data entity: https://api.congress.gov/v3/bill/103/hr/3841
- us · 103-hr-3841 · source updated 14 January 2025