legislation
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35 rows where bill_type = "s", congress = 105 and policy_area = "Finance and Financial Sector" sorted by introduced_date descending
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| bill_id | congress | bill_type | bill_number | title | policy_area | introduced_date ▲ | latest_action_date | latest_action_text | origin_chamber | sponsor_name | sponsor_state | sponsor_party | sponsor_bioguide_id | cosponsor_count | summary_text | update_date | url |
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| 105-s-2590 | 105 | s | 2590 | Financial Services Act of 1998 | Finance and Financial Sector | 1998-10-08 | 1998-10-08 | Read twice and referred to the Committee on Banking. | Senate | Sen. Faircloth, Lauch [R-NC] | NC | R | F000437 | 2 | TABLE OF CONTENTS: Title I: Facilitating Affiliation Among Securities Firms, Insurance Companies, and Depository Institutions Subtitle A: Affiliations Subtitle B: Streamlining Supervision of Financial Holding Companies Subtitle C: Subsidiaries of National Banks Subtitle E (sic): Preservation of FTC Authority Subtitle F: Applying the Principles of National Treatment and Equality of Competitive Opportunity to Foreign Banks and Foreign Financial Institutions Subtitle G: Federal Home Loan Bank System Modernization Subtitle H: Direct Activities of Banks Subtitle I: Deposit Insurance Funds Subtitle J: Effective Date of Title Title II: Functional Regulation Subtitle A: Brokers and Dealers Subtitle B: Bank Investment Company Activities Subtitle C: Securities and Exchange Commission Supervision of Investment Bank Holding Companies Subtitle D: Studies Title III: Insurance Subtitle A: State Regulation of Insurance Subtitle B: National Association of Registered Agents and Brokers Title IV: Unitary Savings and Loan Holding Companies Title V: Financial Information Privacy Title VI: Miscellaneous Financial Services Act of 1998 - Title I: Facilitating Affiliation Among Securities Firms, Insurance Companies, and Depository Institutions - Subtitle A: Affiliations - Amends the Banking Act of 1933 (Glass-Steagall Act) to repeal the prohibitions: (1) against affiliation of any Federal Reserve member bank with an entity engaged principally in securities activities (securities affiliate); and (2) against simultaneous service by any officer, director, or employee of a securities firm as an officer, director, or employee of any member bank (interlocking directorates). (Sec. 102) Amends the Bank Holding Company Act of 1956 (BHCA) to exempt from its prohibi… | 2025-08-21T16:14:52Z | https://www.congress.gov/bill/105th-congress/senate-bill/2590 |
| 105-s-2561 | 105 | s | 2561 | Consumer Reporting Employment Clarification Act of 1998 | Finance and Financial Sector | 1998-10-06 | 1998-11-02 | Became Public Law No: 105-347. | Senate | Sen. Nickles, Don [R-OK] | OK | R | N000102 | 1 | Consumer Reporting Employment Clarification Act of 1998 - Amends the Fair Credit Reporting Act to allow notice and consent requirements (regarding procurement of a consumer report for employment purposes) to be handled by oral, written, or electronic means when: (1) the consumer involved applies for certan motor carrier employment positions regulated by the Secretary of Transportation or a State transportation agency; and (2) the only interaction at that point between the applicant and the report procurer has been by such means. Allows such means to be used in those circumstances when an adverse action is taken based on the report. (Sec. 3) Allows a consumer reporting agency to furnish such a report only if the agency meets certain requirements, including providing with the report, or having previously provided, a summary (currently, providing with the report a summary) of the consumer's rights. (Sec. 4) Provides national security exemptions for a consumer reporting agency from requirements to disclose to a consumer: (1) the identity of each person that procured a report on that consumer; and (2) that public record information was reported that is likely to have an adverse effect on a consumer's ability to obtain employment. (Sec. 5) Prohibits a consumer reporting agency from reporting on civil suits, civil judgments, and arrest records (currently, reporting on suits and judgments) that are more that seven years before the report or until the governing statute of limitations has expired, whichever is longer. Removes provisions prohibiting the reporting of certain criminal matters more than seven years before the report. Exempts records of criminal convictions from the general prohibition of reporting matters over seven years old. | 2025-01-02T17:56:25Z | https://www.congress.gov/bill/105th-congress/senate-bill/2561 |
| 105-s-2544 | 105 | s | 2544 | Homeownership and Community Development Act of 1998 | Finance and Financial Sector | 1998-10-02 | 1998-10-02 | Read twice and referred to the Committee on Banking. | Senate | Sen. Faircloth, Lauch [R-NC] | NC | R | F000437 | 0 | Homeownership and Community Development Act of 1998 - Amends the Federal Home Loan Bank Act to make community development institutions eligible nonmember borrowers from the Federal home loan bank system. | 2025-08-21T16:14:51Z | https://www.congress.gov/bill/105th-congress/senate-bill/2544 |
| 105-s-2433 | 105 | s | 2433 | Financial Information Privacy Act | Finance and Financial Sector | 1998-09-02 | 1998-09-02 | Read twice and referred to the Committee on Banking. | Senate | Sen. D'Amato, Alfonse [R-NY] | NY | R | D000018 | 3 | Financial Information Privacy Act - Amends the Consumer Credit Protection Act to: (1) specify the types of enterprises constituting a financial institution within its purview; and (2) authorize the Board of Governors of the Federal Reserve System to prescribe regulations clarifying or describing the types of institutions which shall be treated as financial institutions for purposes of this Act. Declares it a violation of this Act to obtain or disclose under false pretenses customer information of a financial institution. Grants the Federal Trade Commission (FTC), certain banking regulatory agencies, and the States enforcement powers under this Act. Subjects violations of this Act to civil liability for damages and Federal criminal penalties. Requires each Federal banking agency to issue advisories to depository institutions within its purview in order to assist in deterring and detecting the acts proscribed by this Act. Requires the Comptroller General to report to the Congress on: (1) the efficacy and adequacy of the remedies provided in this Act; and (2) recommendations for additional action to address threats to the privacy of financial information. | 2025-08-21T16:11:37Z | https://www.congress.gov/bill/105th-congress/senate-bill/2433 |
| 105-s-2375 | 105 | s | 2375 | International Anti-Bribery and Fair Competition Act of 1998 | Finance and Financial Sector | 1998-07-30 | 1998-11-10 | Became Public Law No: 105-366. | Senate | Sen. D'Amato, Alfonse [R-NY] | NY | R | D000018 | 0 | International Anti-Bribery and Fair Competition Act of 1998 - Revises the Securities Exchange Act of 1934 and the Foreign Corrupt Practices Act of 1977 to prohibit conduct intended to secure improper advantages from foreign officials by: (1) issuers of securities; (2) officials of international organizations; and (3) domestic concerns. (Sec. 2) Redefines "foreign official" to include an official of a public international organization. Defines such an organization as either one designated by Executive order pursuant to the International Organizations Immunities Act, or any other international organization designated by Executive order of the President. (Sec. 3) Declares that it is unlawful for any issuer organized under the laws of the United States (or any U.S. person acting on the issuer's behalf) to corruptly do specified prohibited acts outside of the United States. (Sec. 4) Amends the Foreign Corrupt Practices Act of 1977 to proscribe specified foreign trade practices by a covered person (or any officer, director, employee, agent, or stockholder thereof) while in United States territory. Sets forth affirmative defenses to enforcement actions. Authorizes the Attorney General to bring a civil action in Federal district court to enjoin such proscribed actions. Prescribes civil and criminal penalties for violations of this Act. (Sec. 5) Declares that, for purposes of the Securities Exchange Act of 1934 and the Foreign Corrupt Practices Act of 1977, an international organization providing commercial communications services shall be treated as a public international organization until the President certifies to certain congressional committees that it has achieved a privatization consistent with Federal policy of obtaining full and open competition, and nondiscriminatory market access in the provision of satellite services (pro-competitive privatization). Prohibits such certification from being construed to affect Federal Communications Commission authorization of services to, from, or within the United States o… | 2025-04-07T15:32:26Z | https://www.congress.gov/bill/105th-congress/senate-bill/2375 |
| 105-s-2270 | 105 | s | 2270 | Bank Insurance Fund Rebate Act of 1998 | Finance and Financial Sector | 1998-07-07 | 1998-07-07 | Read twice and referred to the Committee on Banking. | Senate | Sen. Faircloth, Lauch [R-NC] | NC | R | F000437 | 0 | Bank Insurance Fund Rebate Act of 1998 - Amends the Federal Deposit Insurance Act governing refunds of assessments imposed upon insured depository institutions to provide that a refund for any semiannual assessment period may exceed that of the previous period if the amount of actual deposit insurance fund reserves exceeds a ratio of 1.5 percent. | 2025-08-21T16:11:27Z | https://www.congress.gov/bill/105th-congress/senate-bill/2270 |
| 105-s-2165 | 105 | s | 2165 | Money Laundering Deterrence Act of 1998 | Finance and Financial Sector | 1998-06-11 | 1998-06-11 | Read twice and referred to the Committee on Banking. | Senate | Sen. Grassley, Chuck [R-IA] | IA | R | G000386 | 1 | Money Laundering Deterrence Act of 1998 - Revises Federal law to expand the scope of immunity from civil liability for disclosures of suspicious monetary transactions made by: (1) a financial institution and any of its directors, officers, employees, or agents to an appropriate governmental agency; or (2) an independent accountant who audits a financial institution. Extends such immunity to any failure to notify either the subject of such disclosure, or any other person identified in it. (Sec. 3) Prohibits notification of such disclosures or their contents: (1) to any person involved in the suspect transaction; or (2) by any government staff to other government agencies. Exempts from such prohibition any use of related information by government officers in the conduct of either official duties or law enforcement, regulatory, or investigative proceedings. States that written employment references submitted by a financial institution to another upon request may disclose information concerning possible involvement in suspicious transactions relevant to possible illegalities. Shields from civil liability any financial institution and its directors, officers, employees, and agents for any such disclosures. Authorizes the Secretary to disseminate information contained in such reports to certain self-regulatory organizations subject to the Securities Exchange Act of 1934, if the Securities and Exchange Commission determines it is necessary or appropriate for such organizations' statutory functions. (Sec. 4) Authorizes the Secretary to summon financial institution records in connection with examinations to determine compliance with designated statutory requirements. (Sec. 5) Provides for civil and criminal penalties for violations of orders the Secretary of the Treasury may issue to a financial institution or group of financial institutions in a geographic area (geographic targeting orders). Increases civil and criminal penalties for violations of specified recordkeeping requirements. Amends the Federal Deposit Ins… | 2025-08-21T16:14:40Z | https://www.congress.gov/bill/105th-congress/senate-bill/2165 |
| 105-s-2153 | 105 | s | 2153 | Federal Reserve Fiscal Accountability Act of 1998 | Finance and Financial Sector | 1998-06-10 | 1998-06-10 | Read twice and referred to the Committee on Banking. | Senate | Sen. Dorgan, Byron L. [D-ND] | ND | D | D000432 | 1 | Federal Reserve Fiscal Accountability Act of 1998 - Directs the Comptroller General to identify and report to the Congress on those functions and activities of the Board of Governors of the Federal Reserve System (the Board) and of each Federal Reserve bank that are directly related to the establishment and conduct of United States monetary policy. (Sec. 3) Mandates that: (1) after submission of such report all Board and Federal reserve bank expenditures be made only as provided in advance in appropriations Acts; and (2) the Comptroller General submit an annual status report to the Congress on the compliance of the Board and the Federal reserve banks with such requirements. (Sec. 4) Amends the Federal Reserve Act to abolish the Federal reserve bank surplus fund and attendant payments to the Treasury of certain amounts from such funds. Requires each Federal reserve bank to transfer all funds held in such surplus account to the Board for transfer to the Secretary of the Treasury for deposit in the Treasury general fund. Instructs the Comptroller General to determine and report to the Congress the percentage of Federal reserve banks' net earnings that should be deposited annually into the Treasury general fund. (Sec. 5) Mandates: (1) an annual independent audit of each Federal reserve bank; and (2) annual submission of auditors' reports by the Board to the Congress regarding Federal reserve banks' compliance with fee schedule requirements. (Sec. 6) Directs the Board to obtain annual independent audits of the consolidated financial statements of the Federal Reserve System based upon audit reports of the Board and of the Federal reserve banks. (Sec. 7) Applies specified Federal procurement procedures to the Board and the Federal reserve banks as if they were executive agencies. (Sec. 8) Makes the transportation of paper checks in the clearing process a service covered by the Federal reserve banks' fee schedule. Modifies fee schedule guidelines to require that fees be established in each fiscal year (current law stat… | 2025-08-21T16:14:39Z | https://www.congress.gov/bill/105th-congress/senate-bill/2153 |
| 105-s-2053 | 105 | s | 2053 | Liberty Dollar Bill Act | Finance and Financial Sector | 1998-05-07 | 1998-05-07 | Read twice and referred to the Committee on Banking. | Senate | Sen. Warner, John [R-VA] | VA | R | W000154 | 1 | Liberty Dollar Bill Act - Amends Federal law to mandate that the design of the reverse side of $1 Federal reserve notes, in a form the Secretary of the Treasury deems appropriate, incorporate: (1) the preamble to the Constitution; (2) a list of the Articles of the Constitution; and (3) a list of the first ten amendments to the Constitution. States that such requirements do not limit the authority of the Secretary to: (1) include other inscriptions or material on the reverse side of $1 dollar bills; or (2) adopt other design features to deter counterfeiting of currency. | 2025-08-21T16:12:05Z | https://www.congress.gov/bill/105th-congress/senate-bill/2053 |
| 105-s-1986 | 105 | s | 1986 | Federal Home Loan Bank System Regulatory Restructuring Act of 1998 | Finance and Financial Sector | 1998-04-24 | 1998-04-24 | Read twice and referred to the Committee on Banking. | Senate | Sen. D'Amato, Alfonse [R-NY] | NY | R | D000018 | 1 | Federal Home Loan Bank System Regulatory Restructuring Act of 1998 - Amends the Federal Home Loan Bank Act to abolish the Federal Housing Finance Board and transfer its oversight functions for safety and soundness to the Director of Office of Federal Housing Enterprise Oversight, and its mission oversight to the Department of Housing and Urban Development. Makes technical and conforming amendments to the Federal Housing Enterprise Financial Safety and Soundness Act of 1992. | 2025-08-21T16:11:56Z | https://www.congress.gov/bill/105th-congress/senate-bill/1986 |
| 105-s-1914 | 105 | s | 1914 | Business Bankruptcy Reform Act | Finance and Financial Sector | 1998-04-02 | 1998-06-01 | Subcommittee on Oversight and Courts. Hearings held. | Senate | Sen. Grassley, Chuck [R-IA] | IA | R | G000386 | 0 | TABLE OF CONTENTS: Title I: Health Care and Employee Benefits Title II: Financial Instruments Title III: Ancillary and Other Cross-Border Cases Title IV: Small Business Bankruptcy Title V: Bankruptcy Tax Issues Title VI: Miscellaneous Business Bankruptcy Reform Act - Title I: Health Care and Employee Benefits - Amends the Federal bankruptcy code to prescribe guidelines for disposal of the patient records of a health care business (including a hospital, a health maintenance organization, or a nursing home) that commences a proceeding for debtor relief. Provides for disposal with a State or Federal agency, the patient or an insurance provider, or by destruction. (Sec. 103) Allows an administrative expense claim for the costs of closing a health care business, including disposal of patient records and transfer of patients to another health care business. (Sec. 104) Requires the bankruptcy court to appoint an ombudsman to represent the interests of the patients of a health care business within 30 days after commencement of a case under chapter 7 (Liquidation), 9 (Adjustment of Debts of a Municipality), or 11 (Reorganization). (Sec. 105) Requires the bankruptcy trustee to use all reasonable and best efforts to transfer patients from the health care business in the process of being closed to an appropriate substitute. (Sec. 106) Allows employee pension plan contributions to be treated as an administrative expense of the debtor's estate. Provides for continuance of certain pension plan contributions by the bankruptcy trustee. (Sec. 108) Excludes from the property of the debtor business estate certain payroll deductions for health care insurance or pension contributions held by the debtor employer. Title II: Financial Instruments - Revises the definitions of forward contract, repurchase agreement, swap agreement, and securities and commodities contracts, and defines master netting agreement. States that the filing of a petition for debtor relief does not operate as an automatic st… | 2025-08-21T16:13:13Z | https://www.congress.gov/bill/105th-congress/senate-bill/1914 |
| 105-s-1900 | 105 | s | 1900 | U.S. Holocaust Assets Commission Act of 1998 | Finance and Financial Sector | 1998-04-01 | 1998-06-23 | Became Public Law No: 105-186. | Senate | Sen. D'Amato, Alfonse [R-NY] | NY | R | D000018 | 26 | U.S. Holocaust Assets Commission Act of 1998 - Establishes the Presidential Advisory Commission on Holocaust Assets in the United States to: (1) study and develop an historical record of the collection and disposition of specified assets of Holocaust victims in the possession or control of the Federal Government (including the Board of Governors of the Federal Reserve System and any Federal reserve bank), after January 30, 1933 (including certain gold assets obtained by the Nazi government of Germany from governmental institutions in Nazi-occupied areas); (2) coordinate its activities with private and governmental entities (including the international Washington Conference on Holocaust-era Assets); (3) encourage the National Association of Insurance Commissioners to report on Holocaust-related claims practices of insurance companies doing business in the United States after January 30, 1933, that issued insurance policies to individuals on designated Holocaust-victim lists; (4) review comprehensively research conducted by other entities regarding such assets in the United States; and (5) report its recommendations to the President. Instructs the President to report recommendations for action to the Congress. Directs the Administrator of General Services, upon Commission request, to provide administrative support services on a reimbursable basis. Authorizes appropriations for FY 1998 through 2000. | 2025-01-14T18:20:21Z | https://www.congress.gov/bill/105th-congress/senate-bill/1900 |
| 105-s-1671 | 105 | s | 1671 | Examination Parity and Year 2000 Readiness for Financial Institutions Act | Finance and Financial Sector | 1998-02-24 | 1998-02-24 | Read twice and referred to the Committee on Banking. | Senate | Sen. Bennett, Robert F. [R-UT] | UT | R | B000382 | 2 | Examination Parity and Year 2000 Readiness for Financial Institutions Act - Requires each Federal banking agency and the National Credit Union Administration Board (Board) to offer seminars to all depository institutions and insured credit unions under their respective jurisdictions on the implication of the Year 2000 computer problem for: (1) the safety and soundness of such institutions; and (2) their transactions with other financial institutions (including Federal reserve banks and Federal home loan banks). Requires such agencies and the Board to make available to all the institutions under their jurisdiction model approaches to common Year 2000 computer problems with regard to project management, vendor contracts, testing regimes, and business continuity planning. Defines Year 2000 computer problem as any problem which prevents information technology from accurately processing, calculating, comparing, or sequencing date or time data: (1) from, into, or between the 20th and 21st centuries, or the years 1999 and 2000; or (2) with regard to leap year calculations. Amends the Home Owners' Loan Act to place under the regulatory authority of the Director of the Office of Thrift Supervision a service corporation or subsidiary owned by a savings association. Permits the Director to authorize any other Federal banking agency to examine the service corporation or subsidiary if the agency supervises any other person maintaining an ownership interest in it. Subjects the corporation or subsidiary to the insurance termination prescriptions of the Federal Deposit Insurance Act. Provides that if such service corporation or subsidiary causes services to be performed for itself that are also authorized under this Act, such services shall also fall within the Director's regulatory purview. Amends the Federal Credit Union Act to subject a credit union organization owned in whole or in part by an insured credit union to examination and regulation by the Board to the same extent as an insured credit union. Permits the Board … | 2025-08-21T16:14:16Z | https://www.congress.gov/bill/105th-congress/senate-bill/1671 |
| 105-s-1594 | 105 | s | 1594 | Digital Signature and Electronic Authentication Law (SEAL) of 1998 | Finance and Financial Sector | 1998-02-02 | 1998-03-11 | Subcommittee on Finance and Technology. Hearings held. | Senate | Sen. Bennett, Robert F. [R-UT] | UT | R | B000382 | 1 | Digital Signature and Electronic Authentication Law (SEAL) of 1998 - Amends the Bank Protection Act of 1968 to authorize a financial institution to use electronic authentication in business transactions if it has entered into an agreement to do so with a counterparty, or has established a banking, financial or transactional system using electronic authentication. Empowers the appropriate Federal or State bank supervisor to preclude the use of electronic authentication if it determines that such use is inconsistent with or threatens the safety and soundness of the institution. Prohibits a State government, agency, or instrumentality from acting as digital certification authority or imposing fees with respect to electronic authentication services. Requires the Board of Governors of the Federal Reserve System to report to the Congress on the use of electronic authentication, including certain considerations regarding consumer protections, and the international use of electronic authentication by financial institutions. | 2025-08-21T16:14:51Z | https://www.congress.gov/bill/105th-congress/senate-bill/1594 |
| 105-s-1560 | 105 | s | 1560 | Accurate Accounting Standards Certification Act of 1997 | Finance and Financial Sector | 1997-11-13 | 1997-11-13 | Read twice and referred to the Committee on Banking. | Senate | Sen. Faircloth, Lauch [R-NC] | NC | R | F000437 | 0 | Accurate Accounting Standards Certification Act of 1997 - Declares that accounting standards developed by the Financial Accounting Standards Board as of November 13, 1997, governing the treatment of derivatives and similar instruments shall not be considered to be generally accepted accounting principles. Prohibits their use by a depository institution for purpose of compliance with Federal banking law unless the appropriate Federal banking agency certifies in writing to the Congress that such standards: (1) reflect more accurately depository institution assets, liabilities, and earnings; and (2) will not have the effect of diminishing the use of risk management practices that would have the effect of inhibiting the safe and sound operation of a depository institution. | 2025-08-21T16:11:26Z | https://www.congress.gov/bill/105th-congress/senate-bill/1560 |
| 105-s-1518 | 105 | s | 1518 | Year 2000 Computer Remediation and Shareholder (CRASH) Protection Actof 1997 | Finance and Financial Sector | 1997-11-10 | 1997-11-10 | Read twice and referred to the Committee on Banking. | Senate | Sen. Bennett, Robert F. [R-UT] | UT | R | B000382 | 0 | Year 2000 Computer Remediation and Shareholder (CRASH) Protection Act of 1997 - Directs the Securities and Exchange Commission to require issuers of registered securities to include within their initial offering statements and quarterly reports a description of the progress made in completing five specified phases of Year 2000 computer system remediation by the issuer's business units. | 2025-08-21T16:14:05Z | https://www.congress.gov/bill/105th-congress/senate-bill/1518 |
| 105-s-1405 | 105 | s | 1405 | Financial Regulatory Relief and Economic Efficiency Act of 1998 | Finance and Financial Sector | 1997-11-07 | 1998-09-24 | Placed on Senate Legislative Calendar under General Orders. Calendar No. 602. | Senate | Sen. Shelby, Richard C. [R-AL] | AL | R | S000320 | 13 | TABLE OF CONTENTS: Title I: Improving Monetary Policy and Financial Institution Management Practices Title II: Streamlining Activities of Institutions Title III: Streamlining Agency Actions Title IV: Miscellaneous Title V: Technical Corrections Financial Regulatory Relief and Economic Efficiency Act of 1998 - Title I: Improving Monetary Policy and Financial Institution Management Practices - Amends the Federal Reserve Act (FRA) to permit interest payments on reserves maintained at a Federal reserve bank. (Sec. 102) Authorizes any depository institution, before January 1, 2001, to permit the owner of any interest- or dividend-bearing deposit or account to make up to 24 transfers per month, for any purpose, to another account of the owner in the same institution. Repeals the limitation on the authority of a depository institution to permit the owner of any deposit or account to make withdrawals by negotiable or transferable instruments for transfers to third parties. (Currently, the latter authority may be applied only with respect to the accounts of charitable, religious, and other nonprofit organizations, as well as to Federal, State, and local governments.) Amends the FRA, the Home Owners' Loan Act (HOLA), and the Federal Deposit Insurance Act (FDIA) to repeal the prohibition against interest or dividend payments on demand deposits. (Sec. 103) Amends HOLA to: (1) repeal savings association liquid asset and dividend notice requirements; (2) repeal certain restrictions on interstate acquisitions that result in the formation of a multiple savings and loan holding company which controls savings and loan associations in more than one State; and (3) permit a savings and loan holding company, with the prior approval by the Director of the Office of Thrift Supervision, to acquire more than five percent of the voting shares of a non-subsidiary savings association or non-subsidiary savings and loan holding company. (Sec. 108) Amends the FDIA to repeal deposit broker notification an… | 2025-04-07T15:31:52Z | https://www.congress.gov/bill/105th-congress/senate-bill/1405 |
| 105-s-1423 | 105 | s | 1423 | Federal Home Loan Bank System Modernization Act of 1997 | Finance and Financial Sector | 1997-11-07 | 1998-03-12 | Committee on Banking. Hearings held. Hearings printed: S.Hrg. 105-911. | Senate | Sen. Hagel, Chuck [R-NE] | NE | R | H001028 | 14 | Federal Home Loan Bank System Modernization Act of 1997 - Amends the Federal Home Loan Bank Act (FHLBA) to instruct the Federal Housing Finance Board (the FHF Board) to divide the States into not fewer than one Federal Home Loan Bank district (currently 8 to 12 districts). (Sec. 4) Amends Federal Home Loan Bank (FHLB) membership parameters to make a Federal savings association's membership in the FHLB system voluntary instead of mandatory. (Sec. 5) Modifies guidelines governing long-term advances to: (1) allow advances to any community financial institution for small businesses, agricultural, rural development, or low-income community development lending; (2) make the cash (as well as the deposits) of an FHLB eligible collateral for securing a bank's interest in a loan or advance; and (3) repeal the 30 percent of capital cap on the aggregate amount of outstanding advances secured by real estate related collateral. Includes within the categories of collateral eligible for bank loan: (1) secured loans for small business, agriculture, rural development, or low-income community development, or securities representing a whole interest in such secured loans, in the case of any community financial institution; and (2) certain mutual fund shares. Authorizes an FHLB to renew certain advances on its own determination without concurrence by the FHF Board. Requires an FHLB member with an advance secured by insufficient eligible collateral to reduce its level of outstanding advances according to a schedule determined by the FHLB (currently, by the FHF Board). (Sec. 6) Revises eligibility criteria to permit certain community financial institutions to gain FHLB membership regardless of the percentage of total assets represented by residential mortgage loans. (Sec. 7) Repeals certain requirements for advances to qualified thrift lenders (QTLs) and to FHLB members that are not QTLs. Amends the Home Owners' Loan Act to repeal the ineligibility of a non-QTL savings association to obtain new advances from a FHLB bank (thus maki… | 2025-08-21T16:11:32Z | https://www.congress.gov/bill/105th-congress/senate-bill/1423 |
| 105-s-1301 | 105 | s | 1301 | Consumer Bankruptcy Reform Act of 1998 | Finance and Financial Sector | 1997-10-21 | 1998-09-23 | Senate passed companion measure H.R. 3150 in lieu of this measure by Yea-Nay Vote. 97-1. Record Vote No: 284. (consideration: CR S10767) | Senate | Sen. Grassley, Chuck [R-IA] | IA | R | G000386 | 3 | TABLE OF CONTENTS: Title I: Needs-Based Bankruptcy Title II: Enhanced Procedural Protections for Consumers Title III: Improved Procedures for Efficient Administration of the Bankruptcy System Title IV: Technical Corrections Consumer Bankruptcy Reform Act of 1998 - Title I: Needs Based Bankruptcy - Amends the bankruptcy code to modify the requirement that a debtor request conversion of a case from Chapter 7 (Liquidation) to Chapter 12 (Adjustment of Debts of a Family Farmer With Regular Annual Income) or Chapter 13 Adjustment of Debts of an Individual With Regular Income). Allows mere consent to conversion as an alternative to requesting it. (Sec. 102) Revamps Chapter 7 dismissal guidelines to provide for: (1) conversion to Chapter 13 with or without the debtor's consent; (2) a motion for dismissal by a party in interest; and (3) repeal of the presumption in favor of granting the relief requested by the debtor. Requires the court to consider whether: (1) the debtor can repay at least 20 percent of nonpriority unsecured debts; or (2) the debtor has filed in bad faith. Directs the court to order debtor's counsel to reimburse the panel trustee's legal fees if the trustee's motion for dismissal or conversion has been granted, and the court finds that the chapter 7 filing by such counsel was not substantially justified. Subjects counsel to a civil penalty for certain bankruptcy rules violations. Requires the court to award a debtor all reasonable costs in successfully contesting a dismissal motion brought by a party in interest (other than a panel trustee) if: (1) the party's position was not substantially justified; or (2) the party brought the motion solely to coerce the debtor into waiving a guaranteed right. Exempts from such a sanction any party in interest whose aggregate claim amount is less than $1,000. Prohibits a party in interest from bringing a dismissal motion if the debtor and debtor's spouse, combined, as of the date of the order for relief, have current monthly t… | 2025-07-21T19:32:26Z | https://www.congress.gov/bill/105th-congress/senate-bill/1301 |
| 105-s-1260 | 105 | s | 1260 | Securities Litigation Uniform Standards Act of 1998 | Finance and Financial Sector | 1997-10-07 | 1998-11-03 | Became Public Law No: 105-353. | Senate | Sen. Gramm, Phil [R-TX] | TX | R | G000365 | 43 | TABLE OF CONTENTS: Title I: Securities Litigation Uniform Standards Title II: Reauthorization of the Securities and Exchange Commission Title III: Clerical and Technical Amendments Securities Litigation Uniform Standards Act of 1998 - Title I: Securities Litigation Uniform Standards - Amends the Securities Act of 1933 and the Securities Exchange Act of 1934 to prohibit any private class action based upon State statutory or common law in State or Federal court by any private party alleging: (1) an untrue statement or omission in connection with the purchase or sale of a covered security; or (2) that the defendant used any manipulative or deceptive device in connection with such a transaction. (Sec. 101) Declares that any class action brought in any State court involving a covered security shall be removable to the Federal district court for the district in which the action is pending. Exempts from such prohibition certain class actions based upon statutory or common law of the State in which the issuer is either incorporated or organized. Declares that such a class action may be maintained in State or Federal court by a private party if it involves: (1) the purchase or sale of securities by the issuer (or an affiliate) exclusively from or to holders of the issuer's equity securities; or (2) any communication about such a sale made by or on behalf of the issuer (or an affiliate) to such equity security holders concerning their decisions with respect to voting their securities, acting in response to a tender or exchange offer, or exercising dissenters' or appraisal rights. Declares that nothing precludes a State, any political subdivision, or a State pension plan from bringing an action involving a covered security either on its own behalf, or as a member of a class composed solely of other States, political subdivisions, or State pension plans that are named plaintiffs and have authorized participation in such action. Permits a class action suit in State or Federal court to enforce a c… | 2025-04-07T15:34:00Z | https://www.congress.gov/bill/105th-congress/senate-bill/1260 |
| 105-s-1249 | 105 | s | 1249 | Small Business Banking Act of 1997 | Finance and Financial Sector | 1997-10-03 | 1997-10-03 | Read twice and referred to the Committee on Banking. | Senate | Sen. Hagel, Chuck [R-NE] | NE | R | H001028 | 1 | Small Business Banking Act of 1997 - Amends Federal banking law with respect to a depository institution's authority to permit the holder of any interest-earning or dividend-earning deposit or account (negotiable order of withdrawal or NOW account) to make withdrawals from such account by negotiable or transferable instrument for the purpose of making payments to third parties. Repeals the restriction of such withdrawals to individuals, non-profit organizations and Federal, State, and local governments (thus allowing such withdrawals by businesses and other for-profit entities). Amends the Federal Reserve Act, the Home Owners' Loan Act, and the Federal Deposit Insurance Act to repeal the prohibition against the payment of interest on demand deposits by banks or Federal savings associations subject to their supervision. | 2025-08-21T16:14:56Z | https://www.congress.gov/bill/105th-congress/senate-bill/1249 |
| 105-s-1244 | 105 | s | 1244 | Religious Liberty and Charitable Donation Protection Act of 1998 | Finance and Financial Sector | 1997-10-01 | 1998-06-19 | Became Public Law No: 105-183. | Senate | Sen. Grassley, Chuck [R-IA] | IA | R | G000386 | 5 | Religious Liberty and Charitable Donation Protection Act of 1998 - Amends Federal bankruptcy law with respect to avoidance by the trustee in bankruptcy of fraudulent transfers and obligations to cite circumstances under which a transfer of a charitable contribution to a qualified religious or charitable unit shall not be considered fraudulent. Prohibits the trustee from avoiding such charitable contributions when acting as lien creditor and successor to certain creditors and purchasers. States that a claim by any person to recover a transferred charitable contribution shall be preempted by the commencement of the case in bankruptcy. Redefines "disposable income," for purposes of bankruptcy plan confirmation, to include charitable contributions which do not exceed 15 percent of the debtor's gross income for the year in which the contributions are made. Prohibits the bankruptcy court, when it determines whether to dismiss a case, from taking into consideration whether a debtor makes charitable contributions to any qualified religious or charitable entity. | 2025-07-21T19:32:26Z | https://www.congress.gov/bill/105th-congress/senate-bill/1244 |
| 105-s-1203 | 105 | s | 1203 | Debit Card Consumer Protection Act of 1997 | Finance and Financial Sector | 1997-09-23 | 1997-09-23 | Read twice and referred to the Committee on Banking. | Senate | Sen. D'Amato, Alfonse [R-NY] | NY | R | D000018 | 3 | Debit Card Consumer Protection Act of 1997 - Amends the Electronic Fund Transfer Act to cite conditions limiting consumer liability for unauthorized debit card transactions executed through an electronic fund transfer. Reduces from ten business days to five business days the deadline within which a financial institution: (1) must report to a consumer the results of its investigation concerning allegations of error in such consumer's account; and (2) may conditionally recredit a consumer's account for the amount of the alleged error upon receipt of appropriate notification. Declares that a non-protected access card may only be issued upon consumer request or application, or as a renewal of or substitution for, a non-protected access card. Requires a financial institution to furnish to the consumer: (1) a printed warning that a card does not require a personalized code or other unique identifier (other than a signature) to initiate access to the consumer's account; (2) an annual summary of error resolution procedures; and (3) its policy regarding restitution of any fees imposed as a result of an unauthorized electronic fund transfer. | 2025-08-21T16:11:13Z | https://www.congress.gov/bill/105th-congress/senate-bill/1203 |
| 105-s-1163 | 105 | s | 1163 | Unsolicited Loan Consumer Protection Act | Finance and Financial Sector | 1997-09-11 | 1997-09-11 | Read twice and referred to the Committee on Banking. | Senate | Sen. Bryan, Richard H. [D-NV] | NV | D | B000993 | 1 | Unsolicited Loan Consumer Protection Act - Amends the Truth in Lending Act to prohibit a creditor from soliciting a consumer loan through the use of an unsolicited check or other negotiable instrument unless the consumer has initiated a request for an extension of credit before receiving such instrument. Shields a consumer from liability for any unsolicited check unless the consumer actually receives and negotiates such check. Creates a rebuttable presumption that such unsolicited instrument was neither received nor negotiated by the consumer to whom it was issued. Prohibits information on any liability pertaining to such unsolicited instrument from being reported to or received by any consumer reporting agency. | 2025-08-21T16:14:43Z | https://www.congress.gov/bill/105th-congress/senate-bill/1163 |
| 105-s-1154 | 105 | s | 1154 | Dual-Use Debit Cardholder Protection Act of 1997 | Finance and Financial Sector | 1997-09-09 | 1997-09-09 | Read twice and referred to the Committee on Banking. | Senate | Sen. Reed, Jack [D-RI] | RI | D | R000122 | 2 | Dual-Use Debit Cardholder Protection Act of 1997 - Amends the Electronic Fund Transfer Act to impose consumer liability for unauthorized electronic fund transfers only if the issuer has provided a unique identifier, such as a photograph (as under current law), retina scan, and other named devices with which the user can be identified as the authorized person. Eliminates a signature as such a unique identifier. Cites circumstances under which a consumer shall be liable for an unauthorized electronic fund transfer not exceeding $50 if the transfer did not require the use of a unique identifier, such as a photograph, fingerprint, or retina scan. Precludes consumer liability for unauthorized electronic fund transfers in the absence of a consumer's timely receipt of notice of liability for such transfers, and of the advisability of prompt reporting of any loss, theft, or unauthorized use. Prohibits the issuance of dual-use debit cards to initiate an electronic fund transfer without the use of a unique identifier unless certain statutory requirements are met, and the issuer has provided a clear and conspicuous disclosure that the use of such card may not require the use of a unique identifier. | 2025-08-21T16:14:48Z | https://www.congress.gov/bill/105th-congress/senate-bill/1154 |
| 105-s-1149 | 105 | s | 1149 | Investment in Education Act of 1997 | Finance and Financial Sector | 1997-09-04 | 1997-11-03 | Referred to the Subcommittee on Commercial and Administrative Law. | Senate | Sen. Grassley, Chuck [R-IA] | IA | R | G000386 | 4 | Investment in Education Act of 1997 - Amends Federal bankruptcy law with respect to distribution of estate property (or property proceeds) subject to an unavoidable lien securing an allowed claim for a tax. Specifies that such an unavoidable lien does not include a properly perfected unavoidable tax lien arising in connection with an ad valorem tax on the estate property (thus exempting the holder of such a tax lien from subordination to other claimants according to the established distribution schedule). Declares that administrative expenses entitled to first priority payment from a debtor's estate (other than claims for wages, salaries or commissions arising after the filing of a petition for relief from debt) shall be limited to expenses incurred under Chapter 7 (Liquidation) and shall not include expenses incurred under Chapter 11 (Reorganization). Requires the bankruptcy trustee, before subordinating a tax lien on real or personal property of the estate, to: (1) exhaust the estate's unencumbered assets; and (2) recover from property securing an allowed secured claim the reasonable, necessary expenses of preserving or disposing of that property. Provides that claims for wages, salaries, and commissions entitled to distribution priority, including claims for contributions to an employee benefit plan entitled to fourth priority, may be paid from property of the estate which secures a tax lien or the proceeds from such property. Prohibits the bankruptcy court from determining the amount or legality of any tax, related fine or penalty, or any addition to tax arising in connection with an ad valorem tax on real or personal property of the estate if the applicable period for contesting or redetermining that amount has expired under any law other than a bankruptcy law. Declares exempt property liable for debts with respect to a court order for child and spouse support, as well as certain taxes and customs duties. | 2025-07-21T19:32:26Z | https://www.congress.gov/bill/105th-congress/senate-bill/1149 |
| 105-s-1038 | 105 | s | 1038 | Efficient Currency Act of 1997 | Finance and Financial Sector | 1997-07-21 | 1997-07-21 | Read twice and referred to the Committee on Banking. | Senate | Sen. Grams, Rod [R-MN] | MN | R | G000367 | 1 | Efficient Currency Act of 1997 - Amends Federal currency law to prescribe the color and content of one-dollar coins. Instructs the Secretary of the Treasury to: (1) place certain authorized one-dollar coins into circulation before the government's inventory of Susan B. Anthony one-dollar coins is depleted; and (2) increase capacity at U.S. Mint facilities to a level that permits replacement of one-dollar Federal reserve notes with one-dollar coins minted according to this Act. Prohibits the Federal reserve banks from ordering or placing into circulation one-dollar Federal Reserve notes after the Susan B. Anthony one-dollar coins and one-dollar coins minted according to this Act have reached a specified total in circulation. Directs the Secretary of the Treasury to cease regular production of one-dollar Federal Reserve notes (except for such quantities ordered by the Board of Governors of the Federal Reserve System to meet collectors' needs). | 2025-08-21T16:11:20Z | https://www.congress.gov/bill/105th-congress/senate-bill/1038 |
| 105-s-1024 | 105 | s | 1024 | Family Farmer Protection Act of 1997 | Finance and Financial Sector | 1997-07-16 | 1997-11-13 | Referred to the Subcommittee on Commercial and Administrative Law. | Senate | Sen. Grassley, Chuck [R-IA] | IA | R | G000386 | 6 | Family Farmer Protection Act of 1997 - Amends the Bankruptcy Judges, United States Trustees, and Family Farmer Bankruptcy Act of 1986 to repeal a sunset provision, thus making chapter 12 (adjustment of debts of a family farmer with regular annual income) of the Bankruptcy Code permanent. Authorizes the Secretary of Agriculture to make a direct or guaranteed farm operating loan for paying annual farm or ranch operating expenses of a borrower who has successfully completed a reorganization plan under chapter 12. | 2025-07-21T19:32:26Z | https://www.congress.gov/bill/105th-congress/senate-bill/1024 |
| 105-s-885 | 105 | s | 885 | Fair ATM Fees for Consumers Act | Finance and Financial Sector | 1997-06-11 | 1998-04-01 | Sponsor introductory remarks on measure. (CR S2965) | Senate | Sen. D'Amato, Alfonse [R-NY] | NY | R | D000018 | 11 | Fair ATM Fees for Consumers Act - Amends the Electronic Fund Transfer Act to proscribe the assessment of an electronic terminal surcharge (ATM fee) against a consumer if the transaction: (1) neither relates to nor affects an account held by the consumer with the financial institution that owns or operates the electronic terminal; (2) is conducted through a national or regional electronic banking network. | 2025-08-21T16:14:03Z | https://www.congress.gov/bill/105th-congress/senate-bill/885 |
| 105-s-838 | 105 | s | 838 | Common Cents Stock Pricing Act of 1997 | Finance and Financial Sector | 1997-06-05 | 1997-06-05 | Read twice and referred to the Committee on Banking. | Senate | Sen. Bryan, Richard H. [D-NV] | NV | D | B000993 | 2 | Common Cents Stock Pricing Act of 1997 - Amends the Securities Exchange Act of 1934 to instruct the Securities and Exchange Commission to require quotations in dollars and cents (decimals) for equity securities transactions and prescribe an implementation schedule. | 2025-08-21T16:12:27Z | https://www.congress.gov/bill/105th-congress/senate-bill/838 |
| 105-s-652 | 105 | s | 652 | Depository Institution Disaster Relief Act of 1997 | Finance and Financial Sector | 1997-04-25 | 1997-04-25 | Read twice and referred to the Committee on Banking. | Senate | Sen. Grams, Rod [R-MN] | MN | R | G000367 | 4 | Depository Institution Disaster Relief Act of 1997 - Authorizes the Board of Governors of the Federal Reserve System to make exceptions to the Truth in Lending Act and the Expedited Funds Availability Act with respect to transactions and depository institutions located within national disaster areas produced by the 1997 flooding of the Red River and its tributaries, if the Board determines that the exception can reasonably be expected to alleviate hardships to the public that outweigh possible adverse effects. Authorizes the appropriate Federal banking agency to permit an insured depository institution in such a disaster area, which also meets certain other requirements, to subtract the amount of disaster insurance proceeds or governmental assistance from its total assets when calculating compliance with mandatory leverage limits of the Federal Deposit Insurance Act. Authorizes the Board and other Federal banking agencies to disregard specified rulemaking procedural and publication requirements of Federal law with respect to such depository institutions. Expresses the sense of the Congress that each Federal financial institution regulatory agency should make exceptions to the appraisal standards prescribed by the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 with respect to real property located within a disaster area, if the agency determines that this can reasonably be expected to alleviate hardships to the public that outweigh possible adverse effects. | 2025-08-21T16:12:26Z | https://www.congress.gov/bill/105th-congress/senate-bill/652 |
| 105-s-530 | 105 | s | 530 | Bankruptcy Abuse Reform Act of 1997 | Finance and Financial Sector | 1997-04-09 | 1998-05-15 | Referred to Subcommittee on Oversight and Courts. | Senate | Sen. Kohl, Herb [D-WI] | WI | D | K000305 | 1 | Bankruptcy Abuse Reform Act of 1997 - Amends the bankruptcy code to limit the homestead exemption from a debtor's estate under State or local law to an aggregate of $100,000 in value: (1) in real or personal property (including a cooperative that owns property) that the debtor (or a dependent) uses as a residence; or (2) in a burial plot for the debtor (or a dependent). | 2025-08-21T16:11:17Z | https://www.congress.gov/bill/105th-congress/senate-bill/530 |
| 105-s-410 | 105 | s | 410 | A bill to extend the effective date of the Investment Advisers Supervision Coodination Act. | Finance and Financial Sector | 1997-03-06 | 1997-03-31 | Became Public Law No: 105-8. | Senate | Sen. D'Amato, Alfonse [R-NY] | NY | R | D000018 | 3 | Amends the Investment Advisers Supervision Coordination Act to postpone its effective date from (the current) 180 days to 270 days after its date of enactment. | 2025-04-07T15:24:06Z | https://www.congress.gov/bill/105th-congress/senate-bill/410 |
| 105-s-318 | 105 | s | 318 | Homeowners Protection Act of 1998 | Finance and Financial Sector | 1997-02-12 | 1998-07-29 | Became Public Law No: 105-216. | Senate | Sen. D'Amato, Alfonse [R-NY] | NY | R | D000018 | 8 | Homeowners Protection Act of 1998 - Prescribes guidelines for mandatory termination of private mortgage insurance (PMI) for a residential mortgage when the principal balance is first scheduled to reach or actually reaches 80 percent of the original value of the property securing the mortgage loan, including: (1) a mortgagor's written cancellation request; (2) automatic termination; (3) final termination; (4) no further payments; and (5) return of unearned premiums. Cites exceptions for high risk loans. (Sec. 3) Requires the Comptroller General to detail for the Congress the volume and characteristics of residential mortgages and residential mortgage transactions that are exempt from the borrower cancellation and automatic termination requirements of this Act. (Sec. 4) Prescribes disclosure requirements for PMI amortization schedules, including for: (1) new mortgages at the time of transaction; (2) high-risk mortgages; (3) mortgage transactions entered into prior to enactment of this Act; (4) annual written updates; (5) PMI cancellation or termination; and (6) lender paid mortgage insurance. (Sec. 7) Prohibits fees for such disclosures. (Sec. 8) Subjects any servicer, mortgagee, or mortgage insurer in violation of this Act to civil liability for damages incurred by each mortgagor to whom the violation relates. (Sec. 9) Preempts: (1) State law governing PMI (except protected State laws that are not inconsistent with this Act); and (2) servicing agreements entered into by Federal National Mortgage Association, the Federal Home Loan Mortgage Corporation, or any private investor or note holder. Declares that a protected State law shall not be construed as inconsistent with this Act if it requires: (1) termination of PMI or other mortgage guaranty insurance at an earlier date or when a lower mortgage loan principal balance is achieved; or (2) disclosure of information that provides more information than required by this Act, or more often or at a date earlier than required by this Act. (Sec. 10) Prescribes enforce… | 2025-04-07T15:32:23Z | https://www.congress.gov/bill/105th-congress/senate-bill/318 |
| 105-s-298 | 105 | s | 298 | Depository Institution Affiliation Act | Finance and Financial Sector | 1997-02-11 | 1997-02-11 | Read twice and referred to the Committee on Banking. | Senate | Sen. D'Amato, Alfonse [R-NY] | NY | R | D000018 | 3 | TABLE OF CONTENTS: Title I: Creation and Control of Financial Services Holding Companies Title II: Supervisory Improvements Depository Institution Affiliation Act - Title I: Creation and Control of Financial Services Holding Companies - Sets forth the terms and conditions under which a financial services holding company (FSHC) can be established and must be operated. (Sec. 101) Requires any FSHC seeking to acquire control of an insured bank, an insured institution, a bank holding company, a savings and loan holding company, or another financial services holding company to comply with certain requirements of the Federal Deposit Insurance Act. Establishes penalties and additional procedures for failing to comply with such requirements. Permits the appropriate Federal regulatory agency (the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, the Board of Directors of the Federal Deposit Insurance Corporation, or the Federal Home Loan Bank Board) to adopt rules and regulations to prevent an insured depository institution that is controlled by an FSHC from engaging in unsafe or unsound practices. Subjects FSHCs to the same restrictions on affiliate transactions that are imposed upon member banks (banks which are members of a Federal Reserve bank) under the Federal Reserve Act. Establishes additional restrictions on inter-affiliate transactions, including prohibiting an insured bank or institution that is an affiliate of a FSHC from: (1) extending credit to a securities affiliate or subsidiary; (2) purchasing for its own account the assets of a securities affiliate or subsidiary; or (3) extending credit to an issuer of securities underwritten by a securities affiliate for the purpose of paying the principal of those securities or interest for dividends on those securities. Mandates that each insured depository institution that is controlled by an FHSC be well capitalized. Requires any FSHC which is in control of an insured depository institution found to be under… | 2025-08-21T16:14:54Z | https://www.congress.gov/bill/105th-congress/senate-bill/298 |
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congress INTEGER,
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bill_number INTEGER,
title TEXT,
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CREATE INDEX idx_leg_congress ON legislation(congress);
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CREATE INDEX idx_leg_date ON legislation(introduced_date);
CREATE INDEX idx_leg_sponsor ON legislation(sponsor_name);
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