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Bank and Thrift Deposit Insurance Premiums: The Record from 1934-2004

Description: Since federal deposit insurance first came into being in the mid-1930s, commercial banks and savings associations (thrifts) have paid premiums into government insurance reserves to cover losses due to financial institution failures. Banks and thrifts have come to offer similar services and the government has standardized insurance premiums for the two institutions to reflect their competition. Deposit insurance premiums have been the subject of legislation several times over recent years includ… more
Date: January 3, 2005
Creator: Miles, Barbara L. & Jackson, William D.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Bank Failures: Recent Trends and Policy Options

Description: During the 1980s the U.S. banking industry has experienced a rapidly growing number of failures. Many factors have contributed to this trend including deregulation, technology, individual bank management, and economic conditions. The Federal Deposit Insurance Corporation (FDIC) handles insured bank failures. Congress has been monitoring the recent trend and is concerned with the FDIC’s ability to continue to perform its supervisory and insurance operations. The present situation, information on… more
Date: July 14, 1987
Creator: Smale, Pauline
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Banking Acquisition and Merger Procedures

Description: This report discusses in general terms the basic process and time line for banking industry acquisitions and mergers and briefly discusses the May 4, 1998 application by Travelers Group to merge with Citicorp. Among the issues discussed are: potential impact on consumers; whether the new entities would be too big to fail; and, whether competitive equity calls for financial modernization legislation with functional regulation of the securities, banking, and insurance sectors of companies offerin… more
Date: May 19, 1998
Creator: Murphy, M. Maureen
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Banking and Finance: Legislative Initiatives in the 105th Congress, Second Session

Description: This report reviews major banking and finance issues that are receiving congressional attention in the 2nd session of the 105th Congress. It will be updated periodically to reflect legislative developments. Relevant CRS products are referenced.
Date: August 10, 1998
Creator: Shorter, Gary & Wells, F. J.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Banking and Financial Infrastructure Continuity: Pandemic Flu, Terrorism, and Other Challenges

Description: This report outlines the financial sector's recovery plans for two kinds of disasters: the inability to conduct transactions and large losses of asset value. The basic function of the payment system is carried out by banks, and monetary policy affects banks immediately. Because brokers, exchanges, secondary market facilities, and insurance companies carry out crucial financial functions, their regulators and trade associations are involved in continuity of operations planning for contingencies.
Date: May 4, 2009
Creator: Weiss, N. E.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Banking and Securities Regulation and Agency Enforcement Authorities

Description: The federal bank regulatory agencies — the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, the Board of Governors of the Federal Reserve System, and the Office of Thrift Supervision — have extensive authority to enforce various legal and regulatory standards with respect to the banking institutions that they supervise. Similarly, the Securities and Exchange Commission (SEC) has a wide range of tools to enforce the securities laws. This report provides a bri… more
Date: January 17, 2006
Creator: Jackson, William D.; Jickling, Mark; Shorter, Gary; Murphy, M. Maureen & Seitzinger, Michael V.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Banking Policy Issues in the 115th Congress

Description: This report provides a broad overview of selected banking-related issues, including prudential regulation, consumer protection, "too big to fail" (TBTF) banks, community banking, regulatory agency structures and independence, and recent market and economic trends. It is not an exhaustive look at all bank policy issues, nor is it a detailed examination of any one issue. Rather, it provides concise background and analyses of certain prominent issues that have been the subject of recent discussion… more
Date: May 26, 2017
Creator: Perkins, David W.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Banking's Proposed "Know Your Customer" Rules

Description: On December 7, 1998, federal banking regulators proposed regulations that would have required banks and thrifts to develop formal policies and procedures to identify unusual transactions in customers’ accounts to report as suspicious activity in conjunction with the federal laws outlawing money laundering. Although there were varied proposals before the 106th Congress on the issue, no legislation was enacted. The issue likeliest to command attention in the 107th Congress is international money … more
Date: August 31, 2001
Creator: Murphy, M. Maureen
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Bankruptcy and Business Failure Data

Description: The purpose of this report is to provide statistical data on the actual number of businesses that are filing for bankruptcy or ceasing operations. Tabular data of both a historical and current nature concerning business failures and bankruptcies is provided.
Date: August 20, 1982
Creator: Scott, Oscar
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Bankruptcy Basics: A Primer

Description: This report serves as a primer for Members and their staffs on the basics of U.S. bankruptcy law. The report provides a brief overview of the most essential concepts necessary for an informed understanding of the U.S. bankruptcy system
Date: March 22, 2018
Creator: Lewis, Kevin M.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Bankruptcy Reform in the 108th Congress

Description: On March 19, 2003, the House of Representatives passed H.R. 975, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2003. H.R. 975, as introduced, was substantially similar to the legislation (H.R. 333) approved by both the House and the Senate during the 107th Congress, but omitted the Schumer Amendment which would have prevented the discharge of liability for willful violation of protective orders and violent protests against providers of “lawful services,” including reproductive … more
Date: January 29, 2004
Creator: Welborn, Angie A.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Bankruptcy Reform in the 108th Congress

Description: On February 27, 2003, House Judiciary Chairman James Sensenbrenner introduced H.R. 975, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2003. Subcommittee hearings were held on March 4, and the legislation was marked-up and ordered to be reported by the full committee on March 12. This report provides an overview of selected major provisions of the legislation.
Date: March 13, 2003
Creator: Welborn, Angie A.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Bankruptcy Reform in the 108th Congress

Description: On March 19, 2003, the House of Representatives passed H.R. 975, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2003. H.R. 975, as introduced, was substantially similar to the legislation (H.R. 333) approved by both the House and the Senate during the 107th Congress, but omitted the Schumer Amendment which would have prevented the discharge of liability for willful violation of protective orders and violent protests against providers of “lawful services,” including reproductive … more
Date: March 24, 2003
Creator: Welborn, Angie A.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Bankruptcy Reform in the 108th Congress

Description: On March 19, 2003, the House of Representatives passed H.R. 975, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2003. H.R. 975, as introduced, was substantially similar to the legislation (H.R. 333) approved by both the House and the Senate during the 107th Congress, but omitted the Schumer Amendment which would have prevented the discharge of liability for willful violation of protective orders and violent protests against providers of “lawful services,” including reproductive … more
Date: May 12, 2003
Creator: Welborn, Angie A.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Bankruptcy Reform Legislation in the 107th Congress: A Comparison of H.R. 333 As Passed by the House and the Senate

Description: H.R. 333, 107th Congress, 1st Sess. (2001), the “Bankruptcy Abuse Prevention and Consumer Protection Act of 2001” and its counterpart in the Senate, S. 220, 107th Congress, 1st Sess. (2001), the “Bankruptcy Reform Act of 2001” were introduced on January 31, 2001. So far, the 107th Congress has demonstrated widespread support for the bills evidenced by the votes. Although President Bush is expected to sign bankruptcy reform into law, the White House has indicated that a bankruptcy bill that cont… more
Date: July 10, 2002
Creator: Jeweler, Robin
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Bankruptcy Relief and Natural Disaster Victims

Description: In the wake of Hurricane Katrina, many have questioned whether implementing the new procedures of the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA), P.L. 109-8, scheduled to go into effect on October 17, 2005, should be delayed. This report considers whether bankruptcy law in general, and the BAPCPA in particular, may present unique challenges to financial recovery for those whose life, livelihood, and/or home have been damaged or destroyed.
Date: September 14, 2005
Creator: Jeweler, Robin
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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The Basel Accords: The Implementation of II and the Modification of I

Description: This report provides the basic information needed to understand the issues surrounding the proposed implementation of Basel II and the pending proposed modifications of Basel I in the United States. First, it gives a basic background on capital standards and how capital assessments were made before these accords. Second, it briefly explains how Basel I works. Third, it addresses the major problem with Basel I and the modifications being considered. Fourth, it describes the Basel II framework th… more
Date: February 21, 2006
Creator: Eubanks, Walter W.
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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Benefit-Cost Analysis and the Discount Rate for the Corps of Engineers' Water Resource Projects: Theory and Practice

Description: Construction of large water resource projects, such as those of the Army Corps of Engineers (Corps), can be controversial because they involve trade-offs among various river uses, and between current and future generations. Pursuant to federal water project planning guidelines, the Corps weighs these trade-offs using benefit-cost analysis. If its analysis shows that a project’s national economic development (NED) benefits exceed its NED costs, the Corps seeks project authorization from Congress… more
Date: June 23, 2003
Creator: Powers, Kyna
Item Type: Refine your search to only Report
Partner: UNT Libraries Government Documents Department
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