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Permissible Securities Activities of Commercial Banks Under the Glass-Steagall Act (GSA) and the Gramm-Leach-Bliley Act (GLBA)

Description: This report explains the extent to which commercial banks, their subsidiaries, and affiliates were able to engage in securities activities, including securities underwriting, dealing, and brokerage, under the authorities of the Glass-Steagall Act (GSA) and other pre-GLBA (Gramm-Leach-Bliley Act) banking laws, most notably the Bank Holding Company Act of 1956 (BHCA; 70 Stat. 133). It also discusses how the volume and scope of these securities activities expanded over time, and how the GLBA changed the GSA construct by facilitating affiliations among commercial banks and securities firms..
Date: April 12, 2010
Creator: Carpenter, David H. & Murphy, M. Maureen
Partner: UNT Libraries Government Documents Department

Multilateral Development Banks: U.S. Contributions FY2000-FY2015

Description: This report shows in tabular form how much the Administration requested and how much Congress appropriated for U.S. payments to the multilateral development banks (MDBs) since 2000. It also provides a brief description of the MDBs and the ways they fund their operations.
Date: January 26, 2015
Creator: Nelson, Rebecca M.
Partner: UNT Libraries Government Documents Department

The "Volcker": Proposals to Limit "Speculative" Proprietary Trading by Banks

Description: This report briefly discusses the permissible proprietary trading activities of commercial banks and their subsidiaries under current law. It then analyzes the Volcker Rule proposals under both the House- and Senate-passed financial reform bills.
Date: June 22, 2010
Creator: Carpenter, David H.
Partner: UNT Libraries Government Documents Department

The "Volcker": Proposals to Limit "Speculative" Proprietary Trading by Banks

Description: This report briefly discusses the permissible proprietary trading activities of commercial banks and their subsidiaries under current law. It then analyzes the Volcker Rule proposals under the House- and Senate-passed financial reform bills and under the Conference Report, which would limit the ability of commercial banking institutions and their affiliated companies and subsidiaries to engage in trading unrelated to customer needs and investing in and sponsoring hedge funds or private equity funds.
Date: June 30, 2010
Creator: Carpenter, David H.
Partner: UNT Libraries Government Documents Department

"Regulatory Relief" for Banking: Selected Legislation in the 114th Congress

Description: This report discusses regulatory relief legislation for banks in the 114th Congress that, at the time this report was published, has seen floor action or has been ordered to be reported by a committee.
Date: May 14, 2015
Creator: Hoskins, Sean M.; Labonte, Marc; Murphy, Edward V. & Shorter, Gary
Partner: UNT Libraries Government Documents Department

The Single European Payments Area (SEPA): Implementation Delays and Implications for the United States

Description: This report presents a brief background on the efforts to create the Single European Payments Area (SEPA) by the European government and the banking industry. It assesses the current electronic payments systems from the wholesale (large value) level and the retail (small value) level of payments. The report then examines the attempts to develop the pan- European automated clearinghouse system (PEACH).
Date: May 2, 2008
Creator: Eubanks, Walter W.
Partner: UNT Libraries Government Documents Department

Financial Market Supervision: Canada's Perspective

Description: This report presents an overview of Canada's financial system and its supervisory framework and draws some distinctions between that system and the current U.S. framework.
Date: November 25, 2009
Creator: Jackson, James K.
Partner: UNT Libraries Government Documents Department

An Analysis of the Regulatory Burden on Small Banks

Description: This report explains the concept of regulatory burden and the different ways it can be manifested. It analyzes whether small banks are relatively more burdened by regulation than big banks. To help answer that question, the report looks at the relative treatment of small and large banks in recent major regulatory proposals.
Date: April 22, 2015
Creator: Hoskins, Sean M. & Labonte, Marc
Partner: UNT Libraries Government Documents Department

National Infrastructure Bank: Overview and Current Legislation

Description: Several bills to establish a national infrastructure bank have been introduced in the 112th Congress. This report examines three such bills, the Building and Upgrading Infrastructure for Long-Term Development Act (S. 652), the American Infrastructure Investment Fund Act of 2011 (S. 936), and the National Infrastructure Development Bank Act of 2011 (H.R. 402).
Date: December 14, 2011
Creator: Mallett, William J.; Maguire, Steven & Kosar, Kevin R.
Partner: UNT Libraries Government Documents Department

Multilateral Development Banks: U.S. Contributions FY2000-FY2015

Description: This report shows in tabular form how much the Administration requested and how much Congress appropriated for U.S. payments to the multilateral development banks (MDBs) since 2000. It also provides a brief description of the MDBs and the ways they fund their operations.
Date: November 3, 2015
Creator: Nelson, Rebecca M.
Partner: UNT Libraries Government Documents Department

"Regulatory Relief" for Banking: Selected Legislation in the 114th Congress

Description: This report discusses regulatory relief legislation for banks in the 114th Congress that, at the time this report was published, has seen floor action or has been ordered to be reported by a committee. Many, but not all, of the bills would make changes to the Dodd-Frank Act (P.L. 111-203), wide ranging financial reform enacted in response to the financial crisis.
Date: October 15, 2015
Creator: Hoskins, Sean M.; Gnanarajah, Raj; Labonte, Marc; Murphy, Edward V. & Shorter, Gary
Partner: UNT Libraries Government Documents Department

Who Regulates Whom? An Overview of U.S. Financial Supervision

Description: This report provides an overview of current U.S. financial regulation: which agencies are responsible for which institutions and markets, and what kinds of authority they have. Federal financial regulation in the United States has evolved through a series of piecemeal responses to developments and crises in the markets.
Date: February 24, 2009
Creator: Jickling, Mark & Murphy, Edward V.
Partner: UNT Libraries Government Documents Department

Treasury Proposes Rule that Could Deliver a 'Death Sentence" to Chinese Bank

Description: This report discusses the Treasury Department's Financial Crimes Enforcement Network (FinCEN) proposal to invoke the "Fifth Special Measure" on the Chinese Bank of Dandong for its alleged role in funding and and processing transactions for North Korea's weapons programs.
Date: October 30, 2017
Creator: Carpenter, David H.
Partner: UNT Libraries Government Documents Department

Regulation of Debit Interchange Fees

Description: This report discusses section 735 of the Financial Choice Act (H.R. 10) which would repeal the Durbin Amendment. The Durbin Amendment capped the amount of interchange fees paid by merchants to banks when a customer uses a debit card to pay. The report begins with a description of the debit payments process and network pricing for the four-party system and the three-party system. It summarizes the requirements of Regulation II, which implements the Durbin Amendment. The report concludes with a discussion of some implications of Regulation II for merchants, consumers, and banks as well as with some recent observations.
Date: May 16, 2017
Creator: Getter, Darryl E.
Partner: UNT Libraries Government Documents Department

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 key factors affecting the banking industry, and the FDIC’s role when a bank fails is discussed in this report. The reference section of this issue brief contains a list of CRS products providing background on the FDIC and legislative issues relevant to the agency.
Date: July 14, 1987
Creator: Smale, Pauline
Partner: UNT Libraries Government Documents Department

FDIC's Deposit Insurance Assessments and Reserve Ratio

Description: This report discusses the FDIC's deposit insurance assessments and reserve ratio used to guarantee the repayment of deposits at a bank up to the insured level.
Date: April 4, 2018
Creator: Gnanarajah, Raj
Partner: UNT Libraries Government Documents Department

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.
Partner: UNT Libraries Government Documents Department

S. 2155 and Enhanced Regulation for Large Banks

Description: This report discusses regulations for large banks under the Dodd-Frank Act and recently proposed changes to the regulations proposed in S. 2155.
Date: March 29, 2018
Creator: Labonte, Marc
Partner: UNT Libraries Government Documents Department

The Orderly Liquidation Authority: Reform Proposals

Description: This report discusses the Orderly Liquidation Authority (OLA) which was created by Title II of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203) to allow the Federal Deposit Insurance Corporation (FDIC) to resolve certain failing financial institutions whose collapse could threaten the stability of the financial system. Although OLA has never been used, it has become the subject of a number of reform proposals. This report briefly describes the OLA and two prominent examples of such proposals.
Date: April 17, 2018
Creator: Perkins, David W. & Gnanarajah, Raj
Partner: UNT Libraries Government Documents Department

Banking Policy Issues in the 115th Congress

Description: This report provides an overview of banking related issues of interest to the 115th Congress.
Date: March 7, 2018
Creator: Perkins, David W.
Partner: UNT Libraries Government Documents Department