An amendment en bloc, consisting of several amendments to: Require banks which are authorized to buy or open branches in other states to demonstrate that they are meeting the existing credit needs of the community where they are currently established; prohibit banks with assets of more than $1 billion from expanding to adjoining states if those banks have exhibited a pattern of closing offices in low- and moderate-income locations; require bank regulators to establish a system to test, detect, and correct violations of Fair Lending and Community Reinvestment laws.