An en bloc amendment consisting of several amendments to do the following: 1. Phase out over three years the existing restrictions on interstate banking and interstate branching for banks that maintain a capital/assets ratio of at least 6% and an overall ratio of at least 8% (Bank regulators would be permitted to set higher minimum capital requirements but would not be able to reduce them.); 2. Limit interstate bank mergers and acquisitions to restrict any one bank from holding more than 10% of all insured deposits held by depository institutions nationwide, or more than 30% of the insured deposits in a single state; 3. Permit states to enact legislation to opt out of the provisions of the bill; 4. Prohibit interstate sale of insurance by state banks without the specific authorization of the recipient state; 5. Permit such interstate insurance activities in existance prior to enactment of the bill, provided they were lawful and not subject to legal challenge as of June 1, 1991; 6. Clarifies that national banks may sell insurance only from offices in towns with a population of 5,000 or less; 7. Prohibit national banks or their subsidiaries from future underwriting and selling of title insurance; 8. Prevents federal bank regulators from permitting banks or subsidiaries from engaging in real estate investment, management, or developmen., or acting as a real estate principle or broker.