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H.R. 5660

Retail Checking Account Protection Act of 2016

Retail Checking Account Protection Act of 2016

This bill amends the Federal Deposit Insurance Act to provide that the stable retail deposits of an insured depository institution shall not be considered to be funds obtained by or through a deposit broker. Currently, stable retail deposits are considered brokered deposits. As a result, those deposits are subject to restrictions applicable to other brokered deposits, such as prohibitions on undercapitalized banks accepting brokered deposits. This bill would exclude stable retail deposits from those restrictions.

Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral.

Rep. Williams, Roger [R-TX-25](R-TX)Sponsor
1 cosponsor1 D
1cosponsors1committees4actions2related bills2subjects
  1. Committee

    Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral.

    Consumer Protection and Financial Institutions Subcommittee
  2. IntroReferralH11100

    Referred to the House Committee on Financial Services.

    Financial Services Committee
  3. IntroReferralIntro-H

    Introduced in House

  4. IntroReferral1000

    Introduced in House

Retail Checking Account Protection Act of 2016 — Informed