PUBLIC LAW 101-73 —AUG. 9, 1989 103 STAT. 509 (A) a description of any discernable trends in the cost and availability of retail banking services; and (B) a description of the correlation, if any, between— (i) any increase in the amount of any deposit insurance premium assessed by the Federal Deposit Insurance Corporation against insured depository institutions; (ii) any increase in the amount of the fees imposed by such institutions for providing reteiil banking services; and ^ (iii) any decrease in the availability of such services, (3) SUBMISSION TO CONGRESS. — The Board of Governors of the Reports. Federal Reserve System shall submit— (A) the first annual report required under paragraph (1) not later than June 1, 1990; and (B) each subsequent annual report not later than June 1 of each calendar year beginning after 1990. (c) SUNSET. —The requirements of subsection (a) shall terminate at the end of the 2-year period beginning on the later of— (1) the 5-year period beginning on the date of the enactment of this Act; or (2) the date (if any) during the 2-year period beginning at the end of such 5-year period, on which deposit insurance premiums are increased under section 7 of the Federal Deposit Insurance Act. SEC. 1003. GENERAL ACCOUNTING OFFICE STUDY. (a) IN GENERAL.— The Comptroller General of the United States shall conduct a study of deposit insurance issues raised by section 1001 emphasizing in particular— (1) analysis of the policy considerations affecting the scope of deposit insurance coverage; (2) evEduation of the risks associated with bank insurance contracts both as to the issuing institution and the deposit insurance funds; and (3) the effect of proposed changes in the definition of "deposit" on— (A) market discipline; and (B) the ability of other participants in capital markets to raise funds. (b) REPORT.— Not later than the close of the 18-month period beginning on the date of the enactment of this Act, the Comptroller General shall submit to the Congress the results of the study required by subsection (a). SEC. 1004. STUDY REGARDING CAPITAL REQUIREMENTS FOR GOVERN- MENT-SPONSORED ENTERPRISES. (a) IN GENERAL.—The Comptroller General of the United States shall conduct a study of the risks undertaken by all government- sponsored enterprises and the appropriate level of capital for such enterprises consistent with— (1) the financial soundness and stability of the government- sponsored enterprises; (2) minimizing any potential financial exposure of the Federal Government; and (3) minimizing any potential impact on borrowing of the Federal Government.
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