108 STAT. 2338 PUBLIC LAW 103-328—SEPT. 29, 1994 Public Law 103-328 103d Congress Sept. 29, 1994 [H.R. 3841] Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994. 12 USC 1811 note. An Act To amend the Bank Holding Company Act of 1956, the Revised Statutes of the United States, and the Federal Deposit Insurance Act to provide for interstate banking and branching. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE; TABLE OF CONTENTS. (a) SHORT TITLE.— This Act may be cited as the "Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994". (b) TABLE OF CoNTE^^^s.— The table of contents for this Act is as follows: Sec. Sec. Sec. Sec. Sec. Sec. Sec. Sec. Sec. Sec. Sec. Sec. Sec. Sec. Sec. 101. 102. 103. 104. 105. 106. 107. 108. 109. 110. 111. 112. 113. 114. 115. Sec. 201. Sec. Sec. Sec. Sec. Sec. Sec. Sec. Sec. Sec. Sec. 202, 203. 204, 205, 206. 207, 208. 209. 210. 21L TITLE I—INTERSTATE BANKING AND BRANCHING Interstate banking. Interstate bank mergers. State "opt-in" election to permit interstate branching through de novo bra nches. Branching by foreign banks. Coordination of examination authority. Branch closures. Equalizing competitive opportunities for United States and foreign banks. Federal Reserve Board study on bank fees. Prohibition against deposit production offices. Community Reinvestment Act evaluation of banks with interstate branches. Restatement of existing law. GAO report on data collection under interstate branching. Maximum interest rate on certain FMHA loans. Notice requirements for banking agency decisions preempting State law. Moratorium on examination fees under the International Banking Act of 1978. TITLE II—GENERAL PROVISIONS Amendments to Federal Deposit Insurance Act and Federal Home Loan Bank Act. Sense of the Senate concerning multilateral export controls. Amendments relating to silver medals for Persian Gulf veterans. Commemoration of 1995 Special Olympic World Games. National Community Service Commemorative Coins. Robert F. Kennedy Memorial Commemorative Coins. United States Military Academy Bicentennial Commemorative Coins. United States Botanic Garden Commemorative Coins. Mount Rushmore Commemorative Coins. Study and report on the United States financial services system. Flexibility in choosing boards of directors.
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