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HR 2176 102th Congress House

Deposit Insurance Modification Act of 1991

Official title: To amend the Federal Deposit Insurance Act to modify deposit insurance coverage for depository institutions.

Introduced: May 1, 1991 Introduced by: Neal, Richard E. Democratic · Massachusetts See on congress.gov
Finance and Financial Sector Deposit insuranceEmployee benefit plansInterest rates
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This bill died when the 102nd Congress ended
It never became law before the 102nd Congress (1991–1992) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
May 15, 1991
Referred to the Subcommittee on Financial Institutions Supervision, Regulation and Insurance.
May 1, 1991
Referred to the House Committee on Banking, Finance + Urban Affrs.
May 1, 1991
Introduced in House
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 Latest action May 15, 1991

Referred to the Subcommittee on Financial Institutions Supervision, Regulation and Insurance.

 Plain-English summary Congressional Research Service

Deposit Insurance Modification Act of 1991 - Amends the Federal Deposit Insurance Act to exclude from the definition of "insured deposit" certain deposits which: (1) obligate the depository institution to credit interest at a guaranteed rate specified in, or determined pursuant to, the contract with respect to deposits made after the initial deposit; or (2) permit any pre-maturity withdrawal without a substantial penalty.

Defines "employee benefit plan" and "substantial penalty" for purposes of such Act.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
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APA
U.S. Congress. (2026). H.R. 2176: Deposit Insurance Modification Act of 1991. 102nd Congress. Open America. https://openamerica.io/bill/102-HR-2176/
MLA
"H.R. 2176: Deposit Insurance Modification Act of 1991." 102nd Congress, 2026, Open America, https://openamerica.io/bill/102-HR-2176/.
Bluebook (legal)
H.R. 2176, 102nd Cong. (2026), https://openamerica.io/bill/102-HR-2176/.
Markdown link
[H.R. 2176: Deposit Insurance Modification Act of 1991](https://openamerica.io/bill/102-HR-2176/)
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