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HR 4234 102th Congress House

Credit Availability Act

Official title: To amend the Home Owners' Loan Act to provide greater flexibility in meeting capital standards.

Introduced: May 7, 1992 See on congress.gov
Finance and Financial Sector Bank capitalCreditHousing and Community DevelopmentMortgage loans
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Savings and loan associationsStandards
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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 4 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Mar 31, 1992
Subcommittee Hearings Held.
Mar 3, 1992
Referred to the Subcommittee on Financial Institutions Supervision, Regulation and Insurance.
Feb 18, 1992
Referred to the House Committee on Banking, Finance + Urban Affrs.
Feb 18, 1992
Introduced in House
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 Latest action March 31, 1992

Subcommittee Hearings Held.

 Plain-English summary Congressional Research Service

Credit Availability Act - Amends the Home Owners' Loan Act to postpone until after December 31, 1996, the requirement that capital standards for savings associations be no less stringent than those for national banks.

Mandates that the leverage limit for a savings association shall maintained, until January 1, 1997, at a core capital that is equal to (currently, not less than) three percent of its total assets.

Declares that, until January 1, 1997, certain risk-based capital requirements shall be 90 percent of the risk-based capital requirements applicable to national banks.

Outlines the eligibility criteria under which the Director of the Office of Thrift Supervision may grant exemptions from the statutory capital standards for savings associations.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 1
All 1 Democratic 1
D
Kaptur, Marcy
Ohio · May 7, 1992
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 4234: Credit Availability Act. 102nd Congress. Open America. https://openamerica.io/bill/102-HR-4234/
MLA
"H.R. 4234: Credit Availability Act." 102nd Congress, 2026, Open America, https://openamerica.io/bill/102-HR-4234/.
Bluebook (legal)
H.R. 4234, 102nd Cong. (2026), https://openamerica.io/bill/102-HR-4234/.
Markdown link
[H.R. 4234: Credit Availability Act](https://openamerica.io/bill/102-HR-4234/)
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