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HR 1312 104th Congress House

Freeze on Bank Fees Act of 1995

Official title: To establish a freeze on bank fees for accounts held by average taxpayers.

Introduced: March 23, 1995 Introduced by: Waters, Maxine Democratic · California See on congress.gov
Finance and Financial Sector Bank accountsFees
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This bill died when the 104th Congress ended
It never became law before the 104th Congress (1995–1996) 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
Apr 7, 1995
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Mar 23, 1995
Referred to the House Committee on Banking and Financial Services.
Mar 23, 1995
Introduced in House
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 Latest action April 7, 1995

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

 Plain-English summary Congressional Research Service

Freeze on Bank Fees Act of 1995 - Amends the Federal Deposit Insurance Act to prohibit any insured depository institution from imposing any fee on the average non-corporate taxpayer account ($3,000 or less), for two years, for more than the amount imposed for such fee as of the date of enactment of this 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. 1312: Freeze on Bank Fees Act of 1995. 104th Congress. Open America. https://openamerica.io/bill/104-HR-1312/
MLA
"H.R. 1312: Freeze on Bank Fees Act of 1995." 104th Congress, 2026, Open America, https://openamerica.io/bill/104-HR-1312/.
Bluebook (legal)
H.R. 1312, 104th Cong. (2026), https://openamerica.io/bill/104-HR-1312/.
Markdown link
[H.R. 1312: Freeze on Bank Fees Act of 1995](https://openamerica.io/bill/104-HR-1312/)
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