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HR 1306 105th Congress House

Riegle-Neal Amendments Act of 1997

Official title: An Act to amend Federal law to clarify the applicability of host State laws to any branch in such State of an out-of-State bank, and for other purposes.

Introduced: April 30, 1997 See on congress.gov
Finance and Financial Sector Bank mergersBanking lawBranch bankingCivil Rights and Liberties, Minority Issues
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CommerceCommunity development bankingCongressCongressional reporting requirementsConsumer creditConsumer protectionDeposit insuranceDiscrimination in consumer creditEconomics and Public FinanceFederal preemptionGovernment Operations and PoliticsInterest ratesInterstate bankingState laws
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 Everywhere this bill has been 29 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jul 3, 1997
Became Public Law No: 105-24.
Jul 3, 1997
Signed by President.
Jun 26, 1997
Presented to President.
Jun 24, 1997
Motion to reconsider laid on the table Agreed to without objection.
Jun 24, 1997
On motion that the House agree to the Senate amendments Agreed to without objection. (consideration: CR H4230-4231)
Jun 24, 1997
Resolving differences -- House actions: On motion that the House agree to the Senate amendments Agreed to without objection.(consideration: CR H4230-4231)
Jun 24, 1997
Mrs. Roukema asked unanimous consent that the House agree to the Senate amendments.
Jun 16, 1997
Message on Senate action sent to the House.
Jun 12, 1997
Passed Senate with amendments and an amendment to the Title by Unanimous Consent.
Jun 12, 1997
Passed/agreed to in Senate: Passed Senate with amendments and an amendment to the Title by Unanimous Consent.
Jun 12, 1997
Amendment SP 373 agreed to in Senate by Unanimous Consent.
Jun 12, 1997
Amendment SP 373 proposed by Senator Santorum for Senator Feingold.
Jun 12, 1997
Amendment SP 372 agreed to in Senate by Unanimous Consent.
Jun 12, 1997
Measure laid before Senate. (consideration: CR S5637-5639)
Jun 12, 1997
Amendment SP 372 proposed by Senator Santorum for Senator Sarbanes.
May 22, 1997
Read the second time. Placed on Senate Legislative Calendar under General Orders. Calendar No. 58.
May 21, 1997
Received in the Senate. Read the first time. Placed on Senate Legislative Calendar under Read the First Time.
May 21, 1997
Motion to reconsider laid on the table Agreed to without objection.
May 21, 1997
On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.
May 21, 1997
Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.
May 21, 1997
DEBATE - The House proceeded with forty minutes of debate.
May 21, 1997
Considered under suspension of the rules. (consideration: CR H3088-3095)
May 21, 1997
Mrs. Roukema moved to suspend the rules and pass the bill, as amended.
May 7, 1997
Forwarded by Subcommittee to Full Committee (Amended) by Voice Vote.
May 7, 1997
Subcommittee Consideration and Mark-up Session Held.
Apr 30, 1997
Subcommittee Hearings Held.
Apr 25, 1997
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Apr 10, 1997
Referred to the House Committee on Banking and Financial Services.
Apr 10, 1997
Introduced in House
 Amendments to this bill 2

Amendments propose changes to this bill. Members vote on amendments separately before the final bill vote. An agreed amendment becomes part of the bill; a failed amendment does not.

2 agreed to

AmendmentSponsorPurposeStatusLatest action
SAMDT 373 – To maintain the right of a State to opt out of DIDA. Agreed to Jun 12, 1997
SAMDT 372 – To amend provisions relating to the applicability of State and Federal law to interstate branching operations… Agreed to Jun 12, 1997
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 Latest action July 3, 1997

Became Public Law No: 105-24.

 Plain-English summary Congressional Research Service

Riegle-Neal Amendments Act of 1997 - Amends the Federal Deposit Insurance Act (FDIA) to declare that: (1) the laws of a host State (including laws on community reinvestment, consumer protection, fair lending, and establishment of intrastate branches) shall apply to any out-of-State bank branch in that State to the same extent as such laws apply to a branch in the host State of an out-of-State national bank; and (2) an insured State bank that establishes a branch in a host State may conduct any activity permissible under the laws of its home State if such activity is permissible for a bank chartered by the host State, or for a branch in the host State of an out-of-State national bank.

States that, to the extent host State law does not apply to an out-of-State bank branch, the home State law shall apply.

Precludes construction of this Act as affecting the applicability of: (1) any State law of any home State under certain statutory guidelines governing FDIA approval of authorized interstate merger transactions; or (2) Federal law to State banks and State bank branches in either the home State or the host State.

Amends the Revised Statutes to require the Comptroller of the Currency to review the actions it has taken during the preceding year regarding the applicability of State law to national banks, and include review results in its annual report. Requires the first review to encompass all such actions taken on or before January 1, 1992.

Declares that this Act does not alter the right of States to opt out of certain interest rate requirements of the Depository Institutions Deregulation and Monetary Control Act of 1980.

 Bill text 6 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 2
All 2 Democratic 1 Republican 1
D
Schumer, Charles E.
New York · Apr 30, 1997
 R
Smith, Christopher H.
New Jersey · Apr 10, 1997
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APA
U.S. Congress. (2026). H.R. 1306: Riegle-Neal Amendments Act of 1997. 105th Congress. Open America. https://openamerica.io/bill/105-HR-1306/
MLA
"H.R. 1306: Riegle-Neal Amendments Act of 1997." 105th Congress, 2026, Open America, https://openamerica.io/bill/105-HR-1306/.
Bluebook (legal)
H.R. 1306, 105th Cong. (2026), https://openamerica.io/bill/105-HR-1306/.
Markdown link
[H.R. 1306: Riegle-Neal Amendments Act of 1997](https://openamerica.io/bill/105-HR-1306/)
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