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H.R. 2547 110th Congress House

FDIC Enforcement Enhancement Act

Official title: To amend the Federal Deposit Insurance Act to prevent misrepresentation about deposit insurance coverage, and for other purposes.

Introduced: May 24, 2007 See on congress.gov
Finance and Financial Sector CommerceDeceptive advertisingDeposit insuranceFederal Deposit Insurance Corporation
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This bill died when the 110th Congress ended
It never became law before the 110th Congress (2007–2008) 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 16 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jul 17, 2007
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Jul 16, 2007
Motion to reconsider laid on the table Agreed to without objection.
Jul 16, 2007
On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H7788)
Jul 16, 2007
Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.(text: CR H7788)
Jul 16, 2007
Considered as unfinished business. (consideration: CR H7819)
Jul 16, 2007
ORDER OF PROCEDURE - Mr. Hastings(FL) asked unanimous consent that the proceedings by which the yeas and nays were ordered on the motion to suspend the rules and pass H.R. 2547, as amended, be vacated to the end that the Chair put the question de novo. Agreed to without objection.
Jul 16, 2007
At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.
Jul 16, 2007
DEBATE - The House proceeded with forty minutes of debate on H.R. 2547.
Jul 16, 2007
Considered under suspension of the rules. (consideration: CR H7788-7789)
Jul 16, 2007
Mr. Sires moved to suspend the rules and pass the bill, as amended.
Jul 16, 2007
Placed on the Union Calendar, Calendar No. 145.
Jul 16, 2007
Reported by the Committee on Financial Services. H. Rept. 110-234.
Jun 26, 2007
Ordered to be Reported by Voice Vote.
Jun 26, 2007
Committee Consideration and Mark-up Session Held.
May 24, 2007
Referred to the House Committee on Financial Services.
May 24, 2007
Introduced in House
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 Latest action July 17, 2007

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

 Plain-English summary Congressional Research Service

FDIC Enforcement Enhancement Act - Amends the Federal Deposit Insurance Act (FDIA) to prohibit use of the terms "Federal Deposit," "Federal Deposit Insurance," "Federal Deposit Insurance Corporation," any combination of such terms, or the abbreviation "FDIC," as part of the business name or firm name of any person or business entity, including any advertisement, solicitation, or other document.

Prohibits use of such terms, or any other sign or symbol as part of a document, to represent, suggest, or imply that any deposit liability, obligation, certificate, or share is insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) if in fact the instrument is not insured or guaranteed by the FDIC.

Prohibits knowing misrepresentations of: (1) the federally insured status of any deposit liability, obligation, certificate, or share; or (2) the extent or the manner in which such instruments are insured by the FDIC.

Grants the FDIC jurisdiction over any person that violates this Act, and certain enforcement authority as if the person were a state nonmember insured bank.

Empowers the FDIC to issue orders requiring: (1) immediate cessation; and (2) affirmative action to prevent any further violation, or to remedy an existing one.

Subjects violations of this Act to civil money penalties.

 Bill text 4 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 2547: FDIC Enforcement Enhancement Act. 110th Congress. Open America. https://openamerica.io/bill/110-HR-2547/
MLA
"H.R. 2547: FDIC Enforcement Enhancement Act." 110th Congress, 2026, Open America, https://openamerica.io/bill/110-HR-2547/.
Bluebook (legal)
H.R. 2547, 110th Cong. (2026), https://openamerica.io/bill/110-HR-2547/.
Markdown link
[H.R. 2547: FDIC Enforcement Enhancement Act](https://openamerica.io/bill/110-HR-2547/)
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