Depository institutions deregulation act of 1979: hearings before the Subcommittee on Financial Institutions of the Committee on Banking, Housing, and Urban Affairs, United States Senate, Ninety-sixth Congress, first session, on S. 1347 ....U.S. Government Printing Office, 1979 |
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... tions of May 30 ; third , misleading advertising regarding which the Federal regulatory bodies are taking no effective action ; and fourth answer your questions with regard to the inflation fighter certifi- cate for the elderly . We ...
... tions of May 30 ; third , misleading advertising regarding which the Federal regulatory bodies are taking no effective action ; and fourth answer your questions with regard to the inflation fighter certifi- cate for the elderly . We ...
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... tions . ( First National Bank of Boston v . Bellotti , 98 S. Ct . 1407 ( 1978 ) ; see also Buckley v . Valeo , 96 S. Ct . 612 ( 1976 ) . ) As set forth in Section V , Recommendations , we urge this subcommittee to introduce legislation ...
... tions . ( First National Bank of Boston v . Bellotti , 98 S. Ct . 1407 ( 1978 ) ; see also Buckley v . Valeo , 96 S. Ct . 612 ( 1976 ) . ) As set forth in Section V , Recommendations , we urge this subcommittee to introduce legislation ...
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... tions required savers to maintain big balances to get the top interest offered by certain certificates of deposit ... tion 57A ( f ) ) to adopt their slogan " savings may be hazardous to your wealth . " In the alternative , the Gray ...
... tions required savers to maintain big balances to get the top interest offered by certain certificates of deposit ... tion 57A ( f ) ) to adopt their slogan " savings may be hazardous to your wealth . " In the alternative , the Gray ...
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... tions will be tied to standards and procedures that will be obsolete . In our view , this conflicts with the well ... tion to the income loss effects , we feel that substantial numbers of persons may actually terminate their membership ...
... tions will be tied to standards and procedures that will be obsolete . In our view , this conflicts with the well ... tion to the income loss effects , we feel that substantial numbers of persons may actually terminate their membership ...
15 페이지
... tions will be tied to standards and procedures that will be obsolete . In our view , this conflicts with the well ... tion to the income loss effects , we feel that substantial numbers of persons may actually terminate their membership ...
... tions will be tied to standards and procedures that will be obsolete . In our view , this conflicts with the well ... tion to the income loss effects , we feel that substantial numbers of persons may actually terminate their membership ...
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asset powers authority balances bill billion ceiling rates Chairman commercial banks Committee competitive CONGRESS THE LIBRARY consumer lending consumer loans cost deposit interest rate depository institutions disintermediation earnings effect elderly elimination Federal credit unions Federal Home Loan financial institutions financial reform Gnaizda Gray Panthers Home Loan Bank housing impact increase Institutions Deregulation Act insured interest rate ceilings investment issue legislation lenders LIBRARY OF CONGRESS loan associations Loan Bank Board market rates money market certificates mortgage credit mortgage finance mortgage interest rates mortgage loans mortgage-backed securities mutual savings banks N/L-over National Credit Union passbook passbook savings percent period permit phase-out President problems proposed rate control rate of return Regulation Q reserve requirements return on assets S&Ls savings accounts savings and loan savings deposits Senator CRANSTON Senator PROXMIRE share draft accounts share draft programs small saver Subcommittee thrift institutions tions transactions accounts Treasury usury ceilings usury laws VRMS
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89 페이지 - I welcome this opportunity to present the views of the Office of the Comptroller of the Currency on S.1347, "The Depository Institutions Deregulation Act of 1979.
110 페이지 - Currency, the Board of Governors of the Federal Reserve Board, the Federal Deposit Insurance Corporation, the National Credit Union Administration and the Office.
64 페이지 - Banks and commercial banks, and (3) to such extent as the Board may so approve, such obligations, including such special obligations, of the United States, a State, any territory or possession of the United States, or a political subdivision, agency, or instrumentality of any one or more of the foregoing, and bankers' acceptances, as the Board may approve.
163 페이지 - Funds deposited or held in trust by the bank awaiting investment shall be carried in a separate account and shall not be used by the bank in the conduct of its business unless it shall first set aside in the trust department United States bonds or other securities approved by the Federal Reserve Board.
66 페이지 - Moreover, by reducing depository institutions' ability to compete for funds, ceilings subject such institutions to significant periods of disintermediation whenever market interest rates are cyclically high. However, while the elimination of deposit rate ceilings is by itself highly desirable, this process must be a gradual one. Many of the factors that caused Congress to establish the framework for coordinated rate ceilings in 1966 are still at work. Thrift institutions, because of constraints on...
1 페이지 - Dirksen Senate Office Building, Senator Alan Cranston (chairman of the subcommittee) presiding. Present: Senators Cranston, Dixon, Sasser, Sanford, and D'Amato.
67 페이지 - Government securities. These instruments are broadly designed to key permissible deposit rates of return to the market and the Board sees no reason for including them under the proposed legislation. Indeed, under the scheduled phaseout/ ceilings on MMC's would quickly rise above the rates on corresponding Treasury instruments— which is tantamount to removing ceilings on these deposits and ignoring the problems of the transition period which otherwise have been so carefully addressed in the bill.
145 페이지 - Nation's financial institutions, including commercial banks, savings and loan associations, mutual savings banks, and credit unions.
64 페이지 - Act shall maintain the aggregate amount of its assets of the following types at not less than such amount as, in the opinion of the Board, is appropriate: (1) cash, (2) to such extent as the Board may approve for the purposes of this section, time and savings deposits...
67 페이지 - ... broadened asset powers, portfolio returns at thrifts might not rise as rapidly as deposit costs— leading to serious earnings squeezes at a sizable number of individual institutions. Prudence could suggest delaying an increase in ceiling rates at one or more points in the transition period to give portfolio returns a chance to catch up to deposit costs.