TABLE OF CONTENTS.

SEC. 1601. TABLE OF CONTENTS.Section 1 of the Federal Deposit Insurance Corporation Improvement Act of 1991 is amended to read as follows: “SECTION 1. SHORT TITLE; TABLE OF CONTENTS. “(a) Short Title.—This Act may be cited as the ‘Federal Deposit Insurance Corporation Improvement Act of 1991’. “(b) Table of Contents.— “Sec. 1. Short title; table of contents. “TITLE I— SAFETY AND SOUNDNESS “Subtitle A— Deposit Insurance Funds “Sec. 101. Funding for the Federal deposit insurance funds. “Sec. 102. Limitation on outstanding borrowing. “Sec. 103. Repayment schedule. “Sec. 104. Recapitalizing the Bank Insurance Fund. “Sec. 105. Borrowing for BIF from BIF members. “Subtitle B— Supervisory Reforms “Sec. 111. Improved examinations. “Sec. 112. Independent annual audits of insured depository institutions. “Sec. 113. Assessments required to cover costs of examinations. “Sec. 114. Examination and supervision foes for national banks and savings associations. “Sec. 115. Application to FDIC required for insurance. “Subtitle C— Accounting Reforms “Sec. 121. Accounting objectives, standards, and requirements. “Sec. 122. Small business and small farm loan information. “Sec. 123. FDIC property disposition standards. “Subtitle D— Prompt Corrective Action “Sec. 131. Prompt corrective action. “Sec. 132. Standard for safety and soundness. “Sec. 133. Conservatorship and receivership amendments to facilitate prompt corrective action. “Subtitle E— Least-Cost Resolution “Sec. 141. Least-cost resolution. “Sec. 142. Federal Reserve discount window advances. “Sec. 143. Early resolution. “Subtitle F— Depository Institutions Lacking Federal Deposit Insurance “Sec. 151. Depository institutions lacking Federal deposit insurance. “Subtitle G— Technical Corrections “Sec. 161. Technical corrections and clarifications. “TITLE II— REGULATORY IMPROVEMENT “Subtitle A— Regulation of Foreign Banks “Sec. 201. Short title. “Sec. 202. Regulation of foreign bank operations. “Sec. 203. Conduct and coordination of examinations. “Sec. 204. Supervision of the representative offices of foreign banks. “Sec. 205. Reporting of stock loans. 106 STAT. 4076 “Sec. 206. Cooperation with foreign supervisors. “Sec. 207. Approval required for acquisition by foreign banks of shares of United States banks. “Sec. 208. Penalties. “Sec. 209. Power» of agencies respecting applications, examinations, and other proceedings. “Sec. 210. Clarification of managerial standards in Bank Holding Company Act of 1956. “Sec. 211. Standards and factors in the Home Owners* Loan Act “Sec. 212. Authority of Federal banking agencies to enforce consumer statutes. “Sec. 213. Criminal penalty for violating the International Banking Act of 1978. “Sec. 214 , Miscellaneous amendments to the International Banking Act of 1978. “Sec. 215. Study and report on subsidiary requirements for foreign banks. “Subtitle B— Customer and Consumer Provisions “Sec. 221. Study on regulatory burden. “Sec. 222. Discussion of lending data. “Sec. 223. Enforcement of Equal Credit Opportunity Act. “Sec. 224. Home Mortgage Disclosure Act. “Sec. 225. Notice of safeguard exception. “Sec. 226. Delegated processing. “Sec. 227. Deposits at nonproprietary automated teller machines. “Sec. 228. Notice of branch closure. “Subtitle C— Bank Enterprise Act “Sec. 231. Short title. “Sec. 232. Reduced assessment rate for deposits attributable to lifeline accounts. “Sec. 233. Assessment credits for qualifying activities relating to distressed communities. “Sec. 234. Community development organizations. ‘Subtitle D— FDIC Property Disposition “Sec. 241. FDIC affordable housing program. “Subtitle E— Whistleblower Protections “Sec. 251. Additional whistleblower protections. ‘Subtitle F— Truth in Savings “Sec. 261. Short title. “Sec. 262. Findings and purpose. “Sec. 263. Disclosure of interest rates and terms of accounts. “Sec. 264. Account schedule. “Sec. 265. Disclosure requirements for certain accounts. “Sec. 266. Distribution of schedules. “Sec. 267. Payment of interest. “Sec. 268. Periodic statements. “Sec. 269. Regulations. ‘Sec. 270. Administrative enforcement, “Sec. 271. Civil liability. “Sec. 272. Credit unions. “Sec. 273. Effect on State law. “Sec. 274. Definitions. “TITLE III— FEDERAL DEPOSIT INSURANCE REFORM “Subtitle A— Activities “Sec. 301. limitations on brokered deposits and deposit solicitations. “Sec. 302. Risk-baaed assessments. “Sec. 303. Restrictions on insured State bank activities. ‘Sec. 304. Restrictions on real estate lending. “Sec. 306. Improving capital standards. “Sec. 306. Safeguards against insider abuse. “Sec. 307. FDIC back-up enforcement authority. ‘Sec. 308. Interbank liabilities. “Subtitle B— Coverage “Sec. 311. Deposit and pass-through insurance. “Sec. 312. Foreign deposits. ‘Sec. 313. Penalty for false assessment reports. ‘Subtitle C— Demonstration Project and Studies “Sec. 321. Feasibility study on authorizing insured and uninsured deposit accounts. 106 STAT. 4077 “Sec. 322. Private reinsurance study. TITLE IV— MISCELLANEOUS PROVISIONS “Subtitle A— Payment System Risk Reduction “Sec. 401. Findings and purpose. “Sec. 402. Definitions. ‘Sec. 403. Bilateral netting. “Sec. 404. Clearing organization netting. “Sec. 405. Preemption. “Sec. 406. Relationship to other payments systems. “Sec. 407. National emergencies. “Subtitle B— Right to Financial Privacy Act of 1978 “Sec. 411. Amendments to the Right to Financial Privacy Act of 1978. “Subtitle C— Final Settlement Payment Procedure “Sec. 416. Final settlement payment procedure. “Subtitle D— Miscellaneous Committees, Studies, and Reports “Sec. 421. Amendments relating to Federal Reserve Board reserve requirements. “Sec. 422. Permanent authorization of Credit Standards Advisory Committee. “Subtitle E— Utilization of Private Sector “Sec. 426. Utilization of private sector. “Sec. 427. Reporting. “Subtitle F— Emergency Assistance for Rhode Island “Sec. 431. Emergency loan guarantee. “Subtitle G— Qualified Thrift Lender Test Improvements “Sec. 436. Short title. “Sec. 437. Adjustment of compliance periods for purposes of qualified thrift lender test ‘Sec. 438. Increase in amount of liquid assets excludable from portfolio assets. “Sec. 439. Additional investments included in definition of qualified thrift assets. “Sec. 440. Prudent diversification of assets. “Sec. 441. Consumer lending by Federal savings associations. “Subtitle H— Prohibition on Entering Secrecy Agreements and Protective Orders “Sec. 446. Prohibition on entering into secrecy agreements and protective orders. “Subtitle I— Bank and Thrift Employee Provisions “Sec. 461. Continuation of health plan coverage in cases of failed financial institutions. “Subtitle J— Sense of the Congress Regarding the Credit Crisis “Sec. 456. Credit crunch. “Subtitle K— Acquisition of Insolvent Savings Associations “Sec. 461. Acquisition of insolvent savings associations. “Subtitle L— Creditability of Service “Sec. 466. Creditability of service. “Subtitle M— Other Miscellaneous Provisions “Sec. 471. Providing services to insured depository institutions. “Sec. 472. Real estate appraisals. “Sec. 473. Emergency liquidity. “Sec. 474. Discrimination against reorganized debtors, “Sec. 475. Purchased mortgage servicing rights. “Sec. 476. Limitation on securities private rights of action. “Sec. 477. Modified small business lending disclosure. “Sec. 478. Special insured deposits. “Subtitle N— Severability “Sec. 481. Severability. 106 STAT. 4078 TITLE V— DEPOSITORY INSTITUTION CONVERSIONS “Sec. 501. Merger« and acquisitions of insured depository institutions during con-version moratorium. ‘Sec. 502. Mergers, consolidations, and other acquisitions authorized.”.