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43 Document(s) [ Subject: Banks%20and%20banking ]

Committee:	House Investments and Financial Services
Title:	Interim Report
Subjects:	Banks and banking | Consumer credit and debt | Credit reports | Credit scoring | Electronic security | Emergency management | Home equity loans | Hurricane Harvey | Mortgage brokers | Mortgages | Natural disasters |
Library Call Number:	L1836.85 In9
Session:	85th R.S. (2017)
Online version:	View report [42 pages]
Charges:	This report should address the charges below.
1.	Review the impact of Hurricane Harvey on financial institutions in Texas and evaluate the response of the state's oversight agencies. Study how Harvey impacted consumers and lenders in the mortgage and home equity markets. Identify opportunities to improve the operational stability of financial institutions and to improve the state's responsiveness following a natural disaster.
2.	Study the impact and risks that a large-scale security breach of a credit bureau has on Texans. Identify opportunities to protect Texas consumers and to mitigate the impact of such a breach.
3.	Examine mortgage licensure requirements in Texas and identify opportunities to update statute to fit modern mortgage options.
4.	Study policy challenges in the area of financial technology. Evaluate the concept of a "sandbox" as a regulatory approach for enabling innovation and the feasibility of implementing such in Texas. If appropriate, make recommendations for possible legislative action to foster innovation in the finance industry.
5.	Monitor the agencies and programs under the Committee’s jurisdiction and oversee the implementation of relevant legislation passed by the 85th Legislature.
Supporting documents
Committee:	House Investments and Financial Services
Title:	Committee meeting handouts and testimony, January 31, 2018 (Hurricane Harvey, mortgage licensure)
Library Call Number:
Session:	85th R.S. (2017)
Online version:	View document [73 pages  File size: 5,637 kb]
Committee:	House Investments and Financial Services
Title:	Committee meeting handouts and testimony, April 24, 2018 (cryptocurrency and blockchain, credit bureau security breach, sandbox regulation)
Library Call Number:
Session:	85th R.S. (2017)
Online version:	View document [99 pages  File size: 4,693 kb]
Committee:	House Investments and Financial Services
Title:	Interim Report
Subjects:	Banks and banking | Business climate | Consumer Credit Commissioner, Office of | Credit service organizations | Elder abuse | Electronic security | Financial investments | Fraud | Loans | Senior citizens | Subprime lending |
Library Call Number:	L1836.84 IN9
Session:	84th R.S. (2015)
Online version:	View report [68 pages]
Charges:	This report should address the charges below.
1.	Study the current state of cybersecurity of financial institutions in Texas. Review state and federal laws, and evaluate what additional steps need to be taken to make financial institutions in Texas more secure.
2.	Examine the short-term lending industry in Texas. Study the adequacy of consumer access to credit and the effectiveness of consumer protections, specifically reviewing the consistency and coordination of state law with federal law and local ordinances. Review data-reporting requirements for credit-access businesses and make appropriate recommendations.
3.	Evaluate what policies are currently in place to prevent the financial exploitation and financial abuse of aging Texans, and determine what changes need to be made to strengthen protections for this vulnerable population.
4.	Study the impact on local communities when community banks are consolidated and how this changes the landscape of banking in Texas. Evaluate how the state can help expand charter opportunities in Texas.
5.	Examine the current investment climate and resources available to businesses in Texas. Analyze the effectiveness of existing programs and whether current investment tools are bringing new businesses and new jobs to Texas, and determine whether the current programs are helping established businesses in Texas create jobs. Identify barriers to investment opportunities faced by businesses and investors. This analysis should include but not be limited to: angel investing, crowdfunding, micro-lending, private equity, venture capital, and mezzanine investing. Make appropriate recommendations to ensure investment tools in Texas continue to evolve to help bring jobs to Texas and meet the needs of new and existing businesses in Texas.
6.	Conduct legislative oversight and monitoring of the agencies and programs under the committee's jurisdiction and the implementing of relevant legislation passed by the 84th Legislature. In addition to general oversight, the Committee should specifically: a. consider any reforms to state agencies to make them more responsive to Texas taxpayers and citizens; b. identify issues regarding the agency or its governance that may be appropriate to investigate, improve, remedy, or eliminate; c. determine whether an agency is operating in a transparent and efficient manner; and d. identify opportunities to streamline programs and services while maintaining the mission of the agency and its programs.
Supporting documents
Committee:	House Investments and Financial Services
Title:	Committee meeting handouts and testimony, April 12, 2016 (Cyber security, investment climate, community banking)
Library Call Number:
Session:	84th R.S. (2015)
Online version:	View document [312 pages  File size: 12,444 kb]
Committee:	House State Affairs
Title:	Interim Report
Subjects:	Banks and banking | Economy | Electric meters | Electric utility rates and charges | Electronic security | Emergency management | Fetal rights | Medical ethics | Natural disasters | Organ and tissue donations | Organized labor | Public Utility Commission of Texas | State employees | State government contracts | State purchasing | Telephone service | Undocumented immigrants | Universal Service Fund | Utility service | Water and sewer utilities |
Library Call Number:	L1836.84 St29h
Session:	84th R.S. (2015)
Online version:	View report [78 pages]
Charges:	This report should address the charges below.
1.	Study if the state's infrastructure is adequately prepared for disasters, whether man-made or natural. Include preparedness assessments of the maintenance and recovery of vital infrastructure such as transportation and utility systems.
2.	Examine procedures regarding contract monitoring, compliance, performance evaluation and notification requirements for state contracting procedures. Include recommendations to determine a "best value" for the state and prevent conflicts of interests. Evaluate guidelines regarding the state's participation in contracts funded by grants and suggest methods to ensure the best use of taxpayer funds.
3.	Determine if the state has sufficient authority and the tools to ensure continued operation of the state's government and economy under existing budgetary and statutory authority. Make contingency recommendations to prevent collapse in the event of an economic disaster.
4.	Study the policies used by research and medical entities to adhere to the highest ethical standards for acquiring human fetal tissue for medical and scientific purposes. Specifically, review compliance to ensure informed consent and that all state and federal laws sufficiently respect the dignity of the human body. Study criteria for which persons have standing when giving consent for the use of fetal remains and to investigate potential violations of state laws regulating organ/tissue donation. Determine whether additional disclosure and reporting requirements are necessary to ensure moral and ethical research practices. Review practices and statutes in other states regarding fetal tissue harvesting.
5.	Study support mechanisms for the Small and Rural Incumbent Local Exchange Carrier - Universal Service Fund. Consider alternative funding mechanisms as well as necessary statutory changes to ensure reasonable cost of basic local phone service in high cost, rural areas without expanding the size of the Texas Universal Service Fund.
6.	Evaluate the administrative process used to determine utility rates. Consider if sufficient opportunities exist to ensure customer representation. Also determine if additional legislative guidance is needed to ensure public notification and participation.
7.	Examine how the Public Utility Commission of Texas, when applicable, and utility providers, whether vertically integrated, privately owned, or municipally owned, can ensure consumer protection regarding metering devices for water, gas, and electricity service. Review recent examples of inaccurate or confusing billings and offer recommendations on appropriate consumer recourse and appeal. In addition, assess utility procedures regarding meter installation.
8.	Examine state and local laws applicable to undocumented immigrants throughout the State of Texas and analyze the effects of those laws in conjunction with federal immigration laws and the policies and practices followed by U.S. Immigration and Customs Enforcement.
9.	Examine payroll deductions from state or political subdivision employees for the purpose of labor organization membership dues or fees as well as charitable organization and nonprofit contributions. Determine if this process is an appropriate use of public funds.
10.	Monitor the impact of major State Affairs legislation passed by the 84th Legislature, including updates regarding recent contracting reforms. Conduct legislative oversight and monitoring of the agencies and programs under the committee's jurisdiction and the implementing of relevant legislation passed by the 84th Legislature. In conducting this oversight, the committee should: a. consider any reforms to state agencies to make them more responsive to Texas taxpayers and citizens; b. identify issues regarding the agency or its governance that may be appropriate to investigate, improve, remedy, or eliminate; c. determine whether an agency is operating in a transparent and efficient manner; and d. identify opportunities to streamline programs and services while maintaining the mission of the agency and its programs.
Committee:	Senate Finance
Title:	Interim Report
Library Catalog Title:	Interim charge recommendations to the 80th Legislature
Subjects:	Banks and banking | Driver Responsibility Program | Emergency medical services | Federal funds | Health care costs | Indigent health care | Medicaid | Medicaid fraud | Money transfers | Transportation planning | Transportation, Texas Department of | Trauma Facilty/EMS account |
Library Call Number:	L1836.79 F49
Session:	79th R.S. (2005)
Online version:	View report [62 pages  File size: 16,186 kb]
Charges:	This report should address the charges below.
1.	Review health care funding, focusing on the Medicaid program, Medicare Part D, hospital reimbursements and trauma and indigent care.
2.	Study the method through which fees are collected under the Driver's Responsibility Program in order in maximize the amount of money for trauma funding and transportation. Look specifically at collection rates and develop means to enhance them.
3.	Determine the number of commercial and consumer transactions, including wire transfers, that occur in Texas. Determine the amount of monies that are sent internationally from Texas. Study the feasibility of creating a pilot program in Harris County that captures a percentage of revenues from such transactions, and request an Opinion from the Attorney General's Office to pursue these revenues as a potential source for health care funding.
4.	Review the process by which the Texas Department of Transportation Commission allocates funds to the districts through the Allocation Program. Include a description of all scoring mechanisms used in making allocations of resources and make recommendations for maximizing the use of these funds to meet Legislative objectives. Joint Charges with Senate Transportation & Homeland Security Committee.
5.	Review the process by which the Texas Department of Transportation Commission determines which federal funding sources should be implemented to comply with funding reductions mandated by Congress. Assess the Commission's options for determining how projects that were to be funded out of these reduced revenue sources will be funded this biennium. Joint Charges with Senate Transportation & Homeland Security Committee.
Committee:	House Financial Institutions
Title:	Interim Report
Library Catalog Title:	House Committee on Financial Institutions, Texas House of Representatives interim report, 2006
Subjects:	Banks and banking | Consumer Credit Commissioner, Office of | Credit Union Department | Department of Banking, Texas | Finance Commission of Texas | Foreclosures | Fraud | Mortgage brokers | Mortgages | Savings and Loan Department, Texas | Subprime lending |
Library Call Number:	L1836.79 F49h
Session:	79th R.S. (2005)
Online version:	View report [81 pages  File size: 20,202 kb]
Charges:	This report should address the charges below.
1.	Examine the feasibility and impact of consolidating the state financial regulatory agencies which include the Office of the Consumer Credit Commissioner, Texas Department of Banking, Department of Savings and Mortgage Lending (formerly Texas Savings and Loan Department) and the Texas Credit Union Department.
2.	Evaluate predatory lending practices involved with subprime mortgage lending within the state, primarily in the border counties, including: Study the patterns of mortgage fraud and develop statutory changes to reduce incidences of mortgage fraud and punish violators. Study the relationship between mortgage brokers and residential borrowers including: whether or not the mortgage broker is the agent of the residential borrower: the types of disclosures which should be required; and, the sources and nature of compensation.
Committee:	Senate Business and Commerce
Title:	Interim Report
Library Catalog Title:	Interim report to the 78th Texas Legislature / Senate Committee on Business and Commerce, Subcommittee on Local Lending Practices.
Subjects:	Banks and banking |
Library Call Number:	L1836.77 B963L
Session:	77th R.S. (2001)
Online version:	View report [179 pages  File size: 9,589 kb]
Charge:	This report should address the charge below.
1.	Monitor trends in local lending practices in all regions of the state. The Committee shall determine if the legislature should develop strategies to retain bank deposits made by public institutions in Texas communities, increase the number of bank "decision making" centers in Texas, increase the loan-to-deposit ratio in Texas, and develop incentives for lending institutions to locate in all areas of the state.
Committee:	Senate Business and Commerce
Title:	Interim Report - Minority Report
Library Catalog Title:	Report of the subcommittee of the Senate Business and Commerce Committee on interim charge #4, lending practices and access to credit and capital / submitted to Troy Fraser, acting chair, Senate Business and Commerce Committee.
Subjects:	Banks and banking |
Library Call Number:	L1836.77 B963LMR
Session:	77th R.S. (2001)
Online version:	View report [128 pages  File size: 7,006 kb]
Charge:	This report should address the charge below.
1.	Monitor trends in local lending practices in all regions of the state. The Committee shall determine if the legislature should develop strategies to retain bank deposits made by public institutions in Texas communities, increase the number of bank "decision making" centers in Texas, increase the loan-to-deposit ratio in Texas, and develop incentives for lending institutions to locate in all areas of the state.
Committee:	House Financial Institutions
Title:	Interim Report
Library Catalog Title:	House Committee on Financial Institutions, Texas House of Representatives interim report, 2002 : a report to the House of Representatives, 78th Texas Legislature.
Subjects:	Agriculture | Banks and banking | Business loans | Consumer credit and debt | Credit service organizations | Gramm-Leach-Bliley Act of 1999 | Mortgages | Pawnshops | Privacy | Sale-leaseback agreements |
Library Call Number:	L1836.77 f49h
Session:	77th R.S. (2001)
Online version:	View report [61 pages  File size: 284 kb]
Charges:	This report should address the charges below.
1.	Review the mortgage lending industry in Texas to determine whether the expectations of the Mortgage Broker Licensing Act of 1999 and subsequent related legislation are being met.
2.	Research trends and practices in the sub-prime lending market in Texas and identify any issues of public concern in those markets.
3.	Review the practices of financial institutions to comply with consumer privacy provisions of the Gramm-Leach-Bliley Act, and assess the ease and convenience afforded customers in exercising their choices.
4.	Evaluate the ability of the Texas agricultural community to gain access to capital markets throughout the state. Identify barriers to financing of viable agricultural and value-added enterprises. Review and evaluate the finance programs administered by the Texas Department of Agriculture. (Joint with House Committee on Agriculture and Livestock)
5.	Study the methods currently used to report pawnshop transaction data between pawn shops and law enforcement agencies.
6.	Actively monitor agencies and programs under the committee's oversight jurisdiction.
Committee:	Senate Economic Development
Title:	Interim Report - Consumer credit
Library Catalog Title:	Interim report to the 77th Texas Legislature / Senate Committee on Economic Development, Subcommittee on Consumer Credit Laws.
Subjects:	Banks and banking | Consumer credit and debt | Gramm-Leach-Bliley Act of 1999 | Interest rates |
Library Call Number:	L1836.76 ec74c
Session:	76th R.S. (1999)
Online version:	View report [67 pages  File size: 2,469 kb]
Charges:	This report should address the charges below.
1.	Monitor trends affecting the convergence of the banking, securities, and insurance industries, including market forces and federal government activity. The Committee shall make recommendations for statutory or regulatory changes at the state level as necessitated by changes in federal law or industry trends. The Committee shall also evaluate pending federal legislation affecting financial institutions, specifically in the area of bankruptcy, analyzing how potential changes affect Texas law.
2.	Review Article 16, Sec. 11 of the Texas Constitution, relating to the maximum rates of insterest for contracts entered into in the State.
3.	Study the effect of usury limits on the various consumer lending entities in the State.
4.	Evaluate the effect of the pending federal Financial Services Modernization Act on consumer credit laws in Texas.
Committee:	Senate Economic Development
Title:	Interim Report - Financial modernization
Library Catalog Title:	Interim report to the 77th Texas Legislature / Senate Committee on Economic Development.
Subjects:	Banks and banking | Gramm-Leach-Bliley Act of 1999 |
Library Call Number:	L1836.76 ec74f
Session:	76th R.S. (1999)
Online version:	View report [200 pages  File size: 1,948 kb]
Charge:	This report should address the charge below.
1.	Monitor trends affecting the convergence of the banking, securities, and insurance industries, including market forces and federal government activity. The Committee shall make recommendations for statutory or regulatory changes at the state level as necessitated by changes in federal law or industry trends. The Committee shall also evaluate pending federal legislation affecting financial institutions, specifically in the area of bankruptcy, analyzing how potential changes affect Texas law.
Committee:	House Financial Institutions
Title:	Interim Report
Library Catalog Title:	House Committee on Financial Institutions, Texas House of Representatives interim report, 2000 : a report to the House of Representatives, 77th Texas Legislature.
Subjects:	Banks and banking | Bond Review Board, Texas | Consumer credit and debt | Consumer Credit Commissioner, Office of | Consumer protection | Credit service organizations | Credit Union Department | Department of Banking, Texas | Gramm-Leach-Bliley Act of 1999 | Home equity loans | Privacy | Public Finance Authority, Texas | Sale-leaseback agreements | Savings and Loan Department, Texas |
Library Call Number:	L1836.76 f49h
Session:	76th R.S. (1999)
Online version:	View report [77 pages  File size: 139 kb]
Charges:	This report should address the charges below.
1.	Determine the extent to which personal customer and account information may be accessed or furnished to governmental institutions, other divisions or affiliates of a financial institution, and unrelated commercial or other enterprises. Assess the state's ability to assure customers the privacy of their information.
2.	Research the practices commonly known as "payday loans" and "sale leasebacks" to determine the need to regulate such transactions.
3.	Review the federal "financial services modernization" act (HR 10) to identify necessary changes to state laws and regulations governing insurance and financial institutions. This review is to be conducted jointly with the House Committee on Insurance.
4.	Conduct a review of the home equity lending market, including lender activities and practices, to assess the extent to which the expectations of the 75th Legislature are being met.
5.	Conduct active oversight of the agencies under the committee's jurisdiction.
Supporting documents
Committee:	House Financial Institutions
Title:	Interim Report - Impact of the Gramm-Leach-Bliley Act of 1999
Library Catalog Title:	Financial services modernization for Texas : impact of the Gramm-Leach-Bliley Act of 1999 : a joint study.
Library Call Number:	L1836.76 f49hf
Session:	76th R.S. (1999)
Online version:	View document [165 pages  File size: 9,077 kb]
Committee:	House Insurance
Title:	Interim Report
Library Catalog Title:	House Committee on Insurance, Texas House of Representatives interim report, 2000 : a report to the House of Representatives, 77th Texas Legislature.
Subjects:	Banks and banking | Gramm-Leach-Bliley Act of 1999 | Insurance industry | Managed care | Physicians |
Library Call Number:	L1836.76 in7
Session:	76th R.S. (1999)
Online version:	View report [26 pages  File size: 841 kb]
Charges:	This report should address the charges below.
1.	Review the federal "financial services modernization" act (HR 10) to identify necessary changes to state laws and regulations governing insurance and financial institutions. This review is to be conducted jointly with the House Committee on Financial Institutions.
2.	Examine public policy issues associated with mandatory "hospitalist" programs in managed care.
Supporting documents
Committee:	House Insurance
Title:	Interim Report - Impact of the Gramm-Leach-Bliley Act of 1999
Library Catalog Title:	Financial services modernization for Texas : impact of the Gramm-Leach-Bliley Act of 1999: a joint study.
Library Call Number:	L1836.76 f49hf
Session:	76th R.S. (1999)
Online version:	View document [165 pages  File size: 9,077 kb]
Committee:	House Financial Institutions
Title:	Interim report
Library Catalog Title:	House Committee on Financial Institutions, Texas House of Representatives interim report, 1998 : a report to the House of Representatives, 76th Texas Legislature.
Subjects:	Automated teller machines | Banks and banking | Federal government | Home equity loans |
Library Call Number:	L1836.76 F49H
Session:	75th R.S. (1997)
Online version:	View report [28 pages  File size: 972 kb]
Charges:	This report should address the charges below.
1.	Conduct active oversight of the agencies under the committee's jurisdiction.
2.	Review the fees charged and availability of automated teller machines (ATM's).
3.	Study the effects of the state opting into, or remaining out of, the federal interstate banking system under the Riegle-Neal Act. Include a detailed review of the potential franchise tax impact, if interstate branch banking is permitted in Texas.
4.	Monitor federal banking reform initiatives to see that state interests in the regulation of financial institutions and insurance companies are protected. (Joint with the House Committee on Insurance)
5.	Subject to passage of the constitutional amendment, monitor actions of the lending industry, the Finance Commission, and the Office of Consumer Credit to implement home equity lending.
Committee:	House Insurance
Title:	Interim report
Library Catalog Title:	House Committee on Insurance, Texas House of Representatives interim report, 1998 : a report to the House of Representatives, 76th Texas Legislature.
Subjects:	Automobile insurance | Banks and banking | Health insurance | Homeowners insurance | Insurance industry | Insurance rates | Insurance, Texas Department of | Prompt payment of insurance claims | State mandates |
Library Call Number:	L1836.76 IN7
Session:	75th R.S. (1997)
Online version:	View report [104 pages  File size: 3,310 kb]
Charges:	This report should address the charges below.
1.	Conduct active oversight of the agencies under the committee's jurisdiction.
2.	Study the incremental costs of health insurance benefits mandated by the legislature. Explore ways for the legislature to obtain accurate information on the costs of mandates proposed by legislation. Evaluate the effects, if any, of currently mandated benefits on premium costs, the market, and access to coverage.
3.	Review issues related to insurance company claims handling and the laws relating to failure to handle claims in good faith.
4.	Conduct a review of the various lines of insurance and the extent to which the lines are regulated as to (1) premium rates, (2) policy forms, (3) financial integrity, (4) market conduct, and (5) other factors determined by the committee.
5.	Monitor federal banking reform initiatives to see that state interests in the regulation of financial institutions and insurance companies are protected. (Joint with the House Committee on Financial Institutions)
Committee:	House Financial Institutions
Title:	Interim report
Library Catalog Title:	Committee on Financial Institutions, Texas House of Representatives interim report, 1996 : a report to the House of Representatives, 75th Texas Legislature.
Subjects:	Banks and banking | Business loans | Consumer credit and debt | Interest rates | Statutory revision | Trust companies |
Library Call Number:	L1836.75 f49h
Session:	74th R.S. (1995)
Online version:	View report [60 pages  File size: 2,909 kb]
Charges:	This report should address the charges below.
1.	Conduct active oversight of agencies under the committee's jurisdiction.
2.	Review the laws governing trust companies for necessary revisions and possible incorporation in the Texas Banking Code.
3.	Review the Texas Credit Code to identify areas that may need revision and recomend such revisions.
4.	Review federal legislation affecting the banking, thrift or securities industries to assess impacts on Texas and the need for revising Texas laws.
Committee:	House Investments and Banking
Title:	Interim report
Library Catalog Title:	Committee on Investments and Banking, Texas House of Representatives interim report, 1994 : a report to the House of Representatives, 74th Texas Legislature.
Subjects:	Automated teller machines | Banks and banking | State agency mandated reports | Statutory revision |
Library Call Number:	L1836.73 in9
Session:	73rd R.S. (1993)
Online version:	View report [82 pages  File size: 2,578 kb]
Charges:	This report should address the charges below.
1.	Examine possible revisions to the Texas Banking Code, including those required to take account of federal changes such as the Financial Institutions Reform, Recovery and Enforcement Act of 1989 and the Federal Deposit Insurance Corporation Act of 1991.
2.	Examine ways to improve security at automatic teller machines.
3.	Conduct active oversight of agencies under the committee's jurisdiction, including a study of mandated reports to the legislature and legislative agencies. The study should consist of a review of the legislative reporting requirements of all agencies to identify areas where reporting obligations could be streamlined and agency accountability improved. The committee shall make specific recommendations about the continuation, modification or elimination of required legislative reports.
Committee:	House Financial Institutions
Title:	Interim Report
Library Catalog Title:	Committee on Financial Institutions, Texas House of Representives interim report, 1992 : a report to the House of Representatives, 73rd Texas Legislature.
Subjects:	Banks and banking | Damage awards | Department of Banking, Texas | Funeral industry | Liability | Savings and Loans |
Library Call Number:	L1836.72 f249 H
Session:	72nd R.S. (1991)
Online version:	View report [62 pages  File size: 2,444 kb]
Charges:	This report should address the charges below.
1.	Study the limitation of punitive or exemplary damages against banks as lenders.
2.	Study the creation of limited banking associations.
3.	Study federally mandated interstate branching and its potential impact of deposit concentration and deployment on Texas communities and on the Texas economy in general.
4.	Study the creation of state savings banks in Texas.
5.	Study the withdrawal of funds collected on contracts for prepaid funeral benefits.
Committee:	House Financial Institutions
Title:	Interim report
Library Catalog Title:	Interim report from the House Committe[e] on Financial Institutions, 71st Legislature : to the speaker and members of the Texas House of Representatives, 71st Legislature.
Subjects:	Banks and banking | Business loans | Consumer credit and debt | Department of Banking, Texas | Finance Commission of Texas | Foreclosures | Home equity loans | Interest rates | Mexico | Property values | Reverse mortgages | Savings and Loan Department, Texas | Savings and Loans |
Library Call Number:	L1836.71 f49
Session:	71st R.S. (1989)
Online version:	View report [58 pages  File size: 3,007 kb]
Charges:	This report should address the charges below.
1.	To monitor all activities and to have budget oversight responsibilities for those agencies, boards and commissions as listed in Rule 3, Section 12.
2.	To study the impact and extent of foreign government ownership of Texas banks and savings and loan institutions.
3.	To study deficiency procedures on debts secured by real property following foreclosure sale of the property.
4.	To study the impact and results of federally promulgated takeovers and consolidations by out-of-state holding companies on the competitiveness of interest rates among all banks in Texas.
5.	To study the responsiveness of holding companies to local, state, small business and agriculture credit needs relative to the availability of capital in Texas' banking markets.
6.	To study the state's role in the changing financial institution structure and potential policies the state can develop to strengthen the dual systems of chartering and supervising banks in Texas.
7.	To study the impact of the "Financial Institutions Reform, Recovery, and Enforcement Act of 1989" on the savings and loan companies in Texas.
8.	To study the need for state chartered financial institutions.
9.	To study the need for a State Chartered Savings Bank.
10.	To study the impact that current law on home equity loans has on savings and loans in Texas under terms of the "good asset" requirements of the "Financial Institutions Reform, Recovery and Enforcement Act of 1989."
11.	To study the impact of the requirements of the Financial Institutions Reform, Recovery and Enforcement Act of 1989 (FIRREA) on real estate appraisers, and the means by which the availability of such required services may be assured throughout Texas.
Committee:	House Financial Institutions
Title:	Interim report
Library Catalog Title:	Interim report of the House Financial Institutions Committee, Texas House of Representatives, 70th Legislature.
Subjects:	Banks and banking | Consumer credit and debt | Consumer Credit Commissioner, Office of | Financial investments | Franchise taxes | Fraud | Home equity loans | Liens | Public Funds Investment Act | Savings and Loans | Tax deductions |
Library Call Number:	L1836.70 f49
Session:	70th R.S. (1987)
Online version:	View report [89 pages  File size: 2,838 kb]
Charges:	This report should address the charges below.
1.	To study the need to clarify and consolidate existing statutes governing the investment of public funds by local and regional governmental entities; and to study the advisability of expanding the investment option of local governments and institutions of Higher Education.
2.	To study the problems of unenforceable second liens on a homestead.
3.	To study the extent and public benefits of state regulatory authority over the savings and loan industry.
4.	To study the equity of imposing the state franchise tax on both a bank holding company and the individual banks and the feasibility of amending state law to resolve the issue.
5.	To study the lending practices and procedures of institutions and individuals that contribute to fraud, abuse and deception in the buying and selling of retail installment contracts.
Committee:	House Capital Formation, Select, Interim
Title:	Interim Report
Library Catalog Title:	Interim report to the 70th Texas Legislature / Texas House of Representatives, Special Interim House Committee on Capital Formation.
Subjects:	Banks and banking | Business loans | Economic development | Home equity loans | Interest rates | Stock investments |
Library Call Number:	L1836.69 c172
Session:	69th R.S. (1985)
Online version:	View report [91 pages  File size: 4,250 kb]
Charges:	This report should address the charges below.
1.	To analyze Texas' current financial structures and capital needs and examine the state's future financial capital service needs in order to meet desired economic development goals.
2.	The committee will incorporate a thorough study of state and federal statutory and regulatory systems currently in place and alternatives for the future.
3.	The study will include an investigation of opportunities available in the state for capital formation for business and economic development particularly in the area of regional vs. national banking and high-tech venture capital formation.
4.	Also to be studied will be the identification of areas in state and federal laws and regulations which act as barriers to capital formation and the role and scope of state agencies involved in capital formation.
5.	The committee will also look at second lien financing secured by homestead equities.
Committee:	House Capital Formation, Select, Interim
Title:	Interim Report - Capital demand
Library Catalog Title:	Capital demand subcommittee report
Subjects:	Banks and banking | Business loans | Stock investments |
Library Call Number:	L1836.69 c172d
Session:	69th R.S. (1985)
Online version:	View report [15 pages  File size: 880 kb]
Charge:	This report should address the charge below.
1.	To analyze Texas' current financial structures and capital needs and examine the state's future financial capital service needs in order to meet desired economic development goals.
Committee:	House Financial Institutions
Title:	Interim report
Library Catalog Title:	Interim report of the Committee on Financial Institutions, Texas House of Representatives, 68th Legislature, Austin, Texas.
Subjects:	Automated teller machines | Banks and banking | Fund management | Investment of public funds | Savings and Loans |
Library Call Number:	L1836.68 f49
Session:	68th R.S. (1983)
Online version:	View report [25 pages  File size: 720 kb]
Charges:	This report should address the charges below.
1.	To study the effect on the Texas economy of interstate banking and the rise of financial service conglomerates.
2.	To study state law regarding electronic fund transfer systems and the effect thereof on the Texas economy.
3.	To review the business activities of subsidiary corporations and financial institutions and the laws and regulations relative thereto.
4.	To review the feasibility of investment of state funds held by the Treasury in commercial papers.
Committee:	House Ways and Means
Title:	Interim report
Library Catalog Title:	Interim report of the Ways and Means Committee, Texas House of Representatives, 68th Legislature, Austin, Texas, 1984.
Subjects:	Banks and banking | Energy policy | Federal taxes | Franchise taxes | Housing Agency, Texas | Sales tax exemptions | Sales taxes | Severance taxes | State taxes |
Library Call Number:	L1836.68 w364
Session:	68th R.S. (1983)
Online version:	View report [80 pages  File size: 2,208 kb]
Charges:	This report should address the charges below.
1.	To monitor all activities and have budget oversight responsibilities for those agencies, boards and commissions as listed in Rule 3, Section 33.
2.	To review the new federal tax laws as they relate to taxes in the state.
3.	To make a comparative analysis of taxes in Texas and other states.
4.	To examine and compile all exemptions under the general sales tax.
5.	To study the Texas Housing Authority's on-going loan programs and financial benefits to home owners to determine if changes need to be made.
6.	To study the feasibility of imposing a corporate franchise tax or some other equitable tax on banking corporations doing business in Texas.
7.	To assist the Select Committee on Public Education and the House-Senate Joint Committee on State Fiscal Policy.
Committee:	House Financial Institutions
Title:	Interim Report
Library Catalog Title:	Interim report of the Financial Institutions Committee, Texas House of Representatives, 66th Legislature.
Subjects:	Banks and banking | Consumer credit and debt | Credit unions | Interest rates | Investment of public funds | Mortgages |
Library Call Number:	L1836.66 f49
Session:	66th R.S. (1979)
Online version:	View report [71 pages  File size: 2,145 kb]
Charges:	This report should address the charges below.
1.	Report on the status of the mortgage loan business in view of the change in usury limits enacted by the 66th Regular Session of the Legislature.
2.	Compare the interest rate structures permitted by law for all lending institutions in Texas and compare these structures with those in selected states with similar regional and economic status to determine the impact of Texas usury ceilings and recommend revisions if needed.
3.	Review the differences in state-chartered banks, national banks and the bank holding companies as they relate to competition in the money market.
4.	Study the status of credit unions in Texas, particularly with respect to their expansion, financial stability and service to consumers.
5.	Review the possible effects of the Depository Institutions Deregulation and Monetary Control Act of 1980 on state chartered and federally chartered financial institutions in Texas.
6.	Review the authority of the state and its political subdivisions regarding the receipt, deposit, investment and disposition of public funds in state and federally chartered financial institutions.
Committee:	Senate Financial Institutions
Title:	Interim Report
Library Catalog Title:	Interim report / Senate Committee on Financial Institutions, Senate of the state of Texas, 67th Legislature.
Subjects:	Banks and banking | Consumer credit and debt | Interest rates | Mortgages |
Library Call Number:	L1836.66 f50
Session:	66th R.S. (1979)
Online version:	View report [51 pages  File size: 1,705 kb]
Charge:	This report should address the charge below.
1.	Study the current financial market and its effect on the housing situation in Texas; the study shall include, but not be limited to, examination of the lending practices of financial institutions, assessment of the resources available for financing home purchases and home rehabilitation projects, and determination of ways of improving the housing money market in Texas.
Supporting documents
Committee:	Senate Financial Institutions
Title:	SR 668
Library Call Number:	SR 668
Session:	66th R.S. (1979)
Online version:	View document [3 pages  File size: 1,215 kb]
Committee:	House Financial Institutions
Title:	Interim Report
Library Catalog Title:	A compilation of interim reports to the sixty-sixth legislative session, Texas House of Representatives.
Subjects:	Automated teller machines | Banks and banking | Credit unions | Fund management | Savings and Loans | Treasury Department, Texas State |
Library Call Number:	L1836.65 h816 2
Session:	65th R.S. (1977)
Online version:	View report [47 pages  File size: 1,457 kb]
Charges:	This report should address the charges below.
1.	A study of the feasibility and advantages of a state owned and operated depository insurance corporation (SDIC) for financial institutions in this state.
2.	A study of the statutes and regulations governing the operations of credit unions in the State with recommendations for necessary legislation, if any, to adequately protect the public through proper licensing, control and regulations. This study should also include a review of the impact of interest bearing third party payments on all state financial institutions offering such instruments and the effect on the general public thereof.
3.	A study of the various proposals for implementing an electronic funds transfer system in the state, with recommendations as to the advantages and disadvantages to such systems. This study should review the feasibility of electronic funds transfer systems including privacy aspects, security controls, and fraud potential.
4.	Oversight responsibility of agency expenditures and related transactions. This function shall encompass a review and monitoring of all appropriations-related actions of those agencies assigned to this committee for appropriative purposes during the 65th Regular Session of the Legislature, to wit: Department of Banking Savings and Loan Department Consumer Credit Commissioner State Finance Commission Credit Union Commission Treasury
Committee:	House Financial Institutions
Title:	Interim Report
Library Catalog Title:	Interim report of the Financial Institutions Committee, Texas House of Representatives, 64th Legislature.
Subjects:	Banks and banking | Consumer credit and debt | Consumer Credit Commissioner, Office of | Interest rates |
Library Call Number:	L1836.64 f49
Session:	64th R.S. (1975)
Online version:	View report [73 pages  File size: 2,596 kb]
Charges:	This report should address the charges below.
1.	Study the advisability of studying the advisability of restricting bank holding company growth in the State of Texas.
2.	Conduct hearings regarding consumer finance problems in Texas. Consider the maximum interest rate laws, loan ceilings, disclosure guidelines, and the funding of the Consumer Credit Commission. *
Committee:	House Banking Study
Title:	Interim Report
Library Catalog Title:	Report to the House of Representatives of the 62nd Legislature / Interim banking study committee.
Subjects:	Banks and banking |
Library Call Number:	L1836.61 b225
Session:	61st R.S. (1969)
Online version:	View report [11 pages  File size: 276 kb]
Charge:	This report should address the charge below.
1.	Make a complete study of Texas banks and banking for the purpose of determining (1) methods of encouraging Texas banks to invest in local enterprises as opposed to making out-of-state investments; (2) practices of the State Depository Board with regard to (a) demand versus time deposits, and (b) selection of banks as depositories of the state; (3) a possible state insurance program to supplement the Federal Deposit Insurance Corporation; and (4) any other matters relating to banks and banking which may affect the Texas economy either advantageously or adversely.
Supporting documents
Committee:	House Banking Study
Title:	Transcript, January 20, 1970, Austin
Library Catalog Title:	Minutes
Library Call Number:	L1836.61 B225M 1/20/70
Session:	61st R.S. (1969)
Online version:	View document [57 pages  File size: 20,943 kb]
Committee:	House Banking Study
Title:	Transcript, February 10, 1970, Houston
Library Catalog Title:	Minutes
Library Call Number:	L1836.61 B225M 2/10/70
Session:	61st R.S. (1969)
Online version:	View document [63 pages  File size: 27,534 kb]
Committee:	House Banking Study
Title:	Transcript, March 24, 1970, Austin
Library Catalog Title:	Minutes
Library Call Number:	L1836.61 B225M 3/24/70
Session:	61st R.S. (1969)
Online version:	View document [53 pages  File size: 21,929 kb]
Committee:	House Escheat Laws
Title:	Interim Report
Library Catalog Title:	Interim report / Special House Committee to Investigate Enforcement of Texas Escheat Laws Applicable to Banking Institutions.
Subjects:	Banks and banking | Unclaimed property |
Library Call Number:	L1836.57 es16
Session:	57th R.S. (1961)
Online version:	View report [26 pages  File size: 1,119 kb]
Charge:	This report should address the charge below.
1.	Make a thorough and complete study of the escheat laws of this state and property which may be subject thereto being held by banking institutions under a depositor-creditor relationship, for the purpose of recommending to the Legislature a fair and equitable procedure by which unknown owners and heirs may be advertised for and discovered, and by which the state may detect and obtain any such property which rightfully belongs to the state under present escheat laws.
Committee:	House Charges Against James E. Ferguson, Governor, Investigate
Title:	Report
Library Catalog Title:	Report
Subjects:	Banks and banking | Conflicts of interest | Ethics | Ferguson, James E. 'Pa' | Fiscal management | Fraud | Government ethics | Governor's mansion | Impeachment | State purchasing |
Library Call Number:	H.J. of Tex., 35th Leg., R.S. 1338 (1917)
Session:	35th R.S. (1917)
Online version:	View report [20 pages  File size: 1,197 kb]
Charges:	This report should address the charges below.
1.	Investigate the charge that Governor Ferguson misapplied and misappropriated state funds in violation of the state Constitution including repairs, improvements to the Governor's Mansion and Grounds and well as the labor to care for same. *
2.	Investigate the charge that Governor Ferguson not only misapplied and misused a large part of appropriations by approving for payment by State accounts for merchandise and articles for which he owes and is personally liable, and approved on said accounts, deficiency certificates. *
3.	Investigate the charge that in violation of the Constitution and laws of Texas that James E. Ferguson misapplied and misused a large portion of the appropriation described as "Payment of rewards and other expenses necessary for the enforcement of laws, lithography, telegraphing and other purposes, $7,500." *
4.	Investigate the charge that Governor Ferguson has approved accounts for articles for the personal use of his family and household which have been paid out of appropriations and some of which have been made the basis for deficiency certificates issued by the Comptroller of the State. *
5.	Investigate the charges that while an officer of a State bank, the Temple State Bank, that Governor Ferguson became indebted to said bank in excess of the amount by statutes violating both civil and criminal statutes. *
6.	Investigate the charge that Cashier of the Temple State Bank knowing that Governor Ferguson was in debt to the bank in excess of statutes loaned him additional funds from the bank. *
7.	Investigate the charge that James E. Ferguson executed certain mortgages to Temple State Bank to secure all or part of his indebted thereto and requested that the officers of the bank withhold same from record in order that he might be relieved of criticism of his political appointments, and said mortgages were withheld. That while said mortgages were withheld from record by the offices of said bank, that James E. Ferguson executed other mortgages to other parties on the same property, or a large part thereof, and said other mortgages were placed of record before mortgages from said bank were recorded, thereby making the mortgages and security of said bank subject to the liens of said other mortgages. *
8.	Investigate the charge that Temple State Bank accepted the "bonding plan" to secure its depositors and did not become a beneficiary of the bank guaranty fund. And that officers of said bank have made application in the last ninety days under the law to the guaranty fund plan that the bondsmen may be relieved of liability by failure of said bank by reasons of the indebtedness of James E. Ferguson to it. *
9.	Investigate the charge that the Commissioner of Insurance an Banking, Charles O. Austin, appointed by Governor Ferguson, has failed to investigate the indebtedness of Governor Ferguson to the Temple State Bank. *
10.	Prepare a report that shall contain a full and accurate transcript of the proceedings. *
11.	Prepare and submit with its report such specific charges as may the basis, or may be necessary in impeachment proceedings against James E. Ferguson, Governor of the State of Texas. *
Committee:	Senate Capital Bank and Trust Company, Investigate, Special
Title:	Majority Report
Library Catalog Title:	Investigating Committee report.
Subjects:	Banks and banking | Conflicts of interest |
Library Call Number:	S.J. of Tex., 29th Leg., 2nd C.S. 33 (1906)
Session:	29th R.S. (1905)
Online version:	View report [4 pages  File size: 171 kb]
Charge:	This report should address the charge below.
1.	Investigate whether the relationship of any officers or employees of the State of Texas to the Capital Bank and Trust Company has been or may be detrimental to public service and to investigate to what extent the officers and employees of the State are interested in this banking institution or any other banking institution. Inquire into what extent State funds are used by said institutions. *
Committee:	Senate Capital Bank and Trust Company, Investigate, Special
Title:	Minority Report
Library Catalog Title:	Investigating Committee report.
Subjects:	Banks and banking | Conflicts of interest |
Library Call Number:	S.J. of Tex., 29th Leg., 2nd C.S. 34 (1906)
Session:	29th R.S. (1905)
Online version:	View report [6 pages  File size: 255 kb]
Charge:	This report should address the charge below.
1.	Investigate whether the relationship of any officers or employees of the State of Texas to the Capital Bank and Trust Company has been or may be detrimental to public service and to investigate to what extent the officers and employees of the State are interested in this banking institution or any other banking institution. Inquire into what extent State funds are used by said institutions. *
Committee:	House First National Bank of Austin, Investigate
Title:	Report
Library Catalog Title:	Report of Special Committee to make certain investigation concerning First National Bank of Austin.
Subjects:	Banks and banking | Investment of public funds | Treasury Department, Texas State |
Library Call Number:	H.J. of Tex., 27th Leg., 1st C.S. 76 (1901)
Session:	27th R.S. (1901)
Online version:	View report [2 pages  File size: 69 kb]
Charge:	This report should address the charge below.
1.	Investigate the alleged deposit with the First National Bank of Austin of State public funds by the State Treasurer and Secretary of State. *
Supporting documents
Committee:	House First National Bank of Austin, Investigate
Title:	Testimony
Library Catalog Title:	Report of Special Committee to make certain investigation concerning First National Bank of Austin.
Library Call Number:	H.J. of Tex., 27th Leg., 1st C.S. 76 (1901)
Session:	27th R.S. (1901)
Online version:	View document [21 pages  File size: 1,348 kb]

* This represents an abstract of the report contents. Charge text is incomplete or unavailable.

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