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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 | 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: 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

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