TAILIEUCHUNG - Assembly Bill No. 38 Private Secretary of the Governor

The size of banks’ balance sheets and the maturity structure of assets and liabilities is key to the generation of liquidity. Taking the view that banks manage their assets and liabilities independently of each other overlooks the structural interdependence between the asset side and the liability side of the balance sheet. First, at the individual bank level, once granted to customers, credit lines have very similar implications in terms of liquidity risk to overnight deposits, as the customers can draw down the deposits and the credit lines at their discretion, thereby gaining access to liquidity on demand in order to. | Assembly Bill No. 38 Passed the Assembly August 31 2011 Chief Clerk of the Assembly Passed the Senate August 29 2011 Secretary of the Senate This bill was received by the Governor this day of 2011 at o clock_M. Private Secretary of the Governor AB 38 2 CHAPTER An act to add Division 18 commencing with Section 40001 to the Financial Code relating to banking development districts. LEGISLATIVE COUNSEL S DIGEST AB 38 Bradford. Banking underserved communities. Existing law provides for various programs and activities in the development of economic opportunities for businesses in the state. The California Small Business Financial Development Corporation Law establishes small business financial development corporations and provides for their regulation by the Business Transportation and Housing Agency. Existing law the Banking Law provides for the regulation of banks by the Department of Financial Institutions. This bill would require the department to work with local agencies to compile a list of underserved communities. The bill would require the department to post that list on the department s Internet Web site. The people of the State of California do enact as follows SECTION 1. The Legislature finds and declares all of the following a Too many Californians are disconnected from the financial mainstream. National estimates show that 10 percent of households including nearly one-quarter of the minority population are unbanked meaning they lack a basic checking or savings account. In California 12 percent of adults do not have a checking or savings account according to the United States Census. Recent market research indicates that Fresno and Los Angeles have the second and third highest percentages of unbanked residents in the country. In San Francisco the Brookings Institution found that one in five adults and half the city s African Americans and Latinos do not have bank accounts. The unbanked are most likely to be people who are less .

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