TAILIEUCHUNG - 1999 SENATE BILL 325

For the banking group as a whole, costs of doing business may be lower under the branch structure than under the subsidiary structure. Maintaining greater self- sufficiency of affiliates in a subsidiary structure requires that each affiliate hold higher capital and liquidity buffers to limit the likelihood of failure. This results in higher levels of capital and funding for the banking group as a whole than under the branch structure. Moreover, stricter firewalls between the affiliates and the parent in a subsidiary structure, while reducing the risk of contagion, also limit shifting of funds within the group to take advantage of. | nf Jllitsrnnstn 1999 - 2000 LEGISLATURE LRB-1647 1 RJM wlj jlg km 1999 SENATE BILL 325 January 12 2000 - Introduced by Senator Robson cosponsored by Representatives J. Lehman Black Coggs Hasenohrl and Pocan. Referred to Privacy Electronic Commerce and Financial Institutions. 1 An Act to amend 15 a 21 b 46 a 1. and 2 2 of the statutes relating to automatic teller machine fees and requiring the 3 exercise of rule making-authority. Analysis by the Legislative Reference Bureau Under current law banks credit unions savings banks and savings and loan associations financial institutions are authorized to operate customer bank communications terminals remote service units or remote terminals commonly referred to as automatic teller machines ATMs . Financial institutions are required to make their ATMs available for use on a nondiscriminatory basis upon request by another financial institution or by customers designated by a financial institution using the terminal subject to joint rules established by the division of savings and loan the division of banking and the office of credit unions in the department of financial institutions. This bill requires these joint rules to prohibit a state national or federal financial institution from charging a person a fee for a transaction using an atm unless the transaction relates to or affects an account held by that person with that financial institution. Federal law may preempt these rules with regard to national and federal financial institutions. 1999 - 2000 Legislature - 2 - LRB-1647 1 RJM wlj jlg km SENATE BILL 325 For further information see the state fiscal estimate which will be printed as an appendix to this bill. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 The people of the state of Wisconsin represented ỉn senate and assembly do enact as follows Section 1. 15 a of the statutes is amended to read 15 a Directly or indirectly acquire place and operate or participate in

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