Status of ATM's Under State Branching Laws: Hearings Before the Committee on Banking, Housing, and Urban Affairs, United States Senate, Ninety-eighth Congress, Second Session, on S. 2898 ... September 19 and 20, 1984 |
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Page 1
... authority in areas that were virtually unforeseen only a few years ago , let alone in 1927 . There must be , however , some resolution of these problems . In the first place , the consumer benefits provided by ATM's are too dramatic and ...
... authority in areas that were virtually unforeseen only a few years ago , let alone in 1927 . There must be , however , some resolution of these problems . In the first place , the consumer benefits provided by ATM's are too dramatic and ...
Page 9
... authority that permitted national banks to participate in shared ATM networks . In short , the bill would return financial institutions and consumers alike to the status quo ante , by legislatively endorsing a widespread practice that ...
... authority that permitted national banks to participate in shared ATM networks . In short , the bill would return financial institutions and consumers alike to the status quo ante , by legislatively endorsing a widespread practice that ...
Page 14
... authority by the states over the operations of national banks . Specifically , the CSBS proposal to exercise state authority over the " location , ownership , operation and permissible functions " * 12 USC Sec . 1464 ( b ) ( 1 ) ( F ) ...
... authority by the states over the operations of national banks . Specifically , the CSBS proposal to exercise state authority over the " location , ownership , operation and permissible functions " * 12 USC Sec . 1464 ( b ) ( 1 ) ( F ) ...
Page 15
... authority to the states than they currently have . What is the basis for new State authority over the functions , operations , and ownership of a national bank's ATMS ? CSBS apparently asks for competitive uniformity not competitive ...
... authority to the states than they currently have . What is the basis for new State authority over the functions , operations , and ownership of a national bank's ATMS ? CSBS apparently asks for competitive uniformity not competitive ...
Page 28
... authority or expand the legal rights of the OCC . Thus , the system has been able to provide an incredible level of services to all types of bank customers . National banks have benefited from the competitive equality inherent in the ...
... authority or expand the legal rights of the OCC . Thus , the system has been able to provide an incredible level of services to all types of bank customers . National banks have benefited from the competitive equality inherent in the ...
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Common terms and phrases
amendment ATM sharing ATM's authority automated device automated teller machine bank customers Bank Supervisors bank's Banking Convenience Act banking services bill branch banking branching laws Canandaigua cash CBCT Chairman chartered competitive equality Comptroller Comptroller's consumers credit unions CSBS Currency deployment depository institution EFT terminals electronic banking electronic funds transfer electronic terminal enacted facilities financial institutions funds transfer systems home office protection IBAA IBANYS Independent Bankers Association interpretation interstate issue legislation LIBRARY OF CONGRESS located MALARKEY Mandatory sharing Marine Midland Bank Marine Midland decision MasterCard MasterTeller program McFadden Act member banks National Bank Act out-of-state owned-or-rented participate in shared permissible functions Permissive sharing permit prohibit proprietary ATMs PSI member regulation rented S&Ls savings and loan Section Senator GORTON Senator TRIBLE shared ATM networks shared ATM systems shared networks shared systems Statewide status quo statutes supermarket tions transaction fee Wegman's Wegmans Food Markets withdrawals York
Popular passages
Page 24 - branch' as used in this section shall be held to include any branch bank, branch office, branch agency, additional office, or any branch place of business located in any State or Territory of the United States or in the District of Columbia at which deposits are received, or checks paid, or money lent.
Page 63 - nothing herein contained shall prevent any State member bank from establishing and operating branches in the United States or any dependency or insular possession thereof or in any foreign country, on the same terms and conditions and subject to the same limitations and restrictions as are applicable to the establishment of branches by national banks...
Page 219 - State bank and its branches are situated." (5) A member State bank may not establish a branch beyond the corporate limits of the city, town, or village in which it is situated unless such establishment and operation are at the time authorized to State banks by the statute law of the State in question by language specifically granting such authority affirmatively and not merely by implication or recognition.
Page 78 - National banks are quasi-public institutions, and for the purpose of which they are instituted are national in their character, and, within constitutional limits, are subject to the control of Congress and are not to be interfered with by State legislative or judicial action, except so far as the lawmaking power of the Government may permit.
Page 274 - Consumers Union is a nonprofit membership organization chartered in 1936 under the laws of the State of New York to provide information, education and counsel about consumer goods and services and the management of family income. Consumers Union's income is derived solely from the sale of Consumer Reports, its other publications and films. Expenses of occasional public service efforts may be met, in part, by nonrestrictive, noncommercial contributions, grants and fees.
Page 63 - ... except that the approval of the Board of Governors of the Federal Reserve System, instead of the Comptroller of the Currency, shall be obtained before any State member bank may hereafter establish any branch and before any State bank hereafter admitted to membership may retain any branch established after February 25, 1927, beyond the limits of the city, town, or village in which the parent bank is situated.
Page 23 - ATM location and function closely parallel public interest in bank branching as embodied in the McFadden Act and the Douglas Amendment to the Bank Holding Company Act.
Page 127 - Commission, notwithstanding that such rule or regulation may, after such act or omission, be amended or rescinded or be determined by judicial or other authority to be invalid for any reason.
Page 219 - A national banking association may, with the approval of the Comptroller of the Currency, establish and operate new branches: (1) Within the limits of the city, town or village in which said association is situated, if such establishment and operation are at the time expressly authorized to State banks by the law of the State in question...
Page 95 - branch bank" at the very least includes any place for receiving deposits or paying checks or lending money apart from the chartered premises; it may include more.