datamatters24/research-document-archive huggingface dataset:
IB 
Union Calendar No. 33 
109TH CONGRESS 
1ST SESSION H. R. 1185 
[Report No. 109–67] 
To reform the Federal deposit insurance system, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 9, 2005 
Mr. BACHUS (for himself, Ms. HOOLEY, Mr. OXLEY, Mr. FRANK of Massachu-
setts, Mr. GILLMOR, Mr. KANJORSKI, Ms. PRYCE of Ohio, Mr. LEACH, 
Mrs. MALONEY, Mr. JONES of North Carolina, Mr. MOORE of Kansas, 
Mr. RYUN of Kansas, Mr. ISRAEL, Mr. NEY, Mr. TIBERI, Mrs. BIGGERT, 
Mr. GUTIERREZ, Mr. DAVIS of Alabama, Mr. HINOJOSA, Mr. KING of 
New York, Mrs. MCCARTHY, Mr. LATOURETTE, Mr. MANZULLO, Mr. 
NEUGEBAUER, Mr. FORD, Mr. TOWNS, Mr. RENZI, Mr. CLAY, Mr. GARY 
G. MILLER of California, Mr. MCHENRY, and Mr. BARTLETT of Mary-
land) introduced the following bill; which was referred to the Committee 
on Financial Services 
APRIL 29, 2005 
Additional sponsors: Mr. ADERHOLT, Ms. GINNY BROWN-WAITE of Florida, 
Mr. LUCAS, Mr. CROWLEY, Mr. MEEKS of New York, Ms. VELA´ZQUEZ, 
Mr. PRICE
of Georgia, Mrs. MUSGRAVE, Mr. CHABOT, and Mr. 
BEAUPREZ 
APRIL 29, 2005 
Reported with an amendment, committed to the Committee of the Whole 
House on the State of the Union, and ordered to be printed
[Strike out all after the enacting clause and insert the part printed in italic] 
[For text of introduced bill, see copy of bill as introduced on March 9, 2005] 
A BILL 
To reform the Federal deposit insurance system, and for 
other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE; TABLE OF CONTENTS. 
(a) SHORT TITLE.—This Act may be cited as the 
‘‘Federal Deposit Insurance Reform Act of 2005’’. 
(b) TABLE OF CONTENTS.—The table of contents for 
this Act is as follows: 
Sec. 1. Short title; table of contents. 
Sec. 2. Merging the BIF and SAIF. 
Sec. 3. Increase in deposit insurance coverage. 
Sec. 4. Setting assessments and repeal of special rules relating to minimum as-
sessments and free deposit insurance. 
Sec. 5. Replacement of fixed designated reserve ratio with reserve range. 
Sec. 6. Requirements applicable to the risk-based assessment system. 
Sec. 7. Refunds, dividends, and credits from Deposit Insurance Fund. 
Sec. 8. Deposit Insurance Fund restoration plans. 
Sec. 9. Regulations required. 
Sec. 10. Studies of FDIC structure and expenses and certain activities and fur-
ther possible changes to deposit insurance system. 
Sec. 11. Bi-annual FDIC survey and report on increasing the deposit base by en-
couraging use of depository institutions by the unbanked. 
Sec. 12. Technical and conforming amendments to the Federal Deposit Insurance 
Act relating to the merger of the BIF and SAIF. 
Sec. 13. Other technical and conforming amendments relating to the merger of the 
BIF and SAIF. 
SEC. 2. MERGING THE BIF AND SAIF. 
(a) IN GENERAL.—
H. Con. Res. 5
Agreed to March 2, 2005
One Hundred Ninth Congress
of the
United States of America
AT THE FIRST SESSION
Begun and held at the City of Washington on Tuesday,
the fourth day of January, two thousand and five
Concurrent Resolution
Whereas Sarah Winnemucca was the daughter of Chief Winnemucca
and the granddaughter of the redoubtable Chief Truckee of the
Northern Paiute Tribe who led John C. Fremont and his men
across the Great Basin to California;
Whereas Sarah, before her 14th birthday, had acquired five lan-
guages, including three Indian dialects, Spanish, and English,
and was one of only two Northern Paiutes in Nevada at the
time who was able to read, write, and speak English;
Whereas Sarah was an intelligent and respected woman who served
as an interpreter for the United States Army and the Bureau
of Indian Affairs and served as an aide, scout, peacemaker, and
interpreter for General Oliver O. Howard during the Bannock
War of 1878, in Idaho;
Whereas, in 1883, Sarah published Life Among the Paiutes: Their
Wrongs and Claims, the first book written and published by
a Native American woman;
Whereas Sarah became a tireless spokeswoman for the Northern
Paiute Tribe and in 1879, gave more than 300 speeches through-
out the United States concerning the plight of her people;
Whereas Sarah established a nongovernmental school for Paiute
children near Lovelock, Nevada, which operated for three years
and became a model for future educational facilities for Native
American children; and
Whereas Sarah, in fighting for justice, peace, and equality for
all persons, represented the highest ideals of America and is
hereby recognized as a distinguished citizen of Nevada: Now,
therefore, be it
Resolved by the House of Representatives (the Senate concur-
ring),
SECTION 1. ACCEPTANCE OF STATUE OF SARAH WINNEMUCCA FROM
THE PEOPLE OF NEVADA FOR PLACEMENT IN NATIONAL
STATUARY HALL.
(a) IN GENERAL.—The statue of Sarah Winnemucca, furnished
by the people of Nevada for placement in National Statuary Hall
in accordance with section 1814 of the Revised Statutes of the
United States (2 U.S.C. 2131), is accepted in the name of the
United States, and the thanks of the Congress are tendered to
the people of Nevada for providing this commemoration of one
of Nevada’s most eminent personages.
(b) PRESENTATION CEREMONY.—The State of Nevada is author-
ized to use the Rotunda of the Capitol on March 9, 2005, for
H. Con. Res. 5—2
a presentation ceremony for the statue. The Architect of the Capitol
and the Capitol Police Board shall take such action as may be
necessary with respect to physical preparations and security for
the ceremony.
(c) DISPLAY IN ROTUNDA.—The statue shall be displayed in
the Rotunda of the Capitol for a period of not more than 6 months,
after which period the statue shall be moved to its permanent
location.
SEC. 2. TRANSMITTAL TO GOVERNOR OF NEVADA.
The Clerk of the House of Representatives shall transmit a
copy of this concurrent resolution to the Governor of Nevada.
Attest:
Clerk of the House of Representatives.
Attest:
Secretary of the Senate.
(1) MERGER.—The Bank Insurance Fund and 
the Savings Association Insurance Fund shall be 
merged into the Deposit Insurance Fund. 
(2) DISPOSITION OF ASSETS AND LIABILITIES.— 
All assets and liabilities of the Bank Insurance Fund 
and the Savings Association Insurance Fund shall be 
transferred to the Deposit Insurance Fund. 
(3) NO SEPARATE EXISTENCE.—The separate ex-
istence of the Bank Insurance Fund and the Savings 
Association Insurance Fund shall cease on the effec-
tive date of the merger thereof under this section. 
(b) REPEAL OF OUTDATED MERGER PROVISION.—Sec-
tion 2704 of the Deposit Insurance Funds Act of 1996 (12 
U.S.C. 1821 note) is repealed. 
(c) EFFECTIVE DATE.—This section shall take effect 
on the first day of the first calendar quarter that begins 
after the end of the 90-day period beginning on the date 
of the enactment of this Act. 
SEC. 3. INCREASE IN DEPOSIT INSURANCE COVERAGE. 
(a) IN GENERAL.—Section 11(a)(1) of the Federal De-
posit Insurance Act (12 U.S.C. 1821(a)(1)) is amended— 
(1) by striking subparagraph (B) and inserting 
the following new subparagraph: 
‘‘(B) NET AMOUNT OF INSURED DEPOSIT.— 
The net amount due to any depositor at an in-
sured depository institution shall not exceed the 
standard maximum deposit insurance amount as 
determined in accordance with subparagraphs 
(C), (D), (E) and (F) and paragraph (3).’’; and 
(2) by adding at the end the following new sub-
paragraphs: 
‘‘(E) STANDARD MAXIMUM DEPOSIT INSUR-
ANCE AMOUNT DEFINED.—For purposes of this 
Act, the term ‘standard maximum deposit insur-
ance amount’ means— 
‘‘(i) until the effective date of final reg-
ulations prescribed pursuant to section 
9(a)(2) of the Federal Deposit Insurance 
Reform Act of 2005, $100,000; and 
‘‘(ii) on and after such effective date, 
$130,000, adjusted as provided under sub-
paragraph (F). 
‘‘(F) INFLATION ADJUSTMENT.— 
‘‘(i) IN
GENERAL.—By April 1 of 
2007, and the 1st day of each subsequent 5- 
year period, the Board of Directors and the 
National 
Credit 
Union 
Administration 
Board shall jointly prescribe the amount by 
which the standard maximum deposit in-
surance amount and the standard max-
imum share insurance amount (as defined 
in section 207(k) of the Federal Credit 
Union Act) applicable to any depositor at 
an insured depository institution shall be 
increased by calculating the product of— 
‘‘(I) $130,000; and 
‘‘(II) the ratio of the value of the 
Personal Consumption Expenditures 
Chain-Type Index (or any successor 
index thereto), published by the De-
partment of Commerce, as of December 
31 of the year preceding the year in 
which the adjustment is calculated 
under this clause, to the value of such 
index as of the date this subparagraph 
takes effect. 
‘‘(ii) ROUNDING.—If the amount deter-
mined under clause (ii) for any period is 
not a multiple of $10,000, the amount so 
determined shall be rounded to the nearest 
$10,000. 
‘‘(iii) PUBLICATION
AND
REPORT
TO 
THE CONGRESS.—Not later than April 5 of 
any calendar year in which an adjustment 
is required to be calculated under clause (i)
229 
the trust for such a use or, to the extent the 
remainder interest is in qualified employer secu-
rities (as defined in subsection (g)(4)), all or 
part of such securities are to be transferred to 
an employee stock ownership plan (as defined in 
section 4975(e)(7) in a qualified gratuitous 
transfer (as defined by subsection (g)). 
‘‘(D) with respect to each contribution of 
property to the trust, the value (determined 
under section 7520 of such remainder interest 
in such property is at least 10 percent of the 
net fair market value of such property as of the 
date such property is contributed to the trust. 
‘‘(3) EXCEPTION.—Notwithstanding the provi-
sions of paragraphs (2)(A) and (B), the trust instru-
ment may provide that the trustee shall pay the in-
come beneficiary for any year— 
‘‘(A) the amount of the trust income, if 
such amount is less than the amount required 
to be distributed under paragraph (2)(A), and 
‘‘(B) any amount of the trust income 
which is in excess of the amount required to be 
distributed under paragraph (2)(A), to the ex-
tent that (by reason of subparagraph (A)) the 
aggregate of the amounts paid in prior years 
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IV 
109TH CONGRESS 
1ST SESSION 
H. CON. RES. 61
Expressing the sense of the Congress that a postage stamp should be issued 
honoring the Nation’s coal miners. 
IN THE HOUSE OF REPRESENTATIVES 
FEBRUARY 15, 2005
Mrs. CAPITO (for herself, Mr. KANJORSKI, Mr. ROGERS of Kentucky, Mr. 
RANGEL, Mr. GOODE, and Mr. BROWN of Ohio) submitted the following 
concurrent resolution; which was referred to the Committee on Govern-
ment Reform 
CONCURRENT RESOLUTION 
Expressing the sense of the Congress that a postage stamp 
should be issued honoring the Nation’s coal miners.
Whereas the Nation is greatly indebted to coal miners for the 
difficult and dangerous work they perform to provide the 
fuel needed to operate the Nation’s industries and to pro-
vide energy to homes and businesses; 
Whereas millions of workers have toiled in the Nation’s coal 
mines over the last century, risking both life and limb to 
fuel the Nation’s economic expansion; 
Whereas during the last century, over 100,000 coal miners 
have been killed in mining accidents in the Nation’s coal 
mines, and 3,500,000 coal miners have suffered nonfatal 
injuries;
•HCON 61 IH 
Whereas 100,000 coal miners have contracted black lung dis-
ease as a direct result of their toil in the Nation’s coal 
mines; 
Whereas coal provides 50 percent of the Nation’s electricity 
and is an essential fuel for industries such as steel, ce-
ment, chemicals, food, and paper; 
Whereas the United States has a demonstrated coal reserve 
of more than 500,000,000,000 tons, with an estimated 
275,000,000,000 tons of recoverable reserves which, at 
current production rates, represents about 275 years of 
recoverable coal reserves; 
Whereas these coal reserves represent about 95 percent of all 
fossil fuel reserves in the United States, and about one 
fourth of the world’s known coal reserves; 
Whereas the recoverable coal reserves in the United States 
have the energy equivalent of about 1,000,000,000,000 
barrels of oil, which is comparable to all of the world’s 
known oil reserves; 
Whereas since the energy crises of the 1970s, United States 
dependence on foreign oil has grown substantially, with 
imported oil accounting for 39 percent of all oil consumed 
in 1973 and about 60 percent today; 
Whereas energy security is an integral component of the Na-
tion’s economy and national security; 
Whereas coal mining continues to be the economic engine for 
many communities, providing jobs to areas with little eco-
nomic diversity; 
Whereas coal mining provides economic benefits far beyond 
its direct revenues, including billions of dollars in eco-
nomic output and household earnings and hundreds of 
thousands of jobs in other industries; and
•HCON 61 IH 
Whereas issuing a postage stamp to honor the Nation’s coal 
miners is fitting and proper: Now, therefore, be it
Resolved by the House of Representatives (the Senate 
concurring), That it is the sense of Congress that—
(1) the United States Postal Service should 
issue a stamp honoring the Nation’s coal miners; 
and 
(2) the Citizens’ Stamp Advisory Committee of 
the United States Postal Service should recommend 
to the Postmaster General that such a stamp be 
issued.
Æ
IA 
112TH CONGRESS 
2D SESSION 
H. J. RES. 99 
Proposing an amendment to the Constitution of the United States to require 
that an increase in the Federal debt requires approval from a majority 
of the legislatures of the several States. 
IN THE HOUSE OF REPRESENTATIVES 
JANUARY 17, 2012 
Mr. SCHWEIKERT introduced the following joint resolution; which was referred 
to the Committee on the Judiciary 
JOINT RESOLUTION 
Proposing an amendment to the Constitution of the United 
States to require that an increase in the Federal debt 
requires approval from a majority of the legislatures 
of the several States. 
Resolved by the Senate and House of Representatives 
of the United States of America in Congress assembled
(two-thirds of each House concurring therein), That the fol-
lowing article is proposed as an amendment to the Con-
stitution of the United States, which shall be valid to all 
intents and purposes as part of the Constitution when 
ratified by the legislatures of three-fourths of the several 
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IV 
109TH CONGRESS 
1ST SESSION 
H. CON. RES. 62 
Expressing support for the designation and goals of ‘‘Hire a Veteran Week’’. 
IN THE HOUSE OF REPRESENTATIVES 
FEBRUARY 15, 2005 
Mr. HOLT (for himself, Mr. BROWN of South Carolina, Mr. TANNER, Mr. 
SERRANO, Ms. CARSON, Mr. WYNN, Mr. RANGEL, and Mr. OWENS) sub-
mitted the following concurrent resolution; which was referred to the 
Committee on Veterans’ Affairs, and in addition to the Committee on 
Armed Services, for a period to be subsequently determined by the Speak-
er, in each case for consideration of such provisions as fall within the ju-
risdiction of the committee concerned 
CONCURRENT RESOLUTION 
Expressing support for the designation and goals of ‘‘Hire 
a Veteran Week’’. 
Whereas the people of the United States have a sincere ap-
preciation and respect for the military personnel who 
serve in the Armed Forces of the United States; 
Whereas, although veterans possess special qualities and 
skills which make them ideal candidates for employment, 
many veterans encounter difficulties in securing employ-
ment; 
Whereas it would be inconsistent, inconsiderate, and contrary 
to the economic competitiveness of the United States to 
neglect the post-military needs of the military personnel
•HCON 62 IH 
who have served in the Armed Forces of the United 
States; 
Whereas many of the brave men and women who have served 
the United States so gallantly and selflessly in the war 
on terrorism and the war in Iraq since September 11, 
2001, are beginning to return home to be reunited with 
their loved ones and will be re-entering the workforce or 
searching for their first jobs outside of military service; 
and 
Whereas the Department of Veterans Affairs, the Depart-
ment of Labor, the Office of Personnel Management, and 
many State and local governments administer veterans 
programs and have veterans employment representatives 
both to ensure that veterans receive the services to which 
they are entitled and to promote employer interest in hir-
ing veterans: Now, therefore, be it 
Resolved by the House of Representatives (the Senate 
concurring), That the Congress 
(1) recognizes the importance of the men and 
women who have served or who currently serve in 
the Armed Forces of the United States; 
(2) supports the designation of an appropriate 
week as ‘‘Hire a Veteran Week’’; and 
(3) encourages the President to issue a procla-
mation calling upon employers, labor organizations, 
veterans service organizations, and Federal, State, 
and local governmental agencies to lend their sup-
port to increase employment of the men and women
•HCON 62 IH 
who have served in the Armed Forces of the United 
States. 
Æ
242 
without regard to any accumulation distribution deter-
mined for any succeeding taxable year. 
‘‘(c) PRO RATA PORTION OF TAXES DEEMED DIS-
TRIBUTED.—If any portion of an accumulation distribu-
tion for any taxable year is deemed under subsection (a) 
to be an amount within the meaning of paragraph (2) of 
section 146(a) distributed on the last day of any preceding 
taxable year and such portion of the accumulation dis-
tribution is less than the undistributed net income for such 
preceding taxable year, the trust shall be deemed to have 
distributed on the last day of such preceding taxable year 
an additional amount within the meaning of paragraph (2) 
of section 146(a). Such additional amount shall be equal 
to the taxes imposed on the trust for such taxable year 
attributable to the undistributed net income multiplied by 
the ratio of the portion of the accumulation distribution 
to the undistributed net income of the trust for such year. 
For purposes of this subsection, the undistributed net in-
come and the taxes imposed on the trust for such pre-
ceding taxable year attributable to such undistributed net 
income shall be computed without regard to the accumula-
tion distribution and without regard to any accumulation 
distribution determined for any succeeding taxable year. 
‘‘(d) RULE WHEN INFORMATION IS NOT AVAIL-
ABLE.—If adequate records are not available to determine 
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109TH CONGRESS
1ST SESSION
H. CON. RES. 63
CONCURRENT RESOLUTION
Permitting the use of the rotunda of the Capitol for
a ceremony as part of the commemoration of the
days of remembrance of victims of the Holocaust.
109TH CONGRESS
1ST SESSION
H. CON. RES. 63
CONCURRENT RESOLUTION
Resolved by the House of Representatives (the Senate
concurring),
•HCON 63 EH
SECTION 1. USE OF ROTUNDA FOR HOLOCAUST DAYS OF
REMEMBRANCE CEREMONY.
The rotunda of the Capitol is authorized to be used
on May 5, 2005, for a ceremony as part of the commemo-
ration of the days of remembrance of victims of the Holo-
caust. Physical preparations for the ceremony shall be car-
ried out in accordance with such conditions as the Archi-
tect of the Capitol may prescribe.
Passed the House of Representatives March 1,
2005.
Attest:
Clerk.
to the standard maximum deposit insurance 
amount and the standard maximum share 
insurance amount under such clause, the 
Board of Directors and the National Credit 
Union Administration Board shall— 
‘‘(I) publish in the Federal Reg-
ister the standard maximum deposit 
insurance amount, the standard max-
imum share insurance amount, and 
the amount of coverage under para-
graph (3)(A) and section 207(k)(3) of 
the Federal Credit Union Act, as so 
calculated; and 
‘‘(II) jointly submit a report to 
the Congress containing the amounts 
described in subclause (I). 
‘‘(iv) 6-MONTH
IMPLEMENTATION
PE-
RIOD.—Unless an Act of Congress enacted 
before July 1 of the calendar year in which 
an adjustment is required to be calculated 
under clause (i) provides otherwise, the in-
crease in the standard maximum deposit 
insurance amount and the standard max-
imum share insurance amount shall take ef-
IA 
112TH CONGRESS 
1ST SESSION 
H. J. RES. 9 
Disapproving a rule submitted by the Environmental Protection Agency relat-
ing to the National Emission Standards for Hazardous Air Pollutants 
from the Portland Cement Manufacturing Industry and Standards of 
Performance for Portland Cement Plants. 
IN THE HOUSE OF REPRESENTATIVES 
JANUARY 6, 2011 
Mr. CARTER (for himself and Mr. COLE) introduced the following joint 
resolution; which was referred to the Committee on Energy and Commerce 
JOINT RESOLUTION 
Disapproving a rule submitted by the Environmental Protec-
tion Agency relating to the National Emission Standards 
for Hazardous Air Pollutants from the Portland Cement 
Manufacturing Industry and Standards of Performance 
for Portland Cement Plants. 
Resolved by the Senate and House of Representatives
of the United States of America in Congress assembled, 
That Congress disapproves the rule submitted by the En-
vironmental Protection Agency relating to the National 
Emission Standards for Hazardous Air Pollutants from 
the Portland Cement Manufacturing Industry and Stand-
ards of Performance for Portland Cement Plants (pub-
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H. Con. Res. 63
Agreed to March 2, 2005
One Hundred Ninth Congress
of the
United States of America
AT THE FIRST SESSION
Begun and held at the City of Washington on Tuesday,
the fourth day of January, two thousand and five
Concurrent Resolution
Resolved by the House of Representatives (the Senate concur-
ring),
SECTION 1. USE OF ROTUNDA FOR HOLOCAUST DAYS OF REMEM-
BRANCE CEREMONY.
The Rotunda of the Capitol is authorized to be used on May
5, 2005, for a ceremony as part of the commemoration of the
days of remembrance of victims of the Holocaust. Physical prepara-
tions for the ceremony shall be carried out in accordance with
such conditions as the Architect of the Capitol may prescribe.
Attest:
Clerk of the House of Representatives.
Attest:
Secretary of the Senate.
IV 
109TH CONGRESS 
1ST SESSION 
H. CON. RES. 63 
Permitting the use of the rotunda of the Capitol for a ceremony as part 
of the commemoration of the days of remembrance of victims of the 
Holocaust. 
IN THE HOUSE OF REPRESENTATIVES 
FEBRUARY 15, 2005 
Mr. NEY (for himself, Ms. MILLENDER-MCDONALD, Mr. CANNON, Mr. CAN-
TOR, Mr. LANTOS, Mr. PORTER, and Mr. LATOURETTE) submitted the 
following concurrent resolution; which was referred to the Committee on 
House Administration 
CONCURRENT RESOLUTION 
Permitting the use of the rotunda of the Capitol for a cere-
mony as part of the commemoration of the days of 
remembrance of victims of the Holocaust. 
Resolved by the House of Representatives (the Senate 
concurring), 
SECTION 1. USE OF ROTUNDA FOR HOLOCAUST DAYS OF 
REMEMBRANCE CEREMONY. 
The rotunda of the Capitol is authorized to be used 
on May 5, 2005, for a ceremony as part of the commemo-
ration of the days of remembrance of victims of the Holo-
caust. Physical preparations for the ceremony shall be car-
•HCON 63 IH 
ried out in accordance with such conditions as the Archi-
tect of the Capitol may prescribe. 
Æ