Credit Union Share Insurance Fund Parity Act

3/14/2024, 12:48 PM

Congressional Summary of HR 3468

(This measure has not been amended since it was passed by the House on May 6, 2014. The summary of that version is repeated here.)

Credit Union Share Insurance Fund Parity Act - Amends the Federal Credit Union Act regarding insured amounts payable in connection with a bankrupt state-chartered credit union for which the National Credit Union Administration (NCUA) Board is the liquidating agent.

Revises requirements relating to the limitation to the standard maximum share insurance amount ($250,000) for the net amount of share insurance payable to any member at an insured credit union in the event of such a bankruptcy. Applies the limitation also to any person with funds lawfully held in a member account.

Requires the Board to provide pass-through share insurance paid by certain lawyers administering deposits or shares of any interest on a lawyer's trust account (IOLTA), or paid by the escrow agent administering other similar escrow accounts.

Defines "IOLTA" as a system in which lawyers place certain client funds in interest-bearing or dividend-bearing accounts, with the interest or dividends then used to fund programs such as legal service organizations providing services to clients in need.

Treats IOLTAs as escrow accounts for share insurance purposes, and considers them as member accounts if the administering attorney or escrow agent is a member of the insured credit union in which the funds are held.

Declares that nothing in this Act shall be construed as authorizing an insured credit union to accept IOLTA or similar escrow account deposits in an amount greater than authorized under federal or state law.

Current Status of Bill HR 3468

Bill HR 3468 is currently in the status of Bill Introduced since November 13, 2013. Bill HR 3468 was introduced during Congress 113 and was introduced to the House on November 13, 2013.  Bill HR 3468's most recent activity was Became Public Law No: 113-252. as of December 18, 2014

Bipartisan Support of Bill HR 3468

Total Number of Sponsors
1
Democrat Sponsors
0
Republican Sponsors
1
Unaffiliated Sponsors
0
Total Number of Cosponsors
4
Democrat Cosponsors
3
Republican Cosponsors
1
Unaffiliated Cosponsors
0

Policy Area and Potential Impact of Bill HR 3468

Primary Policy Focus

Finance and Financial Sector

Potential Impact Areas

Bank accounts, deposits, capitalBanking and financial institutions regulationBankruptcyInterest, dividends, interest ratesLawyers and legal services

Alternate Title(s) of Bill HR 3468

Credit Union Share Insurance Fund Parity ActTo amend the Federal Credit Union Act to extend insurance coverage to amounts held in a member account on behalf of another person, and for other purposes.Credit Union Share Insurance Fund Parity ActCredit Union Share Insurance Fund Parity ActCredit Union Share Insurance Fund Parity ActCredit Union Share Insurance Fund Parity Act
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