Depository Institutions Disaster Relief Act of 1993
Public Law 103-76 · S. 1273 · 103rd Congress · began in the Senate
Signed by Bill Clinton (D) on Aug 12, 1993 · Finance and Financial Sector
Sponsor: Sen. Kit Bond (R-MO)
Cosponsors (9): Sen. Alfonse D’Amato, Sen. Robert Dole,
Passage votes
- HouseUnanimous consent
- SenateVoice vote
Data notes
The final version of the law, as each chamber passed it. A chamber that passed it by voice vote or unanimous consent has no count. “Method not stated” means the record does not say how the chamber voted. Where the record has a member-by-member vote, the “Who voted for it” section shows who voted yea.
Summary
The Congressional Research Service’s plain-language summary of what the law does.
Depository Institutions Disaster Relief Act of 1993 - Authorizes the Board of Governors of the Federal Reserve System to make exceptions for a specified period to the Truth in Lending Act and the Expedited Funds Availability Act with respect to transactions and depository institutions located within either a federally declared major disaster area or certain areas damaged by the 1993 flooding of the Mississippi River and its tributaries.
Cites conditions under which: (1) an insured depository institution may subtract from its total assets a specified amount attributable to insurance proceeds when it is calculating compliance with prescribed leverage limits; and (2) a qualifying regulatory agency may deviate from certain statutory requirements with respect to regulated entities located in disaster areas.
Directs the Secretary of the Treasury to study and report to the Congress on the efficacy of certain disaster relief Acts, including this one, with respect to facilitating recovery from major disasters.
Expresses the sense of the Congress that specified Federal banking regulatory agencies should encourage depository institutions to meet the financial services needs of their communities and customers located in areas affected by the 1993 flooding of the Mississippi River and its tributaries.
Committees
The committees the bill was sent to, and what each did with it.
Data notes
A committee links to its page only where it exists in the current Congress; older and renamed committees are named without a link.
Timeline
From introduction to signing, newest first: the committees, the floor and the president. 15 actions.
- Aug 12, 1993Became lawBecame law · Became Public Law No: 103-76.
- Became lawBecame law · Signed by President.
- Aug 9, 1993PresidentPresident · Presented to President.
- Aug 5, 1993Resolving differencesResolving differences · Senate agreed to the House amendments by Voice Vote.
- Aug 3, 1993FloorFloor · A similar measure H.R. 2808 was laid on the table without objection.
- FloorFloor · The title of the measure was amended. Agreed to without objection.
- FloorFloor · Motion to reconsider laid on the table Agreed to without objection.
- FloorFloor · On passage Passed without objection.
- FloorFloor · Considered by unanimous consent.
- FloorFloor · Mr. Gonzalez asked unanimous consent to take from the Speaker's table and consider.
- Jul 30, 1993FloorFloor · Passed Senate with an amendment by Voice Vote.
- FloorFloor · Measure laid before Senate by unanimous consent.
- CommitteeCommittee · Discharged from Senate Banking, Housing, and Urban Affairs Committee
- Jul 21, 1993CommitteeCommittee · Referred to Senate Banking, Housing, and Urban Affairs Committee
- IntroducedIntroduced · Introduced in the Senate
Data notes
Shows the introduction, each committee and subcommittee step the source dates (referral, hearings, markup, report, discharge), and the floor, conference, presidential and became-law steps. Calendar placements, messages between the chambers, amendments and committee report numbers are not shown for laws before the 108th Congress. Two entries the source lists twice are shown once.
Official record
The bill’s full text and every action, including introduction and committee steps, are on Congress.gov. Data through Oct 7, 2026.