Riegle-Neal Amendments Act of 1997
Public Law 105-24 · H.R. 1306 · 105th Congress · began in the House
Signed by Bill Clinton (D) on Jul 3, 1997 · Finance and Financial Sector
Sponsor: Rep. Marge Roukema (R-NJ-5)
Cosponsors (32): Rep. Jim Leach, Rep. John LaFalce,
Passage votes
- HouseUnanimous consent
- SenateUnanimous consent
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.
Riegle-Neal Amendments Act of 1997 - Amends the Federal Deposit Insurance Act (FDIA) to declare that: (1) the laws of a host State (including laws on community reinvestment, consumer protection, fair lending, and establishment of intrastate branches) shall apply to any out-of-State bank branch in that State to the same extent as such laws apply to a branch in the host State of an out-of-State national bank; and (2) an insured State bank that establishes a branch in a host State may conduct any activity permissible under the laws of its home State if such activity is permissible for a bank chartered by the host State, or for a branch in the host State of an out-of-State national bank.
States that, to the extent host State law does not apply to an out-of-State bank branch, the home State law shall apply.
Precludes construction of this Act as affecting the applicability of: (1) any State law of any home State under certain statutory guidelines governing FDIA approval of authorized interstate merger transactions; or (2) Federal law to State banks and State bank branches in either the home State or the host State.
Amends the Revised Statutes to require the Comptroller of the Currency to review the actions it has taken during the preceding year regarding the applicability of State law to national banks, and include review results in its annual report. Requires the first review to encompass all such actions taken on or before January 1, 1992.
Declares that this Act does not alter the right of States to opt out of certain interest rate requirements of the Depository Institutions Deregulation and Monetary Control Act of 1980.
Committees
The committees the bill was sent to, and what each did with it.
Financial Services Committee · House · referred toSubcommittee: Consumer Protection and Financial Institutions Subcommittee
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. 18 actions.
- Jul 3, 1997Became lawBecame law · Became Public Law No: 105-24.
- Became lawBecame law · Signed by President.
- Jun 26, 1997PresidentPresident · Presented to President.
- Jun 24, 1997Resolving differencesResolving differences · Motion to reconsider laid on the table Agreed to without objection.
- Resolving differencesResolving differences · On motion that the House agree to the Senate amendments Agreed to without objection.
- Resolving differencesResolving differences · Mrs. Roukema asked unanimous consent that the House agree to the Senate amendments.
- Jun 12, 1997FloorFloor · Passed Senate with amendments and an amendment to the Title by Unanimous Consent.
- FloorFloor · Amendment SP 373 agreed to in Senate by Unanimous Consent.
- FloorFloor · Amendment SP 372 agreed to in Senate by Unanimous Consent.
- May 21, 1997FloorFloor · Motion to reconsider laid on the table Agreed to without objection.
- FloorFloor · On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.
- FloorFloor · Mrs. Roukema moved to suspend the rules and pass the bill, as amended.
- May 7, 1997CommitteeCommittee · Reported by Consumer Protection and Financial Institutions Subcommittee of the House Financial Services Committee
- CommitteeCommittee · Markup by Consumer Protection and Financial Institutions Subcommittee of the House Financial Services Committee
- Apr 30, 1997CommitteeCommittee · Hearings by Consumer Protection and Financial Institutions Subcommittee of the House Financial Services Committee
- Apr 25, 1997CommitteeCommittee · Referred to Consumer Protection and Financial Institutions Subcommittee of the House Financial Services Committee
- Apr 10, 1997CommitteeCommittee · Referred to House Financial Services Committee
- IntroducedIntroduced · Introduced in the House
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.