U.S. Congress - H.R.3077 Freedom and Mobility in Consumer Banking Act
H.R.3077 - Freedom and Mobility in Consumer Banking Act
To amend the Federal Deposit Insurance Act to ensure that customers have the right to immediately close any account at any insured depository institutions on demand, without cost to the consumer, that consumers receive any balance in their account immediately, and for other purposes. view all titles (2)
All Bill Titles
- Official: To amend the Federal Deposit Insurance Act to ensure that customers have the right to immediately close any account at any insured depository institutions on demand, without cost to the consumer, that consumers receive any balance in their account immediately, and for other purposes. as introduced.
- Short: Freedom and Mobility in Consumer Banking Act as introduced.
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Official Summary
10/3/2011--Introduced.Freedom and Mobility in Consumer Banking Act - Amends the Federal Deposit Insurance Act (FDIA) to prohibit an insured depository institution from: (1) prohibiting any person from closing a checking or savings account, regardless of its balance; or (2) charging a fee tOfficial Summary
10/3/2011--Introduced.Freedom and Mobility in Consumer Banking Act - Amends the Federal Deposit Insurance Act (FDIA) to prohibit an insured depository institution from:(1) prohibiting any person from closing a checking or savings account, regardless of its balance; or
(2) charging a fee to close such an account. Requires a depository institution to close an account within 48 hours after receiving a request from the customer to do so. Permits an account holder to request that the account be closed in person, over the phone, or by other electronic or remote means, as may be prescribed by regulation. Sets forth financial institution procedures for closing large accounts and repaying balances, as well as notice and opportunity for accountholder repayment of overdrafts. Prohibits a depository institution from:
(1) imposing fees or charges after receiving a request to close an account, or
(2) reopening an account without express account holder request.
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Latest Letters to Congress
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H.R.3077 Freedom and Mobility in Consumer Banking Act
rebelwords
July 26, 2012
I am writing as your constituent in the 1st Congressional district of Oregon. I am writing as your constituent in the 1st Congressional district of Oregon. I am writing as your constituent in the 1st Congressional district of Oregon. I am writing as your constituent in the 1st Congressional district of Oregon. I am writing as your constituent in the 1st Congressional district of Oregon. I am writing as your constituent in the 1st Congressional district of Oregon. I support H.R.3077 - Fr...
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H.R.3077 Freedom and Mobility in Consumer Banking Act
dfmarler
March 26, 2012
I am writing as your constituent in the 9th Congressional district of Florida. I support H.R.3077 - Freedom and Mobility in Consumer Banking Act, and am tracking it using OpenCongress.org, the free public resource website for government transparency and accountability.
This bill has been assigned to the House Financial Services committee.
I know the most recent action for this bill is as follows: "Referred to the Subcommittee on Financial Institutions and Consumer Credit." on Oct 21, 2011... -
H.R.3077 Freedom and Mobility in Consumer Banking Act
jeanmarietodd
January 08, 2012
I am writing as your constituent in the 1st Congressional district of California. I am writing as your constituent in the 1st Congressional district of California. I support H.R.3077 - Freedom and Mobility in Consumer Banking Act, and am tracking it using OpenCongress.org, the free public resource website for government transparency and accountability.
Sincerely,
Jeanmarie Todd
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