PUBLIC LAW 103-328—SEPT. 29, 1994 108 STAT. 2361 to manage at any branch or subsidiary of such bank which is located outside the United States. "(2) REGULATIONS.— Any regulations promulgated to carry out this section— "(A) shall be promulgated in accordance with section 13; and "(B) shall be uniform, to the extent practicable.". (2) EFFECTIVE DATE.— The amendment made by paragraph 12 USC 3105 (1) shall become effective at the end of the 180-day period ^°^- beginning on the date of enactment of this Act. (f) MEETING COMMUNITY CREDIT NEEDS.— Section 5(a) of the International Banking Act of 1978 (12 U.S.C. 3103(a)) (as amended by section 104 of this Act) is amended by inserting after paragraph (7) the following new paragraph: "(8) CONTINUING REQUIREMENT FOR MEETING COMMUNITY CREDIT NEEDS AFTER INITIAL INTERSTATE ENTRY BY ACQUISI- TION.— "(A) IN GENERAL.— I f a foreign bank acquires a bank or a branch of a bank, in a State in which the foreign bank does not maintain a branch, and such acquired bank is, or is part of, a regulated financial institution (as defined in section 803 of the Community Reinvestment Act of 1977), the Community Reinvestment Act of 1977 shall continue to apply to each branch of the foreign bank which results from the acquisition as if such branch were a regulated financial institution. "(B) EXCEPTION FOR BRANCH THAT RECEIVES ONLY DEPOSITS PERMISSIBLE FOR AN EDGE ACT CORPORATION.— Paragraph (1) shall not apply to any branch that receives only such deposits as are permissible for a corporation organized under section 25A of the Federal Reserve Act to receive.". SEC. 108. FEDERAL RESERVE BOARD STUDY ON BANK FEES. (a) IN GENERAL.—Section 1002 of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (12 U.S.C. 1811 note) is amended to read as follows: "SEC. 1002. SURVEY OF BANK FEES AND SERVICES. "(a) ANNUAL SURVEY REQUIRED.— The Board of Governors of the Federal Reserve System shall obtain a sample, which is representative by geographic location and size of the institution, of— "(1) certain retail banking services provided by insured depository institutions; and "(2) the fees, if any, which are imposed by such institutions for providing any such service, including fees imposed for not sufficient funds, deposit items returned, and automated teller machine transactions. "(b) ANNUAL REPORT TO CONGRESS REQUIRED. — "(1) PREPARATION.— The Board of Governors of the Federal Reserve System shall prepare a report of the results of each survey conducted pursuant to subsection (a). "(2) CONTENTS OF THE REPORT. —Each report prepared pursuant to paragraph (1) shall include— "(A) a description of any discernible trend, in the Nation as a whole and in each region, in the cost and availability of retail banking services which delineates dif-
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