108 STAT. 2160 PUBLIC LAW 103-325—SEPT. 23, 1994 Public Law 103-325 103d Congress An Act Sept. 23. 1994 [H.R. 3474] Riegle Community Development and Regulatory Improvement Act of 1994. 12 USC 4701 note. To reduce administrative requirements for insured depository institutions to the extent consistent with safe and sound banking practices, to facilitate the establishment of community development financial institutions, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE; TABLE OF CONTENTS. (a) SHORT TITLE.—T his Act may be cited as the "Riegle Community Development and Regulatory Improvement Act of 1994". (b) TABLE OF CONTENTS. —The table of contents for this Act is as follows: Sec. 1. Short title; table of contents. TITLE I—COMMUNITY DEVELOPMENT AND CONSUMER PROTECTION Subtitle A—Community Development Banking and Financial Institutions Act Sec. 101. Short title. Sec. 102. Findings and purposes. Sec. 103. Definitions. Sec. 104. Establishment of National Fund for Community Development Banking. Sec. 105. Applications for assistance. Sec. 106. Community partnerships. Sec. 107. Selection of institutions. Sec. 108. Assistance provided by the Fund. Sec. 109. Training. Sec. 110. Encouragement of private entities. Sec. 111. Collection and compilation of information. Sec. 112. Investment of receipts and proceeds. Sec. 113. Capitalization assistance to enhance liquidity. Sec. 114. Incentives for depository institution participation. Sec. 115. Recordkeeping. Sec. 116. Special provisions with respect to institutions that are supervised by Federal banking agencies. Sec. 117. Studies and reports; examination and audit. Sec. 118. Inspector General. Sec. 119. Enforcement. Sec. 120. Community Development Revolving Loan Fund for credit unions. Sec. 121. Authorization of appropriations. Subtitle B—Home Ownership and Equity Protection Sec. 151. Short title. Sec. 152. Consumer protections for certain mortgages. Sec. 153. Civil Hability. Sec. 154. Reverse mortgage disclosure. Sec. 155. Regulations. Sec. 156. Applicability. Sec. 157. Federal Reserve study. Sec. 158. Hearings on home equity lending. TITLE II—SMALL BUSINESS CAPITAL FORMATION Subtitle A—Small Business Loan Securitization Sec. 201. Short title.
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