113 STAT. 1476 PUBLIC LAW 106-102—NOV. 12, 1999 (c) REPORT TO THE CONGRESS. —Before the end of the 1-year period beginning on the date of the enactment of this Act, the Comptroller General shall submit a report to the Congress containing the findings and conclusions of the Comptroller General in connection with the study required under this section, together with such recommendations for such legislative or administrative actions as the Comptroller General may determine to be appropriate, including recommendations for resolving any such conflict of interest. 12 USC 4801 SEC. 729. STUDY AND REPORT ON ADAPTING EXISTING LEGISLATIVE note. REQUIREMENTS TO ONLINE BANKING AND LENDING. (a) STUDY REQUIRED.— The Federal banking agencies shall conduct a study of banking regulations regarding the delivery of financial services, including those regulations that may assume that there will be person-to-person contact during the course of a financial services transaction, and report their recommendations on adapting those existing requirements to online banking and lending. (b) REPORT REQUIRED.— Before the end of the 2-year period beginning on the date of the enactment of this Act, the Federal banking agencies shall submit a report to the Congress on the findings and conclusions of the agencies with respect to the study required under subsection (a), together with such recommendations for legislative or regulatory action as the agencies may determine to be appropriate. (c) DEFINITION. —For purposes of this section, the term "Federal banking agencies" means each Federal banking agency (as defined in section 3(z) of the Federal Deposit Insurance Act). SEC. 730. CLARIFICATION OF SOURCE OF STRENGTH DOCTRINE. Section 18 of the Federal Deposit Insurance Act (12 U.S.C. 1828) is amended by adding at the end the following new subsection: "(t) LIMITATION ON CLAIMS.— "(1) IN GENERAL. —No person may bring a claim against any Federal banking agency (including in its capacity as conservator or receiver) for the return of assets of an affiliate or controlling shareholder of the insured depository institution transferred to, or for the benefit of, an insured depository institution by such affiliate or controlling shareholder of the insured depository institution, or a claim against such Federal banking agency for monetary damages or other legal or equitable relief in connection with such transfer, if at the time of the transfer— "(A) the insured depository institution is subject to any direction issued in writing by a Federal banking agency to increase its capital; "(B) the insured depository institution is undercapitalized (as defined in section 38 of this Act); and "(C) for that portion of the transfer that is made by an entity covered by section 5(g) of the Bank Holding Company Act of 1956 or section 45 of this Act, the Federal banking agency has followed the procedure set forth in such section. "(2) DEFINITION OF CLAIM.— For purposes of paragraph (1), the term 'claim'— "(A) means a cause of action based on Federal or State law that—
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