“ TITLE I — SAFETY AND SOUNDNESS Subtitle A — Deposit Insurance Funds Sec. 101. Funding for the Federal deposit insurance funds. Sec. 102. Limitation on outstanding borrowing. Sec. 103. Repayment schedule. Sec. 104. Recapitalizing the Bank Insurance Fund. Sec. 105. Borrowing for BIF from BIF members. Subtitle B — Supervisory Reforms Sec. 111. Improved examinations. Sec. 112. Independent annual audits of insured depository institutions. Sec. 113. Assessments required to cover costs of examinations. Sec. 114. Examination and supervision fees for national banks and savings associations. ”

“ Restrictions on real estate lending. Sec. 305. Improving capital standards. Sec. 306. Safeguards against insider abuse. Sec. 307. FDIC back-up enforcement authority. Sec. 308. Interbank liabilities. Subtitle B — Coverage Sec. 311. Deposit and pass-through insurance. Sec. 312. Foreign deposits. Sec. 313. Penalty for false assessment reports. Subtitle C — Demonstration Project and Studies Sec. 321. Feasibility study on authorizing insured and uninsured deposit accounts. Sec. 322. Private reinsurance study. TITLE IV — MISCELLANEOUS PROVISIONS Subtitle A — Payment System Risk Reduction Sec. 401. ”

“ HOUSE REPORTS: No. 102-330 (Comm. on Banking, Finance, and Urban Affairs) No. 102-407 (Comm. of Conference) SENATE REPORTS: No. 102-167 (Comm. on Banking, Housing, and Urban Affairs) CONGRESSIONAL RECORD, Vol. 137 (1991) : Nov. 21, considered and passed Senate with an amendment. ”