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97th Congress acquisition amendments American Banker application approval assets authority Bank Board bank holding company bank's banking laws BHC Act BHCA Board of Governors brokerage activities brokerage services Citibank commercial banks commercial loans commercial paper common trust fund Comptroller Comptroller's Congress Currency customers decision deposit account depository institutions discount brokerage Dreyfus engaged exemption FDIC Federal Reserve Board Federal Reserve System FHLBB FIDA financial services firms Glass-Steagall Act Holding Company Act interest rate investment adviser Investment Company Act Investment Company Institute issued joint venture loan associations McFadden Act member bank ment Merrill Lynch money market fund mutual funds national banks non-bank banks offer operations participation permitted prohibited proposed purchase Regulation retail repos S&Ls savings and loan Section 20 Securities Act securities activities securities affiliate service corporations Steagall Act subsidiary supra tion transactions Trust Company underwriting Urban Affairs Committee