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amendment annuities Arnold Tours Arthur Levitt assets Association authority bank activities bank holding companies bank powers bank securities activities bank's Bankers Trust Banking Committee banking industry banking organizations banking regulators banking system bill broker broker-dealers brokerage activities BT Securities business of banking capital Chairman charter commercial banks competitive Comptroller conduct Cong Congress consumer Corporation Court cyberbanking depository institutions disclosure electronic enforcement entity enumerated powers examinations exempt Federal Reserve Board financial institutions financial services firewalls FSHCs functional regulation Glass-Steagall Act Holding Company Act House Banking imposed incidental powers insurance activities issues legislation Levitt limited loans McFadden Act mortgage mutual funds NASD National Bank Act nonbank operations permitted prohibit proposed protection regulatory relief requirements restrictions rules safety and soundness SEC's securities affiliate securities firms securities laws statute subsidiaries supervision thrift transactions VALIC York