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affiliates agency alleged apply assets authority bank holding company bank's banking and commerce Banking Committee banking products banking regulators believe Bergmeyer bill Board broker broker-dealer capital Chairman charter cial commercial Commission commissioners competition complaint concerns Congress consolidated consumer protection corporate Council customers demutualization deposit insurance Dingell engage entities Exchange Act exemption FDIC Federal Reserve Federal Reserve Board FEDERAL SAVINGS ASSOCIATIONS financial institutions financial modernization financial services financial services industry FSAs functional regulation Glass-Steagall Act Greenspan insurance companies insurance products insurance regulators investment investors issue legislation Levitt licensing limited loan marketplace MassMutual ment million mutual funds mutual holding company NARAB NASAA NASD national banks nonbank operating subsidiaries oversight Oxley percent permit policyholders real estate regu regulatory requirements Retsinas risk rules safety and soundness Section securities activities securities firms sell statement structure Subcommittee subsidy supervision surance Thank tion title insurance transactions underwriting violations