H.R. 1095 (104th): Check Cashing Act of 1995

Mar 01, 1995 (104th Congress, 1995–1996)
Died (Referred to Committee)
Cleo Fields
Representative for Louisiana's 4th congressional district
Read Text »
Last Updated
Mar 01, 1995
16 pages
Related Bills
H.R. 1448 (103rd) was a previous version of this bill.

Referred to Committee
Last Action: Mar 24, 1993


This bill was introduced on March 1, 1995, in a previous session of Congress, but was not enacted.

Introduced Mar 01, 1995
Referred to Committee Mar 01, 1995
Full Title

To establish a State system of licensing or registering persons engaged in a business which regularly and primarily charges fees for cashing checks, and to provide for insured financial depository institutions to cash checks issued by States of the United States.


No summaries available.


House Financial Services

Financial Institutions and Consumer Credit

The committee chair determines whether a bill will move past the committee stage.

Primary Source

THOMAS.gov (The Library of Congress)

GovTrack gets most information from THOMAS, which is updated generally one day after events occur. Activity since the last update may not be reflected here. Data comes via the congress project.


Get a bill status widget for your website »


Click a format for a citation suggestion:


H.R. stands for House of Representatives bill.

A bill must be passed by both the House and Senate in identical form and then be signed by the president to become law.

The bill’s title was written by its sponsor.

GovTrack’s Bill Summary

We don’t have a summary available yet.

Library of Congress Summary

The summary below was written by the Congressional Research Service, which is a nonpartisan division of the Library of Congress.

Check Cashing Act of 1995 - Requires any person other than a depository institution to obtain a State license or registration as a prerequisite to conducting a check cashing business.
Prescribes guidelines under which the Federal Trade Commission may approve a State check cashing business licensing or registration system.
Cites circumstances under which an insured depository institution or (with respect to its members) credit union may not refuse to cash a government check presented by a payee.
Declares that the National Credit Union Administration Board may not prohibit any federally chartered (community development) credit union from dispensing benefits under a Federal or State assistance program that are authorized to be dispensed by a check cashing service.
Directs the Comptroller General to study and report to the Congress on:
(1) the effectiveness of the dispensation of benefits under Federal and State assistance programs through federally chartered credit unions; and
(2) the effects of requiring the use of a debit card system for making all federal benefit payments, as well as other innovative ways to upgrade current methods by which the Federal Government delivers benefit payment checks.

House Republican Conference Summary

The summary below was written by the House Republican Conference, which is the caucus of Republicans in the House of Representatives.

No summary available.

House Democratic Caucus Summary

The House Democratic Caucus does not provide summaries of bills.

So, yes, we display the House Republican Conference’s summaries when available even if we do not have a Democratic summary available. That’s because we feel it is better to give you as much information as possible, even if we cannot provide every viewpoint.

We’ll be looking for a source of summaries from the other side in the meanwhile.

Use the comment space below for discussion of the merits of H.R. 1095 (104th) with other GovTrack users.
Your comments are not read by Congressional staff.

comments powered by Disqus