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118-s-4799Committee
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Discount Window Enhancement Act of 2024

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Summary

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The Discount Window Enhancement Act of 2024 amends the Federal Reserve Act to require depository institutions (banks and credit unions) to conduct regular testing of their ability to borrow from the Federal Reserve's discount window and to demonstrate operational readiness to do so. The bill mandates that larger institutions (over $100 billion in assets) test quarterly and smaller institutions ($10–100 billion in assets) test semiannually, and requires federal banking regulators to issue implementing regulations within 180 days. The Federal Reserve must also improve discount window operations—including extending access hours to 8 p.m., creating an online platform, and standardizing procedures across all Federal Reserve banks—and conduct a study on reducing stigma associated with discount window borrowing.

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Bill details

Congress
118
Bill type
s
Introduced
July 25, 2024
Sponsor
Not yet available
Last action
July 25, 2024— Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

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