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House debates financial deregulation bill that would lift certain caps for depository institutions

Utah House of Representatives · March 3, 1999
AI-Generated Content: All content on this page was generated by AI to highlight key points from the meeting. For complete details and context, we recommend watching the full video. so we can fix them.

Summary

Lawmakers debated a first-substitute to Senate Bill 113 that would deregulate caps on NSF and delinquency charges for depository institutions with borrower consent; critics warned of consumer harms while proponents argued for competitiveness and economic development. The House substituted the bill and later circled it for further work.

On March 3 the House considered a major financial-services measure, first substitute Senate Bill 113, that would remove statutory caps on certain fees (bounced-check and delinquency charges) for depository institutions if the borrower consents. Supporters framed the package as a pro‑competitive deregulation that helps Utah retain and attract financial firms; Representative Gladwell said the change allows institutions and borrowers to agree to…

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