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12 U.S.C. § 345Rediscount of notes, drafts, and bills for member banks; limitation of amount

submitted 113 years ago by ch. 6 to r/title-12-BANKS-AND-BANKING · 90 words · no verdicts yet

in plain englishAI-generated · not legal advice

A person, partnership, or company can only owe so much on notes and bills rediscounted for one member bank. That limit matches what a national bank could lawfully lend the same borrower. This does not change what kinds of paper Federal Reserve banks may currently rediscount.

If a person, partnership, association, or corporation is liable — as maker, acceptor, endorser, drawer, or guarantor — on notes, drafts, and bills that a member bank has rediscounted, the total of everything they are liable for can never exceed the amount they could lawfully borrow from a national bank under section 84 of this title. This section does not change which kinds of paper Federal Reserve banks are currently allowed to rediscount.
the actual law source: uscode.house.gov ↗public domain

The aggregate of notes, drafts, and bills upon which any person, copartnership, association, or corporation is liable as maker, acceptor, indorser, drawer, or guarantor, rediscounted for any member bank, shall at no time exceed the amount for which such person, copartnership, association, or corporation may lawfully become liable to a national banking association under the terms of section 84 of this title: Provided, however, That nothing in this section shall be construed to change the character or class of paper now eligible for rediscount by Federal reserve banks.

Source credit: (Dec. 23, 1913, ch. 6, § 13 (par.), 38 Stat. 264; Mar. 3, 1915, ch. 93, 38 Stat. 958; Sept. 7, 1916, ch. 461, 39 Stat. 752; Apr. 12, 1930, ch. 140, 46 Stat. 162.)

history & why it existsrecord from the source credit
  • 1913Enacted · Act of Dec. 23, 1913, ch. 6 · 38 Stat. 264
  • 1915Amended · Act of Mar. 3, 1915, ch. 93 · 38 Stat. 958
  • 1916Amended · Act of Sept. 7, 1916, ch. 461 · 39 Stat. 752
  • 1930Amended · Act of Apr. 12, 1930, ch. 140 · 46 Stat. 162

A history note hasn’t been published yet. The record shows enactment by ch. 6 on 1913-12-23.

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