Bill Text - SB333 (2024)

Relative to access to financial services for minors in legal custody or guardianship and relative to the board of directors of mutual banks and mutual holding companies.


Revision: Nov. 18, 2023, 9:23 a.m.

 

2024 SESSION

24-2839.0

08/05

 

SENATE BILL [bill number]

 

AN ACT relative to access to financial services for minors in legal custody or guardianship and relative to the board of directors of mutual banks and mutual holding companies.

 

SPONSORS: [sponsors]

 

COMMITTEE: [committee]

 

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ANALYSIS

 

This bill makes provisions for minors in legal custody or guardianship arrangements to open a bank account under certain conditions.

 

This bill also requires that the board of directors of mutual banks and mutual holding companies live in New Hampshire or in a state that borders New Hampshire.

 

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Explanation: Matter added to current law appears in bold italics.

Matter removed from current law appears [in brackets and struckthrough.]

Matter which is either (a) all new or (b) repealed and reenacted appears in regular type.

24-2839.0

08/05

 

STATE OF NEW HAMPSHIRE

 

In the Year of Our Lord Two Thousand Twenty Four

 

AN ACT relative to access to financial services for minors in legal custody or guardianship and relative to the board of directors of mutual banks and mutual holding companies.

 

Be it Enacted by the Senate and House of Representatives in General Court convened:

 

1  New Section; Residential Care and Child-Placing Agencies; Consent for Certain Minors to Open Banking Accounts.  Amend RSA 170-E by inserting after section 51 the following new section:

170-E:51-a Consent for Certain Minors to Open Banking Accounts.

A minor who is 16 years of age or older and who is in the legal custody of the department of health and human services pursuant to an order from a court of competent jurisdiction shall be deemed qualified and competent to contract for the opening of a checking or savings account with a bank or credit union upon the written consent of the department or pursuant to an order rendered by a court of competent jurisdiction.  Such consent may be conditional to a maximum dollar amount for protection of public benefits available to the minor or other such protective action as required.  The minor shall be responsible for paying all banking-related costs associated with the checking or savings account and shall be liable for any and all penalties should he or she violate a banking agreement.  The department, foster parent, court appointed guardian or entity providing case management of children on behalf of a department shall not be responsible for paying any bank fees nor liable for any and all penalties related to violation of a banking agreement made under this section.  The commissioner may adopt rules, under RSA 541-A, as necessary to implement the purposes of this section.

2  Management; Depository Bank.  Amend RSA 383-B:3-302(a) to read as follows:

(a)  A depository bank shall have a board of not less than 5 directors, of which a majority shall be residents of New Hampshire or a state that borders New Hampshire.

3  Effective Date.  

I.  Section 1 of this act shall take effect 60 days after its passage.

II.  The remainder of this act shall take effect upon its passage.