Competition in financial services : hearing before the Subcommittee on Commerce, Transportation, and Tourism of the Committee on Energy and Commerce, House of Representatives, first session on H.R. 3397, a bill to establish a Commission on Capital Markets to evaluate the capital needs of the United States economy and the effects of federal and state regulation of financial and investment institutions and other financial intermediaries on capital formation and allocation and on economic activity, and for other purposes : H.R. 3537, a bill to authorize depository institution holding companies to engage in activities of a financial nature, insurance underwriting and brokerage, real estate development and brokerage, and certain securities activities including dealing in , underwriting and purchasing government and municipal securities, sponsoring and managing investment companies and underwriting the securities thereof, to provide for the safe and sound operation of depository institutions, to amend the Federal Reserve Act, the Home Owners' Loan Act of 1933, and the Bank Service Corporation Act, and for other purposes, July 19, 1983.