Financial Institutions Restructuring and Services Act of 1981. Part 1, October 19, 20, 21, and 22, 1981 : hearings before the Committee on Banking, Housing, and Urban Affairs, United States Senate, Ninety-seventh Congress, first session on S. 1686, to amend the Federal Reserve Act to provide that deposits of state and local governments will not be subject to reserve requirements, and for other purposes : S. 1703, to enhance the competitiveness of thrift institutions, to protect depositors and creditors of such institutions, and for other purposes : S. 1720, to enhance the competitiveness of depository institutions, to expand the range of services provided by such institutions, to protect depositors and creditors of such institutions, and for other purposes : S. 1721, to combine the insurance funds of the Federal Depository Insurance Corporation, the Federal Savings and Loan Insurance Corporations and the National Credit Union Share Insurance Fund, and for other purposes.