A bill to prohibit federally insured financial institutions from engaging in certain promotional practices.

Provides that, except in the case of interest or dividends, no federally insured financial institution may offer or deliver any merchandise or any certificate, stamp, ticket, or other obligation or memorandum which is or may be redeemable in merchandise, money, or credit as an inducement to any person to make, open, or add to any deposit or account. (Amends 12 U.S.C. 371b, 1828(g), 1425b)