A bill to amend the Federal Deposit Insurance Act, the National Housing Act, and the Federal Credit Union Act to restrict the manner in which federally insured depository institutions may increase fees on individual retirement accounts.

Amends the Internal Revenue Code to prohibit any increase in a fee amount contained in the fee schedule included in the governing instrument of an individual retirement account, or any imposition of a fee not declared in such instrument, from taking effect before the end of a 90-day period beginning on the later of: (1) the date on which the individual for whom the account is maintained is notified; or (2) the earliest date on which such individual may withdraw the balance of the account without incurring any institutional penalty for early withdrawal. Amends the Federal Deposit Insurance Act, the National Housing Act, and the Federal Credit Union Act to require each federally-insured bank, savings and loan association, and credit union, respectively, to comply with such requirement.