II 118th CONGRESS 1st Session S. 3012 IN THE SENATE OF THE UNITED STATES October 4, 2023 Mr. Manchin (for himself, Mr. Braun , and Mr. Hickenlooper ) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs A BILL To amend the Federal Deposit Insurance Act to provide for insurance for noninterest-bearing transaction accounts, and for other purposes.