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When H.R. 1236 passed the House on May 1, 1991, the bill went to the Senate, where it was referred to the Senate Committee on Banking, Housing, and Urban Affairs. After nine months in the Senate Banking Committee with no vote, Rep. Carper refused to give up on passing legislation necessary to better aid his seaside state. Mr. Carper reached out to Delaware’s senior Senator William Roth, a Republican member of the Senate Banking Committee. The two gentlemen, of different parties and different chambers, came together to share their opinions on what they thought was the best way to protect their constituents.