Business and Consumer Lending Stimulus Act

[AI summary unavailable — showing source text] Business and Consumer Lending Stimulus Act - Prohibits Federal banking regulatory agencies from imposing or enforcing for a specified period any leverage limit for an adequately capitalized insured depository institution requiring a ratio of tangible equity to total assets greater than three percent. Amends the Federal Deposit Insurance Act to require Federal banking regulatory agencies to: (1) consider, when prescribing real estate lending standards, their impact upon the availability of credit for certain target groups; and (2) minimize any negative impact. Amends the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA) to direct the Appraisal Subcommittee to encourage the States to enter into reciprocity agreements with sister States allowing licensed appraisers in one State to perform appraisals in other States. Directs the Secretary of the Treasury to report to certain congressional committees on the effect of risk based capital standards upon insured depository institutions, the availability of credit, and the domestic economy. Requires Federal banking regulatory agencies and the National Credit Union Administration to establish an independent appella…