,,ib  ,union ,cal5d> ,no4 #dhj  #aac?   
,,congress  #b;d ,session  ,h4 ,r4 #cbdj
  ,report ,no4 #aac-fdj  ,,9 ,,! ,,h\se 
,,( ,,repres5tatives  ,octob] #c1 #bjac 
,mr4 ,pitt5g] 7= himself & ,mrs4 ,c>olyn
 ,b4 ,maloney ( ,new ,york7 introduc$ ! 
foll[+ bill2 :i* 0 ref]r$ to !          
,committee on ,f9ancial ,s]vices        
,decemb] #b1 #bjad ,additional sponsors3
 ,mr4 ,we/morel&1 ,mr4 ,cotton1 ,mr4 ,k+
 ( ,new ,york1 ,mr4 ,mi*aud1 ,mr4       
,/iv]s1 ,mr4 ,veasey1 ,mr4 ,pet]s (     
,mi*igan1 ,mr4 ,fitzpatrick1 ,mr4 ,ross1
 ,mr4 ,lucas1 ,mr4 ,murphy ( ,florida1  
,mr4 ,david ,scott ( ,georgia1 ,mr4     
,fo/]1 ,mr4 ,ro?fus1 ,mr4 ,kilm]1 ,mr4  
,luetkemey]1 ,mr4 ,honda1 ,mr4 ,cook1   
,mr4 ,amodei1 ,mr4 ,ruiz1 ,ms4 ,norton1 
,mrs4 ,negrete ,mc,leod1 ,mr4 ,huffman1 
,mr4 ,heck ( ,nevada1 ,mr4 ,v>gas1 ,mr4 
,co/a1 ,mr4 ,d5ham1 ,mr4 ,swalwell (    
,cali=nia1 ,mr4 ,l[5?al1 ,mr4 ,latta1   
,mr4 ,takano1 ,mr4 ,loebsack1 & ,mr4    
,joyce  ,decemb] #b1 #bjad ,committ$ to 
! ,committee ( ! ,:ole ,h\se on ! ,/ate 

( ! ,union & ord]$ to be pr9t$  ,a      
,,bill  ,to in/ruct ! ,comptroll] ,g5]al
 ( ! ,unit$ ,/ates to /udy ! impact (   
,regulation ,d1 & = o!r purposes4  #a4  
,%ort title ,?is ,act may be cit$ z !   
,regulation ,d ,/udy ,act4  #b4         
,gov]nm5t ,acc\ntability ,(fice /udy    
7a7 ,/udy ,! ,comptroll] ,g5]al ( !     
,unit$ ,/ates %all conduct a            
compreh5sive /udy on ! impact on        
depository in/itutions1 consum]s1 &     
monet>y policy ( ! requirem5t t         
depository in/itutions ma9ta9 res]ves 9 
accordance ) subsections 7b7 & 7c7 (    
section #ai ( ! ,f$]al ,res]ve ,act 7#ab
 ,u4,s4,c4 #dfa7 & ,regulation ,d 7#ab  
,c4,f4,r4 #bjd74  7b7 ,matt]s ,to be    
/udi$ ,9 conduct+ ! /udy "u ?is section1
 ! ,comptroll] ,g5]al %all include !    
foll[+3  7#a7 ,an hi/oric review ( h[ ! 
,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve    
,sy/em has us$ res]ve requirem5ts to    
conduct ,unit$ ,/ates monet>y policy1   
includ+ in=mation on h[ & :5 ! ,bo>d (  
,gov]nors has *ang$ ! requir$ res]ve    

ratio4  7#b7 ,! impact ( ! ma9t5ance (  
res]ves on depository in/itutions1      
includ+ ! op]ational requirem5ts &      
associat$ co/s4  7#c7 ,! impact on      
consum]s 9 manag+ _! acc\nts1 includ+ ! 
co/s & b5efits ( ! res]v+ sy/em4  7#d7  
,alt]natives ! ,bo>d ( ,gov]nors may h  
to ! ma9t5ance ( res]ves to effect      
monet>y policy4  7c7 ,consultation ,9   
conduct+ ! /udy "u ?is section1 !       
,comptroll] ,g5]al %all consult ) cr$it 
unions & community banks4  7d7 ,report  
,n lat] ?an #a ye> aft] ! date ( !      
enactm5t ( ?is ,act1 ! ,comptroll]      
,g5]al %all submit to ,congress a report
 conta9+--  7#a7 ! results ( ! /udy     
conduct$ pursuant to ?is section2 &     
7#b7 any recomm5dations bas$ on su*     
/udy4  ,decemb] #b1 #bjad ,committ$ to !
 ,committee ( ! ,:ole ,h\se on ! ,/ate (
 ! ,union & ord]$ to be pr9t$