#aac? ,,congress  #b;d ,session  ,h4 ,r4
 #ccbi  ,,an ,,act  ,to enhance !       
ability ( community f9ancial in/itutions
 to fo/] economic gr[? & s]ve _!        
communities1 boo/ small bus9esses1      
increase individual sav+s1 & = o!r      
purposes4  #a4 ,*anges requir$ to small 
bank hold+ company policy /atem5t on    
assessm5t ( f9ancial & manag]ial factors
  7a7 ,9 g5]al ,be=e ! end ( ! #f-mon?  
p]iod beg9n+ on ! date ( ! enactm5t (   
?is ,act1 ! ,bo>d ( ,gov]nors ( ! ,f$]al
 ,res]ve ,sy/em %all publi% 9 ! ,f$]al  
,regi/] propos$ revisions to ! ,small   
,bank ,hold+ ,company ,policy ,/atem5t  
on ,assessm5t ( ,f9ancial & ,manag]ial  
,factors 7#ab ,,cfr ,"p #bbe ,app5dix   
,c7 t provide t ! policy %all apply to  
bank hold+ companies & sav+s & loan     
hold+ companies :i* h pro =ma           
consolidat$ assets ( less ?an           
#a1jjj1jjj1jjj & t--  7#a7 are n engag$ 
9 any nonbank+ activities involv+       
significant lev]age2 &  7#b7 d n h a    
significant am\nt ( out/&+ debt t is    

held by ! g5]al public4  7b7 ,con=m+    
am5dm5t ,section #aga7;b77#e77;,c7 ( !  
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecga7;b77#e77;,c77 is am5d$ by ins]t+ 
or small sav+s & loan hold+ company aft]
 any small bank hold+ company4  7c7     
,rule ( con/ruction ,no?+ 9 ?is ,act or 
! am5dm5ts made by ?is ,act may be      
con/ru$ z limit+ ! au?ority ( ! ,bo>d ( 
,gov]nors ( ! ,f$]al ,res]ve ,sy/em to  
exclude a bank hold+ company or a sav+s 
& loan hold+ company f ! policy /atem5t 
describ$ "u subsection 7a71 if su*      
action is w>rant$ = sup]visory purposes4
  7d7 ,def9itions ,= purposes ( ?is     
section3  7#a7 ,bank hold+ company ,!   
t]m bank hold+ company has ! mean+ giv5 
t t]m "u section #b ( ! ,bank ,hold+    
,company ,act ( #aief 7#ab ,u4,s4,c4    
#ahda74  7#b7 ,sav+s & loan hold+       
company ,! t]m sav+s & loan hold+       
company has ! mean+ giv5 t t]m "u       
section #aj7;a7 ( ! ,home ,own]s' ,loan 
,act 7#ab ,u4,s4,c4 #adfg;a7a774  ,pass$

 ! ,h\se ( ,repres5tatives ,may #f1     
#bjad4;,cl]k4