,i  #aac? ,,congress  #b;d ,session  ,h4
 ,r4 #ciac  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,janu>y #af1 #bjad,mr4
 ,duffy introduc$ ! foll[+ bill2 :i* 0  
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to am5d ! ,bank   
,hold+ ,company ,act ( #aief to require 
ag5cies to make consid]ations relat+ to 
! promotion ( effici5cy1 competition1 & 
capital =mation be=e issu+ or modify+   
c]ta9 regulations4  #a4 ,rulemak+       
consid]ations ,section #ac ( ! ,bank    
,hold+ ,company ,act ( #aief 7#ab       
,u4,s4,c4 #ahea7 is am5d$ by add+ at !  
end ! foll[+3  7i7 ,consid]ation (      
,promotion ( ,effici5cy1 ,competition1 &
 ,capital ,=mation ,9 issu+ or modify+  
any regulation "u ?is section1 !        
appropriate ,f$]al bank+ ag5cies1 !     
,commodity ,futures ,trad+ ,commission1 
& ! ,securities & ,ex*ange ,commission--
 7#a7 %all consid] :e!r ! regulation is 
necess>y or appropriate 9 ! public      
int]e/2  7#b7 %all consid] :e!r !       
regulation w promote effici5cy1         

competition1 & capital =mation2  7#c7   
%all consid]1 among o!r matt]s1 ! impact
 ! regulation w\ld h on competition2    
7#d7 may n adopt ! regulation if x w\ld 
impose a burd5 on competition n necess>y
 or appropriate 9 fur!rance ( ! purposes
 ( ?is section2 &  7#e7 %all include 9 !
 /atem5t ( basis & purpose incorporat$ 9
 ! regulation adopt$ "u ?is section1 !  
reasons = ! det]m9ation "u p>agraph 7#d7
 t any burd5 on competition impos$ by ! 
regulation is necess>y or appropriate 9 
fur!rance ( ! purposes ( ?is section4  4