,i  #aac? ,,congress  #a/ ,session  ,h4 
,r4 #gai  ,,9 ,,! ,,h\se ,,(            
,,repres5tatives  ,febru>y #ad1 #bjac   
,mr4 ,k+ ( ,new ,york 7= himself1 ,mr4  
,%]man1 ,ms4 ,bonamici1 ,mr4 ,bi%op (   
,new ,york1 ,mr4 ,hanna1 ,mr4 ,jones1   
,mr4 ,loebsack1 ,mr4 ,meeks1 ,mr4       
,mi*aud1 ,ms4 ,norton1 ,ms4 ,p+ree (    
,ma9e1 ,mr4 ,polis1 ,mr4 ,posey1 ,ms4   
,wat]s1 & ,mr4 ,blum5au]7 introduc$ !   
foll[+ bill2 :i* 0 ref]r$ to !          
,committee on ,f9ancial ,s]vices  ,a    
,,bill  ,to cl>ify ! ,national ,cr$it   
,union ,adm9i/ration au?ority to improve
 cr$it union safety & s\ndness4  #a4    
,%ort title ,?is ,act may be cit$ z !   
,capital ,access = ,small ,bus9esses &  
,jobs ,act4  #b4 ,improv+ cr$it union   
safety & s\ndness ,! ,f$]al ,cr$it      
,union ,act 7#ab ,u4,s4,c4 #agea et     
seq47 is am5d$--  7#a7 9 section #ajg-- 
7,a7 9 p>agraph 7#af71 by /rik+ & at !  
end2  7,b7 9 p>agraph 7#ag71 by /rik+ ! 
p]iod & ins]t+ 2 &2 &  7,c7 by add+ at !
 end ! foll[+3  7#ah7 to receive paym5ts

 on un9sur$ non-%>e acc\nts describ$ "u 
section #baf7o77#b77;,d71 subject to su*
 t]ms1 rates1 & conditions z may be     
e/abli%$ by ! bo>d ( directors1 )9      
limitations prescrib$ by ! ,bo>d4  2 &  
7#b7 9 section #baf--  7,a7 9 subsection
 7b77#a77;,b77ii71 by /rik+ mu/ rely &  
ins]t+ rely pr$om9antly2 &  7,b7 9      
subsection 7o77#b7--  7i7 9 subp>agraph 
7,b71 by /rik+ & at ! end2  7ii7 9      
subp>agraph 7,c77ii71 by /rik+ ! p]iod &
 ins]t+ 2 &2 &  7iii7 by add+ at ! end !
 foll[+3  7,d7 ) respect to any insur$  
cr$it union o!r ?an a l[-income cr$it   
union1 includes un9sur$ non-%>e acc\nts 
z au?oriz$ by ! ,bo>d1 t--  7i7 d n alt]
 ! coop]ative nature ( ! cr$it union2   
7ii7 are subord9ate to all o!r claims   
aga9/ ! cr$it union1 includ+ ! claims ( 
cr$itors1 %>ehold]s1 & ! ,fund2  7iii7  
are available to be appli$ to cov]      
op]at+ losses ( ! cr$it union 9 excess (
 its reta9$ e>n+s &1 to ! ext5t s       
appli$1 w n be repl5i%$2  7iv7 if !y h a
 /at$ maturity1 h an initial maturity ( 

at lea/ #e ye>s2  7v7 if !y h a /at$    
maturity1 ! net wor? value ( su* acc\nts
 may be disc\nt$ at ! discretion ( !    
,bo>d :5 ! rema9+ maturity is less ?an  
#e ye>s2  7vi7 are subject to disclosure
 & consum] protection requirem5ts z     
det]m9$ by ! ,bo>d2  7vii7 are (f]$ by a
 cr$it union t is det]m9$ by ! ,bo>d to 
be suffici5tly capitaliz$ & well-manag$2
 &  7viii7 are subject to su* rules &   
regulations z ! ,bo>d may e/abli%4  4