,,ii  #aac? ,,congress  #a/ ,session    
,s4 #dea  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,m>* #e1 #bjac ,mr4    
,%elby introduc$ ! foll[+ bill2 :i* 0   
read twice & ref]r$ to ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to make te*nical corrections to
 ! ,dodd-,frank ,wall ,/reet ,re=m &    
,consum] ,protection ,act4  #a4 ,%ort   
title ,?is ,act may be cit$ z !         
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,te*nical          
,corrections ,act ( #bjac4  #b4 ,table (
 cont5ts2 ,def9itional corrections  7a7 
,table ( cont5ts ,! table ( cont5ts = ! 
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7,public ,law 
#aaa-bjc2 #abd ,/at4 #acgf7 is am5d$ by 
/rik+ ! items relat+ to section #djg    
?r\gh #daf & ins]t+ ! foll[+3  ,sec4    
#djg4 ,exemption ( & report+ by v5ture  
capital fund advis]s4 ,sec4 #djh4       
,exemption ( & report+ by c]ta9 private 
fund advis]s4 ,sec4 #dji4 ,family       
(fices4 ,sec4 #daj4 ,/ate & ,f$]al      

responsibilities2 asset ?re%old = ,f$]al
 regi/ration ( inve/m5t advis]s4 ,sec4  
#daa4 ,cu/ody ( cli5t assets4 ,sec4     
#dab4 ,comptroll] ,g5]al /udy on cu/ody 
rule co/s4 ,sec4 #dac4 ,adju/+ !        
accr$it$ inve/or /&>d4 ,sec4 #dad4 ,rule
 ( con/ruction relat+ to ! ,commodity   
,ex*ange ,act4 ,sec4 #dae4 ,,gao /udy & 
report on accr$it$ inve/ors4 ,sec4 #daf4
 ,,gao /udy on self-regulatory          
organization = private funds4 ,sec4     
#dag4 ,commission /udy & report on %ort 
sell+4 ,sec4 #dah4 ,qualifi$ cli5t /&>d4
 ,sec4 #dai4 ,transition p]iod4  4  7b7 
,def9itions ,section #b ( ! ,dodd-,frank
 ,wall ,/reet ,re=m & ,consum]          
,protection ,act 7#ab ,u4,s4,c4 #ecja7  
is am5d$--  7#a7 9 p>agraph 7#a7--  7,a7
 by /rik+ section #c & ins]t+ section   
#c7w72 &  7,b7 by /rik+ 7#ab ,u4,s4,c4  
#ahac7 & ins]t+ 7#ab ,u4,s4,c4          
#ahac7w772  7#b7 9 p>agraph 7#f71 by    
/rik+ #a et seq4 & ins]t+ #a;a2 &  7#c7 
9 p>agraph 7#ah77;,a7--  7,a7 by /rik+  
bank hold+ company12 &  7,b7 by ins]t+  

includes1 be=e includ+14  #c4 ,antitru/ 
sav+s clause corrections ,section #f ( !
 ,dodd-,frank ,wall ,/reet ,re=m &      
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecjc7 is am5d$1 9 ! second s5t5ce--   
7#a7 by ins]t+ 7#ae ,u4,s4,c4 #ab7;a77  
aft] ,clayton ,act2 &  7#b7 by /rik+    
,act1 to & ins]t+ ,act 7#ae ,u4,s4,c4   
#de7 to4  #d4 ,title ,i corrections     
,title ,i ( ! ,dodd-,frank ,wall ,/reet 
,re=m & ,consum] ,protection ,act 7#ab  
,u4,s4,c4 #ecaa et seq47 is am5d$--     
7#a7 9 section #ajb7;a77#f7 7#ab        
,u4,s4,c4 #ecaa7;a77#f771 by ins]t+ 7#ab
 ,u4,s4,c4 #ahdc7k77 aft] ( #aief ea*   
place t t]m appe>s2  7#b7 9 section #aaa
 7#ab ,u4,s4,c4 #ecba7--  7,a7 9        
subsection 7b7--  7i7 9 p>agraph        
7#a77;,g71 by /rik+ ,*airp]son & ins]t+ 
,*airman2 &  7ii7 9 p>agraph 7#b77;,e71 
by /rik+ su* & ins]t+ !2 &  7,b7 9      
subsection 7c77#c71 by /rik+ t ag5cy or 
dep>tm5t head & ins]t+ ! head ( t memb] 
ag5cy or dep>tm5t2  7#c7 9 section #aab 
7#ab ,u4,s4,c4 #ecbb7--  7,a7 9         

subsection 7a77#b7--  7i7 9 subp>agraph 
7,d7--  7,i7 by /rik+ to monitor &      
ins]t+ monitor2 &  7,,ii7 by /rik+ to   
advise & ins]t+ advise2  7ii7 9         
subp>agraph 7,j7--  7,i7 by /rik+ t t]m 
is & ins]t+ ^? t]ms are2 &  7,,ii7 by   
/rik+ & settlem5t & ins]t+ or settlem5t2
 &  7iii7 9 subp>agraph 7,l71 by /rik+  
may2 &  7,b7 9 subsection 7d77#e7--  7i7
 9 subp>agraph 7,b71 by /rik+ subsection
 & & ins]t+ subtitle or2 &  7ii7 9      
subp>agraph 7,c71 by /rik+ subsection & 
& ins]t+ subtitle or2  7#d7 9 section   
#aed7;c7 7#ab ,u4,s4,c4 #ecdd7;c77--    
7,a7 by /rik+ ,c5t]4-- & all t foll[s   
?r\gh ,! ,rese>* & ins]t+ ,c5t]4--,!    
,rese>*2 &  7,b7 by r$esignat+          
subp>agraphs 7,a7 ?r\gh 7,h7 z p>agraphs
 7#a7 ?r\gh 7#h71 respectively1 & mov+ !
 m>g9s #b ems to ! left2  7#e7 9 section
 #aee7;a77#b7 7#ab ,u4,s4,c4            
#ecde7;a77#b771 by /rik+ 7c71 & ins]t+  
7c72  7#f7 9 section #afd 7#ab ,u4,s4,c4
 #ecfd71 by /rik+ ,in/itutions & ins]t+ 
,in/itution2  7#g7 9 section            

#afg7;b77#a77;,b77ii7 7#ab ,u4,s4,c4    
#ecfg7;b77#a77;,b77ii771 by /rik+ to    
ensure & ins]t+ ensure2 &  7#h7 9       
section #aga7;b77#d77;,d7 7#ab ,u4,s4,c4
 #ecga7;b77#d77;,d771 by add+ a p]iod at
 ! end4  #e4 ,title ,,ii corrections    
,title ,,ii ( ! ,dodd-,frank ,wall      
,/reet ,re=m & ,consum] ,protection ,act
 7#ab ,u4,s4,c4 #echa et seq47 is       
am5d$--  7#a7 9 section #baj 7#ab       
,u4,s4,c4 #ecij7--  7,a7 9 subsection   
7a7--  7i7 9 p>agraph 7#a77;,d71 by     
/rik+ w9d-up & ins]t+ w9d up2 &  7ii7 9 
p>agraph 7#e77;,c71 by /rik+ receiv]    
seek+ & ins]t+ receiv]7 seek+2  7,b7 9  
subsection 7b77#a7--  7i7 9 subp>agraph 
7,c71 by /rik+ to ! ext5t ( & all t     
foll[s ?r\gh = ea* individual & ins]t+  
to ! ext5t ( #aa1gbe = ea* individual2 &
  7ii7 9 subp>agraph 7,d71 by /rik+     
multipli$ by & all t foll[s ?r\gh 7z    
index$ & ins]t+ multipli$ by #aa1gbe 7z 
index$2  7,c7 9 subsection 7m77#a77;,b71
 by ins]t+ ( be=e ! ,bankruptcy ,code2 &
  7,d7 9 subsection 7o77#a77;,d77i77,i71

 by /rik+ & 7h77#e77;,e7 & ins]t+ or    
7h77#e77;,e72  7#b7 9 section           
#baa7;d77#a77;,c7 7#ab ,u4,s4,c4        
#ecia7;d77#a77;,c771 by /rik+ ord]ly    
liquidation plan "u section #baj7n77#ad7
 & ins]t+ an ord]ly liquidation plan "u 
section #baj7n77#i72 &  7#c7 9 section  
#bae7;a77#e7 7#abd ,/at4 #aeah71 by     
/rik+ amd & ins]t+ &4  #f4 ,title ,,iii 
corrections  7a7 ,9 g5]al ,title ,,iii (
 ! ,dodd-,frank ,wall ,/reet ,re=m &    
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #edja et seq47 is am5d$--  7#a7 9      
section #cbg7;b77#e7 7#ab ,u4,s4,c4     
#edcg7;b77#e771 by /rik+ 9 & ins]t+     
into2  7#b7 9 section #ccc7;b77#b7 7#abd
 ,/at4 #aeci71 by ins]t+ ! second place 
t t]m appe>s be=e & ins]t+2 &  7#c7 9   
section #cfi7e7 7#abd ,/at4 #aeei7--    
7,a7 9 subp>agraph 7,d77i7--  7i7 9     
subclause 7,,iii71 by r$esignat+ items  
7aa71 7bb71 & 7cc7 z subitems 7,,aa71   
7,,bb71 & 7,,cc71 respectively1 & adju/+
 ! m>g9s accord+ly2  7ii7 9 subclause   
7,,iv71 r$esignat+ items 7aa7 & 7bb7 z  

subitems 7,,aa7 & 7,,bb71 respectively1 
& adju/+ ! m>g9s accord+ly2  7iii7 9    
subclause 7,v71 by r$esignat+ items     
7aa71 7bb71 & 7cc7 z subitems 7,,aa71   
7,,bb71 & 7,,cc71 respectively1 & adju/+
 ! m>g9s accord+ly2 &  7iv7 by          
r$esignat+ subclauses 7,,iii71 7,,iv71 &
 7,v7 z items 7bb71 7cc71 & 7dd71       
respectively1 & adju/+ ! m>g9s          
accord+ly2  7,b7 9 subp>agraph 7,f7--   
7i7 9 clause 7ii71 by add+ & at ! end2  
7ii7 9 clause 7iii71 by /rik+ 2 & &     
ins]t+ a p]iod2 &  7iii7 by /rik+ clause
 7iv72 &  7,c7 9 subp>agraph 7,g77i71 by
 ins]t+ ea* place su* t]m appe>s be=e & 
ins]t+4  7b7 ,effective dates  7#a7     
,section #ccc ,! am5dm5t made by        
subsection 7a77#b7 ( ?is section %all   
take effect z ?\gh enact$ z "p (        
subtitle ,c ( title ,,iii ( !           
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#abd ,/at4   
#aech74  7#b7 ,section #cfi ,! am5dm5ts 
made by subsection 7a77#c7 ( ?is section
 %all take effect z ?\gh enact$ z "p (  

subtitle ,e ( title ,,iii ( !           
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#abd ,/at4   
#aedf74  #g4 ,title ,,iv correction     
,section #dad ( ! ,dodd-,frank ,wall    
,/reet ,re=m & ,consum] ,protection ,act
 7#abd ,/at4 #aegh7 is am5d$ 9 ! section
 head+ by /rik+ ,commodities & ins]t+   
,commodity4  #h4 ,title ,,vi corrections
  7a7 ,9 g5]al ,title ,,vi ( !          
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#abd ,/at4   
#aeif7 is am5d$--  7#a7 9 section #faj  
7#abd ,/at4 #afaa7--  7,a7 by /rik+     
subsection 7b72 &  7,b7 by r$esignat+   
subsection 7c7 z subsection 7b72 &  7#b7
 9 section #fah7;a7 7#ab ,u4,s4,c4      
#ahej;a7a77--  7,a7 9 p>agraph          
7#d77;,b77i71 by ins]t+ ( ,gov]nors aft]
 ,bo>d2 &  7,b7 9 p>agraph 7#f71 by     
ins]t+ 7#ab ,u4,s4,c4 #ahda7 aft] ,act (
 #aief4  7b7 ,effective date ,! am5dm5ts
 made by subsection 7a77#a7 ( ?is       
section %all take effect z ?\gh enact$ z
 "p ( section #faj ( ! ,dodd-,frank     

,wall ,/reet ,re=m & ,consum]           
,protection ,act 7#abd ,/at4 #afaa74    
#i4 ,title ,,vii corrections  7a7 ,9    
g5]al ,title ,,vii ( ! ,dodd-,frank     
,wall ,/reet ,re=m & ,consum]           
,protection ,act 7#ae ,u4,s4,c4 #hcja et
 seq47 is am5d$--  7#a7 9 section       
#gai7;c77#a77;,b7 7#ae ,u4,s4,c4        
#hcjg7;c77#a77;,b771 by add+ a p]iod at 
! end2  7#b7 9 section #gbc7;a77#a77;,b7
 7#abd ,/at4 #afge71 by ins]t+ 1 z add$ 
by section #ajg ( ! ,commodity ,futures 
,mod]nization ,act ( #bjjj 7,app5dix ,e 
( ,public ,law #ajf-eed2 #aad ,/at4     
#bgfc;,a-#chb71 aft] subsection 7i72    
7#c7 9 section #gcd7;b77#a7 7#abd ,/at4 
#agah71 by /rik+ is am5d$ & all t foll[s
 ?r\gh 7,b7 9 & ins]t+ is am5d$ 92  7#d7
 9 section #gda7;b77#aj7 7#abd ,/at4    
#agcb71 by /rik+                        
#a;a7#ai77;,a77iv77,,ii7 ea* place x    
appe>s & ins]t+                         
#a;a7#ah77;,a77iv77,,ii72 &  7#e7 9     
section #gdi 7#abd ,/at4 #agdf7--  7,a7 
9 subsection 7a77#b71 by /rik+ add+ at !

 end & ins]t+ ins]t+ aft] subsection    
7f72 &  7,b7 9 subsection 7h77#a77;,b71 
by ins]t+ ! second place t t]m appe>s   
be=e ! semicolon4  7b7 ,effective date  
,! am5dm5ts made by p>agraphs 7#c71     
7#d71 & 7#e7 ( subsection 7a7 ( ?is     
section %all take effect z ?\gh enact$ z
 "p ( "p ,,ii ( subtitle ,a ( title     
,,vii ( ! ,dodd-,frank ,wall ,/reet     
,re=m & ,consum] ,protection ,act 7#abd 
,/at4 #afeh74  #aj4 ,title ,,viii       
corrections ,title ,,viii ( !           
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #edfa et seq47 is am5d$--  7#a7 9      
section #hje7;a77#b77;,e7 7#ab ,u4,s4,c4
 #edfd7;a77#b77;,e771 by /rik+ !        
quotation m>ks at ! end2  7#b7 9 section
 #hjf 7#ab ,u4,s4,c4 #edfe7--  7,a7 9   
subsection 7b71 9 ! fir/ s5t5ce1 by     
/rik+ 7#b77 aft] & ins]t+ 7#b777 aft]2 &
  7,b7 9 subsection 7e77#a77;,a7--  7i7 
by /rik+ advance notice & ins]t+        
advance2 &  7ii7 by /rik+ ea*           
,sup]visory ,ag5cy & ins]t+ its         

,sup]visory ,ag5cy2  7#c7 9 section #hjg
 7#ab ,u4,s4,c4 #edff7--  7,a7 9        
subsection 7d77#a71 by add+ a p]iod at !
 end2 &  7,b7 9 subsection 7f77#b71 by  
ins]t+ a comma aft] "u ! second place t 
t]m appe>s2  7#d7 9 section #hjh7;b7    
7#ab ,u4,s4,c4 #edfg7;b771 by ins]t+ a  
comma aft] "u ! ?ird place t t]m appe>s2
 &  7#e7 9 section #hac 7#ab ,u4,s4,c4  
#edgb71 9 ! matt] prec$+ p>agraph 7#a71 
by ins]t+ t includes aft]               
,repres5tatives4  #aa4 ,title ,,ix      
corrections ,title ,,ix ( ! ,dodd-,frank
 ,wall ,/reet ,re=m & ,consum]          
,protection ,act 7#abd ,/at4 #ahbb7 is  
am5d$--  7#a7 9 section #ibi,z7a7 7#abd 
,/at4 #ahga7--  7,a7 9 p>agraph 7#b71 by
 /rik+ c\rts int]pretation & ins]t+ c\rt
 int]pretations2 &  7,b7 9 p>agraph     
7#c71 by /rik+ ,act ( #aiie & ins]t+    
,re=m ,act ( #aiie 7,public ,law        
#ajd-fg2 #aji ,/at4 #gcg72  7#b7 9      
section #ici7;h77#a7 7#abd ,/at4        
#ahhg7--  7,a7 9 ! matt] prec$+         
subp>agraph 7,a71 by ins]t+ ,! be=e     

,commission2 &  7,b7 by /rik+           
feasability & ins]t+ feasibility2 &     
7#c7 9 section #iec 7#abd ,/at4 #aijc71 
by add+ at ! end ! foll[+3  7c7         
,exemption ,! ,commission may1 by rule  
or ord]1 exempt an issu] or class (     
issu]s f ! requirem5ts "u section       
#ad7;i7 ( ! ,securities ,ex*ange ,act ( 
#aicd 7z am5d$ by subsection 7a7 ( ?is  
section7 or subsection 7b7 ( ?is        
section4 ,9 det]m9+ :e!r to make an     
exemption "u ?is subsection1 !          
,commission %all take into acc\nt1 among
 o!r consid]ations1 :e!r ! requirem5ts  
"u subsections 7a7 & 7b7                
disproportionately burd5 small issu]s4  
4  #ab4 ,title ,x corrections  7a7 ,9   
g5]al ,title ,x ( ! ,dodd-,frank ,wall  
,/reet ,re=m & ,consum] ,protection ,act
 7#ab ,u4,s4,c4 #edha et seq47 is       
am5d$--  7#a7 9 section #ajjb7ab77;,g7  
7#ab ,u4,s4,c4 #edha7ab77;,g771 by /rik+
 ,home ,own]s & ins]t+ ,home[n]s2  7#b7 
9 section #ajac7;a77#a77;,c7 7#ab       
,u4,s4,c4 #edic7;a77#a77;,c771 by /rik+ 

section #aa7a7 & ins]t+ subsection 7l7 (
 section #aa2  7#c7 9 section           
#ajag7;a77#e7 7#ab ,u4,s4,c4            
#edig7;a77#e77--  7,a7 9 subp>agraph    
7,a71 9 ! la/ s5t5ce by /rik+ #gaf7;c7 (
 title #ca1 ,unit$ ,/ates ,code & ins]t+
 #gaf ( title #ca1 ,unit$ ,/ates ,code2 
&  7,b7 9 subp>agraph 7,c71 by /rik+    
section #cgji ( ! ,revis$ ,/atutes ( !  
,unit$ ,/ates 7#da ,u4,s4,c4 #e7 &      
ins]t+ section #faja ( title #da1 ,unit$
 ,/ates ,code2  7#d7 9 section          
#ajbb7;c77#i77;,b7 7#ab ,u4,s4,c4       
#eeab7;c77#i77;,b771 by /rik+ #aigh1 &  
ins]t+ #aigh2  7#e7 9 section #ajbe 7#ab
 ,u4,s4,c4 #eeae7--  7,a7 9 subsection  
7b77#a71 by ins]t+ cov]$ be=e p]sons ea*
 place t t]m appe>s2  7,b7 9 subsection 
7d71 by /rik+ #ab ,u4,s4,c4 #ahfg7;c7 & 
ins]t+ 7#ab ,u4,s4,c4 #ahfg7;c772 &     
7,c7 9 subsection 7e77#d77;,f71 by /rik+
 #bab ( ! ,f$]al ,cr$it ,union ,act     
7#aab ,u4,s4,c4 #agij;a7 & ins]t+ #baf (
 ! ,f$]al ,cr$it ,union ,act 7#ab       
,u4,s4,c4 #agij;d72  7#f7 9 section     

#ajbg7;d77#a77;,b7 7#ab ,u4,s4,c4       
#eeag7;d77#a77;,b771 by ins]t+ a comma  
aft] 7,a72  7#g7 9 section #ajbi7;d7    
7#ab ,u4,s4,c4 #eeai7;d771 by /rik+ !   
p]iod aft] ,commission ,act2  7#h7 9    
section #ajfa 7#ab ,u4,s4,c4 #eeha7--   
7,a7 9 subsection 7b77#g7--  7i7 by     
/rik+ ,secret>y ( ! ,dep>tm5t ( ,h\s+ & 
,urban ,developm5t ea* place t t]m      
appe>s & ins]t+ ,dep>tm5t ( ,h\s+ &     
,urban ,developm5t2 &  7ii7 9           
subp>agraph 7,a71 by /rik+ 7#ab         
,u4,s4,c4 #eajb et seq47 & ins]t+ 7#ab  
,u4,s4,c4 #eaja et seq472 &  7,b7 9     
subsection 7c77#b77;,a71 by /rik+       
proc$ures 9 & ins]t+ proc$ures2  7#i7 9 
section #ajfc 7#ab ,u4,s4,c4 #eehc7--   
7,a7 9 subsection 7f77#a77;,b71 by /rik+
 t2 &  7,b7 9 subsection 7g77#a77;,a7-- 
7i7 by /rik+ 7#ab ,u4,s4,c4 #eajb et    
seq47 & ins]t+ 7#ab ,u4,s4,c4 #eaja et  
seq472 &  7ii7 by /rik+ seq7 & ins]t+   
seq472  7#aj7 9 section                 
#ajfd7;i77#a77;,a77iii7 7#ab ,u4,s4,c4  
#eehd7;i77#a77;,a77iii771 by ins]t+ a   

p]iod be=e ,if an2  7#aa7 9 section     
#ajgc7;c77#b7 7#ab ,u4,s4,c4            
#efja7;c77#b77--  7,a7 9 ! p>agraph     
head+1 by ins]t+ & education aft]       
f9ancial lit]acy2 &  7,b7 by /rik+ its  
duties & ins]t+ _! duties2  7#ab7 9     
section #ajgf7;b77#a7 7#ab ,u4,s4,c4    
#efjb7;b77#a771 by ins]t+ be=e ! p]iod  
at ! end ! foll[+3 1 ! ,bureau may1 aft]
 notice & opportunity = comm5t1         
prescribe regulations2  7#ac7 9 section 
#ajgg7;b77#d77;,f7 7#abd ,/at4 #bjgf71  
by /rik+ associates & ins]t+            
associate's2  7#ad7 9 section #ajhd7a7  
7#abd ,/at4 #bjha7--  7,a7 by ins]t+    
p>agraph 7#c7 ( section #ijc 7#ae       
,u4,s4,c4 #afic;a71 be=e subsections 7a7
 & 7e7 ( section #ijd2  7,b7 by /rik+ & 
9 #iah & ins]t+ 1 section #iaf7;d7 7#ae 
,u4,s4,c4 #aficm7d771 section #iah2 &   
7,c7 by ins]t+ a comma aft] #bjji72     
7#ae7 by /rik+ section #ajhg 7#abd ,/at4
 #bjhf72  7#af7 9 section #ajhi 7#abd   
,/at4 #bjib7--  7,a7 9 p>agraph 7#c7--  
7i7 9 subp>agraph 7,a71 by /rik+ & at ! 

end2 &  7ii7 9 subp>agraph 7,b77vi71 by 
/rik+ ! p]iod at ! end & ins]t+ 2 &2 &  
7,b7 by r$esignat+ p>agraph 7#d7 z      
subp>agraph 7,c7 & adju/+ ! m>g9s       
accord+ly2 &  7#ag7 9 section #ajih7f7  
7#abd ,/at4 #bajd71 by ins]t+ ! fir/    
place t t]m appe>s be=e &4  7b7         
,effective date ,! am5dm5ts made by     
p>agraphs 7#ad71 7#ae71 7#af71 & 7#ag7 (
 subsection 7a7 ( ?is section %all take 
effect z ?\gh enact$ z "p ( subtitle ,h 
( title ,x ( ! ,dodd-,frank ,wall ,/reet
 ,re=m & ,consum] ,protection ,act 7#abd
 ,/at4 #bjhj74  #ac4 ,title ,,xi        
correction ,title ,,xi ( ! ,dodd-,frank 
,wall ,/reet ,re=m & ,consum]           
,protection ,act 7#abd ,/at4 #baac7 is  
am5d$1 9 section #aaje7;d77#a7 7#ab     
,u4,s4,c4 #efab7;d77#a771 by /rik+      
au?ority4-- & all t foll[s ?r\gh by !   
,presid5t & ins]t+ au?ority4--,a reque/ 
by ! ,presid5t4  #ad4 ,title ,,xii      
correction ,title ,,xii ( ! ,dodd-,frank
 ,wall ,/reet ,re=m & ,consum]          
,protection ,act 7#abd ,/at4 #babi7 is  

am5d$1 9 section #abjh7;b7 7#ab         
,u4,s4,c4 #efbf7;b771 by ins]t+ 1 z     
def9$ 9 section #ajc7aj7 ( ! ,riegle    
,community ,developm5t & ,regulatory    
,improvem5t ,act ( #aiid 7#ab ,u4,s4,c4 
#dgjb7aj771 aft] ,fund4  #ae4 ,title    
,,xiv correction ,title ,,xiv ( !       
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#abd ,/at4   
#bacf7 is am5d$1 9 section #adea7;c7    
7#ab ,u4,s4,c4 #agjax-#a7;c771 by /rik+ 
pursuant4  #af4 ,con=m+ corrections to  
o!r /atutes  7a7 ,alt]native mortgage   
transaction p>ity act ( #aihb ,!        
,alt]native ,mortgage ,transaction      
,p>ity ,act ( #aihb 7#ab ,u4,s4,c4 #chja
 et seq47 is am5d$--  7#a7 9 section    
#hjb7;a77#c7 7#ab ,u4,s4,c4             
#chja7;a77#c771 by /rik+ ! ,director ( !
 ,(fice ( ,?rift ,sup]vision & ins]t+ ! 
,bureau ( ,consum] ,f9ancial            
,protection2 &  7#b7 9 section          
#hjd7;d77#a7 7#ab ,u4,s4,c4             
#chjc7;d77#a77--  7,a7 by /rik+ id5tifi$
 & ins]t+ issu$2 &  7,b7 by /rik+ !     

comma aft] ,adm9i/ration4  7b7 ,bank    
,hold+ ,company ,acts  7#a7 ,bank ,hold+
 ,company ,act ,am5dm5ts ( #aigj        
,section #ajf7;b77#a7 ( ! ,bank ,hold+  
,company ,act ,am5dm5ts ( #aigj 7#ab    
,u4,s4,c4 #aigb7a77 is am5d$1 9 !       
undesignat$ matt] at ! end--  7,a7 by   
ins]t+ ,(fice ( ! be=e ,comptroll] ( !2 
&  7,b7 by /rik+ 8,f$]al ,deposit       
,insurance ,company0 & ins]t+ 8,f$]al   
,deposit ,insurance ,corporation04  7#b7
 ,bank ,hold+ ,company ,act ( #aief     
,section #ac ( ! ,bank ,hold+ ,company  
,act ( #aief 7#ab ,u4,s4,c4 #ahea7 is   
am5d$--  7,a7 9 subsection 7d77#a77;,e71
 by /rik+ #ajb ( ! ,small ,bus9ess      
,inve/m5t ,act ( #aieh 7#ae ,u4,s4,c4   
#ffb7 & ins]t+ #ajc7c7 ( ! ,small       
,bus9ess ,inve/m5t ,act ( #aieh 7#ae    
,u4,s4,c4 #ffb7c772  7,b7 9 subsection  
7f77#c77;,a77ii71 by /rik+              
7d77#a77;g77v7 & ins]t+ 7d77#a77;,g77v72
 &  7,c7 9 subsection 7h77#a71 by /rik+ 
section #h ( ! ,int]national ,bank+ ,act
 ( #aigh & ins]t+ section #h7;a7 ( !    

,int]national ,bank+ ,act ( #aigh 7#ab  
,u4,s4,c4 #cajf7;a774  7c7 ,balanc$     
,budget & ,em]g5cy ,deficit ,control    
,act ,section #bee7;g77#a77;,a7 ( !     
,balanc$ ,budget & ,em]g5cy ,deficit    
,control ,act ( #aihe 7#b ,u4,s4,c4     
#ije7;g77#a77;,a77 is am5d$ by /rik+    
,(fice ( ,?rift ,sup]vision             
7#bj-dajh-j-c-cgc744  7d7 ,bretton      
,woods ,agreem5ts ,act ,section         
#fh7;a77#a7 ( ! ,bretton ,woods         
,agreem5ts ,act 7#bb ,u4,s4,c4          
#bhftt7a77#a77 is am5d$ by /rik+ ,fund 1
 & ins]t+ ,fund14  7e7 ,,c-,,spam ,act (
 #bjjc ,section #g7;b77#a77;,d7 ( !     
,,c-,,spam ,act ( #bjjc 7#ae ,u4,s4,c4  
#ggjf7;b77#a77;,d77 is am5d$ by /rik+   
,director ( ! ,(fice ( ,?rift           
,sup]vision & ins]t+ ,comptroll] ( !    
,curr5cy or ! ,bo>d ( ,directors ( !    
,f$]al ,deposit ,insurance ,corporation1
 z applicable4  7f7 ,*ildr5's ,onl9e    
,privacy ,protection ,act ( #aiih       
,section #acjf7;b77#b7 ( ! ,*ildr5's    
,onl9e ,privacy ,protection ,act ( #aiih

 7#ae ,u4,s4,c4 #feje7;b77#b77 is am5d$ 
by /rik+ ,director ( ! ,(fice ( ,?rift  
,sup]vision & ins]t+ ,comptroll] ( !    
,curr5cy & ! ,bo>d ( ,directors ( !     
,f$]al ,deposit ,insurance ,corporation1
 z applicable4  7g7 ,commodity ,ex*ange 
,act ,! ,commodity ,ex*ange ,act 7#g    
,u4,s4,c4 #a et seq47 is am5d$--  7#a7 9
 section #a;a 7#g ,u4,s4,c4 #a;a7--     
7,a7 9 p>agraph 7#ab77;,a77i77,,ii71 by 
add+ a semicolon at ! end2  7,b7 9      
p>agraph 7#ci77;,a77iv71 by /rik+ #bbe &
 ins]t+ #be2 &  7,c7 9 p>agraph         
7#dg77;,b77viii77,,ii71 by /rik+ 7#ae   
,u4,s4,c4 #gg;b7a77#aa77 & ins]t+ 7#ae  
,u4,s4,c4 #gg;b7a77#aa7772  7#b7 9      
section #b 7#g ,u4,s4,c4 #b7--  7,a7 9  
subsection 7c77#b77;,d77ii77,i71 by     
/rik+ subp>agraphs & ins]t+ subp>agraph2
 &  7,b7 9 subsection 7h7--  7i7 9      
p>agraph 7#e77;,a7--  7,i7 by /rik+     
,swaps & ins]t+ ,ea* swap2 &  7,,ii7 by 
/rik+ no lat] ?an #ahj days aft] !      
effective date ( ?is subsection4 &      
ins]t+  no lat] ?an-- 7i7 #cj days aft] 

! issuance ( ! int]im f9al rule2 or     
7ii7 su* o!r date z ! ,commission       
det]m9es appropriate4  2  7ii7 9        
p>agraph 7#g7--  7,i7 9 subp>agraph     
7,c77i77,,vii71 by ins]t+ or a          
gov]nm5tal plan aft] employee b5efit    
plan2 &  7,,ii7 9 subp>agraph           
7,d77ii77,v71 by /rik+ ( t ,act & ins]t+
 ( t section2 &  7iii7 9 p>agraph       
7#h77;,a77ii71 by ins]t+ section be=e   
#e;h or2  7#c7 9 section #d 7#g         
,u4,s4,c4 #f7--  7,a7 9 subsection      
7b77#a77;,a71 by /rik+ commission ea*   
place t t]m appe>s & ins]t+ ,commission2
 &  7,b7 9 subsection 7c77#a7--  7i7 9  
subp>agraph 7,a7--  7,i7 by ins]t+ !    
,commission %all n grant exemptions1    
aft] grant exemptions12 &  7,,ii7 9     
clause 7i7--  7aa7 9 subclause 7,i7--   
7,,aa7 by /rik+ #e7;g71 #e7;h712 &      
7,,bb7 by /rik+ #h;e12 &  7bb7 9        
subclause 7,,ii71 by /rik+ #bjf7;e7 &   
ins]t+ #bjf2 &  7ii7 9 subp>agraph 7,b71
 by /rik+ 7,d77 & ins]t+ 7,d72  7#d7 9  
section #d;d7f77#b77;,a7 7#g ,u4,s4,c4  

#f;d7f77#b77;,a771 by /rik+ ?\gh &      
ins]t+ ?r\gh2  7#e7 9 section #ds 7#g   
,u4,s4,c4 #fs7--  7,a7 9 subsection     
7e77#c7--  7i7 9 subp>agraph            
7,b77i77,,ii71 by /rik+ 7#aa77 & ins]t+ 
7#aa7772 &  7ii7 9 subp>agraph 7,d77ii71
 9 ! matt] prec$+ subclause 7,i71 by    
/rik+ non ca% collat]al & ins]t+ nonca% 
collat]al2  7,b7 9 subsection           
7f77#a77;,b77i71 by /rik+ ,commission & 
ins]t+ prud5tial regulator2  7,c7 9     
subsection 7h7--  7i7 9 p>agraph        
7#b77;,b71 by ins]t+ a be=e swap )2 &   
7ii7 9 p>agraph 7#e77;,a7--  7,i7 9     
clause 7i7--  7aa7 by /rik+ section     
#a;a7#ah7 & ins]t+ section              
#a;a7#ah77;,a72 &  7bb7 9 subclause     
7,,vii71 by /rik+ act ( & ins]t+ ,act (2
 &  7,,ii7 9 clause 7ii71 by ins]t+ 9   
connection ) ! transaction aft] act+2 & 
7,d7 9 subsection 7k77#c77;,a77ii71 by  
/rik+ ! code & ins]t+ any code2  7#f7 9 
section #e7;d77#ai77;,a7 7#g ,u4,s4,c4  
#g7;d77#ai77;,a771 by /rik+ tak+ &      
ins]t+ take2  7#g7 9 section #e;b 7#g   

,u4,s4,c4 #g;a-#a71 by r$esignat+       
subsection 7k7 z subsection 7j72  7#h7 9
 section #e;c7c7 7#g ,u4,s4,c4          
#g;a-#b7;c77--  7,a7 9 p>agraph         
7#d77;,b71 by /rik+ #a;a7#aj7 & ins]t+  
#a;a7#i72 &  7,b7 9 p>agraph 7#e7--  7i7
 9 subp>agraph 7,a71 by /rik+ ?is       
subtitle & ins]t+ ?is ,act2 &  7ii7 9   
subp>agraph 7,c77i71 by /rik+           
#a;a7#b77;i7 & ins]t+ #a;a7#i72  7#i7 9 
section #e;h 7#g ,u4,s4,c4 #g;b-#c7--   
7,a7 9 subsection 7a77#a7 1 by /rik+ a  
facility & ins]t+ a swap execution      
facility2 &  7,b7 9 subsection          
7f77#aa77;,a71 by /rik+ tak+ & ins]t+   
take2  7#aj7 9 section                  
#bb7;a77#a77;,c77ii7 7#g ,u4,s4,c4      
#be7;a77#a77;,c77ii771 by /rik+ or at ! 
end2 &  7#aa7 9 section #bc 7#g         
,u4,s4,c4 #bf7--  7,a7 9 subsection     
7c7--  7i7 9 p>agraph 7#a77;,b77,,iii71 
by /rik+ ! ,act bo? places x appe>s &   
ins]t+ ?is ,act2 &  7ii7 9 p>agraph     
7#b77;,a77i71 by /rik+ a appropriate &  
ins]t+ an appropriate2 &  7,b7 9        

subsection 7f77#c71 by /rik+ #gjfd &    
ins]t+ #gjf4  7h7 ,community ,re9ve/m5t 
,act ( #aigg ,! ,community ,re9ve/m5t   
,act ( #aigg 7#ab ,u4,s4,c4 #bija et    
seq47 is am5d$--  7#a7 9 section        
#hjc7a77;,c7 7#ab ,u4,s4,c4             
#bijb7a77;,c771 by /rik+ ! p]iod at !   
end & ins]t+ a semicolon2 &  7#b7 9     
section #hjf 7#ab ,u4,s4,c4 #bije71 by  
/rik+ companies11 & ins]t+ companies14  
7i7 ,cr$it ,repair ,organizations ,act  
,section #djc7d7 ( ! ,cr$it ,repair     
,organizations ,act 7#ae ,u4,s4,c4      
#afgi;a7#d77 is am5d$ by /rik+ #ajc7;e7 
& ins]t+ #ajc7;f74  7j7 ,depository     
,in/itution ,managem5t ,int]locks ,act  
,section #bje7i7 ( ! ,depository        
,in/itution ,managem5t ,int]locks ,act  
7#ab ,u4,s4,c4 #cbjd7i77 is am5d$ by    
/rik+ ,director ( ! ,(fice ( ,?rift     
,sup]vision & ins]t+ appropriate ,f$]al 
bank+ ag5cy4  7k7 ,economic ,gr[? &     
,regulatory ,pap]work ,r$uction ,act (  
#aiif ,section #bbbg7;a77#a7 ( !        
,economic ,gr[? & ,regulatory ,pap]work 

,r$uction ,act ( #aiif 7#ab ,u4,s4,c4   
#beb7;a77#a77 is am5d$ by /rik+ !       
,director ( ! ,(fice ( ,?rift           
,sup]vision14  7l7 ,electronic ,fund    
,transf] ,act ,! ,electronic ,fund      
,transf] ,act 7#ae ,u4,s4,c4 #afic et   
seq47 is am5d$--  7#a7 9 section #ijc   
7#ae ,u4,s4,c4 #afic;a7--  7,a7 9       
p>agraph 7#b71 by /rik+ #ajc7;i7 &      
ins]t+ #ajc7;j72 &  7,b7 by r$esignat+ !
 fir/ p>agraph designat$ z p>agraph 7#d7
 7def9+ ! t]m ,bo>d71 z p>agraph 7#c72  
7#b7 9 section #ijd7;a7 7#ae ,u4,s4,c4  
#afic;b7a77--  7,a7 by r$esignat+ !     
second p>agraph designat$ z p>agraph    
7#a7 7relat+ to consultation ) o!r      
ag5cies71 ! second p>agraph designat$ z 
p>agraph 7#b7 7relat+ to ! prep>ation ( 
an analysis ( economic impact71 p>agraph
 7#c71 & p>agraph 7#d71 z subp>agraphs  
7,a71 7,b71 7,c71 & 7,d71 respectively1 
& adju/+ ! m>g9s accord+ly2 &  7,b7 by  
/rik+ ,9 prescrib+ su* regulations1 !   
,bo>d %all3 & ins]t+ ! foll[+3  7#c7    
,regulations ,9 prescrib+ regulations "u

 ?is subsection1 ! ,bureau & ! ,bo>d    
%all--  2  7#c7 9 section #iji7;c7 7#ae 
,u4,s4,c4 #afic;g7c771 by /rik+ #ajc7;e7
 & ins]t+ #ajc7;f72  7#d7 9 section     
#iah7;a77#d7 7#ae ,u4,s4,c4             
#afico7a77#d71 by /rik+ ,act & & ins]t+ 
,act2 &2 &  7#e7 9 section              
#ibj7;a77#d77;,c7 7#ae ,u4,s4,c4        
#afico-#b7;a77#d77;,c771 by /rik+ !     
,director ( ! ,(fice ( ,?rift           
,sup]vision14  7m7 ,em]g5cy ,economic   
,/abilization ,act ( #bjjh ,section     
#aja7;b7 ( ! ,em]g5cy ,economic         
,/abilization ,act ( #bjjh 7#ab         
,u4,s4,c4 #ebaa7;b77 is am5d$ by /rik+ !
 ,director ( ! ,(fice ( ,?rift          
,sup]vision14  7n7 ,equal cr$it         
opportunity act ,! ,equal ,cr$it        
,opportunity ,act 7#ae ,u4,s4,c4 #afia  
et seq47 is am5d$--  7#a7 9 section #gjc
 7#ae ,u4,s4,c4 #afia;b7--  7,a7 9 ea* (
 subsections 7c7 & 7d71 by /rik+        
p>agraph ea* place t t]m appe>s & ins]t+
 subsection2 &  7,b7 9 subsection 7g71  
by add+ a p]iod at ! end2  7#b7 9       

section #gjd 7#ae ,u4,s4,c4 #afia;c7--  
7,a7 9 subsection 7a71 by /rik+ ,consum]
 ,protection ,f9ancial ,protection ,act 
( #bjaj ) & ins]t+ ,consum] ,f9ancial   
,protection ,act ( #bjaj1 compliance )2 
&  7,b7 9 subsection 7c71 9 ! second    
s5t5ce1 by /rik+ sub*apt] & ins]t+      
title2  7#c7 9 section #gjd;,b7e77#c7   
7#ae ,u4,s4,c4 #afia;c-#b7;e77#c771 by  
/rik+ 7#a77;,e7 & ins]t+ 7#b77;,e72 &   
7#d7 9 section #gjf7k7 7#ae ,u4,s4,c4   
#afia;e7k771 by /rik+ 81 7#b71 or 7#c70 
& ins]t+ 8or 7#b704  7o7 ,exp$it$ funds 
availability act ,! ,exp$it$ ,funds     
,availability ,act 7#ab ,u4,s4,c4 #djja 
et seq47 is am5d$--  7#a7 9 section     
#fje7;f77#b77;,a7 7#ab ,u4,s4,c4        
#djjd7;f77#b77;,a771 by /rik+ 11 &      
ins]t+ a semicolon2 &  7#b7 9 section   
#faj7;a77#b7 7#ab ,u4,s4,c4             
#djji7;a77#b771 by /rik+ ,director ( !  
,(fice ( ,?rift ,sup]vision & ins]t+    
,comptroll] ( ! ,curr5cy & ! ,bo>d (    
,directors ( ! ,f$]al ,deposit          
,insurance ,corporation1 z appropriate14

  7p7 ,fair cr$it report+ act ,! ,fair  
,cr$it ,report+ ,act 7#ae ,u4,s4,c4     
#afha et seq47 is am5d$--  7#a7 9       
section #fjc 7#ae ,u4,s4,c4 #afha;a7--  
7,a7 9 subsection 7d77#b77;,d71 by /rik+
 7x7 & ins]t+ 7y72  7,b7 9 subsection   
7q77#e71 by /rik+ #ajc7;i7 & ins]t+     
#ajc7;j72 &  7,c7 9 subsection 7v71 by  
/rik+ ,bureau & ins]t+ ,f$]al ,trade    
,commission2  7#b7 9 section #fjd 7#ae  
,u4,s4,c4 #afha;b7--  7,a7 9 subsection 
7b77#b77;,b77i71 by /rik+ section       
#fae7;a77#c7 & ins]t+ section           
#fae7;a77#d72 &  7,b7 9 subsection      
7g77#e71 by /rik+ p>agraph 7#b74-- & all
 t foll[s ?r\gh ,! ,bureau & ins]t+     
p>agraph 7#b74--,! ,bureau2  7#c7 9     
section #fje7;h77#b77;,a7 7#ae ,u4,s4,c4
 #afha;c7h77#b77;,a77--  7,a7 by /rik+  
%all11 & ins]t+ %all12 &  7,b7 by /rik+ 
,commission11 & ins]t+ ,commission12    
7#d7 9 section #fje;,a7h77#a77;,a7 7#ae 
,u4,s4,c4 #afha;c-#a7;h77#a77;,a771 by  
/rik+ #ajc7;i7 & ins]t+ #ajc7;j72  7#e7 
9 section #fji 7#ae ,u4,s4,c4 #afha;g7--

  7,a7 9 subsection 7c77#a7--  7i7 9 !  
p>agraph head+1 by /rik+ commission &   
ins]t+ bureau2 &  7ii7 9 subp>agraph    
7,b77vi71 by /rik+ #fjc7w7 & ins]t+     
#fjc7x72 &  7,b7 by /rik+ ,! ,commission
 ea* place t t]m appe>s & ins]t+ ,!     
,bureau2  7#f7 9 section #faa 7#ae      
,u4,s4,c4 #afha;i71 by /rik+ ,!         
,commission ea* place t t]m appe>s &    
ins]t+ ,! ,bureau2  7#g7 9 section #fab 
7#ae ,u4,s4,c4 #afha;j7--  7,a7 9       
subsection 7a77#a71 by /rik+ 7w7 &      
ins]t+ 7x72 &  7,b7 by /rik+ ,!         
,commission ea* place t t]m appe>s &    
ins]t+ ,! ,bureau2 &  7#h7 9 section    
#fba 7#ae ,u4,s4,c4 #afhas7--  7,a7 9   
subsection 7a77#a71 9 ! fir/ s5t5ce1 by 
/rik+ 1 subsection 7b72  7,b7 9         
subsection 7e77#b71 by ins]t+ a p]iod   
aft] provisions ( ?is title2 &  7,c7 9  
subsection 7f77#b71 by /rik+ ,!         
,commission & ins]t+ ,! ,bureau4  7q7   
,f$]al ,cr$it ,union ,act ,section      
#bjf7;g77#g77;,d77iv7 ( ! ,f$]al ,cr$it 
,union ,act 7#ab ,u4,s4,c4              

#aghf7;g77#g77;,d77iv77 is am5d$ by     
/rik+ ! semicolon at ! end & ins]t+ a   
p]iod4  7r7 ,f$]al ,deposit ,insurance  
,act ,! ,f$]al ,deposit ,insurance ,act 
7#ab ,u4,s4,c4 #ahaa et seq47 is am5d$--
  7#a7 9 section #c7q77#b77;,c7 7#ab    
,u4,s4,c4 #ahac7q77#b77;,c771 by add+ & 
at ! end2  7#b7 9 section #g 7#ab       
,u4,s4,c4 #ahag7--  7,a7 9 subsection   
7b77#b7--  7i7 9 subp>agraph 7,a71 by   
/rik+ 7,d7 & ins]t+ 7,c72 &  7ii7 by    
r$esignat+ subp>agraphs 7,d7 & 7,e7 z   
subp>agraphs 7,c7 & 7,d71 respectively2 
&  7,b7 9 subsection 7e77#b77;,c71 by   
add+ a p]iod at ! end2  7#c7 9 section  
#h 7#ab ,u4,s4,c4 #ahah7--  7,a7 9      
subsection 7b77#c71 by /rik+ ,act77 &   
ins]t+ ,act72 &  7,b7 9 subsection 7t7--
  7i7 9 p>agraph 7#b7--  7,i7 9         
subp>agraph 7,c71 by /rik+ depositors or
 & ins]t+ depositors2 or2 &  7,,ii7 9   
subp>agraph 7,d71 by /rik+ ! semicolon  
at ! end & ins]t+ a p]iod2 &  7ii7 by   
r$esignat+ ! second p>agraph designat$ z
 p>agraph 7#f71 z add$ by section       

#ajij7a7 ( ! ,dodd-,frank ,wall ,/reet  
,re=m & ,consum] ,protection ,act 7#abd 
,/at4 #bjic7 7relat+ to ref]ral to !    
,bureau ( ,consum] ,f9ancial            
,protection71 z p>agraph 7#g72  7#d7 9  
section #aj7;b77#c77;,a7 7#ab ,u4,s4,c4 
#ahbj7;b77#c77;,a771 by /rik+ any       
special exam9ation ( any insur$         
depository in/itution & all t foll[s &  
ins]t+ ! foll[+3 any special exam9ation 
( any insur$ depository in/itution or   
nonbank f9ancial company sup]vis$ by !  
,bo>d ( ,gov]nors or a bank hold+       
company describ$ 9 section #afe7;a7 ( ! 
,f9ancial ,/ability ,act ( #bjaj1 :5ev] 
! ,bo>d ( ,directors det]m9es t a       
special exam9ation ( any su* depository 
in/itution is necess>y to det]m9e !     
condition ( su* depository in/itution = 
insurance purposes1 or ( su* nonbank    
f9ancial company sup]vis$ by ! ,bo>d (  
,gov]nors or bank hold+ company describ$
 9 section #afe7;a7 ( ! ,f9ancial       
,/ability ,act ( #bjaj1 = ! purpose (   
implem5t+ its au?ority to provide =     

ord]ly liquidation ( any su* company "u 
title ,,ii ( ! ,dodd-,frank ,wall ,/reet
 ,re=m & ,consum] ,protection ,act1     
provid$ t su* au?ority may n be us$ )   
respect to any su* company t is 9 a     
g5]ally s\nd condition42  7#e7 9 section
 #aa 7#ab ,u4,s4,c4 #ahba7--  7,a7 9    
subsection 7d77#b77;,i77ii71 by /rik+ & 
section #ba;,a7b77#d72 &  7,b7 9        
subsection 7m71 9 ea* ( p>agraphs 7#af7 
& 7#ah71 by /rik+ ! comma aft]          
,comptroll] ( ! ,curr5cy ea* place x    
appe>s2 &  7#f7 9 section #bf7;a7 7#ab  
,u4,s4,c4 #ahca;c7a771 by /rik+ ,hold+  
,company ,act ea* place t t]m appe>s &  
ins]t+ ,hold+ ,company ,act ( #aief4    
7s7 ,f$]al ,f9ancial ,in/itutions       
,exam9ation ,c\ncil ,act ( #aigh        
,section #ajjc7a7 ( ! ,f$]al ,f9ancial  
,in/itutions ,exam9ation ,c\ncil ,act ( 
#aigh 7#ab ,u4,s4,c4 #ccjb7a77 is am5d$ 
by /rik+ ! ,(fice ( ,?rift ,sup]vision14
  7t7 ,f$]al ,fire ,prev5tion & ,control
 ,act ( #aigd ,section #ca7;a77#e77;,b7 
( ! ,f$]al ,fire ,prev5tion & ,control  

,act ( #aigd 7#ae ,u4,s4,c4             
#bbbg7;a77#e77;,b77 is am5d$ by /rik+ ! 
,f$]al ,deposit ,insurance ,corporation 
& all t foll[s ?r\gh ! p]iod & ins]t+   
8or ! ,f$]al ,deposit ,insurance        
,corporation "u ! af=dable h\s+ program 
"u section #dj ( ! ,f$]al ,deposit      
,insurance ,act404  7u7 ,f$]al ,home    
,loan ,bank ,act ,! ,f$]al ,home ,loan  
,bank ,act 7#ab ,u4,s4,c4 #adba et seq47
 is am5d$--  7#a7 9 section #aj7;h77#a7 
7#ab ,u4,s4,c4 #adcj7;h77#a771 by /rik+ 
,director ( ! ,(fice ( ,?rift           
,sup]vision & ins]t+ ,comptroll] ( !    
,curr5cy or ! ,bo>d ( ,directors ( !    
,f$]al ,deposit ,insurance ,corporation1
 z applicable2 &  7#b7 9 section #bb7;a7
 7#ab ,u4,s4,c4 #addb7;a77--  7,a7 9 !  
matt] prec$+ p>agraph 7#a71 by /rik+    
,curr5cy & all t foll[s ?r\gh           
,sup]vision & ins]t+ ,curr5cy1 !        
,*airman ( ! ,bo>d ( ,gov]nors ( !      
,f$]al ,res]ve ,sy/em1 ! ,*airp]son ( ! 
,f$]al ,deposit ,insurance ,corporation1
 & ! ,*airman ( ! ,national ,cr$it      

,union ,adm9i/ration2 &  7,b7 9 !       
undesignat$ matt] foll[+ p>agraph 7#b71 
by /rik+ ,curr5cy & all t foll[s ?r\gh  
,sup]vision & ins]t+ ,curr5cy1 !        
,*airman ( ! ,bo>d ( ,gov]nors ( !      
,f$]al ,res]ve ,sy/em1 & ! ,*airman ( ! 
,national ,cr$it ,union ,adm9i/ration4  
7v7 ,f$]al ,res]ve ,act ,! ,f$]al       
,res]ve ,act 7#ab ,u4,s4,c4 #bba et     
seq47 is am5d$ 9 section #aa 7#ab       
,u4,s4,c4 #bdh7--  7#a7 by r$esignat+   
subsection 7s71 z add$ by section       
#aajc7;b7 ( ! ,dodd-,frank ,wall ,/reet 
,re=m & ,consum] ,protection ,act 7#abd 
,/at4 #baah7 7relat+ to ,f$]al ,res]ve  
transp>5cy & release ( in=mation71 z    
subsection 7t72 &  7#b7 9 subsection    
7t71 z s r$esignat$1 9 p>agraph         
7#h77;,b71 by /rik+ ?is section & ins]t+
 ?is subsection4  7w7 ,f9ancial         
,in/itutions ,re=m1 ,recov]y1 &         
,en=cem5t ,act ( #aihi ,! ,f9ancial     
,in/itutions ,re=m1 ,recov]y1 &         
,en=cem5t ,act ( #aihi 7,public ,law    
#aja-gc2 #ajc ,/at4 #ahc7 is am5d$--    

7#a7 9 section #aaba7f7 7#ab ,u4,s4,c4  
#ccej7f771 by /rik+ ! ,(fice ( ,?rift   
,sup]vision12 &  7#b7 9 section         
#abjf7;a7 7#ab ,u4,s4,c4 #ahcc;b7a771 by
 /rik+ & ! ,bureau ( ,consum] ,f9ancial 
,protection1 & ins]t+ ! ,bureau (       
,consum] ,f9ancial ,protection1 &4  7x7 
,gramm-,lea*-,bliley ,act ,!            
,gramm-,lea*-,bliley ,act 7,public ,law 
#ajf-ajb2 #aac ,/at4 #acch7 is am5d$--  
7#a7 9 section #acb7;a7 7#ab ,u4,s4,c4  
#ahbh;b7a771 by /rik+ ! ,director ( !   
,(fice ( ,?rift ,sup]vision12  7#b7 9   
section #bjf7;a7 7#ae ,u4,s4,c4 #gh;c   
note71 by /rik+ ,except z provid$ 9     
subsection 7e71 = & ins]t+ ,=2  7#c7 9  
section #ejb7;e77#e7 7#ae ,u4,s4,c4     
#fhjb7;e77#e771 by ins]t+ a comma aft]  
,protection2  7#d7 9 section            
#ejd7;a77#b7 7#ae ,u4,s4,c4             
#fhjd7;a77#b771 by /rik+ &1 z           
appropriate1 & ) & ins]t+ &1 z          
appropriate1 )2  7#e7 9 section #eji7b7 
7#ae ,u4,s4,c4 #fhji7b77--  7,a7 by     
/rik+ subp>agraph 7,d72 &  7,b7 by      

r$esignat+ subp>agraphs 7,e7 & 7,f7 z   
subp>agraphs 7,d7 & 7,e71 respectively2 
&  7#f7 9 section #ebb7;b77#a77;,a77iv7 
7#ae ,u4,s4,c4 #fhbb7;b77#a77;,a77iv771 
by /rik+ ,director ( ! ,(fice ( ,?rift  
,sup]vision & ins]t+ ,comptroll] ( !    
,curr5cy & ! ,bo>d ( ,directors ( !     
,f$]al ,deposit ,insurance ,corporation1
 z appropriate4  7y7 ,help+ families    
save _! homes act ( #bjji ,section #ajd 
( ! ,help+ ,families ,save ,_! ,homes   
,act ( #bjji 7#ab ,u4,s4,c4 #agaez-#be7 
is am5d$--  7#a7 9 subsection 7a7--     
7,a7 by /rik+ & ! ,director ( ! ,(fice (
 ,?rift ,sup]vision1 %all jo9tly &      
ins]t+ %all2  7,b7 by /rik+ & ! ,(fice (
 ,?rift ,sup]vision2 &  7,c7 by /rik+   
ea* su* & ins]t+ su*2 &  7#b7 9         
subsection 7b77#a7--  7,a7 9 subp>agraph
 7,a7--  7i7 9 ! fir/ s5t5ce--  7,i7 by 
/rik+ & ! ,director ( ! ,(fice ( ,?rift 
,sup]vision12 &  7,,ii7 by /rik+ or !   
,director2  7ii7 9 ! second s5t5ce1 by  
/rik+ & ! ,director ( ! ,(fice ( ,?rift 
,sup]vision2 &  7,b7 9 subp>agraph 7,b71

 by /rik+ & ! ,director ( ! ,(fice (    
,?rift ,sup]vision4  7z7 ,home mortgage 
disclosure act ( #aige ,! ,home         
,mortgage ,disclosure ,act ( #aige 7#ab 
,u4,s4,c4 #bhja et seq47 is am5d$--     
7#a7 9 section #cjd7;j77#c7 7#ab        
,u4,s4,c4 #bhjc7;j77#c771 by add+ a     
p]iod at ! end2 &  7#b7 9 section       
#cje7;b77#a77;,a77iii7 7#ab ,u4,s4,c4   
#bhjd7;b77#a77;,a77iii771 by /rik+ bank 
z1 & ins]t+ bank1 z4  7aa7 ,home ,own]s'
 ,loan ,act ,! ,home ,own]s' ,loan ,act 
7#ab ,u4,s4,c4 #adfa et seq47 is am5d$--
  7#a7 9 section #e 7#ab ,u4,s4,c4      
#adfd7--  7,a7 9 subsection             
7d77#b77;,e77ii7--  7i7 9 ! fir/ s5t5ce1
 by /rik+ ,except z provid$ 9 section   
#ba;,a ( ! ,f$]al ,home ,loan ,bank     
,act1 ! & ins]t+ ,!2 &  7ii7 by /rik+ 1 
at ! ,director's discretion12  7,b7 9   
subsection 7i77#f71 by /rik+ ! ,(fice ( 
,?rift ,sup]vision or2  7,c7 9          
subsection 7m71 by /rik+ ,director's ea*
 place t t]m appe>s & ins]t+ appropriate
 ,f$]al bank+ ag5cy's2  7,d7 9          

subsection 7n77#i77;,b71 by /rik+       
,director's & ins]t+ ,comptroll]'s2 &   
7,e7 9 subsection 7s7--  7i7 9 p>agraph 
7#a7--  7,i7 9 ! matt] prec$+           
subp>agraph 7,a71 by /rik+ ( su* ,act7 &
 all t foll[s ?r\gh %all require &      
ins]t+ ( su* ,act71 ! appropriate ,f$]al
 bank+ ag5cy %all require2 &  7,,ii7 9  
subp>agraph 7,b71 by /rik+ o!r me?ods & 
all t foll[s ?r\gh det]m9es & ins]t+ o!r
 me?ods z ! appropriate ,f$]al bank+    
ag5cy det]m9es2  7ii7 9 p>agraph 7#b7-- 
7,i7 by /rik+ det]m9$ & all t foll[s    
?r\gh may1 consi/5t & ins]t+ det]m9$ by 
appropriate f$]al bank+ ag5cy           
case-by-case4--,! appropriate ,f$]al    
bank+ ag5cy may1 consi/5t2 &  7,,ii7 by 
/rik+ capital-to-assets & all t foll[s  
?r\gh det]m9es to be necess>y & ins]t+  
capital-to-assets z ! appropriate ,f$]al
 bank+ ag5cy det]m9es to be necess>y2   
7#b7 9 section #f7;c7 7#ab ,u4,s4,c4    
#adfe7;c771 by /rik+ sections & ins]t+  
section2  7#c7 9 section #aj 7#ab       
,u4,s4,c4 #adfg;a7--  7,a7 9 subsection 

7b77#f71 by /rik+ "t & all t foll[s     
?r\gh release & ins]t+ "t1 ^u ! motion  
or application ( ! ,bo>d1 release2  7,b7
 9 subsection 7c77#b77;,h7--  7i7 9 !   
matt] prec$+ clause 7i7--  7,i7 by /rik+
 #ahda7p77 & ins]t+ #ahda7p7772 &       
7,,ii7 by ins]t+ 7#ab ,u4,s4,c4         
#ahdc7k77 be=e if--2 &  7ii7 9 clause   
7i71 by ins]t+ ( #aief 7#ab ,u4,s4,c4   
#ahdc7l7 & 7m77 aft] ,company ,act2 &   
7,c7 9 subsection 7e77#g77;,b77iii7--   
7i7 by /rik+ ,bo>d ( ! ,(fice ( ,?rift  
,sup]vision & ins]t+ ,director ( !      
,(fice ( ,?rift ,sup]vision2 &  7ii7 by 
ins]t+ 1 z def9$ 9 section #b ( !       
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecja7 aft] transf] date2 &  7#d7 9    
section #ac 7#ab ,u4,s4,c4 #adfh;b71 by 
/rik+ ! a & ins]t+ a4  7bb7 ,home       
,own]%ip & ,equity ,protection ,act (   
#aiid ,section #aeh ( ! ,home ,own]%ip &
 ,equity ,protection ,act ( #aiid 7#ae  
,u4,s4,c4 #afja note7 is am5d$ by /rik+ 
,bureau ea* place t t]m appe>s & ins]t+ 

,bureau ( ,consum] ,f9ancial            
,protection4  7cc7 ,h\s+ act ( #aidh    
,section #ejb7;c77#c7 ( ! ,h\s+ ,act (  
#aidh 7#ab ,u4,s4,c4 #agja;c7c77#c77 is 
am5d$ by /rik+ ,f$]al ,home ,loan ,bank 
,ag5cy & ins]t+ ,f$]al ,h\s+ ,f9ance    
,ag5cy4  7dd7 ,h\s+ & ,urban ,developm5t
 ,act ( #aifh ,section #ajf7;h77#e7 ( ! 
,h\s+ & ,urban ,developm5t ,act ( #aifh 
7#ab ,u4,s4,c4 #agjax7h77#e77 is am5d$  
by /rik+ au?oris$ & ins]t+ au?oriz$4    
7ee7 ,int]national ,bank+ ,act ( #aigh  
,section #ae ( ! ,int]national ,bank+   
,act ( #aigh 7#ab ,u4,s4,c4 #caji7 is   
am5d$--  7#a7 9 ea* ( subsections 7a7 & 
7b7--  7,a7 by /rik+ 1 & ,director ( !  
,(fice ( ,?rift ,sup]vision ea* place t 
t]m appe>s2 &  7,b7 by ins]t+ & be=e    
,f$]al ,deposit ea* place t t]m appe>s2 
7#b7 9 subsection 7a71 by /rik+         
,comptroll]1 ,corporation1 or ,director 
& ins]t+ ,comptroll]1 or ,corporation2 &
  7#c7 9 subsection 7c77#d7--  7,a7 by  
ins]t+ & be=e ! ,f$]al ,deposit2 &  7,b7
 by /rik+ 1 & ! ,director ( ! ,(fice (  

,?rift ,sup]vision4  7ff7 ,int]national 
,l5d+ ,sup]vision ,act ( #aihc ,section 
#iab ( ! ,int]national ,l5d+ ,sup]vision
 ,act ( #aihc 7#ab ,u4,s4,c4 #ciaa7 is  
am5d$--  7#a7 9 ! section head+1 by     
/rik+ & ! ,(fice ( ,?rift ,sup]vision2  
7#b7 by /rik+ 7a7 ,9 g5]al4--2 &  7#c7  
by /rik+ subsection 7b74  7gg7 ,int]/ate
 l& sales full disclosure act ,!        
,int]/ate ,l& ,sales ,full ,disclosure  
,act 7#ae ,u4,s4,c4 #agja et seq47 is   
am5d$--  7#a7 9 section #adjb7a7 7#ae   
,u4,s4,c4 #agja7a77 by /rik+ ,bureau ( &
 all t foll[s ?r\gh ! semicolon at ! end
 & ins]t+ ,bureau ( ,consum] ,f9ancial  
,protection22 &  7#b7 9 ea* ( section   
#adaa7;b7 7#ae ,u4,s4,c4 #agaj7;b77 &   
subsections 7b77#d7 & 7d7 ( section     
#adah;a 7#ae ,u4,s4,c4 #agag;a71 by     
/rik+ 8,secret>y's0 ea* place t t]m     
appe>s & ins]t+ 8,director's04  7hh7    
,inve/m5t ,advis]s ,act ( #aidj ,section
 #bbd ( ! ,inve/m5t ,advis]s ,act (     
#aidj 7#ae ,u4,s4,c4 #hj;b-#ah;c7 is    
am5d$ 9 ! section head+1 by /rik+       

,commodities & ins]t+ ,commodity4  7ii7 
,legal ,c]ta9ty = ,bank ,products ,act (
 #bjjj ,section #djc7;b77#a7 ( ! ,legal 
,c]ta9ty = ,bank ,products ,act ( #bjjj 
7#g ,u4,s4,c4 #bg;a7b77#a77 is am5d$ by 
/rik+ t section & ins]t+ section4  7jj7 
,omnibus ,appropriations ,act1 #bjji    
,section #fbf7;b7 ( ! ,omnibus          
,appropriations ,act1 #bjji 7#ab        
,u4,s4,c4 #eech7;b77 is am5d$1 9 ea* (  
p>agraphs 7#b7 & 7#c71 by ins]t+ a comma
 aft] z appropriate ea* place t t]m     
appe>s4  7kk7 ,public law #ic-die       
,section #aaa ( ,public ,law #ic-die    
7#ab ,u4,s4,c4 #bej7 is am5d$ by /rik+ !
 ,director ( ! ,(fice ( ,?rift          
,sup]vision14  7ll7 ,revis$ ,/atutes ( !
 ,unit$ ,/ates ,section #eacf;,c7i7 ( ! 
,revis$ ,/atutes ( ! ,unit$ ,/ates 7#ab 
,u4,s4,c4 #be;b7i77 is am5d$ by /rik+   
p[]s4-- & all t foll[s ?r\gh ,9         
accordance & ins]t+ p[]s4--,9           
accordance4  7mm7 ,riegle ,community    
,developm5t & ,regulatory ,improvem5t   
,act ( #aiid ,section #aag7;e7 ( !      

,riegle ,community ,developm5t &        
,regulatory ,improvem5t ,act ( #aiid    
7#ab ,u4,s4,c4 #dgaf7;e77 is am5d$ by   
/rik+ ! ,director ( ! ,(fice ( ,?rift   
,sup]vision14  7nn7 ,s4,a4,f4,e4        
,mortgage ,lic5s+ ,act ( #bjjh ,section 
#aead ( ! ,s4,a4,f4,e4 ,mortgage ,lic5s+
 ,act ( #bjjh 7#ab ,u4,s4,c4 #eaac7 is  
am5d$ 9 ea* ( subsections 7b77#e7 &     
7c77#d77;,c71 by /rik+ ,secret>y's ea*  
place t t]m appe>s & ins]t+ ,director's4
  7oo7 ,securities ,ex*ange ,act ( #aicd
 ,! ,securities ,ex*ange ,act ( #aicd   
7#ae ,u4,s4,c4 #gh;a et seq47 is am5d$--
  7#a7 9 section #c;,c7g77#d77;,b77v7   
7#ae ,u4,s4,c4                          
#gh;c-#c7;g77#d77;,b77v771 by /rik+ ( t 
,act & ins]t+ ( t section2  7#b7 9      
section #c;,d7d77#aj77;,a7 7#ae         
,u4,s4,c4 #gh;c-#d7;d77#aj77;,a771 by   
/rik+ tak+ & ins]t+ take2  7#c7 9       
section #c;,e7b77#a7 7#ae ,u4,s4,c4     
#gh;c-#e7;b77#a771 by /rik+ ?\gh &      
ins]t+ ?r\gh2  7#d7 9 section           
#d7;g77#h77;,a7 7#ae ,u4,s4,c4          

#gh;d7g77#h77;,a771 by /rik+            
7#b77;,a77i7 & ins]t+ 7#b77;,a77ii72    
7#e7 9 section #ae 7#ae ,u4,s4,c4       
#gho7--  7,a7 9 ea* ( subp>agraphs      
7,b77ii7 & 7,c7 ( subsection 7b77#d71 by
 /rik+ deal] municipal advisor11 &      
ins]t+ deal]1 municipal advisor12  7,b7 
by r$esignat+ subsection 7j7 7relat+ to 
! au?ority ( ! ,commission7 z subsection
 7p7 & mov+ t subsection to ! end2  7,c7
 by r$esignat+ subsections 7k7 & 7l7    
7relat+ to /&>d ( conduct & o!r matt]s1 
respectively71 z add$ by section        
#iac7;g77#a7 ( ! ,dodd-,frank ,wall     
,/reet ,re=m & ,consum] ,protection ,act
 7#abd ,/at4 #ahbh71 z subsections 7q7 &
 7r71 respectively & mov+ ^? subsections
 to ! end2 &  7,d7 9 subsection 7m71 by 
ins]t+ ! be=e same ext5t2  7#f7 9       
section #ae;,f7h7 7#ae ,u4,s4,c4        
#gho-#aj7;h77--  7,a7 9 p>agraph        
7#b77;,a71 by ins]t+ 8a0 aft] 8t acts z 
an advisor to02  7,b7 9 p>agraph        
7#b77;,b71 by ins]t+ a aft] (f]s to ent]
 into2 &  7,c7 9 p>agraph 7#e77;,a77i7--

  7i7 by ins]t+ 7,a7 aft] 7#ah72 &  7ii7
 9 subclause 7,,vii71 by /rik+ act ( &  
ins]t+ ,act (2  7#g7 9 section #ae;,g   
7#ae ,u4,s4,c4 #gho-#aa7--  7,a7 9      
subsection 7b77#b71 by ins]t+ ,director 
( ! be=e ,f$]al ,h\s+2  7,b7 9          
subsection 7e77#d77;,a71 by /rik+       
subsection & ins]t+ section2  7,c7 9    
subsection 7e77#d77;,c7--  7i7 by /rik+ 
#abi;,c7c77#b7 & ins]t+                 
#abi;,c7b77#b77;,a72 &  7ii7 by ins]t+  
7#ae ,u4,s4,c4 #afci;c7b77#b77;,a77 aft]
 ,l5d+ ,act2 &  7,d7 9 subsection       
7e77#e71 by /rik+ subsection & ins]t+   
section2 &  7#h7 9 section #ag;,a 7#ae  
,u4,s4,c4 #ghq-#a71 by r$esignat+       
subsection 7g71 z add$ by section #ibi,w
 ( ! ,dodd-,frank ,wall ,/reet ,re=m &  
,consum] ,protection ,act 7relat+ to due
 dilig5ce = ! deliv]y ( divid5ds1       
int]e/1 & o!r valuable prop]ty rights7 z
 subsection 7n7 & mov+ t subsection to !
 end4  7pp7 ,telem>ket+ & consum] fraud 
& abuse prev5tion act ,section #c7;b7 ( 
! ,telem>ket+ & ,consum] ,fraud & ,abuse

 ,prev5tion ,act 7#ae ,u4,s4,c4         
#fajb7;b77 is am5d$ by ins]t+ be=e !    
p]iod at ! end ! foll[+3 1 provid$1     
h[ev]1 no?+ 9 ?is section %all conflict 
) or sup]s$e section #f ( ! ,f$]al      
,trade ,commission ,act 7#ae ,u4,s4,c4  
#df74  7qq7 ,title #e ,title #e1 ,unit$ 
,/ates ,code1 is am5d$--  7#a7 9 section
 #cacb7;a77#a77;,d71 by /rik+ ! ,(fice (
 ,?rift ,sup]vision11 ! ,resolution     
,tru/ ,corporation12 &  7#b7 9 section  
#ecad1 by /rik+ ,director ( ! ,(fice (  
,?rift ,sup]vision44  7rr7 ,title #aj   
,section #ihg7;h77#c7 ( title #aj1      
,unit$ ,/ates ,code1 is am5d$--  7#a7 by
 /rik+ subp>agraph 7,e72 &  7#b7 by     
r$esignat+ subp>agraphs 7,f7 & 7,g7 z   
subp>agraphs 7,e7 & 7,f71 respectively4 
7ss7 ,title #ca  7#a7 ,am5dm5ts ,title  
#ca1 ,unit$ ,/ates ,code1 is am5d$--    
7,a7 by /rik+ section #cji2  7,b7 9     
section #cac--  7i7 9 subsection        
7j77#b71 by /rik+ ,ag5cy2 &  7ii7 9     
subsection 7r77#d71 by /rik+ ! ,(fice ( 
,?rift ,sup]vision12 &  7,c7 9 section  

#gad7;d77#c77;,b7 by /rik+ a audit &    
ins]t+ an audit4  7#b7 ,analysis ,!     
analysis = sub*apt] ,i ( *apt] #c (     
title #ca1 ,unit$ ,/ates ,code1 is am5d$
 by /rik+ ! item relat+ to section #cji4
  7tt7 ,tru? 9 ,l5d+ ,act ,! ,tru? 9    
,l5d+ ,act 7#ae ,u4,s4,c4 #afja et seq47
 is am5d$--  7#a7 9 section #ajc 7#ae   
,u4,s4,c4 #afjb7--  7,a7 by r$esignat+  
subsections 7aa7 & 7bb7 z subsections   
7bb7 & 7aa71 respectively1 & mov+       
subsection 7bb71 z s r$esignat$1 aft]   
subsection 7aa71 z s r$esignat$2  7,b7  
by r$esignat+ ! subsection 7cc71 z add$ 
by section #adja ( ! ,dodd-,frank ,wall 
,/reet ,re=m & ,consum] ,protection ,act
 7#abd ,/at4 #bacg71 z subsection 7ee71 
& by mov+ su* subsection to ! end2 &    
7,c7 9 p>agraph 7#b77;,e77v7 (          
subsection 7ee71 z s r$esignat$1 by     
/rik+ ,bo>d & ins]t+ ,bureau2  7#b7 9   
section #aje 7#ae ,u4,s4,c4 #afjd71 by  
ins]t+ subsection 7h71 z add$ by section
 #adgb7;c7 ( ! ,dodd-,frank ,wall ,/reet
 ,re=m & ,consum] ,protection ,act 7#abd

 ,/at4 #bahg71 be=e subsection 7i71 z   
add$ by section #aajj;,a7#g7 ( t ,act   
7#abd ,/at4 #bajh72  7#c7 9 section     
#ajf7;f77#b77;,b77i7 7#ae ,u4,s4,c4     
#afje7;f77#b77;,b77i771 by /rik+ #ajc7w7
 & ins]t+ #ajc7x72  7#d7 9 section      
#aba7;b7 7#ae ,u4,s4,c4 #afca7;b771 by  
/rik+ #ajc7;f7 & ins]t+ #ajc7;g72  7#e7 
9 section #abb7;d77#e7 7#ae ,u4,s4,c4   
#afcb7;d77#e771 by /rik+ & ! ,bureau    
be=e 1 may promulgate regulations2  7#f7
 9 section #abe7;e77#a7 7#ae ,u4,s4,c4  
#afce7;e77#a771 by /rik+ #ajc7w7 &      
ins]t+ #ajc7x72  7#g7 9 section #abi    
7#ae ,u4,s4,c4 #afci7--  7,a7 9         
subsection 7q71 by /rik+ 7l77#b7 &      
ins]t+ 7p77#b72 &  7,b7 9 subsection    
7u77#c71 by /rik+ ,bo>d ea* place t t]m 
appe>s & ins]t+ ,bureau2  7#h7 9 section
 #abi;,c 7#ae ,u4,s4,c4 #afci;c7--  7,a7
 9 subsection 7b77#b77;,b71 by /rik+ !  
second p]iod at ! end2 &  7,b7 9        
subsection 7c77#a77;,b77ii77,i71 by     
/rik+ a orig9al & ins]t+ an orig9al2    
7#i7 9 section #adj;,a 7#ae ,u4,s4,c4   

#afea71 by /rik+ ! ,bureau &2  7#aj7 9  
section #adh7;d7 7#ae ,u4,s4,c4         
#affe;c7d771 by /rik+ ,bureau & ins]t+  
,bo>d2  7#aa7 9 section #adi 7#ae       
,u4,s4,c4 #affe;d7--  7,a7 by /rik+ !   
,director ( ! ,(fice ( ,?rift           
,sup]vision1 ea* place t t]m appe>s2    
7,b7 by /rik+ ,national ,cr$it ,union   
,adm9i/ration ,bureau & ins]t+ ,national
 ,cr$it ,union ,adm9i/ration ,bo>d ea*  
place t t]m appe>s2 &  7,c7 by /rik+    
,bureau ( ,directors ( ! ,f$]al ,deposit
 ,insurance ,corporation & ins]t+ ,bo>d 
( ,directors ( ! ,f$]al ,deposit        
,insurance ,corporation ea* place t t]m 
appe>s2 &  7#ab7 9 section #aha7a7 7#ae 
,u4,s4,c4 #affg7a771 by /rik+ #ajc7;g7 &
 ins]t+ #ajc7;h74  7uu7 ,tru? 9 ,sav+s  
,act ,! ,tru? 9 ,sav+s ,act 7#ab        
,u4,s4,c4 #dcja et seq47 is am5d$ 9 ea* 
( sections #bfi7;a77#d7 7#ab ,u4,s4,c4  
#dcjh7;a77#d771 #bgj7;a77#b7 7#ab       
,u4,s4,c4 #dcji7;a77#b771 & #bgd7f7 7#ab
 ,u4,s4,c4 #dcac7f771 by /rik+          
,adm9i/ration ,bureau ea* place t t]m   

appe>s & ins]t+ ,adm9i/ration ,bo>d4    
#ag4 ,rulemak+ deadl9es  7a7 ,"o-,ye>   
ext5sion ,! deadl9e = issuance ( any    
rule or regulation1 conduct ( any /udy1 
or submission ( any report requir$ by ! 
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7,public ,law 
#aaa-bjc7 or am5dm5ts made by t ,act t  
has n be5 met or is n met 9 f9al =m by !
 date specifi$ 9 t ,act or ^? am5dm5ts1 
%all be ext5d$ = #a ye>4  7b7 ,no effect
 on f9aliz$ rules ,! ext5sion provid$ "u
 subsection 7a7 %all h no effect on any 
rule requir$ by ! ,dodd-,frank ,wall    
,/reet ,re=m & ,consum] ,protection ,act
 7,public ,law #aaa-bjc7 or am5dm5ts    
made by t ,act t h be5 issu$ 9 f9al =m  
be=e ! date ( enactm5t ( ?is ,act4  #ah4
 ,effective dates ,except z o!rwise     
specifically provid$ 9 ?is ,act--  7#a7 
! am5dm5ts made by ?is ,act to a        
provision ( ! ,dodd-,frank ,wall ,/reet 
,re=m & ,consum] ,protection ,act       
7,public ,law #aaa-bjc7 %all take effect
 z if enact$ on ! effective date ( !    

provision1 imm$iately aft] ! provision  
takes effect2 &  7#b7 ! am5dm5ts made by
 ?is ,act to a provision ( law am5d$ by 
! ,dodd-,frank ,wall ,/reet ,re=m &     
,consum] ,protection ,act %all take     
effect z if enact$ on ! effective date (
 ! am5dm5t to t provision ( law made by 
! ,dodd-,frank ,wall ,/reet ,re=m &     
,consum] ,protection ,act1 imm$iately   
aft] ! am5dm5t made by ! ,dodd-,frank   
,wall ,/reet ,re=m & ,consum]           
,protection ,act takes effect4