,i  #aad? ,,congress  #a/ ,session  ,h4 
,r4 #aebc  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,m>* #bc1 #bjae ,mr4  
,g>rett introduc$ ! foll[+ bill2 :i* 0  
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to provide relief 
to community banks & promote _! access  
to capital1 & = o!r purposes4  #a4 ,%ort
 title ,?is ,act may be cit$ z !        
,community ,bank ,access to ,capital    
,act ( #bjae4  #b4 ,small bank hold+    
company policy /atem5t ?re%old  7a7     
,asset ?re%old ,n lat] ?an ! end ( !    
#c-mon? p]iod beg9n+ on ! date ( !      
enactm5t ( ?is ,act1 ! ,bo>d ( ,gov]nors
 ( ! ,f$]al ,res]ve ,sy/em %all revise !
 ,small ,bank ,hold+ ,company ,policy   
,/atem5t on ,assessm5t ( ,f9ancial &    
,manag]ial ,factors 7#ab ,c4,f4,r4 "p   
#bbe1 app5dix ,c7 to *ange ! asset      
?re%old "u su* policy f less ?an        
#a1jjj1jjj1jjj 7z set by ,public ,law   
#aac-bej7 to less ?an #e1jjj1jjj1jjj4   
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 /rik+ #a1jjj1jjj1jjj &      
ins]t+ #e1jjj1jjj1jjj4  #c4 ,basel ,,iii
 exemption = community banks  7a7 ,9    
g5]al ,n lat] ?an ! end ( ! #c-mon?     
p]iod beg9n+ on ! date ( ! enactm5t (   
?is ,act1 ! ,comptroll] ( ! ,curr5cy1 ! 
,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve    
,sy/em1 & ! ,f$]al ,deposit ,insurance  
,corporation %all issue regulations     
exempt+ community banks f any regulation
 issu$ to implem5t ! ,int]national      
regulatory framework = banks 7,basel    
,,iii74  7b7 ,capital requirem5ts       
adju/m5t ,! ,comptroll] ( ! ,curr5cy1 ! 
,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve    
,sy/em1 & ! ,f$]al ,deposit ,insurance  
,corporation %all make su* revisions to 
capital requirem5ts z !y det]m9e        
necess>y or appropriate 9 light ( !     
regulations requir$ "u subsection 7a74  
7c7 ,community bank def9$ ,= purposes ( 
?is section1 ! t]m community bank means 
an insur$ depository in/itution 7z def9$

 "u section #c ( ! ,f$]al ,deposit      
,insurance ,act7 ) consolidat$ assets ( 
#ej1jjj1jjj1jjj or less4  #d4 ,int]nal  
control atte/ation requirem5t exemptions
 ,section #djd7;c7 ( ! ,s>banes-,oxley  
,act ( #bjjb 7#ae ,u4,s4,c4 #gbfb7;c77  
is am5d$-- 7#a7 by /rik+ t is nei!r &   
ins]t+ ! foll[+3  t-- 7#a7 is nei!r  2  
7#b7 by /rik+ ! p]iod at ! end & ins]t+ 
2 or2 &  7#c7 by add+ at ! end ! foll[+3
  7#b7 is an insur$ depository          
in/itution or a depository in/itution   
hold+ company 7z su* t]ms are def9$1    
respectively1 "u section #c ( ! ,f$]al  
,deposit ,insurance ,act71 & has less   
?an #a1jjj1jjj1jjj 9 consolidat$ assets4
  4  #e4 ,regulation ,d *anges ,!       
,securities & ,ex*ange ,commission--    
7#a7 may n adju/--  7,a7 ! #a1jjj1jjj   
net wor? ?re%old "u section             
#bcj4eja7;a77#e7 ( title #ag1 ,code (   
,f$]al ,regulations2 or  7,b7 ! #bjj1jjj
 & #cjj1jjj income ?re%olds "u section  
#bcj4eja7;a77#f7 ( title #ag1 ,code (   
,f$]al ,regulations2 &  7#b7 %all1 n    

lat] ?an ! end ( ! #c-mon? p]iod beg9n+ 
on ! date ( ! enactm5t ( ?is ,act1      
revise section #bcj4ejf7;b77#b77;i7 (   
title #ag1 ,code ( ,f$]al ,regulations1 
to *ange ! limitation on ! numb] (      
pur*as]s conta9$ 9 su* section f #ce to 
#gj4  #f4 ,%>ehold] ?re%old treatm5t (  
sav+s & loan hold+ companies  7a7       
,am5dm5ts to section #ab ( ! ,securities
 ,ex*ange ,act ( #aicd ,section #ab7;g7 
( ! ,securities ,ex*ange ,act ( #aicd   
7#ae ,u4,s4,c4 #ghl7g77 is am5d$-- 7#a7 
9 p>agraph 7#a77;,b71 by /rik+ or a bank
 hold+ company1 z su* t]m is def9$ 9    
section #b ( ! ,bank ,hold+ ,company    
,act ( #aief 7#ab ,u4,s4,c4 #ahda7 &    
ins]t+ 1 a bank hold+ company1 or a     
sav+s & loan hold+ company2 &  7#b7 9   
p>agraph 7#d71 by /rik+ or a bank hold+ 
company1 z su* t]m is def9$ 9 section #b
 ( ! ,bank ,hold+ ,company ,act ( #aief 
7#ab ,u4,s4,c4 #ahda7 & ins]t+ 1 a bank 
hold+ company1 or a sav+s & loan hold+  
company4  7b7 ,am5dm5ts to section #ae (
 ! ,securities ,ex*ange ,act ( #aicd    

,section #ae7;d7 ( ! ,securities        
,ex*ange ,act ( #aicd 7#ae ,u4,s4,c4    
#gho7d77 is am5d$1 9 ! ?ird s5t5ce1 by  
/rik+ or a bank hold+ company1 z su* t]m
 is def9$ 9 section #b ( ! ,bank ,hold+ 
,company ,act ( #aief 7#ab ,u4,s4,c4    
#ahda71 #a1bjj p]sons p]sons & ins]t+ 1 
a bank hold+ company1 or a sav+s & loan 
hold+ company ( less ?an #a1bjj p]sons4 
7c7 ,def9itions ,section #c7;a7 ( !     
,securities ,ex*ange ,act ( #aicd 7#ae  
,u4,s4,c4 #gh;c7a77 is am5d$-- 7#a7 by  
r$esignat+ ! second p>agraph 7#hj7      
7relat+ to fund+ portals7 z p>agraph    
7#ha72 &  7#b7 by add+ at ! end !       
foll[+3  7#hb7 ,bank hold+ company ,!   
t]m bank hold+ company has ! mean+ giv5 
su* t]m "u section #b ( ! ,bank ,hold+  
,company ,act ( #aief 7#ab ,u4,s4,c4    
#ahda74  7#hc7 ,sav+s & loan hold+      
company ,! t]m sav+s & loan hold+       
company has ! mean+ giv5 su* t]m "u     
section #aj7;a7 ( ! ,home ,own]s' ,loan 
,act 7#ab ,u4,s4,c4 #adfg;a7a774  4