#aad? ,,congress  #b;d ,session  ,h4 ,r4
 #cgia  ,,an ,,act  ,to raise !         
consolidat$ assets ?re%old "u ! small   
bank hold+ company policy /atem5t1 & =  
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$]al ,res]ve ,sy/em %all revise !
 ,small ,bank ,hold+ ,company ,policy   
,/atem5t on ,assessm5t ( ,f9ancial &    
,manag]ial ,factors 7#ab ,,cfr "p       
#bbe--;app5dix ,c7 to raise !           
consolidat$ asset ?re%old "u su* policy 
/atem5t f #a1jjj1jjj1jjj 7z adju/$ by   
,public ,law #aac-bej7 to               
#e1jjj1jjj1jjj4  7b7 ,con=m+ am5dm5t    
,subp>agraph 7,c7 ( section #aga7;b77#e7
 ( ! ,dodd-,frank ,wall ,/reet ,re=m &  
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecga7;b77#e77 is am5d$ to read z      
foll[s3  7,c7 any bank hold+ company or 
sav+s & loan hold+ company t is subject 

to ! application ( ! ,small ,bank ,hold+
 ,company ,policy ,/atem5t on ,assessm5t
 ( ,f9ancial & ,manag]ial ,factors ( !  
,bo>d ( ,gov]nors 7#ab ,,cfr "p         
#bbe--;app5dix ,c74  4  ,pass$ ! ,h\se (
 ,repres5tatives ,april #ad1            
#bjaf4;,cl]k4