,i  #aad? ,,congress  #b;d ,session  ,h4
 ,r4 #effj  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,july #g1 #bjaf,mr4   
,williams 7= himself & ,ms4 ,moore7     
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,a 
,,bill  ,to am5d ! ,f$]al ,deposit      
,insurance ,act to provide t ! /able    
retail deposits ( an insur$ depository  
in/itution are n consid]$ to be funds   
obta9$ by or ?r\gh a deposit brok]1 & = 
o!r purposes4  #a4 ,%ort title ,?is ,act
 may be cit$ z ! ,retail ,*eck+ ,acc\nt 
,protection ,act ( #bjaf4  #b4 ,limit$  
exception = /able retail deposits  7a7  
,9 g5]al ,section #bi ( ! ,f$]al        
,deposit ,insurance ,act 7#ab ,u4,s4,c4 
#ahca;f7 is am5d$ by add+ at ! end !    
foll[+ new subsection3  7i7 ,limit$     
exception = /able retail deposits  7#a7 
,9 g5]al ,/able retail deposits ( an    
insur$ depository in/itution %all n be  
consid]$ to be funds obta9$1 directly or
 indirectly1 by or ?r\gh a deposit      
brok]4  7#b7 ,rule ( con/ruction ,no?+ 9

 ?is subsection %all be con/ru$ to limit
 ! au?ority ( ! ,corporation to require1
 on a case-by-case basis1 t an insur$   
depository in/itution t is less ?an     
adequately capitaliz$ 7z def9$ 9 section
 #ch7;b77#a77;,b77 n accept p>ticul>    
types ( deposits ^u f9d+ t ! acceptance 
( su* deposits con/itutes an unsafe or  
uns\nd practice ) respect to su*        
in/itution4  7#c7 ,def9itions ,9 ?is    
subsection3 7,a7 ,/able retail deposit  
,! t]m /able retail deposit means a     
/able retail deposit 7z def9$ "u section
 #cbi4c ( title #ab1 ,code ( ,f$]al     
,regulations1 z 9 effect on ,janu>y #a1 
#bjaf7 t is 9 an acc\nt--  7i7 op5$ by a
 retail cu/om]2 &  7ii7 t is held 9 ! "n
 ( ! retail cu/om]4  7,b7 ,retail cu/om]
 ,! t]m retail cu/om] has ! mean+ giv5 !
 t]m retail cu/om] or c\nt]p>ty "u      
section #cbi4c ( title #ab1 ,code (     
,f$]al ,regulations1 z 9 effect on      
,janu>y #a1 #bjaf4  4  7b7              
,applicability ,no?+ 9 ?is ,act or !    
am5dm5t made by ?is ,act %all be con/ru$

 to limit ! application ( any provision 
( ! ,f$]al ,deposit ,insurance ,act1 o!r
 ?an section #bi ( su* ,act 7#ab        
,u4,s4,c4 #ahca;f71 to an insur$        
depository in/itution 7z def9$ 9 section
 #c ( su* ,act 7#ab ,u4,s4,c4 #ahac774