#aad? ,,congress  #b;d ,session  ,h4 ,r4
 #fcib  ,,an ,,act  ,to am5d !          
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act to specify :5 
bank hold+ companies may be subject to  
c]ta9 enhanc$ sup]vision1 & = o!r       
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,sy/emic ,risk ,designation
 ,improvem5t ,act ( #bjaf4  #b4 ,table (
 cont5ts ,! table ( cont5ts = !         
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecja et seq47 is am5d$ by /rik+ ! item
 relat+ to section #aac & ins]t+ !      
foll[+3  ,sec4 #aac4 ,au?ority to       
require enhanc$ sup]vision & regulation 
( c]ta9 nonbank f9ancial companies &    
c]ta9 bank hold+ companies4  4  #c4     
,revisions to c\ncil au?ority  7a7      
,purposes & duties ,section #aab ( !    
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecbb7 is am5d$ 9 subsection           
7a77#b77;,i7 by ins]t+ be=e ! semicolon 
1 :i* h be5 ! subject ( a f9al          

det]m9ation "u section #aac4  7b7 ,bank 
hold+ company designation ,section #aac 
( ! ,dodd-,frank ,wall ,/reet ,re=m &   
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecbc7 is am5d$--  7#a7 by am5d+ !     
head+ = su* section to read z foll[s3   
,au?ority to require enhanc$ sup]vision 
& regulation ( c]ta9 nonbank f9ancial   
companies & c]ta9 bank hold+ companies2 
7#b7 by r$esignat+ subsections 7c71 7d71
 7e71 7f71 7g71 7h71 & 7i7 z subsections
 7d71 7e71 7f71 7g71 7h71 7i71 & 7j71   
respectively2  7#c7 by ins]t+ aft]      
subsection 7b7 ! foll[+3  7c7 ,bank     
hold+ companies subject to enhanc$      
sup]vision & prud5tial /&>ds "u section 
#afe  7#a7 ,det]m9ation ,! ,c\ncil1 on a
 nondelegable basis & by a vote ( n few]
 ?an #bc ( ! vot+ memb]s !n s]v+1       
includ+ an affirmative vote by !        
,*airp]son1 may det]m9e t a bank hold+  
company %all be subject to enhanc$      
sup]vision & prud5tial /&>ds by ! ,bo>d 
( ,gov]nors1 9 accordance ) section     
#afe1 if ! ,c\ncil det]m9es1 bas$ on !  

consid]ations 9 p>agraph 7#b71 t mat]ial
 f9ancial di/ress at ! bank hold+       
company1 or ! nature1 scope1 size1      
scale1 conc5tration1 int]connect$ness1  
or mix ( ! activities ( ! bank hold+    
company1 c\ld pose a ?reat to ! f9ancial
 /ability ( ! ,unit$ ,/ates4  7#b7      
,consid]ations ,9 mak+ a det]m9ation "u 
p>agraph 7#a71 ! ,c\ncil %all use !     
indicator-bas$ measurem5t approa*       
e/abli%$ by ! ,basel ,committee on      
,bank+ ,sup]vision to det]m9e sy/emic   
importance1 :i* consid]s-- 7,a7 ! size (
 ! bank hold+ company2  7,b7 !          
int]connect$ness ( ! bank hold+ company2
  7,c7 ! ext5t ( readily available      
sub/itutes or f9ancial in/itution       
infra/ructure = ! s]vices ( ! bank hold+
 company2  7,d7 ! global                
cross-jurisdictional activity ( ! bank  
hold+ company2 &  7,e7 ! complexity ( ! 
bank hold+ company4  7#c7 ,g,s,i,bs     
designat$ by op]ation ( law ,not)/&+ any
 o!r provision ( ?is subsection1 a bank 
hold+ company t is designat$1 z ( ! date

 ( enactm5t ( ?is subsection1 z a       
,global ,sy/emically ,important ,bank by
 ! ,f9ancial ,/ability ,bo>d %all be    
deem$ to h be5 ! subject ( a f9al       
det]m9ation "u p>agraph 7#a74  2  7#d7 9
 subsection 7d71 z s r$esignat$--  7,a7 
9 p>agraph 7#a77;,a71 by /rik+          
subsection 7a77#b7 or 7b77#b7 & ins]t+  
subsection 7a77#b71 7b77#b71 or 7c77#b72
 &  7,b7 9 p>agraph 7#d71 by /rik+      
,subsections 7d7 ?r\gh 7h7 & ins]t+     
,subsections 7e7 ?r\gh 7i72  7#e7 9     
subsections 7e71 7f71 7g71 7h71 7i71 &  
7j7-- 7,a7 by /rik+ subsections 7a7 &   
7b7 ea* place su* t]m appe>s & ins]t+   
subsections 7a71 7b71 & 7c72 &  7,b7 by 
/rik+ nonbank f9ancial company ea* place
 su* t]m appe>s & ins]t+ bank hold+     
company = :i* !re has be5 a det]m9ation 
"u subsection 7c7 or nonbank f9ancial   
company2  7#f7 9 subsection 7g71 z s    
r$esignat$1 by /rik+ subsection 7e7 &   
ins]t+ subsection 7f72  7#g7 9          
subsection 7h71 z s r$esignat$1 by /rik+
 subsection 7a71 7b71 or 7c7 & ins]t+   

subsection 7a71 7b71 7c71 or 7d72 &     
7#h7 9 subsection 7i71 z s r$esignat$1  
by /rik+ subsection 7d77#b71 7e77#c71 or
 7f77#e7 & ins]t+ subsection 7e77#b71   
7f77#c71 or 7g77#e74  7c7 ,enhanc$      
sup]vision ,section #aae ( !            
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecbe7 is am5d$-- 7#a7 9 subsection    
7a77#a71 by /rik+ l>ge1 int]connect$    
bank hold+ companies & ins]t+ bank hold+
 companies :i* h be5 ! subject ( a f9al 
det]m9ation "u section #aac2  7#b7 9    
subsection 7a77#b7-- 7,a7 9 subp>agraph 
7,a71 by /rik+ 2 or at ! end & ins]t+ a 
p]iod2  7,b7 by /rik+ ! ,c\ncil may &   
all t foll[s ?r\gh diff]5tiate & ins]t+ 
! ,c\ncil may diff]5tiate2 &  7,c7 by   
/rik+ subp>agraph 7,b72 &  7#c7 9       
subsection 7b77#c71 by /rik+ subsections
 7a7 & 7b7 ( section #aac ea* place su* 
t]m appe>s & ins]t+ subsections 7a71    
7b71 & 7c7 ( section #aac4  7d7 ,reports
 ,section #aaf7;a7 ( ! ,dodd-,frank     
,wall ,/reet ,re=m & ,consum]           

,protection ,act 7#ab ,u4,s4,c4         
#ecbf7;a77 is am5d$ by /rik+ ) total    
consolidat$ assets ( #ej1jjj1jjj1jjj or 
great] & ins]t+ :i* has be5 ! subject ( 
a f9al det]m9ation "u section #aac4  7e7
 ,mitigation ,section #aba ( !          
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecca7 is am5d$-- 7#a7 9 subsection    
7a71 by /rik+ ) total consolidat$ assets
 ( #ej1jjj1jjj1jjj or m & ins]t+ :i* has
 be5 ! subject ( a f9al det]m9ation "u  
section #aac2 &  7#b7 9 subsection 7c71 
by /rik+ subsection 7a7 or 7b7 ( section
 #aac & ins]t+ subsection 7a71 7b71 or  
7c7 ( section #aac4  7f7 ,(fice (       
f9ancial rese>* ,section #aee ( !       
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecde7 is am5d$ 9 subsection 7d7 by    
/rik+ ) total consolidat$ assets (      
#ej1jjj1jjj1jjj or great] & ins]t+ :i* h
 be5 ! subject ( a f9al det]m9ation "u  
section #aac4  #d4 ,revisions to ,bo>d  
au?ority  7a7 ,acquisitions ,section    

#afc ( ! ,dodd-,frank ,wall ,/reet ,re=m
 & ,consum] ,protection ,act 7#ab       
,u4,s4,c4 #ecfc7 is am5d$ by /rik+ )    
total consolidat$ assets equal to or    
great] ?an #ej1jjj1jjj1jjj ea* place su*
 t]m appe>s & ins]t+ :i* has be5 !      
subject ( a f9al det]m9ation "u section 
#aac4  7b7 ,managem5t int]locks ,section
 #afd ( ! ,dodd-,frank ,wall ,/reet     
,re=m & ,consum] ,protection ,act 7#ab  
,u4,s4,c4 #ecfd7 is am5d$ by /rik+ )    
total consolidat$ assets equal to or    
great] ?an #ej1jjj1jjj1jjj & ins]t+ :i* 
has be5 ! subject ( a f9al det]m9ation  
"u section #aac4  7c7 ,enhanc$          
sup]vision & prud5tial /&>ds ,section   
#afe ( ! ,dodd-,frank ,wall ,/reet ,re=m
 & ,consum] ,protection ,act 7#ab       
,u4,s4,c4 #ecfe7 is am5d$-- 7#a7 9      
subsection 7a71 by /rik+ ) total        
consolidat$ assets equal to or great]   
?an #ej1jjj1jjj1jjj & ins]t+ :i* h be5 !
 subject ( a f9al det]m9ation "u section
 #aac2  7#b7 9 subsection 7a77#b7-- 7,a7
 by /rik+ 7,a7 ,9 g5]al4--2 &  7,b7 by  

/rik+ subp>agraph 7,b72  7#c7 by /rik+  
subsections 7a7 & 7b7 ( section #aac ea*
 place su* t]m appe>s & ins]t+          
subsections 7a71 7b71 & 7c7 ( section   
#aac2 &  7#d7 9 subsection 7j71 by /rik+
 ) total consolidat$ assets equal to or 
great] ?an #ej1jjj1jjj1jjj & ins]t+ :i* 
has be5 ! subject ( a f9al det]m9ation  
"u section #aac4  7d7 ,con=m+ ,am5dm5t  
,! second subsection 7s7 7relat+ to     
,assessm5ts1 ,fees1 & ,o!r ,*>ges =     
,c]ta9 ,companies7 ( section #aa ( !    
,f$]al ,res]ve ,act 7#ab ,u4,s4,c4 #bdh7
 is am5d$--  7#a7 by r$esignat+ su*     
subsection z subsection 7t72 &  7#b7 9  
p>agraph 7#b7--  7,a7 9 subp>agraph     
7,a71 by /rik+ hav+ total consolidat$   
assets ( #ej1jjj1jjj1jjj or m2 & ins]t+ 
:i* h be5 ! subject ( a f9al det]m9ation
 "u section #aac ( ! ,dodd-,frank ,wall 
,/reet ,re=m & ,consum] ,protection     
,act2 &2  7,b7 by /rik+ subp>agraph     
7,b72 &  7,c7 by r$esignat+ subp>agraph 
7,c7 z subp>agraph 7,b74  #e4 ,effective
 date2 rule ( application  7a7          

,effective date ,! ,f9ancial ,/ability  
,ov]sight ,c\ncil may beg9 proce$+s )   
respect to a bank hold+ company "u      
section #aac7;c77#a7 ( ! ,dodd-,frank   
,wall ,/reet ,re=m & ,consum]           
,protection ,act1 z add$ by ?is ,act1 on
 ! date ( ! enactm5t ( ?is ,act1 b may n
 make a f9al det]m9ation "u su* section 
#aac7;c77#a7 ) respect to a bank hold+  
company be=e ! end ( ! #a-ye> p]iod     
beg9n+ on ! date ( ! enactm5t ( ?is     
,act4  7b7 ,imm$iate application to l>ge
 bank hold+ companies ,dur+ ! #a-ye>    
p]iod describ$ "u subsection 7a71 a bank
 hold+ company ) total consolidat$      
assets equal to or great] ?an           
#ej1jjj1jjj1jjj %all be deem$ to h be5 !
 subject ( a f9al det]m9ation "u section
 #aac7;c77#a7 ( ! ,dodd-,frank ,wall    
,/reet ,re=m & ,consum] ,protection     
,act4  #f4 ,exi/+ assessm5t t]m9ation   
s*$ule  7a7 ,tempor>y ext5sion ( exi/+  
assessm5t  7#a7 ,9 g5]al ,ea* bank hold+
 company ) total consolidat$ assets     
equal to or great] ?an #ej1jjj1jjj1jjj &

 :i* has n be5 ! subject ( a f9al       
det]m9ation "u section #aac ( !         
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecbc7 %all be subject to assessm5ts by
 ! ,secret>y ( ! ,treasury to ! same    
ext5t z a bank hold+ company t has be5  
subject to su* a f9al det]m9ation4  7#b7
 ,limitation on am\nt ( assessm5ts ,!   
aggregate am\nt collect$ pursuant to    
p>agraph 7#a7 f all bank hold+ companies
 assess$ "u su* p>agraph %all be        
#aae1jjj1jjj4  7#c7 ,exp$it$ assessm5ts 
,if necess>y1 ! ,secret>y ( ! ,treasury 
%all exp$ite assessm5ts made pursuant to
 p>agraph 7#a7 to ensure t all          
#aae1jjj1jjj ( assessm5ts p]mitt$ by    
p>agraph 7#b7 is collect$ be=e fiscal   
ye> #bjah4  7#d7 ,paym5t p]iod options  
,! ,secret>y ( ! ,treasury %all (f] !   
option ( paym5ts spread out be=e ! end (
 fiscal ye> #bjah1 or %ort] p]iods      
includ+ ! option ( a "o-"t paym5t1 at ! 
discretion ( ea* bank hold+ company pay+
 assessm5ts pursuant to p>agraph 7#a74  

7#e7 ,assessm5ts to be made 9 addition  
to any o!r assessm5ts ,! assessm5ts     
collect$ pursuant to p>agraph 7#a7 %all 
be 9 addition to1 & n z a replacem5t (1 
any assessm5ts requir$ "u any o!r law4  
7b7 ,use ( assessm5ts ,( ! total am\nt  
collect$ pursuant to subsection 7a7--   
7#a7 #fj1jjj1jjj %all be transf]r$ to ! 
,f9ancial ,/ability ,ov]sight ,c\ncil to
 pay = any adm9i/rative co/s result+ f  
?is ,act & ! am5dm5ts made by ?is ,act1 
( :i* ! ,f9ancial ,/ability ,ov]sight   
,c\ncil %all di/ribute #bj1jjj1jjj to ! 
,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve    
,sy/em1 #bj1jjj1jjj to ! ,f$]al ,deposit
 ,insurance ,corporation1 & #bj1jjj1jjj 
to ! g5]al fund ( ! ,treasury2 &  7#b7  
#ee1jjj1jjj %all be transf]r$ to !      
,f$]al ,deposit ,insurance ,corporation 
to pay = any resolution co/s result+ f  
?is ,act & ! am5dm5ts made by ?is ,act4 
7c7 ,treatm5t ^u det]m9ation ,a bank    
hold+ company assess$ "u ?is section    
%all no long] be subject to su*         
assessm5ts 9 ! ev5t x is subject to a   

f9al det]m9ation "u section #aac ( !    
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecbc74 ,any prior paym5ts made by su* 
a bank+ hold+ company pursuant to an    
assessm5t "u ?is section %all be        
nonrefundable4  7d7 ,rule ( con/ruction 
,a bank hold+ company deem$ to h be5 !  
subject ( a f9al det]m9ation "u section 
#aac ( ! ,dodd-,frank ,wall ,/reet ,re=m
 & ,consum] ,protection ,act 7#ab       
,u4,s4,c4 #ecbc7 "u section #e7;b7 %all 
n be subject to assessm5ts "u subsection
 7a7 solely by op]ation ( section       
#e7;b74  #g4 ,rule ( con/ruction ,no?+ 9
 ?is ,act or ! am5dm5ts made by ?is ,act
 may be con/ru$ z broadly apply+        
int]national /&>ds except z specifically
 provid$ "u p>agraphs 7#b7 & 7#c7 (     
section #aac7;c7 ( ! ,dodd-,frank ,wall 
,/reet ,re=m & ,consum] ,protection     
,act1 z add$ by section #c4  ,pass$ !   
,h\se ( ,repres5tatives ,decemb] #a1    
#bjaf4;,cl]k4