,,ii ,cal5d> ,no4 #agf #aad? ,,congress #a/ ,session ,s4 #aiaj ,report ,no4 #aad-ig ,,9 ,,! ,,s5ate ,,( ,,! ,,unit$ ,,/ates ,july #cj1 #bjae,mr4 ,boozman1 f ! ,committee on ,appropriations1 report$ ! foll[+ orig9al bill2 :i* 0 read twice & plac$ on ! cal5d> ,a ,,bill ,mak+ appropriations = f9ancial s]vices & g5]al gov]nm5t = ! fiscal ye> end+ ,septemb] #cj1 #bjaf1 & = o!r purposes4 ,t ! foll[+ sums are appropriat$1 out ( any money 9 ! ,treasury n o!rwise appropriat$1 = f9ancial s]vices & g5]al gov]nm5t = ! fiscal ye> end+ ,septemb] #cj1 #bjaf1 & = o!r purposes1 namely3 ,i ,,dep>tm5t ,,( ,,! ,,treasury ,dep>tm5tal ,(fices sal>ies & exp5ses ,= necess>y exp5ses ( ! ,dep>tm5tal ,(fices includ+ op]ation & ma9t5ance ( ! ,treasury ,build+ & ,annex2 hire ( pass5g] motor vehicles2 ma9t5ance1 repairs1 & improvem5ts (1 & pur*ase ( comm]cial insurance policies =1 real prop]ties leas$ or own$ ov]seas1 :5 necess>y = ! p]=mance ( (ficial bus9ess2 executive direction program activities2 int]national affairs & economic policy activities2 dome/ic f9ance & tax policy activities1 includ+ te*nical assi/ance to ,/ate & local gov]nm5ts2 t]rorism & f9ancial intellig5ce activities2 & ,treasury-wide managem5t policies & programs activities1 #cbe1ijj1jjj3 ,provid$1 ,t ( ! am\nt appropriat$ "u ?is head+-- 7#a7 n less ?an #aab1ejj1jjj is = ! ,(fice ( ,t]rorism & ,f9ancial ,intellig5ce to safegu>d ! f9ancial sy/em aga9/ illicit use & to combat rogue nations1 t]rori/ facilitators1 weapons ( mass de/ruction prolif]ators1 money laund]]s1 drug k+p9s1 & o!r national security ?reats2 7#b7 n to exce$ #cej1jjj is = (ficial reception & repres5tation exp5ses2 7#c7 n to exce$ #beh1jjj is = un=ese5 em]g5cies ( a confid5tial nature to be allocat$ & exp5d$ "u ! direction ( ! ,secret>y ( ! ,treasury & to be acc\nt$ = solely on ! ,secret>y's c]tificate2 & 7#d7 n to exce$ #be1bjj1jjj %all rema9 available until ,septemb] #cj1 #bjag1 =-- 7,a7 ! ,treasury-wide ,f9ancial ,/atem5t ,audit & ,int]nal ,control ,program2 7,b7 in=mation te*nology mod]nization requirem5ts2 7,c7 ! audit1 ov]sight1 & adm9i/ration ( ! ,gulf ,coa/ ,re/oration ,tru/ ,fund2 7,d7 ! developm5t & implem5tation ( programs )9 ! ,(fice ( ,critical ,infra/ructure ,protection & ,compliance ,policy1 includ+ ent]+ into coop]ative agreem5ts2 & 7,e7 secure space requirem5ts4 ,dep>tm5t-,wide sy/ems & capital inve/m5ts programs 7includ+ transf] ( funds7 ,= developm5t & acquisition ( automatic data process+ equipm5t1 s(tw>e1 & s]vices & = repairs & r5ovations to build+s own$ by ! ,dep>tm5t ( ! ,treasury1 #e1jjj1jjj1 to rema9 available until ,septemb] #cj1 #bjah3 ,provid$1 ,t ^! funds %all be transf]r$ to acc\nts & 9 am\nts z necess>y to satisfy ! requirem5ts ( ! ,dep>tm5t's (fices1 bureaus1 & o!r organizations3 ,provid$ fur!r1 ,t ?is transf] au?ority %all be 9 addition to any o!r transf] au?ority provid$ 9 ?is ,act3 ,provid$ fur!r1 ,t none ( ! funds appropriat$ "u ?is head+ %all be us$ to support or supplem5t ,int]nal ,rev5ue ,s]vice1 ,op]ations ,support or ,int]nal ,rev5ue ,s]vice1 ,bus9ess ,sy/ems ,mod]nization4 ,(fice ( inspector g5]al ,sal>ies & exp5ses ,= necess>y exp5ses ( ! ,(fice ( ,inspector ,g5]al 9 c>ry+ out ! provisions ( ! ,inspector ,g5]al ,act ( #aigh1 #ce1daf1jjj1 includ+ hire ( pass5g] motor vehicles2 ( :i* n to exce$ #ajj1jjj %all be available = un=ese5 em]g5cies ( a confid5tial nature1 to be allocat$ & exp5d$ "u ! direction ( ! ,inspector ,g5]al ( ! ,treasury2 ( :i* up to #b1hjj1jjj to rema9 available until ,septemb] #cj1 #bjag1 %all be = audits & inve/igations conduct$ pursuant to section #afjh ( ! ,res\rces & ,ecosy/ems ,su/a9ability1 ,t\ri/ ,opportunities1 & ,reviv$ ,economies ( ! ,gulf ,coa/ ,/ates ,act ( #bjab 7#cc ,u4,s4,c4 #acba note72 & ( :i* n to exce$ #a1jjj %all be available = (ficial reception & repres5tation exp5ses4 ,treasury inspector g5]al = tax adm9i/ration ,sal>ies & exp5ses ,= necess>y exp5ses ( ! ,treasury ,inspector ,g5]al = ,tax ,adm9i/ration 9 c>ry+ out ! ,inspector ,g5]al ,act ( #aigh1 z am5d$1 includ+ pur*ase & hire ( pass5g] motor vehicles 7#ca ,u4,s4,c4 #acdc7;b772 & s]vices au?oriz$ by #e ,u4,s4,c4 #caji1 at su* rates z may be det]m9$ by ! ,inspector ,g5]al = ,tax ,adm9i/ration2 #afg1bge1jjj1 ( :i* #e1jjj1jjj %all rema9 available until ,septemb] #cj1 #bjag2 ( :i* n to exce$ #f1jjj1jjj %all be available = (ficial travel exp5ses2 ( :i* n to exce$ #ejj1jjj %all be available = un=ese5 em]g5cies ( a confid5tial nature1 to be allocat$ & exp5d$ "u ! direction ( ! ,inspector ,g5]al = ,tax ,adm9i/ration2 & ( :i* n to exce$ #a1ejj %all be available = (ficial reception & repres5tation exp5ses4 ,special ,inspector ,g5]al = ! ,tr\bl$ ,asset ,relief ,program ,sal>ies & exp5ses ,= necess>y exp5ses ( ! ,(fice ( ! ,special ,inspector ,g5]al 9 c>ry+ out ! provisions ( ! ,em]g5cy ,economic ,/abilization ,act ( #bjjh 7,public ,law #aaj-cdc71 #cf1fga1jjj4 ,f9ancial crimes en=cem5t network sal>ies & exp5ses ,= necess>y exp5ses ( ! ,f9ancial ,crimes ,en=cem5t ,network1 includ+ hire ( pass5g] motor vehicles2 travel & tra9+ exp5ses ( non-,f$]al & =eign gov]nm5t p]sonnel to att5d meet+s & tra9+ conc]n$ ) dome/ic & =eign f9ancial intellig5ce activities1 law en=cem5t1 & f9ancial regulation2 s]vices au?oriz$ by #e ,u4,s4,c4 #caji2 n to exce$ #aj1jjj = (ficial reception & repres5tation exp5ses2 & = assi/ance to ,f$]al law en=cem5t ag5cies1 ) or )\t reimbursem5t1 #aab1igi1jjj1 ( :i* n to exce$ #cd1cce1jjj %all rema9 available until ,septemb] #cj1 #bjah4 ,treasury ,=feiture ,fund 7rescission7 ,( ! unobligat$ balances available "u ?is head+1 #gjj1jjj1jjj are resc9d$4 ,bureau ( ! ,fiscal ,s]vice ,sal>ies & ,exp5ses ,= necess>y exp5ses ( op]ations ( ! ,bureau ( ! ,fiscal ,s]vice1 #cef1jjj1jjj2 ( :i* n to exce$ #d1baj1jjj1 to rema9 available until ,septemb] #cj1 #bjah1 is = in=mation sy/ems mod]nization initiatives2 ( :i* #e1jjj %all be available = (ficial reception & repres5tation exp5ses2 & ( :i* n to exce$ #ai1hjj1jjj1 to rema9 available until ,septemb] #cj1 #bjah1 is to support ! ,dep>tm5t's activities relat$ to implem5tation ( ! ,digital ,acc\ntability & ,transp>5cy ,act 7,,data ,act2 ,public ,law #aac-aja71 includ+ *anges 9 bus9ess processes1 work=ce1 or in=mation te*nology to support high quality1 transp>5t ,f$]al sp5d+ in=mation4 ,9 addition1 #afe1jjj1 to be d]iv$ f ! ,oil ,spill ,liability ,tru/ ,fund to reimburse adm9i/rative & p]sonnel exp5ses = f9ancial managem5t ( ! ,fund1 z au?oriz$ by section #ajab ( ,public ,law #aja-chj4 ,alcohol & tobacco tax & trade bureau ,sal>ies & exp5ses ,= necess>y exp5ses ( c>ry+ out section #aaaa ( ! ,homel& ,security ,act ( #bjjb1 includ+ hire ( pass5g] motor vehicles1 #aja1dci1jjj2 ( :i* n to exce$ #f1jjj = (ficial reception & repres5tation exp5ses2 n to exce$ #ej1jjj = coop]ative rese>* & developm5t programs = laboratory s]vices2 & provision ( laboratory assi/ance to ,/ate & local ag5cies ) or )\t reimbursem5t4 ,unit$ ,/ates ,m9t unit$ /ates m9t public ent]prise fund ,pursuant to section #eacf ( title #ca1 ,unit$ ,/ates ,code1 ! ,unit$ ,/ates ,m9t is provid$ fund+ ?r\gh ! ,unit$ ,/ates ,m9t ,public ,ent]prise ,fund = co/s associat$ ) ! production ( circulat+ co9s1 numismatic co9s1 & protective s]vices1 includ+ bo? op]at+ exp5ses & capital inve/m5ts3 ,provid$1 ,t ! aggregate am\nt ( new liabilities & obligations incurr$ dur+ fiscal ye> #bjaf "u su* section #eacf = circulat+ co9age & protective s]vice capital inve/m5ts ( ! ,unit$ ,/ates ,m9t %all n exce$ #bj1jjj1jjj4 ,community ,developm5t ,f9ancial ,in/itutions ,fund ,program ,acc\nt ,to c>ry out ! ,riegle ,community ,developm5t & ,regulatory ,improvem5ts ,act ( #aiid 7subtitle ,a ( title ,i ( ,public ,law #ajc-cbe71 includ+ s]vices au?oriz$ by section #caji ( title #e1 ,unit$ ,/ates ,code1 b at rates = individuals n to exce$ ! p] diem rate equival5t to ! rate = ,,ex-#c1 #bba1jjj1jjj4 ,( ! am\nt appropriat$ "u ?is head+-- 7#a7 n less ?an #afa1ijj1jjj1 not)/&+ section #ajh7;e7 ( ,public ,law #ajc-cbe 7#ab ,u4,s4,c4 #dgjg7;e77 ) reg>d to ,small &_/or ,em]g+ ,community ,developm5t ,f9ancial ,in/itutions ,assi/ance aw>ds1 is available until ,septemb] #cj1 #bjag1 = f9ancial assi/ance & te*nical assi/ance "u subp>agraphs 7,a7 & 7,b7 ( section #ajh7;a77#a71 respectively1 ( ,public ,law #ajc-cbe 7#ab ,u4,s4,c4 #dgjg7;a77#a77;,a7 & 7,b771 ( :i* up to #c1ajb1ejj may be us$ = ! co/ ( direct loans3 ,provid$1 ,t ! co/ ( direct & gu>ante$ loans1 includ+ ! co/ ( modify+ su* loans1 %all be z def9$ 9 section #ejb ( ! ,congressional ,budget ,act ( #aigd3 ,provid$ fur!r1 ,t ^! funds are available to subsidize gross obligations = ! pr9cipal am\nt ( direct loans n to exce$ #be1jjj1jjj2 7#b7 n less ?an #ae1jjj1jjj1 not)/&+ section #ajh7;e7 ( ,public ,law #ajc-cbe 7#ab ,u4,s4,c4 #dgjg7;e771 is available until ,septemb] #cj1 #bjag1 = f9ancial assi/ance1 te*nical assi/ance1 tra9+ & outrea* programs design$ to b5efit ,native ,am]ican1 ,native ,hawaiian1 & ,alaskan ,native communities & provid$ prim>ily ?r\gh qualifi$ community developm5t l5d] organizations ) exp]i5ce & exp]tise 9 community developm5t bank+ & l5d+ 9 ,indian c\ntry1 ,native ,am]ican organizations1 tribes & tribal organizations1 & o!r suitable provid]s2 7#c7 n less ?an #ba1jjj1jjj is available until ,septemb] #cj1 #bjag1 = ! ,bank ,ent]prise ,aw>d program2 7#d7 up to #bc1ajj1jjj is available until ,septemb] #cj1 #bjaf1 = adm9i/rative exp5ses1 includ+ adm9i/ration ( ,,cdfi fund programs & ! ,new ,m>kets ,tax ,cr$it ,program1 ( :i* n less ?an #a1jjj1jjj is = capacity build+ to exp& ,,cdfi inve/m5ts 9 und]s]v$ rural areas1 & up to #cjj1jjj is = adm9i/rative exp5ses to c>ry out ! direct loan program2 & 7#e7 dur+ fiscal ye> #bjaf1 none ( ! funds available "u ?is head+ are available = ! co/1 z def9$ 9 section #ejb ( ! ,congressional ,budget ,act ( #aigd1 ( commitm5ts to gu>antee bonds & notes "u section #aad;,a ( ! ,riegle ,community ,developm5t & ,regulatory ,improvem5t ,act ( #aiid 7#ab ,u4,s4,c4 #dgac;a73 ,provid$1 ,t commitm5ts to gu>antee bonds & notes "u su* section #aad;,a %all n exce$ #gej1jjj1jjj3 ,provid$ fur!r1 ,t su* section #aad;,a %all rema9 9 effect until ,septemb] #cj1 #bjaf4 ,int]nal ,rev5ue ,s]vice taxpay] s]vices ,= necess>y exp5ses ( ! ,int]nal ,rev5ue ,s]vice to provide taxpay] s]vices1 includ+ pre-fil+ assi/ance & education1 fil+ & acc\nt s]vices1 taxpay] advocacy s]vices1 & o!r s]vices z au?oriz$ by #e ,u4,s4,c4 #caji1 at su* rates z may be det]m9$ by ! ,commission]1 #b1aef1eed1jjj1 ( :i* n less ?an #e1fjj1jjj %all be = ! ,tax ,c\nsel+ = ! ,eld]ly ,program1 ( :i* n less ?an #ab1jjj1jjj %all be available = l[-income taxpay] cl9ic grants1 & ( :i* n less ?an #ab1jjj1jjj1 to rema9 available until ,septemb] #cj1 #bjag1 %all be available = a ,community ,volunte] ,income ,tax ,assi/ance mat*+ grants program = tax return prep>ation assi/ance1 ( :i* n less ?an #bjf1jjj1jjj %all be available = op]at+ exp5ses ( ! ,taxpay] ,advocate ,s]vice3 ,provid$1 ,t ( ! am\nts made available = ! ,taxpay] ,advocate ,s]vice1 n less ?an #e1jjj1jjj %all be = id5tity !ft casework4 ,9 addition1 #ij1jjj1jjj is available solely = measurable improvem5ts 9 ! cu/om] s]vice repres5tative level ( s]vice rate1 ! numb] ( days to resolve tax refund fraud by id5tity !ft cases1 & ! p]c5tage ( correspond5ce ! ,,irs responds to )9 e/abli%$ timeframes3 ,provid$1 ,t su* funds %all supplem5t & n supplant any o!r am\nts made available to ! ,,irs = su* purposes4 en=cem5t ,= necess>y exp5ses = tax en=cem5t activities ( ! ,int]nal ,rev5ue ,s]vice to det]m9e & collect ow$ taxes1 to provide legal & litigation support1 to conduct crim9al inve/igations1 to en=ce crim9al /atutes relat$ to violations ( int]nal rev5ue laws & o!r f9ancial crimes1 to pur*ase & hire pass5g] motor vehicles 7#ca ,u4,s4,c4 #acdc7;b771 & to provide o!r s]vices z au?oriz$ by #e ,u4,s4,c4 #caji1 at su* rates z may be det]m9$ by ! ,commission]1 #d1ejj1jjj1jjj1 ( :i* n to exce$ #ej1jjj1jjj %all rema9 available until ,septemb] #cj1 #bjag1 & ( :i* n less ?an #eg1dic1jjj %all be = ! ,int]ag5cy ,crime & ,drug ,en=cem5t program4 op]ations support ,= necess>y exp5ses ( ! ,int]nal ,rev5ue ,s]vice to support taxpay] s]vices & en=cem5t programs1 includ+ r5t paym5ts2 facilities s]vices2 pr9t+2 po/age2 physical security2 headqu>t]s & o!r ,,irs-wide adm9i/ration activities2 rese>* & /ati/ics ( income2 telecommunications2 in=mation te*nology developm5t1 enhancem5t1 op]ations1 ma9t5ance1 & security2 ! hire ( pass5g] motor vehicles 7#ca ,u4,s4,c4 #acdc7;b772 & o!r s]vices z au?oriz$ by #e ,u4,s4,c4 #caji1 at su* rates z may be det]m9$ by ! ,commission]2 #c1dfh1ddf1jjj1 ( :i* n to exce$ #ej1jjj1jjj %all rema9 available until ,septemb] #cj1 #bjag2 ( :i* n to exce$ #aj1jjj1jjj %all rema9 available until exp5d$ = acquisition ( equipm5t & con/ruction1 repair & r5ovation ( facilities2 ( :i* n to exce$ #a1jjj1jjj %all rema9 available until ,septemb] #cj1 #bjah1 = rese>*2 ( :i* n to exce$ #a1hej1jjj %all be = ! ,int]nal ,rev5ue ,s]vice ,ov]sight ,bo>d2 ( :i* n to exce$ #bj1jjj %all be = (ficial reception & repres5tation exp5ses3 ,provid$1 ,t n lat] ?an #cj days aft] ! end ( ea* qu>t]1 ! ,int]nal ,rev5ue ,s]vice %all submit a report to ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate & ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates detail+ ! co/ & s*$ule p]=mance = its major in=mation te*nology inve/m5ts1 includ+ ! purpose & life-cycle /ages ( ! inve/m5ts2 ! reasons = any co/ & s*$ule v>iances2 ! risks ( su* inve/m5ts & /rategies ! ,int]nal ,rev5ue ,s]vice is us+ to mitigate su* risks2 & ! expect$ developm5tal mile/ones to be a*iev$ & co/s to be incurr$ 9 ! next qu>t]3 ,provid$ fur!r1 ,t ! ,int]nal ,rev5ue ,s]vice %all include1 9 its budget ju/ification = fiscal ye> #bjag1 a summ>y ( co/ & s*$ule p]=mance in=mation = its major in=mation te*nology sy/ems4 bus9ess sy/ems mod]nization ,= necess>y exp5ses ( ! ,int]nal ,rev5ue ,s]vice's bus9ess sy/ems mod]nization program1 #bfj1jjj1jjj1 to rema9 available until ,septemb] #cj1 #bjah1 = ! capital asset acquisition ( in=mation te*nology sy/ems1 includ+ managem5t & relat$ contractual co/s ( said acquisitions1 includ+ relat$ ,int]nal ,rev5ue ,s]vice labor co/s1 & contractual co/s associat$ ) op]ations au?oriz$ by #e ,u4,s4,c4 #caji3 ,provid$1 ,t n lat] ?an #cj days aft] ! end ( ea* qu>t]1 ! ,int]nal ,rev5ue ,s]vice %all submit a report to ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate & ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates detail+ ! co/ & s*$ule p]=mance = ,,cade #b & ,mod]niz$ e-,file in=mation te*nology inve/m5ts1 includ+ ! purposes & life-cycle /ages ( ! inve/m5ts2 ! reasons = any co/ & s*$ule v>iances2 ! risks ( su* inve/m5ts & ! /rategies ! ,int]nal ,rev5ue ,s]vice is us+ to mitigate su* risks2 & ! expect$ developm5tal mile/ones to be a*iev$ & co/s to be incurr$ 9 ! next qu>t]4 adm9i/rative provisions--int]nal rev5ue s]vice 7includ+ transf] ( funds7 #aja4 ,n to exce$ #e p]c5t ( any appropriation made available 9 ?is ,act to ! ,int]nal ,rev5ue ,s]vice may be transf]r$ to any o!r ,int]nal ,rev5ue ,s]vice appropriation ^u ! advance approval ( ! ,committees on ,appropriations4 #ajb4 ,! ,int]nal ,rev5ue ,s]vice %all ma9ta9 an employee tra9+ program1 :i* %all include ! foll[+ topics3 taxpay]s' rights1 deal+ c\rte\sly ) taxpay]s1 cross-cultural relations1 e?ics1 & ! imp>tial application ( tax law4 #ajc4 ,! ,int]nal ,rev5ue ,s]vice %all in/itute & en=ce policies & proc$ures t w safegu>d ! confid5tiality ( taxpay] in=mation & protect taxpay]s aga9/ id5tity !ft4 #ajd4 ,funds made available by ?is or any o!r ,act to ! ,int]nal ,rev5ue ,s]vice %all be available = improv$ facilities & increas$ /aff+ to provide suffici5t & effective #a-hjj help l9e s]vice = taxpay]s4 ,! ,commission] %all cont9ue to make improvem5ts to ! ,int]nal ,rev5ue ,s]vice #a-hjj help l9e s]vice a priority & allocate res\rces necess>y to enhance ! response "t to taxpay] communications1 p>ticul>ly ) reg>d to victims ( tax-relat$ crimes4 #aje4 ,none ( ! funds made available to ! ,int]nal ,rev5ue ,s]vice by ?is ,act may be us$ to make a video unless ! ,s]vice-,wide ,video ,editorial ,bo>d det]m9es 9 advance t mak+ ! video is appropriate1 tak+ into acc\nt ! co/1 topic1 tone1 & purpose ( ! video4 #ajf4 ,! ,int]nal ,rev5ue ,s]vice %all issue a notice ( confirmation ( any address *ange relat+ to an employ] mak+ employm5t tax paym5ts1 & su* notice %all be s5t to bo? ! employ]'s =m] & new address & an (fic] or employee ( ! ,int]nal ,rev5ue ,s]vice %all give special consid]ation to an (f]-9-compromise f a taxpay] :o has be5 ! victim ( fraud by a ?ird p>ty payroll tax prep>]4 #ajg4 ,none ( ! funds made available "u ?is ,act may be us$ by ! ,int]nal ,rev5ue ,s]vice to t>get citiz5s ( ! ,unit$ ,/ates = ex]cis+ any "r gu>ante$ "u ! ,fir/ ,am5dm5t to ! ,con/itution ( ! ,unit$ ,/ates4 #ajh4 ,none ( ! funds made available 9 ?is ,act may be us$ by ! ,int]nal ,rev5ue ,s]vice to t>get gr\ps = regulatory scrut9y bas$ on _! ideological beliefs4 #aji4 ,none ( funds made available by ?is ,act to ! ,int]nal ,rev5ue ,s]vice %all be obligat$ or exp5d$ on conf]5ces t d n adh]e to ! proc$ures1 v]ification processes1 docum5tation requirem5ts1 & policies issu$ by ! ,*ief ,f9ancial ,(fic]1 ,human ,capital ,(fice1 & ,ag5cy-,wide ,%>$ ,s]vices z a result ( ! recomm5dations 9 ! report publi%$ on ,may #ca1 #bjac1 by ! ,treasury ,inspector ,g5]al = ,tax ,adm9i/ration entitl$ ,review ( ! ,augu/ #bjaj ,small ,bus9ess_/,self-,employ$ ,division's ,conf]5ce 9 ,anaheim1 ,cali=nia 7,ref]5ce ,numb] #bjac-aj-jcg74 #aaj4 ,none ( ! funds made available by ?is ,act may be us$ 9 contrav5tion ( section #fajc ( ! ,int]nal ,rev5ue ,code ( #aihf 7relat+ to confid5tiality & disclosure ( returns & return in=mation74 #aaa4 ,none ( ! funds made available 9 ?is ,act to ! ,int]nal ,rev5ue ,s]vice may be obligat$ or exp5d$-- 7#a7 to make a paym5t to any employee "u a bonus1 aw>d1 or recognition program2 or 7#b7 "u any hir+ or p]sonnel selection process ) respect to re-hir+ a =m] employee1 unless su* program or process takes into acc\nt ! conduct & ,f$]al tax compliance ( su* employee or =m] employee4 ,adm9i/rative provisions--,dep>tm5t ( ! ,treasury 7includ+ transf]s ( funds7 #aab4 ,appropriations to ! ,dep>tm5t ( ! ,treasury 9 ?is ,act %all be available = uni=ms or all[ances !re=1 z au?oriz$ by law 7#e ,u4,s4,c4 #eija71 includ+ ma9t5ance1 repairs1 & clean+2 pur*ase ( insurance = (ficial motor vehicles op]at$ 9 =eign c\ntries2 pur*ase ( motor vehicles )\t reg>d to ! g5]al pur*ase price limitations = vehicles pur*as$ & us$ ov]seas = ! curr5t fiscal ye>2 ent]+ into contracts ) ! ,dep>tm5t ( ,/ate = ! furni%+ ( heal? & m$ical s]vices to employees & _! dep5d5ts s]v+ 9 =eign c\ntries2 & s]vices au?oriz$ by #e ,u4,s4,c4 #caji4 #aac4 ,n to exce$ #b p]c5t ( any appropriations 9 ?is title made available "u ! head+s ,dep>tm5tal ,(fices--,sal>ies & ,exp5ses1 ,(fice ( ,inspector ,g5]al1 ,special ,inspector ,g5]al = ! ,tr\bl$ ,asset ,relief ,program1 ,f9ancial ,crimes ,en=cem5t ,network1 ,bureau ( ! ,fiscal ,s]vice1 & ,alcohol & ,tobacco ,tax & ,trade ,bureau may be transf]r$ betwe5 su* appropriations ^u ! advance approval ( ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate3 ,provid$1 ,t no transf] "u ?is section may increase or decrease any su* appropriation by m ?an #b p]c5t4 #aad4 ,n to exce$ #b p]c5t ( any appropriation made available 9 ?is ,act to ! ,int]nal ,rev5ue ,s]vice may be transf]r$ to ! ,treasury ,inspector ,g5]al = ,tax ,adm9i/ration's appropriation ^u ! advance approval ( ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate3 ,provid$1 ,t no transf] may increase or decrease any su* appropriation by m ?an #b p]c5t4 #aae4 ,none ( ! funds appropriat$ 9 ?is ,act or o!rwise available to ! ,dep>tm5t ( ! ,treasury or ! ,bureau ( ,engrav+ & ,pr9t+ may be us$ to r$esign ! #a ,f$]al ,res]ve note4 #aaf4 ,! ,secret>y ( ! ,treasury may transf] funds f ! ,bureau ( ! ,fiscal ,s]vice-,sal>ies & ,exp5ses to ! ,debt ,collection ,fund z necess>y to cov] ! co/s ( debt collection3 ,provid$1 ,t su* am\nts %all be reimburs$ to su* sal>ies & exp5ses acc\nt f debt collections receiv$ 9 ! ,debt ,collection ,fund4 #aag4 ,none ( ! funds appropriat$ or o!rwise made available by ?is or any o!r ,act may be us$ by ! ,unit$ ,/ates ,m9t to con/ruct or op]ate any museum )\t ! explicit approval ( ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate1 ! ,h\se ,committee on ,f9ancial ,s]vices1 & ! ,s5ate ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs4 #aah4 ,none ( ! funds appropriat$ or o!rwise made available by ?is or any o!r ,act or s\rce to ! ,dep>tm5t ( ! ,treasury1 ! ,bureau ( ,engrav+ & ,pr9t+1 & ! ,unit$ ,/ates ,m9t1 individually or collectively1 may be us$ to consolidate any or all functions ( ! ,bureau ( ,engrav+ & ,pr9t+ & ! ,unit$ ,/ates ,m9t )\t ! explicit approval ( ! ,h\se ,committee on ,f9ancial ,s]vices2 ! ,s5ate ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs2 & ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate4 #aai4 ,funds appropriat$ by ?is ,act1 or made available by ! transf] ( funds 9 ?is ,act1 = ! ,dep>tm5t ( ! ,treasury's intellig5ce or intellig5ce relat$ activities are deem$ to be specifically au?oriz$ by ! ,congress = purposes ( section #ejd ( ! ,national ,security ,act ( #aidg 7#ej ,u4,s4,c4 #dad7 dur+ fiscal ye> #bjaf until ! enactm5t ( ! ,intellig5ce ,au?orization ,act = ,fiscal ,ye> #bjaf4 #abj4 ,n to exce$ #e1jjj %all be made available f ! ,bureau ( ,engrav+ & ,pr9t+'s ,indu/rial ,revolv+ ,fund = necess>y (ficial reception & repres5tation exp5ses4 #aba4 ,! ,secret>y ( ! ,treasury %all submit a ,capital ,inve/m5t ,plan to ! ,committees on ,appropriations ( ! ,s5ate & ! ,h\se ( ,repres5tatives n lat] ?an #cj days foll[+ ! submission ( ! annual budget submitt$ by ! ,presid5t3 ,provid$1 ,t su* ,capital ,inve/m5t ,plan %all include capital inve/m5t sp5d+ f all acc\nts )9 ! ,dep>tm5t ( ! ,treasury1 includ+ b n limit$ to ! ,dep>tm5t-wide ,sy/ems & ,capital ,inve/m5t ,programs acc\nt1 ,treasury ,fran*ise ,fund acc\nt1 & ! ,treasury ,=feiture ,fund acc\nt3 ,provid$ fur!r1 ,t su* ,capital ,inve/m5t ,plan %all include exp5ditures occurr+ 9 previ\s fiscal ye>s = ea* capital inve/m5t project t has n be5 fully complet$4 #abb4 7a7 ,n lat] ?an #fj days aft] ! end ( ea* qu>t]1 ! ,(fice ( ,f9ancial ,/ability & ! ,(fice ( ,f9ancial ,rese>* %all submit reports on _! activities to ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate1 ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives & ! ,s5ate ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs4 7b7 ,! reports requir$ "u subsection 7a7 %all include-- 7#a7 ! obligations made dur+ ! previ\s qu>t] by object class1 (fice1 & activity2 7#b7 ! e/imat$ obligations = ! rema9d] ( ! fiscal ye> by object class1 (fice1 & activity2 7#c7 ! numb] ( full-"t equival5ts )9 ea* (fice dur+ ! previ\s qu>t]2 7#d7 ! e/imat$ numb] ( full-"t equival5ts )9 ea* (fice = ! rema9d] ( ! fiscal ye>2 & 7#e7 actions tak5 to a*ieve ! goals1 objectives1 & p]=mance measures ( ea* (fice4 7c7 ,at ! reque/ ( any su* ,committees specifi$ 9 subsection 7a71 ! ,(fice ( ,f9ancial ,/ability & ! ,(fice ( ,f9ancial ,rese>* %all make (ficials available to te/ify on ! cont5ts ( ! reports requir$ "u subsection 7a74 #abc4 ,)9 #de days aft] ! date ( enactm5t ( ?is ,act1 ! ,secret>y ( ! ,treasury %all submit an itemiz$ report to ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate on ! am\nt ( total funds *>g$ to ea* (fice by ! ,fran*ise ,fund includ+ ! am\nt *>g$ = ea* s]vice provid$ by ! ,fran*ise ,fund to ea* (fice1 a detail$ description ( ! s]vices1 a detail$ explanation ( h[ ea* *>ge = ea* s]vice is calculat$1 & a description ( ! role cu/om]s h 9 gov]n+ 9 ! ,fran*ise ,fund4 #abd4 ,! ,secret>y ( ! ,treasury1 9 consultation ) ! appropriate ag5cies1 dep>tm5ts1 bureaus1 & commissions t h exp]tise 9 t]rorism & complex f9ancial in/rum5ts1 %all provide a report to ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ,s5ate1 ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives1 & ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate n lat] ?an #ij days aft] ! date ( enactm5t ( ?is ,act on economic w>f>e & f9ancial t]rorism4 #abe4 ,none ( ! funds appropriat$ or o!rwise made available 9 ?is ,act may be obligat$ or exp5d$ to provide = ! en=cem5t ( any rule1 regulation1 policy1 or guidel9e implem5t$ pursuant to ! ,dep>tm5t ( ! ,treasury ,guidance = ,unit$ ,/ates ,positions on ,m,d,bs ,engag+ ) ,develop+ ,c\ntries on ,coal-,fir$ ,p[] ,g5]ation dat$ ,octob] #bi1 #bjac1 :5 en=cem5t ( su* rule1 regulation1 policy1 or guidel9e w\ld prohibit1 or h ! effect ( prohibit+1 ! c>ry+ out ( any coal-fir$ or o!r p[]-g5]ation project ! purpose ( :i* is to increase exports ( goods & s]vices f ! ,unit$ ,/ates or prev5t ! loss ( jobs f ! ,unit$ ,/ates4 ,?is title may be cit$ z ! ,dep>tm5t ( ! ,treasury ,appropriations ,act1 #bjaf4 ,,ii ,executive (fice ( ! presid5t & funds appropriat$ to ! presid5t ,! :ite h\se sal>ies & exp5ses ,= necess>y exp5ses = ! ,:ite ,h\se z au?oriz$ by law1 includ+ n to exce$ #c1hej1jjj = s]vices z au?oriz$ by #e ,u4,s4,c4 #caji & #c ,u4,s4,c4 #aje2 subsi/5ce exp5ses z au?oriz$ by #c ,u4,s4,c4 #aje1 :i* %all be exp5d$ & acc\nt$ = z provid$ 9 t section2 hire ( pass5g] motor vehicles1 & travel 7n to exce$ #ajj1jjj to be exp5d$ & acc\nt$ = z provid$ by #c ,u4,s4,c4 #ajc72 & n to exce$ #ai1jjj = (ficial reception & repres5tation exp5ses1 to be available = allocation )9 ! ,executive ,(fice ( ! ,presid5t2 & = necess>y exp5ses ( ! ,(fice ( ,policy ,developm5t1 includ+ s]vices z au?oriz$ by #e ,u4,s4,c4 #caji & #c ,u4,s4,c4 #ajg1 #ee1jjj1jjj4 ,executive ,resid5ce at ! ,:ite ,h\se op]at+ exp5ses ,= necess>y exp5ses ( ! ,executive ,resid5ce at ! ,:ite ,h\se1 #ab1gjj1jjj1 to be exp5d$ & acc\nt$ = z provid$ by #c ,u4,s4,c4 #aje1 #aji1 #aaj1 & #aab-aad4 reimbursable exp5ses ,= ! reimbursable exp5ses ( ! ,executive ,resid5ce at ! ,:ite ,h\se1 su* sums z may be necess>y3 ,provid$1 ,t all reimbursable op]at+ exp5ses ( ! ,executive ,resid5ce %all be made 9 accordance ) ! provisions ( ?is p>agraph3 ,provid$ fur!r1 ,t1 not)/&+ any o!r provision ( law1 su* am\nt = reimbursable op]at+ exp5ses %all be ! exclusive au?ority ( ! ,executive ,resid5ce to incur obligations & to receive (fsett+ collections1 = su* exp5ses3 ,provid$ fur!r1 ,t ! ,executive ,resid5ce %all require ea* p]son sponsor+ a reimbursable political ev5t to pay 9 advance an am\nt equal to ! e/imat$ co/ ( ! ev5t1 & all su* advance paym5ts %all be cr$it$ to ?is acc\nt & rema9 available until exp5d$3 ,provid$ fur!r1 ,t ! ,executive ,resid5ce %all require ! national committee ( ! political p>ty ( ! ,presid5t to ma9ta9 on deposit #be1jjj1 to be sep>ately acc\nt$ = & available = exp5ses relat+ to reimbursable political ev5ts sponsor$ by su* committee dur+ su* fiscal ye>3 ,provid$ fur!r1 ,t ! ,executive ,resid5ce %all ensure t a writt5 notice ( any am\nt ow$ = a reimbursable op]at+ exp5se "u ?is p>agraph is submitt$ to ! p]son ow+ su* am\nt )9 #fj days aft] su* exp5se is incurr$1 & t su* am\nt is collect$ )9 #cj days aft] ! submission ( su* notice3 ,provid$ fur!r1 ,t ! ,executive ,resid5ce %all *>ge int]e/ & assess p5alties & o!r *>ges on any su* am\nt t is n reimburs$ )9 su* #cj days1 9 accordance ) ! int]e/ & p5alty provisions applicable to an out/&+ debt on a ,unit$ ,/ates ,gov]nm5t claim "u #ca ,u4,s4,c4 #cgag3 ,provid$ fur!r1 ,t ea* su* am\nt t is reimburs$1 & any accompany+ int]e/ & *>ges1 %all be deposit$ 9 ! ,treasury z miscellane\s receipts3 ,provid$ fur!r1 ,t ! ,executive ,resid5ce %all prep>e & submit to ! ,committees on ,appropriations1 by n lat] ?an #ij days aft] ! end ( ! fiscal ye> cov]$ by ?is ,act1 a report sett+ =? ! reimbursable op]at+ exp5ses ( ! ,executive ,resid5ce dur+ ! prec$+ fiscal ye>1 includ+ ! total am\nt ( su* exp5ses1 ! am\nt ( su* total t consi/s ( reimbursable (ficial & c]emonial ev5ts1 ! am\nt ( su* total t consi/s ( reimbursable political ev5ts1 & ! portion ( ea* su* am\nt t has be5 reimburs$ z ( ! date ( ! report3 ,provid$ fur!r1 ,t ! ,executive ,resid5ce %all ma9ta9 a sy/em = ! track+ ( exp5ses relat$ to reimbursable ev5ts )9 ! ,executive ,resid5ce t includes a /&>d = ! classification ( any su* exp5se z political or nonpolitical3 ,provid$ fur!r1 ,t no provision ( ?is p>agraph may be con/ru$ to exempt ! ,executive ,resid5ce f any o!r applicable requirem5t ( sub*apt] ,i or ,,ii ( *apt] #cg ( title #ca1 ,unit$ ,/ates ,code4 ,:ite ,h\se ,repair & ,re/oration ,= ! repair1 alt]ation1 & improvem5t ( ! ,executive ,resid5ce at ! ,:ite ,h\se pursuant to #c ,u4,s4,c4 #aje7;d71 #fbe1jjj1 to rema9 available until exp5d$1 = requir$ ma9t5ance1 resolution ( safety & heal? issues1 & cont9u$ prev5tative ma9t5ance4 ,c\ncil ( economic advis]s sal>ies & exp5ses ,= necess>y exp5ses ( ! ,c\ncil ( ,economic ,advis]s 9 c>ry+ out its functions "u ! ,employm5t ,act ( #aidf 7#ae ,u4,s4,c4 #ajba et seq471 #d1ahd1jjj4 ,national ,security ,c\ncil & ,homel& ,security ,c\ncil sal>ies & exp5ses ,= necess>y exp5ses ( ! ,national ,security ,c\ncil & ! ,homel& ,security ,c\ncil1 includ+ s]vices z au?oriz$ by #e ,u4,s4,c4 #caji1 #ab1fjj1jjj4 ,(fice ( ,adm9i/ration ,sal>ies & exp5ses ,= necess>y exp5ses ( ! ,(fice ( ,adm9i/ration1 includ+ s]vices z au?oriz$ by #e ,u4,s4,c4 #caji & #c ,u4,s4,c4 #ajg1 & hire ( pass5g] motor vehicles1 #if1aaf1jjj1 ( :i* n to exce$ #g1iid1jjj %all rema9 available until exp5d$ = cont9u$ mod]nization ( in=mation res\rces )9 ! ,executive ,(fice ( ! ,presid5t4 ,(fice ( ,managem5t & ,budget ,sal>ies & exp5ses ,= necess>y exp5ses ( ! ,(fice ( ,managem5t & ,budget1 includ+ hire ( pass5g] motor vehicles & s]vices z au?oriz$ by #e ,u4,s4,c4 #caji1 to c>ry out ! provisions ( *apt] #ce ( title #dd1 ,unit$ ,/ates ,code1 & to prep>e & submit ! budget ( ! ,unit$ ,/ates ,gov]nm5t1 9 accordance ) section #aaje7;a7 ( title #ca1 ,unit$ ,/ates ,code1 #ia1gej1jjj1 ( :i* n to exce$ #c1jjj %all be available = (ficial repres5tation exp5ses3 ,provid$1 ,t none ( ! funds appropriat$ 9 ?is ,act = ! ,(fice ( ,managem5t & ,budget may be us$ = ! purpose ( review+ any agricultural m>ket+ ord]s or any activities or regulations "u ! provisions ( ! ,agricultural ,m>ket+ ,agreem5t ,act ( #aicg 7#g ,u4,s4,c4 #fja et seq473 ,provid$ fur!r1 ,t none ( ! funds made available = ! ,(fice ( ,managem5t & ,budget by ?is ,act may be exp5d$ = ! alt]+ ( ! transcript ( actual te/imony ( witnesses1 except = te/imony ( (ficials ( ! ,(fice ( ,managem5t & ,budget1 be=e ! ,committees on ,appropriations or _! subcommittees3 ,provid$ fur!r1 ,t ( ! funds made available = ! ,(fice ( ,managem5t & ,budget by ?is ,act1 no less ?an "o full-"t equival5t s5ior /aff position %all be d$icat$ solely to ! ,(fice ( ! ,intellectual ,prop]ty ,en=cem5t ,coord9ator3 ,provid$ fur!r1 ,t none ( ! funds provid$ 9 ?is or prior ,acts %all be us$1 directly or indirectly1 by ! ,(fice ( ,managem5t & ,budget1 = evaluat+ or det]m9+ if wat] res\rce project or /udy reports submitt$ by ! ,*ief ( ,eng9e]s act+ ?r\gh ! ,secret>y ( ! ,army are 9 compliance ) all applicable laws1 regulations1 & requirem5ts relevant to ! ,civil ,works wat] res\rce plann+ process3 ,provid$ fur!r1 ,t ! ,(fice ( ,managem5t & ,budget %all h n m ?an #fj days 9 :i* to p]=m budget>y policy reviews ( wat] res\rce matt]s on :i* ! ,*ief ( ,eng9e]s has report$3 ,provid$ fur!r1 ,t ! ,director ( ! ,(fice ( ,managem5t & ,budget %all notify ! appropriate au?oriz+ & appropriat+ committees :5 ! #fj-;day review is initiat$3 ,provid$ fur!r1 ,t if wat] res\rce reports h n be5 transmitt$ to ! appropriate au?oriz+ & appropriat+ committees )9 #ae days aft] ! end ( ! ,(fice ( ,managem5t & ,budget review p]iod bas$ on ! notification f ! ,director1 ,congress %all assume ,(fice ( ,managem5t & ,budget concurr5ce ) ! report & act accord+ly4 ,(fice ( national drug control policy sal>ies & exp5ses ,= necess>y exp5ses ( ! ,(fice ( ,national ,drug ,control ,policy2 = rese>* activities pursuant to ! ,(fice ( ,national ,drug ,control ,policy ,reau?orization ,act ( #bjjf 7,public ,law #aji-dfi72 n to exce$ #aj1jjj = (ficial reception & repres5tation exp5ses2 & = p>ticipation 9 jo9t projects or 9 ! provision ( s]vices on matt]s ( mutual int]e/ ) nonpr(it1 rese>*1 or public organizations or ag5cies1 ) or )\t reimbursem5t1 #bj1jdg1jjj3 ,provid$1 ,t ! ,(fice is au?oriz$ to accept1 hold1 adm9i/]1 & utilize gifts1 bo? real & p]sonal1 public & private1 )\t fiscal ye> limitation1 = ! purpose ( aid+ or facilitat+ ! "w ( ! ,(fice4 ,f$]al drug control programs high int5sity drug traffick+ areas program 7includ+ transf]s ( funds7 ,= necess>y exp5ses ( ! ,(fice ( ,national ,drug ,control ,policy's ,high ,int5sity ,drug ,traffick+ ,areas ,program1 #bde1jjj1jjj1 to rema9 available until ,septemb] #cj1 #bjag1 = drug control activities consi/5t ) ! approv$ /rategy = ea* ( ! designat$ ,high ,int5sity ,drug ,traffick+ ,areas 7,h,i,d,t,as71 ( :i* n less ?an #ea p]c5t %all be transf]r$ to ,/ate & local entities = drug control activities & %all be obligat$ n lat] ?an #abj days aft] enactm5t ( ?is ,act3 ,provid$1 ,t up to #di p]c5t may be transf]r$ to ,f$]al ag5cies & dep>tm5ts 9 am\nts det]m9$ by ! ,director ( ! ,(fice ( ,national ,drug ,control ,policy1 ( :i* up to #b1gjj1jjj may be us$ = audit+ s]vices & associat$ activities3 ,provid$ fur!r1 ,t1 not)/&+ ! requirem5ts ( ,public ,law #ajf-eh1 any unexp5d$ funds obligat$ prior to fiscal ye> #bjad may be us$ = any o!r approv$ activities ( t ,,hidta1 subject to reprogramm+ requirem5ts3 ,provid$ fur!r1 ,t ea* ,,hidta designat$ z ( ,septemb] #cj1 #bjae1 %all be fund$ at n less ?an ! fiscal ye> #bjae base level1 unless ! ,director submits to ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate ju/ification = *anges to ^? levels bas$ on cle>ly articulat$ priorities & publi%$ ,(fice ( ,national ,drug ,control ,policy p]=mance measures ( effectiv5ess3 ,provid$ fur!r1 ,t ! ,director %all notify ! ,committees on ,appropriations ( ! initial allocation ( fiscal ye> #bjaf fund+ among ,h,i,d,t,as n lat] ?an #de days aft] enactm5t ( ?is ,act1 & %all notify ! ,committees ( plann$ uses ( discretion>y ,,hidta fund+1 z det]m9$ 9 consultation ) ! ,,hidta ,directors1 n lat] ?an #ij days aft] enactm5t ( ?is ,act3 ,provid$ fur!r1 ,t ^u a det]m9ation t all or "p ( ! funds s transf]r$ f ?is appropriation are n necess>y = ! purposes provid$ h]e9 & ^u notification to ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate1 su* am\nts may be transf]r$ back to ?is appropriation4 ,o!r ,f$]al ,drug ,control ,programs 7includ+ transf]s ( funds7 ,= o!r drug control activities au?oriz$ by ! ,(fice ( ,national ,drug ,control ,policy ,reau?orization ,act ( #bjjf 7,public ,law #aji-dfi71 #ajh1caj1jjj1 to rema9 available until exp5d$1 :i* %all be available z foll[s3 #ic1ejj1jjj = ! ,drug-,free ,communities ,program1 ( :i* #b1jjj1jjj %all be made available z direct$ by section #d ( ,public ,law #ajg-hb1 z am5d$ by ,public ,law #aji-dfi 7#ba ,u4,s4,c4 #aeba note72 #b1jjj1jjj = drug c\rt tra9+ & te*nical assi/ance2 #i1ejj1jjj = anti-dop+ activities2 #b1jfj1jjj = ! ,unit$ ,/ates memb]%ip dues to ! ,_w ,anti-,dop+ ,ag5cy2 & #a1bej1jjj %all be made available z direct$ by section #aaje ( ,public ,law #aji-dfi3 ,provid$1 ,t am\nts made available "u ?is head+ may be transf]r$ to o!r ,f$]al dep>tm5ts & ag5cies to c>ry out su* activities4 ,unanticipat$ ne$s ,= exp5ses necess>y to enable ! ,presid5t to meet unanticipat$ ne$s1 9 fur!rance ( ! national int]e/1 security1 or def5se :i* may arise at home or abroad dur+ ! curr5t fiscal ye>1 z au?oriz$ by #c ,u4,s4,c4 #ajh1 #hjj1jjj1 to rema9 available until ,septemb] #cj1 #bjag4 ,in=mation ,te*nology ,ov]sight & ,re=m 7includ+ transf] ( funds7 ,= necess>y exp5ses = ! fur!rance ( integrat$1 effici5t1 secure1 & effective uses ( in=mation te*nology 9 ! ,f$]al ,gov]nm5t1 #be1jjj1jjj1 to rema9 available until exp5d$3 ,provid$1 ,t ! ,director ( ! ,(fice ( ,managem5t & ,budget may transf] ^! funds to "o or m o!r ag5cies to c>ry out projects to meet ^! purposes3 ,provid$ fur!r1 ,t ! ,director ( ! ,(fice ( ,managem5t & ,budget %all submit qu>t]ly reports n lat] ?an #de days aft] ! end ( ea* qu>t] to ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate & ! ,gov]nm5t ,acc\ntability ,(fice id5tify+ ! sav+s a*iev$ by ! ,(fice ( ,managem5t & ,budget's gov]nm5t-wide in=mation te*nology re=m ef=ts3 ,provid$ fur!r1 ,t su* reports %all include sav+s id5tifi$ by fiscal ye>1 ag5cy1 & appropriation4 ,special assi/ance to ! presid5t sal>ies & exp5ses ,= necess>y exp5ses to enable ! ,vice ,presid5t to provide assi/ance to ! ,presid5t 9 connection ) specially assign$ functions2 s]vices z au?oriz$ by #e ,u4,s4,c4 #caji & #c ,u4,s4,c4 #ajf1 includ+ subsi/5ce exp5ses z au?oriz$ by #c ,u4,s4,c4 #ajf1 :i* %all be exp5d$ & acc\nt$ = z provid$ 9 t section2 & hire ( pass5g] motor vehicles1 #d1baa1jjj4 ,(ficial ,resid5ce ( ! ,vice ,presid5t op]at+ exp5ses 7includ+ transf] ( funds7 ,= ! c>e1 op]ation1 refurni%+1 improvem5t1 & to ! ext5t n o!rwise provid$ =1 heat+ & light+1 includ+ electric p[] & fixtures1 ( ! (ficial resid5ce ( ! ,vice ,presid5t2 ! hire ( pass5g] motor vehicles2 & n to exce$ #ij1jjj pursuant to #c ,u4,s4,c4 #ajf7;b77#b71 #bii1jjj3 ,provid$1 ,t advances1 repaym5ts1 or transf]s f ?is appropriation may be made to any dep>tm5t or ag5cy = exp5ses ( c>ry+ out su* activities4 ,adm9i/rative provisions--,executive (fice ( ! presid5t & funds appropriat$ to ! presid5t 7includ+ transf] ( funds7 #bja4 ,f funds made available 9 ?is ,act "u ! head+s ,! ,:ite ,h\se1 ,executive ,resid5ce at ! ,:ite ,h\se1 ,:ite ,h\se ,repair & ,re/oration1 ,c\ncil ( ,economic ,advis]s1 ,national ,security ,c\ncil & ,homel& ,security ,c\ncil1 ,(fice ( ,adm9i/ration1 ,special ,assi/ance to ! ,presid5t1 & ,(ficial ,resid5ce ( ! ,vice ,presid5t1 ! ,director ( ! ,(fice ( ,managem5t & ,budget 7or su* o!r (fic] z ! ,presid5t may designate 9 writ+71 may1 ) advance approval ( ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate1 transf] n to exce$ #aj p]c5t ( any su* appropriation to any o!r su* appropriation1 to be m]g$ ) & available = ! same "t & = ! same purposes z ! appropriation to :i* transf]r$3 ,provid$1 ,t ! am\nt ( an appropriation %all n be increas$ by m ?an #ej p]c5t by su* transf]s3 ,provid$ fur!r1 ,t no am\nt %all be transf]r$ f ,special ,assi/ance to ! ,presid5t or ,(ficial ,resid5ce ( ! ,vice ,presid5t )\t ! approval ( ! ,vice ,presid5t4 #bjb4 ,)9 #ij days aft] ! date ( enactm5t ( ?is section1 ! ,director ( ! ,(fice ( ,managem5t & ,budget %all submit a report to ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate on ! co/s ( implem5t+ ! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act 7,public ,law #aaa-bjc74 ,su* report %all include-- 7#a7 ! e/imat$ m&atory & discretion>y obligations ( funds ?r\gh fiscal ye> #bjah1 by ,f$]al ag5cy & by fiscal ye>1 includ+-- 7,a7 ! e/imat$ obligations by co/ inputs su* z r5t1 in=mation te*nology1 contracts1 & p]sonnel2 7,b7 ! me?odology & data s\rces us$ to calculate su* e/imat$ obligations2 & 7,c7 ! specific section ( su* ,act t requires ! obligation ( funds2 & 7#b7 ! e/imat$ receipts ?r\gh fiscal ye> #bjag f assessm5ts1 us] fees1 & o!r fees by ! ,f$]al ag5cy mak+ ! collections1 by fiscal ye>1 includ+-- 7,a7 ! me?odology & data s\rces us$ to calculate su* e/imat$ collections2 & 7,b7 ! specific section ( su* ,act t au?orizes ! collection ( funds4 #bjc4 7a7 ,dur+ fiscal ye> #bjaf1 any ,executive ord] issu$ by ! ,presid5t %all be accompani$ by a /atem5t f ! ,director ( ! ,(fice ( ,managem5t & ,budget on ! budget>y impact1 includ+ co/s1 b5efits1 & rev5ues1 ( ! ,executive ord]4 7b7 ,any su* /atem5t %all include-- 7#a7 a n>rative summ>y ( ! budget>y impact ( su* ord] on ! ,f$]al ,gov]nm5t2 7#b7 ! impact on m&atory & discretion>y obligations & outlays1 li/$ by ,f$]al ag5cy1 = ea* ye> 9 ! #e-;fiscal ye> p]iod beg9n+ 9 fiscal ye> #bjaf2 & 7#c7 ! impact on rev5ues ( ! ,f$]al ,gov]nm5t ov] ! #e-;fiscal ye> p]iod beg9n+ 9 fiscal ye> #bjaf4 7c7 ,if an ,executive ord] is issu$ dur+ fiscal ye> #bjaf due to a national em]g5cy1 ! ,director ( ! ,(fice ( ,managem5t & ,budget may issue ! /atem5t requir$ by subsection 7a7 n lat] ?an #ae days aft] ! date t ! ,executive ord] is issu$4 ,?is title may be cit$ z ! ,executive ,(fice ( ! ,presid5t ,appropriations ,act1 #bjaf4 ,,iii ,! judici>y ,supreme ,c\rt ( ! ,unit$ ,/ates sal>ies & exp5ses ,= exp5ses necess>y = ! op]ation ( ! ,supreme ,c\rt1 z requir$ by law1 exclud+ c>e ( ! build+ & gr\nds1 includ+ hire ( pass5g] motor vehicles z au?oriz$ by #ca ,u4,s4,c4 #acdc & #acdd2 n to exce$ #aj1jjj = (ficial reception & repres5tation exp5ses2 & = miscellane\s exp5ses1 to be exp5d$ z ! ,*ief ,ju/ice may approve1 #ge1hch1jjj1 ( :i* #b1jjj1jjj %all rema9 available until exp5d$4 ,9 addition1 !re are appropriat$ su* sums z may be necess>y "u curr5t law = ! sal>ies ( ! *ief ju/ice & associate ju/ices ( ! c\rt4 c>e ( ! build+ & gr\nds ,= su* exp5ditures z may be necess>y to enable ! ,ar*itect ( ! ,capitol to c>ry out ! duties impos$ ^u ! ,ar*itect by #dj ,u4,s4,c4 #faaa & #faab1 #i1ifd1jjj1 to rema9 available until exp5d$4 ,unit$ ,/ates ,c\rt ( ,appeals = ! ,f$]al ,circuit sal>ies & exp5ses ,= sal>ies ( (fic]s & employees1 & = necess>y exp5ses ( ! c\rt1 z au?oriz$ by law1 #cj1hgb1jjj4 ,9 addition1 !re are appropriat$ su* sums z may be necess>y "u curr5t law = ! sal>ies ( ! *ief judge & judges ( ! c\rt4 ,unit$ ,/ates ,c\rt ( ,int]national ,trade sal>ies & exp5ses ,= sal>ies ( (fic]s & employees ( ! c\rt1 s]vices1 & necess>y exp5ses ( ! c\rt1 z au?oriz$ by law1 #ah1afj1jjj4 ,9 addition1 !re are appropriat$ su* sums z may be necess>y "u curr5t law = ! sal>ies ( ! *ief judge & judges ( ! c\rt4 ,c\rts ( ,appeals1 ,di/rict ,c\rts1 & ,o!r ,judicial ,s]vices ,sal>ies & exp5ses ,= ! sal>ies ( judges ( ! ,unit$ ,/ates ,c\rt ( ,f$]al ,claims1 magi/rate judges1 & all o!r (fic]s & employees ( ! ,f$]al ,judici>y n o!rwise specifically provid$ =1 necess>y exp5ses ( ! c\rts1 & ! pur*ase1 r5tal1 repair1 & clean+ ( uni=ms = ,probation & ,pretrial ,s]vices ,(fice /aff1 z au?oriz$ by law1 #d1ifj1jjh1jjj 7includ+ ! pur*ase ( fire>ms & ammunition72 ( :i* n to exce$ #bg1hag1jjj %all rema9 available until exp5d$ = space alt]ation projects & = furniture & furni%+s relat$ to new space alt]ation & con/ruction projects4 ,9 addition1 !re are appropriat$ su* sums z may be necess>y "u curr5t law = ! sal>ies ( circuit & di/rict judges 7includ+ judges ( ! t]ritorial c\rts ( ! ,unit$ ,/ates71 bankruptcy judges1 & ju/ices & judges retir$ f (fice or f regul> active s]vice4 ,9 addition1 = exp5ses ( ! ,unit$ ,/ates ,c\rt ( ,f$]al ,claims associat$ ) process+ cases "u ! ,national ,*ildhood ,vacc9e ,injury ,act ( #aihf 7,public ,law #ii-ffj71 n to exce$ #f1jde1jjj1 to be appropriat$ f ! ,vacc9e ,injury ,comp5sation ,tru/ ,fund4 def5d] s]vices ,= ! op]ation ( ,f$]al ,def5d] organizations2 ! comp5sation & reimbursem5t ( exp5ses ( attorneys appo9t$ to repres5t p]sons "u #ah ,u4,s4,c4 #cjjf;,a & #ceii1 & = ! comp5sation & reimbursem5t ( exp5ses ( p]sons furni%+ inve/igative1 exp]t1 & o!r s]vices = su* repres5tations z au?oriz$ by law2 ! comp5sation 79 accordance ) ! maximums "u #ah ,u4,s4,c4 #cjjf;,a7 & reimbursem5t ( exp5ses ( attorneys appo9t$ to assi/ ! c\rt 9 crim9al cases :]e ! def5dant has waiv$ repres5tation by c\nsel2 ! comp5sation & reimbursem5t ( exp5ses ( attorneys appo9t$ to repres5t jurors 9 civil actions = ! protection ( _! employm5t1 z au?oriz$ by #bh ,u4,s4,c4 #ahge7;d77#a72 ! comp5sation & reimbursem5t ( exp5ses ( attorneys appo9t$ "u #ah ,u4,s4,c4 #ihc7;b77#a7 9 connection ) c]ta9 judicial civil =feiture proce$+s2 ! comp5sation & reimbursem5t ( travel exp5ses ( gu>dians ad litem appo9t$ "u #ah ,u4,s4,c4 #dajj7;b72 & = necess>y tra9+ & g5]al adm9i/rative exp5ses1 #a1jdb1faf1jjj1 to rema9 available until exp5d$4 fees ( jurors & commission]s ,= fees & exp5ses ( jurors z au?oriz$ by #bh ,u4,s4,c4 #ahga & #ahgf2 comp5sation ( jury commission]s z au?oriz$ by #bh ,u4,s4,c4 #ahfc2 & comp5sation ( commission]s appo9t$ 9 condemnation cases pursuant to rule #ga4a7;h7 ( ! ,f$]al ,rules ( ,civil ,proc$ure 7#bh ,u4,s4,c4 ,app5dix ,rule #ga4a7;h771 #dh1dbc1jjj1 to rema9 available until exp5d$3 ,provid$1 ,t ! comp5sation ( l& commission]s %all n exce$ ! daily equival5t ( ! highe/ rate payable "u #e ,u4,s4,c4 #eccb4 c\rt security 7includ+ transf]s ( funds7 ,= necess>y exp5ses1 n o!rwise provid$ =1 incid5t to ! provision ( protective gu>d s]vices = ,unit$ ,/ates c\r?\ses & o!r facilities h\s+ ,f$]al c\rt op]ations1 & ! procurem5t1 in/allation1 & ma9t5ance ( security sy/ems & equipm5t = ,unit$ ,/ates c\r?\ses & o!r facilities h\s+ ,f$]al c\rt op]ations1 includ+ build+ +ress-egress control1 inspection ( mail & packages1 direct$ security patrols1 p]imet] security1 basic security s]vices provid$ by ! ,f$]al ,protective ,s]vice1 & o!r simil> activities z au?oriz$ by section #ajaj ( ! ,judicial ,improvem5t & ,access to ,ju/ice ,act 7,public ,law #ajj-gjb71 #ech1gga1jjj1 ( :i* n to exce$ #ae1jjj1jjj %all rema9 available until exp5d$1 to be exp5d$ directly or transf]r$ to ! ,unit$ ,/ates ,m>%als ,s]vice1 :i* %all be responsible = adm9i/]+ ! ,judicial ,facility ,security ,program consi/5t ) /&>ds or guidel9es agre$ to by ! ,director ( ! ,adm9i/rative ,(fice ( ! ,unit$ ,/ates ,c\rts & ! ,attorney ,g5]al4 ,adm9i/rative ,(fice ( ! ,unit$ ,/ates ,c\rts sal>ies & exp5ses ,= necess>y exp5ses ( ! ,adm9i/rative ,(fice ( ! ,unit$ ,/ates ,c\rts z au?oriz$ by law1 includ+ travel z au?oriz$ by #ca ,u4,s4,c4 #acde1 hire ( a pass5g] motor vehicle z au?oriz$ by #ca ,u4,s4,c4 #acdc7;b71 adv]tis+ & r5t 9 ! ,di/rict ( ,columbia & else:]e1 #hf1jjj1jjj1 ( :i* n to exce$ #h1ejj is au?oriz$ = (ficial reception & repres5tation exp5ses4 ,f$]al ,judicial ,c5t] ,sal>ies & exp5ses ,= necess>y exp5ses ( ! ,f$]al ,judicial ,c5t]1 z au?oriz$ by ,public ,law #ij-bai1 #bg1jjj1jjj2 ( :i* #a1hjj1jjj %all rema9 available ?r\gh ,septemb] #cj1 #bjag1 to provide education & tra9+ to ,f$]al c\rt p]sonnel2 & ( :i* n to exce$ #a1ejj is au?oriz$ = (ficial reception & repres5tation exp5ses4 ,unit$ ,/ates ,s5t5c+ ,commission sal>ies & exp5ses ,= ! sal>ies & exp5ses necess>y to c>ry out ! provisions ( *apt] #eh ( title #bh1 ,unit$ ,/ates ,code1 #ag1jjj1jjj1 ( :i* n to exce$ #a1jjj is au?oriz$ = (ficial reception & repres5tation exp5ses4 ,adm9i/rative ,provisions--,! ,judici>y 7includ+ transf] ( funds7 #cja4 ,appropriations & au?orizations made 9 ?is title :i* are available = sal>ies & exp5ses %all be available = s]vices z au?oriz$ by #e ,u4,s4,c4 #caji4 #cjb4 ,n to exce$ #e p]c5t ( any appropriation made available = ! curr5t fiscal ye> = ! ,judici>y 9 ?is ,act may be transf]r$ betwe5 su* appropriations1 b no su* appropriation1 except ,c\rts ( ,appeals1 ,di/rict ,c\rts1 & ,o!r ,judicial ,s]vices1 ,def5d] ,s]vices & ,c\rts ( ,appeals1 ,di/rict ,c\rts1 & ,o!r ,judicial ,s]vices1 ,fees ( ,jurors & ,commission]s1 %all be increas$ by m ?an #aj p]c5t by any su* transf]s3 ,provid$1 ,t any transf] pursuant to ?is section %all be treat$ z a reprogramm+ ( funds "u sections #fjd & #fjh ( ?is ,act & %all n be available = obligation or exp5diture except 9 compliance ) ! proc$ures set =? 9 section #fjh4 #cjc4 ,not)/&+ any o!r provision ( law1 ! sal>ies & exp5ses appropriation = ,c\rts ( ,appeals1 ,di/rict ,c\rts1 & ,o!r ,judicial ,s]vices %all be available = (ficial reception & repres5tation exp5ses ( ! ,judicial ,conf]5ce ( ! ,unit$ ,/ates3 ,provid$1 ,t su* available funds %all n exce$ #aa1jjj & %all be adm9i/]$ by ! ,director ( ! ,adm9i/rative ,(fice ( ! ,unit$ ,/ates ,c\rts 9 ! capacity z ,secret>y ( ! ,judicial ,conf]5ce4 #cjd4 ,section #ccad7;a7 ( title #dj1 ,unit$ ,/ates ,code1 %all be appli$ by sub/itut+ ,f$]al = executive ea* place x appe>s4 #cje4 ,9 accordance ) #bh ,u4,s4,c4 #efa-efi1 & not)/&+ any o!r provision ( law1 ! ,unit$ ,/ates ,m>%als ,s]vice %all provide1 = su* c\r?\ses z its ,director may designate 9 consultation ) ! ,director ( ! ,adm9i/rative ,(fice ( ! ,unit$ ,/ates ,c\rts1 = purposes ( a pilot program1 ! security s]vices t #dj ,u4,s4,c4 #acae au?orizes ! ,dep>tm5t ( ,homel& ,security to provide1 except = ! s]vices specifi$ 9 #dj ,u4,s4,c4 #acae7;b77#b77;,e74 ,= build+-specific security s]vices at ^! c\r?\ses1 ! ,director ( ! ,adm9i/rative ,(fice ( ! ,unit$ ,/ates ,c\rts %all reimburse ! ,unit$ ,/ates ,m>%als ,s]vice r ?an ! ,dep>tm5t ( ,homel& ,security4 #cjf4 7a7 ,section #cfjb7;a7 ( title #ah1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 by ins]t+ aft] ! fir/ s5t5ce3 ,a p]son appo9t$ z a probation (fic] 9 "o di/rict may s]ve 9 ano!r di/rict ) ! cons5t ( ! appo9t+ c\rt & ! c\rt 9 ! o!r di/rict42 & 7#b7 by ins]t+ 9 ! la/ s5t5ce appo9t+ be=e c\rt may1 = cause4 #cjg4 7a7 ,section #bjc7;c7 ( ! ,judicial ,improvem5ts ,act ( #aiij 7,public ,law #aja-fej2 #bh ,u4,s4,c4 #acc note71 is am5d$ 9 ! second s5t5ce 7relat+ to ! ,di/rict ( ,kansas7 foll[+ p>agraph 7#ab71 by /rik+ #bd ye>s & #f mon?s & ins]t+ #be ye>s & #f mon?s4 7b7 ,section #djf ( ! ,transportation1 ,treasury1 ,h\s+ & ,urban ,developm5t1 ! ,judici>y1 ! ,di/rict ( ,columbia1 & ,indep5d5t ,ag5cies ,appropriations ,act1 #bjjf 7,public ,law #aji-aae2 #aai ,/at4 #bdgj2 #bh ,u4,s4,c4 #acc note7 is am5d$ 9 ! second s5t5ce 7relat+ to ! ea/]n ,di/rict ( ,miss\ri7 by /rik+ #bb ye>s & #f mon?s & ins]t+ #bc ye>s & #f mon?s4 7c7 ,section #cab7;c77#b7 ( ! #ba/ ,c5tury ,dep>tm5t ( ,ju/ice ,appropriations ,au?orization ,act 7,public ,law #ajg-bgc2 #bh ,u4,s4,c4 #acc note71 is am5d$-- 7#a7 9 ! fir/ s5t5ce by /rik+ #ac ye>s & ins]t+ #ad ye>s2 7#b7 9 ! second s5t5ce 7relat+ to ! c5tral ,di/rict ( ,cali=nia71 by /rik+ #ab ye>s & #f mon?s & ins]t+ #ac ye>s & #f mon?s2 & 7#c7 9 ! ?ird s5t5ce 7relat+ to ! we/]n di/rict ( ,nor? ,c>ol9a71 by /rik+ #aa ye>s & ins]t+ #ab ye>s4 ,?is title may be cit$ z ! ,judici>y ,appropriations ,act1 #bjaf4 ,,iv ,di/rict ( columbia ,f$]al ,funds f$]al paym5t = resid5t tuition support ,= a ,f$]al paym5t to ! ,di/rict ( ,columbia1 to be deposit$ into a d$icat$ acc\nt1 = a nationwide program to be adm9i/]$ by ! ,mayor1 = ,di/rict ( ,columbia resid5t tuition support1 #cj1jjj1jjj1 to rema9 available until exp5d$3 ,provid$1 ,t su* funds1 includ+ any int]e/ accru$ !reon1 may be us$ on behalf ( eligible ,di/rict ( ,columbia resid5ts to pay an am\nt bas$ ^u ! diff]5ce betwe5 9-,/ate & out-(-,/ate tuition at public in/itutions ( high] education1 or to pay up to #b1ejj ea* ye> at eligible private in/itutions ( high] education3 ,provid$ fur!r1 ,t ! aw>d+ ( su* funds may be prioritiz$ on ! basis ( a resid5t's academic m]it1 ! income & ne$ ( eligible /ud5ts & su* o!r factors z may be au?oriz$3 ,provid$ fur!r1 ,t ! ,di/rict ( ,columbia gov]nm5t %all ma9ta9 a d$icat$ acc\nt = ! ,resid5t ,tuition ,support ,program t %all consi/ ( ! ,f$]al funds appropriat$ to ! ,program 9 ?is ,act & any subsequ5t appropriations1 any unobligat$ balances f prior fiscal ye>s1 & any int]e/ e>n$ 9 ?is or any fiscal ye>3 ,provid$ fur!r1 ,t ! acc\nt %all be "u ! control ( ! ,di/rict ( ,columbia ,*ief ,f9ancial ,(fic]1 :o %all use ^? funds solely = ! purposes ( c>ry+ out ! ,resid5t ,tuition ,support ,program3 ,provid$ fur!r1 ,t ! ,(fice ( ! ,*ief ,f9ancial ,(fic] %all provide a qu>t]ly f9ancial report to ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate = ^! funds %[+1 by object class1 ! exp5ditures made & ! purpose !re=4 f$]al paym5t = em]g5cy plann+ & security co/s 9 ! di/rict ( columbia ,= a ,f$]al paym5t ( necess>y exp5ses1 z det]m9$ by ! ,mayor ( ! ,di/rict ( ,columbia 9 writt5 consultation ) ! elect$ c\nty or city (ficials ( surr\nd+ jurisdictions1 #ac1jjj1jjj1 to rema9 available until exp5d$1 = ! co/s ( provid+ public safety at ev5ts relat$ to ! pres5ce ( ! ,national ,capital 9 ! ,di/rict ( ,columbia1 includ+ support reque/$ by ! ,director ( ! ,unit$ ,/ates ,secret ,s]vice 9 c>ry+ out protective duties "u ! direction ( ! ,secret>y ( ,homel& ,security1 & = ! co/s ( provid+ support to respond to imm$iate & specific t]rori/ ?reats or attacks 9 ! ,di/rict ( ,columbia or surr\nd+ jurisdictions4 f$]al paym5t to ! di/rict ( columbia c\rts ,= sal>ies & exp5ses = ! ,di/rict ( ,columbia ,c\rts1 #bdf1jjj1jjj to be allocat$ z foll[s3 = ! ,di/rict ( ,columbia ,c\rt ( ,appeals1 #ad1jjj1jjj1 ( :i* n to exce$ #b1ejj is = (ficial reception & repres5tation exp5ses2 = ! ,sup]ior ,c\rt ( ! ,di/rict ( ,columbia1 #abb1jjj1jjj1 ( :i* n to exce$ #b1ejj is = (ficial reception & repres5tation exp5ses2 = ! ,di/rict ( ,columbia ,c\rt ,sy/em1 #gb1jjj1jjj1 ( :i* n to exce$ #b1ejj is = (ficial reception & repres5tation exp5ses2 & #ch1jjj1jjj1 to rema9 available until ,septemb] #cj1 #bjag1 = capital improvem5ts = ,di/rict ( ,columbia c\r?\se facilities3 ,provid$1 ,t funds made available = capital improvem5ts %all be exp5d$ consi/5t ) ! ,di/rict ( ,columbia ,c\rts ma/] plan /udy & facilities condition assessm5t3 ,provid$ fur!r1 ,t not)/&+ any o!r provision ( law1 all am\nts "u ?is head+ %all be apportion$ qu>t]ly by ! ,(fice ( ,managem5t & ,budget & obligat$ & exp5d$ 9 ! same mann] z funds appropriat$ = sal>ies & exp5ses ( o!r ,f$]al ag5cies3 ,provid$ fur!r1 ,t #cj days aft] provid+ writt5 notice to ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate1 ! ,di/rict ( ,columbia ,c\rts may reallocate n m ?an #f1jjj1jjj ( ! funds provid$ "u ?is head+ among ! items & entities fund$ "u ?is head+3 ,provid$ fur!r1 ,t ! ,jo9t ,committee on ,judicial ,adm9i/ration 9 ! ,di/rict ( ,columbia may1 by regulation1 e/abli% a program sub/antially simil> to ! program set =? 9 sub*apt] ,,ii ( *apt] #ce ( title #e1 ,unit$ ,/ates ,code1 = employees ( ! ,di/rict ( ,columbia ,c\rts4 f$]al paym5t = def5d] s]vices 9 di/rict ( columbia c\rts ,= paym5ts au?oriz$ "u section #aa-bfjd & section #aa-bfje1 ,d4,c4 ,(ficial ,code 7relat+ to repres5tation provid$ "u ! ,di/rict ( ,columbia ,crim9al ,ju/ice ,act71 paym5ts = c\nsel appo9t$ 9 proce$+s 9 ! ,family ,c\rt ( ! ,sup]ior ,c\rt ( ! ,di/rict ( ,columbia "u *apt] #bc ( title #af1 ,d4,c4 ,(ficial ,code1 or pursuant to contractual agreem5ts to provide gu>dian ad litem repres5tation1 tra9+1 te*nical assi/ance1 & su* o!r s]vices z are necess>y to improve ! quality ( gu>dian ad litem repres5tation1 paym5ts = c\nsel appo9t$ 9 adoption proce$+s "u *apt] #c ( title #af1 ,d4,c4 ,(ficial ,code1 & paym5ts au?oriz$ "u section #ba-bjfj1 ,d4,c4 ,(ficial ,code 7relat+ to s]vices provid$ "u ! ,di/rict ( ,columbia ,gu>dian%ip1 ,protective ,proce$+s1 & ,durable ,p[] ( ,attorney ,act ( #aihf71 #di1hij1jjj1 to rema9 available until exp5d$3 ,provid$1 ,t funds provid$ "u ?is head+ %all be adm9i/]$ by ! ,jo9t ,committee on ,judicial ,adm9i/ration 9 ! ,di/rict ( ,columbia3 ,provid$ fur!r1 ,t1 not)/&+ any o!r provision ( law1 ?is appropriation %all be apportion$ qu>t]ly by ! ,(fice ( ,managem5t & ,budget & obligat$ & exp5d$ 9 ! same mann] z funds appropriat$ = exp5ses ( o!r ,f$]al ag5cies4 f$]al paym5t to ! c\rt s]vices & (f5d] sup]vision ag5cy = ! di/rict ( columbia ,= sal>ies & exp5ses1 includ+ ! transf] & hire ( motor vehicles1 ( ! ,c\rt ,s]vices & ,(f5d] ,sup]vision ,ag5cy = ! ,di/rict ( ,columbia1 z au?oriz$ by ! ,national ,capital ,revitalization & ,self-,gov]nm5t ,improvem5t ,act ( #aiig1 #bdb1jjj1jjj1 ( :i* n to exce$ #b1jjj is = (ficial reception & repres5tation exp5ses relat$ to ,community ,sup]vision & ,pretrial ,s]vices ,ag5cy programs1 ( :i* n to exce$ #be1jjj is = dues & assessm5ts relat+ to ! implem5tation ( ! ,c\rt ,s]vices & ,(f5d] ,sup]vision ,ag5cy ,int]/ate ,sup]vision ,act ( #bjjb2 ( :i* #aha1jjj1jjj %all be = necess>y exp5ses ( ,community ,sup]vision & ,sex ,(f5d] ,regi/ration1 to include exp5ses relat+ to ! sup]vision ( adults subject to protection ord]s or ! provision ( s]vices = or relat$ to su* p]sons1 ( :i* up to #c1aei1jjj %all rema9 available until ,septemb] #cj1 #bjah1 = ! relocation ( (f5d] sup]vision field (fices2 & ( :i* #fa1jjj1jjj %all be available to ! ,pretrial ,s]vices ,ag5cy3 ,provid$1 ,t not)/&+ any o!r provision ( law1 all am\nts "u ?is head+ %all be apportion$ qu>t]ly by ! ,(fice ( ,managem5t & ,budget & obligat$ & exp5d$ 9 ! same mann] z funds appropriat$ = sal>ies & exp5ses ( o!r ,f$]al ag5cies3 ,provid$ fur!r1 ,t am\nts "u ?is head+ may be us$ = programmatic inc5tives = (f5d]s & def5dants successfully meet+ t]ms ( sup]vision3 ,provid$ fur!r1 ,t ! ,director is au?oriz$ to accept & use gifts 9 ! =m ( 9-k9d contributions ( ! foll[+3 space & hospitality to support (f5d] & def5dant programs2 equipm5t1 supplies1 clo?+1 & pr(essional developm5t & vocational tra9+ s]vices & items necess>y to su/a91 educate1 & tra9 (f5d]s & def5dants1 includ+ _! dep5d5t *ildr52 & programmatic inc5tives = (f5d]s & def5dants meet+ t]ms ( sup]vision3 ,provid$ fur!r1 ,t ! ,director %all keep accurate & detail$ records ( ! acceptance & use ( any gift "u ! previ\s proviso1 & %all make su* records available = audit & public inspection3 ,provid$ fur!r1 ,t ! ,c\rt ,s]vices & ,(f5d] ,sup]vision ,ag5cy ,director is au?oriz$ to accept & use reimbursem5t f ! ,di/rict ( ,columbia ,gov]nm5t = space & s]vices provid$ on a co/ reimbursable basis4 f$]al paym5t to ! di/rict ( columbia public def5d] s]vice ,= sal>ies & exp5ses1 includ+ ! transf] & hire ( motor vehicles1 ( ! ,di/rict ( ,columbia ,public ,def5d] ,s]vice1 z au?oriz$ by ! ,national ,capital ,revitalization & ,self-,gov]nm5t ,improvem5t ,act ( #aiig1 #dj1hhi1jjj3 ,provid$1 ,t not)/&+ any o!r provision ( law1 all am\nts "u ?is head+ %all be apportion$ qu>t]ly by ! ,(fice ( ,managem5t & ,budget & obligat$ & exp5d$ 9 ! same mann] z funds appropriat$ = sal>ies & exp5ses ( ,f$]al ag5cies3 ,provid$ fur!r1 ,t1 not)/&+ section #acdb ( title #ca1 ,unit$ ,/ates ,code1 & 9 addition to ! au?ority provid$ by ! ,di/rict ( ,columbia ,code ,section #b-afjg7;b71 ^u approval ( ! ,bo>d ( ,tru/ees1 ! ,di/rict ( ,columbia ,public ,def5d] ,s]vice may accept & use volunt>y & uncomp5sat$ s]vices = ! purpose ( aid+ or facilitat+ ! "w ( ! ,di/rict ( ,columbia ,public ,def5d] ,s]vice3 ,provid$ fur!r1 ,t1 not)/&+ ,di/rict ( ,columbia ,code section #b-afjc7;d71 = ! purpose ( any action br\ght aga9/ ! ,bo>d ( ! ,tru/ees ( ! ,di/rict ( ,columbia ,public ,def5d] ,s]vice1 ! tru/ees %all be deem$ to be employees ( ! ,public ,def5d] ,s]vice4 ,f$]al paym5t to ! di/rict ( columbia wat] & sew] au?ority ,= a ,f$]al paym5t to ! ,di/rict ( ,columbia ,wat] & ,sew] ,au?ority1 #ad1jjj1jjj1 to rema9 available until exp5d$1 to cont9ue implem5tation ( ! ,comb9$ ,sew] ,ov]fl[ ,long-,t]m ,plan3 ,provid$1 ,t ! ,di/rict ( ,columbia ,wat] & ,sew] ,au?ority provides a #ajj p]c5t mat* = ?is paym5t4 f$]al paym5t to ! crim9al ju/ice coord9at+ c\ncil ,= a ,f$]al paym5t to ! ,crim9al ,ju/ice ,coord9at+ ,c\ncil1 #a1ijj1jjj1 to rema9 available until exp5d$1 to support initiatives relat$ to ! coord9ation ( ,f$]al & local crim9al ju/ice res\rces 9 ! ,di/rict ( ,columbia4 ,f$]al ,paym5t = ,judicial ,commissions ,= a ,f$]al paym5t1 to rema9 available until ,septemb] #cj1 #bjag1 to ! ,commission on ,judicial ,disabilities & ,t5ure1 #bie1jjj1 & = ! ,judicial ,nom9ation ,commission1 #bgj1jjj4 f$]al paym5t = s*ool improvem5t ,= a ,f$]al paym5t = a s*ool improvem5t program 9 ! ,di/rict ( ,columbia1 #de1jjj1jjj1 to rema9 available until exp5d$1 = paym5ts au?oriz$ "u ! ,s*ol>%ip = ,opportunity & ,results ,act 7division ,c ( ,public ,law #aab-aj73 ,provid$1 ,t )9 funds provid$ = opportunity s*ol>%ips #c1bjj1jjj %all be = ! activities specifi$ 9 sections #cjjg7;b7 ?r\gh #cjjg7;d7 & #cjji ( ! ,act4 ,f$]al ,paym5t = ! ,di/rict ( ,columbia ,national ,gu>d ,= a ,f$]al paym5t to ! ,di/rict ( ,columbia ,national ,gu>d1 #dce1jjj1 to rema9 available until exp5d$ = ! ,major ,g5]al ,david ,f4 ,:]ley1 ,jr4 ,di/rict ( ,columbia ,national ,gu>d ,ret5tion & ,college ,access ,program4 f$]al paym5t = te/+ & treatm5t ( hiv_/aids ,= a ,f$]al paym5t to ! ,di/rict ( ,columbia = ! te/+ ( individuals =1 & ! treatm5t ( individuals )1 human immunodefici5cy virus & acquir$ immunodefici5cy syndrome 9 ! ,di/rict ( ,columbia1 #e1jjj1jjj4 ,di/rict ( ,columbia ,funds ,local funds are appropriat$ = ! ,di/rict ( ,columbia = ! curr5t fiscal ye> out ( ! ,g5]al ,fund ( ! ,di/rict ( ,columbia 7,g5]al ,fund7 = programs & activities set =? "u ! head+ ,di/rict ( ,columbia ,funds ,summ>y ( ,exp5ses & at ! rate set =? "u su* head+1 z includ$ 9 ! ,fiscal ,ye> #bjaf ,budget ,reque/ ,act ( #bjae submitt$ to ! ,congress by ! ,di/rict ( ,columbia z am5d$ z ( ! date ( enactm5t ( ?is ,act3 ,provid$1 ,t not)/&+ any o!r provision ( law1 except z provid$ 9 section #dej;,a ( ! ,di/rict ( ,columbia ,home ,rule ,act 7section #a-bjd4ej;a1 ,d4,c4 ,(ficial ,code71 sections #haf & #hag ( ! ,f9ancial ,s]vices & ,g5]al ,gov]nm5t ,appropriations ,act1 #bjji 7secs4 #dg-cfi4ja & #dg-cfi4jb1 ,d4,c4 ,(ficial ,code71 & provisions ( ?is ,act1 ! total am\nt appropriat$ 9 ?is ,act = op]at+ exp5ses = ! ,di/rict ( ,columbia = fiscal ye> #bjaf "u ?is head+ %all n exce$ ! e/imates includ$ 9 ! ,fiscal ,ye> #bjaf ,budget ,reque/ ,act ( #bjae submitt$ to ,congress by ! ,di/rict ( ,columbia z am5d$ z ( ! date ( enactm5t ( ?is ,act or ! sum ( ! total rev5ues ( ! ,di/rict ( ,columbia = su* fiscal ye>3 ,provid$ fur!r1 ,t ! am\nt appropriat$ may be increas$ by proce$s ( "o-"t transactions1 :i* are exp5d$ = em]g5cy or unanticipat$ op]at+ or capital ne$s3 ,provid$ fur!r1 ,t su* increases %all be approv$ by enactm5t ( local ,di/rict law & %all comply ) all res]ve requirem5ts conta9$ 9 ! ,di/rict ( ,columbia ,home ,rule ,act3 ,provid$ fur!r1 ,t ! ,*ief ,f9ancial ,(fic] ( ! ,di/rict ( ,columbia %all take su* /eps z are necess>y to assure t ! ,di/rict ( ,columbia meets ^! requirem5ts1 includ+ ! apportion+ by ! ,*ief ,f9ancial ,(fic] ( ! appropriations & funds made available to ! ,di/rict dur+ fiscal ye> #bjaf1 except t ! ,*ief ,f9ancial ,(fic] may n reprogram = op]at+ exp5ses any funds d]iv$ f bonds1 notes1 or o!r obligations issu$ = capital projects4 ,?is title may be cit$ z ! ,di/rict ( ,columbia ,appropriations ,act1 #bjaf4 ,v ,indep5d5t ag5cies ,adm9i/rative ,conf]5ce ( ! ,unit$ ,/ates ,sal>ies & ,exp5ses ,= necess>y exp5ses ( ! ,adm9i/rative ,conf]5ce ( ! ,unit$ ,/ates1 au?oriz$ by #e ,u4,s4,c4 #eia et seq41 #c1ajj1jjj1 to rema9 available until ,septemb] #cj1 #bjag1 ( :i* n to exce$ #a1jjj is = (ficial reception & repres5tation exp5ses4 ,bureau ( ,consum] ,f9ancial ,protection ,adm9i/rative ,provisions #eja4 ,section #ajag7;a77#b77;,c7 ( ,public ,law #aaa-bjc is repeal$4 #ejb4 ,effective ,octob] #a1 #bjaf1 not)/&+ section #ajag ( ,public ,law #aaa-bjc-- 7#a7 ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em %all n transf] am\nts specifi$ "u su* section to ! ,bureau ( ,consum] ,f9ancial ,protection2 & 7#b7 !re are au?oriz$ to be appropriat$ to ! ,bureau ( ,consum] ,f9ancial ,protection su* sums z may be necess>y to c>ry out ! au?orities ( ! ,bureau "u ,f$]al consum] f9ancial law4 #ejc4 7a7 ,dur+ fiscal ye> #bjaf1 on ! date on :i* a reque/ is made = a transf] ( funds 9 accordance ) section #ajag ( ,public ,law #aaa-bjc1 ! ,bureau ( ,consum] ,f9ancial ,protection %all notify ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate1 ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives1 & ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate ( su* reque/4 7b7 7#a7 ,any su* notification %all include ! am\nt ( ! funds reque/$1 an explanation ( h[ ! funds w be obligat$ by object class & activity1 & :y ! funds are necess>y to protect consum]s4 7#b7 ,any notification requir$ by ?is section %all be made available on ! ,bureau's public ,web site4 #ejd4 7a7 ,n lat] ?an #b weeks aft] ! end ( ea* qu>t] ( ea* fiscal ye>1 ! ,bureau ( ,consum] ,f9ancial ,protection %all submit a report on its activities to ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate1 ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives1 & ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate4 7b7 ,! reports requir$ "u subsection 7a7 %all include-- 7#a7 ! obligations made dur+ ! previ\s qu>t] by object class1 (fice1 & activity2 7#b7 ! e/imat$ obligations = ! rema9d] ( ! fiscal ye> by object class1 (fice1 & activity2 7#c7 ! numb] ( full-"t equival5ts )9 ea* (fice dur+ ! previ\s qu>t]2 7#d7 ! e/imat$ numb] ( full-"t equival5ts )9 ea* (fice = ! rema9d] ( ! fiscal ye>2 & 7#e7 actions tak5 to a*ieve ! goals1 objectives1 & p]=mance measures ( ea* (fice4 7c7 ,at ! reque/ ( any committee specifi$ 9 subsection 7a71 ! ,bureau ( ,consum] ,f9ancial ,protection %all make ,bureau (ficials available to te/ify on ! cont5ts ( ! reports requir$ "u subsection 7a74 #eje4 7a7 ,9 g5]al ,section #ajaa ( ! ,consum] ,f9ancial ,protection ,act ( #bjaj 7#ab ,u4,s4,c4 #edia7 is am5d$-- 7#a7 by /rik+ subsections 7b71 7c71 & 7d72 7#b7 by r$esignat+ subsection 7e7 z subsection 7c72 & 7#c7 by ins]t+ aft] subsection 7a7 ! foll[+3 7b7 ,managem5t ( ! bureau 7#a7 ,9 g5]al ,! managem5t ( ! ,bureau %all be ve/$ 9 a ,bo>d ( ,directors consi/+ ( #e memb]s1 :o %all be appo9t$ by ! ,presid5t1 by & ) ! advice & cons5t ( ! ,s5ate1 f among individuals :o-- 7,a7 are citiz5s ( ! ,unit$ ,/ates2 & 7,b7 h develop$ /rong compet5cy & und]/&+ (1 & h exp]i5ce work+ )1 f9ancial products & s]vices4 7#b7 ,t]ms 7,a7 ,9 g5]al ,except z provid$ 9 subp>agraph 7,b71 ea* memb] ( ! ,bo>d1 includ+ ! ,*airp]son1 %all s]ve = a t]m ( #e ye>s4 7,b7 ,/agg]$ t]ms ,! memb]s ( ! ,bo>d %all s]ve /agg]$ t]ms1 :i* %all initially be = t]ms ( #a1 #b1 #c1 #d1 & #e ye>s1 respectively1 & su* memb]s %all be appo9t$ su* t1 aft] ! appo9tm5ts ( ! initial #e memb]s ( ! ,bo>d1 memb]s ( diff]5t political p>ties are appo9t$ alt]nately4 7,c7 ,removal ,! ,presid5t may remove any memb] ( ! ,bo>d = ineffici5cy1 neglect ( duty1 or malfeasance 9 (fice4 7,d7 ,vacancies ,any memb] ( ! ,bo>d appo9t$ to fill a vacancy occurr+ be=e ! expiration ( ! t]m to :i* ! pr$ecessor ( t memb] 0 appo9t$ 7includ+ ! ,*airp]son7 %all be appo9t$ only = ! rema9d] ( ! t]m4 7,e7 ,cont9uation ( s]vice ,ea* memb] ( ! ,bo>d may cont9ue to s]ve aft] ! expiration ( ! t]m ( (fice to :i* t memb] 0 appo9t$ until a successor has be5 appo9t$ by ! ,presid5t & confirm$ by ! ,s5ate1 except t a memb] may n cont9ue to s]ve m ?an #a ye> aft] ! date on :i* ! t]m ( t memb] w\ld o!rwise expire4 7,f7 ,successive t]ms ,a memb] ( ! ,bo>d may n be reappo9t$ to a second consecutive t]m1 except t an initial memb] ( ! ,bo>d appo9t$ = less ?an a #e-ye> t]m may be reappo9t$ to a full #e-ye> t]m & a future memb] appo9t$ to fill an unexpir$ t]m may be reappo9t$ = a full #e-ye> t]m4 7#c7 ,affiliation ,n m ?an #c memb]s ( ! ,bo>d %all be memb]s ( any #a political p>ty4 7#d7 ,*airp]son ( ! bo>d 7,a7 ,appo9tm5t ,! ,presid5t %all appo9t #a ( ! #e memb]s ( ! ,bo>d to s]ve z ,*airp]son ( ! ,bo>d4 7,b7 ,au?ority ,! ,*airp]son %all be ! pr9cipal executive (fic] ( ! ,bureau1 & %all ex]cise all ( ! executive & adm9i/rative functions ( ! ,bureau1 includ+ ) respect to-- 7i7 ! sup]vision ( p]sonnel employ$ by ! ,bureau 7o!r ?an p]sonnel employ$ regul>ly & full "t 9 ! imm$iate (fices ( memb]s ( ! ,bo>d o!r ?an ! ,*airp]son72 7ii7 ! di/ribution ( bus9ess among p]sonnel appo9t$ & sup]vis$ by ! ,*airp]son & among adm9i/rative units ( ! ,bureau2 & 7iii7 ! use & exp5diture ( funds4 7,c7 ,limitation ,9 c>ry+ out any ( ! functions ( ! ,*airp]son "u ?is p>agraph1 ! ,*airp]son %all be gov]n$ by g5]al policies ( ! ,bureau & by su* regulatory decisions1 f9d+s1 & det]m9ations z ! ,bureau may by law be au?oriz$ to make4 7,d7 ,reque/s or e/imates relat$ to appropriations ,any reque/ or e/imate = regul>1 supplem5tal1 or defici5cy appropriations on behalf ( ! ,bureau1 includ+ any reque/ = a transf] ( funds "u section #ajag7;a71 may n be submitt$ by ! ,*airp]son )\t ! prior approval ( ! ,bo>d4 7,e7 ,vacancy ,! ,presid5t may designate a memb] ( ! ,bo>d to s]ve z ,act+ ,*airp]son 9 ! ev5t ( a vacancy 9 ! (fice ( ! ,*airp]son4 7#e7 ,comp5sation 7,a7 ,*airp]son ,! ,*airp]son %all receive comp5sation at ! rate prescrib$ = level ,i ( ! ,executive ,s*$ule "u section #ecab ( title #e1 ,unit$ ,/ates ,code4 7,b7 ,o!r memb]s ( ! bo>d ,! #d memb]s ( ! ,bo>d o!r ?an ! ,*airp]son %all ea* receive comp5sation at ! rate prescrib$ = level ,,ii ( ! ,executive ,s*$ule "u section #ecac ( title #e1 ,unit$ ,/ates ,code4 7#f7 ,o!r employm5t prohibit$ ,a memb] ( ! ,bo>d may n engage 9 any o!r bus9ess1 vocation1 or employm5t4 4 7b7 ,effective date ,! am5dm5ts made by ?is section %all take effect on ! lat] (-- 7#a7 ,octob] #a1 #bjaf2 or 7#b7 ! date on :i* n less ?an #c p]sons h be5 confirm$ by ! ,s5ate to s]ve z memb]s ( ! ,bo>d ( ,directors ( ! ,bureau ( ,consum] ,f9ancial ,protection4 ,commodity ,futures ,trad+ ,commission 7includ+ ,transf]s ( ,funds7 ,= necess>y exp5ses to c>ry out ! provisions ( ! ,commodity ,ex*ange ,act 7#g ,u4,s4,c4 #a et seq471 includ+ ! pur*ase & hire ( pass5g] motor vehicles1 & ! r5tal ( space 7to include multiple ye> leases7 9 ! ,di/rict ( ,columbia & else:]e1 #bej1jjj1jjj1 includ+ n to exce$ #c1jjj = (ficial reception & repres5tation exp5ses1 & n to exce$ #be1jjj = ! exp5ses = consultations & meet+s ho/$ by ! ,commission ) =eign gov]nm5tal & o!r regulatory (ficials1 ( :i* n less ?an #ea1jjj1jjj1 to rema9 available until ,septemb] #cj1 #bjag1 %all be = ! pur*ase ( in=mation te*nology & ( :i* n less ?an #b1fbj1jjj %all be = ! ,(fice ( ! ,inspector ,g5]al4 ,consum] product safety commission sal>ies & exp5ses ,= necess>y exp5ses ( ! ,consum] ,product ,safety ,commission1 includ+ hire ( pass5g] motor vehicles1 s]vices z au?oriz$ by #e ,u4,s4,c4 #caji1 b at rates = individuals n to exce$ ! p] diem rate equival5t to ! maximum rate payable "u #e ,u4,s4,c4 #ecgf1 pur*ase ( nom9al aw>ds to recognize non-,f$]al (ficials' contributions to ,commission activities1 & n to exce$ #d1jjj = (ficial reception & repres5tation exp5ses1 #abc1jjj1jjj4 ,election assi/ance commission sal>ies & exp5ses 7includ+ transf] ( funds7 ,= necess>y exp5ses to c>ry out ! ,help ,am]ica ,vote ,act ( #bjjb 7,public ,law #ajg-beb71 #i1fjj1jjj1 ( :i* #a1ejj1jjj %all be transf]r$ to ! ,national ,in/itute ( ,/&>ds & ,te*nology = election re=m activities au?oriz$ "u ! ,help ,am]ica ,vote ,act ( #bjjb4 ,f$]al communications commission ,sal>ies & exp5ses ,= necess>y exp5ses ( ! ,f$]al ,communications ,commission1 z au?oriz$ by law1 includ+ uni=ms & all[ances !re=1 z au?oriz$ by #e ,u4,s4,c4 #eija-eijb2 n to exce$ #d1jjj = (ficial reception & repres5tation exp5ses2 pur*ase & hire ( motor vehicles2 special c\nsel fees2 & s]vices z au?oriz$ by #e ,u4,s4,c4 #caji1 #cbj1jjj1jjj1 to rema9 available until exp5d$3 ,provid$1 ,t 9 addition1 #dd1afh1dig %all be made available until exp5d$ = necess>y exp5ses associat$ ) mov+ to a new facility or reconfigur+ ! exi/+ space to significantly r$uce space consumption3 ,provid$ fur!r1 ,t #cfd1afh1dig ( (fsett+ collections %all be assess$ & collect$ pursuant to section #i ( title ,i ( ! ,communications ,act ( #aicd1 %all be reta9$ & us$ = necess>y exp5ses & %all rema9 available until exp5d$3 ,provid$ fur!r1 ,t ! sum h]e9 appropriat$ %all be r$uc$ z su* (fsett+ collections are receiv$ dur+ fiscal ye> #bjaf s z to result 9 a f9al fiscal ye> #bjaf appropriation e/imat$ at #j3 ,provid$ fur!r1 ,t any (fsett+ collections receiv$ 9 excess ( #cfd1afh1dig 9 fiscal ye> #bjaf %all n be available = obligation3 ,provid$ fur!r1 ,t rema9+ (fsett+ collections f prior ye>s collect$ 9 excess ( ! am\nt specifi$ = collection 9 ea* su* ye> & o!rwise becom+ available on ,octob] #a1 #bjae1 %all n be available = obligation3 ,provid$ fur!r1 ,t1 not)/&+ #dg ,u4,s4,c4 #cji7;j77#h77;,b71 proce$s f ! use ( a competitive bidd+ sy/em t may be reta9$ & made available = obligation %all n exce$ #aag1jjj1jjj = fiscal ye> #bjaf1 includ+ n to exce$ #eah1iha = obligation by ! ,(fice ( ! ,inspector ,g5]al3 ,provid$ fur!r1 ,t1 ( ! am\nt appropriat$ "u ?is head+1 n less ?an #aa1jij1jjj %all be = ! sal>ies & exp5ses ( ! ,(fice ( ,inspector ,g5]al4 ,adm9i/rative provisions--f$]al communications commission #eaj4 ,section #cjb ( ! ,univ]sal ,s]vice ,antidefici5cy ,tempor>y ,susp5sion ,act is am5d$ by /rik+ ,decemb] #ca1 #bjaf1 ea* place x appe>s & ins]t+ ,decemb] #ca1 #bjag4 #eaa4 ,none ( ! funds appropriat$ by ?is ,act may be us$ by ! ,f$]al ,communications ,commission to modify1 am5d1 or *ange its rules or regulations = univ]sal s]vice support paym5ts to implem5t ! ,febru>y #bg1 #bjjd recomm5dations ( ! ,f$]al-,/ate ,jo9t ,bo>d on ,univ]sal ,s]vice reg>d+ s+le connection or prim>y l9e re/rictions on univ]sal s]vice support paym5ts4 ,f$]al deposit insurance corporation (fice ( ! inspector g5]al ,= necess>y exp5ses ( ! ,(fice ( ,inspector ,g5]al 9 c>ry+ out ! provisions ( ! ,inspector ,g5]al ,act ( #aigh1 #cd1efh1jjj1 to be d]iv$ f ! ,deposit ,insurance ,fund or1 only :5 appropriate1 ! ,,fslic ,resolution ,fund4 ,f$]al ,election ,commission ,sal>ies & exp5ses ,= necess>y exp5ses to c>ry out ! provisions ( ! ,f$]al ,election ,campaign ,act ( #aiga1 #gb1ejj1jjj1 ( :i* #e1jjj1jjj %all rema9 available until ,septemb] #cj1 #bjag1 = lease expiration & replacem5t lease exp5ses2 & ( :i* n to exce$ #e1jjj %all be available = reception & repres5tation exp5ses4 ,f$]al ,labor ,relations ,au?ority ,sal>ies & exp5ses ,= necess>y exp5ses to c>ry out functions ( ! ,f$]al ,labor ,relations ,au?ority1 pursuant to ,reorganization ,plan ,numb]$ #b ( #aigh1 & ! ,civil ,s]vice ,re=m ,act ( #aigh1 includ+ s]vices au?oriz$ by #e ,u4,s4,c4 #caji1 & includ+ hire ( exp]ts & consultants1 hire ( pass5g] motor vehicles1 & includ+ (ficial reception & repres5tation exp5ses 7n to exce$ #a1ejj7 & r5tal ( conf]5ce rooms 9 ! ,di/rict ( ,columbia & else:]e1 #be1edh1jjj3 ,provid$1 ,t public memb]s ( ! ,f$]al ,s]vice ,impasses ,panel may be paid travel exp5ses & p] diem 9 lieu ( subsi/5ce z au?oriz$ by law 7#e ,u4,s4,c4 #egjc7 = p]sons employ$ int]mitt5tly 9 ! ,gov]nm5t s]vice1 & comp5sation z au?oriz$ by #e ,u4,s4,c4 #caji3 ,provid$ fur!r1 ,t1 not)/&+ #ca ,u4,s4,c4 #ccjb1 funds receiv$ f fees *>g$ to non-,f$]al p>ticipants at labor-managem5t relations conf]5ces %all be cr$it$ to & m]g$ ) ?is acc\nt1 to be available )\t fur!r appropriation = ! co/s ( c>ry+ out ^! conf]5ces4 ,f$]al trade commission ,sal>ies & exp5ses ,= necess>y exp5ses ( ! ,f$]al ,trade ,commission1 includ+ uni=ms or all[ances !re=1 z au?oriz$ by #e ,u4,s4,c4 #eija-eijb2 s]vices z au?oriz$ by #e ,u4,s4,c4 #caji2 hire ( pass5g] motor vehicles2 & n to exce$ #b1jjj = (ficial reception & repres5tation exp5ses1 #cjj1jjj1jjj1 to rema9 available until exp5d$3 ,provid$1 ,t n to exce$ #cjj1jjj %all be available = use to contract ) a p]son or p]sons = collection s]vices 9 accordance ) ! t]ms ( #ca ,u4,s4,c4 #cgah3 ,provid$ fur!r1 ,t1 not)/&+ any o!r provision ( law1 n to exce$ #abd1jjj1jjj ( (fsett+ collections d]iv$ f fees collect$ = prem]g] notification fil+s "u ! ,h>t-,scott-,rod9o ,antitru/ ,improvem5ts ,act ( #aigf 7#ae ,u4,s4,c4 #ah;a71 reg>dless ( ! ye> ( collection1 %all be reta9$ & us$ = necess>y exp5ses 9 ?is appropriation3 ,provid$ fur!r1 ,t1 not)/&+ any o!r provision ( law1 n to exce$ #ad1jjj1jjj 9 (fsett+ collections d]iv$ f fees suffici5t to implem5t & en=ce ! ,telem>ket+ ,sales ,rule1 promulgat$ "u ! ,telem>ket+ & ,consum] ,fraud & ,abuse ,prev5tion ,act 7#ae ,u4,s4,c4 #faja et seq471 %all be cr$it$ to ?is acc\nt1 & be reta9$ & us$ = necess>y exp5ses 9 ?is appropriation3 ,provid$ fur!r1 ,t ! sum h]e9 appropriat$ f ! g5]al fund %all be r$uc$ z su* (fsett+ collections are receiv$ dur+ fiscal ye> #bjaf1 s z to result 9 a f9al fiscal ye> #bjaf appropriation f ! g5]al fund e/imat$ at n m ?an #afb1jjj1jjj3 ,provid$ fur!r1 ,t none ( ! funds made available to ! ,f$]al ,trade ,commission may be us$ to implem5t subsection 7e77#b77;,b7 ( section #dc ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahcat74 ,g5]al ,s]vices ,adm9i/ration real prop]ty activities f$]al build+s fund limitations on availability ( rev5ue 7includ+ transf]s ( funds7 ,am\nts 9 ! ,fund1 includ+ rev5ues & collections deposit$ into ! ,fund %all be available = necess>y exp5ses ( real prop]ty managem5t & relat$ activities n o!rwise provid$ =1 includ+ op]ation1 ma9t5ance1 & protection ( f$]ally own$ & leas$ build+s2 r5tal ( build+s 9 ! ,di/rict ( ,columbia2 re/oration ( leas$ premises2 mov+ gov]nm5tal ag5cies 7includ+ space adju/m5ts & telecommunications relocation exp5ses7 9 connection ) ! assignm5t1 allocation & transf] ( space2 contractual s]vices incid5t to clean+ or s]vic+ build+s1 & mov+2 repair & alt]ation ( f$]ally own$ build+s includ+ gr\nds1 approa*es & appurt5ances2 c>e & safegu>d+ ( sites2 ma9t5ance1 pres]vation1 demolition1 & equipm5t2 acquisition ( build+s & sites by pur*ase1 condemnation1 or z o!rwise au?oriz$ by law2 acquisition ( options to pur*ase build+s & sites2 conv]sion & ext5sion ( f$]ally own$ build+s2 prelim9>y plann+ & design ( projects by contract or o!rwise2 con/ruction ( new build+s 7includ+ equipm5t = su* build+s72 & paym5t ( pr9cipal1 int]e/1 & any o!r obligations = public build+s acquir$ by in/allm5t pur*ase & pur*ase contract2 9 ! aggregate am\nt ( #h1cjd1dbb1jjj1 ( :i*-- 7#a7 #aha1ejj1jjj %all rema9 available until exp5d$ = con/ruction & acquisition activities 7includ+ funds = sites & exp5ses1 & associat$ design & con/ruction s]vices7 = ! ,unit$ ,/ates ,c\r?\se 9 ,na%ville1 ,t5nessee3 ,provid$1 ,t ! =ego+ limit ( co/s on new con/ruction & acquisition may be exce$$ to ! ext5t t sav+s are effect$ 9 o!r su* projects1 b n to exce$ #aj p]c5t ( ! am\nts includ$ 9 a transmitt$ prospectus1 if requir$1 unless advance approval is obta9$ f ! ,committees on ,appropriations ( a great] am\nt2 7#b7 #ceg1ahi1jjj %all rema9 available until exp5d$ = repairs & alt]ations1 includ+ associat$ design & con/ruction s]vices1 ( :i*-- 7,a7 #aeg1ahi1jjj is = ,major ,repair & ,alt]ations activities1 includ+ #if1cdd1jjj = ! ,jacob ,k4 ,javits ,f$]al ,(fice ,build+ 9 ,new ,york ,city1 ,new ,york1 & #fj1hde1jjj = ! ,edw>d ,j4 ,s*w>tz ,f$]al ,build+ & ,u4,s4 ,c\r?\se 9 ,san ,diego1 ,cali=nia2 7,b7 #bjj1jjj1jjj is = ,basic ,repairs & ,alt]ations1 ,consolidation ,activities1 ! ,judici>y ,capital ,security ,program1 & ! ,fire & ,life ,safety ,program3 ,provid$1 ,t funds made available 9 ?is or any previ\s ,act 9 ! ,f$]al ,build+s ,fund = ,repairs & ,alt]ations %all1 = prospectus projects1 be limit$ to ! am\nt id5tifi$ = ea* project1 except ea* project 9 ?is or any previ\s ,act may be increas$ by an am\nt n to exce$ #aj p]c5t unless advance approval is obta9$ f ! ,committees on ,appropriations ( a great] am\nt3 ,provid$ fur!r1 ,t additional projects = :i* prospectuses h be5 fully approv$ may be fund$ "u ?is category only if advance approval is obta9$ f ! ,committees on ,appropriations3 ,provid$ fur!r1 ,t ! am\nts provid$ 9 ?is or any prior ,act = ,repairs & ,alt]ations may be us$ to fund co/s associat$ ) implem5t+ security improvem5ts to build+s necess>y to meet ! m9imum /&>ds = security 9 accordance ) curr5t law & 9 compliance ) ! reprogramm+ guidel9es ( ! appropriate ,committees ( ! ,h\se & ,s5ate3 ,provid$ fur!r1 ,t ! diff]5ce betwe5 ! funds appropriat$ & exp5d$ on any projects 9 ?is or any prior ,act1 "u ! head+ #8#8,repairs & ,alt]ations''1 may be transf]r$ to ,basic ,repairs & ,alt]ations or us$ to fund au?oriz$ increases 9 prospectus projects3 ,provid$ fur!r1 ,t ! am\nt provid$ 9 ?is or any prior ,act = ,basic ,repairs & ,alt]ations may be us$ to pay claims aga9/ ! ,gov]nm5t aris+ f any projects "u ! head+ ,repairs & ,alt]ations or us$ to fund au?oriz$ increases 9 prospectus projects2 7#c7 #e1eba1fja1jjj = r5tal ( space to rema9 available until exp5d$2 & 7#d7 #b1bdd1acb1jjj = build+ op]ations to rema9 available until exp5d$3 ,provid$ fur!r1 ,t ! total am\nt ( funds made available f ?is ,fund to ! ,g5]al ,s]vices ,adm9i/ration %all n be available = exp5ses ( any con/ruction1 repair1 alt]ation & acquisition project = :i* a prospectus1 if requir$ by #dj ,u4,s4,c4 #ccjg7;a71 has n be5 approv$1 except t necess>y funds may be exp5d$ = ea* project = requir$ exp5ses = ! developm5t ( a propos$ prospectus3 ,provid$ fur!r1 ,t funds available 9 ! ,f$]al ,build+s ,fund may be exp5d$ = em]g5cy repairs :5 advance approval is obta9$ f ! ,committees on ,appropriations3 ,provid$ fur!r1 ,t am\nts necess>y to provide reimbursable special s]vices to o!r ag5cies "u #dj ,u4,s4,c4 #eib7;b77#b7 & am\nts to provide su* reimbursable f5c+1 light+1 gu>d boo?s1 & o!r facilities on private or o!r prop]ty n 9 ,gov]nm5t own]%ip or control z may be appropriate to enable ! ,unit$ ,/ates ,secret ,s]vice to p]=m its protective functions pursuant to #ah ,u4,s4,c4 #cjef1 %all be available f su* rev5ues & collections3 ,provid$ fur!r1 ,t rev5ues & collections & any o!r sums accru+ to ?is ,fund dur+ fiscal ye> #bjaf1 exclud+ reimbursem5ts "u #dj ,u4,s4,c4 #eib7;b77#b71 9 excess ( ! aggregate new obligational au?ority au?oriz$ = ,real ,prop]ty ,activities ( ! ,f$]al ,build+s ,fund 9 ?is ,act %all rema9 9 ! ,fund & %all n be available = exp5diture except z au?oriz$ 9 appropriations ,acts4 g5]al activities gov]nm5t-wide policy ,= exp5ses au?oriz$ by law1 n o!rwise provid$ =1 = ,gov]nm5t-wide policy & evaluation activities associat$ ) ! managem5t ( real & p]sonal prop]ty assets & c]ta9 adm9i/rative s]vices2 ,gov]nm5t-wide policy support responsibilities relat+ to acquisition1 travel1 motor vehicles1 in=mation te*nology managem5t1 & relat$ te*nology activities2 & s]vices z au?oriz$ by #e ,u4,s4,c4 #caji2 #eh1jjj1jjj4 op]at+ exp5ses 7includ+ transf] ( funds7 ,= exp5ses au?oriz$ by law1 n o!rwise provid$ =1 = ,gov]nm5t-wide activities associat$ ) utilization & donation ( surplus p]sonal prop]ty2 disposal ( real prop]ty2 ag5cy-wide policy direction1 managem5t1 & communications2 ! ,civilian ,bo>d ( ,contract ,appeals2 & s]vices z au?oriz$ by #e ,u4,s4,c4 #caji2 #eh1efj1jjj1 ( :i* n to exce$ #g1ejj is = (ficial reception & repres5tation exp5ses4 (fice ( inspector g5]al ,= necess>y exp5ses ( ! ,(fice ( ,inspector ,g5]al & s]vice au?oriz$ by #e ,u4,s4,c4 #caji1 #fe1jjj1jjj1 ( :i* #b1jjj1jjj is available until exp5d$3 ,provid$1 ,t n to exce$ #ej1jjj %all be available = paym5t = in=mation & detection ( fraud aga9/ ! ,gov]nm5t1 includ+ paym5t = recov]y ( /ol5 ,gov]nm5t prop]ty3 ,provid$ fur!r1 ,t n to exce$ #b1ejj %all be available = aw>ds to employees ( o!r ,f$]al ag5cies & private citiz5s 9 recognition ( ef=ts & initiatives result+ 9 enhanc$ ,(fice ( ,inspector ,g5]al effectiv5ess4 all[ances & (fice /aff = =m] presid5ts ,= c>ry+ out ! provisions ( ! ,act ( ,augu/ #be1 #aieh 7#c ,u4,s4,c4 #ajb note71 & ,public ,law #ie-ach1 #c1bgg1jjj4 pre-election presid5tial transition 7includ+ transf] ( funds7 ,= activities au?oriz$ by ! ,pre-,election ,presid5tial ,transition ,act ( #bjaj 7,public ,law #aaa-bhc71 n to exce$ #ac1bgh1jjj1 to rema9 available until ,septemb] #cj1 #bjag3 ,provid$1 ,t su* am\nts may be transf]r$ to ,acquisition ,s]vices ,fund or ,f$]al ,build+s ,fund to reimburse obligations incurr$ = ! purposes provid$ h]e9 9 fiscal ye> #bjae3 ,provid$ fur!r1 ,t am\nts made available "u ?is head+ %all be 9 addition to any o!r am\nts available = su* purposes4 ,f$]al ,citiz5 ,s]vices ,fund 7includ+ transf]s ( funds7 ,= necess>y exp5ses ( ! ,(fice ( ,citiz5 ,s]vices & ,innovative ,te*nologies1 includ+ s]vices au?oriz$ by #dj ,u4,s4,c4 #cbc & #dd ,u4,s4,c4 #cfjd2 & = necess>y exp5ses 9 support ( int]ag5cy projects t enable ! ,f$]al ,gov]nm5t to enhance its ability to conduct activities electronically1 ?r\gh ! developm5t & implem5tation ( innovative uses ( in=mation te*nology2 #ee1hid1jjj1 to be deposit$ into ! ,f$]al ,citiz5 ,s]vices ,fund3 ,provid$1 ,t ! previ\s am\nt may be transf]r$ to ,f$]al ag5cies to c>ry out ! purpose ( ! ,f$]al ,citiz5 ,s]vices ,fund3 ,provid$ fur!r1 ,t ! appropriations1 rev5ues1 reimbursem5ts1 & collections deposit$ into ! ,fund %all be available until exp5d$ = necess>y exp5ses ( ,f$]al ,citiz5 ,s]vices & o!r activities t enable ! ,f$]al ,gov]nm5t to enhance its ability to conduct activities electronically 9 ! aggregate am\nt n to exce$ #ij1jjj1jjj3 ,provid$ fur!r1 ,t appropriations1 rev5ues1 reimbursem5ts1 & collections accru+ to ?is ,fund dur+ fiscal ye> #bjaf 9 excess ( su* am\nt %all rema9 9 ! ,fund & %all n be available = exp5diture except z au?oriz$ 9 appropriations ,acts3 ,provid$ fur!r1 ,t any appropriations provid$ to ! ,electronic ,gov]nm5t ,fund t rema9 unobligat$ may be transf]r$ to ! ,f$]al ,citiz5 ,s]vices ,fund3 ,provid$ fur!r1 ,t ! transf] au?orities provid$ h]e9 %all be 9 addition to any o!r transf] au?ority provid$ 9 ?is ,act4 ,adm9i/rative ,provisions--,g5]al ,s]vices ,adm9i/ration 7includ+ transf] ( funds7 #ebj4 ,funds available to ! ,g5]al ,s]vices ,adm9i/ration %all be available = ! hire ( pass5g] motor vehicles4 #eba4 ,funds 9 ! ,f$]al ,build+s ,fund made available = fiscal ye> #bjaf = ,f$]al ,build+s ,fund activities may be transf]r$ betwe5 su* activities only to ! ext5t necess>y to meet program requirem5ts3 ,provid$1 ,t any propos$ transf]s %all be approv$ 9 advance by ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate4 #ebb4 ,except z o!rwise provid$ 9 ?is title1 funds made available by ?is ,act %all be us$ to transmit a fiscal ye> #bjag reque/ = ,unit$ ,/ates ,c\r?\se con/ruction only if ! reque/3 7#a7 meets ! design guide /&>ds = con/ruction z e/abli%$ & approv$ by ! ,g5]al ,s]vices ,adm9i/ration1 ! ,judicial ,conf]5ce ( ! ,unit$ ,/ates1 & ! ,(fice ( ,managem5t & ,budget2 7#b7 reflects ! priorities ( ! ,judicial ,conf]5ce ( ! ,unit$ ,/ates z set out 9 its approv$ #e-ye> con/ruction plan2 & 7#c7 includes a /&>diz$ c\rtroom utilization /udy ( ea* facility to be con/ruct$1 replac$1 or exp&$4 #ebc4 ,none ( ! funds provid$ 9 ?is ,act may be us$ to increase ! am\nt ( occupiable squ>e feet1 provide clean+ s]vices1 security enhancem5ts1 or any o!r s]vice usually provid$ ?r\gh ! ,f$]al ,build+s ,fund1 to any ag5cy t does n pay ! rate p] squ>e foot assessm5t = space & s]vices z det]m9$ by ! ,g5]al ,s]vices ,adm9i/ration 9 consid]ation ( ! ,public ,build+s ,am5dm5ts ,act ( #aigb 7,public ,law #ib-cac74 #ebd4 ,f funds made available "u ! head+ ,f$]al ,build+s ,fund1 ,limitations on ,availability ( ,rev5ue1 claims aga9/ ! ,gov]nm5t ( less ?an #bej1jjj aris+ f direct con/ruction projects & acquisition ( build+s may be liquidat$ f sav+s effect$ 9 o!r con/ruction projects ) prior notification to ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate4 #ebe4 ,9 any case 9 :i* ! ,committee on ,transportation & ,infra/ructure ( ! ,h\se ( ,repres5tatives & ! ,committee on ,environm5t & ,public ,works ( ! ,s5ate adopt a resolution grant+ lease au?ority pursuant to a prospectus transmitt$ to ,congress by ! ,adm9i/rator ( ! ,g5]al ,s]vices ,adm9i/ration "u #dj ,u4,s4,c4 #ccjg1 ! ,adm9i/rator %all ensure t ! del9eat$ area ( procurem5t is id5tical to ! del9eat$ area includ$ 9 ! prospectus = all lease agreem5ts1 except t1 if ! ,adm9i/rator det]m9es t ! del9eat$ area ( ! procurem5t %\ld n be id5tical to ! del9eat$ area includ$ 9 ! prospectus1 ! ,adm9i/rator %all provide an explanatory /atem5t to ea* ( su* committees & ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate prior to ex]cis+ any lease au?ority provid$ 9 ! resolution4 #ebf4 ,) respect to ea* project fund$ "u ! head+ 8,major ,repairs & ,alt]ations0 or 8,judici>y ,capital ,security ,program01 ! ,adm9i/rator ( ,g5]al ,s]vices %all submit a sp5d+ plan & explanation = ea* project to be und]tak5 to ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate n lat] ?an #cj days aft] ! date ( enactm5t ( ?is ,act4 #ebg4 ,any consolidation ( ! headqu>t]s ( ! ,f$]al ,bureau ( ,inve/igation mu/ result 9 a full consolidation4 ,h>ry ,s ,truman s*ol>%ip f\ndation ,sal>ies & exp5ses ,= paym5t to ! ,h>ry ,s ,truman ,s*ol>%ip ,f\ndation ,tru/ ,fund1 e/abli%$ by section #aj ( ,public ,law #ic-fdb1 #a1jjj1jjj1 to rema9 available until exp5d$4 ,m]it ,sy/ems ,protection ,bo>d ,sal>ies & ,exp5ses 7includ+ transf] ( funds7 ,= necess>y exp5ses to c>ry out functions ( ! ,m]it ,sy/ems ,protection ,bo>d pursuant to ,reorganization ,plan ,numb]$ #b ( #aigh1 ! ,civil ,s]vice ,re=m ,act ( #aigh1 & ! ,:i/lebl[] ,protection ,act ( #aihi 7#e ,u4,s4,c4 #eeji note71 includ+ s]vices z au?oriz$ by #e ,u4,s4,c4 #caji1 r5tal ( conf]5ce rooms 9 ! ,di/rict ( ,columbia & else:]e1 hire ( pass5g] motor vehicles1 direct procurem5t ( survey pr9t+1 & n to exce$ #b1jjj = (ficial reception & repres5tation exp5ses1 #db1gdj1jjj1 to rema9 available until ,septemb] #cj1 #bjag1 toge!r ) n to exce$ #b1cde1jjj1 to rema9 available until ,septemb] #cj1 #bjag1 = adm9i/rative exp5ses to adjudicate retirem5t appeals to be transf]r$ f ! ,civil ,s]vice ,retirem5t & ,disability ,fund 9 am\nts det]m9$ by ! ,m]it ,sy/ems ,protection ,bo>d4 ,morris ,k4 udall & /ew>t ,l4 udall f\ndation ,morris k4 udall & /ew>t ,l4 ,udall tru/ fund 7includ+ transf] ( funds7 ,= paym5t to ! ,morris ,k4 ,udall & ,/ew>t ,l4 ,udall ,tru/ ,fund1 pursuant to ! ,morris ,k4 ,udall & ,/ew>t ,l4 ,udall ,f\ndation ,act 7#bj ,u4,s4,c4 #efja et seq471 #a1iie1jjj1 to rema9 available until exp5d$1 ( :i*1 not)/&+ sections #h & #i ( su* ,act3 7#a7 up to #ej1jjj %all be us$ to conduct f9ancial audits pursuant to ! ,acc\ntability ( ,tax ,doll>s ,act ( #bjjb 7,public ,law #ajg-bhi72 & 7#b7 up to #a1jjj1jjj %all be available to c>ry out ! activities au?oriz$ by section #f7g7 ( ,public ,law #ajb-bei & section #hag7;a7 ( ,public ,law #ajf-efh 7#bj ,u4,s4,c4 #efjd7g773 ,provid$1 ,t ( ! total am\nt made available "u ?is head+ #bjj1jjj %all be transf]r$ to ! ,(fice ( ,inspector ,g5]al ( ! ,dep>tm5t ( ! ,int]ior1 to rema9 available until exp5d$1 = audits & inve/igations ( ! ,morris ,k4 ,udall & ,/ew>t ,l4 ,udall ,f\ndation1 consi/5t ) ! ,inspector ,g5]al ,act ( #aigh 7#e ,u4,s4,c4 ,app474 ,environm5tal dispute resolution fund ,= paym5t to ! ,environm5tal ,dispute ,resolution ,fund to c>ry out activities au?oriz$ 9 ! ,environm5tal ,policy & ,conflict ,resolution ,act ( #aiih1 #c1djj1jjj1 to rema9 available until exp5d$4 ,national ar*ives & records adm9i/ration op]at+ exp5ses ,= necess>y exp5ses 9 connection ) ! adm9i/ration ( ! ,national ,ar*ives & ,records ,adm9i/ration & ar*iv$ ,f$]al records & relat$ activities1 z provid$ by law1 & = exp5ses necess>y = ! review & declassification ( docum5ts1 ! activities ( ! ,public ,int]e/ ,declassification ,bo>d1 ! op]ations & ma9t5ance ( ! electronic records ar*ives1 ! hire ( pass5g] motor vehicles1 & = uni=ms or all[ances !re=1 z au?oriz$ by law 7#e ,u4,s4,c4 #eija71 includ+ ma9t5ance1 repairs1 & clean+1 #cgb1jjj1jjj4 (fice ( inspector g5]al ,= necess>y exp5ses ( ! ,(fice ( ,inspector ,g5]al 9 c>ry+ out ! provisions ( ! ,inspector ,g5]al ,re=m ,act ( #bjjh1 ,public ,law #aaj-dji1 #abb ,/at4 #dcjb-af 7#bjjh71 & ! ,inspector ,g5]al ,act ( #aigh 7#e ,u4,s4,c4 ,app471 & = ! hire ( pass5g] motor vehicles1 #d1ahj1jjj4 repairs & re/oration ,= ! repair1 alt]ation1 & improvem5t ( ar*ives facilities1 & to provide adequate /orage = hold+s1 #g1ejj1jjj1 to rema9 available until exp5d$3 ,provid$1 ,t f am\nts made available "u ?is head+ 9 ,public ,laws #aaa-h & #aaa-aag = necess>y exp5ses relat$ to ! repair & r5ovation ( ! ,frankl9 ,d4 ,roosevelt ,presid5tial ,libr>y & ,museum 9 ,hyde ,p>k1 ,new ,york1 ! rema9+ unobligat$ balances %all be available to implem5t ! ,national ,ar*ives & ,records ,adm9i/ration ,capital ,improvem5t ,plan4 national hi/orical publications & records commission grants program ,= necess>y exp5ses = allocations & grants = hi/orical publications & records z au?oriz$ by #dd ,u4,s4,c4 #bejd1 #e1jjj1jjj1 to rema9 available until exp5d$4 ,national ,cr$it ,union ,adm9i/ration community developm5t revolv+ loan fund ,= ! ,community ,developm5t ,revolv+ ,loan ,fund program z au?oriz$ by #db ,u4,s4,c4 #ihab1 #ihbb & #iiaj1 #b1jjj1jjj %all be available until ,septemb] #cj1 #bjag1 = te*nical assi/ance to l[-income designat$ cr$it unions4 ,(fice ( ,gov]nm5t ,e?ics sal>ies & exp5ses ,= necess>y exp5ses to c>ry out functions ( ! ,(fice ( ,gov]nm5t ,e?ics pursuant to ! ,e?ics 9 ,gov]nm5t ,act ( #aigh1 ! ,e?ics ,re=m ,act ( #aihi1 & ! ,/op ,trad+ on ,congressional ,k ,act ( #bjab1 includ+ s]vices z au?oriz$ by #e ,u4,s4,c4 #caji1 r5tal ( conf]5ce rooms 9 ! ,di/rict ( ,columbia & else:]e1 hire ( pass5g] motor vehicles1 & n to exce$ #a1ejj = (ficial reception & repres5tation exp5ses1 #ae1dbj1jjj4 ,(fice ( p]sonnel managem5t ,sal>ies & exp5ses 7includ+ transf] ( tru/ funds7 ,= necess>y exp5ses to c>ry out functions ( ! ,(fice ( ,p]sonnel ,managem5t 7,,opm7 pursuant to ,reorganization ,plan ,numb]$ #b ( #aigh & ! ,civil ,s]vice ,re=m ,act ( #aigh1 includ+ s]vices z au?oriz$ by #e ,u4,s4,c4 #caji2 m$ical exam9ations p]=m$ = vet]ans by private physicians on a fee basis2 r5tal ( conf]5ce rooms 9 ! ,di/rict ( ,columbia & else:]e2 hire ( pass5g] motor vehicles2 n to exce$ #b1ejj = (ficial reception & repres5tation exp5ses2 advances = reimbursem5ts to applicable funds ( ,,opm & ! ,f$]al ,bureau ( ,inve/igation = exp5ses incurr$ "u ,executive ,ord] ,no4 #ajdbb ( ,janu>y #i1 #aiec1 z am5d$2 & paym5t ( p] diem &_/or subsi/5ce all[ances to employees :]e ,vot+ ,rights ,act activities require an employee to rema9 ov]night at 8 or h] po/ ( duty1 #aai1bci1jjj1 ( :i* #faf1jjj may be = /r5g!n+ ! capacity & capabilities ( ! acquisition work=ce 7z def9$ by ! ,(fice ( ,f$]al ,procurem5t ,policy ,act1 z am5d$ 7#da ,u4,s4,c4 #djja et seq4771 includ+ ! recruitm5t1 hir+1 tra9+1 & ret5tion ( su* work=ce & in=mation te*nology 9 support ( acquisition work=ce effectiv5ess or = managem5t solutions to improve acquisition managem5t2 & 9 addition #aah1dbe1jjj = adm9i/rative exp5ses1 to be transf]r$ f ! appropriate tru/ funds ( ,,opm )\t reg>d to o!r /atutes1 includ+ direct procurem5t ( pr9t$ mat]ials1 = ! retirem5t & insurance programs3 ,provid$1 ,t ! provisions ( ?is appropriation %all n affect ! au?ority to use applicable tru/ funds z provid$ by sections #hcdh7;a77#a77;,b71 #hieh7;f77#b77;,a71 #hihh7;f77#b77;,a71 & #ijjd7;f77#b77;,a7 ( title #e1 ,unit$ ,/ates ,code3 ,provid$ fur!r1 ,t no "p ( ?is appropriation %all be available = sal>ies & exp5ses ( ! ,legal ,exam9+ ,unit ( ,,opm e/abli%$ pursuant to ,executive ,ord] ,no4 #iceh ( ,july #a1 #aidc1 or any successor unit ( l purpose3 ,provid$ fur!r1 ,t ! ,presid5t's ,commission on ,:ite ,h\se ,fell[s1 e/abli%$ by ,executive ,ord] ,no4 #aaahc ( ,octob] #c1 #aifd1 may1 dur+ fiscal ye> #bjaf1 accept donations ( money1 prop]ty1 & p]sonal s]vices3 ,provid$ fur!r1 ,t su* donations1 includ+ ^? f prior ye>s1 may be us$ = ! developm5t ( publicity mat]ials to provide in=mation ab\t ! ,:ite ,h\se ,fell[s1 except t no su* donations %all be accept$ = travel or reimbursem5t ( travel exp5ses1 or = ! sal>ies ( employees ( su* ,commission4 ,(fice ( ,inspector ,g5]al sal>ies & exp5ses 7includ+ transf] ( tru/ funds7 ,= necess>y exp5ses ( ! ,(fice ( ,inspector ,g5]al 9 c>ry+ out ! provisions ( ! ,inspector ,g5]al ,act ( #aigh1 includ+ s]vices z au?oriz$ by #e ,u4,s4,c4 #caji1 hire ( pass5g] motor vehicles1 #d1chd1jjj1 & 9 addition1 n to exce$ #bb1dgi1jjj = adm9i/rative exp5ses to audit1 inve/igate1 & provide o!r ov]sight ( ! ,(fice ( ,p]sonnel ,managem5t's retirem5t & insurance programs1 to be transf]r$ f ! appropriate tru/ funds ( ! ,(fice ( ,p]sonnel ,managem5t1 z det]m9$ by ! ,inspector ,g5]al3 ,provid$1 ,t ! ,inspector ,g5]al is au?oriz$ to r5t conf]5ce rooms 9 ! ,di/rict ( ,columbia & else:]e4 ,(fice ( ,special ,c\nsel sal>ies & exp5ses ,= necess>y exp5ses to c>ry out functions ( ! ,(fice ( ,special ,c\nsel pursuant to ,reorganization ,plan ,numb]$ #b ( #aigh1 ! ,civil ,s]vice ,re=m ,act ( #aigh 7,public ,law #ie-ded71 ! ,:i/lebl[] ,protection ,act ( #aihi 7,public ,law #aja-ab7 z am5d$ by ,public ,law #ajg-cjd1 ! ,:i/lebl[] ,protection ,enhancem5t ,act ( #bjab 7,public ,law #aab-aii71 & ! ,uni=m$ ,s]vices ,employm5t & ,reemploym5t ,rights ,act ( #aiid 7,public ,law #ajc-cec71 includ+ s]vices z au?oriz$ by #e ,u4,s4,c4 #caji1 paym5t ( fees & exp5ses = witnesses1 r5tal ( conf]5ce rooms 9 ! ,di/rict ( ,columbia & else:]e1 & hire ( pass5g] motor vehicles2 #bc1ejj1jjj4 ,po/al regulatory commission ,sal>ies & exp5ses 7includ+ transf] ( funds7 ,= necess>y exp5ses ( ! ,po/al ,regulatory ,commission 9 c>ry+ out ! provisions ( ! ,po/al ,acc\ntability & ,enhancem5t ,act 7,public ,law #aji-dce71 #ae1jjj1jjj1 to be d]iv$ by transf] f ! ,po/al ,s]vice ,fund & exp5d$ z au?oriz$ by section #fjc7;a7 ( su* ,act4 ,privacy & ,civil ,lib]ties ,ov]sight ,bo>d ,sal>ies & ,exp5ses ,= necess>y exp5ses ( ! ,privacy & ,civil ,lib]ties ,ov]sight ,bo>d1 z au?oriz$ by section #ajfa ( ! ,intellig5ce ,re=m & ,t]rorism ,prev5tion ,act ( #bjjd 7#db ,u4,s4,c4 #bjjj;ee71 #bc1big1jjj1 to rema9 available until ,septemb] #cj1 #bjag4 ,securities & ,ex*ange ,commission ,sal>ies & exp5ses ,= necess>y exp5ses = ! ,securities & ,ex*ange ,commission1 includ+ s]vices z au?oriz$ by #e ,u4,s4,c4 #caji1 ! r5tal ( space 7to include multiple ye> leases7 9 ! ,di/rict ( ,columbia & else:]e1 & n to exce$ #c1ejj = (ficial reception & repres5tation exp5ses1 #a1ejj1jjj1jjj1 to rema9 available until exp5d$2 ( :i* n less ?an #aa1cae1iga %all be = ! ,(fice ( ,inspector ,g5]al2 ( :i* n to exce$ #ge1jjj %all be available = a p]man5t secret>iat = ! ,int]national ,organization ( ,securities ,commissions2 ( :i* n to exce$ #ajj1jjj %all be available = exp5ses = consultations & meet+s ho/$ by ! ,commission ) =eign gov]nm5tal & o!r regulatory (ficials1 memb]s ( _! delegations & /affs to ex*ange views conc]n+ securities matt]s1 su* exp5ses to include necess>y logi/ic & adm9i/rative exp5ses & ! exp5ses ( ,commission /aff & =eign invitees 9 att5dance includ+3 7#a7 incid5tal exp5ses su* z meals2 7#b7 travel & transportation2 & 7#c7 relat$ lodg+ or subsi/5ce2 & ( :i* n less ?an #fj1iga1jjj %all be = ! ,division ( ,economic & ,risk ,analysis3 ,provid$1 ,t fees & *>ges au?oriz$ by section #ca ( ! ,securities ,ex*ange ,act ( #aicd 7#ae ,u4,s4,c4 #gh;ee7 %all be cr$it$ to ?is acc\nt z (fsett+ collections3 ,provid$ fur!r1 ,t n to exce$ #a1ejj1jjj1jjj ( su* (fsett+ collections %all be available until exp5d$ = necess>y exp5ses ( ?is acc\nt3 ,provid$ fur!r1 ,t ! total am\nt appropriat$ "u ?is head+ f ! g5]al fund = fiscal ye> #bjaf %all be r$uc$ z su* (fsett+ fees are receiv$ s z to result 9 a f9al total fiscal ye> #bjaf appropriation f ! g5]al fund e/imat$ at n m ?an #j4 ,selective ,s]vice ,sy/em sal>ies & exp5ses ,= necess>y exp5ses ( ! ,selective ,s]vice ,sy/em1 includ+ exp5ses ( att5dance at meet+s & ( tra9+ = uni=m$ p]sonnel assign$ to ! ,selective ,s]vice ,sy/em1 z au?oriz$ by #e ,u4,s4,c4 #daja-daah = civilian employees2 hire ( pass5g] motor vehicles2 s]vices z au?oriz$ by #e ,u4,s4,c4 #caji2 & n to exce$ #gej = (ficial reception & repres5tation exp5ses2 #bb1gjc1jjj3 ,provid$1 ,t dur+ ! curr5t fiscal ye>1 ! ,presid5t may exempt ?is appropriation f ! provisions ( #ca ,u4,s4,c4 #acda1 :5ev] ! ,presid5t deems su* action to be necess>y 9 ! int]e/ ( national def5se3 ,provid$ fur!r1 ,t none ( ! funds appropriat$ by ?is ,act may be exp5d$ = or 9 connection ) ! induction ( any p]son into ! ,arm$ ,=ces ( ! ,unit$ ,/ates4 ,small ,bus9ess ,adm9i/ration ,sal>ies & exp5ses ,= necess>y exp5ses1 n o!rwise provid$ =1 ( ! ,small ,bus9ess ,adm9i/ration1 includ+ hire ( pass5g] motor vehicles z au?oriz$ by sections #acdc & #acdd ( title #ca1 ,unit$ ,/ates ,code1 & n to exce$ #c1ejj = (ficial reception & repres5tation exp5ses1 #beg1jjj1jjj1 ( :i* n less ?an #ab1jjj1jjj %all be available = exam9ations1 reviews1 & o!r l5d] ov]sight activities3 ,provid$1 ,t ! ,adm9i/rator is au?oriz$ to *>ge fees to cov] ! co/ ( publications develop$ by ! ,small ,bus9ess ,adm9i/ration1 & c]ta9 loan program activities1 includ+ fees au?oriz$ by section #e7;b7 ( ! ,small ,bus9ess ,act3 ,provid$ fur!r1 ,t1 not)/&+ #ca ,u4,s4,c4 #ccjb1 rev5ues receiv$ f all su* activities %all be cr$it$ to ?is acc\nt1 to rema9 available until exp5d$1 = c>ry+ out ^! purposes )\t fur!r appropriations3 ,provid$ fur!r1 ,t ! ,small ,bus9ess ,adm9i/ration may accept gifts 9 an am\nt n to exce$ #d1jjj1jjj & may co-sponsor activities1 ea* 9 accordance ) section #acb7;a7 ( division ,k ( ,public ,law #ajh-ddg1 dur+ fiscal ye> #bjaf3 ,provid$ fur!r1 ,t #f1ajj1jjj %all be available = ! ,loan ,mod]nization & ,acc\nt+ ,sy/em1 to be available until ,septemb] #cj1 #bjag3 ,provid$ fur!r1 ,t #c1jjj1jjj %all be = ! ,f$]al & ,/ate ,te*nology ,p>tn]%ip ,program "u section #cd ( ! ,small ,bus9ess ,act 7#ae ,u4,s4,c4 #feg;d74 ,entrepr5eurial ,developm5t ,programs ,= necess>y exp5ses ( programs support+ entrepr5eurial & small bus9ess developm5t1 #bbj1aej1jjj1 to rema9 available until ,septemb] #cj1 #bjag3 ,provid$1 ,t #aae1jjj1jjj %all be available to fund grants = p]=mance 9 fiscal ye> #bjaf or fiscal ye> #bjag z au?oriz$ by section #ba ( ! ,small ,bus9ess ,act3 ,provid$ fur!r1 ,t #be1jjj1jjj %all be = m>ket+1 managem5t1 & te*nical assi/ance "u section #g7m7 ( ! ,small ,bus9ess ,act 7#ae ,u4,s4,c4 #fcf7m77#d77 by int]m$i>ies t make microloans "u ! microloan program3,provid$ fur!r1 ,t #ag1djj1jjj %all be available = grants to ,/ates to c>ry out export programs t assi/ small bus9ess conc]ns au?oriz$ "u section #abjg ( ,public ,law #aaa-bdj4 (fice ( inspector g5]al ,= necess>y exp5ses ( ! ,(fice ( ,inspector ,g5]al 9 c>ry+ out ! provisions ( ! ,inspector ,g5]al ,act ( #aigh1 #ai1ijj1jjj4 ,(fice ( ,advocacy ,= necess>y exp5ses ( ! ,(fice ( ,advocacy 9 c>ry+ out ! provisions ( title ,,ii ( ,public ,law #id-cje 7#ae ,u4,s4,c4 #fcd;a et seq47 & ! ,regulatory ,flexibility ,act ( #aihj 7#e ,u4,s4,c4 #fja et seq471 #i1abj1jjj1 to rema9 available until exp5d$4 ,bus9ess loans program acc\nt 7includ+ transf] ( funds7 ,= ! co/ ( direct loans1 #c1cch1agb1 to rema9 available until exp5d$3 ,provid$1 ,t su* co/s1 includ+ ! co/ ( modify+ su* loans1 %all be z def9$ 9 section #ejb ( ! ,congressional ,budget ,act ( #aigd3 ,provid$ fur!r1 ,t subject to section #ejb ( ! ,congressional ,budget ,act ( #aigd1 dur+ fiscal ye> #bjaf commitm5ts to gu>antee loans "u section #ejc ( ! ,small ,bus9ess ,inve/m5t ,act ( #aieh %all n exce$ #g1ejj1jjj1jjj3 ,provid$ fur!r1 ,t dur+ fiscal ye> #bjaf commitm5ts = g5]al bus9ess loans au?oriz$ "u section #g7;a7 ( ! ,small ,bus9ess ,act %all n exce$ #bc1ejj1jjj1jjj = a comb9ation ( amortiz+ t]m loans & ! aggregat$ maximum l9e ( cr$it provid$ by revolv+ loans3 ,provid$ fur!r1 ,t dur+ fiscal ye> #bjaf commitm5ts = loans au?oriz$ "u subp>agraph 7,c7 ( section #ejb7g7 ( ,! ,small ,bus9ess ,inve/m5t ,act ( #aieh 7#ae ,u4,s4,c4 #fif7g77 %all n exce$ #g1ejj1jjj3 ,provid$ fur!r1 ,t dur+ fiscal ye> #bjaf commitm5ts to gu>antee loans = deb5tures "u section #cjc7;b7 ( ! ,small ,bus9ess ,inve/m5t ,act ( #aieh %all n exce$ #d1jjj1jjj1jjj3 ,provid$ fur!r1 ,t dur+ fiscal ye> #bjaf1 gu>antees ( tru/ c]tificates au?oriz$ by section #e7;g7 ( ! ,small ,bus9ess ,act %all n exce$ a pr9cipal am\nt ( #ab1jjj1jjj1jjj4 ,9 addition1 = adm9i/rative exp5ses to c>ry out ! direct & gu>ante$ loan programs1 #aeb1gbe1hbh1 :i* may be transf]r$ to & m]g$ ) ! appropriations = ,sal>ies & ,exp5ses4 ,disa/] ,loans ,program ,acc\nt 7includ+ transf]s ( funds7 ,= adm9i/rative exp5ses to c>ry out ! direct loan program au?oriz$ by section #g7;b7 ( ! ,small ,bus9ess ,act1 #ahf1heh1jjj1 to be available until exp5d$1 ( :i* #a1jjj1jjj is = ! ,(fice ( ,inspector ,g5]al ( ! ,small ,bus9ess ,adm9i/ration = audits & reviews ( disa/] loans & ! disa/] loan programs & %all be transf]r$ to & m]g$ ) ! appropriations = ! ,(fice ( ,inspector ,g5]al2 ( :i* #agf1heh1jjj is = direct adm9i/rative exp5ses ( loan mak+ & s]vic+ to c>ry out ! direct loan program1 :i* may be transf]r$ to & m]g$ ) ! appropriations = ,sal>ies & ,exp5ses2 & ( :i* #i1jjj1jjj is = indirect adm9i/rative exp5ses = ! direct loan program1 :i* may be transf]r$ to & m]g$ ) ! appropriations = ,sal>ies & ,exp5ses3 ,provid$1 ,t1 ( ! funds provid$ h]e91 #aeh1hbi1jjj %all be = major disa/]s decl>$ pursuant to ! ,rob]t ,t4 ,/af=d ,disa/] ,relief & ,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 #eabb7b772 #aea1agi1jad is = direct adm9i/rative exp5ses ( loan mak+ & s]vic+ to c>ry out ! direct loan program2 & #g1fdi1ihf is = indirect adm9i/rative exp5ses = ! direct loan program3 ,provid$ fur!r1 ,t ! am\nt = major disa/]s "u ?is head+ is designat$ by ,congress z be+ = disa/] relief pursuant to section #bea7;b77#b77;,d7 ( ! ,balanc$ ,budget & ,em]g5cy ,deficit ,control ,act ( #aihe 7,public ,law #ii-agg71 z am5d$4 adm9i/rative provisions--small bus9ess adm9i/ration 7includ+ transf] ( funds7 #ecj4 ,n to exce$ #e p]c5t ( any appropriation made available = ! curr5t fiscal ye> = ! ,small ,bus9ess ,adm9i/ration 9 ?is ,act may be transf]r$ betwe5 su* appropriations1 b no su* appropriation %all be increas$ by m ?an #aj p]c5t by any su* transf]s3 ,provid$1 ,t any transf] pursuant to ?is p>agraph %all be treat$ z a reprogramm+ ( funds "u section #fjh ( ?is ,act & %all n be available = obligation or exp5diture except 9 compliance ) ! proc$ures set =? 9 t section4 #eca4 7a7 ,none ( ! funds made available "u ?is ,act may be us$ to collect a gu>antee fee "u section #g7;a77#ah7 ( ! ,small ,bus9ess ,act 7#ae ,u4,s4,c4 #fcf7;a77#ah77 ) respect to a loan gu>ante$ "u section #g7;a77#ca7 ( su* ,act t is made to a small bus9ess conc]n 7z def9$ "u section #c ( su* ,act 7#ae ,u4,s4,c4 #fcb77 t is #ea p]c5t or m own$ & controll$ by #a or m individuals :o is a vet]an 7z def9$ 9 section #aja ( title #ch1 ,unit$ ,/ates ,code7 or ! sp\se ( a vet]an4 7b7 ,no?+ 9 ?is section %all be con/ru$ to limit ! au?ority ( ! ,adm9i/rator ( ! ,small ,bus9ess ,adm9i/ration to waive su* a gu>antee fee or any o!r loan fee ) respect to a loan to a small bus9ess conc]n describ$ 9 subsection 7a7 or any o!r borr[]4 #ecb4 ,subp>agraph 7,c7 ( section #ejb7g7 ( ! ,small ,bus9ess ,inve/m5t ,act ( #aieh 7#ae ,u4,s4,c #fif7g771 z 9 effect on ,septemb] #be1 #bjab1 %all be 9 effect dur+ fiscal ye> #bjaf4 ,unit$ /ates po/al s]vice ,paym5t to ! po/al s]vice fund ,= paym5t to ! ,po/al ,s]vice ,fund = rev5ue =gone on free & r$uc$ rate mail1 pursuant to subsections 7c7 & 7d7 ( section #bdja ( title #ci1 ,unit$ ,/ates ,code1 #di1ibc1jjj1 :i* %all n be available = obligation until ,octob] #a1 #bjaf3 ,provid$1 ,t mail = ov]seas vot+ & mail = ! bl9d %all cont9ue to be free3 ,provid$ fur!r1 ,t #f-;day deliv]y & rural deliv]y ( mail %all cont9ue at n less ?an ! #aihc level3 ,provid$ fur!r1 ,t none ( ! funds made available to ! ,po/al ,s]vice by ?is ,act %all be us$ to implem5t any rule1 regulation1 or policy ( *>g+ any (fic] or employee ( any ,/ate or local *ild support en=cem5t ag5cy1 or any individual p>ticipat+ 9 a ,/ate or local program ( *ild support en=cem5t1 a fee = in=mation reque/$ or provid$ conc]n+ an address ( a po/al cu/om]3 ,provid$ fur!r1 ,t none ( ! funds provid$ 9 ?is ,act %all be us$ to consolidate or close small rural & o!r small po/ (fices4 ,(fice ( inspector g5]al ,sal>ies & exp5ses 7includ+ transf] ( funds7 ,= necess>y exp5ses ( ! ,(fice ( ,inspector ,g5]al 9 c>ry+ out ! provisions ( ! ,inspector ,g5]al ,act ( #aigh1 #bdc1hhc1jjj1 to be d]iv$ by transf] f ! ,po/al ,s]vice ,fund & exp5d$ z au?oriz$ by section #fjc7;b77#c7 ( ! ,po/al ,acc\ntability & ,enhancem5t ,act 7,public ,law #aji-dce74 ,unit$ /ates tax c\rt ,sal>ies & exp5ses ,= necess>y exp5ses1 includ+ contract report+ & o!r s]vices z au?oriz$ by #e ,u4,s4,c4 #caji1 #ea1cjj1jjj3 ,provid$1 ,t travel exp5ses ( ! judges %all be paid ^u ! writt5 c]tificate ( ! judge4 ,,vi ,g5]al provisions--?is act 7,includ+ rescission7 #fja4 ,none ( ! funds 9 ?is ,act %all be us$ = ! plann+ or execution ( any program to pay ! exp5ses (1 or o!rwise comp5sate1 non-,f$]al p>ties int]v5+ 9 regulatory or adjudicatory proce$+s fund$ 9 ?is ,act4 #fjb4 ,none ( ! funds appropriat$ 9 ?is ,act %all rema9 available = obligation beyond ! curr5t fiscal ye>1 nor may any be transf]r$ to o!r appropriations1 unless expressly s provid$ h]e94 #fjc4 ,! exp5diture ( any appropriation "u ?is ,act = any consult+ s]vice ?r\gh procurem5t contract pursuant to #e ,u4,s4,c4 #caji1 %all be limit$ to ^? contracts :]e su* exp5ditures are a matt] ( public record & available = public inspection1 except :]e o!rwise provid$ "u exi/+ law1 or "u exi/+ ,executive ord] issu$ pursuant to exi/+ law4 #fjd4 ,none ( ! funds made available 9 ?is ,act may be transf]r$ to any dep>tm5t1 ag5cy1 or in/rum5tality ( ! ,unit$ ,/ates ,gov]nm5t1 except pursuant to a transf] made by1 or transf] au?ority provid$ 91 ?is ,act or any o!r appropriations ,act4 #fje4 ,none ( ! funds made available by ?is ,act %all be available = any activity or = pay+ ! sal>y ( any ,gov]nm5t employee :]e fund+ an activity or pay+ a sal>y to a ,gov]nm5t employee w\ld result 9 a decision1 det]m9ation1 rule1 regulation1 or policy t w\ld prohibit ! en=cem5t ( section #cjg ( ! ,t>iff ,act ( #aicj 7#ai ,u4,s4,c4 #acjg74 #fjf4 ,no funds appropriat$ pursuant to ?is ,act may be exp5d$ by an entity unless ! entity agrees t 9 exp5d+ ! assi/ance ! entity w comply ) *apt] #hc ( title #da1 ,unit$ ,/ates ,code4 #fjg4 ,no funds appropriat$ or o!rwise made available "u ?is ,act %all be made available to any p]son or entity t has be5 convict$ ( violat+ *apt] #hc ( title #da1 ,unit$ ,/ates ,code4 #fjh4 ,except z o!rwise provid$ 9 ?is ,act1 none ( ! funds provid$ 9 ?is ,act1 provid$ by previ\s appropriations ,acts to ! ag5cies or entities fund$ 9 ?is ,act t rema9 available = obligation or exp5diture 9 fiscal ye> #bjaf1 or provid$ f any acc\nts 9 ! ,treasury d]iv$ by ! collection ( fees & available to ! ag5cies fund$ by ?is ,act1 %all be available = obligation or exp5diture ?r\gh a reprogramm+ ( funds t3 7#a7 creates a new program2 7#b7 elim9ates a program1 project1 or activity2 7#c7 increases funds or p]sonnel = any program1 project1 or activity = :i* funds h be5 d5i$ or re/rict$ by ! ,congress2 7#d7 proposes to use funds direct$ = a specific activity by ! ,committee on ,appropriations ( ei!r ! ,h\se ( ,repres5tatives or ! ,s5ate = a diff]5t purpose2 7#e7 augm5ts exi/+ programs1 projects1 or activities 9 excess ( #e1jjj1jjj or #aj p]c5t1 :i*ev] is less2 7#f7 r$uces exi/+ programs1 projects1 or activities by #e1jjj1jjj or #aj p]c5t1 :i*ev] is less2 or 7#g7 creates or reorganizes (fices1 programs1 or activities unless prior approval is receiv$ f ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate3 ,provid$1 ,t prior to any significant reorganization or re/ructur+ ( (fices1 programs1 or activities1 ea* ag5cy or entity fund$ 9 ?is ,act %all consult ) ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate3 ,provid$ fur!r1 ,t n lat] ?an #fj days aft] ! date ( enactm5t ( ?is ,act1 ea* ag5cy fund$ by ?is ,act %all submit a report to ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate to e/abli% ! basel9e = application ( reprogramm+ & transf] au?orities = ! curr5t fiscal ye>3 ,provid$ fur!r1 ,t at a m9imum ! report %all include3 7#a7 a table = ea* appropriation ) a sep>ate column to display ! ,presid5t's budget reque/1 adju/m5ts made by ,congress1 adju/m5ts due to enact$ rescissions1 if appropriate1 & ! fiscal ye> enact$ level2 7#b7 a del9eation 9 ! table = ea* appropriation bo? by object class & program1 project1 & activity z detail$ 9 ! budget app5dix = ! respective appropriation2 & 7#c7 an id5tification ( items ( special congressional int]e/3 ,provid$ fur!r1 ,t ! am\nt appropriat$ or limit$ = sal>ies & exp5ses = an ag5cy %all be r$uc$ by #ajj1jjj p] day = ea* day aft] ! requir$ date t ! report has n be5 submitt$ to ! ,congress4 #fji4 ,except z o!rwise specifically provid$ by law1 n to exce$ #ej p]c5t ( unobligat$ balances rema9+ available at ! end ( fiscal ye> #bjaf f appropriations made available = sal>ies & exp5ses = fiscal ye> #bjaf 9 ?is ,act1 %all rema9 available ?r\gh ,septemb] #cj1 #bjag1 = ea* su* acc\nt = ! purposes au?oriz$3 ,provid$1 ,t a reque/ %all be submitt$ to ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate = approval prior to ! exp5diture ( su* funds3 ,provid$ fur!r1 ,t ^! reque/s %all be made 9 compliance ) reprogramm+ guidel9es4 #faj4 7a7 ,none ( ! funds made available 9 ?is ,act may be us$ by ! ,executive ,(fice ( ! ,presid5t to reque/-- 7#a7 any (ficial backgr\nd inve/igation report on any individual f ! ,f$]al ,bureau ( ,inve/igation2 or 7#b7 a det]m9ation ) respect to ! treatm5t ( an organization z describ$ 9 section #eja7;c7 ( ! ,int]nal ,rev5ue ,code ( #aihf & exempt f taxation "u section #eja7;a7 ( su* ,code f ! ,dep>tm5t ( ! ,treasury or ! ,int]nal ,rev5ue ,s]vice4 7b7 ,subsection 7a7 %all n apply-- 7#a7 9 ! case ( an (ficial backgr\nd inve/igation report1 if su* individual has giv5 express writt5 cons5t = su* reque/ n m ?an #f mon?s prior to ! date ( su* reque/ & dur+ ! same presid5tial adm9i/ration2 or 7#b7 if su* reque/ is requir$ due to extraord9>y circum/ances involv+ national security4 #faa4 ,! co/ acc\nt+ /&>ds promulgat$ "u *apt] #ae ( title #da1 ,unit$ ,/ates ,code %all n apply ) respect to a contract "u ! ,f$]al ,employees ,heal? ,b5efits ,program e/abli%$ "u *apt] #hi ( title #e1 ,unit$ ,/ates ,code4 #fab4 ,= ! purpose ( resolv+ litigation & implem5t+ any settlem5t agreem5ts reg>d+ ! non=eign area co/-(-liv+ all[ance program1 ! ,(fice ( ,p]sonnel ,managem5t may accept & utilize 7)\t reg>d to any re/riction on unanticipat$ travel exp5ses impos$ 9 an ,appropriations ,act7 funds made available to ! ,(fice ( ,p]sonnel ,managem5t pursuant to c\rt approval4 #fac4 ,no funds appropriat$ by ?is ,act %all be available to pay = an abortion1 or ! adm9i/rative exp5ses 9 connection ) any heal? plan "u ! ,f$]al employees heal? b5efits program :i* provides any b5efits or cov]age = abortions4 #fad4 ,! provision ( section #fac %all n apply :]e ! life ( ! "m w\ld be endang]$ if ! fetus 7 c>ri$ to t]m1 or ! pregnancy is ! result ( an act ( rape or ince/4 #fae4 ,9 ord] to promote ,gov]nm5t access to comm]cial in=mation te*nology1 ! re/riction on pur*as+ nondome/ic articles1 mat]ials1 & supplies set =? 9 *apt] #hc ( title #da1 ,unit$ ,/ates ,code 7popul>ly kn[n z ! ,buy ,am]ican ,act71 %all n apply to ! acquisition by ! ,f$]al ,gov]nm5t ( in=mation te*nology 7z def9$ 9 section #aaaja ( title #dj1 ,unit$ ,/ates ,code71 t is a comm]cial item 7z def9$ 9 section #ajc ( title #da1 ,unit$ ,/ates ,code74 #faf4 ,not)/&+ section #acec ( title #ca1 ,unit$ ,/ates ,code1 no (fic] or employee ( any regulatory ag5cy or commission fund$ by ?is ,act may accept on behalf ( t ag5cy1 nor may su* ag5cy or commission accept1 paym5t or reimbursem5t f a non-,f$]al entity = travel1 subsi/5ce1 or relat$ exp5ses = ! purpose ( enabl+ an (fic] or employee to att5d & p>ticipate 9 any meet+ or simil> function relat+ to ! (ficial duties ( ! (fic] or employee :5 ! entity (f]+ paym5t or reimbursem5t is a p]son or entity subject to regulation by su* ag5cy or commission1 or repres5ts a p]son or entity subject to regulation by su* ag5cy or commission1 unless ! p]son or entity is an organization describ$ 9 section #eja7;c77#c7 ( ! ,int]nal ,rev5ue ,code ( #aihf & exempt f tax "u section #eja7;a7 ( su* ,code4 #fag4 ,not)/&+ section #gjh ( ?is ,act1 funds made available to ! ,commodity ,futures ,trad+ ,commission & ! ,securities & ,ex*ange ,commission by ?is or any o!r ,act may be us$ = ! int]ag5cy fund+ & sponsor%ip ( a jo9t advisory committee to advise on em]g+ regulatory issues4 #fah4 7a7 7#a7 ,not)/&+ any o!r provision ( law1 an ,executive ag5cy cov]$ by ?is ,act o!rwise au?oriz$ to ent] into contracts = ei!r leases or ! con/ruction or alt]ation ( real prop]ty = (fice1 meet+1 /orage1 or o!r space mu/ consult ) ! ,g5]al ,s]vices ,adm9i/ration be=e issu+ a solicitation = (f]s ( new leases or con/ruction contracts1 & 9 ! case ( succe$+ leases1 be=e ent]+ into negotiations ) ! curr5t lessor4 7#b7 ,any su* ag5cy ) au?ority to ent] into an em]g5cy lease may d s dur+ any p]iod decl>$ by ! ,presid5t to require em]g5cy leas+ au?ority ) respect to su* ag5cy4 7b7 ,= purposes ( ?is section1 ! t]m ,executive ag5cy cov]$ by ?is ,act means any ,executive ag5cy provid$ funds by ?is ,act1 b does n include ! ,g5]al ,s]vices ,adm9i/ration or ! ,unit$ ,/ates ,po/al ,s]vice4 #fai4 7a7 ,!re are appropriat$ = ! foll[+ activities ! am\nts requir$ "u curr5t law3 7#a7 ,comp5sation ( ! ,presid5t 7#c ,u4,s4,c4 #ajb74 7#b7 ,paym5ts to-- 7,a7 ! ,judicial ,(fic]s' ,retirem5t ,fund 7#bh ,u4,s4,c4 #cgg7o772 7,b7 ! ,judicial ,survivors' ,annuities ,fund 7#bh ,u4,s4,c4 #cgf7;c772 & 7,c7 ! ,unit$ ,/ates ,c\rt ( ,f$]al ,claims ,judges' ,retirem5t ,fund 7#bh ,u4,s4,c4 #agh7l774 7#c7 ,paym5t ( ,gov]nm5t contributions-- 7,a7 ) respect to ! heal? b5efits ( retir$ employees1 z au?oriz$ by *apt] #hi ( title #e1 ,unit$ ,/ates ,code1 & ! ,retir$ ,f$]al ,employees ,heal? ,b5efits ,act 7#gd ,/at4 #hdi72 & 7,b7 ) respect to ! life insurance b5efits = employees retir+ aft] ,decemb] #ca1 #aihi 7#e ,u4,s4,c4 *4 #hg74 7#d7 ,paym5t to f9ance ! unfund$ liability ( new & increas$ annuity b5efits "u ! ,civil ,s]vice ,retirem5t & ,disability ,fund 7#e ,u4,s4,c4 #hcdh74 7#e7 ,paym5t ( annuities au?oriz$ to be paid f ! ,civil ,s]vice ,retirem5t & ,disability ,fund by /atutory provisions o!r ?an sub*apt] ,,iii ( *apt] #hc or *apt] #hd ( title #e1 ,unit$ ,/ates ,code4 7b7 ,no?+ 9 ?is section may be con/ru$ to exempt any am\nt appropriat$ by ?is section f any o!rwise applicable limitation on ! use ( funds conta9$ 9 ?is ,act4 #fbj4 ,! ,public ,company ,acc\nt+ ,ov]sight ,bo>d 7,bo>d7 %all h au?ority to obligate funds = ! s*ol>%ip program e/abli%$ by section #aji7;c77#b7 ( ! ,s>banes-,oxley ,act ( #bjjb 7,public ,law #ajg-bjd7 9 an aggregate am\nt n exce$+ ! am\nt ( funds collect$ by ! ,bo>d z ( ,decemb] #ca1 #bjae1 includ+ accru$ int]e/1 z a result ( ! assessm5t ( monet>y p5alties4 ,funds available = obligation 9 fiscal ye> #bjaf %all rema9 available until exp5d$4 #fba4 ,none ( ! funds made available 9 ?is ,act may be us$ by ! ,f$]al ,trade ,commission to complete ! draft report entitl$ ,int]ag5cy ,work+ ,gr\p on ,food ,m>ket$ to ,*ildr53 ,prelim9>y ,propos$ ,nutrition ,pr9ciples to ,guide ,indu/ry ,self-,regulatory ,ef=ts unless ! ,int]ag5cy ,work+ ,gr\p on ,food ,m>ket$ to ,*ildr5 complies ) ,executive ,ord] ,no4 #acefc4 #fbb4 ,none ( ! funds made available by ?is ,act may be us$ to pay ! sal>ies & exp5ses = ! foll[+ positions3 7#a7 ,director1 ,:ite ,h\se ,(fice ( ,heal? ,re=m4 7#b7 ,assi/ant to ! ,presid5t = ,en]gy & ,climate ,*ange4 7#c7 ,s5ior ,advisor to ! ,secret>y ( ! ,treasury assign$ to ! ,presid5tial ,task ,=ce on ! ,auto ,indu/ry & ,s5ior ,c\nselor = ,manufactur+ ,policy4 7#d7 ,:ite ,h\se ,director ( ,urban ,affairs4 #fbc4 ,none ( ! funds 9 ?is ,act may be us$ = ! ,director ( ! ,(fice ( ,p]sonnel ,managem5t to aw>d a contract1 ent] an ext5sion (1 or ex]cise an option on a contract to a contractor conduct+ ! f9al quality review processes = backgr\nd inve/igation fieldwork s]vices or backgr\nd inve/igation support s]vices t1 z ( ! date ( ! aw>d ( ! contract1 are be+ conduct$ by t contractor4 #fbd4 ,ea* executive ag5cy cov]$ by ?is ,act %all include1 9 its fiscal ye> #bjag budget ju/ification mat]ials submitt$ to ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate1 a sep>ate table briefly describ+ ! top managem5t *all5ges = fiscal ye> #bjaf z id5tifi$ by ! ag5cy inspector g5]al1 toge!r ) an explanation ( h[ ! fiscal ye> #bjag budget reque/ addresses ea* su* managem5t *all5ge4 #fbe4 7a7 ,! head ( ea* executive bran* ag5cy fund$ by ?is ,act %all ensure t ! ,*ief ,in=mation ,(fic] ( ! ag5cy has ! au?ority to p>ticipate 9 decisions reg>d+ ! budget plann+ process relat$ to in=mation te*nology4 7b7 ,am\nts appropriat$ = any executive bran* ag5cy fund$ by ?is ,act t are available = in=mation te*nology %all be allocat$ )9 ! ag5cy1 consi/5t ) ! provisions ( appropriations ,acts & budget guidel9es & recomm5dations f ! ,director ( ! ,(fice ( ,managem5t & ,budget1 9 su* mann] z specifi$ by1 or approv$ by1 ! ,*ief ,in=mation ,(fic] ( ! ag5cy 9 consultation ) ! ,*ief ,f9ancial ,(fic] ( ! ag5cy & budget (ficials4 #fbf4 ,none ( ! funds made available 9 ?is ,act may be us$ 9 contrav5tion ( *apt] #bi1 #ca1 or #cc ( title #dd1 ,unit$ ,/ates ,code4 #fbg4 ,f ! unobligat$ balances available 9 ! ,securities & ,ex*ange ,commission ,res]ve ,fund e/abli%$ by section #iia ( ! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act 7,public ,law #aaa-bjc71 #be1jjj1jjj are resc9d$4 #fbh4 ,! head ( any executive bran* dep>tm5t1 ag5cy1 bo>d1 commission1 or (fice fund$ by ?is ,act %all require t all contracts )9 _! purview t provide aw>d fees l9k su* fees to successful acquisition outcomes1 specify+ ! t]ms ( co/1 s*$ule1 & p]=mance4 #fbi4 ,not)/&+ any o!r provision ( ?is ,act1 none ( ! funds appropriat$ or o!rwise made available by ?is ,act may be us$ to pay aw>d or inc5tive fees = contractor p]=mance t has be5 judg$ to be bel[ satisfactory p]=mance or p]=mance t does n meet ! basic requirem5ts ( a contract4 #fcj4 7a7 ,treatm5t ( paym5t = public communication z contribution if made "u control or direction ( c&idate ,section #cja7h77;,a7 ( ! ,f$]al ,election ,campaign ,act ( #aiga 7#eb ,u4,s4,c4 #cjaja7h77;,a77 is am5d$-- 7#a7 by /rik+ or at ! end ( clause 7i72 7#b7 by /rik+ ! p]iod at ! end ( clause 7ii7 & ins]t+ 2 or2 & 7#c7 by add+ at ! end ! foll[+ new clause3 7iii7 any paym5t by a political committee ( a political p>ty = ! direct co/s ( a public communication 7z def9$ 9 p>agraph 7#bb77 made on behalf ( a c&idate = ,f$]al (fice :o is affiliat$ ) su* p>ty1 b only if ! communication is controll$ by1 or made at ! direction (1 ! c&idate or an au?oriz$ committee ( ! c&idate4 4 7b7 ,requir+ control or direction by c&idate = treatm5t z coord9at$ p>ty exp5diture 7#a7 ,9 g5]al ,p>agraph 7#d7 ( section #cae7;d7 ( su* ,act 7#eb ,u4,s4,c4 #cjaaf7;d77 is am5d$ to read z foll[s3 7#d7 ,special rule = direct co/s ( communications ,! direct co/s incurr$ by a political committee ( a political p>ty = a communication made 9 connection ) ! campaign ( a c&idate = ,f$]al (fice %all n be subject to ! limitations conta9$ 9 p>agraphs 7#b7 & 7#c7 unless ! communication is controll$ by1 or made at ! direction (1 ! c&idate or an au?oriz$ committee ( ! c&idate4 4 7#b7 ,con=m+ am5dm5t ,p>agraph 7#a7 ( section #cae7;d7 ( su* ,act 7#eb ,u4,s4,c4 #cjaaf7;d77 is am5d$ by /rik+ p>agraphs 7#b71 7#c71 & 7#d7 & ins]t+ p>agraphs 7#b7 & 7#c74 #fca4 ,section #cjb7;g7 ( ! ,f$]al ,election ,campaign ,act ( #aiga 7#eb ,u4,s4,c4 #cjajb7;g77 is am5d$ to read z foll[s3 7g7 ,fil+ ) ! commission ,all designations1 /atem5ts1 & reports requir$ to be fil$ "u ?is ,act %all be fil$ ) ! ,commission4 4 #fcb4 ,on & aft] ! date ( enactm5t ( ?is ,act1 9 ! case ( a p>ty to a jo9t sales agreem5t 7z def9$ 9 ,note #b7k7 to section #gc4ceee ( title #dg1 ,code ( ,f$]al ,regulations7 t is 9 effect on ! effective date ( ! am5dm5t to ,note #b7k77#b7 to t section made by ! ,fur!r ,notice ( ,propos$ ,rulemak+ & ,report & ,ord] adopt$ by ! ,f$]al ,communications ,commission on ,m>* #ca1 #bjad 7,,fcc #ad-bh71 ! p>ty %all n be consid]$ to be 9 violation ( ! own]%ip limitations ( t section by reason ( ! application ( ! rule 9 ,note #b7k77#b71 z s am5d$1 to ! jo9t sales agreem5t4 #fcc4 ,none ( ! funds made available by ?is ,act may be us$ to regulate1 directly or indirectly1 ! prices or relat$ t]ms 7z su* t]ms are describ$ 9 p>agraph #afd ( ! ,report & ,ord] on ,rem&1 ,decl>atory ,rul+1 & ,ord] 9 ! matt] ( protect+ & promot+ ! op5 ,int]net1 adopt$ by ! ,f$]al ,communications ,commission on ,febru>y #bf1 #bjae 7,,fcc #ae-bd77 *>g$ or impos$ by provid]s ( broadb& ,int]net access s]vice 7z def9$ 9 ! f9al rules 9 ,app5dix ,a ( su* ,report & ,ord] on ,rem&1 ,decl>atory ,rul+1 & ,ord]7 = su* s]vice1 reg>dless ( :e!r su* regulation takes ! =m ( requirem5ts = future conduct or en=cem5t reg>d+ pa/ conduct4 #fcd4 ,none ( ! am\nts made available by ?is ,act may be us$ to f9alize or implem5t ! ,safety ,/&>d = ,recreational ,(f-,highway ,vehicles publi%$ by ! ,consum] ,product ,safety ,commission 9 ! ,f$]al ,regi/] on ,novemb] #ai1 #bjad 7#gi ,f$4 ,reg4 #fhifd7 until aft]-- 7#a7 ! ,national ,academy ( ,sci5ces1 9 consultation ) ! ,national ,highway ,traffic ,safety ,adm9i/ration & ! ,dep>tm5t ( ,def5se1 completes a /udy to det]m9e-- 7,a7 ! te*nical validity ( ! lat]al /ability & vehicle h&l+ requirem5ts propos$ by su* /&>d = purposes ( r$uc+ ! risk ( ,recreational ,(f-,highway ,vehicle 7ref]r$ to 9 ?is section z ,,rov7 rollov]s 9 ! (f-road environm5t1 includ+ ! repeatability & reproducibility ( te/+ = compliance ) su* requirem5ts2 7,b7 ! numb] ( ,,rov rollov]s t w\ld be prev5t$ if ! propos$ requirem5ts 7 adopt$2 7,c7 :e!r !re is a te*nical basis = ! proposal to provide in=mation on a po9t-(-sale hangtag ab\t a ,,rov's rollov] resi/ance on a progressive scale2 & 7,d7 ! effect on ! utility ( ,r,o,vs us$ by ! ,unit$ ,/ates milit>y if ! propos$ requirem5ts 7 adopt$2 & 7#b7 a report conta9+ ! results ( ! /udy complet$ "u p>agraph 7#a7 is deliv]$ to-- 7,a7 ! ,committee on ,comm]ce1 ,sci5ce1 & ,transportation ( ! ,s5ate2 7,b7 ! ,committee on ,en]gy & ,comm]ce ( ! ,h\se ( ,repres5tatives2 7,c7 ! ,committee on ,appropriations ( ! ,s5ate2 & 7,d7 ! ,committee on ,appropriations ( ! ,h\se ( ,repres5tatives4 #fce4 ,not)/&+ any o!r provision ( law1 n to exce$ #b1bff1jhe ( unobligat$ balances f ,election ,assi/ance ,commission1 ,election ,re=m ,programs %all be available to record a disbursem5t previ\sly incurr$ "u t head+ 9 fiscal ye> #bjad aga9/ a #bjjh cancell$ acc\nt4 #fcf4 ,none ( ! funds appropriat$ by ?is ,act may be us$ by ! ,f$]al ,communications ,commission to modify1 am5d1 or *ange ! rules or regulations ( ! ,commission = univ]sal s]vice high-co/ support = competitive eligible telecommunications c>ri]s 9 a way t is inconsi/5t ) p>agraph 7e77#e7 or 7e77#f7 ( section #ed4cjg ( title #dg1 ,code ( ,f$]al ,regulations1 z 9 effect on ,july #ae1 #bjae3 ,provid$1 ,t ?is section %all n prohibit ! ,commission f consid]+1 develop+1 or adopt+ o!r support me*anisms z an alt]native to ,mobility ,fund ,phase ,,ii4 #fcg4 7a7 ,consum] ,f9ancial ,protection ,act ( #bjaj ,! ,consum] ,f9ancial ,protection ,act ( #bjaj 7#ab ,u4,s4,c4 #edha et seq47 is am5d$-- 7#a7 9 section #ajjb 7#ab ,u4,s4,c4 #edha7-- 7,a7 by /rik+ p>agraph 7#aj7 & ins]t+3 7#aj7 ,bo>d ,! t]m ,bo>d means ! ,bo>d ( ,directors ( ! ,bureau ( ,consum] ,f9ancial ,protection4 2 & 7,b7 by ins]t+ aft] p>agraph 7#bi7 ! foll[+3 7#cj7 ,*airp]son ,! t]m ,*airp]son means ! ,*airp]son ( ! ,bo>d ( ,directors ( ! ,bureau ( ,consum] ,f9ancial ,protection4 2 7#b7 9 section #ajab 7#ab ,u4,s4,c4 #edib7-- 7,a7 9 subsection 7a77#h71 by /rik+ appo9t$ & sup]vis$ by ! ,director & ins]t+ appo9t$ by ! ,bo>d & sup]vis$ by ! ,*airp]son2 7,b7 9 subsection 7b71 by /rik+ ,director & ins]t+ ,bo>d2 & 7,c7 9 subsection 7c7-- 7i7 9 p>agraph 7#b77;,a71 by /rik+ ,director & ins]t+ ,bo>d2 & 7ii7 9 p>agraph 7#d71 by /rik+ ! ,director ea* place t t]m appe>s & ins]t+ any memb] ( ! ,bo>d2 7#c7 9 section #ajac 7#ab ,u4,s4,c4 #edic7-- 7,a7 9 subsections 7a71 7b71 7d71 & 7e71 by /rik+ ,director ea* place t t]m appe>s & ins]t+ ,bo>d2 7,b7 9 subsection 7c7-- 7i7 9 p>agraphs 7#a7 & 7#b71 by /rik+ ,director ea* place t t]m appe>s & ins]t+ ,bo>d2 & 7ii7 9 p>agraph 7#c7-- 7,i7 by /rik+ ,assi/ant ,director ea* place t t]m appe>s & ins]t+ ,head ( ,(fice2 & 7,,ii7 by /rik+ ! ,director ea* place t t]m appe>s & ins]t+ ! ,bo>d2 7,c7 9 subsection 7g7-- 7i7 9 p>agraph 7#a71 by /rik+ ,director & ins]t+ ,bo>d2 & 7ii7 9 p>agraph 7#b7-- 7,i7 9 ! p>agraph head+1 by /rik+ ,assi/ant director & ins]t+ ,head ( ! (fice2 & 7,,ii7 by /rik+ an assi/ant director & ins]t+ ! ,head ( ! ,(fice ( ,f9ancial ,protection = ,old] ,am]icans2 7#d7 9 section #ajad 7#ab ,u4,s4,c4 #edid71 by /rik+ ,director ea* place t t]m appe>s & ins]t+ ,bo>d2 7#e7 9 section #ajaf7;a7 7#ab ,u4,s4,c4 #edif7;a771 by /rik+ ,director ( ! ,bureau & ins]t+ ,*airp]son2 7#f7 9 section #ajag-- 7,a7 9 subsection 7a7-- 7i7 9 p>agraph 7#a71 by /rik+ ,director & ins]t+ ,bo>d2 7ii7 9 p>agraph 7#d7-- 7,i7 9 subp>agraph 7,a7-- 7aa7 by /rik+ ,director %all & ins]t+ ,bo>d %all2 7bb7 by /rik+ ,director1 & ins]t+ ,bo>d12 & 7cc7 by /rik+ ,director 9 ea* place t t]m appe>s & ins]t+ ,bo>d 92 7,,ii7 9 subp>agraph 7,d71 by /rik+ ,director & ins]t+ ,bo>d2 & 7,,iii7 9 subp>agraph 7,e71 by /rik+ ,director to & ins]t+ ,bo>d to2 & 7iii7 9 p>agraph 7#e77;,c71 by /rik+ ,director ( ! ,bureau & ins]t+ ,*airp]son2 7,b7 9 subsection 7c77#a7-- 7i7 by /rik+ ,director1 & ins]t+ ,bo>d12 & 7ii7 by /rik+ ,director & & ins]t+ ! memb]s ( ! ,bo>d &2 & 7,c7 9 subsection 7e71 by /rik+ ,director ea* place t t]m appe>s & ins]t+ ,bo>d2 7#g7 9 subtitles ,b 7#ab ,u4,s4,c4 #eeaa et seq471 ,c 7#ab ,u4,s4,c4 #eeca et seq471 & ,g 7#ab ,u4,s4,c4 #efja et seq471 by /rik+ ,director ea* place t t]m appe>s & ins]t+ ,bo>d2 7#h7 9 section #ajfa7;c77#b77;,c77i7 7#ab ,u4,s4,c4 #eeha7;c77#b77;,c77i771 by /rik+ ! ,bo>d & ins]t+ ! ,national ,cr$it ,union ,adm9i/ration ,bo>d2 & 7#i7 9 section #ajff7;a7 7#ab ,u4,s4,c4 #eehf7;a771 by ins]t+ fir/ be=e ,director4 7b7 ,f9ancial /ability act ( #bjaj ,section #aaa7;b77#a77;,d7 ( ! ,f9ancial ,/ability ,act ( #bjaj 7#ab ,u4,s4,c4 #ecba7;b77#a77;,d77 is am5d$ by /rik+ ,director ( ! ,bureau & ins]t+ ,*airp]son ( ! ,bo>d ( ,directors ( ! ,bureau4 7c7 ,mortgage re=m & anti-pr$atory l5d+ act ,section #addg ( ! ,mortgage ,re=m & ,anti-,pr$atory ,l5d+ ,act 7#ab ,u4,s4,c4 #agjap-#b7 is am5d$ by /rik+ ,director ea* place ! t]m appe>s & ins]t+ ,bo>d ( ,directors4 7d7 ,electronic fund transf] act ,section #ibj7;a77#d77;,c7 ( ! ,electronic ,fund ,transf] ,act 7#ae ,u4,s4,c4 #afico-#b7;a77#d77;,c77 is am5d$ by /rik+ ,director ( ! ,bureau & ins]t+ ,bo>d ( ,directors ( ! ,bureau4 7e7 ,exp$it$ funds availability act ,! ,exp$it$ ,funds ,availability ,act 7#ab ,u4,s4,c4 #djja et seq47 is am5d$ by /rik+ ,director ( ! ,bureau ea* place t t]m appe>s & ins]t+ ,bo>d ( ,directors ( ! ,bureau4 7f7 ,f$]al deposit insurance act ,section #b ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahab7 is am5d$-- 7#a7 by /rik+ ,director ( ! ,consum] ,f9ancial ,protection ,bureau ea* place t t]m appe>s & ins]t+ ,*airp]son ( ! ,bo>d ( ,directors ( ! ,bureau ( ,consum] ,f9ancial ,protection2 & 7#b7 9 subsection 7d77#b71 by /rik+ ,comptroll] or ,director & ins]t+ ,comptroll] or ,*airp]son4 7g7 ,f$]al f9ancial in/itutions exam9ation c\ncil act ( #aigh ,section #ajjd7;a77#d7 ( ! ,f$]al ,f9ancial ,in/itutions ,exam9ation ,c\ncil ,act ( #aigh 7#ab ,u4,s4,c4 #ccjc7;a77#d77 is am5d$ by /rik+ ,director ( ! ,consum] ,f9ancial ,protection ,bureau & ins]t+ ,*airp]son ( ! ,bo>d ( ,directors ( ! ,bureau ( ,consum] ,f9ancial ,protection4 7h7 ,f9ancial lit]acy & education improvem5t act ,section #eac ( ! ,f9ancial ,lit]acy & ,education ,improvem5t ,act 7#bj ,u4,s4,c4 #igjb7 is am5d$ by /rik+ ,director ea* place t t]m appe>s & ins]t+ ,*airp]son ( ! ,bo>d ( ,directors4 7i7 ,home mortgage disclosure act ( #aige ,section #cjg ( ! ,home ,mortgage ,disclosure ,act ( #aige 7#ab ,u4,s4,c4 #bhjf7 is am5d$ by /rik+ ,director ( ! ,bureau ( ,consum] ea* place t t]m appe>s & ins]t+ ,bo>d ( ,directors ( ! ,bureau ( ,consum]4 7j7 ,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 #agja7a771 by /rik+ ,director means ! ,director & ins]t+ ,bo>d means ! ,bo>d ( ,directors2 7#b7 by /rik+ ,director ea* place t t]m appe>s & ins]t+ ,bo>d2 7#c7 9 section #adjc7;c7 7#ae ,u4,s4,c4 #agjb7;c77-- 7,a7 by /rik+ by him & ins]t+ by ! ,bo>d2 & 7,b7 by /rik+ he & ins]t+ ! ,bo>d2 7#d7 9 section #adjg 7#ae ,u4,s4,c4 #agjf7-- 7,a7 9 subsection 7c71 by /rik+ he & ins]t+ ! ,bo>d2 & 7,b7 9 subsection 7e71 by /rik+ him & ins]t+ ! ,bo>d2 7#e7 9 section #adaa 7#ae ,u4,s4,c4 #agaj7-- 7,a7 9 subsection 7a7-- 7i7 by /rik+ 8 f9d+s & ins]t+ its f9d+2 & 7ii7 by /rik+ 8 recomm5dation & ins]t+ a recomm5dation2 & 7,b7 9 subsection 7b71 by /rik+ ,secret>y's ord] & ins]t+ ord] ( ! ,bo>d2 7#f7 9 section #adae 7#ae ,u4,s4,c4 #agad7-- 7,a7 by /rik+ him ea* place t t]m appe>s & ins]t+ ! ,bo>d2 7,b7 9 subsection 7a71 by /rik+ he may1 9 8 discretion & ins]t+ ! ,bo>d may1 at ! discretion ( ! ,bo>d2 7,c7 9 subsection 7b71 by /rik+ he ea* "t t t]m appe>s & ins]t+ ! ,bo>d2 & 7,d7 by /rik+ 9 8 discretion ea* "t t t]m appe>s & ins]t+ at ! discretion ( ! ,bo>d2 7#g7 9 section #adaf7;a7 7#ae ,u4,s4,c4 #agae7;a77-- 7,a7 by /rik+ ( ! ,bureau ( ,consum] ,f9ancial ,protection ! fir/ "t t t]m appe>s2 7,b7 by /rik+ 8 functions1 duties1 & p[]s & ins]t+ ! functions1 duties1 & p[]s ( ! ,bo>d2 7,c7 by /rik+ 8 adm9i/rative law judges & ins]t+ ! adm9i/rative law judges ( ! ,bureau ( ,consum] ,f9ancial ,protection2 & 7,d7 by /rik+ himself & ins]t+ ! ,bo>d2 7#h7 7,a7 9 section #adah;a7b77#d7 7#ae ,u4,s4,c4 #agag;a7b77#d771 by /rik+ ,! ,secret>y's det]m9ation or ord] & ins]t+ ,a det]m9ation or ord] ( ! ,bo>d2 & 7,b7 9 section #adah;a7d7 7#ae ,u4,s4,c4 #agag;a7d771 by /rik+ ! ,secret>y's det]m9ation or ord] & ins]t+ a det]m9ation or ord] ( ! ,bo>d2 7#i7 9 section #adai 7#ae ,u4,s4,c4 #agah7-- 7,a7 by /rik+ him & ins]t+ ! ,bo>d2 7,b7 by /rik+ 8 rules & regulations & ins]t+ ! rules & regulations ( ! ,bo>d2 & 7,c7 by /rik+ 8 jurisdiction & ins]t+ ! jurisdiction ( ! ,bureau ( ,consum] ,f9ancial ,protection2 & 7#aj7 9 section #adbj 7#ae ,u4,s4,c4 #agai7-- 7,a7 by ins]t+ or any memb] ( ! ,bo>d be=e 9 any proce$+2 & 7,b7 by /rik+ him & ins]t+ ! ,bo>d or any memb] ( ! ,bo>d4 7k7 ,real e/ate settlem5t proc$ures act ( #aigd ,section #e ( ! ,real ,e/ate ,settlem5t ,proc$ures ,act ( #aigd 7#ab ,u4,s4,c4 #bfjd7 is am5d$-- 7#a7 by /rik+ ,director ( & ins]t+ ,bo>d ( ,directors (2 & 7#b7 by /rik+ ,director ea* place t t]m appe>s & ins]t+ ,bo>d4 7l7 ,s4,a4,f4,e4 mortgage lic5s+ act ( #bjjh ,! ,s4,a4,f4,e4 ,mortgage ,lic5s+ ,act ( #bjjh 7#ab ,u4,s4,c4 #eaja et seq47 is am5d$-- 7#a7 9 section #aejc7aj7 7#ab ,u4,s4,c4 #eajb7aj77-- 7,a7 9 ! p>agraph head+1 by /rik+ ,director & ins]t+ ,bo>d2 & 7,b7 by /rik+ ,director means ! ,director & ins]t+ ,bo>d means ! ,bo>d ( ,directors2 7#b7 by /rik+ ,director ea* place t t]m appe>s & ins]t+ ,bo>d2 7#c7 9 section #aead7;b77#e7 7#ab ,u4,s4,c4 #eaac7;b77#e77 & section #aead7;c77#d77;,c7 7#ab ,u4,s4,c4 #eaac7;c77#d77;,c771 by /rik+ ,secret>y's exp5ses & ins]t+ exp5ses ( ! ,bo>d2 7#d7 9 ! head+s ( section #aead7;c77#a71 7c77#d77;,a71 & 7c77#e71 by /rik+ director & ins]t+ bo>d2 & 7#e7 9 ! head+ ( section #aead7;d71 by /rik+ ,director & ins]t+ ,bo>d4 7m7 ,title #dd ,section #ceac7;c7 ( title #dd1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ ,director ( ! ,bureau & ins]t+ ,bo>d ( ,directors ( ! ,bureau4 7n7 ,deem+ ( "n ,any ref]5ce 9 a law1 regulation1 docum5t1 pap]1 or o!r record ( ! ,unit$ ,/ates to ! ,director ( ! ,bureau ( ,consum] ,f9ancial ,protection %all be deem$ a ref]5ce to ! ,bo>d ( ,directors ( ! ,bureau ( ,consum] ,f9ancial ,protection1 unless o!rwise specifi$ 9 ?is ,act4 7o7 ,effective date ,?is section & ! am5dm5ts made by ?is section %all take effect on ! lat] (-- 7#a7 ,octob] #a1 #bjaf2 or 7#b7 ! date on :i* n less ?an #c p]sons h be5 confirm$ by ! ,s5ate to s]ve z memb]s ( ! ,bo>d ( ,directors ( ! ,bureau ( ,consum] ,f9ancial ,protection4 #fch4 7a7 ,f9anc+ ( sales ( agricultural commodities to ,cuba ,not)/&+ any o!r provision ( law 7o!r ?an section #ijh ( ! ,trade ,sanctions ,re=m & ,export ,enhancem5t ,act ( #bjjj 7#bb ,u4,s4,c4 #gbjg71 z am5d$ by subsection 7c771 a p]son subject to ! jurisdiction ( ! ,unit$ ,/ates may provide paym5t or f9anc+ t]ms = sales ( agricultural commodities to ,cuba or an individual or entity 9 ,cuba4 7b7 ,def9itions ,9 ?is section3 7#a7 ,agricultural commodity ,! t]m agricultural commodity has ! mean+ giv5 ! t]m 9 section #ajb ( ! ,agricultural ,trade ,act ( #aigh 7#g ,u4,s4,c4 #efjb74 7#b7 ,f9anc+ ,! t]m f9anc+ includes any loan or ext5sion ( cr$it4 7c7 ,con=m+ am5dm5t ,section #ijh ( ! ,trade ,sanctions ,re=m & ,export ,enhancem5t ,act ( #bjjj 7#bb ,u4,s4,c4 #gbjg7 is am5d$-- 7#a7 9 ! section head+1 by /rik+ & f9anc+2 7#b7 by /rik+ subsection 7b72 7#c7 9 subsection 7a7-- 7,a7 by /rik+ ,prohibition & all t foll[s ?r\gh 7#a7 ,9 g5]al4--,not)/&+ & ins]t+ ,9 g5]al4--,not)/&+2 & 7,b7 by r$esignat+ p>agraphs 7#b7 & 7#c7 z subsections 7b7 & 7c71 respectively1 & by mov+ ^? subsections1 z s r$esignat$1 #b ems to ! left2 & 7#d7 by /rik+ p>agraph 7#a7 ea* place x appe>s & ins]t+ subsection 7a74 #fci4 ,none ( ! funds made available 9 ?is ,act may be us$1 ) respect to a ,/ate :]e m>ijuana is legal = recreational or m$ic9al purposes1 to prohibit or p5alize a f9ancial in/itution solely because ! in/itution provides f9ancial s]vices to an entity t is a manufactur]1 produc]1 or a p]son t p>ticipates 9 any bus9ess or organiz$ activity t-- 7#a7 involves h&l+ m>ijuana or m>ijuana products2 & 7#b7 engages 9 su* activity pursuant to a law e/abli%$ by a ,/ate or a unit ( local gov]nm5t4 #fdj4 7a7 ,! ,(fice ( ,p]sonnel ,managem5t %all provide to ea* affect$ individual z def9$ 9 subsection 7b7 complim5t>y id5tity protection cov]age t-- 7#a7 is n less compreh5sive ?an ! complim5t>y id5tify protection cov]age t ! ,(fice provid$ to affect$ individuals be=e ! date ( enactm5t ( ?is ,act2 7#b7 is effective = a p]iod ( n less ?an #aj ye>s2 & 7#c7 includes n less ?an #e1jjj1jjj 9 id5tity !ft insurance4 7b7 ,def9ition ,9 ?is section1 ! t]m affect$ individual means any individual ^: p]sonally id5tifiable in=mation 0 compromis$ dur+-- 7#a7 ! data brea* ( p]sonnel records ( curr5t & =m] ,f$]al employees1 at a network ma9ta9$ by ! ,dep>tm5t ( ! ,int]ior1 t 0 ann\nc$ by ! ,(fice ( ,p]sonnel ,managem5t on ,june #d1 #bjae2 or 7#b7 ! data brea* ( sy/ems ( ! ,(fice ( ,p]sonnel ,managem5t conta9+ in=mation relat$ to ! backgr\nd inve/igations ( curr5t1 =m]1 & prospective ,f$]al employees1 & ( o!r individuals4 #fda4 7a7 ,not)/&+ any o!r provision ( law1 none ( ! funds appropriat$ or o!rwise made available by ?is ,act or any o!r ,act may be us$ to implem5t any law1 regulation1 or policy t prohibits or o!rwise re/ricts travel1 or any transaction incid5t to travel1 to or f ,cuba by any citiz5 or legal resid5t ( ! ,unit$ ,/ates4 7b7 ,any law1 regulation1 or policy describ$ 9 subsection 7a7 %all cease to h any =ce or effect on & aft] ! date ( ! enactm5t ( ?is ,act4 7c7 ,no?+ 9 ?is section limits ! au?ority ( ! ,presid5t to re/rict travel describ$ 9 subsection 7a71 or any transaction incid5t to su* travel1 if su* re/riction is important to ! national security ( ! ,unit$ ,/ates or to protect human heal? or welf>e4 #fdb4 ,section #agjf7;b7 ( ! ,cuban ,democracy ,act ( #aiib 7#bb ,u4,s4,c4 #fjje7;b77 is am5d$-- 7#a7 by /rik+ p>agraph 7#a72 & 7#b7 by r$esignat+ p>agraphs 7#b71 7#c71 & 7#d7 z p>agraphs 7#a71 7#b71 & 7#c71 respectively4 ,,vii ,g5]al provisions--gov]nm5t-wide ,dep>tm5ts1 ,ag5cies1 & ,corporations 7includ+ transf] ( funds7 #gja4 ,no dep>tm5t1 ag5cy1 or in/rum5tality ( ! ,unit$ ,/ates receiv+ appropriat$ funds "u ?is or any o!r ,act = fiscal ye> #bjaf %all obligate or exp5d any su* funds1 unless su* dep>tm5t1 ag5cy1 or in/rum5tality has 9 place1 & w cont9ue to adm9i/] 9 good fai?1 a writt5 policy design$ to ensure t all ( its workplaces are free f ! illegal use1 possession1 or di/ribution ( controll$ sub/ances 7z def9$ 9 ! ,controll$ ,sub/ances ,act 7#ba ,u4,s4,c4 #hjb77 by ! (fic]s & employees ( su* dep>tm5t1 ag5cy1 or in/rum5tality4 #gjb4 ,unless o!rwise specifically provid$1 ! maximum am\nt all[able dur+ ! curr5t fiscal ye> 9 accordance ) subsection #acdc7;c7 ( title #ca1 ,unit$ ,/ates ,code1 = ! pur*ase ( any pass5g] motor vehicle 7exclusive ( buses1 ambulances1 law en=cem5t vehicles1 protective vehicles1 & und]cov] surveillance vehicles71 is h]eby fix$ at #ai1idg except /ation wagons = :i* ! maximum %all be #ai1iig3 ,provid$1 ,t ^! limits may be exce$$ by n to exce$ #g1bej = police-type vehicles3 ,provid$ fur!r1 ,t ! limits set =? 9 ?is section may n be exce$$ by m ?an #e p]c5t = electric or hybrid vehicles pur*as$ = demon/ration "u ! provisions ( ! ,electric & ,hybrid ,vehicle ,rese>*1 ,developm5t1 & ,demon/ration ,act ( #aigf3 ,provid$ fur!r1 ,t ! limits set =? 9 ?is section may be exce$$ by ! increm5tal co/ ( clean alt]native fuels vehicles acquir$ pursuant to ,public ,law #aja-edi ov] ! co/ ( comp>able conv5tionally fuel$ vehicles3 ,provid$ fur!r1 ,t ! limits set =? 9 ?is section %all n apply to any vehicle t is a comm]cial item & :i* op]ates on alt]native fuel1 includ+ b n limit$ to electric1 plug-9 hybrid electric1 & hydrog5 fuel cell vehicles4 #gjc4 ,appropriations ( ! executive dep>tm5ts & indep5d5t e/abli%m5ts = ! curr5t fiscal ye> available = exp5ses ( travel1 or = ! exp5ses ( ! activity conc]n$1 are h]eby made available = qu>t]s all[ances & co/-(-liv+ all[ances1 9 accordance ) #e ,u4,s4,c4 #eibb-eibd4 #gjd4 ,unless o!rwise specifi$ 9 law dur+ ! curr5t fiscal ye>1 no "p ( any appropriation conta9$ 9 ?is or any o!r ,act %all be us$ to pay ! comp5sation ( any (fic] or employee ( ! ,gov]nm5t ( ! ,unit$ ,/ates 7includ+ any ag5cy ! majority ( ! /ock ( :i* is own$ by ! ,gov]nm5t ( ! ,unit$ ,/ates7 ^: po/ ( duty is 9 ! cont95tal ,unit$ ,/ates unless su* p]son3 7#a7 is a citiz5 ( ! ,unit$ ,/ates2 7#b7 is a p]son :o is lawfully admitt$ = p]man5t resid5ce & is seek+ citiz5%ip z outl9$ 9 #h ,u4,s4,c4 #acbd;b7a77#c77;,b72 7#c7 is a p]son :o is admitt$ z a refugee "u #h ,u4,s4,c4 #aaeg or is grant$ asylum "u #h ,u4,s4,c4 #aaeh & has fil$ a decl>ation ( int5tion to become a lawful p]man5t resid5t & !n a citiz5 :5 eligible2 or 7#d7 is a p]son :o owes allegiance to ! ,unit$ ,/ates3 ,provid$1 ,t = purposes ( ?is section1 affidavits sign$ by any su* p]son %all be consid]$ prima facie evid5ce t ! requirem5ts ( ?is section ) respect to 8 or h] /atus are be+ compli$ )3 ,provid$ fur!r1 ,t = purposes ( subsections 7#b7 & 7#c7 su* affidavits %all be submitt$ prior to employm5t & updat$ !reaft] z necess>y3 ,provid$ fur!r1 ,t any p]son mak+ a false affidavit %all be guilty ( a felony1 & ^u conviction1 %all be f9$ no m ?an #d1jjj or imprison$ = n m ?an #a ye>1 or bo?3 ,provid$ fur!r1 ,t ! above p5al clause %all be 9 addition to1 & n 9 sub/itution =1 any o!r provisions ( exi/+ law3 ,provid$ fur!r1 ,t any paym5t made to any (fic] or employee contr>y to ! provisions ( ?is section %all be recov]able 9 action by ! ,f$]al ,gov]nm5t3 ,provid$ fur!r1 ,t ?is section %all n apply to any p]son :o is an (fic] or employee ( ! ,gov]nm5t ( ! ,unit$ ,/ates on ! date ( enactm5t ( ?is ,act1 or to int]national broadca/]s employ$ by ! ,broadca/+ ,bo>d ( ,gov]nors1 or to tempor>y employm5t ( translators1 or to tempor>y employm5t 9 ! field s]vice 7n to exce$ #fj days7 z a result ( em]g5cies3 ,provid$ fur!r1 ,t ?is section does n apply to ! employm5t z ,wildl& firefight]s = n m ?an #abj days ( nonresid5t ali5s employ$ by ! ,dep>tm5t ( ! ,int]ior or ! ,,usda ,=e/ ,s]vice pursuant to an agreem5t ) ano!r c\ntry4 #gje4 ,appropriations available to any dep>tm5t or ag5cy dur+ ! curr5t fiscal ye> = necess>y exp5ses1 includ+ ma9t5ance or op]at+ exp5ses1 %all also be available = paym5t to ! ,g5]al ,s]vices ,adm9i/ration = *>ges = space & s]vices & ^? exp5ses ( r5ovation & alt]ation ( build+s & facilities :i* con/itute public improvem5ts p]=m$ 9 accordance ) ! ,public ,build+s ,act ( #aiei 7#gc ,/at4 #dgi71 ! ,public ,build+s ,am5dm5ts ( #aigb 7#hf ,/at4 #baf71 or o!r applicable law4 #gjf4 ,9 addition to funds provid$ 9 ?is or any o!r ,act1 all ,f$]al ag5cies are au?oriz$ to receive & use funds result+ f ! sale ( mat]ials1 includ+ ,f$]al records dispos$ ( pursuant to a records s*$ule recov]$ ?r\gh recycl+ or wa/e prev5tion programs4 ,su* funds %all be available until exp5d$ = ! foll[+ purposes3 7#a7 ,acquisition1 wa/e r$uction & prev5tion1 & recycl+ programs z describ$ 9 ,executive ,ord] ,no4 #acdbc 7,janu>y #bd1 #bjjg71 includ+ any su* programs adopt$ prior to ! effective date ( ! ,executive ord]4 7#b7 ,o!r ,f$]al ag5cy environm5tal managem5t programs1 includ+1 b n limit$ to1 ! developm5t & implem5tation ( haz>d\s wa/e managem5t & pollution prev5tion programs4 7#c7 ,o!r employee programs z au?oriz$ by law or z deem$ appropriate by ! head ( ! ,f$]al ag5cy4 #gjg4 ,funds made available by ?is or any o!r ,act = adm9i/rative exp5ses 9 ! curr5t fiscal ye> ( ! corporations & ag5cies subject to *apt] #ia ( title #ca1 ,unit$ ,/ates ,code1 %all be available1 9 addition to objects = :i* su* funds are o!rwise available1 = r5t 9 ! ,di/rict ( ,columbia2 s]vices 9 accordance ) #e ,u4,s4,c4 #caji2 & ! objects specifi$ "u ?is head1 all ! provisions ( :i* %all be applicable to ! exp5diture ( su* funds unless o!rwise specifi$ 9 ! ,act by :i* !y are made available3 ,provid$1 ,t 9 ! ev5t any functions budget$ z adm9i/rative exp5ses are subsequ5tly transf]r$ to or paid f o!r funds1 ! limitations on adm9i/rative exp5ses %all be correspond+ly r$uc$4 #gjh4 ,no "p ( any appropriation conta9$ 9 ?is or any o!r ,act %all be available = int]ag5cy f9anc+ ( bo>ds 7except ,f$]al ,executive ,bo>ds71 commissions1 c\ncils1 committees1 or simil> gr\ps 7:e!r or n !y are int]ag5cy entities7 :i* d n h a prior & specific /atutory approval to receive f9ancial support f m ?an "o ag5cy or in/rum5tality4 #gji4 ,none ( ! funds made available pursuant to ! provisions ( ?is or any o!r ,act %all be us$ to implem5t1 adm9i/]1 or en=ce any regulation :i* has be5 disapprov$ pursuant to a jo9t resolution duly adopt$ 9 accordance ) ! applicable law ( ! ,unit$ ,/ates4 #gaj4 ,dur+ ! p]iod 9 :i* ! head ( any dep>tm5t or ag5cy1 or any o!r (fic] or civilian employee ( ! ,f$]al ,gov]nm5t appo9t$ by ! ,presid5t ( ! ,unit$ ,/ates1 holds (fice1 no funds may be obligat$ or exp5d$ 9 excess ( #e1jjj to furni% or r$ecorate ! (fice ( su* dep>tm5t head1 ag5cy head1 (fic]1 or employee1 or to pur*ase furniture or make improvem5ts = any su* (fice1 unless advance notice ( su* furni%+ or r$ecoration is transmitt$ to ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate4 ,= ! purposes ( ?is section1 ! t]m (fice %all include ! entire suite ( (fices assign$ to ! individual1 z well z any o!r space us$ prim>ily by ! individual or ! use ( :i* is directly controll$ by ! individual4 #gaa4 ,not)/&+ #ca ,u4,s4,c4 #acdf1 or section #gjh ( ?is ,act1 funds made available = ! curr5t fiscal ye> by ?is or any o!r ,act %all be available = ! int]ag5cy fund+ ( national security & em]g5cy prep>$ness telecommunications initiatives :i* b5efit multiple ,f$]al dep>tm5ts1 ag5cies1 or entities1 z provid$ by ,executive ,ord] ,no4 #acfah 7,july #f1 #bjab74 #gab4 7a7 ,none ( ! funds made available by ?is or any o!r ,act may be obligat$ or exp5d$ by any dep>tm5t1 ag5cy1 or o!r in/rum5tality ( ! ,f$]al ,gov]nm5t to pay ! sal>ies or exp5ses ( any individual appo9t$ to a position ( a confid5tial or policy-det]m9+ "* t is except$ f ! competitive s]vice "u section #ccjb ( title #e1 ,unit$ ,/ates ,code1 7pursuant to s*$ule ,c ( subp>t ,c ( "p #bac ( title #e ( ! ,code ( ,f$]al ,regulations7 unless ! head ( ! applicable dep>tm5t1 ag5cy1 or o!r in/rum5tality employ+ su* s*$ule ,c individual c]tifies to ! ,director ( ! ,(fice ( ,p]sonnel ,managem5t t ! s*$ule ,c position occupi$ by ! individual 0 n creat$ solely or prim>ily 9 ord] to detail ! individual to ! ,:ite ,h\se4 7b7 ,! provisions ( ?is section %all n apply to ,f$]al employees or memb]s ( ! arm$ =ces detail$ to or f an elem5t ( ! intellig5ce community 7z t t]m is def9$ "u section #c7d7 ( ! ,national ,security ,act ( #aidg 7#ej ,u4,s4,c4 #cjjc7d7774 #gac4 ,no "p ( any appropriation conta9$ 9 ?is or any o!r ,act %all be available = ! paym5t ( ! sal>y ( any (fic] or employee ( ! ,f$]al ,gov]nm5t1 :o-- 7#a7 prohibits or prev5ts1 or attempts or ?reat5s to prohibit or prev5t1 any o!r (fic] or employee ( ! ,f$]al ,gov]nm5t f hav+ any direct oral or writt5 communication or contact ) any ,memb]1 committee1 or subcommittee ( ! ,congress 9 connection ) any matt] p]ta9+ to ! employm5t ( su* o!r (fic] or employee or p]ta9+ to ! dep>tm5t or ag5cy ( su* o!r (fic] or employee 9 any way1 irrespective ( :e!r su* communication or contact is at ! initiative ( su* o!r (fic] or employee or 9 response to ! reque/ or inquiry ( su* ,memb]1 committee1 or subcommittee2 or 7#b7 removes1 susp5ds f duty )\t pay1 demotes1 r$uces 9 rank1 s5iority1 /atus1 pay1 or p]=mance or effici5cy rat+1 d5ies promotion to1 relocates1 reassigns1 transf]s1 discipl9es1 or discrim9ates 9 reg>d to any employm5t "r1 entitlem5t1 or b5efit1 or any t]m or condition ( employm5t (1 any o!r (fic] or employee ( ! ,f$]al ,gov]nm5t1 or attempts or ?reat5s to commit any ( ! =ego+ actions ) respect to su* o!r (fic] or employee1 by reason ( any communication or contact ( su* o!r (fic] or employee ) any ,memb]1 committee1 or subcommittee ( ! ,congress z describ$ 9 p>agraph 7#a74 #gad4 7a7 ,none ( ! funds made available 9 ?is or any o!r ,act may be obligat$ or exp5d$ = any employee tra9+ t-- 7#a7 does n meet id5tifi$ ne$s = k1 skills1 & abilities be>+ directly ^u ! p]=mance ( (ficial duties2 7#b7 conta9s elem5ts likely to induce high levels ( emotional response or psy*ological /ress 9 "s p>ticipants2 7#c7 does n require prior employee notification ( ! cont5t & me?ods to be us$ 9 ! tra9+ & writt5 end ( c\rse evaluation2 7#d7 conta9s any me?ods or cont5t associat$ ) religi\s or quasi-religi\s belief sy/ems or new age belief sy/ems z def9$ 9 ,equal ,employm5t ,opportunity ,commission ,notice ,n-#iae4jbb1 dat$ ,septemb] #b1 #aihh2 or 7#e7 is (f5sive to1 or design$ to *ange1 p>ticipants' p]sonal values or life/yle outside ! workplace4 7b7 ,no?+ 9 ?is section %all prohibit1 re/rict1 or o!rwise preclude an ag5cy f conduct+ tra9+ be>+ directly ^u ! p]=mance ( (ficial duties4 #gae4 ,no "p ( any funds appropriat$ 9 ?is or any o!r ,act %all be us$ by an ag5cy ( ! executive bran*1 o!r ?an = normal & recogniz$ executive-legislative relation%ips1 = publicity or propag&a purposes1 & = ! prep>ation1 di/ribution or use ( any kit1 pamphlet1 booklet1 publication1 radio1 television1 or film pres5tation design$ to support or defeat legislation p5d+ be=e ! ,congress1 except 9 pres5tation to ! ,congress itself4 #gaf4 ,none ( ! funds appropriat$ by ?is or any o!r ,act may be us$ by an ag5cy to provide a ,f$]al employee's home address to any labor organization except :5 ! employee has au?oriz$ su* disclosure or :5 su* disclosure has be5 ord]$ by a c\rt ( compet5t jurisdiction4 #gag4 ,none ( ! funds made available 9 ?is or any o!r ,act may be us$ to provide any non-public in=mation su* z mail+1 telephone or electronic mail+ li/s to any p]son or any organization outside ( ! ,f$]al ,gov]nm5t )\t ! approval ( ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate4 #gah4 ,no "p ( any appropriation conta9$ 9 ?is or any o!r ,act %all be us$ directly or indirectly1 includ+ by private contractor1 = publicity or propag&a purposes )9 ! ,unit$ ,/ates n h]et(ore au?oriz$ by ,congress4 #gai4 7a7 ,9 ?is section1 ! t]m ag5cy-- 7#a7 means an ,executive ag5cy1 z def9$ "u #e ,u4,s4,c4 #aje2 & 7#b7 includes a milit>y dep>tm5t1 z def9$ "u section #ajb ( su* title1 ! ,po/al ,s]vice1 & ! ,po/al ,regulatory ,commission4 7b7 ,unless au?oriz$ 9 accordance ) law or regulations to use su* "t = o!r purposes1 an employee ( an ag5cy %all use (ficial "t 9 an hone/ ef=t to p]=m (ficial duties4 ,an employee n "u a leave sy/em1 includ+ a ,presid5tial appo9tee exempt$ "u #e ,u4,s4,c4 #fcja7b71 has an obligation to exp5d an hone/ ef=t & a reasonable proportion ( su* employee's "t 9 ! p]=mance ( (ficial duties4 #gbj4 ,not)/&+ #ca ,u4,s4,c4 #acdf & section #gjh ( ?is ,act1 funds made available = ! curr5t fiscal ye> by ?is or any o!r ,act to any dep>tm5t or ag5cy1 :i* is a memb] ( ! ,f$]al ,acc\nt+ ,/&>ds ,advisory ,bo>d 7,,fasab71 %all be available to f9ance an appropriate %>e ( ,,fasab adm9i/rative co/s4 #gba4 ,not)/&+ #ca ,u4,s4,c4 #acdf & section #gjh ( ?is ,act1 ! head ( ea* ,executive dep>tm5t & ag5cy is h]eby au?oriz$ to transf] to or reimburse ,g5]al ,s]vices ,adm9i/ration1 ,gov]nm5t-wide ,policy ) ! approval ( ! ,director ( ! ,(fice ( ,managem5t & ,budget1 funds made available = ! curr5t fiscal ye> by ?is or any o!r ,act1 includ+ rebates f *>ge c>d & o!r contracts3 ,provid$1 ,t ^! funds %all be adm9i/]$ by ! ,adm9i/rator ( ,g5]al ,s]vices to support ,gov]nm5t-wide & o!r multi-ag5cy f9ancial1 in=mation te*nology1 procurem5t1 & o!r managem5t innovations1 initiatives1 & activities1 includ+ improv+ coord9ation & r$uc+ duplication1 z approv$ by ! ,director ( ! ,(fice ( ,managem5t & ,budget1 9 consultation ) ! appropriate int]ag5cy & multi-ag5cy gr\ps designat$ by ! ,director 7includ+ ! ,presid5t's ,managem5t ,c\ncil = ov]all managem5t improvem5t initiatives1 ! ,*ief ,f9ancial ,(fic]s ,c\ncil = f9ancial managem5t initiatives1 ! ,*ief ,in=mation ,(fic]s ,c\ncil = in=mation te*nology initiatives1 ! ,*ief ,human ,capital ,(fic]s ,c\ncil = human capital initiatives1 ! ,*ief ,acquisition ,(fic]s ,c\ncil = procurem5t initiatives1 & ! ,p]=mance ,improvem5t ,c\ncil = p]=mance improvem5t initiatives73 ,provid$ fur!r1 ,t ! total funds transf]r$ or reimburs$ %all n exce$ #ag1jjj1jjj = ,gov]nm5t-,wide innovations1 initiatives1 & activities3 ,provid$ fur!r1 ,t ! funds transf]r$ to or = reimbursem5t ( ,g5]al ,s]vices ,adm9i/ration1 ,gov]nm5t-wide ,policy dur+ fiscal ye> #bjaf %all rema9 available = obligation ?r\gh ,septemb] #cj1 #bjag3 ,provid$ fur!r1 ,t su* transf]s or reimbursem5ts may only be made aft] #ae days foll[+ notification ( ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate by ! ,director ( ! ,(fice ( ,managem5t & ,budget4 #gbb4 ,not)/&+ any o!r provision ( law1 a woman may brea/fe$ h] *ild at any location 9 a ,f$]al build+ or on ,f$]al prop]ty1 if ! woman & h] *ild are o!rwise au?oriz$ to be pres5t at ! location4 #gbc4 ,not)/&+ #ca ,u4,s4,c4 #acdf1 or section #gjh ( ?is ,act1 funds made available = ! curr5t fiscal ye> by ?is or any o!r ,act %all be available = ! int]ag5cy fund+ ( specific projects1 work%ops1 /udies1 & simil> ef=ts to c>ry out ! purposes ( ! ,national ,sci5ce & ,te*nology ,c\ncil 7au?oriz$ by ,executive ,ord] ,no4 #abhha71 :i* b5efit multiple ,f$]al dep>tm5ts1 ag5cies1 or entities3 ,provid$1 ,t ! ,(fice ( ,managem5t & ,budget %all provide a report describ+ ! budget ( & res\rces connect$ ) ! ,national ,sci5ce & ,te*nology ,c\ncil to ! ,committees on ,appropriations1 ! ,h\se ,committee on ,sci5ce & ,te*nology1 & ! ,s5ate ,committee on ,comm]ce1 ,sci5ce1 & ,transportation #ij days aft] enactm5t ( ?is ,act4 #gbd4 ,any reque/ = proposals1 solicitation1 grant application1 =m1 notification1 press release1 or o!r publications involv+ ! di/ribution ( ,f$]al funds %all comply ) any relevant requirem5ts 9 "p #bjj ( title #b1 ,code ( ,f$]al ,regulations3 ,provid$1 ,t ?is section %all apply to direct paym5ts1 =mula funds1 & grants receiv$ by a ,/ate receiv+ ,f$]al funds4 #gbe4 7a7 ,prohibition ( ,f$]al ,ag5cy ,monitor+ ( ,individuals' ,int]net ,use ,none ( ! funds made available 9 ?is or any o!r ,act may be us$ by any ,f$]al ag5cy-- 7#a7 to collect1 review1 or create any aggregation ( data1 d]iv$ f any means1 t includes any p]sonally id5tifiable in=mation relat+ to an individual's access to or use ( any ,f$]al ,gov]nm5t ,int]net site ( ! ag5cy2 or 7#b7 to ent] into any agreem5t ) a ?ird p>ty 7includ+ ano!r gov]nm5t ag5cy7 to collect1 review1 or obta9 any aggregation ( data1 d]iv$ f any means1 t includes any p]sonally id5tifiable in=mation relat+ to an individual's access to or use ( any nongov]nm5tal ,int]net site4 7b7 ,exceptions ,! limitations e/abli%$ 9 subsection 7a7 %all n apply to-- 7#a7 any record ( aggregate data t does n id5tify p>ticul> p]sons2 7#b7 any volunt>y submission ( p]sonally id5tifiable in=mation2 7#c7 any action tak5 = law en=cem5t1 regulatory1 or sup]visory purposes1 9 accordance ) applicable law2 or 7#d7 any action describ$ 9 subsection 7a77#a7 t is a sy/em security action tak5 by ! op]ator ( an ,int]net site & is necess>ily incid5t to provid+ ! ,int]net site s]vices or to protect+ ! rights or prop]ty ( ! provid] ( ! ,int]net site4 7c7 ,def9itions ,= ! purposes ( ?is section3 7#a7 ,! t]m regulatory means ag5cy actions to implem5t1 int]pret or en=ce au?orities provid$ 9 law4 7#b7 ,! t]m sup]visory means exam9ations ( ! ag5cy's sup]vis$ in/itutions1 includ+ assess+ safety & s\ndness1 ov]all f9ancial condition1 managem5t practices & policies & compliance ) applicable /&>ds z provid$ 9 law4 #gbf4 7a7 ,none ( ! funds appropriat$ by ?is ,act may be us$ to ent] into or r5ew a contract :i* includes a provision provid+ prescription drug cov]age1 except :]e ! contract also includes a provision = contraceptive cov]age4 7b7 ,no?+ 9 ?is section %all apply to a contract )-- 7#a7 any ( ! foll[+ religi\s plans3 7,a7 ,p]sonal ,c>e's ,,hmo2 & 7,b7 ,,osf ,health,plans1 ,inc42 & 7#b7 any exi/+ or future plan1 if ! c>ri] = ! plan objects to su* cov]age on ! basis ( religi\s beliefs4 7c7 ,9 implem5t+ ?is section1 any plan t ent]s into or r5ews a contract "u ?is section may n subject any individual to discrim9ation on ! basis t ! individual refuses to prescribe or o!rwise provide = contraceptives because su* activities w\ld be contr>y to ! individual's religi\s beliefs or moral convictions4 7d7 ,no?+ 9 ?is section %all be con/ru$ to require cov]age ( abortion or abortion-relat$ s]vices4 #gbg4 ,! ,unit$ ,/ates is committ$ to ensur+ ! heal? ( its ,olympic1 ,pan ,am]ican1 & ,p>alympic a?letes1 & supports ! /rict adh]5ce to anti-dop+ 9 sport ?r\gh te/+1 adjudication1 education1 & rese>* z p]=m$ by nationally recogniz$ ov]sight au?orities4 #gbh4 ,not)/&+ any o!r provision ( law1 funds appropriat$ = (ficial travel to ,f$]al dep>tm5ts & ag5cies may be us$ by su* dep>tm5ts & ag5cies1 if consi/5t ) ,(fice ( ,managem5t & ,budget ,circul> ,a-#abf reg>d+ (ficial travel = ,gov]nm5t p]sonnel1 to p>ticipate 9 ! fractional aircraft own]%ip pilot program4 #gbi4 ,not)/&+ any o!r provision ( law1 none ( ! funds appropriat$ or made available "u ?is or any o!r appropriations ,act may be us$ to implem5t or en=ce re/rictions or limitations on ! ,coa/ ,gu>d ,congressional ,fell[%ip ,program1 or to implem5t ! propos$ regulations ( ! ,(fice ( ,p]sonnel ,managem5t to add sections #cjj4caa ?r\gh #cjj4caf to "p #cjj ( title #e ( ! ,code ( ,f$]al ,regulations1 publi%$ 9 ! ,f$]al ,regi/]1 volume #fh1 numb] #agd1 on ,septemb] #i1 #bjjc 7relat+ to ! detail ( executive bran* employees to ! legislative bran*74 #gcj4 ,not)/&+ any o!r provision ( law1 no executive bran* ag5cy %all pur*ase1 con/ruct1 or lease any additional facilities1 except )9 or contigu\s to exi/+ locations1 to be us$ = ! purpose ( conduct+ ,f$]al law en=cem5t tra9+ )\t ! advance approval ( ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate1 except t ! ,f$]al ,law ,en=cem5t ,tra9+ ,c5t] is au?oriz$ to obta9 ! tempor>y use ( additional facilities by lease1 contract1 or o!r agreem5t = tra9+ :i* _c be accommodat$ 9 exi/+ ,c5t] facilities4 #gca4 ,unless o!rwise au?oriz$ by exi/+ law1 none ( ! funds provid$ 9 ?is or any o!r ,act may be us$ by an executive bran* ag5cy to produce any prepackag$ news /ory int5d$ = broadca/ or di/ribution 9 ! ,unit$ ,/ates1 unless ! /ory includes a cle> notification )9 ! text or audio ( ! prepackag$ news /ory t ! prepackag$ news /ory 0 prep>$ or fund$ by t executive bran* ag5cy4 #gcb4 ,none ( ! funds made available 9 ?is ,act may be us$ 9 contrav5tion ( section #eeb;a ( title #e1 ,unit$ ,/ates ,code 7popul>ly kn[n z ! ,privacy ,act71 & regulations implem5t+ t section4 #gcc4 7a7 ,9 ,g5]al ,none ( ! funds appropriat$ or o!rwise made available by ?is or any o!r ,act may be us$ = any ,f$]al ,gov]nm5t contract ) any =eign incorporat$ entity :i* is treat$ z an inv]t$ dome/ic corporation "u section #hce7;b7 ( ! ,homel& ,security ,act ( #bjjb 7#f ,u4,s4,c4 #cie7;b77 or any subsidi>y ( su* an entity4 7b7 ,waiv]s 7#a7 ,9 g5]al ,any ,secret>y %all waive subsection 7a7 ) respect to any ,f$]al ,gov]nm5t contract "u ! au?ority ( su* ,secret>y if ! ,secret>y det]m9es t ! waiv] is requir$ 9 ! int]e/ ( national security4 7#b7 ,report to congress ,any ,secret>y issu+ a waiv] "u p>agraph 7#a7 %all report su* issuance to ,congress4 7c7 ,exception ,?is section %all n apply to any ,f$]al ,gov]nm5t contract ent]$ into be=e ! date ( ! enactm5t ( ?is ,act1 or to any task ord] issu$ pursuant to su* contract4 #gcd4 ,dur+ fiscal ye> #bjaf1 = ea* employee :o-- 7#a7 retires "u section #hccf7;d77#b7 or #hdad7;b77#a77;,b7 ( title #e1 ,unit$ ,/ates ,code2 or 7#b7 retires "u any o!r provision ( sub*apt] ,,iii ( *apt] #hc or *apt] #hd ( su* title #e & receives a paym5t z an inc5tive to sep>ate1 ! sep>at+ ag5cy %all remit to ! ,civil ,s]vice ,retirem5t & ,disability ,fund an am\nt equal to ! ,(fice ( ,p]sonnel ,managem5t's av]age unit co/ ( process+ a retirem5t claim = ! prec$+ fiscal ye>4 ,su* am\nts %all be available until exp5d$ to ! ,(fice ( ,p]sonnel ,managem5t & %all be deem$ to be an adm9i/rative exp5se "u section #hcdh7;a77#a77;,b7 ( title #e1 ,unit$ ,/ates ,code4 #gce4 7a7 ,none ( ! funds made available 9 ?is or any o!r ,act may be us$ to recomm5d or require any entity submitt+ an (f] = a ,f$]al contract to disclose any ( ! foll[+ in=mation z a condition ( submitt+ ! (f]3 7#a7 ,any paym5t consi/+ ( a contribution1 exp5diture1 indep5d5t exp5diture1 or disbursem5t = an electione]+ communication t is made by ! entity1 its (fic]s or directors1 or any ( its affiliates or subsidi>ies to a c&idate = election = ,f$]al (fice or to a political committee1 or t is o!rwise made ) respect to any election = ,f$]al (fice4 7#b7 ,any disbursem5t ( funds 7o!r ?an a paym5t describ$ 9 p>agraph 7#a77 made by ! entity1 its (fic]s or directors1 or any ( its affiliates or subsidi>ies to any p]son ) ! int5t or ! reasonable expectation t ! p]son w use ! funds to make a paym5t describ$ 9 p>agraph 7#a74 7b7 ,9 ?is section1 ea* ( ! t]ms contribution1 exp5diture1 indep5d5t exp5diture1 electione]+ communication1 c&idate1 election1 & ,f$]al (fice has ! mean+ giv5 su* t]m 9 ! ,f$]al ,election ,campaign ,act ( #aiga 7#b ,u4,s4,c4 #dca et seq474 #gcf4 ,none ( ! funds made available 9 ?is or any o!r ,act may be us$ to pay = ! pa9t+ ( a portrait ( an (fic] or employee ( ! ,f$]al gov]nm5t1 includ+ ! ,presid5t1 ! ,vice ,presid5t1 a memb] ( ,congress 7includ+ a ,delegate or a ,resid5t ,commission] to ,congress71 ! head ( an executive bran* ag5cy 7z def9$ 9 section #acc ( title #da1 ,unit$ ,/ates ,code71 or ! head ( an (fice ( ! legislative bran*4 #gcg4 7a7 7#a7 ,not)/&+ any o!r provision ( law1 & except z o!rwise provid$ 9 ?is section1 no "p ( any ( ! funds appropriat$ = fiscal ye> #bjaf1 by ?is or any o!r ,act1 may be us$ to pay any prevail+ rate employee describ$ 9 section #ecdb7;a77#b77;,a7 ( title #e1 ,unit$ ,/ates ,code-- 7,a7 dur+ ! p]iod f ! date ( expiration ( ! limitation impos$ by ! comp>able section = ! previ\s fiscal ye>s until ! normal effective date ( ! applicable wage survey adju/m5t t is to take effect 9 fiscal ye> #bjaf1 9 an am\nt t exce$s ! rate payable = ! applicable grade & /ep ( ! applicable wage s*$ule 9 accordance ) su* section2 & 7,b7 dur+ ! p]iod consi/+ ( ! rema9d] ( fiscal ye> #bjaf1 9 an am\nt t exce$s1 z a result ( a wage survey adju/m5t1 ! rate payable "u subp>agraph 7,a7 by m ?an ! sum (-- 7i7 ! p]c5tage adju/m5t tak+ effect 9 fiscal ye> #bjaf "u section #ecjc ( title #e1 ,unit$ ,/ates ,code1 9 ! rates ( pay "u ! ,g5]al ,s*$ule2 & 7ii7 ! diff]5ce betwe5 ! ov]all av]age p]c5tage ( ! locality-bas$ comp>ability paym5ts tak+ effect 9 fiscal ye> #bjaf "u section #ecjd ( su* title 7:e!r by adju/m5t or o!rwise71 & ! ov]all av]age p]c5tage ( su* paym5ts :i* 0 effective 9 ! previ\s fiscal ye> "u su* section4 7#b7 ,not)/&+ any o!r provision ( law1 no prevail+ rate employee describ$ 9 subp>agraph 7,b7 or 7,c7 ( section #ecdb7;a77#b7 ( title #e1 ,unit$ ,/ates ,code1 & no employee cov]$ by section #ecdh ( su* title1 may be paid dur+ ! p]iods = :i* p>agraph 7#a7 is 9 effect at a rate t exce$s ! rates t w\ld be payable "u p>agraph 7#a7 7 p>agraph 7#a7 applicable to su* employee4 7#c7 ,= ! purposes ( ?is subsection1 ! rates payable to an employee :o is cov]$ by ?is subsection & :o is paid f a s*$ule n 9 exi/5ce on ,septemb] #cj1 #bjae1 %all be det]m9$ "u regulations prescrib$ by ! ,(fice ( ,p]sonnel ,managem5t4 7#d7 ,not)/&+ any o!r provision ( law1 rates ( premium pay = employees subject to ?is subsection may n be *ang$ f ! rates 9 effect on ,septemb] #cj1 #bjae1 except to ! ext5t det]m9$ by ! ,(fice ( ,p]sonnel ,managem5t to be consi/5t ) ! purpose ( ?is subsection4 7#e7 ,?is subsection %all apply ) respect to pay = s]vice p]=m$ aft] ,septemb] #cj1 #bjae4 7#f7 ,= ! purpose ( adm9i/]+ any provision ( law 7includ+ any rule or regulation t provides premium pay1 retirem5t1 life insurance1 or any o!r employee b5efit7 t requires any d$uction or contribution1 or t imposes any requirem5t or limitation on ! basis ( a rate ( sal>y or basic pay1 ! rate ( sal>y or basic pay payable aft] ! application ( ?is subsection %all be treat$ z ! rate ( sal>y or basic pay4 7#g7 ,no?+ 9 ?is subsection %all be consid]$ to p]mit or require ! paym5t to any employee cov]$ by ?is subsection at a rate 9 excess ( ! rate t w\ld be payable 7 ?is subsection n 9 effect4 7#h7 ,! ,(fice ( ,p]sonnel ,managem5t may provide = exceptions to ! limitations impos$ by ?is subsection if ! ,(fice det]m9es t su* exceptions are necess>y to ensure ! recruitm5t or ret5tion ( qualifi$ employees4 7b7 ,not)/&+ subsection 7a71 ! adju/m5t 9 rates ( basic pay = ! /atutory pay sy/ems t take place 9 fiscal ye> #bjaf "u sections #ecdd & #ecdh ( title #e1 ,unit$ ,/ates ,code1 %all be-- 7#a7 n less ?an ! p]c5tage receiv$ by employees 9 ! same location ^: rates ( basic pay are adju/$ pursuant to ! /atutory pay sy/ems "u sections #ecjc & #ecjd ( title #e1 ,unit$ ,/ates ,code3 ,provid$1 ,t prevail+ rate employees at locations :]e !re are no employees ^: pay is increas$ pursuant to sections #ecjc & #ecjd ( title #e1 ,unit$ ,/ates ,code1 & prevail+ rate employees describ$ 9 section #ecdc7;a77#e7 ( title #e1 ,unit$ ,/ates ,code1 %all be consid]$ to be locat$ 9 ! pay locality designat$ z ,re/ ( ,unit$ ,/ates pursuant to section #ecjd ( title #e1 ,unit$ ,/ates ,code1 = purposes ( ?is subsection2 & 7#b7 effective z ( ! fir/ day ( ! fir/ applicable pay p]iod beg9n+ aft] ,septemb] #cj1 #bjae4 #gch4 7a7 ,! ,vice ,presid5t may n receive a pay raise 9 cal5d> ye> #bjaf1 not)/&+ ! rate adju/m5t made "u section #ajd ( title #c1 ,unit$ ,/ates ,code1 or any o!r provision ( law4 7b7 ,an employee s]v+ 9 an ,executive ,s*$ule position1 or 9 a position = :i* ! rate ( pay is fix$ by /atute at an ,executive ,s*$ule rate1 may n receive a pay rate increase 9 cal5d> ye> #bjaf1 not)/&+ s*$ule adju/m5ts made "u section #ecah ( title #e1 ,unit$ ,/ates ,code1 or any o!r provision ( law1 except z provid$ 9 subsection 7g71 7h71 or 7i74 ,?is subsection applies only to employees :o are hold+ a position "u a political appo9tm5t4 7c7 ,a *ief ( mission or ambassador at l>ge may n receive a pay rate increase 9 cal5d> ye> #bjaf1 not)/&+ section #dja ( ! ,=eign ,s]vice ,act ( #aihj 7,public ,law #if-dfe7 or any o!r provision ( law1 except z provid$ 9 subsection 7g71 7h71 or 7i74 7d7 ,not)/&+ sections #echb & #echc ( title #e1 ,unit$ ,/ates ,code1 a pay rate increase may n be receiv$ 9 cal5d> ye> #bjaf 7except z provid$ 9 subsection 7g71 7h71 or 7i77 by-- 7#a7 a nonc>e] appo9tee 9 ! ,s5ior ,executive ,s]vice paid a rate ( basic pay at or above level ,,iv ( ! ,executive ,s*$ule2 or 7#b7 a limit$ t]m appo9tee or limit$ em]g5cy appo9tee 9 ! ,s5ior ,executive ,s]vice s]v+ "u a political appo9tm5t & paid a rate ( basic pay at or above level ,,iv ( ! ,executive ,s*$ule4 7e7 ,any employee paid a rate ( basic pay 7includ+ any locality-bas$ paym5ts "u section #ecjd ( title #e1 ,unit$ ,/ates ,code1 or simil> au?ority7 at or above level ,,iv ( ! ,executive ,s*$ule :o s]ves "u a political appo9tm5t may n receive a pay rate increase 9 cal5d> ye> #bjaf1 not)/&+ any o!r provision ( law1 except z provid$ 9 subsection 7g71 7h71 or 7i74 ,?is subsection does n apply to employees 9 ! ,g5]al ,s*$ule pay sy/em or ! ,=eign ,s]vice pay sy/em1 or to employees appo9t$ "u section #cafa ( title #e1 ,unit$ ,/ates ,code1 or to employees 9 ano!r pay sy/em ^: position w\ld be classifi$ at ,,gs-#ae or bel[ if *apt] #ea ( title #e1 ,unit$ ,/ates ,code1 appli$ to !m4 7f7 ,no?+ 9 subsections 7b7 ?r\gh 7e7 %all prev5t employees :o d n s]ve "u a political appo9tm5t f receiv+ pay increases z o!rwise provid$ "u applicable law4 7g7 ,a c>e] appo9tee 9 ! ,s5ior ,executive ,s]vice :o receives a ,presid5tial appo9tm5t & :o makes an election to reta9 ,s5ior ,executive ,s]vice basic pay entitlem5ts "u section #ccib ( title #e1 ,unit$ ,/ates ,code1 is n subject to ?is section4 7h7 ,a memb] ( ! ,s5ior ,=eign ,s]vice :o receives a ,presid5tial appo9tm5t to any position 9 ! executive bran* & :o makes an election to reta9 ,s5ior ,=eign ,s]vice pay entitlem5ts "u section #cjb7;b7 ( ! ,=eign ,s]vice ,act ( #aihj 7,public ,law #if-dfe7 is n subject to ?is section4 7i7 ,not)/&+ subsections 7b7 ?r\gh 7e71 an employee 9 a cov]$ position may receive a pay rate increase ^u an au?oriz$ movem5t to a diff]5t cov]$ position ) high]-level duties & a pre-e/abli%$ high] level or range ( pay1 except t any su* increase mu/ be bas$ on ! rates ( pay & applicable pay limitations 9 effect on ,decemb] #ca1 #bjac4 7j7 ,not)/&+ any o!r provision ( law1 = an individual :o is newly appo9t$ to a cov]$ position dur+ ! p]iod ( "t subject to ?is section1 ! initial pay rate %all be bas$ on ! rates ( pay & applicable pay limitations 9 effect on ,decemb] #ca1 #bjac4 7k7 ,if an employee affect$ by subsections 7b7 ?r\gh 7e7 is subject to a biweekly pay p]iod t beg9s 9 cal5d> ye> #bjaf b ends 9 cal5d> ye> #bjag1 ! b> on ! employee's receipt ( pay rate increases %all apply ?r\gh ! end ( t pay p]iod4 #gci4 7a7 ,! head ( any ,executive bran* dep>tm5t1 ag5cy1 bo>d1 commission1 or (fice fund$ by ?is or any o!r appropriations ,act %all submit annual reports to ! ,inspector ,g5]al or s5ior e?ics (ficial = any entity )\t an ,inspector ,g5]al1 reg>d+ ! co/s & contract+ proc$ures relat$ to ea* conf]5ce held by any su* dep>tm5t1 ag5cy1 bo>d1 commission1 or (fice dur+ fiscal ye> #bjaf = :i* ! co/ to ! ,unit$ ,/ates ,gov]nm5t 0 m ?an #ajj1jjj4 7b7 ,ea* report submitt$ %all include1 = ea* conf]5ce describ$ 9 subsection 7a7 held dur+ ! applicable p]iod-- 7#a7 a description ( its purpose2 7#b7 ! numb] ( p>ticipants att5d+2 7#c7 a detail$ /atem5t ( ! co/s to ! ,unit$ ,/ates ,gov]nm5t1 includ+-- 7,a7 ! co/ ( any food or bev]ages2 7,b7 ! co/ ( any audio-visual s]vices2 7,c7 ! co/ ( employee or contractor travel to & f ! conf]5ce2 & 7,d7 a discussion ( ! me?odology us$ to det]m9e :i* co/s relate to ! conf]5ce2 & 7#d7 a description ( ! contract+ proc$ures us$ includ+-- 7,a7 :e!r contracts 7 aw>d$ on a competitive basis2 & 7,b7 a discussion ( any co/ comp>ison conduct$ by ! dep>tm5tal compon5t or (fice 9 evaluat+ pot5tial contractors = ! conf]5ce4 7c7 ,)9 #ae days ( ! date ( a conf]5ce held by any ,executive bran* dep>tm5t1 ag5cy1 bo>d1 commission1 or (fice fund$ by ?is or any o!r appropriations ,act dur+ fiscal ye> #bjaf = :i* ! co/ to ! ,unit$ ,/ates ,gov]nm5t 0 m ?an #bj1jjj1 ! head ( any su* dep>tm5t1 ag5cy1 bo>d1 commission1 or (fice %all notify ! ,inspector ,g5]al or s5ior e?ics (ficial = any entity )\t an ,inspector ,g5]al1 ( ! date1 location1 & numb] ( employees att5d+ su* conf]5ce4 7d7 ,a grant or contract fund$ by am\nts appropriat$ by ?is or any o!r appropriations ,act may n be us$ = ! purpose ( defray+ ! co/s ( a conf]5ce describ$ 9 subsection 7c7 t is n directly & programmatically relat$ to ! purpose = :i* ! grant or contract 0 aw>d$1 su* z a conf]5ce held 9 connection ) plann+1 tra9+1 assessm5t1 review1 or o!r r\t9e purposes relat$ to a project fund$ by ! grant or contract4 7e7 ,none ( ! funds made available 9 ?is or any o!r appropriations ,act may be us$ = travel & conf]5ce activities t are n 9 compliance ) ,(fice ( ,managem5t & ,budget ,memor&um ,m-#ab-ab dat$ ,may #aa1 #bjab4 #gdj4 ,none ( ! funds made available 9 ?is or any o!r appropriations ,act may be us$ to increase1 elim9ate1 or r$uce fund+ = a program1 project1 or activity z propos$ 9 ! ,presid5t's budget reque/ = a fiscal ye> until su* propos$ *ange is subsequ5tly enact$ 9 an appropriation ,act1 or unless su* *ange is made pursuant to ! reprogramm+ or transf] provisions ( ?is or any o!r appropriations ,act4 #gda4 ,none ( ! funds made available by ?is or any o!r ,act may be us$ to implem5t1 adm9i/]1 en=ce1 or apply ! rule entitl$ ,competitive ,area publi%$ by ! ,(fice ( ,p]sonnel ,managem5t 9 ! ,f$]al ,regi/] on ,april #ae1 #bjjh 7#gc ,f$4 ,reg4 #bjahj et seq474 #gdb4 ,none ( ! funds appropriat$ or o!rwise made available by ?is or any o!r ,act may be us$ to beg9 or ann\nce a /udy or public-private competition reg>d+ ! conv]sion to contractor p]=mance ( any function p]=m$ by ,f$]al employees pursuant to ,(fice ( ,managem5t & ,budget ,circul> ,a-#gf or any o!r adm9i/rative regulation1 directive1 or policy4 #gdc4 7a7 ,none ( ! funds appropriat$ or o!rwise made available by ?is or any o!r ,act may be available = a contract1 grant1 or coop]ative agreem5t ) an entity t requires employees or contractors ( su* entity seek+ to report fraud1 wa/e1 or abuse to sign int]nal confid5tiality agreem5ts or /atem5ts prohibit+ or o!rwise re/rict+ su* employees or contractors f lawfully report+ su* wa/e1 fraud1 or abuse to a designat$ inve/igative or law en=cem5t repres5tative ( a ,f$]al dep>tm5t or ag5cy au?oriz$ to receive su* in=mation4 7b7 ,! limitation 9 subsection 7a7 %all n contrav5e requirem5ts applicable to ,/&>d ,=m #cab1 ,=m #ddad1 or any o!r =m issu$ by a ,f$]al dep>tm5t or ag5cy gov]n+ ! nondisclosure ( classifi$ in=mation4 #gdd4 ,none ( ! funds made available by ?is or any o!r ,act may be us$ to ent] into a contract1 memor&um ( und]/&+1 or coop]ative agreem5t )1 make a grant to1 or provide a loan or loan gu>antee to1 any corporation t has any unpaid ,f$]al tax liability t has be5 assess$1 = :i* all judicial & adm9i/rative rem$ies h be5 exhau/$ or h laps$1 & t is n be+ paid 9 a timely mann] pursuant to an agreem5t ) ! au?ority responsible = collect+ ! tax liability1 :]e ! aw>d+ ag5cy is aw>e ( ! unpaid tax liability1 unless a ,f$]al ag5cy has consid]$ susp5sion or deb>m5t ( ! corporation & has made a det]m9ation t ?is fur!r action is n necess>y to protect ! int]e/s ( ! ,gov]nm5t4 #gde4 ,none ( ! funds made available by ?is or any o!r ,act may be us$ to ent] into a contract1 memor&um ( und]/&+1 or coop]ative agreem5t )1 make a grant to1 or provide a loan or loan gu>antee to1 any corporation t 0 convict$ ( a felony crim9al violation "u any ,f$]al law )9 ! prec$+ #bd mon?s1 :]e ! aw>d+ ag5cy is aw>e ( ! conviction1 unless a ,f$]al ag5cy has consid]$ susp5sion or deb>m5t ( ! corporation & has made a det]m9ation t ?is fur!r action is n necess>y to protect ! int]e/s ( ! ,gov]nm5t4 #gdf4 7a7 ,no funds appropriat$ 9 ?is or any o!r ,act may be us$ to implem5t or en=ce ! agreem5ts 9 ,/&>d ,=ms #cab & #ddad ( ! ,gov]nm5t or any o!r nondisclosure policy1 =m1 or agreem5t if su* policy1 =m1 or agreem5t does n conta9 ! foll[+ provisions3 ,^! provisions are consi/5t ) & d n sup]s$e1 conflict )1 or o!rwise alt] ! employee obligations1 rights1 or liabilities creat$ by exi/+ /atute or ,executive ord] relat+ to 7#a7 classifi$ in=mation1 7#b7 communications to ,congress1 7#c7 ! report+ to an ,inspector ,g5]al ( a violation ( any law1 rule1 or regulation1 or mismanagem5t1 a gross wa/e ( funds1 an abuse ( au?ority1 or a sub/antial & specific dang] to public heal? or safety1 or 7#d7 any o!r :i/lebl[] protection4 ,! def9itions1 requirem5ts1 obligations1 rights1 sanctions1 & liabilities creat$ by controll+ ,executive ord]s & /atutory provisions are incorporat$ into ?is agreem5t & are controll+43 ,provid$1 ,t not)/&+ ! prec$+ provision ( ?is section1 a nondisclosure policy =m or agreem5t t is to be execut$ by a p]son connect$ ) ! conduct ( an intellig5ce or intellig5ce-relat$ activity1 o!r ?an an employee or (fic] ( ! ,unit$ ,/ates ,gov]nm5t1 may conta9 provisions appropriate to ! p>ticul> activity = :i* su* docum5t is to be us$4 ,su* =m or agreem5t %all1 at a m9imum1 require t ! p]son w n disclose any classifi$ in=mation receiv$ 9 ! c\rse ( su* activity unless specifically au?oriz$ to d s by ! ,unit$ ,/ates ,gov]nm5t4 ,su* nondisclosure =ms %all also make x cle> t !y d n b> disclosures to ,congress1 or to an au?oriz$ (ficial ( an executive ag5cy or ! ,dep>tm5t ( ,ju/ice1 t are ess5tial to report+ a sub/antial violation ( law4 7b7 ,a nondisclosure agreem5t may cont9ue to be implem5t$ & en=c$ not)/&+ subsection 7a7 if x complies ) ! requirem5ts = su* agreem5t t 7 9 effect :5 ! agreem5t 0 ent]$ into4 7c7 ,no funds appropriat$ 9 ?is or any o!r ,act may be us$ to implem5t or en=ce any agreem5t ent]$ into dur+ fiscal ye> #bjad :i* does n conta9 sub/antially simil> language to t requir$ 9 subsection 7a74 #gdg4 ,none ( ! funds made available by ?is or any o!r ,act may be us$ to implem5t1 adm9i/]1 c>ry out1 modify1 revise1 or en=ce ,executive ,ord] #acfij 7entitl$ ,e/abli%+ a ,f$]al ,flood ,risk ,managem5t ,/&>d & a ,process = ,fur!r ,solicit+ & ,consid]+ ,/akehold] ,input74 #gdh4 ,if1 = fiscal ye> #bjaf1 new budget au?ority provid$ 9 appropriations ,acts exce$s ! discretion>y sp5d+ limit = any category set =? 9 section #bea7;c7 ( ! ,balanc$ ,budget & ,em]g5cy ,deficit ,control ,act ( #aihe due to e/imat+ diff]5ces ) ! ,congressional ,budget ,(fice1 an adju/m5t to ! discretion>y sp5d+ limit 9 su* category = fiscal ye> #bjaf %all be made by ! ,director ( ! ,(fice ( ,managem5t & ,budget 9 ! am\nt ( ! excess b ! total ( all su* adju/m5ts %all n exce$ #j4b p]c5t ( ! sum ( ! adju/$ discretion>y sp5d+ limits = all categories = t fiscal ye>4 #gdi4 ,except z expressly provid$ o!rwise1 any ref]5ce to ?is ,act conta9$ 9 any title o!r ?an title ,,iv or ,,viii %all n apply to su* title ,,iv or ,,viii4 ,,viii ,g5]al provisions--di/rict ( columbia 7includ+ transf]s ( funds7 #hja4 ,!re are appropriat$ f ! applicable funds ( ! ,di/rict ( ,columbia su* sums z may be necess>y = mak+ refunds & = ! paym5t ( legal settlem5ts or judgm5ts t h be5 ent]$ aga9/ ! ,di/rict ( ,columbia gov]nm5t4 #hjb4 ,none ( ! ,f$]al funds provid$ 9 ?is ,act %all be us$ = publicity or propag&a purposes or implem5tation ( any policy includ+ boycott design$ to support or defeat legislation p5d+ be=e ,congress or any ,/ate legislature4 #hjc4 7a7 ,none ( ! ,f$]al funds provid$ "u ?is ,act to ! ag5cies fund$ by ?is ,act1 bo? ,f$]al & ,di/rict gov]nm5t ag5cies1 t rema9 available = obligation or exp5diture 9 fiscal ye> #bjaf1 or provid$ f any acc\nts 9 ! ,treasury ( ! ,unit$ ,/ates d]iv$ by ! collection ( fees available to ! ag5cies fund$ by ?is ,act1 %all be available = obligation or exp5ditures = an ag5cy ?r\gh a reprogramm+ ( funds :i*-- 7#a7 creates new programs2 7#b7 elim9ates a program1 project1 or responsibility c5t]2 7#c7 e/abli%es or *anges allocations specifically d5i$1 limit$ or increas$ "u ?is ,act2 7#d7 increases funds or p]sonnel by any means = any program1 project1 or responsibility c5t] = :i* funds h be5 d5i$ or re/rict$2 7#e7 re-e/abli%es any program or project previ\sly def]r$ ?r\gh reprogramm+2 7#f7 augm5ts any exi/+ program1 project1 or responsibility c5t] ?r\gh a reprogramm+ ( funds 9 excess ( #c1jjj1jjj or #aj p]c5t1 :i*ev] is less2 or 7#g7 increases by #bj p]c5t or m p]sonnel assign$ to a specific program1 project or responsibility c5t]1 unless prior approval is receiv$ f ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate4 7b7 ,! ,di/rict ( ,columbia gov]nm5t is au?oriz$ to approve & execute reprogramm+ & transf] reque/s ( local funds "u ?is title ?r\gh ,novemb] #g1 #bjaf4 #hjd4 ,none ( ! ,f$]al funds provid$ 9 ?is ,act may be us$ by ! ,di/rict ( ,columbia to provide = sal>ies1 exp5ses1 or o!r co/s associat$ ) ! (fices ( ,unit$ ,/ates ,s5ator or ,unit$ ,/ates ,repres5tative "u section #d7;d7 ( ! ,di/rict ( ,columbia ,/atehood ,con/itutional ,conv5tion ,initiatives ( #aigi 7,d4,c4 ,law #c-aga2 ,d4,c4 ,(ficial ,code1 sec4 #a-abc74 #hje4 ,except z o!rwise provid$ 9 ?is section1 none ( ! funds made available by ?is ,act or by any o!r ,act may be us$ to provide any (fic] or employee ( ! ,di/rict ( ,columbia ) an (ficial vehicle unless ! (fic] or employee uses ! vehicle only 9 ! p]=mance ( ! (fic]'s or employee's (ficial duties4 ,= purposes ( ?is section1 ! t]m (ficial duties does n include travel betwe5 ! (fic]'s or employee's resid5ce & workplace1 except 9 ! case (-- 7#a7 an (fic] or employee ( ! ,metropolitan ,police ,dep>tm5t :o resides 9 ! ,di/rict ( ,columbia or is o!rwise designat$ by ! ,*ief ( ! ,dep>tm5t2 7#b7 at ! discretion ( ! ,fire ,*ief1 an (fic] or employee ( ! ,di/rict ( ,columbia ,fire & ,em]g5cy ,m$ical ,s]vices ,dep>tm5t :o resides 9 ! ,di/rict ( ,columbia & is on call #bd h\rs a day2 7#c7 at ! discretion ( ! ,director ( ! ,dep>tm5t ( ,corrections1 an (fic] or employee ( ! ,di/rict ( ,columbia ,dep>tm5t ( ,corrections :o resides 9 ! ,di/rict ( ,columbia & is on call #bd h\rs a day2 7#d7 at ! discretion ( ! ,*ief ,m$ical ,exam9]1 an (fic] or employee ( ! ,(fice ( ! ,*ief ,m$ical ,exam9] :o resides 9 ! ,di/rict ( ,columbia & is on call #bd h\rs a day2 7#e7 at ! discretion ( ! ,director ( ! ,homel& ,security & ,em]g5cy ,managem5t ,ag5cy1 an (fic] or employee ( ! ,homel& ,security & ,em]g5cy ,managem5t ,ag5cy :o resides 9 ! ,di/rict ( ,columbia & is on call #bd h\rs a day2 7#f7 ! ,mayor ( ! ,di/rict ( ,columbia2 & 7#g7 ! ,*airman ( ! ,c\ncil ( ! ,di/rict ( ,columbia4 #hjf4 7a7 ,none ( ! ,f$]al funds conta9$ 9 ?is ,act may be us$ by ! ,di/rict ( ,columbia ,attorney ,g5]al or any o!r (fic] or entity ( ! ,di/rict gov]nm5t to provide assi/ance = any petition drive or civil action :i* seeks to require ,congress to provide = vot+ repres5tation 9 ,congress = ! ,di/rict ( ,columbia4 7b7 ,no?+ 9 ?is section b>s ! ,di/rict ( ,columbia ,attorney ,g5]al f review+ or comm5t+ on briefs 9 private lawsuits1 or f consult+ ) (ficials ( ! ,di/rict gov]nm5t reg>d+ su* lawsuits4 #hjg4 ,none ( ! ,f$]al funds conta9$ 9 ?is ,act may be us$ to di/ribute any ne$le or syr+e = ! purpose ( prev5t+ ! spread ( blood borne pa?og5s 9 any location t has be5 det]m9$ by ! local public heal? or local law en=cem5t au?orities to be inappropriate = su* di/ribution4 #hjh4 ,no?+ 9 ?is ,act may be con/ru$ to prev5t ! ,c\ncil or ,mayor ( ! ,di/rict ( ,columbia f address+ ! issue ( ! provision ( contraceptive cov]age by heal? insurance plans1 b x is ! int5t ( ,congress t any legislation enact$ on su* issue %\ld include a consci5ce clause :i* provides exceptions = religi\s beliefs & moral convictions4 #hji4 ,none ( ! ,f$]al funds appropriat$ "u ?is ,act %all be exp5d$ = any abortion except :]e ! life ( ! "m w\ld be endang]$ if ! fetus 7 c>ri$ to t]m or :]e ! pregnancy is ! result ( an act ( rape or ince/4 #haj4 7a7 ,no lat] ?an #cj cal5d> days aft] ! date ( ! enactm5t ( ?is ,act1 ! ,*ief ,f9ancial ,(fic] = ! ,di/rict ( ,columbia %all submit to ! appropriate committees ( ,congress1 ! ,mayor1 & ! ,c\ncil ( ! ,di/rict ( ,columbia1 a revis$ appropriat$ funds op]at+ budget 9 ! =mat ( ! budget t ! ,di/rict ( ,columbia gov]nm5t submitt$ pursuant to section #ddb ( ! ,di/rict ( ,columbia ,home ,rule ,act 7,d4,c4 ,(ficial ,code1 sec4 #a-bjd4db71 = all ag5cies ( ! ,di/rict ( ,columbia gov]nm5t = fiscal ye> #bjaf t is 9 ! total am\nt ( ! approv$ appropriation & t realigns all budget$ data = p]sonal s]vices & o!r-?an-p]sonal s]vices1 respectively1 ) anticipat$ actual exp5ditures4 7b7 ,?is section %all apply only to an ag5cy = :i* ! ,*ief ,f9ancial ,(fic] = ! ,di/rict ( ,columbia c]tifies t a reallocation is requir$ to address unanticipat$ *anges 9 program requirem5ts4 #haa4 ,no lat] ?an #cj cal5d> days aft] ! date ( ! enactm5t ( ?is ,act1 ! ,*ief ,f9ancial ,(fic] = ! ,di/rict ( ,columbia %all submit to ! appropriate committees ( ,congress1 ! ,mayor1 & ! ,c\ncil = ! ,di/rict ( ,columbia1 a revis$ appropriat$ funds op]at+ budget = ! ,di/rict ( ,columbia ,public ,s*ools t aligns s*ools budgets to actual enrollm5t4 ,! revis$ appropriat$ funds budget %all be 9 ! =mat ( ! budget t ! ,di/rict ( ,columbia gov]nm5t submitt$ pursuant to section #ddb ( ! ,di/rict ( ,columbia ,home ,rule ,act 7,d4,c4 ,(ficial ,code1 sec4 #a-bjd4db74 #hab4 7a7 ,am\nts appropriat$ 9 ?is ,act z op]at+ funds may be transf]r$ to ! ,di/rict ( ,columbia's ent]prise & capital funds & su* am\nts1 once transf]r$1 %all reta9 appropriation au?ority consi/5t ) ! provisions ( ?is ,act4 7b7 ,! ,di/rict ( ,columbia gov]nm5t is au?oriz$ to reprogram or transf] = op]at+ exp5ses any local funds transf]r$ or reprogramm$ 9 ?is or ! f\r prior fiscal ye>s f op]at+ funds to capital funds1 & su* am\nts1 once transf]r$ or reprogramm$1 %all reta9 appropriation au?ority consi/5t ) ! provisions ( ?is ,act4 7c7 ,! ,di/rict ( ,columbia gov]nm5t may n transf] or reprogram = op]at+ exp5ses any funds d]iv$ f bonds1 notes1 or o!r obligations issu$ = capital projects4 #hac4 ,none ( ! ,f$]al funds appropriat$ 9 ?is ,act %all rema9 available = obligation beyond ! curr5t fiscal ye>1 nor may any be transf]r$ to o!r appropriations1 unless expressly s provid$ h]e94 #had4 ,except z o!rwise specifically provid$ by law or "u ?is ,act1 n to exce$ #ej p]c5t ( unobligat$ balances rema9+ available at ! end ( fiscal ye> #bjaf f appropriations ( ,f$]al funds made available = sal>ies & exp5ses = fiscal ye> #bjaf 9 ?is ,act1 %all rema9 available ?r\gh ,septemb] #cj1 #bjag1 = ea* su* acc\nt = ! purposes au?oriz$3 ,provid$1 ,t a reque/ %all be submitt$ to ! ,committees on ,appropriations ( ! ,h\se ( ,repres5tatives & ! ,s5ate = approval prior to ! exp5diture ( su* funds3 ,provid$ fur!r1 ,t ^! reque/s %all be made 9 compliance ) reprogramm+ guidel9es outl9$ 9 section #hjc ( ?is ,act4 #hae4 7a7 ,dur+ fiscal ye> #bjag1 dur+ a p]iod 9 :i* nei!r a ,di/rict ( ,columbia cont9u+ resolution or a regul> ,di/rict ( ,columbia appropriation bill is 9 effect1 local funds are appropriat$ 9 ! am\nt provid$ = any project or activity = :i* local funds are provid$ 9 ! ,fiscal ,ye> #bjag ,budget ,reque/ ,act ( #bjaf z submitt$ to ,congress 7subject to any modifications enact$ by ! ,di/rict ( ,columbia z ( ! beg9n+ ( ! p]iod dur+ :i* ?is subsection is 9 effect7 at ! rate set =? by su* ,act4 7b7 ,appropriations made by subsection 7a7 %all cease to be available-- 7#a7 dur+ any p]iod 9 :i* a ,di/rict ( ,columbia cont9u+ resolution = fiscal ye> #bjag is 9 effect2 or 7#b7 ^u ! enactm5t into law ( ! regul> ,di/rict ( ,columbia appropriation bill = fiscal ye> #bjag4 7c7 ,an appropriation made by subsection 7a7 is provid$ "u ! au?ority & conditions z provid$ "u ?is ,act & %all be available to ! ext5t & 9 ! mann] t w\ld be provid$ by ?is ,act4 7d7 ,an appropriation made by subsection 7a7 %all cov] all obligations or exp5ditures incurr$ = su* project or activity dur+ ! portion ( fiscal ye> #bjag = :i* ?is section applies to su* project or activity4 7e7 ,?is section %all n apply to a project or activity dur+ any p]iod ( fiscal ye> #bjag if any o!r provision ( law 7o!r ?an an au?orization ( appropriations7-- 7#a7 makes an appropriation1 makes funds available1 or grants au?ority = su* project or activity to cont9ue = su* p]iod2 or 7#b7 specifically provides t no appropriation %all be made1 no funds %all be made available1 or no au?ority %all be grant$ = su* project or activity to cont9ue = su* p]iod4 7f7 ,no?+ 9 ?is section %all be con/ru$ to affect obligations ( ! gov]nm5t ( ! ,di/rict ( ,columbia m&at$ by o!r law4 #haf4 7a7 ,?is section may be cit$ z ! ,d4,c4 ,opportunity ,s*ol>%ip ,program ,s*ool ,c]tification ,requirem5ts ,act4 7b7 ,section #cjjg7;a7 ( ! ,s*ol>%ips = ,opportunity & ,results ,act 7,public ,law #aab-aj2 #abe ,/at4 #bjc7 is am5d$-- 7#a7 9 p>agraph 7#d7-- 7,a7 9 subp>agraph 7,e71 by /rik+ & aft] ! semicolon2 7,b7 9 subp>agraph 7,f71 by /rik+ ! p]iod at ! end & ins]t+ a semicolon2 & 7,c7 by add+ at ! end ! foll[+3 7,g7 7i7 is provisionally or fully accr$it$ by a national or regional accr$it+ ag5cy t is recogniz$ 9 ! ,di/rict ( ,columbia ,s*ool ,re=m ,act ( #aiie 7sec4 #ch-ahjb4jb7af77;,a7-7,g71 ,d4,c4 ,(ficial ,code7 or any o!r accr$it+ body deem$ appropriate by ! ,(fice ( ! ,/ate ,sup]9t5d5t = ,s*ools = ! purposes ( accr$it+ an elem5t>y or second>y s*ool2 or 7ii7 9 ! case ( a s*ool t is a p>ticipat+ s*ool z ( ! day be=e ! date ( enactm5t ( ! ,d4,c4 ,opportunity ,s*ol>%ip ,program ,s*ool ,c]tification ,requirem5ts ,act &1 z ( su* day1 does n meet ! requirem5ts ( clause 7i7-- 7,i7 by n lat] ?an #a ye> aft] su* date ( enactm5t1 is pursu+ accr$itation by a national or regional accr$it+ ag5cy recogniz$ 9 ! ,di/rict ( ,columbia ,s*ool ,re=m ,act ( #aiie 7sec4 #ch-ahjb4jb7af77;,a7-7,g71 ,d4,c4 ,(ficial ,code7 or any o!r accr$it+ body deem$ appropriate by ! ,(fice ( ! ,/ate ,sup]9t5d5t = ,s*ools = ! purposes ( accr$it+ an elem5t>y or second>y s*ool2 & 7,,ii7 by n lat] ?an #e ye>s aft] su* date ( enactm5t1 is provisionally or fully accr$it$ by su* accr$it+ ag5cy1 except t an eligible entity may grant n m ?an "o #a-ye> ext5sion to meet ?is requirem5t = ea* p>ticipat+ s*ool t provides evid5ce to ! eligible entity f su* accr$it+ ag5cy t ! s*ool's application = accr$itation is 9 process & ! s*ool w be aw>d$ accr$itation be=e ! end ( ! #a-ye> ext5sion p]iod2 7,h7 conducts crim9al backgr\nd *ecks on s*ool employees :o h direct & unsup]vis$ int]action ) /ud5ts2 & 7,i7 complies ) all reque/s = data & in=mation reg>d+ ! report+ requirem5ts describ$ 9 section #cjaj4 2 & 7#b7 by add+ at ! end ! foll[+3 7#e7 ,new p>ticipat+ s*ools ,if a s*ool is n a p>ticipat+ s*ool z ( ! date ( enactm5t ( ! ,d4,c4 ,opportunity ,s*ol>%ip ,program ,s*ool ,c]tification ,requirem5ts ,act1 ! s*ool %all n become a p>ticipat+ s*ool & none ( ! funds provid$ "u ?is division = opportunity s*ol>%ips may be us$ by an eligible /ud5t to enroll 9 t s*ool unless ! s*ool-- 7,a7 is actively pursu+ provisional or full accr$itation by a national or regional accr$it+ ag5cy t is recogniz$ 9 ! ,di/rict ( ,columbia ,s*ool ,re=m ,act ( #aiie 7sec4 #ch-ahjb4jb7af77;,a7-7,g71 ,d4,c4 ,(ficial ,code7 or any o!r accr$it+ body deem$ appropriate by ! ,(fice ( ! ,/ate ,sup]9t5d5t = ,s*ools = ! purposes ( accr$it+ an elem5t>y or second>y s*ool2 & 7,b7 meets all ( ! o!r requirem5ts = p>ticipat+ s*ools "u ?is ,act4 7#f7 ,enroll+ 9 ano!r s*ool ,an eligible entity %all assi/ ! p>5ts ( a p>ticipat+ eligible /ud5t 9 id5tify+1 apply+ to1 & enroll+ 9 an ano!r p>ticipat+ s*ool = :i* opportunity s*ol>%ip funds may be us$1 if-- 7,a7 su* /ud5t is enroll$ 9 a p>ticipat+ private s*ool & may no long] use opportunity s*ol>%ip funds = enrollm5t 9 t p>ticipat+ private s*ool because su* s*ool fails to meet a requirem5t "u p>agraph #d1 or any o!r requirem5t ( ?is ,act2 or 7,b7 a p>ticipat+ eligible /ud5t is enroll$ 9 a s*ool t ceases to be a p>ticipat+ s*ool4 4 7c7 ,report to eligible entities ,section #cjaj ( ! ,s*ol>%ips = ,opportunity & ,results ,act 7,public ,law #aab-aj2 #abe ,/at4 #bjc7 is fur!r am5d$-- 7#a7 by r$esignat+ subsection 7d7 z subsection 7e72 & 7#b7 by ins]t+ aft] subsection 7c7 ! foll[+3 7d7 ,reports to eligible entities ,! eligible entity receiv+ funds "u section #cjjd7;a7 %all ensure t ea* p>ticipat+ s*ool "u ?is division submits to ! eligible entity beg9n+ n lat] ?an #e ye>s aft] ! date ( ! enactm5t ( ! ,d4,c4 ,opportunity ,s*ol>%ip ,program ,s*ool ,c]tification ,requirem5ts ,act1 a c]tification t ! s*ool has be5 aw>d$ provisional or full accr$itation1 or has be5 grant$ an ext5sion by ! eligible entity 9 accordance ) section #cjjg7;a77#d77;,g74 4 7d7 ,unless specifically provid$ o!rwise1 ?is section1 & ! am5dm5ts made by ?is section1 %all take effect #a ye> aft] ! date ( enactm5t ( ?is ,act4 #hag4 ,subp>agraph 7,g7 ( section #c7;c77#b7 ( ! ,di/rict ( ,columbia ,college ,access ,act ( #aiii 7,public ,law #ajf-ih71 z am5d$1 is fur!r am5d$3 7#a7 by ins]t+ aft] 7,g71 7i7 = individuals :o began an und]graduate c\rse ( /udy prior to s*ool ye> #bjae-bjaf12 & 7#b7 by ins]t+ ! foll[+ be=e ! p]iod at ! end3 & 7ii7 = individuals :o beg9 an und]graduate c\rse ( /udy 9 or aft] s*ool ye> #bjaf-bjag1 is f a family ) a taxable annual income ( less ?an #dej1jjj4 ,beg9n+ ) s*ool ye> #bjag-bjah1 ! ,mayor %all adju/ ! am\nts 9 clauses 7i7 & 7ii7 = inflation1 z measur$ by ! p]c5tage increase1 if any1 f ! prec$+ fiscal ye> 9 ! ,consum] ,price ,index = ,all ,urban ,consum]s1 publi%$ by ! ,bureau ( ,labor ,/ati/ics ( ! ,dep>tm5t ( ,labor4 #hah4 ,except z expressly provid$ o!rwise1 any ref]5ce to ?is ,act conta9$ 9 ?is title or 9 title ,,iv %all be treat$ z ref]r+ only to ! provisions ( ?is title or ( title ,,iv4 ,,ix ,f9ancial ,regulatory ,improvem5ts #ija4 ,%ort title ,?is title may be cit$ z ! ,f9ancial ,regulatory ,improvem5t ,act ( #bjae4 ,a ,regulatory relief & protection ( consum] access to cr$it #ijb4 ,exception to annual writt5 privacy notice requirem5t "u ! ,gramm-,lea*-,bliley ,act ,section #ejc ( ! ,gramm-,lea*-,bliley ,act 7#ae ,u4,s4,c4 #fhjc7 is am5d$ by add+ at ! end ! foll[+3 7f7 ,exception to annual writt5 notice requirem5t 7#a7 ,9 g5]al ,a f9ancial in/itution describ$ 9 p>agraph 7#b7 %all n be requir$ to provide an annual writt5 disclosure "u ?is section until su* "t z ! f9ancial in/itution fails to comply ) subp>agraph 7,a71 7,b71 or 7,c7 ( p>agraph 7#b74 7#b7 ,cov]$ in/itutions ,a f9ancial in/itution describ$ 9 ?is p>agraph is a f9ancial in/itution t-- 7,a7 provides nonpublic p]sonal in=mation only 9 accordance ) ! provisions ( subsection 7b77#b7 or 7e7 ( section #ejb or regulations prescrib$ "u section #ejd7;b72 7,b7 has n *ang$ its policies & practices ) respect to disclos+ nonpublic p]sonal in=mation f ! policies & practices t 7 disclos$ 9 ! mo/ rec5t disclosure s5t to consum]s 9 accordance ) ?is section2 & 7,c7 o!rwise provides cu/om]s access to su* mo/ rec5t disclosure 9 electronic or o!r =m p]mitt$ by regulations prescrib$ "u section #ejd4 4 #ijc4 ,privately insur$ cr$it unions au?oriz$ to become memb]s ( a ,f$]al ,home ,loan ,bank 7a7 ,9 g5]al ,section #d7;a7 ( ! ,f$]al ,home ,loan ,bank ,act 7#ab ,u4,s4,c4 #adbd7;a77 is am5d$ by add+ at ! end ! foll[+3 7#e7 ,c]ta9 privately insur$ cr$it unions 7,a7 ,9 g5]al ,subject to ! requirem5ts ( subp>agraph 7,b71 a cr$it union t lacks insurance ( its memb] acc\nts "u ,f$]al law %all be treat$ z an insur$ depository in/itution = purposes ( ?is ,act4 7,b7 ,c]tification by appropriate ,/ate sup]visor ,= purposes ( ?is p>agraph1 a cr$it union t lacks insurance ( its memb] acc\nts "u ,f$]al law & t has appli$ = memb]%ip 9 a ,f$]al ,home ,loan ,bank %all be treat$ z an insur$ depository in/itution if ! foll[+ has occurr$3 7i7 ,det]m9ation by ,/ate sup]visor ( ! cr$it union 7,i7 ,9 g5]al ,subject to subclause 7,,ii71 ! appropriate sup]visor ( ! ,/ate 9 :i* ! cr$it union is *>t]$ has det]m9$ t ! cr$it union meets all ! eligibility requirem5ts "u section #bja7;a7 ( ! ,f$]al ,cr$it ,union ,act 7#ab ,u4,s4,c4 #agha7;a77 to apply = insurance ( its memb] acc\nts z ( ! date ( ! application = memb]%ip4 7,,ii7 ,c]tification deem$ valid ,9 ! case ( any cr$it union to :i* subclause 7,i7 applies1 if ! appropriate sup]visor ( ! ,/ate 9 :i* su* cr$it union is *>t]$ fails to make ! det]m9ation requir$ pursuant to su* subclause by ! end ( ! #ab-mon? p]iod beg9n+ on ! date on :i* ! application is submitt$ to ! sup]visor1 ! cr$it union %all be deem$ to h met ! requirem5ts ( subclause 7,i74 7ii7 ,det]m9ation by ,/ate sup]visor ( ! private deposit insur] ,! lic5s+ entity ( ! private deposit insur] t is insur+ ! memb] acc\nts ( ! cr$it union-- 7,i7 receives1 on an annual basis1 an indep5d5t actu>ial op9ion t ! private insur] has set aside suffici5t res]ves = losses2 & 7,,ii7 obta9s1 z frequ5tly z appropriate1 b n less frequ5tly ?an once e #cf mon?s1 a /udy by an indep5d5t actu>y on ! capital adequacy ( ! private insur]4 7iii7 ,submission ( f9ancial in=mation ,! cr$it union or ! appropriate sup]visor ( ! ,/ate 9 :i* ! cr$it union is *>t]$ makes available1 & cont9ues to make available = su* "t z ! cr$it union is a memb] ( a ,f$]al ,home ,loan ,bank1 to ! ,f$]al ,h\s+ ,f9ance ,ag5cy or to ! ,f$]al ,home ,loan ,bank all reports1 records1 & o!r in=mation relat$ to any exam9ation or inquiry p]=m$ by ! sup]visor conc]n+ ! f9ancial condition ( ! cr$it union1 z soon z is practicable4 7,c7 ,security int]e/s ( ,f$]al ,home ,loan ,bank n avoidable ,not)/&+ any provision ( ,/ate law au?oriz+ a cons]vator or liquidat+ ag5t ( a cr$it union to repudiate contracts1 no su* provision %all apply ) respect to-- 7i7 any ext5sion ( cr$it f any ,f$]al ,home ,loan ,bank to any cr$it union t is a memb] ( any su* bank pursuant to ?is p>agraph2 or 7ii7 any security int]e/ 9 ! assets ( su* a cr$it union secur+ any su* ext5sion ( cr$it4 7,d7 ,protection = c]ta9 ,f$]al ,home ,loan ,bank advances ,not)/&+ any ,/ate law to ! contr>y1 if a ,bank makes an advance "u section #aj to a ,/ate-*>t]$ cr$it union t is n f$]ally insur$-- 7i7 ! int]e/ ( ! ,bank 9 any collat]al secur+ ! advance has ! same priority & is af=d$ ! same /&+ & rights t ! security int]e/ w\ld h _h if ! advance _h be5 made to a f$]ally insur$ cr$it union2 & 7ii7 ! ,bank has ! same "r to access su* collat]al t ! ,bank w\ld h _h if ! advance _h be5 made to a f$]ally insur$ cr$it union4 4 7b7 ,copies ( audits ( private insur]s ( c]ta9 depository in/itutions requir$ to be provid$ to sup]visory ag5cies ,section #dc7;a77#b77;,a7 ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahcat7a77#b77;,a77 is am5d$-- 7#a7 9 clause 7i71 by /rik+ 2 & & ins]t+ a semicolon2 7#b7 9 clause 7ii71 by /rik+ ! p]iod at ! end & ins]t+ 2 &2 & 7#c7 by add+ at ! end ! foll[+3 7iii7 9 ! case ( depository in/itutions describ$ 9 subsection 7e77#b77;,a71 ! memb] acc\nts ( :i* are insur$ by ! private deposit insur]1 :i* are memb]s ( a ,f$]al home loan bank1 to ! ,f$]al ,h\s+ ,f9ance ,ag5cy1 n lat] ?an #g days aft] ! audit is complet$4 4 7c7 ,,gao ,report ,n lat] ?an #ah mon?s aft] ! date ( enactm5t ( ?is title1 ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all conduct a /udy & submit to ,congress a report on-- 7#a7 ! adequacy ( insurance res]ves held by any private deposit insur] t insures ! memb] acc\nts ( any entity describ$ 9 section #dc7;e77#b77;,a7 ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahcat7e77#b77;,a772 & 7#b7 = any entity describ$ 9 p>agraph 7#a71 ! memb] acc\nts ( :i* are insur$ by a private deposit insur]1 ! level ( compliance ) ,f$]al regulations relat+ to ! disclosure ( a lack ( ,f$]al deposit insurance4 #ijd4 ,designation ( rural area 7a7 ,application ,n lat] ?an #ij days aft] ! date ( enactm5t ( ?is title1 ! ,bureau ( ,consum] ,f9ancial ,protection %all e/abli% an application process "u :i* a p]son :o lives or does bus9ess 9 a ,/ate may1 ) respect to an area id5tifi$ by ! p]son 9 ! ,/ate t has n be5 designat$ by ! ,bureau ( ,consum] ,f9ancial ,protection z a rural area = purposes ( a ,f$]al consum] f9ancial law 7z def9$ 9 section #ajjb ( ! ,consum] ,f9ancial ,protection ,act ( #bjaj 7#ab ,u4,s4,c4 #edha771 apply = su* area to be s designat$4 7b7 ,evaluation crit]ia ,9 evaluat+ an application submitt$ "u subsection 7a71 ! ,bureau ( ,consum] ,f9ancial ,protection %all take into consid]ation ! foll[+ factors3 7#a7 ,crit]ia us$ by ! ,director ( ! ,bureau ( ! ,c5sus = classify+ geographical areas z rural or urban4 7#b7 ,crit]ia us$ by ! ,director ( ! ,(fice ( ,managem5t & ,budget to designate c\nties z metropolitan1 micropolitan1 or nei!r4 7#c7 ,crit]ia us$ by ! ,secret>y ( ,agriculture to det]m9e prop]ty eligibility = rural developm5t programs4 7#d7 ,! ,dep>tm5t ( ,agriculture rural-urban commut+ area codes4 7#e7 ,a writt5 op9ion provid$ by ! ,/ate bank sup]visor 7z def9$ 9 section #c ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahac74 7#f7 ,population d5sity4 7c7 ,rule ( con/ruction ,if1 at any "t be=e ! date on :i* an application is submitt$ "u subsection 7a71 ! area subject to review has be5 designat$ z nonrural by any ,f$]al ag5cy describ$ 9 subsection 7b7 us+ any ( ! crit]ia describ$ 9 t subsection1 ! ,bureau ( ,consum] ,f9ancial ,protection %all n be requir$ to consid] su* designation 9 its evaluation4 7d7 ,public comm5t p]iod 7#a7 ,9 g5]al ,n lat] ?an #fj days aft] ! date on :i* an application submitt$ "u subsection 7a7 is receiv$1 ! ,bureau ( ,consum] ,f9ancial ,protection %all-- 7,a7 publi% ! application on ! website ( ! ,bureau ( ,consum] ,f9ancial ,protection2 & 7,b7 make ! application available = public comm5t = n few] ?an #ij days4 7#b7 ,limitation on additional applications ,no?+ 9 ?is section %all be con/ru$ to require ! ,bureau ( ,consum] ,f9ancial ,protection1 dur+ ! public comm5t p]iod describ$ 9 p>agraph 7#a7 ) respect to an application submitt$ "u subsection 7a71 to accept an additional application ) respect to ! area t is ! subject ( ! initial application4 7e7 ,decision on designation ,n lat] ?an #ij days aft] ! end ( ! public comm5t p]iod describ$ 9 subsection 7d77#a71 ! ,bureau ( ,consum] ,f9ancial ,protection %all-- 7#a7 grant or d5y su* application1 9 :ole or 9 "p2 & 7#b7 publi% su* grant or d5ial 9 ! ,f$]al ,regi/]1 along ) an explanation ( ! factors on :i* ! ,bureau ( ,consum] ,f9ancial ,protection reli$ 9 mak+ su* decision4 7f7 ,subsequ5t applications ,a decision by ! ,bureau "u subsection 7e7 to d5y an application = an area to be designat$ z a rural area %all n preclude ! ,bureau ( ,consum] ,f9ancial ,protection f accept+ a subsequ5t application submitt$ "u subsection 7a7 = ! area to be s designat$ if ! subsequ5t application is submitt$ aft] ! date on :i* ! #ij-;day p]iod beg9n+ on ! date on :i* ! ,bureau ( ,consum] ,f9ancial ,protection d5ies ! application "u subsection 7e7 expires4 7g7 ,op]ations 9 rural areas ,! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afja et seq47 is am5d$-- 7#a7 9 section #abi;,c7b77#b77;,e77iv77,i7 7#ae ,u4,s4,c4 #afci;c7b77#b77;,e77iv77,i771 by /rik+ pr$om9antly2 & 7#b7 9 section #abi;,d7c77#a7 7#ae ,u4,s4,c4 #afci;d7c77#a771 by /rik+ pr$om9antly4 #ije4 ,indep5d5t ,exam9ation ,review 7a7 ,9 g5]al ,! ,f$]al ,f9ancial ,in/itutions ,exam9ation ,c\ncil ,act ( #aigh 7#ab ,u4,s4,c4 #ccja et seq47 is am5d$ by add+ at ! end ! foll[+3 #ajab4 ,(fice ( ,indep5d5t ,exam9ation ,review 7a7 ,e/abli%m5t ,!re is e/abli%$ 9 ! ,c\ncil an ,(fice ( ,indep5d5t ,exam9ation ,review4 7b7 ,head ( (fice 7#a7 ,e/abli%m5t ,!re is e/abli%$ ! position ( ! ,director z ! head ( ! ,(fice ( ,indep5d5t ,exam9ation ,review1 :o %all be appo9t$ by ! ,c\ncil = a t]m ( #e ye>s4 7#b7 ,removal 7,a7 ,9 g5]al ,! ,presid5t may remove ! ,director f (fice4 7,b7 ,congressional notification ,n lat] ?an #cj days aft] ! date on :i* ! ,director is remov$ f (fice "u subp>agraph 7,a71 ! ,presid5t %all submit to ,congress a writt5 notification describ+ ! reasons = ! removal4 7c7 ,/aff+ ,! ,director may hire /aff to support ! activities ( ! ,(fice ( ,indep5d5t ,exam9ation ,review4 7d7 ,duties ,! ,director %all-- 7#a7 receive &1 at ! discretion ( ! ,director1 inve/igate compla9ts f f9ancial in/itutions1 repres5tatives ( f9ancial in/itutions1 or any o!r entity act+ on behalf ( f9ancial in/itutions1 conc]n+ exam9ations1 exam9ation practices1 or exam9ation reports2 7#b7 hold meet+s1 n less ?an once e #ij days & 9 locations design$ to enc\rage p>ticipation f all regions ( ! ,unit$ ,/ates1 ) f9ancial in/itutions1 repres5tatives ( f9ancial in/itutions1 or any o!r entity act+ on behalf ( f9ancial in/itutions1 to discuss exam9ation proc$ures1 exam9ation practices1 or exam9ation policies2 7#c7 review exam9ation proc$ures ( ! ,f$]al f9ancial in/itutions regulatory ag5cies to ensure t ! writt5 exam9ation policies ( ! ag5cies are be+ foll[$ 9 practice & adh]e to ! /&>ds = consi/5cy e/abli%$ by ! ,c\ncil2 7#d7 conduct a cont9u+ & regul> program ( exam9ation quality assurance = all types ( exam9ations conduct$ by ! ,f$]al f9ancial in/itutions regulatory ag5cies2 & 7#e7 submit to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate1 ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives1 & ! ,c\ncil an annual report on ! reviews c>ri$ out pursuant to p>agraphs 7#c7 & 7#d71 includ+ recomm5dations = improvem5ts 9 exam9ation proc$ures1 practices1 & policies4 7e7 ,confid5tiality ,! ,director %all keep confid5tial-- 7#a7 all meet+s1 discussions1 & in=mation provid$ by f9ancial in/itutions2 & 7#b7 any confid5tial or privileg$ in=mation provid$ by a ,f$]al f9ancial in/itutions regulatory ag5cy4 7f7 ,fund+2 budget 7#a7 ,9 g5]al ,"o-fif? ( ! co/s & exp5ses ( ! ,(fice ( ,indep5d5t ,exam9ation ,review1 includ+ ! sal>ies ( its employees1 %all be paid by ea* ( ! ,f$]al f9ancial in/itutions regulatory ag5cies1 :i* %all be bas$ on ! budget submitt$ "u p>agraph 7#b74 7#b7 ,budget ,n lat] ?an ,april #ae ( ea* fiscal ye>1 ! ,director %all submit to ! ,c\ncil a project$ budget = ! ,(fice ( ,indep5d5t ,exam9ation ,review = ! foll[+ fiscal ye>4 4 7b7 ,def9itions ,section #ajjc ( ! ,f$]al ,f9ancial ,in/itutions ,exam9ation ,c\ncil ,act ( #aigh 7#ab ,u4,s4,c4 #ccjb7 is am5d$-- 7#a7 by /rik+ p>agraph 7#a7 & ins]t+ ! foll[+3 7#a7 ! t]m ,f$]al f9ancial in/itutions regulatory ag5cies means ! ,(fice ( ! ,comptroll] ( ! ,curr5cy1 ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 ! ,f$]al ,deposit ,insurance ,corporation1 ! ,national ,cr$it ,union ,adm9i/ration1 & ! ,bureau ( ,consum] ,f9ancial ,protection2 2 7#b7 9 p>agraph 7#b71 by /rik+ 2 & & ins]t+ a semicolon2 7#c7 9 p>agraph 7#c71 by /rik+ ! semicolon & ins]t+ 2 &2 & 7#d7 by add+ at ! end ! foll[+3 7#d7 ! t]m ,director means ! ,director e/abli%$ "u section #ajab4 4 7c7 ,f$]al bank+ ag5cy ombudsman 7#a7 ,9 g5]al ,section #cji ( ! ,riegle ,community ,developm5t & ,regulatory ,improvem5t ,act ( #aiid 7#ab ,u4,s4,c4 #dhjf7 is am5d$-- 7,a7 9 ! fir/ s5t5ce ( subsection 7a71 by ins]t+ 1 ! ,bureau ( ,consum] ,f9ancial ,protection1 aft] ,f$]al bank+ ag5cy2 7,b7 9 subsection 7b7-- 7i7 by r$esignat+ p>agraphs 7#a7 & 7#b7 z subp>agraphs 7,a7 & 7,b71 respectively1 & adju/+ ! m>g9s accord+ly2 7ii7 9 ! matt] prec$+ subp>agraph 7,a71 z s r$esignat$1 by /rik+ ,9 e/abli%+ & ins]t+ ! foll[+3 7#a7 ,9 g5]al ,9 e/abli%+ 2 7iii7 9 p>agraph 7#a77;,b71 z s r$esignat$1 by /rik+ ! appellant f retaliation by ag5cy exam9]s & ins]t+ ! insur$ depository in/itution or insur$ cr$it union f retaliation by an ag5cy ref]r$ to 9 subsection 7a72 & 7iv7 by add+ at ! end ! foll[+3 7#b7 ,retaliation ,= purposes ( ?is subsection & subsection 7e71 retaliation includes delay+ consid]ation (1 or )hold+ approval (1 any reque/1 notice1 or application t o!rwise w\ld h be5 approv$1 b = ! ex]cise ( ! rights ( ! insur$ depository in/itution or insur$ cr$it union "u ?is section4 2 & 7,c7 9 subsection 7e77#b7-- 7i7 9 subp>agraph 7,b71 by /rik+ 2 & & ins]t+ a semicolon2 7ii7 9 subp>agraph 7,c71 by /rik+ ! p]iod at ! end & ins]t+ 2 &2 & 7iii7 by add+ at ! end ! foll[+3 7,d7 ensure t appropriate safegu>ds exi/ = protect+ ! insur$ depository in/itution or insur$ cr$it union f retaliation by any appropriate ,f$]al bank+ ag5cy = ex]cis+ ! rights ( ! insur$ depository in/itution or insur$ cr$it union "u ?is subsection4 4 7#b7 ,effect ,no?+ 9 ?is subsection %all be con/ru$ to affect ! au?ority ( an appropriate ,f$]al bank+ ag5cy 7z def9$ 9 section #c ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahac77 or ! ,national ,cr$it ,union ,adm9i/ration ,bo>d to take en=cem5t or o!r sup]visory action4 7d7 ,f$]al ,cr$it ,union ,act ,section #bje7;j7 ( ! ,f$]al ,cr$it ,union ,act 7#ab ,u4,s4,c4 #aghe7;j77 is am5d$ by ins]t+ ! ,bureau ( ,consum] ,f9ancial ,protection1 be=e ! ,adm9i/ration ea* place t t]m appe>s4 7e7 ,f$]al ,f9ancial ,in/itutions ,exam9ation ,c\ncil ,act ,section #ajje ( ! ,f$]al ,f9ancial ,in/itutions ,exam9ation ,c\ncil ,act ( #aigh 7#ab ,u4,s4,c4 #ccjd7 is am5d$ by /rik+ ,"o-fif? & ins]t+ ,"o-f\r?4 #ijf4 ,confid5tiality ( in=mation %>$ betwe5 ,/ate & ,f$]al f9ancial s]vices regulators ,section #aeab7;a7 ( ! ,s4,a4,f4,e4 ,mortgage ,lic5s+ ,act ( #bjjh 7#ab ,u4,s4,c4 #eaaa7;a77 is am5d$ by ins]t+ or f9ancial s]vices be=e indu/ry4 #ijg4 ,safe h>bor = c]ta9 loans held 9 portfolio 7a7 ,9 g5]al ,section #abi;,c ( ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afci;c7 is am5d$ by add+ at ! end ! foll[+3 7j7 ,safe h>bor = c]ta9 loans held 9 portfolio 7#a7 ,def9itions ,9 ?is section-- 7,a7 ! t]m appropriate ,f$]al bank+ ag5cy has ! mean+ giv5 t t]m 9 section #c ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahac72 7,b7 ! t]m depository in/itution has ! mean+ giv5 t t]m 9 section #ai7;b77#a7 ( ! ,f$]al ,res]ve ,act 7#ab ,u4,s4,c4 #dfa7;b77#a772 & 7,c7 ! t]m f9ancial in/itution regulator means an appropriate ,f$]al bank+ ag5cy1 ! ,bureau1 & ! ,national ,cr$it ,union ,adm9i/ration4 7#b7 ,safe h>bor = cr$itors 7,a7 ,9 g5]al ,a cr$itor %all n be subject to suit = failure to comply ) subsection 7a71 7c77#a71 or 7f77#b7 ( ?is section or section #abi;,h ) respect to a resid5tial mortgage loan1 & ! f9ancial in/itution regulators %all treat su* loan z a qualifi$ mortgage1 if-- 7i7 7,i7 ! cr$itor has1 s9ce ! orig9ation ( ! loan1 held ! loan on ! balance %eet ( ! cr$itor2 or 7,,ii7 any p]son acquir+ ! loan has cont9u$ to hold ! loan on ! balance %eet ( ! p]son2 7ii7 ! loan has n be5 acquir$ ?r\gh a securitization2 7iii7 all prepaym5t p5alties ) respect to ! loan comply ) ! limitations describ$ 9 subsection 7c77#c72 7iv7 ! loan does n h-- 7,i7 negative amortization2 7,,ii7 int]e/-only features2 or 7,,iii7 a loan t]m ( m ?an #cj ye>s2 & 7v7 ! cr$itor has docum5t$ ! consum]'s-- 7,i7 income2 7,,ii7 employm5t2 7,,iii7 assets2 & 7,,iv7 cr$it hi/ory4 7,b7 ,exception = c]ta9 transf]s ,9 ! case ( a depository in/itution t transf]s a loan orig9at$ by t in/itution to ano!r depository in/itution by reason ( ! bankruptcy or failure ( ! orig9at+ depository in/itution or ! pur*ase ( ! orig9at+ depository in/itution1 ! depository in/itution acquir+ ! loan %all be deem$ to h compli$ ) ! requirem5t "u subp>agraph 7,a77i74 4 7b7 ,review+ ! portfolio ( sy/emically important banks ,section #ah7o7 ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahbh7o77 is am5d$ by add+ at ! end ! foll[+3 7#e7 ,sy/emically important bank review ,! appropriate ,f$]al bank+ ag5cy %all p]iodically review ! mortgage portfolio or t>get$ segm5ts ( ! portfolios ( a bank subject to a det]m9ation "u section #aac;,a7a7 ( ! ,f9ancial ,/ability ,act ( #bjaj if-- 7,a7 !re is elevat$ risk2 7,b7 !re is an increase 9 del9qu5cy & loss rates2 7,c7 !re are new l9es ( bus9ess2 7,d7 !re are new acquisition *annels2 7,e7 !re is rapid gr[?2 or 7,f7 an int]nal audit is inadequate4 4 7c7 ,rule ( con/ruction ,no?+ 9 ! am5dm5t made by subsection 7a7 %all be con/ru$ to prev5t a balloon loan f qualify+ = ! safe h>bor provid$ "u section #abi;,c7j7 ( ! ,tru? 9 ,l5d+ ,act1 z add$ by subsection 7a71 if ! balloon loan o!rwise meets all ( ! requirem5ts "u subsection 7j7 ( t section1 reg>dless ( :e!r ! balloon loan meets ! requirem5ts describ$ "u clauses 7i7 ?r\gh 7iv7 ( section #abi;,c7b77#b77;,e7 ( t ,act 7#ab ,u4,s4,c4 #abi;,c7b77#b77;,e774 #ijh4 ,protect+ consum] access to mortgage cr$it 7a7 ,def9ition ( high-co/ mortgage ,section #ajc ( ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afjb7 is am5d$-- 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$2 & 7#b7 9 subsection 7aa77#d71 z s r$esignat$-- 7,a7 9 ! matt] prec$+ subp>agraph 7,a71 by /rik+ p>agraph 7#a77;,b7 & ins]t+ p>agraph 7#a77;,a7 & section #abi;,c2 7,b7 9 subp>agraph 7,c7-- 7i7 9 ! matt] prec$+ clause 7i71 by ins]t+ & insurance aft] taxes2 & 7ii7 9 clause 7iii71 by /rik+ 2 & & ins]t+ a semicolon2 & 7,c7 9 subp>agraph 7,d7-- 7i7 by /rik+ accid5t12 & 7ii7 by /rik+ or any paym5ts & ins]t+ & any paym5ts4 7b7 ,rulemak+ ,n lat] ?an #ij days aft] ! date ( enactm5t ( ?is title1 ! ,bureau ( ,consum] ,f9ancial ,protection %all promulgate regulations to c>ry out ! am5dm5ts made by subsection 7a77#b74 7c7 ,/udy & report on consum] access to mortgage cr$it 7#a7 ,/udy requir$ ,! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all conduct a /udy to det]m9e ! effects t ! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act 7#ab ,u4,s4,c4 #ecja et seq47 has _h on ! availability & af=dability ( cr$it = consum]s1 small bus9esses1 fir/-"t homebuy]s1 & mortgage l5d+1 includ+ ! effects-- 7,a7 on ! mortgage m>ket = mortgages t are n qualifi$ mortgages2 7,b7 on ! ability ( prospective homebuy]s to obta9 f9anc+1 includ+ fir/-"t homebuy]s2 7,c7 on ! ability ( home[n]s fac+ resets or adju/m5ts to ref9ance1 includ+ :e!r home[n]s h few] ref9anc+ options due to ! unavailability ( c]ta9 loan products t 7 available be=e ! date ( enactm5t ( ! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act 7#ab ,u4,s4,c4 #ecja et seq472 7,d7 on ! ability ( m9orities to access af=dable cr$it comp>$ ) o!r prospective borr[]s2 7,e7 on home sales & con/ruction2 7,f7 ( ext5d+ any "r ( rescission on adju/able rate loans & ! impact ( ! "r ( rescission on litigation2 7,g7 ( any ,/ate =eclosure law & ! ability ( inve/ors to transf] a prop]ty aft] =eclosure2 7,h7 ( exp&+ ! exi/+ provisions ( ! ,home ,own]%ip & ,equity ,protection ,act ( #aiid 7#ae ,u4,s4,c4 #afja note & #afjb note72 7,i7 ( prohibit+ prepaym5t p5alties on high-co/ mortgages2 7,j7 ( e/abli%+ c\nsel+ s]vices "u ! ,dep>tm5t ( ,h\s+ & ,urban ,developm5t & (f]$ ?r\gh ! ,(fice ( ,h\s+ ,c\nsel+2 & 7,k7 on ! diff]5ces 9 title insurance premiums & ancill>y *>ges paid by l[- & mod]ate-income consum]s to affiliates ( mortgage l5d]s to pur*ase title insurance v]sus title insurance premiums & ancill>y *>ges paid by l[- & mod]ate-income consum]s to unaffiliat$ title ag5cies or attorneys to pur*ase title insurance 9 ^? m>kets 9 :i* bo? affiliat$ & unaffiliat$ mortgage l5d]s compete4 7#b7 ,report ,n lat] ?an #a ye> aft] ! date ( enactm5t ( ?is title1 ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all submit to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives a report t includes-- 7,a7 ! f9d+s & conclusions ( ! ,comptroll] ,g5]al ) respect to ! /udy conduct$ "u p>agraph 7#a72 & 7,b7 any recomm5dations = legislative or regulatory actions t-- 7i7 w\ld enhance ! access ( a consum] to mortgage cr$it2 7ii7 is consi/5t ) consum] protections & safe & s\nd bank+ op]ations2 & 7iii7 w\ld address any negative effects on mortgage cr$it & mortgage availability id5tifi$ 9 ! /udy4 #iji4 ,protect+ access to manufactur$ homes 7a7 ,mortgage orig9ator def9ition ,section #ajc ( ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afjb7 is am5d$-- 7#a7 by r$esignat+ ! second subsection designat$ z subsection 7cc7 & subsection 7dd7 z subsections 7dd7 & 7ee71 respectively2 & 7#b7 9 subsection 7dd77#b77;,c71 z s r$esignat$1 by /rik+ an employee ( a retail] ( manufactur$ homes :o is n describ$ 9 clause 7i7 or 7iii7 ( subp>agraph 7,a7 & :o does n advise a consum] on loan t]ms 7includ+ rates1 fees1 & o!r co/s7 & ins]t+ a retail] ( manufactur$ or modul> homes or its employees1 unless su* retail] or its employees receive comp5sation or ga9 = engag+ 9 activities describ$ 9 subp>agraph 7,a7 t is 9 excess ( any comp5sation or ga9 receiv$ 9 a comp>able ca% transaction4 7b7 ,high-,co/ mortgage def9ition ,section #ajc7;aa77#a77;,a7 ( ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afjb7;aa77#a77;,a771 z r$esignat$ by section #ijh7;a77#a7 ( ?is title1 is am5d$-- 7#a7 9 clause 7i77,i71 by /rik+ 7#h4e p]c5tage po9ts1 if ! dwell+ is p]sonal prop]ty & ! transaction is = less ?an #ej1jjj7 & ins]t+ 7#aj p]c5tage po9ts1 if ! dwell+ is p]sonal prop]ty or is a transaction t does n include ! pur*ase ( real prop]ty on :i* a dwell+ is to be plac$1 & ! transaction is = less ?an #ge1jjj 7z su* am\nt is adju/$ by ! ,bureau to reflect ! *ange 9 ! ,consum] ,price ,index772 & 7#b7 9 clause 7ii7-- 7,a7 9 subclause 7,i71 by /rik+ 2 or & ins]t+ a semicolon2 & 7,b7 by add+ at ! end ! foll[+3 7,,iii7 9 ! case ( a transaction = less ?an #ge1jjj 7z su* am\nt is adju/$ by ! ,bureau to reflect ! *ange 9 ! ,consum] ,price ,index7 9 :i* ! dwell+ is p]sonal prop]ty 7or is a consum] cr$it transaction t does n include ! pur*ase ( real prop]ty on :i* a dwell+ is to be plac$71 ! great] ( #e p]c5t ( ! total transaction am\nt or #c1jjj 7z su* am\nt is adju/$ by ! ,bureau to reflect ! *ange 9 ! ,consum] ,price ,index72 or 4 #iaj4 ,/reaml9+ bank exams ,section #aj7;d7 ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahbj7;d77 is am5d$-- 7#a7 9 p>agraph 7#d77;,a71 by /rik+ #ejj1jjj1jjj & ins]t+ #a1jjj1jjj1jjj2 & 7#b7 9 p>agraph 7#aj71 by /rik+ #ejj1jjj1jjj & ins]t+ #a1jjj1jjj1jjj4 #iaa4 ,adju/m5ts = *anges 9 gross dome/ic product 7a7 ,commodity ,ex*ange ,act ,section #b7;h77#g77;,c77ii7 ( ! ,commodity ,ex*ange ,act 7#g ,u4,s4,c4 #b7;h77#g77;,c77ii77 is am5d$ by ins]t+ 7z su* am\nt is adju/$ annually by ! ,commission to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce7 aft] #aj1jjj1jjj1jjj ea* place t t]m appe>s4 7b7 ,consum] ,f9ancial ,protection ,bureau exam9ation & report+ ?re%old 7#a7 ,increase 9 ! exam9ation ?re%old ,section #ajbe7;a7 ( ! ,consum] ,f9ancial ,protection ,act ( #bjaj 7#ab ,u4,s4,c4 #eeae7;a77 is am5d$ by /rik+ #aj1jjj1jjj1jjj ea* place t t]m appe>s & ins]t+ #ej1jjj1jjj1jjj 7z su* am\nt is adju/$ annually by ! ,commission to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce74 7#b7 ,increase 9 ! report+ ?re%old ,section #ajbf7;a7 ( ! ,consum] ,f9ancial ,protection ,act ( #bjaj 7#ab ,u4,s4,c4 #eeaf7;a77 is am5d$ by /rik+ #aj1jjj1jjj1jjj ea* place t t]m appe>s & ins]t+ #ej1jjj1jjj1jjj 7z su* am\nt is adju/$ annually by ! ,commission to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce74 7#c7 ,effective date ,?is subsection & ! am5dm5ts made by ?is subsection %all take effect on ! date t is #de days aft] ! date ( enactm5t ( ?is title4 7c7 ,securities ,ex*ange ,act ( #aicd ,section #c;,c7g77#c77;,b7 ( ! ,securities ,ex*ange ,act ( #aicd 7#ae ,u4,s4,c4 #gh;c-#c7;g77#c77;,b77 is am5d$ by ins]t+ 7z su* am\nt is adju/$ annually by ! ,commission to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce7 aft] #aj1jjj1jjj1jjj ea* place t t]m appe>s4 7d7 ,electronic ,fund ,transf] ,act ,section #ibj7;a77#f77;,a7 ( ! ,electronic ,fund ,transf] ,act 7#ae ,u4,s4,c4 #afico-#b7;a77#f77;,a77 is am5d$ by ins]t+ 7z su* am\nt is adju/$ annually by ! ,bo>d to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce7 aft] #aj1jjj1jjj1jjj4 7e7 ,enhanc+ ,f9ancial ,in/itution ,safety & ,s\ndness ,act ( #bjaj ,section #ccd7;e7 ( ! ,enhanc+ ,f9ancial ,in/itution ,safety & ,s\ndness ,act ( #bjaj 7title ,,iii ( ,public ,law #aaa-bjc2 #abd ,/at4 #aeci7 is am5d$ by ins]t+ 7z su* am\nt is adju/$ annually by ! ,corporation to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce7 aft] #aj1jjj1jjj1jjj4 7f7 ,inve/or ,protection & ,securities ,re=m ,act ( #bjaj ,section #ief7;f7 ( ! ,inve/or ,protection & ,securities ,re=m ,act ( #bjaj 7#ae ,u4,s4,c4 #efda7;f77 is am5d$ by ins]t+ 7z su* am\nt is adju/$ annually by ! appropriate ,f$]al regulator to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce7 aft] #a1jjj1jjj1jjj4 #iab4 ,/udy on ! privacy risks ( gov]nm5t publication ( p]sonal f9ancial data ,section #cjd ( ! ,home ,mortgage ,disclosure ,act ( #aige 7#ab ,u4,s4,c4 #bhjc7 is am5d$-- 7#a7 9 subsection 7n71 by ins]t+ ,su* data %all n be publicly disclos$ by ! ,bureau or a depository in/itution be=e ! date on :i* ! report is submitt$ "u subsection 7o77#b74 aft] ! p]iod at ! end2 & 7#b7 by add+ at ! end ! foll[+3 7o7 ,/udy & report to ,congress 7#a7 ,/udy requir$ ,! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all conduct a /udy to det]m9e :e!r ! data publi%$ "u ?is ,act1 9 connection ) o!r publicly available data s\rces1 c\ld all[ = or increase ! probability (-- 7,a7 exposure ( ! id5tity ( mortgage applicants or mortgagors ?r\gh rev]se eng9e]+2 7,b7 exposure ( mortgage applicants or mortgagors to id5tity !ft or ! loss ( s5sitive p]sonal f9ancial in=mation2 7,c7 ! m>ket+ or sale ( unfair1 deceptive1 or abusive f9ancial products to mortgage applicants or mortgagors bas$ on ! data publi%$ "u ?is ,act2 7,d7 p]sonal f9ancial loss or emotional di/ress result+ f ! exposure ( mortgage applicants or mortgagors to id5tify !ft or ! loss ( s5sitive p]sonal f9ancial in=mation2 & 7,e7 ! pot5tial legal liability fac+ ! ,bureau & m>ket p>ticipants 9 ! ev5t ! publi%$ data leads or contributes to id5tity !ft or ! capture ( s5sitive p]sonal f9ancial in=mation4 7#b7 ,report ,n lat] ?an #a ye> aft] ! date ( enactm5t ( ?is subsection1 ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all submit to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives a report t includes-- 7,a7 ! f9d+s & conclusions ( ! ,comptroll] ,g5]al ) respect to ! /udy conduct$ "u p>agraph 7#a72 & 7,b7 any recomm5dations = legislative or regulatory actions t-- 7i7 w\ld enhance ! privacy ( a consum] :5 access+ mortgage cr$it2 & 7ii7 are consi/5t ) consum] protections & safe & s\nd bank+ op]ations4 4 #iac4 ,ensur+ ! report+ ( appraisal misconduct ,section #abi;,e ( ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afci;e7 is am5d$-- 7#a7 9 subsection 7e7-- 7,a7 by /rik+ ,any mortgage l5d] & ins]t+ ! foll[+3 7#a7 ,9 g5]al ,any mortgage l5d] 2 & 7,b7 by add+ at ! end ! foll[+3 7#b7 ,limitation on civil liability ,no p]son may be held civilly liable "u any provision ( ,f$]al1 ,/ate1 or o!r law = a disclosure made 9 good fai? pursuant to ?is section4 2 & 7#b7 9 subsection 7k71 by add+ at ! end ! foll[+3 7#d7 ,applicability ,?is subsection %all n apply to subsection 7e74 4 #iad4 ,mutual hold+ company divid5d waiv]s ,not)/&+ ! rule ( ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em reg>d+ ,mutual ,hold+ ,company ,divid5d ,waiv]s 9 section #bci4fc ( title #ab1 ,code ( ,f$]al ,regulations 7or any successor !reto71 gr&fa!r$ mutual hold+ companies & all o!r mutual hold+ companies %all be p]mitt$ to waive ! receipt ( divid5ds decl>$ on ! common /ock ( _! bank or mid-size hold+ companies4 #iae4 ,safegu>d+ access to habitat = humanity homes ,section #abi;,e7i77#b7 ( ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afci;e7i77#b77 is am5d$-- 7#a7 by r$esignat+ subp>agraphs 7,a7 & 7,b7 z clauses 7i7 & 7ii71 respectively1 & adju/+ ! m>g9s accord+ly2 7#b7 9 ! matt] prec$+ clause 7i71 z s r$esignat$1 by /rik+ ,= purposes ( & ins]t+ ! foll[+3 7,a7 ,9 g5]al ,= purposes ( 2 & 7#c7 by add+ at ! end ! foll[+3 7,b7 ,rule ( con/ruction relat$ to appraisal donations ,9 ! case ( an appraisal = :i* ! apprais] volunt>ily does n receive a fee1 ! apprais] is n1 & %all n be con/ru$ to be1 ) respect to ! donat$ appraisal1 a fee apprais] = purposes ( ?is section4 4 #iaf4 ,cl>ify+ ! applicability ( section #ac7;h77#a7 ( ! ,bank ,hold+ ,company ,act ( #aief 7a7 ,9 g5]al ,section #ac7;h77#a7 ( ! ,bank ,hold+ ,company ,act ( #aief 7#ab ,u4,s4,c4 #ahea7;h77#a77 is am5d$-- 7#a7 9 subp>agraph 7,d71 by r$esignat+ clauses 7i7 & 7ii7 z subclauses 7,i7 & 7,,ii71 respectively1 & adju/+ ! m>g9s accord+ly2 7#b7 by r$esignat+ subp>agraphs 7,a71 7,b71 7,c71 & 7,d7 z clauses 7i71 7ii71 7iii71 & 7iv71 respectively1 & adju/+ ! m>g9s accord+ly2 7#c7 by /rik+ in/itution t functions solely 9 a tru/ or fiduci>y capacity1 if--& ins]t+ ! foll[+3 8in/itution-- 7,a7 t functions solely 9 a tru/ or fiduci>y capacity1 if-- 2 & 7#d7 by /rik+ ! p]iod at ! end & ins]t+ ! foll[+3 82 or 7,b7 ) total consolidat$ assets ( #aj1jjj1jjj1jjj or less if su* in/itution is n controll$ by a company ) total consolidat$ assets ( m ?an #aj1jjj1jjj1jjj 7z su* am\nts are adju/$ annually by ! ,bo>d to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce74 4 7b7 ,res]vation ( au?ority ,section #ac ( ! ,bank ,hold+ ,company ,act ( #aief 7#ab ,u4,s4,c4 #ahea7 is am5d$ by add+ at ! end ! foll[+3 7i7 ,res]vation ( au?ority = c]ta9 insur$ depository in/itutions 7#a7 ,9 g5]al ,not)/&+ subsection 7h77#a77;,b71 ! appropriate ,f$]al bank+ ag5cy = an insur$ depository in/itution ) total consolidat$ assets ( #aj1jjj1jjj1jjj or less may apply ! prohibitions & re/rictions ( ?is section to ! activities ( ! insur$ depository in/itution t1 b = subsection 7h77#a77;,b71 w\ld be subject to ! prohibitions & re/rictions ( ?is section if ! appropriate ,f$]al bank+ ag5cy det]m9es t ^? activities-- 7,a7 are inconsi/5t ) traditional bank+ activities2 or 7,b7 due to _! nature or volume1 pose a risk to ! safety & s\ndness ( ! insur$ depository in/itution4 7#b7 ,notice & response ,ea* ( ! appropriate ,f$]al bank+ ag5cies %all e/abli% a proc$ure = provid+ notice to an insur$ depository in/itution ( a det]m9ation "u p>agraph 7#a7 & an opportunity = response4 4 #iag4 ,/udy ( mortgage s]vic+ assets 7a7 ,def9itions ,9 ?is section3 7#a7 ,bank+ in/itution ,! t]m bank+ in/itution means an insur$ depository in/itution1 ,f$]al cr$it union1 ,/ate cr$it union1 bank hold+ company1 or sav+s & loan hold+ company4 7#b7 ,basel ,,iii capital requirem5ts ,! t]m ,basel ,,iii capital requirem5ts means ! ,global ,regulatory ,framework = ,m ,resili5t ,banks & ,bank+ ,sy/ems issu$ by ! ,basel ,committee on ,bank+ ,sup]vision on ,decemb] #af1 #bjaj1 z revis$ on ,june #a1 #bjaa4 7#c7 ,f$]al bank+ ag5cies ,! t]m ,f$]al bank+ ag5cies means ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 ! ,(fice ( ! ,comptroll] ( ! ,curr5cy1 ! ,f$]al ,deposit ,insurance ,corporation1 & ! ,national ,cr$it ,union ,adm9i/ration4 7#d7 ,mortgage s]vic+ assets ,! t]m mortgage s]vic+ assets means ^? assets t result f contracts to s]vice loans secur$ by real e/ate1 :]e su* loans are own$ by ?ird p>ties4 7#e7 ,,ncua capital requirem5ts ,! t]m ,,ncua capital requirem5ts means ! propos$ rule ( ! ,national ,cr$it ,union ,adm9i/ration entitl$ ,risk-,bas$ ,capital 7#hj ,f$4 ,reg4 #dcdj 7,janu>y #bg1 #bjae774 7#f7 ,o!r def9itions 7,a7 ,bank+ def9itions ,! t]ms bank hold+ company1 insur$ depository in/itution1 & sav+s & loan hold+ company h ! mean+s giv5 ^? t]ms 9 section #c ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahac74 7,b7 ,cr$it union def9itions ,! t]ms ,f$]al cr$it union & ,/ate cr$it union h ! mean+s giv5 ^? t]ms 9 section #aja ( ! ,f$]al ,cr$it ,union ,act 7#ab ,u4,s4,c4 #ageb74 7b7 ,/udy ( ! appropriate capital = mortgage s]vic+ assets 7#a7 ,9 g5]al ,! ,f$]al bank+ ag5cies %all jo9tly conduct a /udy ( ! appropriate capital requirem5ts = mortgage s]vic+ assets = bank+ in/itutions4 7#b7 ,issues to be /udi$ ,! /udy requir$ "u p>agraph 7#a7 %all include1 ) a specific focus on bank+ in/itutions-- 7,a7 ! risk to bank+ in/itutions ( hold+ mortgage s]vic+ assets2 7,b7 ! hi/ory ( ! m>ket = mortgage s]vic+ assets1 includ+ 9 p>ticul> ! m>ket = ^? assets 9 ! p]iod ( ! f9ancial crisis2 7,c7 ! ability ( bank+ in/itutions to e/abli% a value = mortgage s]vic+ assets ( ! in/itution ?r\gh p]iodic sales or o!r means2 7,d7 regulatory approa*es to mortgage s]vic+ assets & capital requirem5ts t may be us$ to address conc]ns ab\t ! value ( & ability to sell mortgage s]vic+ assets2 7,e7 ! impact ( impos+ ! ,basel ,,iii capital requirem5ts & ! ,,ncua capital requirem5ts on bank+ in/itutions on ! ability ( ^? in/itutions-- 7i7 to compete 9 ! mortgage s]vic+ bus9ess1 includ+ ! ne$ = economies ( scale to compete 9 t bus9ess2 & 7ii7 to provide s]vice to consum]s to :om ! in/itutions h made mortgage loans2 7,f7 an analysis ( :at ! mortgage s]vic+ m>ketplace w\ld look l if ! ,basel ,,iii capital requirem5ts & ! ,,ncua capital requirem5ts on mortgage s]vic+ assets-- 7i7 7 fully implem5t$2 & 7ii7 appli$ to bo? bank+ in/itutions & nondepository resid5tial mortgage loan s]vic]s2 7,g7 ! significance ( problems ) mortgage s]vic+ assets1 if any1 9 bank+ in/itution failures & problem bank+ in/itutions1 includ+ specifically id5tify+ fail$ bank+ in/itutions :]e mortgage s]vic+ assets contribut$ to ! failure2 & 7,h7 an analysis ( ! relevance ( ! ,basel ,,iii capital requirem5ts & ! ,,ncua capital requirem5ts on mortgage s]vic+ assets to ! bank+ sy/ems ( o!r significantly develop$ c\ntries4 7#c7 ,report to congress ,n lat] ?an #ahj days aft] ! date ( enactm5t ( ?is title1 ! ,f$]al bank+ ag5cies %all submit to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives a report conta9+-- 7,a7 ! results ( ! /udy requir$ "u p>agraph 7#a72 7,b7 any analysis on ! specific issue ( mortgage s]vic+ assets und]tak5 by ! ,f$]al bank+ ag5cies be=e f9aliz+ regulations implem5t+ ! ,basel ,,iii capital requirem5ts & ! ,,ncua capital requirem5ts2 & 7,c7 any recomm5dations = legislative or regulatory actions t w\ld address conc]ns ab\t ! value ( & ability to sell & ! ability ( bank+ in/itutions to hold mortgage s]vic+ assets4 #iah4 ,no wait = l[] mortgage rates 7a7 ,9 g5]al ,section #abi7;b7 ( ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afci7;b77 is am5d$-- 7#a7 by r$esignat+ p>agraph 7#c7 z p>agraph 7#d72 & 7#b7 by ins]t+ aft] p>agraph 7#b7 ! foll[+3 7#c7 ,no wait = l[] rate ,if a cr$itor ext5ds to a consum] a second (f] ( cr$it ) a l[] annual p]c5tage rate1 ! transaction may be consummat$ )\t reg>d to ! p]iod specifi$ 9 p>agraph 7#a74 4 7b7 ,safe h>bor = good fai? compliance ) ,,tila-,,respa integrat$ disclosure rule ,section #ajcb7;f7 ( ! ,consum] ,f9ancial ,protection ,act ( #bjaj 7#ab ,u4,s4,c4 #eecb7;f77 is am5d$-- 7#a7 by /rik+ ,n lat] ?an & ins]t+ ! foll[+3 7#a7 ,9 g5]al ,n lat] ?an 2 & 7#b7 by add+ at ! end ! foll[+3 7#b7 ,safe h>bor = good fai? compliance 7,a7 ,safe h>bor ,not)/&+ any o!r provision ( law1 dur+ ! p]iod describ$ 9 subp>agraph 7,b71 an entity t provides ! disclosures requir$ "u ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afja et seq47 & sections #d & #e ( ! ,real ,e/ate ,settlem5t ,proc$ures ,act ( #aigd 7#ab ,u4,s4,c4 #bfjc & #bfjd71 z 9 effect on ,july #ca1 #bjae1 %all n be subject to any civil1 crim9al1 or adm9i/rative action or p5alty = failure to fully comply ) any requirem5t "u ?is subsection4 7,b7 ,applicable p]iod ,subp>agraph 7,a7 %all apply to an entity dur+ ! p]iod beg9n+ on ! date ( enactm5t ( ?is p>agraph & end+ on ! date t is #cj days aft] ! date on :i* a c]tification by ! ,director t ! model disclosures requir$ "u p>agraph 7#a7 are accurate & 9 compliance ) all ,/ate laws is publi%$ 9 ! ,f$]al ,regi/]4 4 #iai4 ,elim9at+ b>ri]s to jobs = loan orig9ators 7a7 ,9 g5]al ,! ,s4,a4,f4,e4 ,mortgage ,lic5s+ ,act ( #bjjh 7#ab ,u4,s4,c4 #eaja et seq47 is am5d$ by add+ at ! end ! foll[+3 #aeah4 ,employm5t transition 7a7 ,tempor>y lic5se = p]sons mov+ f a f9ancial in/itution to a non-bank orig9ator ,a regi/]$ loan orig9ator %all be deem$ to be a ,/ate-lic5s$ loan orig9ator = ! #abj-;day p]iod beg9n+ on ! date on :i* a ,/ate-lic5s$ mortgage l5d]1 mortgage bank]1 or mortgage s]vic] t is n a depository in/itution regi/]s ) ! ,nationwide ,mortgage ,lic5s+ ,sy/em & ,regi/ry t ! regi/]$ loan orig9ator is employ$ by ! ,/ate-lic5s$ mortgage l5d]1 mortgage bank]1 or mortgage s]vic]1 z applicable4 7b7 ,tempor>y lic5se = p]sons mov+ int]/ate ,a regi/]$ loan orig9ator or ,/ate-lic5s$ loan orig9ator 9 #a ,/ate %all be deem$ to be a ,/ate-lic5s$ loan orig9ator 9 ano!r ,/ate = ! #abj-;day p]iod beg9n+ on ! date on :i* a ,/ate-lic5s$ mortgage l5d]1 mortgage bank]1 or mortgage s]vic] 9 t ,/ate regi/]s ) ! ,nationwide ,mortgage ,lic5s+ ,sy/em & ,regi/ry t ! regi/]$ loan orig9ator or ,/ate-lic5s$ loan orig9ator is employ$ by ! ,/ate-lic5s$ mortgage l5d]1 mortgage bank]1 or mortgage s]vic]1 z applicable4 7c7 ,f$]al & ,/ate recognition ,! regi/ration provid$ "u subsections 7a7 & 7b7 %all fulfill any lic5s+ or regi/ration requirem5t = a loan orig9ator "u section #aejd & any ,/ate law or regulation4 4 7b7 ,te*nical & con=m+ am5dm5t ,! table ( cont5ts = ! ,h\s+ & ,economic ,recov]y ,act ( #bjjh 7,public ,law #aaj-bhi2 #abb ,/at4 #bfed7 is am5d$ by ins]t+ aft] ! item relat+ to section #aeag ! foll[+3 ,sec4 #aeah4 ,employm5t transition4 4 #ibj4 ,%ort =m call reports ,section #g7;a7 ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahag7;a77 is am5d$ by add+ at ! end ! foll[+3 7#ab7 ,%ort =m report+ 7,a7 ,review ( reports ( condition ,! appropriate ,f$]al bank+ ag5cies %all jo9tly review ! in=mation & s*$ules t are requir$ to be fil$ by an insur$ depository in/itution 9 a report ( condition requir$ "u p>agraph 7#c74 ,z "p ( ?is review1 ! appropriate ,f$]al bank+ ag5cies %all jo9tly-- 7i7 e/abli% guid+ pr9ciples = det]m9+ ! appropriat5ess ( in=mation & s*$ules collect$ 9 a report ( condition2 & 7ii7 consi/5t ) ! pr9ciples e/abli%$ "u clause 7i71 consid] & docum5t ! ne$ = ea* data item collect$1 ! frequ5cy ) :i* ea* data item w be collect$1 & ! population ( insur$ depository in/itutions f :i* ea* data item is requir$4 7,b7 ,developm5t ( %ort =m reports ( condition ,aft] complet+ ! review requir$ "u subp>agraph 7,a71 ! appropriate ,f$]al bank+ ag5cies %all jo9tly develop1 to ! ext5t appropriate1 #a or m report ( condition =ms t r$uce or elim9ate in=mation or s*$ules requir$ to be fil$ by an insur$ depository in/itution 9 a report ( condition requir$ "u p>agraph 7#c74 ,su* =m or =ms %all1 z det]m9$ by ! appropriate ,f$]al bank+ ag5cies1 be appropriate = ! size & complexity ( ! insur$ depository in/itution4 7,c7 ,reports to ,congress ,n lat] ?an #ahj days aft] ! date ( enactm5t ( ?is p>agraph1 & e #ahj days !reaft] until ! appropriate ,f$]al bank+ ag5cies h jo9tly complet$ ! requirem5ts "u subp>agraphs 7,a7 & 7,b71 ! appropriate ,f$]al bank+ ag5cies %all submit to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives a report describ+ ! progress made conc]n+ ! completion ( su* responsibilities4 4 #iba4 ,application ( ! ,exp$it$ ,funds ,availability ,act 7a7 ,9 g5]al ,! ,exp$it$ ,funds ,availability ,act 7#ab ,u4,s4,c4 #djja et seq47 is am5d$-- 7#a7 9 section #fjb 7#ab ,u4,s4,c4 #djja7-- 7,a7 9 p>agraph 7#bj71 by ins]t+ 1 locat$ 9 ! ,unit$ ,/ates1 aft] ,,atm2 7,b7 9 p>agraph 7#ba71 by ins]t+ ,am]ican ,samoa1 ! ,commonweal? ( ! ,nor!rn ,m>iana ,isl&s1 aft] ,pu]to ,rico12 & 7,c7 9 p>agraph 7#bc71 by ins]t+ ,am]ican ,samoa1 ! ,commonweal? ( ! ,nor!rn ,m>iana ,isl&s1 aft] ,pu]to ,rico12 & 7#b7 9 section #fjc7;d77#b77;,a7 7#ab ,u4,s4,c4 #djjb7;d77#b77;,a771 by ins]t+ ,am]ican ,samoa1 ! ,commonweal? ( ! ,nor!rn ,m>iana ,isl&s1 aft] ,pu]to ,rico14 7b7 ,effective date ,! am5dm5ts made by subsection 7a7 %all take effect on ,janu>y #a1 #bjaf4 #ibb4 ,application ( ! ,f$]al ,advisory ,committee ,act ,section #ajac ( ! ,consum] ,f9ancial ,protection ,act ( #bjaj 7#ab ,u4,s4,c4 #edic7 is am5d$ by add+ at ! end ! foll[+3 7h7 ,application ( ,,faca ,not)/&+ any provision ( ! ,f$]al ,advisory ,committee ,act 7#e ,u4,s4,c4 ,app471 su* ,act %all apply to ea* advisory committee ( ! ,bureau & ea* subcommittee ( su* an advisory committee4 4 #ibc4 ,budget transp>5cy = ! ,,ncua ,section #bji7;b7 ( ! ,f$]al ,cr$it ,union ,act 7#ab ,u4,s4,c4 #aghi7 is am5d$-- 7#a7 by r$esignat+ p>agraphs 7#a7 & 7#b7 z p>agraphs 7#b7 & 7#c71 respectively2 7#b7 by ins]t+ be=e p>agraph 7#b71 z s r$esignat$1 ! foll[+3 7#a7 on an annual basis & prior to ! submission ( ! detail$ bus9ess-type budget requir$ "u p>agraph 7#b7-- 7,a7 make publicly available & cause to be pr9t$ 9 ! ,f$]al ,regi/] a draft ( ! detail$ bus9ess-type budget2 & 7,b7 hold a public he>+1 ) public notice provid$ ( ! he>+1 :]e9 ! public may submit comm5ts on ! draft ( ! detail$ bus9ess-type budget2 2 & 7#c7 9 p>agraph 7#b71 z s r$esignat$-- 7,a7 by ins]t+ detail$ aft] submit a2 & 7,b7 by ins]t+ 1 :i* %all address any comm5t submitt$ by ! public "u p>agraph 7#a77;,b7 aft] ,control ,act4 #ibd4 ,date = det]m9+ consolidat$ assets ,section #aga7;b77#d77;,c7 ( ! ,f9ancial ,/ability ,act ( #bjaj 7#ab ,u4,s4,c4 #ecga7;b77#d77;,c77 is am5d$ by ins]t+ or ,m>* #ca1 #bjaj1 aft] ,decemb] #ca1 #bjji14 #ibe4 ,,fhlb memb]%ip 7a7 ,,fhlb memb]%ip propos$ rule 7#a7 ,def9itions ,9 ?is subsection3 7,a7 ,community developm5t f9ancial in/itution ,! t]m community developm5t f9ancial in/itution has ! mean+ giv5 t t]m 9 section #ajc ( ! ,community ,developm5t ,bank+ & ,f9ancial ,in/itutions ,act ( #aiid 7#ab ,u4,s4,c4 #dgjb74 7,b7 ,cov]$ propos$ rule ,! t]m cov]$ propos$ rule means ! propos$ rule ( ! ,f$]al ,h\s+ ,f9ance ,ag5cy entitl$ ,memb]s ( ,f$]al ,home ,loan ,banks 7#gi ,f$4 ,reg4 #edhdh 7,septemb] #ab1 #bjad774 7,c7 ,o!r t]ms f ! ,f$]al ,home ,loan ,bank ,act ,! t]ms community f9ancial in/itution1 ,f$]al ,home ,loan ,bank1 & ,f$]al ,home ,loan ,bank ,sy/em h ! mean+s giv5 ^? t]ms 9 section #b ( ! ,f$]al ,home ,loan ,bank ,act 7#ab ,u4,s4,c4 #adbb74 7#b7 ,)drawal ( propos$ rule ,n lat] ?an #cj days aft] ! date ( enactm5t ( ?is title1 ! ,f$]al ,h\s+ ,f9ance ,ag5cy %all )draw ! cov]$ propos$ rule4 7#c7 ,,gao /udy & report on propos$ rule 7,a7 ,/udy 7i7 ,9 g5]al ,! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all conduct a /udy on ! impact t ! cov]$ propos$ rule w\ld h1 if adopt$ z propos$1 on-- 7,i7 ! ability ( ! ,f$]al ,home ,loan ,banks to fulfill ! m&ate to provide liquidity to support h\s+ f9ance & economic & community developm5t2 7,,ii7 ! safety & s\ndness ( ! ,f$]al ,home ,loan ,bank ,sy/em2 7,,iii7 ! liquidity ne$s ( f9ancial int]m$i>ies2 7,,iv7 ! /ability ( ! ,f$]al ,home ,loan ,bank ,sy/em2 7,v7 ! b5efits ( a div]se memb]%ip base = ,f$]al ,home ,loan ,banks2 & 7,,vi7 ! ability ( memb] in/itutions to rely on access to ,f$]al ,home ,loan ,bank advances4 7ii7 ,consid]ations ,9 conduct+ ! /udy "u clause 7i71 ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all consid]-- 7,i7 ! comm5t lett]s submitt$ 9 response to ! notice ( propos$ rulemak+ = ! cov]$ propos$ rule2 7,,ii7 ! legislative & adm9i/rative hi/ory ( ! ,f$]al ,home ,loan ,bank memb]%ip rules2 7,,iii7 ! burd5 plac$ on community f9ancial in/itutions & community developm5t f9ancial in/itutions2 & 7,,iv7 ! legal au?ority ( ! ,f$]al ,h\s+ ,f9ance ,ag5cy to exclude f memb]%ip any class or category ( insurance companies4 7,b7 ,report ,n lat] ?an #a ye> aft] ! date ( enactm5t ( ?is title1 ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all submit to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives a report on ! f9d+s ( ! /udy conduct$ "u subp>agraph 7,a77i74 7b7 ,cr$it union p>ity = ,,fhlb memb]%ip eligibility ,section #b7aj77;,a77i7 ( ! ,f$]al ,home ,loan ,bank ,act 7#ab ,u4,s4,c4 #adbb7aj77;,a77i77 is am5d$ to read z foll[s3 7i7 ! deposits ( :i*-- 7,i7 are insur$ "u ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahaa et seq472 or 7,,ii7 are insur$ "u or eligible to be insur$ "u ! ,f$]al ,cr$it ,union ,act 7#ab ,u4,s4,c4 #agea et seq472 & 4 #ibf4 ,ensur+ a compreh5sive regulatory review ,section #bbbb ( ! ,economic ,gr[? & ,regulatory ,pap]work ,r$uction ,act ( #aiif 7#ab ,u4,s4,c4 #ccaa7 is am5d$-- 7#a7 9 subsection 7a7-- 7,a7 by /rik+ ea* appropriate ,f$]al bank+ ag5cy repres5t$ on ! ,c\ncil & ins]t+ ea* ( ! ,(fice ( ! ,comptroll] ( ! ,curr5cy1 ! ,f$]al ,deposit ,insurance ,corporation1 ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 ! ,bureau ( ,consum] ,f9ancial ,protection1 & ! ,national ,cr$it ,union ,adm9i/ration ,bo>d z ! ,f$]al ag5cy repres5tatives on ! ,c\ncil2 7,b7 by ins]t+ 1 jo9t or o!rwise1 & includ+ all regulations issu$ pursuant to any au?ority provid$ "u ! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act 7,public ,law #aaa-bjc2 #abd ,/at4 #acgf71 aft] prescrib$ by ! ,c\ncil2 7,c7 by /rik+ any su* appropriate ,f$]al bank+ ag5cy & ins]t+ any su* ,f$]al ag5cy2 & 7,d7 by /rik+ insur$ depository in/itutions & ins]t+ f9ancial in/itutions2 7#b7 9 subsections 7b71 7c71 & 7d71 by /rik+ ! appropriate ,f$]al bank+ ag5cy ea* place t t]m appe>s & ins]t+ ! appropriate ,f$]al ag5cy2 & 7#c7 9 subsection 7e7-- 7,a7 9 p>agraph 7#a71 by /rik+ ! appropriate ,f$]al bank+ ag5cies & ins]t+ ! appropriate ,f$]al ag5cies2 & 7,b7 9 p>agraph 7#b71 by /rik+ ! appropriate ,f$]al bank+ ag5cy & ins]t+ ! appropriate ,f$]al ag5cy4 #ibg4 ,prohibition on implem5tation or p>ticipation 9 ,op]ation ,*oke ,po9t ,! ,f$]al ,deposit ,insurance ,corporation1 ! ,(fice ( ! ,comptroll] ( ! ,curr5cy1 ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 ! ,bureau ( ,consum] ,f9ancial ,protection1 or ! ,national ,cr$it ,union ,adm9i/ration may n implem5t or p>ticipate 9 ! ,op]ation ,*oke ,po9t initiative ( ! ,dep>tm5t ( ,ju/ice4 #ibh4 ,exemptive au?ority 7a7 ,exemptive au?ority = ! ,f$]al ,deposit ,insurance ,corporation ,section #aj ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahbj7 is am5d$ by add+ at ! end ! foll[+3 7l7 ,exemptive au?ority 7#a7 ,9 g5]al ,not)/&+ any o!r provision ( law1 ! ,corporation1 aft] consid]+ ! factors 9 p>agraph 7#c71 may exempt by rule any depository in/itution hav+ less ?an #aj1jjj1jjj1jjj 9 total assets f-- 7,a7 any provision ( ?is ,act2 7,b7 any rule promulgat$ "u ?is ,act2 or 7,c7 any rule promulgat$ "u any o!r ,act conf]r+ au?ority to ! ,corporation4 7#b7 ,conditions ,! ,corporation may impose conditions on an exemption grant$ "u p>agraph 7#a74 7#c7 ,factors to consid] ,9 issu+ an exemption "u p>agraph 7#a71 ! ,corporation %all consid]1 z appropriate1 ! ext5t to :i*-- 7,a7 ! provision or rule w\ld impose an unnecess>y or undue burd5 or co/ on ! depository in/itution2 7,b7 ! provision or rule is unnecess>y or unw>rant$ 9 ord] to promote ! safety & s\ndness ( ! depository in/itution2 & 7,c7 ! exemption is necess>y1 appropriate1 or consi/5t ) ! public int]e/4 7#d7 ,adju/m5t = *anges 9 gross dome/ic product ,! asset ?re%old id5tifi$ 9 p>agraph 7#a7 %all be adju/$ annually by ! ,corporation to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce4 4 7b7 ,exemptive au?ority = ! ,(fice ( ! ,comptroll] ( ! ,curr5cy 7#a7 ,exemptive au?ority = national banks ,section #ebci;,a ( ! ,revis$ ,/atutes is am5d$-- 7,a7 by /rik+ ,except & ins]t+ ! foll[+3 7a7 ,9 g5]al ,except 42 & 7,b7 by add+ at ! end ! foll[+3 7b7 ,exemptive au?ority 7#a7 ,def9ition ,9 ?is subsection1 ! t]m insur$ depository in/itution has ! mean+ giv5 ! t]m 9 section #c ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahac74 7#b7 ,exemption ,not)/&+ any o!r provision ( law1 ! ,comptroll] ( ! ,curr5cy1 aft] consid]+ ! factors 9 p>agraph 7#d71 may exempt by rule any national bank hav+ less ?an #aj1jjj1jjj1jjj 9 total assets f-- 7,a7 any provision ( ?is title2 7,b7 any rule promulgat$ "u ?is title2 or 7,c7 any rule promulgat$ "u any o!r title or ,act t conf]s au?ority to ! ,comptroll]4 7#c7 ,conditions ,! ,comptroll] may impose conditions on an exemption grant$ "u p>agraph 7#b74 7#d7 ,factors to consid] ,9 issu+ an exemption "u p>agraph 7#b71 ! ,comptroll] %all consid]1 z appropriate1 ! ext5t to :i*-- 7,a7 ! provision or rule w\ld impose an unnecess>y or undue burd5 or co/ on ! national bank2 7,b7 ! provision or rule is unnecess>y or unw>rant$ to promote ! safety & s\ndness ( ! national bank2 & 7,c7 ! exemption is necess>y1 appropriate1 or consi/5t ) ! public int]e/4 7#e7 ,adju/m5t = *anges 9 gross dome/ic product ,! asset ?re%old id5tifi$ 9 p>agraph 7#b7 %all be adju/$ annually by ! ,comptroll] to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce4 4 7#b7 ,exemptive au?ority = sav+s associations ,section #d7;a7 ( ! ,home ,own]s' ,loan ,act 7#ab ,u4,s4,c4 #adfc7 is am5d$ by add+ at ! end ! foll[+3 7#d7 ,exemptive ,au?ority 7,a7 ,def9ition ,9 ?is p>agraph1 ! t]m insur$ depository in/itution has ! mean+ giv5 ! t]m 9 section #c ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahac74 7,b7 ,exemption ,not)/&+ any o!r provision ( law1 ! ,comptroll] ( ! ,curr5cy1 aft] consid]+ ! factors 9 subp>agraph 7,d71 may exempt by rule any sav+s association hav+ less ?an #aj1jjj1jjj1jjj 9 total assets f-- 7i7 any provision ( ?is title2 7ii7 any rule promulgat$ "u ?is title2 or 7iii7 any rule promulgat$ "u any o!r title or act conf]r+ au?ority on ! ,comptroll]4 7,c7 ,conditions ,! ,comptroll] may impose conditions on an exemption grant$ "u subp>agraph 7,b74 7,d7 ,factors to consid] ,9 issu+ an exemption "u subp>agraph 7,b71 ! ,comptroll] %all consid]1 z appropriate1 ! ext5t to :i*-- 7i7 ! provision or rule w\ld impose an unnecess>y or undue burd5 or co/ on ! sav+s association2 7ii7 ! provision or rule is unnecess>y or unw>rant$ to promote ! safety & s\ndness ( ! sav+s association2 & 7iii7 ! exemption is necess>y1 appropriate1 or consi/5t ) ! public int]e/4 7,e7 ,adju/m5t = *anges 9 gross dome/ic product ,! asset ?re%old id5tifi$ 9 subp>agraph 7,b7 %all be adju/$ annually by ! ,comptroll] to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce4 4 7c7 ,exemptive au?ority = ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em 7#a7 ,exemptive au?ority = /ate memb] banks ,section #aa ( ! ,f$]al ,res]ve ,act 7#ab ,u4,s4,c4 #bdh7 is am5d$ by add+ at ! end ! foll[+3 7t7 ,exemptive au?ority 7#a7 ,def9ition ,9 ?is section1 ! t]m insur$ depository in/itution has ! mean+ giv5 ! t]m 9 section #c ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahac74 7#b7 ,exemption ,not)/&+ any o!r provision ( law1 ! ,bo>d1 aft] consid]+ ! factors 9 p>agraph 7#d71 may exempt by rule any /ate memb] bank hav+ less ?an #aj1jjj1jjj1jjj 9 total assets f-- 7,a7 any provision ( ?is ,act2 7,b7 any rule promulgat$ "u ?is ,act2 or 7,c7 any rule promulgat$ "u any o!r act conf]r+ au?ority on ! ,bo>d4 7#c7 ,conditions ,! ,bo>d may impose conditions on an exemption grant$ "u p>agraph 7#b74 7#d7 ,factors to consid] ,9 issu+ an exemption "u p>agraph 7#b71 ! ,bo>d %all consid]1 z appropriate1 ! ext5t to :i*-- 7,a7 ! provision or rule w\ld impose an unnecess>y or undue burd5 or co/ on ! /ate memb] bank2 7,b7 ! provision or rule is unnecess>y or unw>rant$ to promote ! safety & s\ndness ( ! /ate memb] bank2 & 7,c7 ! exemption is necess>y1 appropriate1 or consi/5t ) ! public int]e/4 7#e7 ,adju/m5t = *anges 9 gross dome/ic product ,! asset ?re%old id5tifi$ 9 p>agraph 7#b7 %all be adju/$ annually by ! ,bo>d to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce4 4 7#b7 ,exemptive au?ority = bank hold+ companies ,! ,bank ,hold+ ,company ,act ( #aief 7#ab ,u4,s4,c4 #ahda et seq47 is am5d$ by add+ at ! end ! foll[+3 #ae4 ,exemptive ,au?ority 7a7 ,def9ition ,9 ?is section1 ! t]m insur$ depository in/itution has ! mean+ giv5 ! t]m 9 section #c ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahac74 7b7 ,exemption ,not)/&+ any o!r provision ( law1 ! ,bo>d1 aft] consid]+ ! factors 9 subsection 7d71 may exempt by rule any bank hold+ company hav+ less ?an #aj1jjj1jjj1jjj 9 total assets f-- 7#a7 any provision ( ?is ,act2 7#b7 any rule promulgat$ "u ?is ,act2 or 7#c7 any rule promulgat$ "u any o!r act conf]r+ au?ority on ! ,bo>d4 7c7 ,conditions ,! ,bo>d may impose conditions on an exemption grant$ "u subsection 7b74 7d7 ,factors to consid] ,9 issu+ an exemption "u subsection 7b71 ! ,bo>d %all consid]1 z appropriate1 ! ext5t to :i*-- 7#a7 ! provision or rule w\ld impose an unnecess>y or undue burd5 or co/ on ! bank hold+ company2 7#b7 ! provision or rule is unnecess>y or unw>rant$ to promote ! safety & s\ndness ( ! bank hold+ company2 & 7#c7 ! exemption is necess>y1 appropriate1 or consi/5t ) ! public int]e/4 7e7 ,adju/m5t = *anges 9 gross dome/ic product ,! asset ?re%old id5tifi$ 9 subsection 7b7 %all be adju/$ annually by ! ,bo>d to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce4 4 7#c7 ,exemptive au?ority = sav+s & loan hold+ companies & mutual hold+ companies ,section #aj ( ! ,home ,own]s' ,loan ,act 7#ab ,u4,s4,c4 #adfg;a7 is am5d$ by add+ at ! end ! foll[+3 7u7 ,exemptive au?ority 7#a7 ,def9itions ,9 ?is subsection-- 7,a7 ! t]m insur$ depository in/itution has ! mean+ giv5 ! t]m 9 section #c ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahac72 & 7,b7 ! t]m mutual hold+ company has ! mean+ giv5 ! t]m 9 subsection 7o77#aj77;,a74 7#b7 ,exemption ,not)/&+ any o!r provision ( law1 ! ,bo>d1 aft] consid]+ ! factors 9 p>agraph 7#d71 may exempt by rule any sav+s & loan hold+ company or any mutual hold+ company hav+ less ?an #aj1jjj1jjj1jjj 9 total assets f-- 7,a7 any provision ( ?is ,act2 7,b7 any rule promulgat$ "u ?is ,act2 or 7,c7 any rule promulgat$ "u any o!r ,act conf]r+ au?ority on ! ,bo>d4 7#c7 ,conditions ,! ,bo>d may impose conditions on an exemption grant$ "u p>agraph 7#b74 7#d7 ,factors to consid] ,9 issu+ an exemption "u p>agraph 7#b71 ! ,bo>d %all consid] ! ext5t to :i*-- 7,a7 ! provision or rule w\ld impose an unnecess>y or undue burd5 or co/ on ! sav+s & loan hold+ company or ! mutual hold+ company2 7,b7 ! provision or rule is unnecess>y or unw>rant$ to promote ! safety & s\ndness ( ! sav+s & loan hold+ company or ! mutual hold+ company2 & 7,c7 ! exemption is necess>y1 appropriate1 or consi/5t ) ! public int]e/4 7#e7 ,limitation ,! au?ority grant$ "u p>agraph 7#b7 %all n apply ) respect to a sav+s & loan hold+ company describ$ 9 subsection 7c77#i77;,c74 7#f7 ,adju/m5t = *anges 9 gross dome/ic product ,! asset ?re%old id5tifi$ 9 p>agraph 7#b7 %all be adju/$ annually by ! ,bo>d to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce4 4 ,b ,sy/emically important bank hold+ companies #ica4 ,revisions to ,c\ncil au?ority 7a7 ,purposes & duties ,section #aab7;a77#b77;,i7 ( ! ,f9ancial ,/ability ,act ( #bjaj 7#ab ,u4,s4,c4 #ecbb7;a77#b77;,i77 is am5d$-- 7#a7 by /rik+ & l>ge1 int]connect$ bank hold+ companies2 & 7#b7 by ins]t+ & bank hold+ companies subject to a det]m9ation "u section #aac;,a7a7 be=e ! semicolon at ! end4 7b7 ,au?ority to require sup]vision & regulation ( c]ta9 bank hold+ companies ,! ,f9ancial ,/ability ,act ( #bjaj 7#ab ,u4,s4,c4 #ecaa et seq47 is am5d$ by add+ aft] section #aac 7#ab ,u4,s4,c4 #ecbc7 ! foll[+3 #aac;,a4 ,au?ority to require sup]vision & regulation ( sy/emically important bank hold+ companies 7a7 ,9 g5]al ,! ,c\ncil may1 9 accordance ) ! proc$ures describ$ 9 subsections 7c7 & 7d71 det]m9e t a bank hold+ company %all be deem$ sy/emically important4 7b7 ,consid]ations 7#a7 ,! ,c\ncil %all1 n lat] ?an #ij days aft] ! date ( enactm5t ( ?is section1 issue regulations describ+ ) specificity ! factors t ! ,c\ncil w use to make a det]m9ation "u subsection 7a74 ,su* factors %all initially include ! foll[+3 7,a7 ,! size ( ! bank hold+ company4 7,b7 ,! int]connect$ness ( ! bank hold+ company4 7,c7 ,! ext5t ( readily available sub/itutes or f9ancial in/itution infra/ructure = ! s]vices provid$ by ! bank hold+ company4 7,d7 ,! global cross-jurisdictional activity ( ! bank hold+ company4 7,e7 ,! complexity ( ! bank hold+ company4 7#b7 ,! ,c\ncil may1 by regulation1 add to1 subtract1 or modify ! factors us$ by ! ,c\ncil pursuant to p>agraph 7#a7 if ! ,c\ncil-- 7,a7 provides notice to ! public & opportunity = comm5t on any propos$ *anges2 7,b7 expla9s1 z "p ( ! notice requir$ 9 subp>agraph 7,a71 ) specificity h[ any propos$ *anges w\ld result 9 factors t m accurately measure ! ?reat t ! mat]ial f9ancial di/ress ( a bank hold+ company c\ld pose to ! f9ancial /ability ( ! ,unit$ ,/ates1 9 comp>ison ) ! exi/+ factors2 & 7,c7 f9ds1 on a nondelegable basis & by a vote ( n few] ?an #b_/c ( ! vot+ memb]s !n s]v+1 includ+ an affirmative vote by ! ,*airp]son1 t su* a *ange w\ld result 9 factors t m accurately measure ! ?reat t ! mat]ial f9ancial di/ress ( a bank hold+ company c\ld pose to ! f9ancial /ability ( ! ,unit$ ,/ates1 9 comp>ison ) ! exi/+ factors4 7c7 ,bank hold+ companies deem$ sy/emically important 7#a7 ,9 g5]al ,) respect to a bank hold+ company ) total consolidat$ assets ( n less ?an #ej1jjj1jjj1jjj & n m ?an #ejj1jjj1jjj1jjj 7z su* am\nts are adju/$ annually by ! ,c\ncil to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce71 ! ,c\ncil may1 on a nondelegable basis & by a vote ( n few] ?an #b_/c ( ! vot+ memb]s !n s]v+1 includ+ an affirmative vote by ! ,*airp]son1 make a det]m9ation "u subsection 7a7 if ! ,c\ncil det]m9es1 bas$ on ! factors consid]$ pursuant to subsection 7b71 t ! mat]ial f9ancial di/ress ( a bank hold+ company c\ld pose a ?reat to ! f9ancial /ability ( ! ,unit$ ,/ates4 7#b7 ,requirem5ts = propos$ det]m9ation1 notice & opportunity = he>+1 & f9al det]m9ation 7,a7 ,initial evaluation by ! ,bo>d ( ,gov]nors ,! ,bo>d ( ,gov]nors may id5tify a bank hold+ company = an evaluation ( :e!r1 bas$ on ! factors consid]$ pursuant to subsection 7b71 ! mat]ial f9ancial di/ress ( ! bank hold+ company c\ld pose a ?reat to ! f9ancial /ability ( ! ,unit$ ,/ates4 ,^u id5tify+ su* bank hold+ company1 ! ,bo>d ( ,gov]nors-- 7i7 %all provide ! bank hold+ company )-- 7,i7 a writt5 notice t %all include any quantitative analysis us$ 9 id5tify+ ! bank hold+ company & %all expla9 ) specificity ! basis = id5tify+ ! bank hold+ company2 7,,ii7 an opportunity to submit writt5 mat]ials = consid]ation by ! ,bo>d ( ,gov]nors z "p ( an evaluation by ! ,bo>d ( ,gov]nors "u clause 7ii72 & 7,,iii7 an opportunity to meet ) repres5tatives ( ! ,bo>d ( ,gov]nors to discuss ! analysis conduct$ by ! ,bo>d ( ,gov]nors to id5tify ! bank hold+ company2 7ii7 may1 aft] fulfill+ ! requirem5ts ( clause 7i71 evaluate :e!r1 bas$ on ! factors consid]$ pursuant to subsection 7b71 ! mat]ial f9ancial di/ress ( ! bank hold+ company c\ld pose a ?reat to ! f9ancial /ability ( ! ,unit$ ,/ates2 7iii7 may1 at ! conclusion ( an evaluation "u clause 7ii71 make a recomm5dation to ! ,c\ncil t ! ,c\ncil p]=m an evaluation "u subp>agraph 7,b77ii77,i72 & 7iv7 %all1 if a recomm5dation is made "u clause 7iii71 provide writt5 notice to ! bank hold+ company t a recomm5dation 0 made1 :i* notice %all include a detail$ explanation ( ! basis = ! recomm5dation1 includ+ h[ ea* factor consid]$ pursuant to subsection 7b7 relates to ! pot5tial ?reat pos$ by ! bank hold+ company to ! f9ancial /ability ( ! ,unit$ ,/ates4 7,b7 ,evaluation by ! ,c\ncil 7i7 ,9 g5]al ,! ,c\ncil may only make a propos$ det]m9ation ) respect to a bank hold+ company "u subp>agraph 7,c77i7 if ! ,c\ncil-- 7,i7 has receiv$ a recomm5dation "u subp>agraph 7,a77iii7 ) respect to ! bank hold+ company2 or 7,,ii7 n e>li] ?an ! effective date ( ?is section1 & aft] consultation & coord9ation ) ! ,bo>d ( ,gov]nors1 on a nondelegable basis & by a vote ( n few] ?an #b_/c ( ! vot+ memb]s !n s]v+1 includ+ an affirmative vote by ! ,*airp]son1 decides to evaluate ! bank hold+ company = a propos$ det]m9ation "u subp>agraph 7,c77i74 7ii7 ,requirem5ts be=e mak+ a propos$ det]m9ation ,be=e mak+ a propos$ det]m9ation ) respect to a bank hold+ company "u subp>agraph 7,c77i71 & aft] receiv+ a recomm5dation "u clause 7i77,i7 or mak+ a decision "u clause 7i77,,ii71 ! ,c\ncil %all-- 7,i7 p]=m an evaluation ( ! bank hold+ company1 includ+ an evaluation (-- 7aa7 :e!r ! mat]ial f9ancial di/ress ( ! bank hold+ company c\ld pose a ?reat to ! f9ancial /ability ( ! ,unit$ ,/ates2 & 7bb7 h[ ea* ( ! factors consid]$ pursuant to subsection 7b7 relates to ! pot5tial ?reat pos$ by ! bank hold+ company to ! f9ancial /ability ( ! ,unit$ ,/ates2 & 7,,ii7 provide ! bank hold+ company )-- 7aa7 a writt5 notice t ! bank hold+ company is be+ evaluat$2 7bb7 an opportunity to meet ) repres5tatives ( ! ,c\ncil to discuss ! evaluation by ! ,c\ncil2 & 7cc7 an opportunity to submit writt5 mat]ials to ! ,c\ncil1 )9 su* "t z ! ,c\ncil deems appropriate 7b n e>li] ?an #cj days aft] ! date ( receipt ( ! notice "u item 7aa774 7,c7 ,propos$ det]m9ation 7i7 ,vot+ ,aft] fulfill+ ! requirem5ts ( subp>agraph 7,b71 ! ,c\ncil may1 on a nondelegable basis & by a vote ( n few] ?an #b_/c ( ! vot+ memb]s !n s]v+1 includ+ an affirmative vote by ! ,*airp]son1 propose to make a det]m9ation "u p>agraph 7#a7 ) respect to a bank hold+ company4 7ii7 ,notice ( propos$ det]m9ation ,if ! ,c\ncil makes a propos$ det]m9ation "u clause 7i71 ! ,c\ncil %all provide a notice to ! bank hold+ company1 :i* notice %all conta9 ! basis = ! propos$ det]m9ation1 includ+ a detail$ explanation ( ! evaluation p]=m$ "u subp>agraph 7,b77ii77,i74 7,d7 ,requirem5ts be=e f9al det]m9ation ,aft] mak+ a propos$ det]m9ation "u subp>agraph 7,c77i7 & prior to mak+ a f9al det]m9ation "u p>agraph 7#a71 ! ,c\ncil %all-- 7i7 n lat] ?an #cj days aft] ! date ( receipt ( any notice "u subp>agraph 7,c77ii71 provide ! bank hold+ company ) an opportunity to reque/1 9 writ+1 a he>+ be=e ! ,c\ncil to conte/ ! propos$ det]m9ation2 7ii7 if ! ,c\ncil receives a timely reque/ "u clause 7i71 fix a "t 7n e>li] ?an #cj days aft] ! date ( receipt ( ! reque/7 & place at :i* ! bank hold+ company may appe>1 p]sonally or ?r\gh c\nsel1 to1 at ! discretion ( ! bank hold+ company-- 7,i7 submit a plan to modify ! bus9ess1 /ructure1 or op]ations ( ! bank hold+ company 9 ord] to address ! factors & ! pot5tial ?reat pos$ by ! bank hold+ company to ! f9ancial /ability ( ! ,unit$ ,/ates id5tifi$ pursuant to subp>agraph 7,c77ii72 7,,ii7 submit writt5 mat]ials 9 addition to or sep>ate f ! plan describ$ 9 subclause 7,i72 & 7,,iii7 provide oral te/imony & oral argum5t to ! memb]s ( ! ,c\ncil1 ) n few] ?an #b_/c ( ! vot+ memb]s ( ! ,c\ncil1 includ+ ! ,*airp]son1 9 att5dance2 & 7iii7 9 ! ev5t a plan is submitt$ to ! ,c\ncil "u clause 7ii77,i7-- 7,i7 consid] :e!r ! plan1 if implem5t$1 w\ld address ! factors & ! pot5tial ?reat pos$ by ! bank hold+ company to ! f9ancial /ability ( ! ,unit$ ,/ates id5tifi$ pursuant to subp>agraph 7,c77ii72 & 7,,ii7 provide ! bank hold+ company )-- 7aa7 analysis ( :e!r & to :at ext5t ! plan addresses ! factors & ! pot5tial ?reat pos$ by ! bank hold+ company to ! f9ancial /ability ( ! ,unit$ ,/ates id5tifi$ pursuant to subp>agraph 7,c77ii72 7bb7 an opportunity to meet ) repres5tatives ( ! ,c\ncil to discuss ! analysis provid$ "u item 7aa72 & 7cc7 an opportunity to revise ! plan aft] discussions ) repres5tatives ( ! ,c\ncil4 7,e7 ,f9al det]m9ation 7i7 ,9 g5]al ,aft] fulfill+ ! requirem5ts ( subp>agraph 7,d71 & n lat] ?an #ij days aft] ! date on :i* a he>+ is held "u subp>agraph 7,d77ii71 ! ,c\ncil may vote to make a f9al det]m9ation "u p>agraph 7#a74 ,! ,c\ncil may delay ! vote up to #a additional ye> aft] ! conclusion ( ! #ij-;day p]iod if consid]+ a plan "u subp>agraph 7,d77iii74 7ii7 ,outcome ( ! vote ,if ! ,c\ncil votes on a f9al det]m9ation "u p>agraph 7#a71 ! ,c\ncil %all promptly in=m ! bank hold+ company ( ! outcome ( ! vote 9 writ+4 7iii7 ,notice ( f9al det]m9ation ,if ! ,c\ncil votes to make a f9al det]m9ation "u p>agraph 7#a71 ! ,c\ncil %all1 n lat] ?an #cj days aft] ! date ( ! vote1 provide a notice to ! bank hold+ company1 :i* notice %all conta9-- 7,i7 ! basis = ! det]m9ation1 includ+-- 7aa7 a detail$ analysis ( any plan submitt$ by ! bank hold+ company & consid]$ by ! ,c\ncil "u subp>agraph 7,d71 if applicable1 :i* analysis %all1 at a m9imum1 include-- 7,,aa7 :e!r & to :at ext5t successful implem5tation ( ! plan c\ld address ! factors & ! pot5tial ?reat pos$ by ! bank hold+ company to ! f9ancial /ability ( ! ,unit$ ,/ates id5tifi$ pursuant to subp>agraph 7,c77ii72 & 7,,bb7 a detail$ explanation ( :y ! plan w\ld n address ! factors & ! pot5tial ?reat pos$ by ! bank hold+ company to ! f9ancial /ability ( ! ,unit$ ,/ates id5tifi$ pursuant to subp>agraph 7,c77ii71 if ! ,c\ncil1 dur+ its consid]ation ( ! plan "u subp>agraph 7,d77iii77,i71 conclud$ t ! plan w\ld n address su* factors or pot5tial ?reat2 7bb7 ! reasons :y ! mat]ials & o!r in=mation submitt$ or provid$ by ! bank hold+ company "u subclauses 7,,ii7 & 7,,iii7 ( subp>agraph 7,d77ii7 did n address ! pot5tial ?reat pos$ by ! bank hold+ company to ! f9ancial /ability ( ! ,unit$ ,/ates2 7cc7 a detail$ analysis ( h[ ! factors1 includ+ an explanation ( h[ ea* factor relates to ! pot5tial ?reat pos$ by ! bank hold+ company to ! f9ancial /ability ( ! ,unit$ ,/ates1 t ! ,c\ncil consid]$ pursuant to subsection 7b7 result$ 9 ! f9al det]m9ation "u p>agraph 7#a72 & 7dd7 specific aspects ( ! bus9ess1 op]ations1 or /ructure ( ! bank hold+ company t ! ,c\ncil believes c\ld pose a ?reat to ! f9ancial /ability ( ! ,unit$ ,/ates1 includ+ an assessm5t by ! ,c\ncil ( ! probability & magnitude ( ! ?reat2 & 7,,ii7 an explanation ( actions ! bank hold+ company c\ld take 9 ord] = ! ,c\ncil to resc9d ! det]m9ation4 7#c7 ,reevaluation & rescission 7,a7 ,reevaluation requirem5t ,! ,c\ncil %all1 9 accordance ) ?is p>agraph1 reevaluate a f9al det]m9ation made "u p>agraph 7#a7 ) respect to a bank hold+ company-- 7i7 if1 at any "t1 ! ,bo>d ( ,gov]nors recomm5ds t ! ,c\ncil d s2 & 7ii7 n less frequ5tly ?an once e #e ye>s4 7,b7 ,reevaluation proc$ure ,! ,c\ncil1 9 conduct+ any reevaluation ( a bank hold+ company requir$ "u subp>agraph 7,a71 %all-- 7i7 provide a writt5 notice to ! bank hold+ company be+ reevaluat$2 7ii7 af=d ! bank hold+ company an opportunity to submit a plan1 )9 su* "t z ! ,c\ncil det]m9es to be appropriate 7b :i* %all be n e>li] ?an #cj days aft] ! date ( receipt by ! bank hold+ company ( ! notice provid$ "u clause 7i771 to modify ! bus9ess1 /ructure1 or op]ations ( ! bank hold+ company2 7iii7 af=d ! bank hold+ company an opportunity to submit writt5 mat]ials 9 addition to1 or sep>ate f1 ! plan describ$ 9 clause 7ii71 )9 su* "t z ! ,c\ncil det]m9es to be appropriate 7b :i* %all be n e>li] ?an #cj days aft] ! date ( receipt by ! bank hold+ company ( ! notice provid$ "u clause 7i771 to conte/ ! det]m9ation1 includ+ mat]ials conc]n+ :e!r1 9 ! view ( ! bank hold+ company1 ! mat]ial f9ancial di/ress at ! bank hold+ company c\ld pose a ?reat to ! f9ancial /ability ( ! ,unit$ ,/ates2 7iv7 provide an opportunity = ! bank hold+ company to meet ) repres5tatives ( ! ,c\ncil to pres5t ! in=mation describ$ 9 clauses 7ii7 & 7iii72 7v7 n e>li] ?an #cj days aft] ! date ( receipt ( any notice "u clause 7i71 provide ! bank hold+ company ) an opportunity to reque/1 9 writ+1 a he>+ be=e ! ,c\ncil to conte/ its f9al det]m9ation "u p>agraph 7#a72 & 7vi7 if ! ,c\ncil receives a timely reque/ "u clause 7v71 fix a "t 7n e>li] ?an #cj days aft] ! date ( receipt ( ! reque/7 & place at :i* ! bank hold+ company may appe>1 p]sonally or ?r\gh c\nsel1 to1 at ! discretion ( ! bank hold+ company1 provide oral te/imony & oral argum5t to ! memb]s ( ! ,c\ncil1 ) n few] ?an #b_/c ( ! vot+ memb]s ( ! ,c\ncil1 includ+ ! ,*airp]son1 9 att5dance4 7,c7 ,company plan ,if a bank hold+ company submits a plan 9 accordance ) subp>agraph 7,b77ii71 ! ,c\ncil %all-- 7i7 consid] :e!r ! plan1 if implem5t$1 w\ld result 9 ! bank hold+ company no long] meet+ ! crit]ia = a f9al det]m9ation "u p>agraph 7#a72 & 7ii7 provide ! bank hold+ company )-- 7,i7 analysis ( :e!r & to :at ext5t ! plan addresses ! pot5tial ?reat pos$ by ! bank hold+ company to ! f9ancial /ability ( ! ,unit$ ,/ates2 7,,ii7 an opportunity to meet ) repres5tatives ( ! ,c\ncil to discuss ! analysis provid$ "u subclause 7,i72 & 7,,iii7 an opportunity to revise ! plan aft] discussions ) repres5tatives ( ! ,c\ncil4 7,d7 ,vot+ & explanation 7i7 ,9 g5]al ,aft] evaluat+ ! mat]ials & in=mation provid$ by a bank hold+ company "u subp>agraph 7,b7 & fulfill+ ! requirem5ts ( subp>agraph 7,c71 & n lat] ?an #ahj days aft] ! date ( receipt by ! bank hold+ company ( ! notice provid$ "u subp>agraph 7,b77i71 ! ,c\ncil %all1 on a nondelegable basis & by a vote ( n few] ?an #b_/c ( ! vot+ memb]s !n s]v+1 includ+ an affirmative vote by ! ,*airp]son1 det]m9e :e!r to r5ew a f9al det]m9ation "u p>agraph 7#a74 7ii7 ,notice ( f9al det]m9ation ,if ! ,c\ncil votes to r5ew a f9al det]m9ation "u clause 7i71 ! ,c\ncil %all provide a notice to ! bank hold+ company ) ! reasons = ! decision by ! ,c\ncil1 :i* notice %all address ) specificity-- 7,i7 any *anges to ! basis = ! f9al det]m9ation decision made "u p>agraph 7#a7 s9ce ! date on :i* ! f9al det]m9ation "u p>agraph 7#a7 0 made1 includ+ any *anges to ! in=mation provid$ to ! bank hold+ company "u-- 7aa7 p>agraph 7#b77;,e77iii77,i77cc72 or 7bb7 ?is clause1 9 prior ye>s2 7,,ii7 any plan submitt$ by ! bank hold+ company & consid]$ by ! ,c\ncil "u subp>agraph 7,c71 & %all1 at a m9imum1 include-- 7aa7 a detail$ analysis ( :e!r & to :at ext5t successful implem5tation ( ! plan c\ld result 9 ! bank hold+ company no long] meet+ ! crit]ia = a f9al det]m9ation "u p>agraph 7#a72 & 7bb7 a detail$ explanation ( :y1 if ! plan 7 implem5t$1 ! bank hold+ company w\ld /ill meet ! crit]ia = a f9al det]m9ation "u p>agraph 7#a71 if ! ,c\ncil1 dur+ its consid]ation ( ! plan "u subp>agraph 7,c71 conclud$ t ! bank hold+ company w\ld /ill meet ^? crit]ia if ! plan 7 implem5t$2 7,,iii7 aspects ( ! bus9ess1 op]ations1 or /ructure ( ! bank hold+ company t ! ,c\ncil believes c\ld pose a ?reat to ! f9ancial /ability ( ! ,unit$ ,/ates1 includ+ ! probability & magnitude ( t ?reat2 & 7,,iv7 an explanation ( actions ! bank hold+ company c\ld take 9 ord] = ! ,c\ncil to resc9d ! det]m9ation4 7iii7 ,no f9al det]m9ation ,if ! ,c\ncil does n vote to r5ew a f9al det]m9ation "u clause 7i71 !n ! exi/+ f9al det]m9ation "u p>agraph 7#a7 %all be resc9d$ & ! ,c\ncil %all in=m ! bank hold+ company 9 writ+4 7iv7 ,vot+ ?re%old = rescission ( det]m9ation ,not)/&+ clause 7iii71 ! ,c\ncil may1 at any "t1 on a nondelegable basis & by a vote ( n few] ?an #b_/c ( ! vot+ memb]s !n s]v+1 includ+ an affirmative vote by ! ,*airp]son1 det]m9e t a bank hold+ company no long] meets ! crit]ia = a f9al det]m9ation "u p>agraph 7#a71 9 :i* case ! ,c\ncil %all resc9d ! f9al det]m9ation4 7#d7 ,em]g5cy exception 7,a7 ,9 g5]al ,! ,c\ncil may waive or modify ! requirem5ts ( p>agraph 7#b7 ) respect to a bank hold+ company ) total consolidat$ assets ( n less ?an #ej1jjj1jjj1jjj & n m ?an #ejj1jjj1jjj1jjj 7z su* am\nts are adju/$ annually by ! ,c\ncil to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce7 if ! ,c\ncil det]m9es1 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 t su* waiv] or modification is necess>y or appropriate to prev5t or mitigate ?reats pos$ by ! bank hold+ company to ! f9ancial /ability ( ! ,unit$ ,/ates4 7,b7 ,notice ,! ,c\ncil %all provide notice ( a waiv] or modification "u ?is p>agraph to ! bank hold+ company conc]n$ z soon z practicable1 b n lat] ?an #bd h\rs aft] ! waiv] or modification is grant$4 7,c7 ,int]national coord9ation ,9 mak+ a det]m9ation "u subp>agraph 7,a71 ! ,c\ncil %all consult ) ! appropriate home c\ntry sup]visor1 if any1 ( a =eign bank hold+ company t is be+ consid]$ = su* a det]m9ation4 7,d7 ,opportunity = he>+ ,! ,c\ncil %all all[ a bank hold+ company to reque/1 9 writ+1 an opportunity = a he>+ be=e ! ,c\ncil to conte/ a waiv] or modification "u ?is p>agraph1 n lat] ?an #aj days aft] ! date ( receipt ( ! notice ( waiv] or modification4 ,^u receipt ( a timely reque/1 ! ,c\ncil %all fix a "t 7n lat] ?an #ae days aft] ! date ( receipt ( ! reque/7 & place at :i* ! bank hold+ company may appe>1 p]sonally or ?r\gh c\nsel1 to submit writt5 mat]ials 7or1 at ! sole discretion ( ! ,c\ncil1 oral te/imony & oral argum5t74 7,e7 ,notice ( f9al det]m9ation ,n lat] ?an #cj days aft] ! date ( any he>+ "u subp>agraph 7,d71 ! ,c\ncil %all notify ! subject bank hold+ company ( ! f9al det]m9ation ( ! ,c\ncil "u ?is p>agraph1 :i* %all conta9 a /atem5t ( ! basis = ! decision ( ! ,c\ncil4 7#e7 ,consultation ,! ,c\ncil %all consult ) ! prim>y f9ancial regulatory ag5cy = ea* bank hold+ company t is be+ consid]$ by ! ,c\ncil "u ?is section f ! outset ( ! consid]ation ( ! bank hold+ company by ! ,c\ncil1 includ+ be=e ! ,c\ncil makes any propos$ det]m9ation "u p>agraph 7#b77;,c77i7 or f9al det]m9ation "u p>agraph 7#a74 7#f7 ,judicial review ,if ! ,c\ncil makes or r5ews a f9al det]m9ation "u ?is subsection ) respect to a bank hold+ company1 su* bank hold+ company may1 n lat] ?an #cj days aft] ! date ( receipt ( ! notice ( f9al det]m9ation "u p>agraph 7#b77;,e77iii7 or ( r5ewal ( a f9al det]m9ation "u p>agraph 7#c77;,d77ii71 br+ an action 9 ! ,unit$ ,/ates di/rict c\rt = ! judicial di/rict 9 :i* ! home (fice ( su* bank hold+ company is locat$1 or 9 ! ,unit$ ,/ates ,di/rict ,c\rt = ! ,di/rict ( ,columbia1 = an ord] requir+ t ! f9al det]m9ation be resc9d$1 & ! c\rt %all1 ^u review1 dismiss su* action or direct ! f9al det]m9ation to be resc9d$4 ,review ( su* an action %all be limit$ to :e!r ! f9al det]m9ation made "u ?is subsection 0 arbitr>y & caprici\s4 7#g7 ,public disclosure requirem5t ,! ,c\ncil %all-- 7,a7 9 ea* case t a bank hold+ company has receiv$ a notice "u p>agraph 7#b77;,b77ii77,,ii77aa71 & ! bank hold+ company has publicly disclos$ t ! bank hold+ company is be+ evaluat$ by ! ,c\ncil1 confirm t ! bank hold+ company is be+ evaluat$ by ! ,c\ncil1 9 response to a reque/ f a ?ird p>ty2 7,b7 ^u mak+ a f9al det]m9ation "u p>agraph 7#a7 or r5ew+ a f9al det]m9ation "u p>agraph 7#c77;,d77i71 publicly provide a detail$ writt5 explanation ( ! basis = ! f9al det]m9ation ) suffici5t detail to provide ! public ) an und]/&+ ( ! specific bases ( ! det]m9ation by ! ,c\ncil1 includ+ any assumptions relat$ !re(1 subject to ! requirem5ts ( section #aab7;d77#e72 & 7,c7 include1 9 ! annual report requir$ "u section #aab-- 7i7 ! numb] ( bank hold+ companies f ! previ\s ye> t receiv$ a notice "u p>agraph 7#b77;,b77ii77,,ii77aa72 7ii7 ! numb] ( bank hold+ companies f ! previ\s ye> t 7 subject to a propos$ det]m9ation "u p>agraph 7#b77;,c77i72 & 7iii7 ! numb] ( bank hold+ companies f ! previ\s ye> t 7 subject to a f9al det]m9ation "u p>agraph 7#a74 7d7 ,bank hold+ companies automatically deem$ sy/emically important 7#a7 ,automatic det]m9ation ,a bank hold+ company ) total consolidat$ assets ( m ?an #ejj1jjj1jjj1jjj 7z su* am\nt is adju/$ annually by ! ,c\ncil to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce7 %all automatically be subject to a det]m9ation "u subsection 7a74 7#b7 ,rule ( con/ruction 7,a7 ,bank hold+ company increas+ 9 size ,if1 subsequ5t to ! effective date1 a bank hold+ company t 0 previ\sly subject to a f9al det]m9ation "u subsection 7c77#a7 gr[s to h total consolidat$ assets ( m ?an #ejj1jjj1jjj1jjj 7z su* am\nt is adju/$ annually by ! ,c\ncil to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce7 = a p]iod ( #ahj consecutive days1 ! bank hold+ company %all be subject to an automatic det]m9ation "u p>agraph 7#a7 & n subject to a det]m9ation "u subsection 7c77#a7 = ! purposes ( ?is section4 7,b7 ,bank hold+ company decreas+ 9 size ,if a bank hold+ company subject to an automatic det]m9ation "u p>agraph 7#a7 decreases 9 size1 su* t ! bank hold+ company no long] is a bank hold+ company ) total consolidat$ assets ( m ?an #ejj1jjj1jjj1jjj 7z su* am\nt is adju/$ annually by ! ,c\ncil to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce7 = a p]iod ( #ahj consecutive days1 ! bank hold+ company %all be consid]$ subject to a f9al det]m9ation "u subsection 7c77#a7 & n subject to an automatic det]m9ation "u p>agraph 7#a7 = ! purposes ( ?is section4 7e7 ,int]national coord9ation ,9 ex]cis+ its duties "u ?is title ) respect to =eign bank hold+ companies1 =eign-bas$ bank hold+ companies1 & cross-bord] activities & m>kets1 ! ,c\ncil %all consult ) appropriate =eign regulatory au?orities1 to ! ext5t appropriate4 4 7c7 ,enhanc$ sup]vision ,section #aae ( ! ,f9ancial ,/ability ,act ( #bjaj 7#ab ,u4,s4,c4 #ecbe7 is am5d$-- 7#a7 9 subsection 7a7-- 7,a7 9 ! matt] prec$+ subp>agraph 7,a7 ( p>agraph 7#a71 by /rik+ l>ge1 int]connect$ bank hold+ companies & ins]t+ bank hold+ companies subject to a det]m9ation "u section #aac;,a7a72 & 7,b7 9 p>agraph 7#b7-- 7i7 9 subp>agraph 7,a71 by /rik+ 2 or & ins]t+ a p]iod2 7ii7 by /rik+ ! ,c\ncil may & all t foll[s ?r\gh diff]5tiate & ins]t+ ! ,c\ncil may diff]5tiate2 & 7iii7 by /rik+ subp>agraph 7,b72 & 7#b7 9 subsection 7b77#c71 by ins]t+ & ! factors us$ by ! ,c\ncil pursuant to section #aac;,a7b7 aft] subsections 7a7 & 7b7 ( section #aac ea* place t t]m appe>s4 7d7 ,reports ,! matt] prec$+ p>agraph 7#a7 ( section #aaf7;a7 ( ! ,f9ancial ,/ability ,act ( #bjaj 7#ab ,u4,s4,c4 #ecbf7;a77 is am5d$ by /rik+ ) total consolidat$ assets ( #ej1jjj1jjj1jjj or great] & ins]t+ subject to a det]m9ation "u section #aac;,a7a74 7e7 ,mitigation ,section #aba ( ! ,f9ancial ,/ability ,act ( #bjaj 7#ab ,u4,s4,c4 #ecca7 is am5d$-- 7#a7 9 ! matt] prec$+ p>agraph 7#a7 ( subsection 7a71 by /rik+ ) total consolidat$ assets ( #ej1jjj1jjj1jjj or m & ins]t+ subject to a det]m9ation "u section #aac;,a7a72 & 7#b7 9 subsection 7c71 by ins]t+ 9 ! case ( a nonbank f9ancial company1 & ! factors us$ by ! ,c\ncil pursuant to section #aac;,a7b7 9 ! case ( a bank hold+ company aft] z applicable14 7f7 ,(fice ( ,f9ancial ,rese>* ,section #aee7;d7 ( ! ,f9ancial ,/ability ,act ( #bjaj 7#ab ,u4,s4,c4 #ecde7;d77 is am5d$ by /rik+ ) total consolidat$ assets ( #ej1jjj1jjj1jjj or great] & ins]t+ subject to a det]m9ation "u section #aac;,a7a74 #icb4 ,revisions to ,bo>d au?ority 7a7 ,acquisitions ,section #afc ( ! ,f9ancial ,/ability ,act ( #bjaj 7#ab ,u4,s4,c4 #ecfc7 is am5d$ by /rik+ ) total consolidat$ assets equal to or great] ?an #ej1jjj1jjj1jjj ea* place t t]m appe>s & ins]t+ subject to a det]m9ation "u section #aac;,a7a74 7b7 ,managem5t ,int]locks ,section #afd ( ! ,f9ancial ,/ability ,act ( #bjaj 7#ab ,u4,s4,c4 #ecfd7 is am5d$ by /rik+ ) total consolidat$ assets equal to or great] ?an #ej1jjj1jjj1jjj & ins]t+ subject to a det]m9ation "u section #aac;,a7a74 7c7 ,enhanc$ sup]vision & prud5tial /&>ds ,section #afe ( ! ,f9ancial ,/ability ,act ( #bjaj 7#ab ,u4,s4,c4 #ecfe7 is am5d$-- 7#a7 9 subsection 7a7-- 7,a7 9 p>agraph 7#a71 by /rik+ ) total consolidat$ assets equal to or great] ?an #ej1jjj1jjj1jjj & ins]t+ subject to a det]m9ation "u section #aac;,a7a72 & 7,b7 9 p>agraph 7#b7-- 7i7 by /rik+ application & all t foll[s ?r\gh ,9 prescrib+ & ins]t+ application4--,9 prescrib+2 & 7ii7 by /rik+ subp>agraph 7,b72 7#b7 9 subsection 7b77#c71 by ins]t+ & ! factors us$ by ! ,c\ncil pursuant to section #aac;,a7b7 aft] subsections 7a7 & 7b7 ( section #aac ea* place t t]m appe>s2 7#c7 9 subsection 7h71 by /rik+ #aj1jjj1jjj1jjj ea* place t t]m appe>s & ins]t+ #ej1jjj1jjj1jjj 7z su* am\nt is adju/$ annually by ! ,c\ncil to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce72 7#d7 9 subsection 7i77#b77;,a71 by /rik+ #aj1jjj1jjj1jjj & ins]t+ #ej1jjj1jjj1jjj 7z su* am\nt is adju/$ annually by ! ,c\ncil to reflect ! p]c5tage *ange = ! previ\s cal5d> ye> 9 ! gross dome/ic product ( ! ,unit$ ,/ates1 z calculat$ by ! ,bureau ( ,economic ,analysis ( ! ,dep>tm5t ( ,comm]ce72 & 7#e7 9 subsection 7j7-- 7,a7 9 p>agraph 7#a71 by /rik+ ) total consolidat$ assets equal to or great] ?an #ej1jjj1jjj1jjj & ins]t+ describ$ 9 subsection 7a72 & 7,b7 by /rik+ p>agraph 7#b7 & ins]t+ ! foll[+3 7#b7 ,consid]ations ,9 mak+ a det]m9ation "u ?is subsection1 ! ,c\ncil %all-- 7,a7 9 ! case ( a nonbank f9ancial company sup]vis$ by ! ,bo>d ( ,gov]nors1 consid] ! factors describ$ 9 subsections 7a7 & 7b7 ( section #aac & any o!r risk-relat$ factors t ! ,c\ncil deems appropriate2 & 7,b7 9 ! case ( a bank hold+ company describ$ 9 subsection 7a71 consid] ! factors us$ by ! ,c\ncil pursuant to section #aac;,a7b74 4 7d7 ,con=m+ am5dm5t ,! second subsection designat$ z subsection 7s77#b7 ( ! ,f$]al ,res]ve ,act 7#ab ,u4,s4,c4 #bdh7s77#b77 7relat+ to assessm5ts1 fees1 & o!r *>ges = c]ta9 companies7 is am5d$-- 7#a7 9 subp>agraph 7,a71 by /rik+ hav+ total consolidat$ assets ( #ej1jjj1jjj1jjj or m2 & ins]t+ subject to a det]m9ation "u section #aac;,a7a7 ( ! ,f9ancial ,/ability ,act ( #bjaj2 &2 7#b7 by /rik+ subp>agraph 7,b72 & 7#c7 by r$esignat+ subp>agraph 7,c7 z subp>agraph 7,b74 #icc4 ,effective date 7a7 ,9 g5]al ,! am5dm5ts made by ?is subtitle %all1 except z o!rwise provid$1 take effect on ! date t is #ahj days aft] ! date on :i* ! regulations requir$ "u section #aac;,a7b7 ( ! ,f9ancial ,/ability ,act ( #bjaj1 z add$ by section #ica7;b7 ( ?is title1 are issu$4 7b7 ,rule ( con/ruction ,no?+ 9 ?is subtitle %all be con/ru$ to prohibit ! ,f9ancial ,/ability ,ov]sight ,c\ncil e/abli%$ "u section #aaa ( ! ,f9ancial ,/ability ,act ( #bjaj 7#ab ,u4,s4,c4 #ecba7 or ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em f comply+ ) any ( ! requirem5ts ( section #aac;,a ( t ,act1 z add$ by section #ica7;b7 ( ?is title1 ) respect to a bank hold+ company 7z def9$ 9 section #b ( ! ,bank ,hold+ ,company ,act ( #aief 7#ab ,u4,s4,c4 #ahda77 prior to ! effective date describ$ 9 subsection 7a74 #icd4 ,s5se ( ,congress 7a7 ,def9itions ,9 ?is section3 7#a7 ,appropriate ,f$]al bank+ ag5cies2 bank hold+ company ,! t]ms appropriate ,f$]al bank+ ag5cies & bank hold+ company h ! mean+s giv5 ^? t]ms 9 section #c ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahac74 7#b7 ,nonbank f9ancial company ,! t]m nonbank f9ancial company has ! mean+ giv5 t t]m 9 section #ajb7;a7 ( ! ,f9ancial ,/ability ,act ( #bjaj 7#ab ,u4,s4,c4 #ecaa74 7b7 ,s5se ( ,congress ,x is ! s5se ( ,congress t ! appropriate ,f$]al bank+ ag5cies %\ld seek to prop]ly tailor prud5tial regulations &1 9 do+ s1 diff]5tiate among bank hold+ companies & among nonbank f9ancial companies sup]vis$ by ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em bas$ on _! capital /ructure1 risk9ess1 complexity1 f9ancial activities 7includ+ ! f9ancial activities ( _! subsidi>ies71 size1 & o!r risk-relat$ factors1 us+ exi/+ au?orities1 includ+ waiv] au?orities provid$ 9 /atute or regulation4 #ice4 ,pres]vation ( au?ority ,no?+ 9 ?is title %all be con/ru$ to limit ! sup]visory1 regulatory1 or en=cem5t au?ority ( a ,f$]al bank+ ag5cy 7z def9$ 9 section #c ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahac77 to fur!r ! safe & s\nd op]ation ( an in/itution t ! ,f$]al bank+ ag5cy sup]vises1 except z specifically provid$ 9 ?is title4 ,c ,great] transp>5cy = ! ,f9ancial ,/ability ,ov]sight ,c\ncil process = nonbank f9ancial companies #ida4 ,access to ,c\ncil meet+s by ag5cy memb]s ,section #aaa7;e7 ( ! ,f9ancial ,/ability ,act ( #bjaj 7#ab ,u4,s4,c4 #ecba7;e77 is am5d$ by add+ at ! end ! foll[+3 7#c7 ,access ,any memb] ( ! gov]n+ body ( a memb] ag5cy head$ by a memb] ( ! ,c\ncil describ$ 9 subp>agraph 7,b71 7,e71 7,f71 7,g71 or 7,i7 ( p>agraph 7#a7 ( subsection 7b7-- 7,a7 may att5d a meet+ ( ! ,c\ncil1 includ+ any meet+ ( repres5tatives ( ! memb]s ( ! ,c\ncil2 & 7,b7 %all h access to ! same in=mation & mat]ials t a memb] ( ! ,c\ncil describ$ 9 subp>agraph 7,b71 7,e71 7,f71 7,g71 or 7,i7 ( p>agraph 7#a7 ( subsection 7b7 is provid$ or entitl$ to4 4 #idb4 ,nonbank det]m9ation process ,section #aac ( ! ,f9ancial ,/ability ,act ( #bjaj 7#ab ,u4,s4,c4 #ecbc7 is am5d$-- 7#a7 9 subsection 7a77#b7-- 7,a7 9 ! matt] prec$+ subp>agraph 7,a71 by ins]t+ factors1 includ+ aft] consid]2 7,b7 9 subp>agraph 7,h71 by /rik+ #a or m prim>y f9ancial regulatory ag5cies & ins]t+ its prim>y f9ancial regulatory ag5cy1 includ+ ! appropriat5ess ( ! imposition ( prud5tial /&>ds 9 addition to or z oppos$ to o!r =ms ( regulation2 7,c7 9 subp>agraph 7,j71 by /rik+ & at ! end2 7,d7 by r$esignat+ subp>agraph 7,k7 z subp>agraph 7,l72 & 7,e7 by ins]t+ aft] subp>agraph 7,j7 ! foll[+3 7,k7 actions tak5 by ! prim>y f9ancial regulatory ag5cy pursuant to subsection 7e77#a77;,c72 & 2 7#b7 9 subsection 7b77#b7-- 7,a7 9 ! matt] prec$+ subp>agraph 7,a71 by ins]t+ factors1 includ+ aft] consid]2 7,b7 9 subp>agraph 7,h71 by ins]t+ 1 includ+ ! appropriat5ess ( ! imposition ( prud5tial /&>ds 9 addition to or z oppos$ to o!r =ms ( regulation be=e ! semicolon at ! end2 7,c7 9 subp>agraph 7,j71 by /rik+ & at ! end2 7,d7 by r$esignat+ subp>agraph 7,k7 z subp>agraph 7,l72 & 7,e7 by ins]t+ aft] subp>agraph 7,j7 ! foll[+3 7,k7 actions tak5 by ! prim>y f9ancial regulatory ag5cy pursuant to subsection 7e77#a77;,c72 & 2 7#c7 by /rik+ subsections 7d7 & 7e7 & ins]t+ ! foll[+3 7d7 ,annual reevaluation & rescission 7#a7 ,annual reevaluation ,n less frequ5tly ?an annually1 except ) respect to subp>agraph 7,e71 ! ,c\ncil %all reevaluate ea* f9al det]m9ation made "u subsection 7a7 or 7b7 ) respect to a nonbank f9ancial company sup]vis$ by ! ,bo>d ( ,gov]nors & %all-- 7,a7 provide a writt5 notice to ! nonbank f9ancial company be+ reevaluat$2 7,b7 af=d ! nonbank f9ancial company an opportunity to submit a plan1 )9 su* "t z ! ,c\ncil det]m9es to be appropriate 7b :i* %all be n e>li] ?an #cj days aft] ! date ( receipt by ! nonbank f9ancial company ( ! notice provid$ "u subp>agraph 7,a771 to modify ! bus9ess1 /ructure1 or op]ations ( ! nonbank f9ancial company2 7,c7 af=d ! nonbank f9ancial company an opportunity to submit writt5 mat]ials 9 addition to1 or sep>ate f1 ! plan describ$ 9 subp>agraph 7,b71 )9 su* "t z ! ,c\ncil det]m9es to be appropriate 7b :i* %all be n e>li] ?an #cj days aft] ! date ( receipt by ! nonbank f9ancial company ( ! notice provid$ "u subp>agraph 7,a771 to conte/ ! det]m9ation1 includ+ mat]ials conc]n+ :e!r1 9 ! view ( ! nonbank f9ancial company1 ! mat]ial f9ancial di/ress at ! nonbank f9ancial company1 or ! nature1 scope1 size1 scale1 conc5tration1 int]connect$ness1 or mix ( ! activities ( ! nonbank f9ancial company1 c\ld pose a ?reat to ! f9ancial /ability ( ! ,unit$ ,/ates2 7,d7 provide an opportunity = ! nonbank f9ancial company to meet ) repres5tatives ( ! ,c\ncil to pres5t ! in=mation describ$ 9 subp>agraphs 7,b7 & 7,c72 & 7,e7 n less ?an once e #e ye>s & prior to a vote "u p>agraph 7#c77;,a77ii7-- 7i7 n e>li] ?an #cj days aft] ! date ( receipt ( any notice "u subp>agraph 7,a71 provide ! nonbank f9ancial company ) an opportunity to reque/1 9 writ+1 a he>+ be=e ! ,c\ncil to conte/ its f9al det]m9ation "u subsection 7a7 or 7b72 & 7ii7 if ! ,c\ncil receives a timely reque/ "u clause 7i71 fix a "t 7n e>li] ?an #cj days aft] ! date ( receipt ( ! reque/7 & place at :i* ! nonbank f9ancial company may appe>1 p]sonally or ?r\gh c\nsel1 to1 at ! discretion ( ! nonbank f9ancial company1 provide oral te/imony & oral argum5t to ! memb]s ( ! ,c\ncil1 ) n few] ?an #b_/c ( ! vot+ memb]s ( ! ,c\ncil1 includ+ ! ,*airp]son1 9 att5dance4 7#b7 ,company plan ,if a nonbank f9ancial company submits a plan 9 accordance ) p>agraph 7#a77;,b71 ! ,c\ncil %all-- 7,a7 consid] :e!r ! plan1 if implem5t$1 w\ld result 9 ! nonbank f9ancial company no long] meet+ ! crit]ia = a f9al det]m9ation "u subsection 7a7 or 7b72 & 7,b7 provide ! nonbank f9ancial company )-- 7i7 analysis ( :e!r & to :at ext5t ! plan addresses ! pot5tial ?reat pos$ by ! nonbank f9ancial company to ! f9ancial /ability ( ! ,unit$ ,/ates2 7ii7 an opportunity to meet ) repres5tatives ( ! ,c\ncil to discuss ! analysis provid$ "u clause 7i72 & 7iii7 an opportunity to revise ! plan1 aft] discussions ) repres5tatives ( ! ,c\ncil4 7#c7 ,vot+ & explanation 7,a7 ,9 g5]al ,aft] evaluat+ ! mat]ials & in=mation provid$ by a nonbank f9ancial company "u p>agraph 7#a7 & fulfill+ ! requirem5ts ( p>agraph 7#b71 & n lat] ?an #ahj days aft] ! date ( receipt by ! nonbank f9ancial company ( ! notice provid$ "u p>agraph 7#a77;,a71 ! ,c\ncil %all1 on a nondelegable basis & by a vote ( n few] ?an #b_/c ( ! vot+ memb]s !n s]v+1 includ+ an affirmative vote by ! ,*airp]son-- 7i7 except z o!rwise provid$ 9 clause 7ii71 det]m9e :e!r ! nonbank f9ancial company no long] meets ! crit]ia = a f9al det]m9ation "u subsection 7a7 or 7b71 9 :i* case ! ,c\ncil %all resc9d su* det]m9ation2 & 7ii7 n less ?an once e #e ye>s1 & foll[+ a he>+ held "u p>agraph 7#a77;,e77ii71 det]m9e :e!r to r5ew a f9al det]m9ation "u subsection 7a7 or 7b74 7,b7 ,notice ( f9al det]m9ation ,if ! ,c\ncil does n vote to resc9d a f9al det]m9ation "u subp>agraph 7,a77i7 or votes to r5ew a f9al det]m9ation "u subp>agraph 7,a77ii71 ! ,c\ncil %all provide a notice to ! nonbank f9ancial company & ! prim>y f9ancial regulatory ag5cy ( ! nonbank f9ancial company ) ! reasons = ! decision by ! ,c\ncil1 :i* notice %all address ) specificity-- 7i7 any *anges to ! basis = ! f9al det]m9ation decision made "u subsection 7a7 or 7b7 s9ce ! date on :i* ! f9al det]m9ation "u subsection 7a7 or 7b7 0 made1 includ+ any *anges to ! in=mation provid$ to ! nonbank f9ancial company "u-- 7,i7 subsection 7e77#b77;,c77i77,,iv72 7,,ii7 ?is clause1 9 prior ye>s2 or 7,,iii7 subp>agraph 7,d72 7ii7 any plan submitt$ by ! nonbank f9ancial company & consid]$ by ! ,c\ncil "u p>agraph 7#b71 & %all1 at a m9imum1 include-- 7,i7 a detail$ analysis ( :e!r & to :at ext5t successful implem5tation ( ! plan c\ld result 9 ! nonbank f9ancial company no long] meet+ ! crit]ia = a f9al det]m9ation "u subsection 7a7 or 7b72 & 7,,ii7 a detail$ explanation ( :y1 if ! plan 7 implem5t$1 ! nonbank f9ancial company w\ld /ill meet ! crit]ia = a f9al det]m9ation "u subsection 7a7 or 7b71 if ! ,c\ncil1 dur+ its consid]ation ( ! plan "u p>agraph 7#b71 conclud$ t ! nonbank f9ancial company w\ld /ill meet ^? crit]ia if ! plan 7 implem5t$2 7iii7 aspects ( ! bus9ess1 op]ations1 or /ructure1 includ+ ! nature1 scope1 size1 scale1 conc5tration1 int]connect$ness1 or mix ( ! activities1 ( ! nonbank f9ancial company t ! ,c\ncil believes c\ld pose a ?reat to ! f9ancial /ability ( ! ,unit$ ,/ates1 includ+ an assessm5t by ! ,c\ncil ( ! probability & magnitude ( ! ?reat2 & 7iv7 an explanation ( actions ! nonbank f9ancial company c\ld take 9 ord] = ! ,c\ncil to resc9d ! det]m9ation4 7,c7 ,no f9al det]m9ation ,if ! ,c\ncil votes to resc9d a f9al det]m9ation "u subp>agraph 7,a77i7 or does n vote to r5ew a f9al det]m9ation "u subp>agraph 7,a77ii71 ! exi/+ f9al det]m9ation "u subsection 7a7 or 7b7 %all be resc9d$ & ! ,c\ncil %all in=m ! nonbank f9ancial company 9 writ+4 7,d7 ,explanation = c]ta9 companies ,) respect to a reevaluation "u ?is subsection 9 :i* ! f9al det]m9ation "u subsection 7a7 or 7b7 be+ reevaluat$ 0 made be=e ! date ( enactm5t ( ?is subp>agraph1 ! ,c\ncil1 z "p ( su* reevaluation1 %all provide a /atem5t t-- 7i7 expla9s ) specificity ! basis = su* det]m9ation2 & 7ii7 includes ! analysis requir$ "u subsection 7e77#b77;,c77i77,,iv74 7,e7 ,vot+ ?re%old = rescission ( det]m9ation ,not)/&+ subp>agraph 7,a71 ! ,c\ncil may1 at any "t1 on a nondelegable basis & by a vote ( n few] ?an #b_/c ( ! vot+ memb]s !n s]v+1 includ+ an affirmative vote by ! ,*airp]son1 det]m9e t a nonbank f9ancial company no long] meets ! crit]ia = a f9al det]m9ation "u subsection 7a7 or 7b71 9 :i* case ! ,c\ncil %all resc9d ! f9al det]m9ation4 7e7 ,requirem5ts = propos$ det]m9ation1 notice & opportunity = he>+1 & f9al det]m9ation 7#a7 ,9 g5]al ,prior to mak+ a f9al det]m9ation "u subsection 7a7 or 7b7 ) respect to a nonbank f9ancial company1 ! ,c\ncil mu/-- 7,a7 provide ! nonbank f9ancial company & its prim>y f9ancial regulatory ag5cy ) a notice t ! nonbank f9ancial company is be+ evaluat$1 :i* notice %all1 at m9imum-- 7i7 include any quantitative analysis us$ by ! ,c\ncil z "p ( its evaluation2 7ii7 id5tify ) specificity any factors t ! ,c\ncil has consid]$ pursuant to subsection 7a77#b7 or 7b77#b7 relat+ to ! nonbank f9ancial company t c\ld cause ! nonbank f9ancial company to be subject to a f9al det]m9ation "u subsection 7a7 or 7b72 & 7iii7 include an explanation ( h[ ea* factor id5tifi$ 9 clause 7ii7 relates to ! pot5tial ?reat pos$ by ! nonbank f9ancial company to ! f9ancial /ability ( ! ,unit$ ,/ates2 7,b7 provide ! nonbank f9ancial company an opportunity1 n e>li] ?an #cj days aft] ! date ( receipt by ! nonbank f9ancial company ( ! notice "u subp>agraph 7,a71 to meet ) repres5tatives ( ! ,c\ncil1 includ+ to discuss ! notice & any analysis & factors consid]$ by ! ,c\ncil2 7,c7 provide ! prim>y f9ancial regulatory ag5cy ( ! nonbank f9ancial company ) n less ?an #ahj days f ! date ( receipt ( ! notice 9 subp>agraph 7,a7 to-- 7i7 provide a writt5 response to ! ,c\ncil t includes an assessm5t (-- 7,i7 ! factors id5tifi$ pursuant to subp>agraph 7,a77ii72 7,,ii7 ! explanation provid$ pursuant to subp>agraph 7,a77iii72 & 7,,iii7 ! degree to :i* ! pot5tial ?reat to ! f9ancial /ability ( ! ,unit$ ,/ates is curr5tly address$ or c\ld be address$ by exi/+ or p5d+ regulation or o!r regulatory action2 & 7ii7 issue propos$ regulations or und]take o!r regulatory action to address-- 7,i7 ! factors id5tifi$ pursuant to subp>agraph 7,a77ii71 z applicable2 & 7,,ii7 ! pot5tial ?reat pos$ by ! nonbank f9ancial company to ! f9ancial /ability ( ! ,unit$ ,/ates2 7,d7 9 ! ev5t t ! prim>y f9ancial regulatory ag5cy has provid$ a writt5 response "u subp>agraph 7,c77i7 or issu$ propos$ regulations or tak5 o!r regulatory actions "u subp>agraph 7,c77ii71 f9d t-- 7i7 tak+ into acc\nt ! writt5 response by ! prim>y f9ancial regulatory ag5cy "u subp>agraph 7,c77i71 ! nonbank f9ancial company m]its a propos$ det]m9ation "u subp>agraph 7,e72 & 7ii7 ! prim>y f9ancial regulatory ag5cy has n propos$ regulations or tak5 o!r regulatory actions aft] receipt ( ! notice "u subp>agraph 7,a7 t suffici5tly address ! factors id5tifi$ pursuant to subp>agraph 7,a77ii71 z applicable1 & ! pot5tial ?reat pos$ by ! nonbank f9ancial company to ! f9ancial /ability ( ! ,unit$ ,/ates2 7,e7 aft] fulfill+ ! requirem5ts ( subp>agraphs 7,a71 7,b71 7,c71 & 7,d71 on a nondelegable basis & by a vote ( n few] ?an #b_/c ( ! vot+ memb]s !n s]v+1 includ+ an affirmative vote by ! ,*airp]son1 propose to make a det]m9ation "u subsection 7a7 or 7b7 ) respect to ! nonbank f9ancial company2 & 7,f7 subsequ5t to mak+ a propos$ det]m9ation "u subp>agraph 7,e7-- 7i7 provide a notice to ! nonbank f9ancial company & its prim>y f9ancial regulatory ag5cy1 :i* notice %all conta9 ! basis = ! propos$ det]m9ation "u subp>agraph 7,e71 includ+-- 7,i7 ! in=mation & explanation requir$ "u subp>agraph 7,a71 along ) any updates to su* in=mation or explanation relat$ to ! propos$ det]m9ation "u subp>agraph 7,e72 & 7,,ii7 an explanation & ju/ification = any f9d+ "u subp>agraph 7,d72 7ii7 n lat] ?an #cj days aft] ! date ( receipt ( any notice "u clause 7i71 provide ! nonbank f9ancial company ) an opportunity to reque/1 9 writ+1 a he>+ be=e ! ,c\ncil to conte/ ! propos$ det]m9ation "u subp>agraph 7,e72 7iii7 if ! ,c\ncil receives a timely reque/ "u clause 7ii71 fix a "t 7n e>li] ?an #cj days aft] ! date ( receipt ( ! reque/7 & place at :i* ! nonbank f9ancial company may appe>1 p]sonally or ?r\gh c\nsel1 to1 at ! discretion ( ! nonbank f9ancial company-- 7,i7 submit a plan to modify ! bus9ess1 /ructure1 or op]ations ( ! nonbank f9ancial company 9 ord] to address ! factors & ! pot5tial ?reat pos$ by ! nonbank f9ancial company to ! f9ancial /ability ( ! ,unit$ ,/ates id5tifi$ pursuant to clause 7i77,i71 z applicable2 7,,ii7 submit writt5 mat]ials 9 addition to or sep>ate f ! plan describ$ 9 subclause 7,i72 & 7,,iii7 provide oral te/imony & oral argum5t to ! memb]s ( ! ,c\ncil1 ) n few] ?an #b_/c ( ! vot+ memb]s ( ! ,c\ncil1 includ+ ! ,*airp]son1 9 att5dance2 & 7iv7 9 ! ev5t a plan is submitt$ to ! ,c\ncil "u clause 7iii77,i7-- 7,i7 consid] :e!r ! plan1 if implem5t$1 w\ld address ! factors & ! pot5tial ?reat pos$ by ! nonbank f9ancial company to ! f9ancial /ability ( ! ,unit$ ,/ates id5tifi$ pursuant to clause 7i77,i71 z applicable2 & 7,,ii7 provide ! nonbank f9ancial company )-- 7aa7 analysis ( :e!r & to :at ext5t ! plan addresses ! factors & ! pot5tial ?reat pos$ by ! nonbank f9ancial company to ! f9ancial /ability ( ! ,unit$ ,/ates id5tifi$ pursuant to clause 7i77,i71 z applicable2 7bb7 an opportunity to meet ) repres5tatives ( ! ,c\ncil to discuss ! analysis provid$ "u item 7aa72 & 7cc7 an opportunity to revise ! plan1 aft] discussions ) repres5tatives ( ! ,c\ncil4 7#b7 ,f9al det]m9ation 7,a7 ,9 g5]al ,aft] fulfill+ ! requirem5ts ( p>agraph 7#a71 & n lat] ?an #ij days aft] ! date on :i* a he>+ is held "u p>agraph 7#a77;,f77iii71 ! ,c\ncil may vote to make a f9al det]m9ation "u subsection 7a7 or 7b74 ,! ,c\ncil may delay ! vote up to #a additional ye> aft] ! conclusion ( ! #ij-;day p]iod if consid]+ a plan "u p>agraph 7#a77;,f77iv77,i74 7,b7 ,outcome ( ! vote ,if ! ,c\ncil votes on a f9al det]m9ation "u subsection 7a7 or 7b71 ! ,c\ncil %all promptly in=m ! nonbank f9ancial company ( ! outcome ( ! vote 9 writ+4 7,c7 ,notice ( f9al det]m9ation ,if ! ,c\ncil votes to make a f9al det]m9ation "u subsection 7a7 or 7b71 ! ,c\ncil %all1 n lat] ?an #cj days aft] ! date ( ! vote1 provide a notice to ! nonbank f9ancial company & its prim>y f9ancial regulatory ag5cy1 :i* notice %all conta9-- 7i7 ! basis = ! det]m9ation1 includ+-- 7,i7 a detail$ analysis ( any plan submitt$ by ! nonbank f9ancial company & consid]$ by ! ,c\ncil "u p>agraph 7#a77;,f71 if applicable1 :i* analysis %all1 at a m9imum1 include-- 7aa7 :e!r & to :at ext5t successful implem5tation ( ! plan c\ld address ! factors1 z applicable1 & ! pot5tial ?reat pos$ by ! nonbank f9ancial company to ! f9ancial /ability ( ! ,unit$ ,/ates id5tifi$ pursuant to p>agraph 7#a77;,f77i77,i72 & 7bb7 a detail$ explanation ( :y ! plan w\ld n address ! factors & ! pot5tial ?reat pos$ by ! nonbank f9ancial company to ! f9ancial /ability ( ! ,unit$ ,/ates id5tifi$ pursuant to p>agraph 7#a77;,f77i77,i71 if ! ,c\ncil1 dur+ its consid]ation ( ! plan "u subp>agraph 7#a77;,f77iv77,i71 conclud$ t ! plan w\ld n address su* factors or pot5tial ?reat2 7,,ii7 ! reasons :y ! mat]ials & o!r in=mation submitt$ or provid$ by ! nonbank f9ancial company "u subclauses 7,,ii7 & 7,,iii7 ( p>agraph 7#a77;,f77iii7 did n address ! pot5tial ?reat pos$ by ! nonbank f9ancial company to ! f9ancial /ability ( ! ,unit$ ,/ates2 7,,iii7 a ju/ification = any f9d+ "u p>agraph 7#a77;,d72 7,,iv7 a detail$ analysis ( h[ any factors1 includ+ an explanation ( h[ ea* factor relates to ! pot5tial ?reat pos$ by ! nonbank f9ancial company to ! f9ancial /ability ( ! ,unit$ ,/ates1 t ! ,c\ncil consid]$ pursuant to subsection 7a77#b7 or 7b77#b7 result$ 9 ! f9al det]m9ation "u subsection 7a7 or 7b72 & 7,v7 specific aspects ( ! bus9ess1 op]ations1 or /ructure ( ! nonbank f9ancial company1 includ+ ! nature1 scope1 size1 scale1 conc5tration1 int]connect$ness1 or mix ( ! activities ( ! nonbank f9ancial company1 t ! ,c\ncil believes c\ld pose a ?reat to ! f9ancial /ability ( ! ,unit$ ,/ates1 includ+ an assessm5t by ! ,c\ncil ( ! probability & magnitude ( ! ?reat2 & 7ii7 an explanation ( actions ! nonbank f9ancial company c\ld take 9 ord] = ! ,c\ncil to resc9d ! det]m9ation4 2 7#d7 9 subsection 7g71 by /rik+ be=e ! ,c\ncil makes any & ins]t+ f ! outset ( ! consid]ation ( ! nonbank f9ancial company by ! ,c\ncil1 includ+ be=e ! ,c\ncil makes any propos$ det]m9ation "u subsection 7e77#a77;,e7 or2 7#e7 9 subsection 7h7-- 7,a7 by ins]t+ or r5ews aft] makes2 & 7,b7 by /rik+ 7d77#b71 7e77#c71 or 7f77#e7 & ins]t+ 7d77#c77;,b7 or 7f77#e7 or ( r5ewal ( a f9al det]m9ation "u subsection 7e77#b77;,c72 & 7#f7 by add+ at ! end ! foll[+3 7j7 ,public disclosure requirem5t ,! ,c\ncil %all-- 7#a7 9 ea* case t a nonbank f9ancial company has receiv$ a notice "u subsection 7e77#a77;,a71 & ! nonbank f9ancial company has publicly disclos$ t ! nonbank f9ancial company is be+ review$ by ! ,c\ncil1 confirm t ! nonbank f9ancial company is be+ review$1 9 response to a reque/ f a ?ird p>ty2 7#b7 ^u mak+ a f9al det]m9ation "u subsection 7a7 or 7b7 or r5ew+ a f9al det]m9ation "u p>agraph 7#c77;,a7 ( subsection 7d71 publicly provide a detail$ writt5 explanation ( ! basis = ! f9al det]m9ation ) suffici5t detail to provide ! public ) an und]/&+ ( ! specific bases ( ! det]m9ation by ! ,c\ncil1 includ+ any assumptions relat$ !re(1 subject to ! requirem5ts ( section #aab7;d77#e72 7#c7 include1 9 ! annual report requir$ by section #aab-- 7,a7 ! numb] ( nonbank f9ancial companies f ! previ\s ye> t receiv$ a notice "u subsection 7e77#a77;,a72 7,b7 ! numb] ( nonbank f9ancial companies f ! previ\s ye> t 7 subject to a propos$ det]m9ation "u subsection 7e77#a77;,e72 & 7,c7 ! numb] ( nonbank f9ancial companies f ! previ\s ye> t 7 subject to a f9al det]m9ation "u subsection 7a7 or 7b72 & 7#d7 n e>li] ?an #ahj days aft] ! date ( enactm5t ( ?is subsection1 publi% 9 ! ,f$]al ,regi/] in=mation reg>d+ ! me?odology ! ,c\ncil uses = calculat+ any quantitative ?re%olds or o!r metrics us$ to consid] ! factors li/$ 9 subsection 7a77#b7 or 7b77#b74 4 #idc4 ,rule ( con/ruction ,none ( ! am5dm5ts made by ?is subtitle %all be con/ru$ z limit+ ! em]g5cy p[]s ( ! ,f9ancial ,/ability ,ov]sight ,c\ncil "u section #aac7;f7 ( ! ,f9ancial ,/ability ,act ( #bjaj 7#ab ,u4,s4,c4 #ecbc7;f774 ,d ,improv$ acc\ntability & transp>5cy 9 ! regulation ( insurance #iea4 ,s5se ( ,congress ,x is ! s5se ( ,congress t ! ,act ( ,m>* #i1 #aide 7commonly kn[n z ! ,mc,carran-,f]guson ,act2 #ei ,/at4 #cc1 *apt] #bj2 #ae ,u4,s4,c4 #ajaa et seq47 rema9s ! pref]r$ approa* ) respect to regulat+ ! bus9ess ( insurance4 #ieb4 ,ensur+ ! protection ( insurance policyhold]s 7a7 ,s\rce ( /r5g? ,section #ch;,a ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahcao-#a7 is am5d$-- 7#a7 by r$esignat+ subsections 7c71 7d71 & 7e7 z subsections 7d71 7e71 & 7f71 respectively2 & 7#b7 by ins]t+ aft] subsection 7b7 ! foll[+3 7c7 ,au?ority ( ,/ate insurance regulator 7#a7 ,9 g5]al ,! provisions ( section #e7;g7 ( ! ,bank ,hold+ ,company ,act ( #aief 7#ab ,u4,s4,c4 #ahdd7;g77 %all apply to a sav+s & loan hold+ company t is an insurance company1 an affiliate ( an insur$ depository in/itution t is an insurance company1 & to any o!r company t is an insurance company & t directly or indirectly controls an insur$ depository in/itution1 to ! same ext5t z ! provisions ( t section apply to a bank hold+ company t is an insurance company4 7#b7 ,rule ( con/ruction ,requir+ a bank hold+ company t is an insurance company1 a sav+s & loan hold+ company t is an insurance company1 an affiliate ( an insur$ depository in/itution t is an insurance company1 or any o!r company t is an insurance company & t directly or indirectly controls an insur$ depository in/itution to s]ve z a s\rce ( f9ancial /r5g? "u ?is section %all be deem$ an action ( ! ,bo>d t requires a bank hold+ company to provide funds or o!r assets to a subsidi>y depository in/itution = purposes ( section #e7;g7 ( ! ,bank ,hold+ ,company ,act ( #aief 7#ab ,u4,s4,c4 #ahdd7;g774 4 7b7 ,liquidation au?ority ,! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act 7#ab ,u4,s4,c4 #ecja et seq47 is am5d$-- 7#a7 9 section #bjc7;e77#c7 7#ab ,u4,s4,c4 #echc7;e77#c771 by ins]t+ or rehabilitation aft] ord]ly liquidation ea* place t t]m appe>s2 & 7#b7 9 section #bjd7;d77#d7 7#ab ,u4,s4,c4 #echd7;d77#d771 by ins]t+ be=e ! semicolon at ! end ! foll[+3 81 except t1 if ! cov]$ f9ancial company or cov]$ subsidi>y is an insurance company or a subsidi>y ( an insurance company1 ! ,corporation-- 7,a7 %all promptly notify ! ,/ate insurance au?ority = ! insurance company ( ! int5tion to take su* li52 & 7,b7 may only take su* li5-- 7i7 to secure repaym5t ( funds made available to su* cov]$ f9ancial company or cov]$ subsidi>y2 & 7ii7 if ! ,corporation det]m9es1 aft] consultation ) ! ,/ate insurance au?ority1 t su* li5 w n unduly imp$e or delay ! liquidation or rehabilitation ( ! insurance company1 or ! recov]y by its policyhold]s 4 #iec4 ,int]national insurance capital /&>ds acc\ntability 7a7 ,s5se ( ,congress ,x is ! s5se ( ,congress t-- 7#a7 ! ,secret>y ( ! ,treasury1 ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 & ! ,director ( ! ,f$]al ,insurance ,(fice %\ld support increas+ transp>5cy at any global insurance or int]national /&>d-sett+ regulatory or sup]visory =um 9 :i* !y p>ticipate1 includ+ support+ & advocat+ = great] public obs]v] access at any su* =um2 & 7#b7 to ! ext5t t ! ,secret>y ( ! ,treasury1 ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 & ! ,director ( ! ,f$]al ,insurance ,(fice take a position on an insurance proposal by a global insurance or int]national /&>d-sett+ regulatory or sup]visory =um1 ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em & ! ,director ( ! ,f$]al ,insurance ,(fice %\ld a*ieve cons5sus positions ) ,/ate insurance regulators :5 !y are p>ticipants repres5t+ ! ,unit$ ,/ates 9 negotiations on insurance issues be=e any int]national =um ( f9ancial regulators or sup]visors t consid]s insurance regulatory issues4 7b7 ,insurance policy advisory committee 7#a7 ,e/abli%m5t ,!re is e/abli%$ ! ,insurance ,policy ,advisory ,committee on ,int]national ,capital ,/&>ds & ,o!r ,insurance ,issues at ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em4 7#b7 ,memb]%ip ,! ,committee e/abli%$ "u p>agraph 7#a7 %all be compos$ ( n m ?an #ba memb]s1 all ( :om repres5t a div]se set ( exp]t p]spectives f ! v>i\s sectors ( ! ,unit$ ,/ates insurance indu/ry1 includ+ life insurance1 prop]ty & casualty insurance & re9surance1 ag5ts & brok]s1 academics1 consum] advocates1 or exp]ts on issues fac+ und]s]v$ insurance communities & consum]s4 7c7 ,reports 7#a7 ,reports & te/imony by secret>y ( ! treasury & *airman ( ! bo>d ( gov]nors ( ! f$]al res]ve sy/em 7,a7 ,9 g5]al ,! ,secret>y ( ! ,treasury & ! ,*airman ( ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 or _! designees1 %all submit an annual report & provide annual te/imony to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives on ! ef=ts ( ! ,secret>y ( ! ,treasury1 ! ,*airman ( ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 & ,/ate insurance regulators ) respect to global insurance or int]national /&>d-sett+ regulatory or sup]visory =ums1 includ+-- 7i7 a description ( ! insurance regulatory or sup]visory /&>d-sett+ issues "u discussion at any int]national insurance /&>d-sett+ bodies2 7ii7 a description ( ! effects t proposals discuss$ at int]national insurance regulatory or sup]visory =ums ( insurance c\ld h on consum] & insurance m>kets 9 ! ,unit$ ,/ates2 7iii7 a description ( any position tak5 by ! ,secret>y ( ! ,treasury1 ! ,*airman ( ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 & ! ,director ( ! ,f$]al ,insurance ,(fice 9 int]national insurance discussions2 & 7iv7 a description ( ! ef=ts by ! ,secret>y ( ! ,treasury1 ! ,director ( ! ,f$]al ,insurance ,(fice1 & ! ,*airman ( ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em to increase transp>5cy at any int]national /&>d-sett+ bodies ) :om !y p>ticipate1 includ+ ef=ts to provide additional public access to work+ gr\ps & committees ( su* int]national insurance /&>d-sett+ bodies4 7,b7 ,t]m9ation ,?is p>agraph %all cease to be effective on ,decemb] #ca1 #bjah4 7#b7 ,reports & te/imony by /ate insurance regulators ,a ,/ate insurance regulator may provide te/imony to ,congress on ! issues describ$ 9 p>agraph 7#a77;,a74 7#c7 ,jo9t report by ! *airman ( ! f$]al res]ve & ! director ( ! f$]al insurance (fice 7,a7 ,9 g5]al ,! ,secret>y ( ! ,treasury1 ! ,*airman ( ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 & ! ,director ( ! ,f$]al ,insurance ,(fice1 9 consultation ) ,/ate insurance regulators1 %all complete a /udy on1 & submit to ,congress a report on ! results ( ! /udy1 ! impact on consum]s & m>kets 9 ! ,unit$ ,/ates be=e support+ or cons5t+ to ! adoption ( any key elem5ts 9 any int]national insurance proposal or int]national insurance capital /&>d4 7,b7 ,notice & comm5t 7i7 ,notice ,! ,secret>y ( ! ,treasury1 ! ,*airman ( ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 & ! ,director ( ! ,f$]al ,insurance ,(fice %all provide notice be=e ! date on :i* draft+ ! report describ$ 9 subp>agraph 7,a7 is comm5c$ & aft] ! date on :i* ! draft ( ! report is complet$4 7ii7 ,opportunity = comm5t ,!re %all be an opportunity = public comm5t = a p]iod beg9n+ on ! date on :i* ! report is submitt$ "u subp>agraph 7,a7 & end+ on ! date t is #fj days aft] ! date on :i* ! report is submitt$4 7,c7 ,review by comptroll] g5]al ,! ,secret>y ( ! ,treasury1 ! ,*airman ( ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 & ! ,director ( ! ,f$]al ,insurance ,(fice %all submit to ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates ! report describ$ 9 subp>agraph 7,a7 = review4 7#d7 ,report on promot+ transp>5cy ,n lat] ?an #ahj days aft] ! date ( enactm5t ( ?is title1 ! ,*airman ( ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em & ! ,secret>y ( ! ,treasury1 or _! designees1 %all submit a report & provide te/imony to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives on ! ef=ts ( ! ,secret>y ( ! ,treasury & ! ,*airman ( ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em to improve transp>5cy at any int]national insurance /&>d-sett+ bodies 9 :i* !y p>ticipate4 ,e ,improv+ ! ,f$]al ,res]ve ,sy/em #ifa4 ,reports to ,congress ,section #b;,b ( ! ,f$]al ,res]ve ,act 7#ab ,u4,s4,c4 #bbe;b7 is am5d$ by /rik+ subsection 7b7 & ins]t+ ! foll[+3 7b7 ,qu>t]ly reports to ,congress 7#a7 ,9 g5]al ,! ,f$]al ,op5 ,m>ket ,committee %all1 on a qu>t]ly basis1 & 9 su* a mann] t #a report is submitt$ concurr5tly ) ea* semi-annual he>+ requir$ by subsection 7a71 submit to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives a report expla9+ ! policy decisions ( ! ,committee ov] ! prior qu>t] & ! basis = ^? decisions4 7#b7 ,cont5ts ,! report describ$ 9 p>agraph 7#a7 %all include-- 7,a7 a detail$ analysis ( ! conduct ( monet>y policy & economic developm5ts & prospects = ! future1 tak+ into acc\nt pa/ & prospective developm5ts 9-- 7i7 employm5t2 7ii7 unemploym5t2 7iii7 production2 7iv7 inve/m5t2 7v7 real income2 7vi7 productivity2 7vii7 ex*ange rates2 7viii7 int]national trade & paym5ts2 7ix7 prices2 7x7 inflation expectations2 7xi7 cr$it conditions2 & 7xii7 int]e/ rates2 7,b7 a description ( any monet>y policy rule or rules us$ or consid]$ by ! ,committee t provides or provide ! basis = monet>y policy decisions1 includ+ %ort-t]m int]e/ rate t>gets set by ! ,committee1 op5 m>ket op]ations au?oriz$ "u section #ad1 & int]e/ rates e/abli%$ by ! ,committee pursuant to section #ai7;b77#ab71 & su* description %all include1 at a m9imum1 = ea* rule1 a ma!matical =mula t models h[ monet>y policy in/rum5ts w be adju/$ bas$ on *anges 9 quantitative inputs2 7,c7 a description ( any additional /rategy or /rategies1 if any su* exi/1 us$ by ! ,committee1 sep>ate f or supplem5t>y to any rule or rules describ$ 9 subp>agraph 7,b71 to affect monet>y policy2 7,d7 a detail$ explanation (-- 7i7 any deviation 9 ! rule or rules describ$ 9 subp>agraph 7,b7 9 ! curr5t report f any rule or rules describ$ 9 subp>agraph 7,b7 9 ! mo/ rec5t qu>t]ly report2 & 7ii7 any deviation 9 ! /rategy or /rategies describ$ 9 subp>agraph 7,c7 9 ! curr5t report f any /rategy or /rategies describ$ 9 subp>agraph 7,c7 9 ! mo/ rec5t qu>t]ly report2 7,e7 a description ( any in/rum5ts us$ to execute monet>y policy by employees ( ! ,f$]al ,res]ve ,sy/em at ! direction ( ! ,committee1 & h[ su* in/rum5ts h be5 us$2 7,f7 a description ( ! outlook = monet>y policy ov] ! %ort t]m1 m$ium t]m1 & long t]m2 & 7,g7 projections ( inflation & economic gr[? ov] ! %ort t]m1 m$ium t]m1 & long t]m4 7#c7 ,diss5t ,a memb] ( ! ,committee describ$ 9 section #ab;,a7a7 may-- 7,a7 diss5t f ! report submitt$ "u p>agraph 7#a7 9 :ole or 9 "p2 7,b7 write a diss5t express+ ! views ( ! memb]1 :i* %all be includ$ z "p ( ! report submitt$ to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives2 & 7,c7 sign a diss5t writt5 by ano!r memb] ( ! ,committee to express support = views conta9$ 9 su* diss5t4 4 #ifb4 ,te/imony2 votes2 /aff 7a7 ,te/imony2 votes ,section #aj ( ! ,f$]al ,res]ve ,act is am5d$-- 7#a7 9 p>agraph 7#aa71 z r$esignat$ by section #iii;,f7v7 ( ?is title1 by ins]t+ at ! end ! foll[+3 ,9 ! ev5t t no memb] ( ! ,bo>d is s]v+ z ,vice ,*airman = ,sup]vision at ! "t su* appe>ance is requir$1 ! ,*airman ( ! ,bo>d ( ,gov]nors %all appe> be=e ea* ,committee 9 ! place ( ! ,vice ,*airman = ,sup]vision42 & 7#b7 by add+ at ! end ! foll[+3 7#ab7 7,a7 ,! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em %all1 on a nondelegable basis1 vote on :e!r to issue any civil money p5alty assessm5t ord] or settle any o!r en=cem5t action if ! issuance ( su* ord] or settlem5t ( su* action involves ! paym5t ( n less ?an #a1jjj1jjj 9 comp5sation1 p5alties1 f9es1 or o!r paym5ts4 7,b7 ,! results ( ! vote ( ea* memb] ( ! ,bo>d "u subp>agraph 7,a7 %all promptly be made publicly available on ! website ( ! ,bo>d4 4 7b7 ,delegation ( au?orities2 /aff ,section #aa ( ! ,f$]al ,res]ve ,act 7#ab ,u4,s4,c4 #bdh7 is am5d$-- 7#a7 9 subsection 7k71 by ins]t+ & except z o!rwise provid$ 9 section #aj7ab77;,a71 aft] cr$it policies12 & 7#b7 9 subsection 7l71 by ins]t+ 8,( am\nts made available = employees ( ! ,bo>d ( ,gov]nors "u ?is subsection1 ea* memb] ( ! ,bo>d ( ,gov]nors may employ n m ?an #d individuals1 ) su* individuals select$ by su* memb] & ! sal>ies ( su* individuals set by su* memb]4'' aft] ! p]iod at ! end4 #ifc4 ,transp>5cy at ! ,f$]al ,op5 ,m>ket ,committee ,section #ab;,a ( ! ,f$]al ,res]ve ,act 7#ab ,u4,s4,c4 #bfc7 is am5d$ by add+ at ! end ! foll[+3 7d7 ,n lat] ?an #c ye>s aft] ! date on :i* a meet+ ( ! ,committee is held1 ! ,committee %all publi% ! transcript ( ! meet+4 4 #ifd4 ,int]e/ rates on balances ma9ta9$ at a ,f$]al ,res]ve bank by depository in/itutions ,section #ai7;b77#ab77;,a7 ( ! ,f$]al ,res]ve ,act 7#ab ,u4,s4,c4 #dfa7;b77#ab77;,a77 is am5d$ by ins]t+ e/abli%$ by ! ,f$]al ,op5 ,m>ket ,committee aft] rate or rates4 #ife4 ,commission = re/ructur+ ! ,f$]al ,res]ve ,sy/em 7a7 ,e/abli%m5t ,!re is e/abli%$ an indep5d5t commission to be kn[n z ! ,f$]al ,res]ve ,sy/em ,re/ructur+ ,commission 7ref]r$ to 9 ?is section z ! ,commission74 7b7 ,memb]%ip 7#a7 ,9 g5]al ,! ,commission %all be compos$ ( #g memb]s z foll[s3 7,a7 #b memb]s appo9t$ by ! ,speak] ( ! ,h\se ( ,repres5tatives4 7,b7 #b memb]s appo9t$ by ! majority lead] ( ! ,s5ate4 7,c7 #a memb] appo9t$ by ! m9ority lead] ( ! ,h\se ( ,repres5tatives4 7,d7 #a memb] appo9t$ by ! m9ority lead] ( ! ,s5ate4 7,e7 #a memb] appo9t$ by ! ,presid5t4 7#b7 ,*airman ,once ! memb]s ( ! ,commission h be5 appo9t$1 ! memb]s %all designate #a ( ! memb]s to be ,*airman ( ! ,commission4 7#c7 ,vacancies ,any vacancy 9 ! ,commission %all be fill$ 9 ! same mann] z ! orig9al appo9tm5t4 7c7 ,duties 7#a7 ,/udy 7,a7 ,9 g5]al ,! ,commission %all conduct a /udy on :e!r x is appropriate to re/ructure ! ,f$]al ,res]ve di/ricts1 includ+ an analysis on pot5tial b5efits & co/s ( re/ructur+4 7,b7 ,consid]ations ,9 det]m9+ :e!r su* re/ructur+ is appropriate1 ! ,commission %all specifically consid] ! impact ( re/ructur+ ) respect to-- 7i7 maximiz+ op]ational effectiv5ess )9 ! ,f$]al ,res]ve ,sy/em :ile m9imiz+ op]ational co/s2 7ii7 maximiz+ ! effectiv5ess ( sup]visory & regulatory functions :ile m9imiz+ pot5tial = regulatory capture2 & 7iii7 monet>y policy decision-mak+4 7,c7 ,proposals ,! ,commission %all-- 7i7 consid] v>i\s proposals to re/ructure ! exi/+ ,f$]al ,res]ve di/ricts1 includ+ proposals to-- 7,i7 increase ! numb] ( exi/+ ,f$]al ,res]ve di/ricts1 includ+ a proposal to divide ! ,f$]al ,res]ve di/rict 9 :i* ! ,f$]al ,res]ve ,bank ( ,san ,francisco is conta9$ into #b or m sep>ate di/ricts :ile reta9+ ! exi/+ /ructure = ! rema9+ ,f$]al ,res]ve di/ricts2 7,,ii7 decrease ! numb] ( exi/+ ,f$]al ,res]ve di/ricts2 7,,iii7 re/ructure ! exi/+ ,f$]al ,res]ve di/ricts )\t increas+ or decreas+ ! numb] ( exi/+ ,f$]al ,res]ve di/ricts2 & 7,,iv7 reassign specific functions & duties1 includ+ sup]visory & regulatory functions1 to diff]5t ,f$]al ,res]ve banks )9 ! ,f$]al ,res]ve ,sy/em1 includ+ functions & duties p]=m$ by ! ,bo>d2 & 7ii7 det]m9e :i* ( ! proposals consid]$ "u clause 7i7 are ! optimal approa*es to re/ructur+ ! exi/+ ,f$]al ,res]ve di/ricts pursuant to subclauses 7,i71 7,,ii71 7,,iii71 & 7,,iv7 ( clause 7i74 7#b7 ,recomm5dation ,! ,commission %all1 bas$ on ! proposals consid]$ "u p>agraph 7#a77;,c71 develop a recomm5dation on ! optimal organization ( ! ,f$]al ,res]ve ,sy/em t-- 7,a7 maximizes-- 7i7 ! op]ational effectiv5ess )9 ! ,f$]al ,res]ve ,sy/em :ile m9imiz+ op]ational co/s2 & 7ii7 ! effectiv5ess ( sup]visory & regulatory functions :ile m9imiz+ pot5tial = regulatory capture2 & 7,b7 takes into acc\nt ! impact ( re/ructur+ on monet>y policy decision-mak+4 7#c7 ,report ,n lat] ?an #ah mon?s aft] ! date ( enactm5t ( ?is title1 ! ,commission %all submit to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives1 & also furni% copies to ! ,presid5t & ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 a report t includes-- 7,a7 ! recomm5dation describ$ 9 p>agraph 7#b72 7,b7 a description ( ! proposals consid]$ "u p>agraph 7#a77;,c77i72 7,c7 a description ( ! proposals det]m9$ to be optimal "u p>agraph 7#a77;,c77ii72 7,d7 an analysis ( ! b5efits & co/s ( ea* ( ! proposals describ$ 9 subp>agraph 7,b71 includ+1 ) respect to ea* proposal1 an analysis (-- 7i7 ! op]ational b5efits & co/s to ! ,f$]al ,res]ve ,sy/em2 7ii7 ! impact on sup]vision ( f9ancial in/itutions & nonbank f9ancial in/itutions sup]vis$ by ! ,f$]al ,res]ve banks2 & 7iii7 ! impact on monet>y policy decision-mak+2 7,e7 an analysis (-- 7i7 any specific b5efits & co/s result+ f ! increase 9 total numb] ( ,f$]al ,res]ve di/ricts2 & 7ii7 any specific b5efits & co/s result+ f ! decrease 9 total numb] ( ,f$]al ,res]ve di/ricts1 includ+ an evaluation ( sav+s to ! ,f$]al ,res]ve ,sy/em ?r\gh /reaml9+ & elim9ation ( duplicat$ functions2 7,f7 a det]m9ation (-- 7i7 :e!r ! b5efits ( re/ructur+ ! exi/+ ,f$]al ,res]ve di/ricts )\t increas+ or decreas+ ! numb] ( exi/+ ,f$]al ,res]ve di/ricts outweigh ! co/s2 7ii7 :e!r ! b5efits ( increas+ or decreas+ ! numb] ( exi/+ ,f$]al ,res]ve di/ricts outweigh ! co/s2 7iii7 :e!r ! b5efits ( reassign+ functions & duties to diff]5t ,f$]al ,res]ve banks )9 ! ,f$]al ,res]ve ,sy/em outweigh ! co/s2 & 7iv7 ! optimal numb] ( ,f$]al ,res]ve di/ricts 9 ord] = ! ,f$]al ,res]ve ,sy/em to fulfill its /atutory role 9 ! mo/ effici5t & co/-effective mann]2 & 7,g7 a description ( ! me?odology us$ by ! ,commission to rea* ! conclusions = ! report4 7d7 ,p[]s ( ! commission ,! ,commission may lease space & acquire p]sonal prop]ty to ! ext5t funds are available4 7e7 ,commission p]sonnel matt]s 7#a7 ,comp5sation ( memb]s 7,a7 ,9 g5]al ,except z provid$ 9 subp>agraph 7,b71 ea* memb] ( ! ,commission :o is n an (fic] or employee ( ! ,f$]al ,gov]nm5t %all be comp5sat$ at a rate equal to ! daily equival5t ( ! annual rate ( basic pay prescrib$ = level ,,iv ( ! ,executive ,s*$ule "u section #ecae ( title #e1 ,unit$ ,/ates ,code1 = ea* day 7includ+ travel "t7 dur+ :i* su* memb] is engag$ 9 ! p]=mance ( ! duties ( ! ,commission4 ,all memb]s ( ! ,commission :o are (fic]s or employees ( ! ,unit$ ,/ates %all s]ve )\t comp5sation 9 addition to t receiv$ = _! s]vices z (fic]s or employees ( ! ,unit$ ,/ates4 7,b7 ,comp5sation ( *airman ,! ,*airman ( ! ,commission %all be comp5sat$ at a rate equal to ! daily equival5t ( ! m9imum annual rate ( basic pay payable = level ,,iii ( ! ,executive ,s*$ule "u section #ecad1 ( title #e1 ,unit$ ,/ates ,code4 7#b7 ,travel exp5ses ,! memb]s ( ! ,commission %all be all[$ travel exp5ses1 includ+ p] diem 9 lieu ( subsi/5ce1 at rates au?oriz$ = employees ( ag5cies "u sub*apt] ,i ( *apt] #eg ( title #e1 ,unit$ ,/ates ,code1 :ile away f _! homes or regul> places ( bus9ess 9 ! p]=mance ( s]vices = ! ,commission4 7#c7 ,director & /aff 7,a7 ,director ( /aff ,! ,commission %all appo9t a ,director1 :o %all be paid at ! rate ( basic pay payable = level ,,iv ( ! ,executive ,s*$ule "u section #ecae ( title #e1 ,unit$ ,/ates ,code4 7,b7 ,/aff 7i7 ,9 g5]al ,subject to clauses 7ii7 & 7iii71 ! ,director1 ) ! approval ( ! ,commission1 may appo9t & fix ! pay ( additional p]sonnel4 7ii7 ,applicability ,! ,director may make su* appo9tm5ts )\t reg>d to ! provisions ( title #e1 ,unit$ ,/ates ,code1 gov]n+ appo9tm5ts 9 ! competitive s]vice1 & any p]sonnel s appo9t$ may be paid )\t reg>d to ! provisions ( *apt] #ea & sub*apt] ,,iii ( *apt] #ec ( t title relat+ to classification & ,g5]al ,s*$ule pay rates1 except t an individual s appo9t$ may n receive pay 9 excess ( ! annual rate ( basic pay prescrib$ = level ,v ( ! ,executive ,s*$ule "u section #ecaf ( t title4 7iii7 ,detail ( gov]nm5t employees 7,i7 ,9 g5]al ,^u reque/ ( ! ,director1 ! head ( any ,f$]al dep>tm5t or ag5cy1 includ+ ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates1 may detail any ( ! p]sonnel ( t dep>tm5t or ag5cy to ! ,commission to assi/ ! ,commission 9 c>ry+ out its duties "u ?is section4 7,,ii7 ,limitations 7aa7 ,detail ( employees f f$]al res]ve sy/em ,n m ?an #a_/e ( ! p]sonnel employ$ by or detail$ to ! ,commission may be on detail f ! ,f$]al ,res]ve ,sy/em4 7bb7 ,detail ( employees f o!r f$]al ag5cies ,n m ?an #a_/e ( ! p]sonnel employ$ by or detail$ to ! ,commission may be on detail f any ,f$]al dep>tm5t or ag5cy o!r ?an ! ,f$]al ,res]ve ,sy/em4 7iv7 ,exp]ts & consultants ,! ,commission may procure by contract ! tempor>y or int]mitt5t s]vices ( exp]ts or consultants pursuant to section #caji7;b7 ( title #e1 ,unit$ ,/ates ,code1 at rates = individuals :i* d n to exce$ ! daily equival5t ( ! annual rate ( basic pay = a comp>able position paid "u ! ,g5]al ,s*$ule4 7,c7 ,rule ( con/ruction ,any individual employ$ by ! ,commission "u ?is p>agraph1 includ+ any exp]t or consultant "u contract pursuant to subp>agraph 7,b77iv71 %all be consid]$ /aff = ! duration ( su* employm5t ( su* individual = ! purposes ( ?is section4 7f7 ,prohibition aga9/ re/rict+ communications ,no p]son may re/rict an employee ( ! ,f$]al ,res]ve ,sy/em f communicat+ ) a memb] or /aff ( ! ,commission1 & no p]son may take 7or ?reat5 to take7 an unfavorable p]sonnel action1 or )hold 7or ?reat5 to )hold7 a favorable p]sonnel action1 z a reprisal = su* communication4 7g7 ,confid5tial in=mation ,no memb] or /aff ( ! ,commission %all reque/1 ei!r 9 writ+ or v]bally1 t any employee ( ! ,f$]al ,res]ve ,sy/em provide-- 7#a7 nonpublic in=mation or docum5ts conc]n+ or relat$ to monet>y policy delib]ations2 or 7#b7 confid5tial sup]visory in=mation4 7h7 ,disclosure ( nonpublic in=mation ,any memb] or /aff ( ! ,commission t obta9s nonpublic in=mation f ! ,f$]al ,res]ve ,sy/em or any employee ( ! ,f$]al ,res]ve ,sy/em %all ma9ta9 ! confid5tiality ( su* in=mation4 7i7 ,audit 7#a7 ,9 g5]al ,! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all annually audit ! f9ancial transactions ( ! ,commission 9 accordance ) ! ,unit$ ,/ates g5]ally accept$ gov]nm5t audit+ /&>ds1 z may be prescrib$ by ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates4 7#b7 ,location ( audit ,an audit "u p>agraph 7#a7 %all be conduct$ at any place :]e acc\nts ( ! ,commission are normally kept4 7#c7 ,access 7,a7 ,9 g5]al ,! repres5tatives ( ! ,gov]nm5t ,acc\ntability ,(fice %all h access1 9 accordance ) section #gaf7;c7 ( title #ca1 ,unit$ ,/ates ,code1 to-- 7i7 ! ,*airman ( ! ,commission1 memb]s ( ! ,commission1 & /aff ( ! ,commission2 & 7ii7 all books1 acc\nts1 docum5ts1 pap]s1 records 7includ+ electronic records71 reports1 files1 prop]ty1 or o!r in=mation belong+ to or "u ! control ( or us$ or employ$ by ! ,commission p]ta9+ to its f9ancial transactions & necess>y to facilitate ! audit4 7,b7 ,v]ification ( transactions ,repres5tatives ( ! ,gov]nm5t ,acc\ntability ,(fice %all be af=d$ full facilities = v]ify+ transactions ) ! balances or securities held by depositories1 fiscal ag5ts1 & cu/odians4 7#d7 ,cu/ody ( docum5ts & prop]ty ,all books1 acc\nts1 docum5ts1 pap]s1 records1 reports1 files1 prop]ty1 or o!r in=mation describ$ 9 p>agraph 7#c77;,a77ii7 %all rema9 9 possession & cu/ody ( ! ,commission4 7#e7 ,copies ,! ,comptroll] ,g5]al ( ! ,unit$ ,/ates may make copies ( any books1 acc\nts1 docum5ts1 pap]s1 records1 reports1 files1 prop]ty1 or o!r in=mation describ$ 9 p>agraph 7#c77;,a77ii7 )\t co/ to ! ,comptroll] ,g5]al4 7#f7 ,s]vices ,9 conduct+ an audit "u ?is subsection1 ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates may employ by contract1 )\t reg>d to section #cgji ( ! ,revis$ ,/atutes 7#da ,u4,s4,c4 #faja71 pr(essional s]vices ( firms & organizations ( c]tifi$ public acc\ntants = tempor>y p]iods or = special purposes4 7#g7 ,reimbursem5t 7,a7 ,9 g5]al ,^u ! reque/ ( ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates1 ! ,*airman ( ! ,commission %all transf] to ! ,gov]nm5t ,acc\ntability ,(fice f funds made available to ! ,commission ! am\nt reque/$ by ! ,comptroll] ,g5]al to cov] ! full co/s ( any audit & report conduct$ by ! ,comptroll] ,g5]al4 7,b7 ,cr$it ,! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all cr$it funds transf]r$ "u subp>agraph 7,a7 to ! acc\nt e/abli%$ = sal>ies & exp5ses ( ! ,gov]nm5t ,acc\ntability ,(fice1 & su* am\nt %all be available ^u receipt & )\t fiscal ye> limitation to cov] ! full co/s ( ! audit & report4 7#h7 ,report ,! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all submit to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives1 & also furni% copies to ! ,presid5t & ! ,commission1 a report ( ea* annual audit conduct$ "u ?is subsection1 includ+-- 7,a7 ! scope ( ! audit2 7,b7 ! /atem5t ( assets & liabilities & surplus or deficit2 7,c7 ! /atem5t ( income & exp5ses2 7,d7 ! /atem5t ( s\rces & application ( funds2 7,e7 su* comm5ts & in=mation z ! ,comptroll] ,g5]al det]m9es is necess>y to in=m ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives ( ! f9ancial op]ations & condition ( ! ,commission2 & 7,f7 su* recomm5dations t ! ,comptroll] ,g5]al may deem advisable4 7j7 ,t]m9ation ,! ,commission %all t]m9ate n lat] ?an on ,decemb] #ca1 #bjbj4 7k7 ,fund+ 7#a7 ,9 g5]al ,beg9n+ on ! fir/ qu>t] ( ! fiscal ye> aft] ! date on :i* ! ,commission is e/abli%$1 & 9 ea* qu>t] ( a fiscal ye> !reaft]1 ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em %all transf] to ! ,commission1 f ! comb9$ e>n+s ( ! ,f$]al ,res]ve ,sy/em1 ! am\nt det]m9$ by ! ,*airman ( ! ,commission to be reasonably necess>y to c>ry out ! au?orities ( ! ,commission pursuant to ?is section1 tak+ into acc\nt su* o!r sums made available to ! ,commission 9 prec$+ qu>t]s1 to be available )\t fiscal ye> limitation & n subject to appropriation4 7#b7 ,reviewability ,not)/&+ any o!r provision 9 ?is section1 ! funds d]iv$ f ! ,f$]al ,res]ve ,sy/em pursuant to ?is subsection %all n be subject to review by ! ,committee on ,appropriations ( ! ,s5ate or ! ,committee on ,appropriations ( ! ,h\se ( ,repres5tatives4 7l7 ,f$]al res]ve di/ricts ,! fir/ undesignat$ p>agraph ( section #b ( ! ,f$]al ,res]ve ,act 7#ch ,/at4 #bea1 *apt] #f7 is am5d$ by ins]t+ 1 except z o!rwise provid$ "u section #ife ( ! ,f9ancial ,regulatory ,improvem5t ,act ( #bjae aft] organiz$4 #iff4 ,,gao /udy on sup]vision 7a7 ,9 g5]al ,! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all conduct a /udy on ! effectiv5ess ( sup]vision by ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em & ea* ,f$]al ,res]ve bank (-- 7#a7 bank hold+ companies subject to ! requirem5ts ( section #afe ( ! ,f9ancial ,/ability ,act ( #bjaj 7#ab ,u4,s4,c4 #ecfe7 on ! date ( enactm5t ( ?is title2 & 7#b7 nonbank f9ancial companies subject to a det]m9ation "u subsection 7a7 or 7b7 ( section #aac ( ! ,f9ancial ,/ability ,act ( #bjaj 7#ab ,u4,s4,c4 #ecbc74 7b7 ,report ,n lat] ?an #ah mon?s aft] ! date ( enactm5t ( ?is title1 ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all submit to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives a report bas$ on ! /udy requir$ "u subsection 7a7 t includes-- 7#a7 an analysis (-- 7,a7 ! effectiv5ess ( ! delegation ( functions by ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em 9 accordance ) section #aa7k7 ( ! ,f$]al ,res]ve ,act 7#ab ,u4,s4,c4 #bdh7k772 7,b7 ! effectiv5ess ( sup]vision delegat$ to ea* ,f$]al ,res]ve bank by ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 includ+ :e!r & h[ ! relation%ips betwe5 ea* ,f$]al ,res]ve bank & ! in/itutions t ea* ,f$]al ,res]ve bank sup]vises impact ! effectiv5ess ( sup]vision2 7,c7 ! propriety ( ! relation%ip betwe5 ea* ,f$]al ,res]ve bank & ! in/itutions t ea* ,f$]al ,res]ve bank sup]vises1 includ+ any pot5tial conflicts ( int]e/1 & :e!r & h[ su* relation%ips impact ! effectiv5ess ( sup]vision2 7,d7 ! role play$ by ! ,l>ge ,in/itution ,sup]vision ,coord9at+ ,committee ( ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 ! int]actions betwe5 ! ,committee & ! ,f$]al ,res]ve banks1 & ! effectiv5ess ( ! ,committee2 & 7,e7 any o!r factors t c\ld negatively influ5ce ! effectiv5ess ( sup]vision by any ,f$]al ,res]ve bank or ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em2 7#b7 an evaluation ( :e!r additional /eps %\ld be tak5 by ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 ea* ,f$]al ,res]ve bank1 or ,congress to improve ! effectiv5ess ( sup]vision at ea* ,f$]al ,res]ve bank & ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em2 & 7#c7 recomm5dations to improve ! effectiv5ess ( sup]vision at ea* ,f$]al ,res]ve bank & ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em4 7c7 ,evaluation ,z "p ( ! /udy requir$ "u subsection 7a71 ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all sep>ately evaluate ! effectiv5ess ( sup]vision at ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em & at ea* ,f$]al ,res]ve bank4 #ifg4 ,f$]al ,res]ve /udy on nonbank sup]vision 7a7 ,9 g5]al ,n lat] ?an #ahj days aft] ! date ( enactm5t ( ?is title1 & n less ?an once e #b ye>s !reaft]1 ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em %all submit to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives a report reg>d+ h[ ! ,bo>d plans to sup]vise & regulate nonbank f9ancial companies subject to a det]m9ation "u subsection 7a7 or 7b7 ( section #aac ( ! ,f9ancial ,/ability ,act ( #bjaj 7#ab ,u4,s4,c4 #ecbc7 t includes1 ) respect to nonbank f9ancial companies-- 7#a7 a specific sup]visory & regulatory framework1 diff]5tiat+ among nonbank f9ancial companies on an individual basis or by category1 tak+ into consid]ation ! capital /ructure1 risk9ess1 complexity 7includ+ ! f9ancial activities ( any subsidi>ies71 size1 & any o!r risk-relat$ factors t ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em det]m9es is appropriate2 7#b7 an assessm5t ( ! relevant exp]i5ce & exp]tise ( /aff ( ! ,f$]al ,res]ve ,sy/em assign$ to su* sup]vision & regulation2 7#c7 a description (-- 7,a7 ! me?od = evaluat+ safety & s\ndness2 7,b7 ! frequ5cy ( exam9ations2 7,c7 ! crit]ia t w be exam9$2 & 7,d7 coord9ation ) ,f$]al & ,/ate regulators1 includ+ ef=ts to m9imize duplicative sup]vision & regulation1 if appropriate2 & 7#d7 an explanation ( h[ ! approa* to sup]vision & regulation ( nonbank f9ancial companies diff]s f sup]vision & regulation ( bank hold+ companies & memb] banks4 7b7 ,sunset ,?is section %all t]m9ate on ! date t is #aj ye>s aft] ! date ( enactm5t ( ?is title4 #ifh4 ,f$]al ,res]ve bank gov]nance 7a7 ,9 g5]al ,section #d ( ! ,f$]al ,res]ve ,act is am5d$-- 7#a7 9 p>agraph 7#d7 7#ab ,u4,s4,c4 #cda7-- 7,a7 by /rik+ p[]-- & ins]t+ p[]1 except z provid$ 9 p>agraph 7#be7--2 & 7,b7 by ins]t+ except t ! fir/ vice presid5t ( ! ,f$]al ,res]ve ,bank ( ,new ,york %all be appo9t$ by ! ,class ,b & ,class ,c directors ( ! bank1 ) ! approval ( ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 = a t]m ( #e ye>s1 aft] z ! presid5t12 & 7#b7 by add+ at ! end ! foll[+3 7#be7 ,selection ( ! ,presid5t ( ! ,f$]al ,res]ve ,bank ( ,new ,york ,not)/&+ any o!r provision ( ?is section1 ! presid5t ( ! ,f$]al ,res]ve ,bank ( ,new ,york %all be appo9t$ by ! ,presid5t1 by & ) ! advice & cons5t ( ! ,s5ate1 = t]ms ( #e ye>s4 7#bf7 ,te/imony ,! presid5t ( ! ,f$]al ,res]ve ,bank ( ,new ,york1 on an annual basis1 %all provide te/imony to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives4 4 7b7 ,effective date ,! am5dm5ts made by subsection 7a7 %all take effect on ! date ( enactm5t ( ?is title & apply to appo9tm5ts = ! presid5t ( ! ,f$]al ,res]ve ,bank ( ,new ,york made on & aft] t effective date4 ,f ,improv$ access to capital & tailor$ regulation 9 ! f9ancial m>kets #iga4 ,hold+ company regi/ration ?re%old equalization ,! ,securities ,ex*ange ,act ( #aicd 7#ae ,u4,s4,c4 #gh;a et seq47 is am5d$-- 7#a7 9 section #ab7;g7 7#ae ,u4,s4,c4 #ghl7g77-- 7,a7 9 p>agraph 7#a77;,b71 by ins]t+ 1 a sav+s & loan hold+ company 7z def9$ 9 section #aj7;a7 ( ! ,home ,own]s' ,loan ,act 7#ab ,u4,s4,c4 #adfg;a7a7771 aft] is a bank2 & 7,b7 9 p>agraph 7#d71 by ins]t+ 1 a sav+s & loan hold+ company 7z def9$ 9 section #aj7;a7 ( ! ,home ,own]s' ,loan ,act 7#ab ,u4,s4,c4 #adfg;a7a7771 aft] case ( a bank2 & 7#b7 9 section #ae7;d77#a7 7#ae ,u4,s4,c4 #gho7d77#a771 by /rik+ case ( bank & ins]t+ case ( a bank1 a sav+s & loan hold+ company 7z def9$ 9 section #aj7;a7 ( ! ,home ,own]s' ,loan ,act 7#ab ,u4,s4,c4 #adfg;a7a77714 #igb4 ,increas$ ?re%old = disclosures relat+ to comp5satory b5efit plans ,n lat] ?an #fj days aft] ! date ( enactm5t ( ?is title1 ! ,securities & ,ex*ange ,commission %all revise section #bcj4gja7;e7 ( title #ag1 ,code ( ,f$]al ,regulations1 to increase f #e1jjj1jjj to #aj1jjj1jjj ! aggregate sales price or am\nt ( securities sold dur+ any consecutive #ab-mon? p]iod 9 excess ( :i* ! issu] is requir$ "u su* section to deliv] an additional disclosure to inve/ors4 ,! ,securities & ,ex*ange ,commission %all index = inflation su* aggregate sales price or am\nt e #e ye>s to reflect ! *ange 9 ! ,consum] ,price ,index = ,all ,urban ,consum]s publi%$ by ! ,bureau ( ,labor ,/ati/ics1 r\nd+ to ! ne>e/ #a1jjj1jjj4 #igc4 ,repeal ( indemnification requirem5ts 7a7 ,d]ivatives cle>+ organizations ,section #e;b7k77#e7 ( ! ,commodity ,ex*ange ,act 7#g ,u4,s4,c4 #g;a-#a7k77#e77 is am5d$ to read z foll[s3 7#e7 ,confid5tiality agreem5t ,be=e ! ,commission may %>e in=mation ) any entity describ$ 9 p>agraph 7#d71 ! ,commission %all receive a writt5 agreem5t f ea* entity /at+ t ! entity %all abide by ! confid5tiality requirem5ts describ$ 9 section #h relat+ to ! in=mation on swap transactions t is provid$4 4 7b7 ,swap data repositories ,section #ba7;d7 ( ! ,commodity ,ex*ange ,act 7#g ,u4,s4,c4 #bd;a7d77 is am5d$ to read z foll[s3 7d7 ,confid5tiality agreem5t ,be=e ! swap data repository may %>e in=mation ) any entity describ$ 9 subsection 7c77#g71 ! swap data repository %all receive a writt5 agreem5t f ea* entity /at+ t ! entity %all abide by ! confid5tiality requirem5ts describ$ 9 section #h relat+ to ! in=mation on swap transactions t is provid$4 4 7c7 ,security-bas$ swap data repositories ,section #ac7n77#e7 ( ! ,securities ,ex*ange ,act ( #aicd 7#ae ,u4,s4,c4 #ghm7n77#e77 is am5d$-- 7#a7 9 subp>agraph 7,g7-- 7,a7 9 ! matt] prec$+ clause 7i71 by /rik+ all & ins]t+ security-bas$ swap2 & 7,b7 9 clause 7v7-- 7i7 9 subclause 7,,ii71 by /rik+ 2 & & ins]t+ a semicolon2 7ii7 9 subclause 7,,iii71 by /rik+ ! p]iod at ! end & ins]t+ 2 &2 & 7iii7 by add+ at ! end ! foll[+3 7,,iv7 o!r =eign au?orities4 2 & 7#b7 by /rik+ subp>agraph 7,h7 & ins]t+ ! foll[+3 7,h7 ,confid5tiality agreem5t ,be=e ! security-bas$ swap data repository may %>e in=mation ) any entity describ$ 9 subp>agraph 7,g71 ! security-bas$ swap data repository %all receive a writt5 agreem5t f ea* entity /at+ t ! entity %all abide by ! confid5tiality requirem5ts describ$ 9 section #bd relat+ to ! in=mation on security-bas$ swap transactions t is provid$4 4 7d7 ,effective date ,! am5dm5ts made by ?is section %all take effect z if enact$ z "p ( ! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act 7,public ,law #aaa-bjc74 #igd4 ,improv+ access to capital = em]g+ gr[? companies ,section #f7;e77#a7 ( ! ,securities ,act ( #aicc 7#ae ,u4,s4,c4 #gg;f7e77#a77 is am5d$ by add+ at ! end ! foll[+3 ,an issu] t 0 an em]g+ gr[? company at ! "t x submitt$ a confid5tial regi/ration /atem5t or1 9 lieu !re(1 a publicly fil$ regi/ration /atem5t = review "u ?is subsection b ceases to be an em]g+ gr[? company !reaft] %all cont9ue to be treat$ z an em]g+ gr[? company = ! purposes ( ?is subsection ?r\gh ! e>li] ( ! date on :i* ! issu] consummates its initial public (f]+ pursuant to su* regi/ration /atem5t or ! end ( ! #a-ye> p]iod beg9n+ on ! date on :i* ! company ceases to be an em]g+ gr[? company44 ,g ,taxpay] protections & m>ket access = mortgage f9ance #iha4 ,def9itions ,9 ?is title3 7#a7 ,ag5cy ,! t]m ,ag5cy means ! ,f$]al ,h\s+ ,f9ance ,ag5cy4 7#b7 ,back-end risk %>+ ,! t]m back-end risk %>+ means any risk-%>+ transaction t all[s an ent]prise to %>e s+le-family mortgage cr$it risk t is on ! balance %eet ( ! ent]prise ) ! private sector4 7#c7 ,bo>d ( ,directors ,! t]m ,bo>d ( ,directors means ! ,bo>d ( ,directors e/abli%$ "u section #ihe7;c77#a74 7#d7 ,common securitization solutions ,! t]m ,common ,securitization ,solutions or ,,css means ,common ,securitization ,solutions1 ,,llc1 ! jo9t v5ture =m$ by ! ent]prises 9 ,octob] #bjac1 or any successor to ,common ,securitization ,solutions1 ,,llc1 t is a jo9t v5ture ( ! ent]prises4 7#e7 ,contractual & disclosure framework ,! t]m contractual & disclosure framework means a contractual & disclosure framework = securitization ( mortgage loans by an entity o!r ?an an ent]prise4 7#f7 ,ent]prise ,! t]m ent]prise has ! mean+ giv5 t t]m 9 section #acjc ( ! ,f$]al ,h\s+ ,ent]prises ,f9ancial ,safety & ,s\ndness ,act ( #aiib 7#ab ,u4,s4,c4 #dejb74 7#g7 ,fir/ loss position2 front-end risk %>+2 risk-%>+ transaction ,! t]ms fir/ loss position1 front-end risk %>+1 & risk-%>+ transaction h ! mean+s giv5 ^? t]ms 9 section #acbh7;a7 ( ! ,f$]al ,h\s+ ,ent]prises ,f9ancial ,safety & ,s\ndness ,act ( #aiib1 z add$ by section #ihf7;b77#a74 7#h7 ,gu>antee fee ,! t]m gu>antee fee-- 7,a7 means a fee 9 connection ) any gu>antee ( ! timely paym5t ( pr9cipal & int]e/ on securities1 notes1 & o!r obligations bas$ on or back$ by mortgages on resid5tial real prop]ties design$ pr9cipally = occupancy ( f #a to #d families2 & 7,b7 includes-- 7i7 ! gu>anty fee *>g$ by ! ,f$]al ,national ,mortgage ,association ) respect to mortgage-back$ securities2 & 7ii7 ! managem5t & gu>antee fee *>g$ by ! ,f$]al ,home ,loan ,mortgage ,corporation ) respect to p>ticipation c]tificates4 7#i7 ,plat=m ,! t]m ,plat=m means ! securitization plat=m fir/ describ$ by ! pap] issu$ by ! ,ag5cy on ,octob] #d1 #bjab entitl$ ,build+ a ,new ,infra/ructure = ! ,second>y ,mortgage ,m>ket1 & updat$ 9 subsequ5t docum5ts releas$ by ! ,ag5cy1 includ+ annual /rategic plans = ! cons]vator%ip ( ! ent]prises & annual cons]vator%ip scorec>ds4 7#aj7 ,private successor ,! t]m private successor means ! private1 nonpr(it entity ref]r$ to 9 section #ihe7;g7 to :i* ,,css transitions ! ,plat=m & ! contractual & disclosure framework1 includ+ any associat$ intellectual prop]ty1 te*nology1 sy/ems1 & infra/ructure1 9 accordance ) ?is title4 7#aa7 ,second loss position ,! t]m second loss position means1 ) respect to a risk-%>+ transaction1 ! position to :i* any cr$it losses on a security result+ f ! nonp]=mance ( und]ly+ mortgage loans w accrue & be absorb$ aft] a fir/ loss position1 to ! full ext5t ( a hold]'s int]e/ 9 su* position4 7#ab7 ,secret>y ,! t]m ,secret>y means ! ,secret>y ( ! ,treasury4 7#ac7 ,s5ior pref]r$ /ock pur*ase agreem5t ,! t]m ,s5ior ,pref]r$ ,/ock ,pur*ase ,agreem5t means-- 7,a7 ! ,am5d$ & ,re/at$ ,s5ior ,pref]r$ ,/ock ,pur*ase ,agreem5t1 dat$ ,septemb] #bf1 #bjjh1 z su* ,agreem5t has be5 am5d$ on ,may #f1 #bjji1 ,decemb] #bd1 #bjji1 & ,augu/ #ag1 #bjab1 respectively1 & z su* ,agreem5t may be fur!r am5d$ & re/at$1 ent]$ into betwe5 ! ,dep>tm5t ( ! ,treasury & ea* ent]prise1 z applicable2 & 7,b7 any provision ( any c]tificate 9 connection ) su* ,agreem5t creat+ or designat+ ! t]ms1 p[]s1 pref]5ces1 privileges1 limitations1 or any o!r conditions ( ! ,v>iable ,liquidation ,pref]5ce ,s5ior ,pref]r$ ,/ock ( an ent]prise issu$ or sold pursuant to su* ,agreem5t4 #ihb4 ,prohibit+ ! use ( gu>antee fees z an (fset 7a7 ,9 g5]al ,9 ! ,s5ate & ! ,h\se ( ,repres5tatives1 = purposes ( det]m9+ budget>y impacts to evaluate po9ts ( ord] "u ! ,congressional ,budget ,act ( #aigd1 any previ\s budget resolution1 & any subsequ5t budget resolution1 provisions conta9$ 9 any bill1 resolution1 am5dm5t1 motion1 or conf]5ce report t increase1 or ext5d ! increase (1 any gu>antee fee ( an ent]prise %all n be scor$ ) respect to ! level ( budget au?ority1 outlays1 or rev5ues conta9$ 9 su* legislation4 7b7 ,exception ,! prohibition 9 subsection 7a7 %all n apply to any legislation t-- 7#a7 includes a specific in/ruction to ! ,secret>y on ! sale1 transf]1 rel9qui%m5t1 liquidation1 dive/iture1 or o!r disposition ( s5ior pref]r$ /ock acquir$ pursuant to ! ,s5ior ,pref]r$ ,/ock ,pur*ase ,agreem5t2 & 7#b7 provides = an increase1 or ext5sion ( an increase1 ( any gu>antee fee ( an ent]prise to be us$ = ! purpose ( f9anc+ re=ms to ! second>y mortgage m>ket4 #ihc4 ,limitations on sale ( pref]r$ /ock ,not)/&+ any o!r provision ( law or any provision ( ! ,s5ior ,pref]r$ ,/ock ,pur*ase ,agreem5t1 ! ,secret>y may n sell1 transf]1 rel9qui%1 liquidate1 dive/1 or o!rwise dispose ( any out/&+ %>es ( s5ior pref]r$ /ock acquir$ pursuant to ! ,s5ior ,pref]r$ ,/ock ,pur*ase ,agreem5t1 until su* "t z ,congress has pass$ & ! ,presid5t has sign$ into law legislation t includes a specific in/ruction to ! ,secret>y reg>d+ ! sale1 transf]1 rel9qui%m5t1 liquidation1 dive/iture1 or o!r disposition ( ! s5ior pref]r$ /ock s acquir$4 #ihd4 ,second>y m>ket advisory committee ,n lat] ?an #ij days aft] ! date ( enactm5t ( ?is title1 ! ,ag5cy %all direct ! ent]prises & ,,css to e/abli% ! ,second>y ,m>ket ,advisory ,committee1 :i* %all-- 7#a7 provide advice to ! ent]prises & ,,css on decisions relat+ to ! developm5t ( second>y mortgage m>ket infra/ructure2 & 7#b7 include private m>ket p>ticipants repres5t+ multiple aspects ( ! mortgage m>ket1 includ+ mortgage l5d]s1 pool]s ( mortgage-back$ securities1 & inve/ors ( mortgage-back$ securities4 #ihe4 ,securitization plat=m 7a7 ,s5se ( ,congress ,x is ! s5se ( ,congress t-- 7#a7 at ! direction ( ! ,ag5cy1 ! ent]prises h e/abli%$ a jo9t v5ture call$ ,common ,securitization ,solutions int5d$ to facilitate ! issuance ( mortgage-back$ securities ?r\gh ! ,plat=m2 7#b7 at ! direction ( ! ,ag5cy1 ! developm5t ( ! ,plat=m is curr5tly ge>$ t[>d ! issuance ( mortgage-back$ securities by ! ent]prises2 7#c7 z soon z practicable1 ! capacity & functionality ( ! ,plat=m %\ld be exp&$ to facilitate ! issuance ( mortgage-back$ securities by issu]s o!r ?an ! ent]prises1 & ,,css %\ld und]take to develop ! contractual & disclosure framework = issu]s o!r ?an ! ent]prises2 7#d7 ! prop]ty ( ! ent]prises1 includ+ intellectual prop]ty1 te*nology1 sy/ems1 & infra/ructure 7includ+ te*nology1 sy/ems1 & infra/ructure develop$ by ! ent]prises = ! ,plat=m71 z well z any o!r legacy sy/ems1 infra/ructure1 processes1 & ! ,plat=m itself are valuable assets ( ! ent]prises2 & 7#e7 ! ent]prises %\ld receive appropriate comp5sation = ! transf] ( any su* assets4 7b7 ,reports to congress 7#a7 ,annual report on developm5t ,n lat] ?an #a ye> aft] ! date ( enactm5t ( ?is title1 & e ye> !reaft]1 ! ,ag5cy %all submit to ,congress a report on ! /atus ( ! developm5t ( ! ,plat=m & ! contractual & disclosure framework1 :i* %all include-- 7,a7 ! project$ timel9es =-- 7i7 complet+ developm5t ( ! ,plat=m to support ! securitization ne$s ( ! ent]prises2 & 7ii7 complet+ developm5t ( ! ,plat=m & ! contractual & disclosure framework to support ! securitization ne$s ( issu]s o!r ?an ! ent]prises2 & 7,b7 ! project$ budget = ! developm5t ( ! ,plat=m & ! contractual & disclosure framework4 7#b7 ,report on transition ,n lat] ?an #c ye>s aft] ! date ( enactm5t ( ?is title1 ! ,ag5cy %all develop a plan1 & submit to ! ,committee on ,bank+1 ,h\s+ & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives a report on su* plan1 to transition ! ,plat=m & ! contractual & disclosure framework f a jo9t v5ture own$ by ! ent]prises into a private1 nonpr(it entity t be/ facilitates a deep1 liquid1 & resili5t second>y mortgage m>ket = mortgage-back$ securities4 7c7 ,bo>d ( directors 7#a7 ,e/abli%m5t ,n lat] ?an #f mon?s aft] ! date ( enactm5t ( ?is title1 ! ,ag5cy %all direct ! ent]prises & ,,css to re-con/itute a ,,css ,bo>d ( ,directors t meets ! composition requirem5ts set =? 9 p>agraphs 7#b7 & 7#c74 7#b7 ,composition aft] #a ye> ,n lat] ?an #a ye> aft] ! date ( enactm5t ( ?is title1 z det]m9$ by ! ,ag5cy1 ! ,bo>d ( ,directors %all be compris$ ( #g directors1 #c ( :om-- 7,a7 %all h demon/rat$ k (1 or exp]i5ce 91 f9ancial managem5t1 f9ancial s]vices1 risk managem5t1 in=mation te*nology1 or h\s+ f9ance2 & 7,b7 are n simultane\sly employ$ by an ent]prise or s]v+ z a director ( an ent]prise4 7#c7 ,composition aft] #ah mon?s ,n lat] ?an #ah mon?s aft] ! date ( enactm5t ( ?is title1 z det]m9$ by ! ,ag5cy1 ! ,bo>d ( ,directors %all be compris$ ( #i directors1 #e ( :om-- 7,a7 %all h demon/rat$ k (1 or exp]i5ce 91 f9ancial managem5t1 f9ancial s]vices1 risk managem5t1 in=mation te*nology1 or h\s+ f9ance2 & 7,b7 are n simultane\sly employ$ by an ent]prise or s]v+ z a director ( an ent]prise4 7d7 ,au?oriz$ & prohibit$ activities 7#a7 ,au?oriz$ activities 7,a7 ,9 g5]al ,n lat] ?an #b ye>s aft] ! date ( enactm5t ( ?is title1 ,,css %all-- 7i7 = an entity o!r ?an an ent]prise1 develop /&>ds =-- 7,i7 becom+ an approv$ issu] ( securities issu$ ?r\gh ! ,plat=m2 7,,ii7 loans t may s]ve z collat]al = securities issu$ ?r\gh ! ,plat=m2 & 7,,iii7 orig9at+1 s]vic+1 pool+1 dispute resolution1 disclosure1 & securitiz+ resid5tial mortgage loans t collat]alize securities issu$ ?r\gh ! ,plat=m2 & 7ii7 op]ate & ma9ta9 ! ,plat=m & e/abli% fees = use ( ! ,plat=m4 7,b7 ,issu+ securities by approv$ issu]s ,n lat] ?an #c ye>s aft] ! date ( enactm5t ( ?is title-- 7i7 ,,css %all facilitate ! issuance ( securities by any approv$ issu] o!r ?an an ent]prise ?r\gh ! ,plat=m2 & 7ii7 issuances ( securities facilitat$ ?r\gh ! ,plat=m %all n be limit$ to ^? made by ! ent]prises4 7,c7 ,exception ,! ,director may delay ! requirem5t "u subp>agraph 7,b7 = #b #a-ye> p]iods if ! ,director & ! ,secret>y ( ! ,treasury-- 7i7 det]m9e t facilitation ( su* securities is n feasible )9 t p]iod ( "t & c\ld adv]sely impact ! h\s+ m>ket2 & 7ii7 submit to ,congress a report describ+ ! ju/ification = ! det]m9ation made 9 clause 7i74 7#b7 ,prohibit$ activities ,,css may n1 ?r\gh ! ,plat=m or o!rwise-- 7,a7 gu>antee any mortgage loans or mortgage-back$ securities2 7,b7 assume or hold mortgage loan cr$it risk2 7,c7 pur*ase any mortgage loans = ca% on a s+le loan basis = ! purpose ( securitization2 7,d7 own or hold any mortgage loans or mortgage-back$ securities = inve/m5t purposes2 7,e7 make or be a p>ty to any repres5tation & w>ranty agreem5t on any mortgage loans2 or 7,f7 take l5d] repres5tation & w>ranty risk4 7#c7 ,au?oriz$ & prohibit$ activities ( ! private successor ,all au?oriz$ & prohibit$ activities ( ,,css "u ?is subsection %all transf] to ! private successor at ! "t ( transition "u subsection 7g71 & %all transf] to any future successor to ! private successor at ! "t ( any su* transition4 7e7 ,regulation ( ,,css & ! private successor ,! ,ag5cy %all h g5]al regulatory au?ority ov] ,,css1 ! private successor1 & any successor to ! private successor to ensure ! safety & s\ndness ( ,,css & su* successors 7f7 ,fund+ by ! ,,fhfa & transf] ( prop]ty 7#a7 ,transf] ( funds f ! ent]prises ,at a "t e/abli%$ by ! ,ag5cy1 ! ,ag5cy %all transf] to ,,css su* funds f ! ent]prises z ! ,ag5cy1 aft] consultation ) ! ,bo>d ( ,directors1 det]m9es may be reasonably necess>y = ,,css to beg9 c>ry+ out ! activities & op]ations ( ! ,plat=m4 7#b7 ,transf] ( prop]ty 7,a7 ,9 g5]al ,! ,ag5cy %all direct ! ent]prises to transf] or sell to ! ,plat=m any prop]ty1 includ+ intellectual prop]ty1 te*nology1 sy/ems1 & infra/ructure 7includ+ te*nology1 sy/ems1 & infra/ructure develop$ by ! ent]prises = ! ,plat=m71 z well z any o!r legacy sy/ems1 infra/ructure1 & processes t may be necess>y = ! ,plat=m to c>ry out ! functions & op]ations ( ! ,plat=m4 7,b7 ,contractual & o!r legal obligations ,z may be necess>y = ! ,ag5cy & ! ent]prises to comply ) legal1 contractual1 or o!r obligations1 ! ,ag5cy %all h ! au?ority to require t any transf] au?oriz$ "u subp>agraph 7,a7 occurs z an ex*ange = value1 includ+ ?r\gh ! provision ( appropriate comp5sation to ! ent]prises or o!r entities responsible = creat+1 or contract+ )1 ! ,plat=m4 7g7 ,transition f ,,css 7#a7 ,9 g5]al ,n lat] ?an #e ye>s aft] ! date ( enactm5t ( ?is title1 ! ,ag5cy %all ov]see ! transition ( own]%ip ( ! ,plat=m & ! contractual & disclosure framework f ! ent]prises & ,,css to a private1 nonpr(it entity 9 accordance ) ! plan develop$ "u subsection 7b77#b74 7#b7 ,bo>d ( ,directors ,! private successor %all det]m9e ! /ructure ( ! ,bo>d ( ,directors foll[+ ! transition "u p>agraph 7#a74 7#c7 ,repaym5t ( co/ ,n lat] ?an #aj ye>s aft] ! date ( ! transition describ$ 9 p>agraph 7#a71 ! total co/ ( ! prop]ty transf]r$ 9 accordance ) subsection 7f77#b7 at ! "t ( ! transition1 z det]m9$ jo9tly by ! ,ag5cy & ! ,secret>y1 %all be repaid to ! ent]prises4 7h7 ,rule ( con/ruction ,no?+ 9 ?is section %all be con/ru$ to prohibit ! ,ag5cy or ,,css f fir/ develop+ a common securitization plat=m = use only by ! ent]prises1 if all ( ! provisions 9 ?is ,act relat+ to ! developm5t ( ! ,plat=m & ! contractual & disclosure framework are compli$ ) 9 a timely mann]4 #ihf4 ,m&atory risk %>+ 7a7 ,s5se ( congress ,x is ! s5se ( ,congress t-- 7#a7 at ! direction ( ! ,ag5cy1 ! ent]prises h execut$ a s]ies ( transactions 9 :i* ! ent]prises %>e cr$it risk ) ! private sector2 7#b7 9 ! risk-%>+ transactions to date1 ! ent]prises h %>$ cr$it risk on pools ( resid5tial mortgage loans t back securities on :i* an ent]prise ei!r already gu>antees or does n yet gu>antee ! timely paym5t ( pr9cipal & int]e/2 7#c7 ! risk t ! ent]prises h %>$ has be5 ei!r any loss suff]$ on ! loans 9 ! pool or any loss 9 excess ( "s m9imal level on loans 9 ! pool2 7#d7 to date1 ! va/ majority ( risk-%>+ transactions h involv$ ei!r back-end risk %>+ or ! transf] ( ! second loss position2 & 7#e7 ! ,ag5cy %\ld direct ! ent]prises to-- 7,a7 engage 9 m front-end risk %>+ 9 :i* ! fir/ loss position is transf]r$2 & 7,b7 reta9 data t c help in=m policymak]s & ! public ab\t ! impact to consum]s1 ! m>ket1 & ! ent]prises f su* transactions4 7b7 ,m&atory risk %>+ 7#a7 ,9 g5]al ,subp>t ,a ( "p #b ( subtitle ,a ( ! ,f$]al ,h\s+ ,ent]prises ,f9ancial ,safety & ,s\ndness ,act ( #aiib 7#ab ,u4,s4,c4 #deda et seq47 is am5d$ by add+ at ! end ! foll[+3 #acbh4 ,m&atory risk-%>+ transactions 7a7 ,def9itions ,9 ?is section3 7#a7 ,fir/ loss position ,! t]m fir/ loss position means1 ) respect to a risk-%>+ transaction1 ! position to :i* any cr$it loss on a security result+ f ! nonp]=mance ( und]ly+ mortgage loans w accrue & be absorb$1 to ! full ext5t ( ! hold]'s int]e/ 9 su* position4 7#b7 ,front-end risk %>+ ,! t]m front-end risk %>+ means any risk-%>+ transaction t provides = an ent]prise to %>e cr$it risk on a pool ( s+le-family resid5tial mortgage loans t back securities on :i* ! ent]prise gu>antees ! timely paym5t ( pr9cipal & int]e/ ) ! private sector be=e ! ent]prise provides any su* gu>antee4 7#c7 ,risk-%>+ transaction ,! t]m risk-%>+ transaction means any transaction t provides = an ent]prise to %>e cr$it risk on a pool ( s+le-family resid5tial mortgage loans t back securities on :i* ! ent]prise gu>antees ! timely paym5t ( pr9cipal & int]e/ ) ! private sector4 7b7 ,risk-%>+ transactions ,! ,director %all require ea* ent]prise to develop & und]take risk-%>+ transactions 9 :i* ! fir/ loss position is transf]r$1 z provid$ 9 subsection 7c74 7c7 ,requir$ p]c5tage ( bus9ess 7#a7 ,requirem5t ,! ,director %all require t ea* ent]prise engage 9 significant & increas+ risk-%>+ transactions1 includ+ front-end risk %>+ & risk-%>+ transactions 9 :i* ! fir/ loss position is transf]r$1 consid]+ m>ket conditions & ! safety & s\ndness ( ! ent]prise4 7#b7 ,annual report+ requirem5t ,n lat] ?an #a ye> aft] ! date ( enactm5t ( ?is section1 & e ye> !reaft]1 ! ,ag5cy %all submit to ,congress a report1 :i* %all include-- 7,a7 = ! #ab-mon? p]iod prec$+ ! date on :i* ! report is submitt$1 an assessm5t ( ! m>ket responses to ! risk-%>+ transactions ( ea* ( ! ent]prises1 9 aggregate1 & by cr$it risk-%>+ me*anism1 includ+-- 7i7 impacts on borr[] co/s1 yield spreads1 & ! economics ( ! op]ations ( ! ent]prises2 & 7ii7 ! type & *>act]i/ics ( ! und]ly+ collat]al & borr[]s ^: loans are involv$ 9 risk-%>+ transactions2 & 7,b7 a #e-ye> plan1 :i* %all include1 = ea* ( ! #e ye>s foll[+ ! ye> 9 :i* ! report is issu$-- 7i7 ! project$ p]c5tage ( ! unpaid pr9cipal balance ( ea* ent]prise cov]$ "u ! cr$it risk-%>+ program2 7ii7 ! project$ p]c5tage ( new bus9ess = ea* ent]prise subject to transactions 9 :i* ! fir/ loss position is transf]r$1 includ+ ! types ( deal /ructures2 7iii7 ! project$ dep? ( front-end risk %>+ p] type ( transaction = ea* ent]prise2 & 7iv7 a description ( ! /eps t ! ,ag5cy int5ds to take to broad5 ! eligible inve/or base = cr$it risk-%>+ programs4 4 ,h ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act te*nical corrections #iia4 ,table ( cont5ts2 def9itional corrections 7a7 ,table ( cont5ts ,! table ( cont5ts = ! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act 7,public ,law #aaa-bjc2 #abd ,/at4 #acgf7 is am5d$ by /rik+ ! items relat+ to sections #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 #iib4 ,antitru/ sav+s clause corrections ,section #f ( ! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act 7#ab ,u4,s4,c4 #ecjc7 is am5d$1 9 ! second s5t5ce-- 7#a7 by ins]t+ 7#ae ,u4,s4,c4 #ab7;a77 aft] ,clayton ,act2 & 7#b7 by /rik+ ,act1 to & ins]t+ ,act 7#ae ,u4,s4,c4 #de7 to4 #iic4 ,title ,i corrections ,! ,f9ancial ,/ability ,act ( #bjaj 7#ab ,u4,s4,c4 #ecaa et seq47 is am5d$-- 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$esignat+ subp>agraphs 7,a7 ?r\gh 7,h7 z p>agraphs 7#a7 ?r\gh 7#h71 respectively1 & adju/+ ! m>g9s accord+ly2 7#e7 9 section #aee7;a77#b7 7#ab ,u4,s4,c4 #ecde7;a77#b771 by /rik+ 7c71 & ins]t+ 7c72 7#f7 9 section #afd 7#ab ,u4,s4,c4 #ecfd71 by /rik+ ,in/itutions & ins]t+ ,in/itution2 7#g7 9 section #afg7;b77#a77;,b77ii7 7#ab ,u4,s4,c4 #ecfg7;b77#a77;,b77ii771 by /rik+ to ensure & ins]t+ ensure2 & 7#h7 9 section #aga7;b77#d77;,d7 7#ab ,u4,s4,c4 #ecga7;b77#d77;,d771 by add+ a p]iod at ! end4 #iid4 ,title ,,ii corrections ,title ,,ii ( ! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act 7#ab ,u4,s4,c4 #echa et seq47 is am5d$-- 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#a71 by /rik+ #aa1gbe ea* place t t]m appe>s & ins]t+ #aa1gbe2 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 #iie4 ,title ,,iii corrections 7a7 ,9 g5]al ,! ,enhanc+ ,f9ancial ,in/itution ,safety & ,s\ndness ,act ( #bjaj 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 by 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$esignat+ subclauses 7,,iii71 7,,iv71 & 7,v7 z items 7bb71 7cc71 & 7dd71 respectively1 & adju/+ ! m>g9s accord+ly2 7,b7 9 subp>agraph 7,f7-- 7i7 9 clause 7ii71 by add+ & at ! end2 7ii7 9 clause 7iii71 by /rik+ 2 & & ins]t+ a semicolon2 & 7iii7 by /rik+ clause 7iv72 & 7,c7 9 subp>agraph 7,g77i71 by ins]t+ ea* place su* t]m appe>s be=e & ins]t+4 7b7 ,effective dates 7#a7 ,section #ccc ,! am5dm5t made by subsection 7a77#b7 ( ?is section %all take effect z if enact$ z "p ( subtitle ,c ( ! ,enhanc+ ,f9ancial ,in/itution ,safety & ,s\ndness ,act ( #bjaj 7title ,,iii ( ,public ,law #aaa-bjc2 #abd ,/at4 #aech74 7#b7 ,section #cfi ,! am5dm5ts made by subsection 7a77#c7 ( ?is section %all take effect z if enact$ z "p ( subtitle ,e ( ! ,enhanc+ ,f9ancial ,in/itution ,safety & ,s\ndness ,act ( #bjaj 7title ,,iii ( ,public ,law #aaa-bjc2 #abd ,/at4 #aedf74 #iif4 ,title ,,iv correction ,section #dad ( ! ,private ,fund ,inve/m5t ,advis]s ,regi/ration ,act ( #bjaj 7title ,,iv ( ,public ,law #aaa-bjc2 #abd ,/at4 #aegh7 is am5d$ 9 ! section head+ by /rik+ ,commodities & ins]t+ ,commodity4 #iig4 ,title ,,vi corrections 7a7 ,9 g5]al ,! ,bank & ,sav+s ,association ,hold+ ,company & ,depository ,in/itution ,regulatory ,improvem5ts ,act ( #bjaj 7title ,,vi ( ,public ,law #aaa-bjc2 #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 if enact$ z "p ( section #faj ( ! ,bank & ,sav+s ,association ,hold+ ,company & ,depository ,in/itution ,regulatory ,improvem5ts ,act ( #bjaj 7title ,,vi ( ,public ,law #aaa-bjc2 #abd ,/at4 #afaa74 #iih4 ,title ,,vii corrections 7a7 ,9 g5]al ,! ,wall ,/reet ,transp>5cy & ,acc\ntability ,act ( #bjaj 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 #gbd7;a7 7#abd ,/at4 #afhb71 by /rik+ add+ at ! end & ins]t+ ins]t+ aft] subsection 7e72 7#d7 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#e7 9 section #gda7;b77#aj7 7#abd ,/at4 #agcb71 by /rik+ #a;a7#ai77;,a77iv77,,ii7 ea* place t t]m appe>s & ins]t+ #a;a7#ah77;,a77iv77,,ii72 & 7#f7 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#e71 & 7#f7 ( subsection 7a7 %all take effect z if enact$ z "p ( "p ,,ii ( subtitle ,a ( ! ,wall ,/reet ,transp>5cy & ,acc\ntability ,act ( #bjaj 7title ,,vii ( ,public ,law #aaa-bjc2 #abd ,/at4 #afeh74 #iii4 ,title ,,viii corrections ,! ,paym5t1 ,cle>+1 & ,settlem5t ,sup]vision ,act ( #bjaj 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 #iii;,a4 ,title ,,ix corrections ,section #ici7;h77#a7 ( ! ,inve/or ,protection & ,securities ,re=m ,act ( #bjaj 7title ,,ix ( ,public ,law #aaa-bjc2 #abd ,/at4 #ahhg7 is am5d$1 9 ! matt] prec$+ subp>agraph 7,a7-- 7#a7 by ins]t+ ,! be=e ,commission2 & 7#b7 by /rik+ feasability & ins]t+ feasibility4 #iii;,b4 ,title ,x corrections 7a7 ,9 g5]al ,! ,consum] ,f9ancial ,protection ,act ( #bjaj 7#ab ,u4,s4,c4 #edha et seq47 is am5d$-- 7#a7 9 section #ajjb7ab77;,g7 7#ab ,u4,s4,c4 #edha7ab77;,g771 by /rik+ ,home ,own]s & ins]t+ ,home[n]s2 7#b7 9 section #ajac7;a77#a77;,c7 7#ab ,u4,s4,c4 #edic7;a77#a77;,c771 by /rik+ section #aa7a7 ( ! ,f$]al ,res]ve ,act 7#ab ,u4,s4,c4 #bdh7a77 & ins]t+ subsection 7l7 ( section #aa ( ! ,f$]al ,res]ve ,act 7#ab ,u4,s4,c4 #bdh7l72 7#c7 9 section #ajag7;a77#e7 7#ab ,u4,s4,c4 #edig7;a77#e77-- 7,a7 9 subp>agraph 7,a71 9 ! la/ s5t5ce by /rik+ #gaf7;c7 ( title #ca1 ,unit$ ,/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 subsections 7b71 7c71 & 7d7-- 7i7 by ins]t+ cov]$ be=e p]sons ea* place t t]m appe>s2 & 7ii7 by ins]t+ cov]$ be=e p]son describ$ 9 subsection 7a7 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 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$esignat+ p>agraph 7#d7 z subp>agraph 7,c7 & adju/+ ! m>g9s accord+ly2 & 7#af7 9 section #ajih7f7 7#abd ,/at4 #bajd71 by ins]t+ ! fir/ place t t]m appe>s be=e &4 7b7 ,effective date ,! am5dm5ts made by p>agraphs 7#ad71 7#ae71 & 7#af7 ( subsection 7a7 ( ?is section %all take effect z if enact$ z "p ( subtitle ,h ( ! ,consum] ,f9ancial ,protection ,act ( #bjaj 7title ,x ( ,public ,law #aaa-bjc2 #abd ,/at4 #bjhj74 #iii;,c4 ,title ,,xi correction ,section #aaje7;d77#a7 ( ! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act 7#ab ,u4,s4,c4 #efab7;d77#a77 is am5d$ by /rik+ au?ority4-- & all t foll[s ?r\gh by ! ,presid5t & ins]t+ au?ority4--,a reque/ by ! ,presid5t4 #iii;,d4 ,title ,,xii correction ,section #abjh7;b7 ( ! ,improv+ ,access to ,ma9/ream ,f9ancial ,in/itutions ,act ( #bjaj 7#ab ,u4,s4,c4 #efbf7;b77 is am5d$ by /rik+ ,fund = ea* & ins]t+ ,fund 7z def9$ 9 section #ajc7aj7 ( ! ,riegle ,community ,developm5t & ,regulatory ,improvem5t ,act ( #aiid 7#ab ,u4,s4,c4 #dgjb7aj777 = ea*4 #iii;,e4 ,title ,,xiv correction ,section #adea7;c7 ( ! ,mortgage ,re=m & ,anti-,pr$atory ,l5d+ ,act 7#ab ,u4,s4,c4 #agjax-#a7;c77 is am5d$ by /rik+ pursuant4 #iii;,f4 ,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] foll[+ subp>agraph 7,e7-- 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$-- 7,a7 9 subsection 7d77#a77;,e71 by /rik+ #ajb ( ! ,small ,bus9ess ,inve/m5t ,act ( #aieh 7#ae ,u4,s4,c4 #ffb7 & ins]t+ #ajc7c7 ( ! ,small ,bus9ess ,inve/m5t ,act ( #aieh 7#ae ,u4,s4,c4 #ffb7c772 7,b7 9 subsection 7f77#c77;,a77ii71 by /rik+ 7d77#a77;g77v7 & ins]t+ 7d77#a77;,g77v72 & 7,c7 9 ! matt] prec$+ subp>agraph 7,a7 ( 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 or ! ,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#e7-- 7,i7 9 subp>agraph 7,a7-- 7aa7 by /rik+ ,swaps & ins]t+ ,ea* swap2 & 7bb7 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 & 7,,ii7 9 subp>agraph 7,b71 by /rik+ ,swaps & ins]t+ ,ea* swap2 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;,b77i77,,iii71 by /rik+ ! ,act ea* place t t]m 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>d7 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#d7 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 p>agraph 7#c77;,c71 z s r$esignat$1 by /rik+ ! ,bo>d %all2 7,d7 9 p>agraph 7#c77;,d71 z s r$esignat$-- 7i7 by ins]t+ s5d promptly be=e any2 & 7ii7 by /rik+ %all be s5t promptly to ,congress by ! ,bo>d & ins]t+ to ,congress2 7#c7 9 section #iji7;c7 7#ae ,u4,s4,c4 #afic;g7c771 by /rik+ #ajc7;e7 & ins]t+ #ajc7;f72 7#d7 9 section #iah7;a77#d7 7#ae ,u4,s4,c4 #afico7a77#d71 by /rik+ ,act & & ins]t+ ,act2 &2 & 7#e7 9 section #ibj7;a77#d77;,c7 7#ae ,u4,s4,c4 #afico-#b7;a77#d77;,c771 by /rik+ ! ,director ( ! ,(fice ( ,?rift ,sup]vision14 7m7 ,em]g5cy ,economic ,/abilization ,act ( #bjjh ,section #aja7;b7 ( ! ,em]g5cy ,economic ,/abilization ,act ( #bjjh 7#ab ,u4,s4,c4 #ebaa7;b77 is am5d$ 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 p>agraphs 7#a77;,a71 7#a77;,b77i71 7#b77;,a77i71 & 7#b77;,b7 ( section #fje;,a7h7 7#ae ,u4,s4,c4 #afha;c-#a7;h77-- 7,a7 by /rik+ #ajc7;i7 & ins]t+ #ajc7;j7 ea* place t t]m appe>s2 & 7,b7 by /rik+ op5-end & ins]t+ op5 end ea* place t t]m appe>s2 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 ( ! ,consum] ,f9ancial ,protection ,act ( #bjaj 7title ,x ( ,public ,law #aaa-bjc2 #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+ t ,act & ins]t+ ! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act 7#ab ,u4,s4,c4 #ecja et seq472 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$-- 7#a7 9 section #aj 7#ab ,u4,s4,c4 #bdg;b71 by r$esignat+ p>agraph 7#ab7 z p>agraph 7#aa72 & 7#b7 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$]al ,res]ve transp>5cy & release ( in=mation71 z subsection 7t71 & mov+ subsection 7t71 z s r$esignat$1 s x appe>s aft] subsection 7s72 7,b7 9 subsection 7s77#b77;,c71 by /rik+ sup]vis$ by ! ,bo>d & ins]t+ subject to a f9al det]m9ation2 & 7,c7 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$-- 7#a7 9 subsection 7a7-- 7,a7 9 ! matt] prec$+ p>agraph 7#a7-- 7i7 by /rik+ & ! ,director ( ! ,(fice ( ,?rift ,sup]vision1 %all jo9tly & ins]t+ %all2 7ii7 by /rik+ ,s5ate1 & ins]t+ ,s5ate &2 7iii7 by /rik+ & ! ,(fice ( ,?rift ,sup]vision2 & 7iv7 by /rik+ ea* su* & ins]t+ su*2 & 7,b7 9 p>agraph 7#a71 by /rik+ & ! ,(fice ( ,?rift ,sup]vision2 & 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$-- 7#a7 9 section #cjd7;j77#c7 7#ab ,u4,s4,c4 #bhjc7;j77#c771 by add+ a p]iod at ! end2 & 7#b7 9 section #cje7;b77#a77;,a7 7#ab ,u4,s4,c4 #bhjd7;b77#a77;,a77-- 7,a7 9 ! matt] prec$+ clause 7i71 by ins]t+ by be=e ! appropriate ,f$]al bank+ ag5cy2 & 7,b7 9 clause 7iii71 by /rik+ bank z1 & ins]t+ bank1 z4 7aa7 ,home ,own]s' ,loan ,act ,! ,home ,own]s' ,loan ,act 7#ab ,u4,s4,c4 #adfa et seq47 is am5d$-- 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$]al bank+ ag5cy det]m9es to be necess>y2 & 7iii7 9 p>agraph 7#c7-- 7,i7 by /rik+ ag5cy1 may & ins]t+ ag5cy may2 & 7,,ii7 by /rik+ ! ,comptroll] & ins]t+ ! appropriate ,f$]al bank+ ag5cy2 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$+ clause 7i7-- 7,i7 by /rik+ #ahda7p77 & ins]t+ #ahda7p7772 & 7,,ii7 by ins]t+ 7#ab ,u4,s4,c4 #ahdc7k77 be=e if--2 & 7ii7 9 clause 7i71 by ins]t+ ( #aief 7#ab ,u4,s4,c4 #ahdc7l7 & 7m77 aft] ,company ,act2 & 7,c7 9 subsection 7e77#g77;,b77iii7-- 7i7 by /rik+ ,bo>d ( ! ,(fice ( ,?rift ,sup]vision & ins]t+ ,director ( ! ,(fice ( ,?rift ,sup]vision2 & 7ii7 by ins]t+ 7z def9$ 9 section #b ( ! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act 7#ab ,u4,s4,c4 #ecja77 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$-- 7#a7 9 ! section head+1 by /rik+ & ! ,(fice ( ,?rift ,sup]vision2 7#b7 by /rik+ subsection 7b72 7#c7 by /rik+ 7a7 ,9 g5]al4--2 & 7#d7 by /rik+ #d & ins]t+ #c4 7gg7 ,int]/ate l& sales full disclosure act ,! ,int]/ate ,l& ,sales ,full ,disclosure ,act 7#ae ,u4,s4,c4 #agja et seq47 is am5d$-- 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 7p71 & mov+ t subsection s x foll[s subsection 7o72 7,c7 by r$esignat+ subsections 7k7 & 7l7 7relat+ to /&>d ( conduct & o!r matt]s1 respectively71 z add$ by section #iac7;g77#a7 ( ! ,inve/or ,protection & ,securities ,re=m ,act ( #bjaj 7title ,,ix ( ,public ,law #aaa-bjc2 #abd ,/at4 #ahbh71 z subsections 7q7 & 7r71 respectively & mov+ ^? subsections to ! end2 & 7,d7 9 subsection 7m71 9 ! undesignat$ matt] foll[+ p>agraph 7#b71 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#b7-- 7i7 9 subp>agraph 7,a71 by ins]t+ 8a0 aft] 8t acts z an advisor to02 & 7ii7 9 subp>agraph 7,b71 by ins]t+ a aft] (f]s to ent] into2 & 7,b7 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$]al ,h\s+2 & 7,b7 9 subsection 7e7-- 7i7 9 p>agraph 7#d7-- 7,i7 9 subp>agraph 7,a71 by /rik+ subsection & ins]t+ section2 & 7,,ii7 9 subp>agraph 7,c7-- 7aa7 by /rik+ #abi;,c7c77#b7 & ins]t+ #abi;,c7b77#b77;,a72 & 7bb7 by ins]t+ 7#ae ,u4,s4,c4 #afci;c7b77#b77;,a77 aft] ,l5d+ ,act2 & 7ii7 9 p>agraph 7#e71 by /rik+ subsection & ins]t+ section2 & 7#h7 9 section #ag;,a 7#ae ,u4,s4,c4 #ghq-#a71 by r$esignat+ ! second subsection designat$ z subsection 7g71 z add$ by section #ibi,w ( ! ,inve/or ,protection & ,securities ,re=m ,act ( #bjaj 7title ,,ix ( ,public ,law #aaa-bjc2 #abd ,/at4 #ahfi7 7relat+ to due dilig5ce = ! deliv]y ( divid5ds1 int]e/1 & o!r valuable prop]ty rights71 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$1 h[ev]1 t no?+ 9 ?is section %all conflict ) or sup]s$e section #f ( ! ,f$]al ,trade ,commission ,act 7#ae ,u4,s4,c4 #df74 7qq7 ,title #e ,title #e1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 section #cacb7;a77#a77;,d71 by /rik+ ! ,(fice ( ,?rift ,sup]vision11 ! ,resolution ,tru/ ,corporation12 & 7#b7 9 section #ecad1 by /rik+ ,director ( ! ,(fice ( ,?rift ,sup]vision44 7rr7 ,title #ca 7#a7 ,am5dm5ts ,title #ca1 ,unit$ ,/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 7ss7 ,tru? 9 ,l5d+ ,act ,! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afja et seq47 is am5d$-- 7#a7 9 section #ajc7;dd77#b77;,e77v7 7#ae ,u4,s4,c4 #afjb7;dd77#b77;,e77v771 z r$esignat$ by section #iji7;a77#a7 ( ?is ,act1 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 ( ! ,mortgage ,re=m & ,anti-,pr$atory ,l5d+ ,act 7title ,,xiv ( ,public ,law #aaa-bjc2 #abd ,/at4 #baij71 be=e subsection 7i71 z add$ by section #aajj;,a7#g7 ( ! ,consum] ,f9ancial ,protection ,act ( #bjaj 7title ,x ( ,public ,law #aaa-bjc2 #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+ & ! ,bureau2 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$it ,union ,adm9i/ration ,bureau ea* place t t]m appe>s & ins]t+ ,national ,cr$it ,union ,adm9i/ration ,bo>d2 & 7,c7 by /rik+ ,bureau ( ,directors ( ! ,f$]al ,deposit ,insurance ,corporation ea* place t t]m appe>s & ins]t+ ,bo>d ( ,directors ( ! ,f$]al ,deposit ,insurance ,corporation2 & 7#ab7 9 section #aha7a7 7#ae ,u4,s4,c4 #affg7a771 by /rik+ #ajc7;g7 & ins]t+ #ajc7;h74 7tt7 ,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 #iii;,g4 ,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 title4 #iii;,h4 ,effective dates ,except z o!rwise specifically provid$ 9 ?is title-- 7#a7 ! am5dm5ts made by ?is title 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$iately aft] ! provision takes effect2 & 7#b7 ! am5dm5ts made by ?is title to a provision ( law am5d$ 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$iately aft] ! am5dm5t made by ! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act takes effect4 ,?is ,act may be cit$ z ! ,f9ancial ,s]vices & ,g5]al ,gov]nm5t ,appropriations ,act1 #bjaf4 ,july #cj1 #bjae,read twice & plac$ on ! cal5d>