,,ii  #aad? ,,congress  #a/ ,session    
,s4 #hga  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,m>* #bf1 #bjae,mr4    
,mc,connell 7= himself1 ,mr4 ,hell]1    
,mrs4 ,capito1 & ,mr4 ,paul7 introduc$ !
 foll[+ bill2 :i* 0 read twice & ref]r$ 
to ! ,committee on ,bank+1 ,h\s+1 &     
,urban ,affairs  ,a ,,bill  ,to provide 
= an application process = int]e/$      
p>ties to apply = an area to be         
designat$ z a rural area1 & = o!r       
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,help+ ,exp& ,l5d+         
,practices 9 ,rural ,communities ,act ( 
#bjae or ! ,,help ,rural ,communities   
,act ( #bjae4  #b4 ,designation ( rural 
area  7a7 ,application ,n lat] ?an #ij  
days aft] ! date ( ! enactm5t ( ?is     
,act1 ! ,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 su* ,/ate t  
has n be5 designat$ by ! ,bureau z a    
rural area = purposes ( a ,f$]al consum]

 f9ancial law 7z def9$ "u section #ajjb 
( ! ,consum] ,f9ancial ,protection ,act 
( #bjaj71 apply = su* area to be s      
designat$4  7b7 ,evaluation crit]ia ,:5 
evaluat+ an application submitt$ "u     
subsection 7a71 ! ,bureau %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 metropolitan or micropolitan  
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's bank sup]visor1 z def9$ "u   
section #c7r7 ( ! ,f$]al ,deposit       
,insurance ,act 7#ab ,u4,s4,c4          
#ahac7r774  7#f7 ,population d5sity4    
7c7 ,rule ( con/ruction ,if1 at any "t  
prior to ! submission ( an application  

"u subsection 7a71 ! area subject to    
review has be5 designat$ z nonrural by  
any ,f$]al ag5cy describ$ "u subsection 
7b7 us+ any ( ! crit]ia describ$ "u     
subsection 7b71 ! ,bureau %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] 
receiv+ an application submitt$ "u      
subsection 7a71 ! ,bureau %all--  7,a7  
publi% su* application 9 ! ,f$]al       
,regi/]2 &  7,b7 make su* application   
available = public comm5t = n few] ?an  
#ij days4  7#b7 ,limitation on          
additional applications ,no?+ 9 ?is     
section %all be con/ru$ to require !    
,bureau1 dur+ ! public comm5t p]iod )   
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
 "u subsection 7d77#a7 = an application1
 ! ,bureau %all--  7#a7 grant or d5y su*

 application1 9 :ole or 9 "p2 &  7#b7   
publi% su* grant or d5ial 9 ! ,f$]al    
,regi/]1 along ) an explanation ( :at   
factors ! ,bureau reli$ on 9 mak+ su*   
det]m9ation4  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 f accept+ a   
subsequ5t application submitt$ "u       
subsection 7a7 = su* area to be s       
designat$1 s long z su* subsequ5t       
application is made aft] ! end ( !      
#ij-;day p]iod beg9n+ on ! date t !     
,bureau d5ies ! application "u          
subsection 7e74  7g7 ,sunset ,?is       
section %all cease to h any =ce or      
effect aft] ! end ( ! #b-ye> p]iod      
beg9n+ on ! date ( ! enactm5t ( ?is     
,act4  #c4 ,op]ations 9 rural areas ,!  
,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afja 
et seq47 is am5d$-- 7#a7 9 section      
#abi;,c7b77#b77;,e77iv77,i71 by /rik+   
pr$om9antly2 &  7#b7 9 section          
#abi;,d7c77#a71 by /rik+ pr$om9antly4