#aaeth ,,congress #b;d ,session ,h4 ,r4 #bbee ,,an ,,act ,to clarify that nonprofit organizations may accept donated mortgage appraisals1 and for other purposes4 ,i ,housing ,opportunities ,made ,easier #aja4 ,exemption from ,truth in ,lending ,act ,section #abi;,e7i7 of the ,truth in ,lending ,act 7#ae ,u4,s4,c4 #afci;e7i77 is amended by adding at the end the following3 7#d7 ,rule of construction related to appraisal donations ,for purposes of paragraph 7#a71 if a fee appraiser voluntarily donates appraisal services to an organization described in section #agj7;c77#b7 of the ,internal ,revenue ,code of #aihf1 such voluntary donation shall be deemed customary and reasonable4 4 ,,ii ,expanding ,access to ,capital for ,rural ,job ,creators #bja4 ,access to capital for rural-area small businesses ,section #d of the ,securities ,exchange ,act of #aicd 7#ae ,u4,s4,c4 #gh;d7 is amended-- 7#a7 in subsection 7j77#d77;,c71 by striking and women-owned small businesses and inserting 1 women-owned1 and rural-area small businesses2 and 7#b7 in subsection 7j77#f77;,b77iii71 by striking and women-owned small businesses and inserting 1 women-owned1 and rural-area small businesses4 ,,iii ,senior ,safe #cja4 ,immunity 7a7 ,definitions ,in this title-- 7#a7 the term ,bank ,secrecy ,act officer means an individual responsible for ensuring compliance with the requirements mandated by subchapter ,,ii of chapter #ec of title #ca1 ,united ,states ,code 7commonly known as the ,bank ,secrecy ,act72 7#b7 the term broker-dealer means a broker and a dealer1 as those terms are defined in section #c7;a7 of the ,securities ,exchange ,act of #aicd 7#ae ,u4,s4,c4 #gh;c7a772 7#c7 the term covered agency means-- 7,a7 a ,state financial regulatory agency1 including a ,state securities or law enforcement authority and a ,state insurance regulator2 7,b7 each of the entities represented in the membership of the ,federal ,financial ,institutions ,examination ,council established under section #ajjd of the ,federal ,financial ,institutions ,examination ,council ,act of #aigh 7#ab ,u4,s4,c4 #ccjc72 7,c7 the ,securities and ,exchange ,commission2 7,d7 a securities association registered under section #ae;,a of the ,securities ,exchange ,act of #aicd 7#ae ,u4,s4,c4 #gho-#c72 7,e7 a law enforcement agency2 and 7,f7 a ,state or local agency responsible for administering adult protective service laws2 7#d7 the term covered financial institution means-- 7,a7 a credit union2 7,b7 a depository institution2 7,c7 an investment adviser2 7,d7 a broker-dealer2 7,e7 an insurance company2 7,f7 an insurance agency2 and 7,g7 a transfer agent2 7#e7 the term credit union has the meaning given the term in section #b of the ,dodd-,frank ,wall ,street ,reform and ,consumer ,protection ,act 7#ab ,u4,s4,c4 #ecja72 7#f7 the term depository institution has the meaning given the term in section #c7;c7 of the ,federal ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahac7;c772 7#g7 the term exploitation means the fraudulent or otherwise illegal1 unauthorized1 or improper act or process of an individual1 including a caregiver or a fiduciary1 that-- 7,a7 uses the resources of a senior citizen for monetary or personal benefit1 profit1 or gain2 or 7,b7 results in depriving a senior citizen of rightful access to or use of benefits1 resources1 belongings1 or assets2 7#h7 the term insurance agency means any business entity that sells1 solicits1 or negotiates insurance coverage2 7#i7 the term insurance company has the meaning given the term in section #b7;a7 of the ,investment ,company ,act of #aidj 7#ae ,u4,s4,c4 #hj;a-#b7;a772 7#aj7 the term insurance producer means an individual who is required under ,state law to be licensed in order to sell1 solicit1 or negotiate insurance coverage2 7#aa7 the term investment adviser has the meaning given the term in section #bjb7;a7 of the ,investment ,advisers ,act of #aidj 7#ae ,u4,s4,c4 #hj;b-#b7;a772 7#ab7 the term investment adviser representative means an individual who-- 7,a7 is employed by or associated with an investment adviser2 and 7,b7 does not perform solely clerical or ministerial acts2 7#ac7 the term registered representative means an individual who represents a broker-dealer in effecting or attempting to effect a purchase or sale of securities2 7#ad7 the term senior citizen means an individual who is not younger than #fe years of age2 7#ae7 the term ,state means each of the several ,states1 the ,district of ,columbia1 and any territory or possession of the ,united ,states2 7#af7 the term ,state insurance regulator has the meaning given the term in section #cae of the ,gramm-,leach-,bliley ,act 7#ae ,u4,s4,c4 #fgce72 7#ag7 the term ,state securities or law enforcement authority has the meaning given the term in section #bd7;f77#d7 of the ,securities ,exchange ,act of #aicd 7#ae ,u4,s4,c4 #ghx7f77#d772 and 7#ah7 the term transfer agent has the meaning given the term in section #c7;a7 of the ,securities ,exchange ,act of #aicd 7#ae ,u4,s4,c4 #gh;c7a774 7b7 ,immunity from suit 7#a7 ,immunity for individuals ,an individual who has received the training described in section #cjb shall not be liable1 including in any civil or administrative proceeding1 for disclosing the suspected exploitation of a senior citizen to a covered agency if the individual1 at the time of the disclosure-- 7,a7 served as a supervisor or compliance officer 7including as a ,bank ,secrecy ,act officer7 for1 or1 in the case of a registered representative1 investment adviser representative1 or insurance producer1 was affiliated or associated with1 a covered financial institution2 and 7,b7 made the disclosure-- 7i7 in good faith2 and 7ii7 with reasonable care4 7#b7 ,immunity for covered financial institutions ,a covered financial institution shall not be liable1 including in any civil or administrative proceeding1 for a disclosure made by an individual described in paragraph 7#a7 if-- 7,a7 the individual was employed by1 or1 in the case of a registered representative1 insurance producer1 or investment adviser representative1 affiliated or associated with1 the covered financial institution at the time of the disclosure2 and 7,b7 before the time of the disclosure1 each individual described in section #cjb7;a7 received the training described in section #cjb4 7#c7 ,rule of construction ,nothing in paragraph 7#a7 or 7#b7 shall be construed to limit the liability of an individual or a covered financial institution in a civil action for any act1 omission1 or fraud that is not a disclosure described in paragraph 7#a74 #cjb4 ,training 7a7 ,in general ,a covered financial institution or a third party selected by a covered financial institution may provide the training described in subsection 7b77#a7 to each officer or employee of1 or registered representative1 insurance producer1 or investment adviser representative affiliated or associated with1 the covered financial institution who-- 7#a7 is described in section #cja7;b77#a77;,a72 7#b7 may come into contact with a senior citizen as a regular part of the professional duties of the individual2 or 7#c7 may review or approve the financial documents1 records1 or transactions of a senior citizen in connection with providing financial services to a senior citizen4 7b7 ,content 7#a7 ,in general ,the content of the training that a covered financial institution or a third party selected by the covered financial institution may provide under subsection 7a7 shall-- 7,a7 be maintained by the covered financial institution and made available to a covered agency with examination authority over the covered financial institution1 upon request1 except that a covered financial institution shall not be required to maintain or make available such content with respect to any individual who is no longer employed by or affiliated or associated with the covered financial institution2 7,b7 instruct any individual attending the training on how to identify and report the suspected exploitation of a senior citizen internally and1 as appropriate1 to government officials or law enforcement authorities1 including common signs that indicate the financial exploitation of a senior citizen2 7,c7 discuss the need to protect the privacy and respect the integrity of each individual customer of the covered financial institution2 and 7,d7 be appropriate to the job responsibilities of the individual attending the training4 7#b7 ,timing ,the training under subsection 7a7 shall be provided-- 7,a7 as soon as reasonably practicable2 and 7,b7 with respect to an individual who begins employment with or becomes affiliated or associated with a covered financial institution after the date of enactment of this ,act1 not later than #a year after the individual becomes employed by or affiliated or associated with the covered financial institution in a position described in paragraph 7#a71 7#b71 or 7#c7 of subsection 7a74 7#c7 ,records ,a covered financial institution shall-- 7,a7 maintain a record of each individual who-- 7i7 is employed by or affiliated or associated with the covered financial institution in a position described in paragraph 7#a71 7#b71 or 7#c7 of subsection 7a72 and 7ii7 has completed the training under subsection 7a71 regardless of whether the training was-- 7,i7 provided by the covered financial institution or a third party selected by the covered financial institution2 7,,ii7 completed before the individual was employed by or affiliated or associated with the covered financial institution2 and 7,,iii7 completed before1 on1 or after the date of enactment of this ,act2 and 7,b7 upon request1 provide a record described in subparagraph 7,a7 to a covered agency with examination authority over the covered financial institution4 #cjc4 ,relationship to ,state law ,nothing in this title shall be construed to preempt or limit any provision of ,state law1 except only to the extent that section #cja provides a greater level of protection against liability to an individual described in section #cja7;b77#a7 or to a covered financial institution described in section #cja7;b77#b7 than is provided under ,state law4 ,passed the ,house of ,representatives ,january #bi1 #bjah4;,clerk4