,,ib  ,union ,cal5d> ,no4 #cjf  #aae?   
,,congress  #a/ ,session  ,h4 ,r4 #bgjf 
,report ,no4 #aae-dad  ,,9 ,,! ,,h\se   
,,( ,,repres5tatives  ,may #be1 #bjag   
,mr4 ,luetkemey] 7= himself1 ,mr4       
,ro?fus1 ,mr4 ,sessions1 ,mr4 ,budd1    
,mr4 ,/iv]s1 ,mr4 ,pitt5g]1 ,mr4        
,tipton1 ,mr4 ,williams1 ,mr4 ,lucas1   
,mr4 ,holl+swor?1 ,mr4 ,hultgr51 ,mr4   
,mac,arthur1 & ,ms4 ,t5ney7 introduc$ ! 
foll[+ bill2 :i* 0 ref]r$ to !          
,committee on ,f9ancial ,s]vices        
,novemb] #af1 #bjag;,additional         
sponsors3 ,mr4 ,rodney ,davis (         
,ill9ois1 ,mr4 ,ross1 ,mr4 ,l\d]milk1   
,mr4 ,emm]1 ,mr4 ,graves ( ,miss\ri1    
,mr4 ,latta1 & ,mr4 ,faso  ,novemb] #af1
 #bjag ,report$ ) an am5dm5t1 committ$  
to ! ,committee ( ! ,:ole ,h\se on !    
,/ate ( ! ,union1 & ord]$ to be pr9t$   
,/rike out all aft] ! enact+ clause &   
ins]t ! "p pr9t$ 9 italic ,= text (     
introduc$ bill1 see copy ( bill z       
introduc$ on ,may #be1 #bjag  ,a ,,bill 
,to provide requirem5ts = ! appropriate 

,f$]al bank+ ag5cies :5 reque/+ or ord]+
 a depository in/itution to t]m9ate a   
specific cu/om] acc\nt1 to provide =    
additional requirem5ts relat$ to        
subpo5as issu$ "u ! ,f9ancial           
,in/itutions ,re=m1 ,recov]y1 &         
,en=cem5t ,act ( #aihi1 & = o!r         
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,f9ancial ,in/itution      
,cu/om] ,protection ,act ( #bjag4  #b4  
,requirem5ts = deposit acc\nt t]m9ation 
reque/s & ord]s  7a7 ,t]m9ation reque/s 
or ord]s mu/ be valid  7#a7 ,9 g5]al ,an
 appropriate ,f$]al bank+ ag5cy may n   
=mally or in=mally reque/ or ord] a     
depository in/itution to t]m9ate a      
specific cu/om] acc\nt or gr\p ( cu/om] 
acc\nts or to o!rwise re/rict or        
disc\rage a depository in/itution f     
ent]+ into or ma9ta9+ a bank+           
relation%ip ) a specific cu/om] or gr\p 
( cu/om]s unless--  7,a7 ! ag5cy has a  
valid reason = su* reque/ or ord]2 &    
7,b7 su* reason is n bas$ solely on     
reputation risk4  7#b7 ,treatm5t (      

national security ?reats ,if an         
appropriate ,f$]al bank+ ag5cy believes 
a specific cu/om] or gr\p ( cu/om]s is1 
or is act+ z a conduit =1 an entity     
:i*--  7,a7 poses a ?reat to national   
security2  7,b7 is involv$ 9 t]rori/    
f9anc+2  7,c7 is an ag5cy ( ! ,gov]nm5t 
( ,iran1 ,nor? ,korea1 ,syria1 or any   
c\ntry li/$ f "t to "t on ! ,/ate       
,sponsors ( ,t]rorism li/2  7,d7 is     
locat$ 91 or is subject to !            
jurisdiction (1 any c\ntry specifi$ 9   
subp>agraph 7,c72 or  7,e7 does bus9ess 
) any entity describ$ 9 subp>agraph 7,c7
 or 7,d71 unless ! appropriate ,f$]al   
bank+ ag5cy det]m9es t ! cu/om] or gr\p 
( cu/om]s has us$ due dilig5ce to avoid 
do+ bus9ess ) any entity describ$ 9     
subp>agraph 7,c7 or 7,d71  su* belief   
%all satisfy ! requirem5t "u p>agraph   
7#a74  7b7 ,notice requirem5t  7#a7 ,9  
g5]al ,if an appropriate ,f$]al bank+   
ag5cy =mally or in=mally reque/s or     
ord]s a depository in/itution to t]m9ate
 a specific cu/om] acc\nt or a gr\p (   

cu/om] acc\nts1 ! ag5cy %all--  7,a7    
provide su* reque/ or ord] to !         
in/itution 9 writ+2 &  7,b7 accompany   
su* reque/ or ord] ) a writt5           
ju/ification = :y su* t]m9ation is ne$$1
 includ+ any specific laws or           
regulations ! ag5cy believes are be+    
violat$ by ! cu/om] or gr\p ( cu/om]s1  
if any4  7#b7 ,ju/ification requirem5t  
,a ju/ification describ$ "u p>agraph    
7#a77;,b7 may n be bas$ solely on !     
reputation risk to ! depository         
in/itution4  7c7 ,cu/om] notice  7#a7   
,notice requir$ ,except z provid$ "u    
p>agraph 7#b71 if an appropriate ,f$]al 
bank+ ag5cy ord]s a depository          
in/itution to t]m9ate a specific cu/om] 
acc\nt or a gr\p ( cu/om] acc\nts1 !    
depository in/itution %all in=m ! cu/om]
 or cu/om]s ( ! ju/ification = !        
cu/om]'s acc\nt t]m9ation describ$ "u   
subsection 7b74  7#b7 ,notice prohibit$ 
9 cases ( national security ,if an      
appropriate ,f$]al bank+ ag5cy reque/s  
or ord]s a depository in/itution to     

t]m9ate a specific cu/om] acc\nt or a   
gr\p ( cu/om] acc\nts bas$ on a belief t
 ! cu/om] or cu/om]s pose a ?reat to    
national security1 or are o!rwise       
describ$ "u subsection 7a77#b71 nei!r ! 
depository in/itution nor ! appropriate 
,f$]al bank+ ag5cy may in=m ! cu/om] or 
cu/om]s ( ! ju/ification = ! cu/om]'s   
acc\nt t]m9ation4  7d7 ,report+         
requirem5t ,ea* appropriate ,f$]al bank+
 ag5cy %all issue an annual report to ! 
,congress /at+-- 7#a7 ! aggregate numb] 
( specific cu/om] acc\nts t ! ag5cy     
reque/$ or ord]$ a depository in/itution
 to t]m9ate dur+ ! previ\s ye>2 &  7#b7 
! legal au?ority on :i* ! ag5cy reli$ 9 
mak+ su* reque/s & ord]s & ! frequ5cy on
 :i* ! ag5cy reli$ on ea* su* au?ority4 
7e7 ,def9itions ,= purposes ( ?is       
section3 7#a7 ,appropriate ,f$]al bank+ 
ag5cy ,! t]m appropriate ,f$]al bank+   
ag5cy means--  7,a7 ! appropriate ,f$]al
 bank+ ag5cy1 z def9$ "u section #c ( ! 
,f$]al ,deposit ,insurance ,act 7#ab    
,u4,s4,c4 #ahac72 &  7,b7 ! ,national   

,cr$it ,union ,adm9i/ration1 9 ! case ( 
an insur$ cr$it union4  7#b7 ,depository
 in/itution ,! t]m depository in/itution
 means--  7,a7 a depository in/itution1 
z def9$ "u section #c ( ! ,f$]al        
,deposit ,insurance ,act 7#ab ,u4,s4,c4 
#ahac72 &  7,b7 an insur$ cr$it union4  
,novemb] #af1 #bjag ,report$ ) an       
am5dm5t1 committ$ to ! ,committee ( !   
,:ole ,h\se on ! ,/ate ( ! ,union1 &    
ord]$ to be pr9t$