,,iib  #aae? ,,congress  #a/ ,session   
,h4 ,r4 #ccab  ,,9 ,,! ,,s5ate ,,( ,,!  
,,unit$ ,,/ates  ,decemb] #bj1          
#bjag,receiv$2 read twice & ref]r$ to ! 
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs  ,,an ,,act  ,to am5d !        
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act to specify :5 
bank hold+ companies may be subject to  
c]ta9 enhanc$ sup]vision1 & = o!r       
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,sy/emic ,risk ,designation
 ,improvem5t ,act ( #bjag4  #b4         
,revisions to ,c\ncil au?ority  7a7     
,purposes & duties ,section #aab ( !    
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecbb7 is am5d$ 9 subsection           
7a77#b77;,i7 by ins]t+ be=e ! semicolon 
1 :i* h be5 id5tifi$ z global           
sy/emically important bank hold+        
companies pursuant to section #bag4djb (
 title #ab1 ,code ( ,f$]al ,regulations1
 or subject$ to a det]m9ation "u        
subsection 7l7 ( section #afe4  7b7     

,enhanc$ sup]vision ,section #aae ( !   
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecbe7 is am5d$--  7#a7 9 subsection   
7a77#a71 by /rik+ l>ge1 int]connect$    
bank hold+ companies & ins]t+ bank hold+
 companies :i* h be5 id5tifi$ z global  
sy/emically important bank hold+        
companies pursuant to section #bag4djb (
 title #ab1 ,code ( ,f$]al ,regulations1
 or subject$ to a det]m9ation "u        
subsection 7l7 ( section #afe2 &  7#b7 9
 subsection 7a77#b7-- 7,a7 9 subp>agraph
 7,a71 by /rik+ 2 or at ! end & ins]t+ a
 p]iod2  7,b7 by /rik+ ! ,c\ncil may &  
all t foll[s ?r\gh diff]5tiate & ins]t+ 
! ,c\ncil may diff]5tiate2 &  7,c7 by   
/rik+ subp>agraph 7,b74  7c7 ,reports   
,section #aaf7;a7 ( ! ,dodd-,frank ,wall
 ,/reet ,re=m & ,consum] ,protection    
,act 7#ab ,u4,s4,c4 #ecbf7;a77 is am5d$ 
by /rik+ ) total consolidat$ assets (   
#ej1jjj1jjj1jjj or great] & ins]t+ :i*  
has be5 id5tifi$ z a global sy/emically 
important bank hold+ company pursuant to

 section #bag4djb ( title #ab1 ,code (  
,f$]al ,regulations1 or subject$ to a   
det]m9ation "u subsection 7l7 ( section 
#afe4  7d7 ,mitigation ,section #aba7;a7
 ( ! ,dodd-,frank ,wall ,/reet ,re=m &  
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecca7 is am5d$ by /rik+ ) total       
consolidat$ assets ( #ej1jjj1jjj1jjj or 
m & ins]t+ :i* has be5 id5tifi$ z a     
global sy/emically important bank hold+ 
company pursuant to section #bag4djb (  
title #ab1 ,code ( ,f$]al ,regulations1 
or subject$ to a det]m9ation "u         
subsection 7l7 ( section #afe4  7e7     
,(fice ( f9ancial rese>* ,section #aee (
 ! ,dodd-,frank ,wall ,/reet ,re=m &    
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecde7 is am5d$ 9 subsection 7d7 by    
/rik+ ) total consolidat$ assets (      
#ej1jjj1jjj1jjj or great] & ins]t+ :i* h
 be5 id5tifi$ z global sy/emically      
important bank hold+ companies pursuant 
to section #bag4djb ( title #ab1 ,code (
 ,f$]al ,regulations1 or subject$ to a  
det]m9ation "u subsection 7l7 ( section 

#afe4  #c4 ,revisions to ,bo>d au?ority 
7a7 ,acquisitions ,section #afc ( !     
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecfc7 is am5d$ by /rik+ ) total       
consolidat$ assets equal to or great]   
?an #ej1jjj1jjj1jjj ea* place su* t]m   
appe>s & ins]t+ :i* has be5 id5tifi$ z a
 global sy/emically important bank hold+
 company pursuant to section #bag4djb ( 
title #ab1 ,code ( ,f$]al ,regulations1 
or subject$ to a det]m9ation "u         
subsection 7l7 ( section #afe4  7b7     
,managem5t int]locks ,section #afd ( !  
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecfd7 is am5d$ by /rik+ ) total       
consolidat$ assets equal to or great]   
?an #ej1jjj1jjj1jjj & ins]t+ :i* has be5
 id5tifi$ z a global sy/emically        
important bank hold+ company pursuant to
 section #bag4djb ( title #ab1 ,code (  
,f$]al ,regulations1 or subject$ to a   
det]m9ation "u subsection 7l7 ( section 
#afe4  7c7 ,enhanc$ sup]vision &        

prud5tial /&>ds ,section #afe ( !       
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecfe7 is am5d$--  7#a7 9 subsection   
7a71 by /rik+ ) total consolidat$ assets
 equal to or great] ?an #ej1jjj1jjj1jjj 
& ins]t+ :i* h be5 id5tifi$ z global    
sy/emically important bank hold+        
companies pursuant to section #bag4djb (
 title #ab1 ,code ( ,f$]al ,regulations1
 or subject$ to a det]m9ation "u        
subsection 7l72  7#b7 9 subsection      
7a77#b7-- 7,a7 by /rik+ 7,a7 ,9         
g5]al4--2  7,b7 9 subp>agraph 7,a71 by  
/rik+ may & ins]t+ %all2 &  7,c7 by     
/rik+ subp>agraph 7,b72 &  7#c7 9       
subsection 7j71 by /rik+ ) total        
consolidat$ assets equal to or great]   
?an #ej1jjj1jjj1jjj & ins]t+ :i* has be5
 id5tifi$ z a global sy/emically        
important bank hold+ company pursuant to
 section #bag4djb ( title #ab1 ,code (  
,f$]al ,regulations1 or subject$ to a   
det]m9ation "u subsection 7l74  7d7     
,advanc$ tailor+ ,section #afe ( !      

,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecfe7 is am5d$ by add+ at ! end !     
foll[+3  7l7 ,additional bank hold+     
companies subject to enhanc$ sup]vision 
& prud5tial /&>ds by tailor$ regulation 
7#a7 ,det]m9ation ,! ,bo>d ( ,gov]nors  
may1 )9 ! limits ( its exi/+ res\rces-- 
7,a7 det]m9e t a bank hold+ company t   
has n be5 id5tifi$ z a global           
sy/emically important bank hold+ company
 pursuant to section #bag4djb ( title   
#ab1 ,code ( ,f$]al ,regulations1 %all  
be subject to c]ta9 enhanc$ sup]vision  
or prud5tial /&>ds "u ?is section1      
tailor$ to ! risks pres5t$1 bas$ on !   
consid]ations 9 p>agraph 7#c71 :]e      
mat]ial f9ancial di/ress at ! bank hold+
 company1 or ! nature1 scope1 size1     
scale1 conc5tration1 int]connect$ness1  
or mix ( ! activities ( ! individual    
bank hold+ company1 c\ld pose a ?reat to
 ! f9ancial /ability ( ! ,unit$ ,/ates2 
or  7,b7 by regulation det]m9e t a      
category ( bank hold+ companies t h n   

be5 id5tifi$ z global sy/emically       
important bank hold+ companies pursuant 
to section #bag4djb ( title #ab1 ,code (
 ,f$]al ,regulations1 %all be subject to
 c]ta9 enhanc$ sup]vision or prud5tial  
/&>ds "u ?is section1 tailor$ to ! risk 
pres5t$ by ! category ( bank hold+      
companies1 bas$ on ! consid]ations 9    
p>agraph 7#c71 :]e mat]ial f9ancial     
di/ress at ! category ( bank hold+      
companies1 or ! nature1 scope1 size1    
scale1 conc5tration1 int]connect$ness1  
or mix ( ! activities ( ! category (    
bank hold+ companies1 c\ld pose a ?reat 
to ! f9ancial /ability ( ! ,unit$       
,/ates4  7#b7 ,c\ncil approval (        
regulations ) respect to categories     
,not)/&+ p>agraph 7#a77;,b71 a          
regulation issu$ by ! ,bo>d ( ,gov]nors 
to make a det]m9ation "u su* p>agraph   
7#a77;,b7 %all n take effect unless !   
,c\ncil1 by a vote ( n few] ?an         
two-?irds ( ! vot+ memb]s !n s]v+1      
includ+ an affirmative vote by !        
,*airp]son1 approves ! metrics us$ by ! 

,bo>d ( ,gov]nors 9 e/abli%+ su*        
regulation4  7#c7 ,consid]ations ,9 mak+
 any det]m9ation "u p>agraph 7#a71 !    
,bo>d ( ,gov]nors %all consid] ! foll[+ 
factors3  7,a7 ,! size ( ! bank hold+   
company4  7,b7 ,! int]connect$ness ( !  
bank hold+ company4  7,c7 ,! ext5t (    
readily available sub/itutes or f9ancial
 in/itution infra/ructure = ! s]vices ( 
! bank hold+ company4  7,d7 ,! global   
cross-jurisdictional activity ( ! bank  
hold+ company4  7,e7 ,! complexity ( !  
bank hold+ company4  7#d7 ,consi/5t     
application ( consid]ations ,9 mak+ a   
det]m9ation "u p>agraph 7#a71 ! ,bo>d ( 
,gov]nors %all ensure t bank hold+      
companies t are simil>ly situat$ )      
respect to ! factors describ$ "u        
p>agraph 7#c71 are treat$ simil>ly =    
purposes ( any enhanc$ sup]vision or    
prud5tial /&>ds appli$ "u ?is section4  
7#e7 ,use ( curr5tly report$ data to    
avoid unnecess>y burd5 ,= purposes (    
mak+ a det]m9ation "u p>agraph 7#a71 !  
,bo>d ( ,gov]nors %all make use ( data  

already be+ report$ to ! ,bo>d (        
,gov]nors1 includ+ f calculat+ a bank   
hold+ company's sy/emic indicator score1
 9 ord] to avoid plac+ an unnecess>y    
burd5 on bank hold+ companies4  4  7e7  
,sy/emic id5tification ,section #afe ( !
 ,dodd-,frank ,wall ,/reet ,re=m &      
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecfe71 z am5d$ by subsection 7d71 is  
fur!r am5d$ by add+ at ! end ! foll[+3  
7m7 ,sy/emic id5tification ,) respect to
 ! id5tification ( bank hold+ companies 
z global sy/emically important bank     
hold+ companies pursuant to section     
#bag4djb ( title #ab1 ,code ( ,f$]al    
,regulations1 or subject$ to a          
det]m9ation "u subsection 7l71 ! ,bo>d (
 ,gov]nors %all--  7#a7 publi%1 includ+ 
on ! ,bo>d ( ,gov]nors's website1 a li/ 
( all bank hold+ companies t h be5 s    
id5tifi$1 & keep su* li/ curr5t2 &  7#b7
 solicit fe$back f ! ,c\ncil on !       
id5tification process & on ! application
 ( su* process to specific bank hold+   
companies4  4  #d4 ,rule ( con/ruction  

,no?+ 9 ?is ,act or ! am5dm5ts made by  
?is ,act %all be con/ru$ to prohibit !  
,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve    
,sy/em f prescrib+ enhanc$ prud5tial    
/&>ds = any bank hold+ company :i* !    
,bo>d ( ,gov]nors det]m9es1 bas$ ^u !   
bank hold+ company's size1              
int]connect$ness1 sub/itutability1      
global cross-jurisdictional activity1 & 
complexity1 c\ld pose a safety &        
s\ndness risk to ! /ability ( ! ,unit$  
,/ates bank+ or f9ancial sy/em b has n  
be5 designat$ z a global sy/emically    
important bank hold+ company4  #e4      
,exi/+ assessm5t t]m9ation s*$ule  7a7  
,tempor>y ext5sion ( exi/+ assessm5t    
7#a7 ,9 g5]al ,ea* bank hold+ company t1
 on ! day t is #bd mon?s foll[+ ! date (
 ! enactm5t ( ?is ,act1 has total       
consolidat$ assets equal to or great]   
?an #ej1jjj1jjj1jjj1 has n be5 id5tifi$ 
z a global sy/emically important bank   
hold+ company pursuant to section       
#bag4djb ( title #ab1 ,code ( ,f$]al    
,regulations1 & has n be5 subject$ to a 

det]m9ation "u subsection 7l7 ( section 
#afe ( ! ,dodd-,frank ,wall ,/reet ,re=m
 & ,consum] ,protection ,act1 %all be   
subject to assessm5ts by ! ,secret>y ( !
 ,treasury to ! same ext5t z a bank     
hold+ company t has be5 s id5tifi$ or   
subject$4  7#b7 ,consid]ations ,9 mak+  
assessm5ts pursuant to p>agraph 7#a71 ! 
,secret>y ( ! ,treasury %all take into  
acc\nt diff]5ces among ! bank hold+     
companies subject to su* assessm5t1 bas$
 on ! consid]ations = e/abli%+ !        
prud5tial /&>ds "u section #aae ( !     
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecbe74  7#c7 ,limitation on am\nt (   
assessm5ts ,! aggregate am\nt collect$  
pursuant to p>agraph 7#a7 f all bank    
hold+ companies assess$ "u su* p>agraph 
%all be #eh1jjj1jjj4  7#d7 ,paym5t p]iod
 options ,! ,secret>y ( ! ,treasury %all
 (f] ! option ( paym5ts spread out be=e 
! end ( ! #dh-mon? p]iod foll[+ ! date (
 ! enactm5t ( ?is ,act1 or %ort] p]iods 
includ+ ! option ( a "o-"t paym5t1 at ! 

discretion ( ea* bank hold+ company pay+
 assessm5ts pursuant to p>agraph 7#a74  
7#e7 ,assessm5ts to be made 9 addition  
to any o!r assessm5ts ,! assessm5ts     
collect$ pursuant to p>agraph 7#a7 %all 
be 9 addition to1 & n z a replacem5t (1 
any assessm5ts requir$ "u any o!r law4  
7b7 ,treatm5t ^u det]m9ation ,a bank    
hold+ company assess$ "u ?is section    
%all no long] be subject to su*         
assessm5ts 9 ! ev5t x is id5tifi$ z a   
global sy/emically important bank hold+ 
company pursuant to section #bag4djb (  
title #ab1 ,code ( ,f$]al ,regulations1 
or subject$ to a det]m9ation "u         
subsection 7l7 ( section #afe ( !       
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act4 ,any prior   
paym5ts made by su* a bank+ hold+       
company pursuant to an assessm5t "u ?is 
section %all be nonrefundable4  #f4     
,effective date ,! am5dm5ts made by ?is 
,act %all take effect aft] ! end ( !    
#ah-mon? p]iod foll[+ ! date ( !        
enactm5t ( ?is ,act4  ,pass$ ! ,h\se (  

,repres5tatives ,decemb] #ai1 #bjag4,k>5
 ,l4 ,haas1,cl]k4