,,ib  ,union ,cal5d> ,no4 #cac  #aae?   
,,congress  #a/ ,session  ,h4 ,r4 #ccab 
,report ,no4 #aae-dbc  ,,9 ,,! ,,h\se   
,,( ,,repres5tatives  ,july #ai1 #bjag  
,mr4 ,luetkemey] 7= himself1 ,ms4       
,s9ema1 ,mr4 ,williams1 ,mr4 ,david     
,scott ( ,georgia1 ,mr4 ,hill1 ,mr4     
,got!im]1 ,mr4 ,budd1 ,mr4 ,/iv]s1 &    
,mr4 ,meeks7 introduc$ ! foll[+ bill2   
:i* 0 ref]r$ to ! ,committee on         
,f9ancial ,s]vices  ,novemb] #bh1 #bjag 
,additional sponsors3 ,mrs4 ,beatty1    
,mr4 ,sessions1 ,mrs4 ,love1 ,ms4       
,sewell ( ,alabama1 ,mr4 ,ha/+s1 ,mr4   
,pe>ce1 ,mr4 ,pet]s1 ,mr4 ,l\d]milk1    
,mr4 ,posey1 ,mr4 ,mead[s1 ,mr4 ,veasey1
 ,mrs4 ,murphy ( ,florida1 ,mrs4 ,wagn]1
 ,mr4 ,b>r1 ,mr4 ,hultgr51 ,mr4 ,tipton1
 ,ms4 ,jackson ,lee1 ,mr4 ,s*weik]t1    
,mr4 ,gos>1 ,mr4 ,holl+swor?1 ,ms4      
,kelly ( ,ill9ois1 ,mr4 ,curbelo (      
,florida1 ,mr4 ,yoho1 ,mr4 ,web/] (     
,florida1 ,mr4 ,brooks ( ,alabama1 ,mr4 
,c>t] ( ,texas1 ,mr4 ,bu*anan1 ,ms4     
,blunt ,ro*e/]1 ,mr4 ,buc%on1 ,ms4      

,ros-,leht951 ,mr4 ,ma/1 ,mr4 ,smi? (   
,miss\ri1 ,mr4 ,ratcliffe1 ,mr4         
,fitzpatrick1 ,mr4 ,higg9s ( ,new ,york1
 ,mr4 ,ru!r=d1 ,mr4 ,norman1 ,mr4       
,ro?fus1 ,mr4 ,ross1 ,mr4 ,m>*ant1 ,mr4 
,dunn1 ,mr4 ,poe ( ,texas1 ,mr4         
,pitt5g]1 ,mr4 ,graves ( ,georgia1 ,mr4 
,s*neid]1 ,mr4 ,walk]1 ,mr4 ,fleis*mann1
 ,mr4 ,francis ,rooney ( ,florida1 ,mr4 
,mess]1 ,mr4 ,ku/(f ( ,t5nessee1 ,mr4   
,des,jarlais1 ,mr4 ,k+ ( ,new ,york1    
,mr4 ,sam ,johnson ( ,texas1 ,mr4       
,m>%all1 ,mr4 ,emm]1 ,mr4 ,coop]1 ,mrs4 
,brooks ( ,indiana1 ,ms4 ,j5k9s (       
,kansas1 ,mr4 ,pauls51 ,mrs4 ,walorski1 
& ,mr4 ,c(fman  ,novemb] #bh1 #bjag     
,report$ ) an am5dm5t1 committ$ to !    
,committee ( ! ,:ole ,h\se on ! ,/ate ( 
! ,union1 & ord]$ to be pr9t$ ,omit ! "p
 /ruck ?r\gh & ins]t ! "p pr9t$ 9 italic
  ,a ,,bill  ,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 #b_/c ( 
! 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  7f7 ,con=m+ ,am5dm5t ,!  
second subsection 7s7 7relat+ to        
,assessm5ts1 ,fees1 & ,o!r ,*>ges =     
,c]ta9 ,companies7 ( section #aa ( !    
,f$]al ,res]ve ,act 7#ab ,u4,s4,c4 #bdh7
 is am5d$-- 7#a7 by r$esignat+ su*      
subsection z subsection 7t72 &  7#b7 9  
p>agraph 7#b77;,a71 by /rik+ hav+ total 
consolidat$ assets ( #ej1jjj1jjj1jjj or 
m & 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 #afe ( !       
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act4  #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      
,effective date ,! am5dm5ts made by ?is 
,act %all take effect aft] ! end ( !    
#a-ye> #ah-mon? p]iod foll[+ ! date ( ! 
enactm5t ( ?is ,act4  ,novemb] #bh1     

#bjag ,report$ ) an am5dm5t1 committ$ to
 ! ,committee ( ! ,:ole ,h\se on ! ,/ate
 ( ! ,union1 & ord]$ to be pr9t$