#aae? ,,congress  #b;d ,session  ,h4 ,r4
 #dbic  ,,an ,,act  ,to re=m !          
,compreh5sive ,capital ,analysis &      
,review process1 ! ,dodd-,frank ,act    
,/ress ,te/ process1 & = o!r purposes4  
#a4 ,%ort title ,?is ,act may be cit$ z 
! ,/ress ,te/ ,improvem5t ,act ( #bjag4 
#b4 ,,cc> & ,,dfa/ re=ms ,section       
#afe7;i7 ( ! ,dodd-,frank ,wall ,/reet  
,re=m & ,consum] ,protection ,act 7#ab  
,u4,s4,c4 #ecfe7;i77 is am5d$--  7#a7 9 
p>agraph 7#a7-- 7,a7 9 subp>agraph      
7,b77i7--  7i7 by /rik+ #c diff]5t &    
ins]t+ #b diff]5t2 &  7ii7 by /rik+ 1   
adv]se12 &  7,b7 by add+ at ! end !     
foll[+3  7,c7 ,,cc> requirem5ts  7i7    
,limitation on qualitative capital      
plann+ objections ,9 c>ry+ out ,,cc>1 ! 
,bo>d ( ,gov]nors may n object to a     
company's capital plan on ! basis (     
qualitative defici5cies 9 ! company's   
capital plann+ process4  7ii7 ,,cc>     
def9$ ,= purposes ( ?is subp>agraph &   
subp>agraph 7,e71 ! t]m ,,cc> means !   
,compreh5sive ,capital ,analysis &      

,review e/abli%$ by ! ,bo>d ( ,gov]nors4
  2 &  7#b7 9 p>agraph 7#b7--  7,a7 9   
subp>agraph 7,a71 by /rik+ semiannual & 
ins]t+ annual2 &  7,b7 9 subp>agraph    
7,c77ii71 by /rik+ #c diff]5t sets (    
conditions1 includ+ basel9e1 adv]se1 &  
ins]t+ #b diff]5t sets ( conditions1    
includ+ basel9e4  #c4 ,rule (           
con/ruction ,! am5dm5ts made by ?is ,act
 may n be con/ru$ to prohibit an        
appropriate ,f$]al bank+ ag5cy 7z def9$ 
9 section #c ( ! ,f$]al ,deposit        
,insurance ,act 7#ab ,u4,s4,c4 #ahac77  
f-- 7#a7 ensur+ ! safety & s\ndness ( an
 entity regulat$ by su* an appropriate  
,f$]al bank+ ag5cy2 &  7#b7 ensur+      
compliance ) applicable laws1           
regulations1 & sup]visory policies1 & ! 
foll[+ ( appropriate guidance1 by an    
entity regulat$ by su* an appropriate   
,f$]al bank+ ag5cy4  #d4 ,r$uction (    
surplus funds ( ,f$]al res]ve banks  7a7
 ,9 g5]al ,section #g7;a77#c77;,a7 ( !  
,f$]al ,res]ve ,act 7#ab ,u4,s4,c4      
#bhi7;a77#c77;,a77 is am5d$ by /rik+    

#g1ejj1jjj1jjj & ins]t+ #g1dhj1jjj1jjj4 
7b7 ,effective date ,subsection 7a7 %all
 take effect on ,june #a1 #bjah4  ,pass$
 ! ,h\se ( ,repres5tatives ,april #aa1  
#bjah4;,cl]k4