,i  #aae? ,,congress  #b;d ,session  ,h4
 ,r4 #fcdh  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,july #ab1 #bjah,mr4  
,curtis 7= himself & ,mr4 ,evans7       
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,small ,bus9ess  ,a    
,,bill  ,to adju/ ! real e/ate appraisal
 ?re%olds "u ! section #ejd program to  
br+ !m into l9e ) ! ?re%olds us$ by !   
,f$]al bank+ regulators1 & = o!r        
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,small ,bus9ess ,access to 
,capital & ,effici5cy ,act or ! ,small  
,bus9ess ,,ace ,act4  #b4 ,appraisal    
?re%olds ,section #ejb7c77;,e77ii7 ( !  
,small ,bus9ess ,inve/m5t ,act ( #aieh  
7#ae ,u4,s4,c4 #fif7c77;,e77ii77 is     
am5d$--  7#a7 by r$esignat+ subclauses  
7,i7 & 7,,ii7 z items 7aa7 & 7bb71      
respectively1 & adju/+ ! m>g9s ( su*    
items accord+ly2  7#b7 by /rik+ ,)      
respect to & ins]t+ ! foll[+3  7,i7 ,9  
g5]al ,) respect to  2  7#c7 9 item     
7aa71 z s r$esignat$1 by /rik+ is m ?an 
#bej1jjj & ins]t+ is m ?an ! ,f$]al     

bank+ regulator appraisal ?re%old2  7#d7
 9 item 7bb71 z s r$esignat$1 by /rik+  
is #bej1jjj or less & ins]t+ is equal to
 or less ?an ! ,f$]al bank+ regulator   
appraisal ?re%old2 &  7#e7 by add+ at ! 
end ! foll[+3  7,,ii7 ,f$]al bank+      
regulator appraisal ?re%old def9$ ,=    
purposes ( ?is clause1 ! t]m ,f$]al     
bank+ regulator appraisal ?re%old means 
! less] ( ! ?re%old am\nts set by !     
,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve    
,sy/em1 ! ,comptroll] ( ! ,curr5cy1 & ! 
,f$]al ,deposit ,insurance ,corporation 
= :5 a f$]ally relat$ transaction t is a
 comm]cial real e/ate transaction       
requires an appraisal prep>$ by a ,/ate 
lic5s$ or c]tifi$ apprais]4  4