,,ii  #aae? ,,congress  #b;d ,session   
,s4 #bbii  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,janu>y #aa1 #bjah ,mr4
 ,inh(e 7= himself & ,mr4 ,udall7       
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,homel& ,security & ,gov]nm5tal ,affairs
  ,a ,,bill  ,to am5d ! ,food ,security 
,act ( #aihe to provide wildfire        
regulatory relief1 to modify !          
evaluation ( a major disa/] decl>ation  
reque/1 to provide regulatory relief =  
banks dur+ major disa/]s1 & = o!r       
purposes4  #a4 ,%ort title  ,?is ,act   
may be cit$ z ! ,wildfire ,regulatory   
,relief ,act ( #bjah4  #b4 ,use ( l& 9 a
 /ate ( em]g5cy ,section #abcc7;b7 ( !  
,food ,security ,act ( #aihe 7#af       
,u4,s4,c4 #chcc7;b77 is am5d$ by /rik+  
p>agraph 7#a7 & ins]t+ ! foll[+3  7#a7  
h>ve/+1 graz+1 or o!r comm]cial use ( ! 
=age1 )\t any r$uction 9 ! r5tal rate1 9
 response to--  7,a7 dr\ght2  7,b7      
flood+2  7,c7 a /ate ( em]g5cy t-- 7i7  
is decl>$ by ! ,gov]nor ( ! ,/ate 9 :i* 

! l& t is subject to a contract "u !    
cons]vation res]ve program is locat$2 & 
7ii7 cov]s any "p ( ! ,/ate or ! entire 
,/ate2 or  7,d7 o!r em]g5cy2  4  #c4    
,evaluat+ a major disa/] decl>ation     
reque/  ,section #dja ( ! ,rob]t ,t4    
,/af=d ,disa/] ,relief & ,em]g5cy       
,assi/ance ,act 7#db ,u4,s4,c4 #eagj7 is
 am5d$ by add+ at ! end ! foll[+3  7d7  
,consid]ation ( reque/s  7#a7 ,9 g5]al  
,9 evaluat+ a reque/ = a decl>ation "u  
?is section1 ! ,presid5t %all take into 
consid]ation any impacts ( ! disa/] t-- 
7,a7 w imp$e ! recov]y ef=ts ( affect$  
individuals or community2 &  7,b7 may n 
be address$ "u disa/] programs adm9i/]$ 
by ! ,f$]al ,em]g5cy ,managem5t ,ag5cy1 
b t are address$ by o!r disa/] programs1
 su* z ! disa/] loan program au?oriz$ "u
 section #g7;b7 ( ! ,small ,bus9ess ,act
 7#ae ,u4,s4,c4 #fcf7;b77 & programs    
au?oriz$ "u section #aeja ( !           
,agricultural ,act ( #bjad 7#g ,u4,s4,c4
 #ijha74  7#b7 ,agricultural f5ce l9es  
7,a7 ,def9ition ,9 ?is p>agraph1 ! t]m  

agricultural f5ce l9e means a physical  
b>ri] plac$ = ! purpose ( def9+ ! edge  
or b\nd>y ( an area us$ = agricultural  
purpose4  7,b7 ,consid]ation ,9 consid]+
 ! impacts ( a disa/] requir$ to be     
consid]$ "u p>agraph 7#a71 ! ,presid5t  
%all consid] ! co/s ( replac+ an        
agricultural f5ce l9e4  4  #d4 ,em]g5cy 
managem5t grants ,section #ffb7;b7 ( !  
,po/-,katr9a ,em]g5cy ,managem5t ,re=m  
,act ( #bjjf 7#f ,u4,s4,c4 #gfb7;b77 is 
am5d$ by ins]t+ 1 includ+ support+ jo9t 
int]ag5cy coop]ation betwe5 ,/ate       
ag5cies responsible = respond+ to       
wildfires1 aft] haz>ds4  #e4 ,regulatory
 relief = banks dur+ major disa/]s  7a7 
,def9itions ,9 ?is section-- 7#a7 ! t]ms
 appropriate ,f$]al bank+ ag5cy &       
depository in/itution h ! mean+s giv5 ^?
 t]ms 9 section #c ( ! ,f$]al ,deposit  
,insurance ,act 7#ab ,u4,s4,c4 #ahac72 &
  7#b7 ! t]m major disa/] has ! mean+   
giv5 ! t]m 9 section #ajb ( ! ,rob]t ,t4
 ,/af=d ,disa/] ,relief & ,em]g5cy      
,assi/ance ,act 7#db ,u4,s4,c4 #eabb74  

7b7 ,requirem5t ,n lat] ?an #ae days    
aft] ! date on :i* ! ,presid5t decl>es a
 major disa/] "u section #dja ( ! ,rob]t
 ,t4 ,/af=d ,disa/] ,relief & ,em]g5cy  
,assi/ance ,act 7#db ,u4,s4,c4 #eagj71  
or n lat] ?an #ae days aft] a /ate (    
em]g5cy is decl>$ by a ,gov]nor ( a     
,/ate = all or "p ( t ,/ate1 !          
appropriate ,f$]al bank+ ag5cies & !    
,bureau ( ,consum] ,f9ancial ,protection
 %all issue guidance to depository      
in/itutions locat$ 9 ! area = :i* !     
,presid5t decl>$ ! major disa/] or !    
,gov]nor decl>$ a /ate ( em]g5cy1 z     
applicable1 = r$uc+ regulatory burd5s = 
borr[]s & communities 9 ord] to         
facilitate recov]y f ! major disa/]4    
7c7 ,cont5ts ,guidance issu$ "u         
subsection 7b7 %all include in/ructions 
f ! appropriate ,f$]al bank+ ag5cy or ! 
,bureau ( ,consum] ,f9ancial            
,protection1 z applicable1 reg>d+--     
7#a7 ext5d+ repaym5t t]ms1 adju/+ exi/+ 
loans1 & eas+ t]ms = new loans1 9       
accordance ) prud5t bank+ practices t   

involve appropriate monitor+2  7#b7     
provid+ relief f report+ & publi%+      
requirem5ts1 includ+ by accept+ delay$  
fil+ & publi%+ ( reports by depository  
in/itutions 9 areas affect$ by ! major  
disa/] or cov]$ by ! /ate ( em]g5cy1 z  
applicable2  7#c7 tak+ appropriate      
actions to /abilize inve/m5ts 9 local   
gov]nm5t projects affect$ by ! major    
disa/] or cov]$ by ! /ate ( em]g5cy1 z  
applicable2  7#d7 promot+ aw>5ess ( !   
eligibility ( depository in/itutions =  
loans or inve/m5ts made 9 areas affect$ 
by ! major disa/] or cov]$ by ! /ate (  
em]g5cy1 z applicable1 "u ! ,community  
,re9ve/m5t ,act ( #aigg 7#ab ,u4,s4,c4  
#bija et seq472 &  7#e7 su* o!r issues z
 det]m9$ appropriate by ! appropriate   
,f$]al bank+ ag5cy or ! ,bureau (       
,consum] ,f9ancial ,protection1 z       
applicable4