#aaf? ,,congress  #b;d ,session  ,h4 ,r4
 #ddeh  ,,an ,,act  ,to require ! ,bo>d 
( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em to
 issue reports on cyb]security ) respect
 to ! functions ( ! ,f$]al ,res]ve      
,sy/em1 & = o!r purposes4  #a4 ,%ort    
title ,?is ,act may be cit$ z !         
,cyb]security & ,f9ancial ,sy/em        
,resili5ce ,act ( #bjai4  #b4           
,cyb]security & f9ancial sy/em resili5ce
 report  7a7 ,9 g5]al ,n lat] ?an ! end 
( ! #ahj-;day p]iod beg9n+ on ! date (  
enactm5t ( ?is ,act1 & annually !reaft]1
 ea* bank+ regulator %all submit a      
report to ! ,committee on ,f9ancial     
,s]vices ( ! ,h\se ( ,repres5tatives & !
 ,committee on ,bank+1 ,h\s+1 & ,urban  
,affairs ( ! ,s5ate t provides a detail$
 explanation ( measures und]tak5 to     
/r5g!n cyb]security ) respect to !      
functions ( ! regulator1 includ+ !      
sup]vision & regulation ( f9ancial      
in/itutions &1 :]e applicable1 ?ird-p>ty
 s]vice provid]s4 ,ea* su* report %all  
specifically include a detail$ analysis 

(--  7#a7 policies & proc$ures 7includ+ 
^? describ$ "u section #ceed7;b7 ( title
 #dd1 ,unit$ ,/ates ,code7 t gu>d       
aga9/-- 7,a7 ef=ts to d5y access to or  
degrade1 disrupt1 or de/roy any         
in=mation & communications te*nology    
sy/em or network1 or exfiltrate         
in=mation f su* a sy/em or network )\t  
au?orization2  7,b7 de/ructive malw>e   
attacks2  7,c7 d5ial ( s]vice           
activities2 &  7,d7 any o!r ef=ts t may 
?reat5 ! functions ( ! bank+ regulator  
or entities ov]se5 by ! regulator by    
und]m9+ cyb]security & ! resili5ce ( !  
f9ancial sy/em2  7#b7 activities to     
ensure ! effective implem5tation (      
policies & proc$ures describ$ "u        
p>agraph 7#a71 includ+--  7,a7 !        
appo9tm5t ( qualifi$ /aff1 ! provision (
 /aff tra9+1 ! use ( acc\ntability      
measures to support /aff p]=mance1 & !  
designation1 if any1 ( s5ior appo9t$    
lead]%ip to /r5g!n acc\ntability =      
ov]sight ( cyb]security measures2  7,b7 
deploym5t ( adequate res\rces &         

te*nologies2  7,c7 ef=ts to respond to  
cyb]security-relat$ f9d+s &             
recomm5dations ( ! ,inspector ,g5]al ( !
 bank+ regulator or ! indep5d5t         
evaluation describ$ "u section #ceee (  
title #db1 ,unit$ ,/ates ,code2 &  7,d7 
z appropriate1 ef=ts to /r5g!n          
cyb]security 9 coord9ation ) o!r ,f$]al 
dep>tm5ts & ag5cies1 dome/ic & =eign    
f9ancial in/itutions1 & o!r p>tn]s1     
includ+ ! developm5t & dissem9ation (   
be/ practices reg>d+ cyb]security & !   
%>+ ( ?reat in=mation2 &  7#c7 any      
curr5t or em]g+ ?reats t are likely to  
pose a risk to ! resili5ce ( ! f9ancial 
sy/em4  7b7 ,=m ( report ,! report      
requir$ "u subsection 7a7 %all be       
submitt$ 9 unclassifi$ =m1 b may include
 a classifi$ annex1 if appropriate4  7c7
 ,congressional brief+ ,^u reque/1 !    
head ( ea* bank+ regulator %all provide 
a detail$ brief+ to ! appropriate       
,memb]s ( ,congress on ea* report       
submitt$ pursuant to subsection 7a71    
except-- 7#a7 ! ,*airman ( ! ,bo>d (    

,gov]nors ( ! ,f$]al ,res]ve ,sy/em may 
designate ano!r memb] ( ! ,bo>d (       
,gov]nors ( ! ,f$]al ,res]ve ,sy/em to  
provide su* brief+2  7#b7 ! ,*airp]son (
 ! ,f$]al ,deposit ,insurance           
,corporation may designate ano!r memb] (
 ! ,bo>d ( ,directors ( ! ,corporation  
to provide su* brief+2 &  7#c7 !        
,*airman ( ! ,national ,cr$it ,union    
,adm9i/ration may designate ano!r memb] 
( ! ,national ,cr$it ,union             
,adm9i/ration ,bo>d to provide su*      
brief+4  7d7 ,def9itions ,= ! purposes (
 ?is ,act3 7#a7 ,appropriate memb]s (   
,congress ,! t]m appropriate ,memb]s (  
,congress means ! foll[+3  7,a7 ,!      
,*airman & ,rank+ ,memb] ( ! ,committee 
on ,f9ancial ,s]vices ( ! ,h\se (       
,repres5tatives4  7,b7 ,! ,*airman &    
,rank+ ,memb] ( ! ,committee on ,bank+1 
,h\s+1 & ,urban ,affairs ( ! ,s5ate4    
7#b7 ,bank+ regulator ,! t]m bank+      
regulator means ! ,bo>d ( ,gov]nors ( ! 
,f$]al ,res]ve ,sy/em1 ! ,comptroll] ( !
 ,curr5cy1 ! ,f$]al ,deposit ,insurance 

,corporation1 & ! ,national ,cr$it      
,union ,adm9i/ration4  7#c7 ,s5ior      
appo9t$ lead]%ip ,) respect to a bank+  
regulator1 ! t]m s5ior appo9t$ lead]%ip 
means a position t requires ,s5ate      
confirmation4  7e7 ,sunset ,! provisions
 ( ?is ,act %all h no =ce or effect on  
or aft] ! date t is #g ye>s aft] ! date 
( enactm5t ( ?is ,act4  #c4 ,det]m9ation
 ( budget>y effects ,! budget>y effects 
( ?is ,act1 = ! purpose ( comply+ ) !   
,/atutory ,pay-,z-,y-,g ,act ( #bjaj1   
%all be det]m9$ by ref]5ce to ! late/   
/atem5t titl$ ,budget>y ,effects (      
,,paygo ,legislation = ?is ,act1        
submitt$ = pr9t+ 9 ! ,congressional     
,record by ! ,*airman ( ! ,h\se ,budget 
,committee1 provid$ t su* /atem5t has   
be5 submitt$ prior to ! vote on passage4
  ,pass$ ! ,h\se ( ,repres5tatives      
,janu>y #ac1 #bjbj4;,cl]k4