#aaf? ,,congress  #b;d ,session  ,h4 ,r4
 #dhda  ,,an ,,act  ,to require !       
prud5tial bank+ regulators to provide   
annual te/imony to ,congress on _!      
sup]vision & regulation activities1 & = 
o!r purposes4  #a4 ,%ort title ,?is ,act
 may be cit$ z ! ,prud5tial ,regulator  
,ov]sight ,act4  #b4 ,annual te/imony   
7a7 ,9 g5]al ,! ,dodd-,frank ,wall      
,/reet ,re=m & ,consum] ,protection ,act
 7#ab ,u4,s4,c4 #ecja et seq47 is am5d$ 
by add+ at ! end ( title ,,vi ! foll[+3 
#fbi4 ,annual te/imony ( prud5tial      
regulators  7a7 ,semi-,annual report    
7#a7 ,9 g5]al ,! prud5tial regulators   
%all ea* issue a semi-annual report to !
 ,committee on ,bank+1 ,h\s+1 & ,urban  
,affairs ( ! ,s5ate & ! ,committee on   
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives reg>d+ ! ef=ts1         
activities1 objectives1 & plans ( !     
regulator ) respect to ! conduct (      
sup]vision & regulation ( depository    
in/itution hold+ companies1 depository  
in/itutions1 & cr$it unions4  7#b7      

,specific cont5ts ,ea* report requir$ "u
 p>agraph 7#a7 %all include a           
description (--  7,a7 ! safety &        
s\ndness ( depository in/itution hold+  
companies1 depository in/itutions1 &    
cr$it unions1 includ+ capital1          
liquidity1 lev]age1 /ress te/+1 & liv+  
wills1 z applicable2  7,b7 ! exam9ation 
& sup]vision ( depository in/itution    
hold+ companies1 depository in/itutions1
 & cr$it unions1 p>ticul>ly ,g-,s,i,bs1 
includ+--  7i7 a detail$ description (  
public en=cem5t actions tak5 dur+ !     
report+ p]iod2  7ii7 aggregate data     
reg>d+ sup]visory conc]ns exam9]s h     
issu$ 9 writ+ to ! bo>ds ( regulat$     
in/itutions dur+ ! report+ p]iod2  7iii7
 sup]visory obs]vations by ! regulator  
on p>ticul> areas & topics ( conc]n     
id5tifi$ ?r\gh ! exam9ation & sup]visory
 process2 &  7iv7 a description ( !     
regulator's ex]cise ( all available     
tools beyond impos+ public f9es to      
ensure compliance ) all applicable laws 
& regulations1 z well z actions to      

ensure acc\ntability = culpable         
executives2  7,c7 em]g+ risks t may     
affect depository in/itutions & pot5tial
 ?reats to ! f9ancial /ability ( !      
,unit$ ,/ates1 & any actions ! regulator
 took 9 coord9ation ) ! ,(fice (        
,f9ancial ,rese>*1 to id5tify & mitigate
 ^? ?reats2  7,d7 any rec5t actions tak5
 by ! regulator z a vot+ memb] ( !      
,f9ancial ,/ability ,ov]sight ,c\ncil & 
any updates relat$ to au?orities !      
regulator has "u title ,i or title      
,,viii ( ?is ,act ) respect to enhanc$  
prud5tial /&>ds & sup]vision ( l>ge bank
 hold+ companies & firms designat$ by ! 
,f9ancial ,/ability ,ov]sight ,c\ncil2  
7,e7 ! implem5tation ( ! regulator's    
div]sity & inclusion ef=ts1 includ+ its 
implem5tation ( section #cdb ( ?is ,act 
& ! regulator's compliance ) section    
#cjh ( ! ,f9ancial ,in/itutions ,re=m1  
,recov]y1 & ,en=cem5t ,act ( #aihi )    
respect to m9ority depository           
in/itutions2  7,f7 ! implem5tation ( !  
,community ,re9ve/m5t ,act ( #aigg1     

includ+ in=mation on exam9ations1       
guidance1 & regulations2  7,g7 any      
m&atory provision ( law t has n be5     
implem5t$ yet by ! regulator1 includ+ ! 
date on :i* ! m&atory provision w be    
implem5t$2  7,h7 an ov]view ( ! m]g]s & 
acquisitions process1 includ+ data &    
descriptions ( any m]g]s & acquisitions 
approv$ dur+ ! report+ p]iod2  7,i7     
exam9ations = ,bank ,secrecy ,act &     
anti-money laund]+ compliance1 z well z 
coord9ation ) ! ,f9ancial ,crimes       
,en=cem5t ,network & appropriate        
communication ) depository in/itutions &
 cr$it unions2  7,j7 ! utilization (    
f9ancial te*nology z x relates to       
depository in/itution hold+ companies1  
depository in/itutions1 & cr$it unions  
regulat$ by ! regulator1 includ+ ! use (
 v>i\s te*nologies by depository        
in/itutions & cr$it unions z well z     
p>tn]%ips ) ?ird-p>ty companies2  7,k7  
cyb]security ( depository in/itution    
hold+ companies1 depository in/itutions1
 & cr$it unions1 includ+ /eps tak5 to   

enhance cyb] read9ess & /r5g!n !        
protection ( consum] data2 &  7,l7      
compliance ) *apt] #e ( title #e1 ,unit$
 ,/ates ,code 7commonly ref]r$ to z !   
,adm9i/rative ,proc$ure ,act7 & *apt] #h
 ( title #e1 ,unit$ ,/ates ,code        
7commonly ref]r$ to z ! ,congressional  
,review ,act71 z well z all guidance    
docum5ts & rulemak+s issu$ by !         
prud5tial regulator 9 ! previ\s #f-mon? 
p]iod4  7#c7 ,confid5tiality requirem5t 
,ea* report requir$ "u p>agraph 7#a7    
%all include only in=mation t does n    
con/itute confid5tial sup]visory        
in=mation ab\t a specific in/itution1 b 
may include aggregate in=mation on an   
indu/ry-wide basis or on a segm5t ( an  
indu/ry4  7b7 ,te/imony  7#a7 ,9 g5]al  
,! prud5tial regulators %all ea* appe>  
be=e ! ,committee on ,bank+1 ,h\s+1 &   
,urban ,affairs ( ! ,s5ate & !          
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives at an annual    
he>+ to te/ify ) respect to ! reports   
requir$ "u subsection 7a74  7#b7 ,vice  

,*airman = ,sup]vision ,! ,vice ,*airman
 = ,sup]vision ( ! ,bo>d ( ,gov]nors    
%all appe> be=e ! ,committee on ,bank+1 
,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! 
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives at a semiannual 
he>+ to te/ify ) respect to ! reports   
requir$ "u subsection 7a74 ,any su*     
appe>ance %all satisfy ! requirem5ts (  
section #aj7ab7 ( ! ,f$]al ,res]ve ,act4
  7c7 ,def9itions ,9 ?is section3  7#a7 
,bank ,secrecy ,act ,! t]m ,bank        
,secrecy ,act means-- 7,a7 section #ba (
 ! ,f$]al ,deposit ,insurance ,act2     
7,b7 *apt] #b ( title ,i ( ,public ,law 
#ia-ejh2 &  7,c7 sub*apt] ,,ii ( *apt]  
#ec ( title #ca1 ,unit$ ,/ates ,code2   
7#b7 ,g-,,sib ,! t]m ,g-,,sib means a   
global sy/emically important bank hold+ 
company1 z su* t]m is def9$ "u section  
#bag4djb ( title #ab1 ,code ( ,f$]al    
,regulations4  7#c7 ,prud5tial          
regulators ,! t]m prud5tial regulators  
means ! ,vice ,*airman = ,sup]vision ( !
 ,bo>d ( ,gov]nors1 ! ,comptroll] ( !   

,curr5cy1 ! ,*airp]son ( ! ,corporation1
 & ! ,*airman ( ! ,national ,cr$it      
,union ,adm9i/ration ,bo>d4  4  7b7     
,cl]ical am5dm5t ,! table ( cont5ts "u  
section #a7;b7 ( ! ,dodd-,frank ,wall   
,/reet ,re=m & ,consum] ,protection ,act
 is am5d$ by ins]t+ aft] ! item relat+  
to section #fbh ! foll[+3  ,sec4 #fbi4  
,annual te/imony ( prud5tial regulators4
  4  #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