,,iib  #aaf? ,,congress  #b;d ,session  
,h4 ,r4 #ecae  ,,9 ,,! ,,s5ate ,,( ,,!  
,,unit$ ,,/ates  ,janu>y #ad1           
#bjbj,receiv$2 read twice & ref]r$ to ! 
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs  ,,an ,,act  ,to am5d !        
,f9ancial ,in/itutions ,re=m1 ,recov]y1 
& ,en=cem5t ,act ( #aihi to e/abli% a   
,f9ancial ,ag5t ,m5tor-,protg ,program  
)9 ! ,dep>tm5t ( ! ,treasury1 & = o!r   
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,exp&+ ,opportunity =      
,m9ority ,depository ,in/itutions ,act  
or ! ,exp&+ ,opportunity = ,m,d,is ,act4
  #b4 ,e/abli%m5t ( ,f9ancial ,ag5t     
,m5tor-,protg ,program  7a7 ,9 g5]al    
,section #cjh ( ! ,f9ancial ,in/itutions
 ,re=m1 ,recov]y1 & ,en=cem5t ,act (    
#aihi 7#ab ,u4,s4,c4 #adfc note7 is     
am5d$ by add+ at ! end ! foll[+ new     
subsection3  7d7 ,f9ancial ,ag5t        
,m5tor-,protg ,program  7#a7 ,9 g5]al ,!
 ,secret>y ( ! ,treasury %all e/abli% a 
program to be kn[n z ! ,f9ancial ,ag5t  
,m5tor-,protg ,program 79 ?is subsection

 ref]r$ to z ! ,program7 "u :i* a       
f9ancial ag5t designat$ by ! ,secret>y  
or a l>ge f9ancial in/itution may s]ve z
 a m5tor1 "u guidance or regulations    
prescrib$ by ! ,secret>y1 to a small    
f9ancial in/itution to all[ su* small   
f9ancial in/itution--  7,a7 to be prep>$
 to p]=m z a f9ancial ag5t2 or  7,b7 to 
improve capacity to provide s]vices to !
 cu/om]s ( ! small f9ancial in/itution4 
7#b7 ,outrea* ,! ,secret>y %all hold    
outrea* ev5ts to promote ! p>ticipation 
( f9ancial ag5ts1 l>ge f9ancial         
in/itutions1 & small f9ancial           
in/itutions 9 ! ,program at lea/ once a 
ye>4  7#c7 ,exclusion ,! ,secret>y %all 
issue guidance or regulations to e/abli%
 a process "u :i* a f9ancial ag5t1 l>ge 
f9ancial in/itution1 or small f9ancial  
in/itution may be exclud$ f p>ticipation
 9 ! ,program4  7#d7 ,report ,! ,(fice (
 ,m9ority & ,wom5 ,inclusion ( !        
,dep>tm5t ( ! ,treasury %all include 9 !
 report submitt$ to ,congress "u section
 #cdb7;e7 ( ! ,dodd-,frank ,wall ,/reet 

,re=m & ,consum] ,protection ,act       
in=mation p]ta9+ to ! ,program1         
includ+--  7,a7 ! numb] ( f9ancial      
ag5ts1 l>ge f9ancial in/itutions1 &     
small f9ancial in/itutions p>ticipat+ 9 
su* ,program2 &  7,b7 ! numb] ( outrea* 
ev5ts describ$ 9 p>agraph 7#b7 held dur+
 ! ye> cov]$ by su* report4  7#e7       
,def9itions ,9 ?is subsection3 7,a7     
,f9ancial ag5t ,! t]m f9ancial ag5t     
means any national bank+ association    
designat$ by ! ,secret>y ( ! ,treasury  
to be employ$ z a f9ancial ag5t ( !     
,gov]nm5t4  7,b7 ,l>ge f9ancial         
in/itution ,! t]m l>ge f9ancial         
in/itution means any entity regulat$ by 
! ,comptroll] ( ! ,curr5cy1 ! ,bo>d (   
,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 !  
,f$]al ,deposit ,insurance ,corporation1
 or ! ,national ,cr$it ,union           
,adm9i/ration t has total consolidat$   
assets great] ?an or equal to           
#ej1jjj1jjj1jjj4  7,c7 ,small f9ancial  
in/itution ,! t]m small f9ancial        
in/itution means-- 7i7 any entity       

regulat$ by ! ,comptroll] ( ! ,curr5cy1 
! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve  
,sy/em1 ! ,f$]al ,deposit ,insurance    
,corporation1 or ! ,national ,cr$it     
,union ,adm9i/ration t has total        
consolidat$ assets less] ?an or equal to
 #b1jjj1jjj1jjj2 or  7ii7 a m9ority     
depository in/itution4  4  7b7          
,effective date ,?is ,act & ! am5dm5ts  
made by ?is ,act %all take effect #ij   
days aft] ! date ( ! enactm5t ( ?is     
,act4  ,pass$ ! ,h\se ( ,repres5tatives 
,janu>y #ac1 #bjbj4;,*]yl ,l4           
,johnson1,cl]k4