,i  #aafth ,,congress  #b;d ,session    
,h4 ,r4 #fhfh  ,,in ,,the ,,house ,,of  
,,representatives  ,may #ad1 #bjbj,mr4  
,green of ,texas introduced the         
following bill2 which was referred to   
the ,committee on ,financial ,services  
,a ,,bill  ,to amend the ,,cares ,act to
 establish a ,community ,capital        
,investment ,program1 and for other     
purposes4  #a4 ,community ,capital      
,investment ,program ,section #djjc of  
the ,,cares ,act 7#ae ,u4,s4,c4 #ijdb7  
is amended by adding at the end the     
following3  7i7 ,community ,capital     
,investment ,program  7#a7 ,in general  
,the ,secretary of the ,treasury shall  
establish a ,community ,capital         
,investment ,program 7the ,program7 to  
support the efforts of community        
investment institutions to provide loans
 and forbearance for small businesses1  
minority-owned businesses1 and          
consumers1 especially in low-income and 
underserved communities1 by-- 7,a7      
providing direct capital investments in 

community investment institutions2 and  
7,b7 providing loans to community       
investment institutions-- 7i7 that are  
interest-free loans2  7ii7 that have a  
loan term of #e years2 and  7iii7 with  
respect to which no loan payment is     
required until at least the end of the  
#f-month period beginning on the date   
the loan is made1 or such longer term as
 the ,secretary may determine           
appropriate4  7#b7 ,application date    
,the ,secretary shall begin accepting   
applications for capital investments and
 loans under the ,program not later than
 the end of the #aj-;day period         
beginning on the date of enactment of   
this subsection4  7#c7 ,dividend rate   
,any preferred stock or other financial 
instrument issued to the ,secretary in  
exchange for a capital investment under 
the ,program shall carry a dividend or  
interest rate that does not exceed #a   
percent4  7#d7 ,restrictions ,the       
restrictions described under subsection 
7c77#c77;,a77ii7 shall apply to capital 

investments and loans made under this   
subsection4  7#e7 ,available amounts ,in
 carrying out the ,program1 the         
,secretary shall use amounts made       
available under subsection 7b71         
notwithstanding the limitations on the  
use of such funds under paragraphs 7#a7 
through 7#d7 of such subsection 7b74    
7#f7 ,,mdi set-aside ,at least          
#c1jjj1jjj1jjj of the direct capital    
investments and loans made by the       
,secretary under the ,program shall be  
made to minority depository             
institutions4  7#g7 ,treatment of       
capital investments ,in making any      
capital investment under the ,program1  
the ,secretary shall ensure that the    
terms of the investment are designed to 
ensure the investment receives ,tier #a 
capital treatment4  7#h7 ,definitions   
,in this subsection3 7,a7 ,community    
investment institution ,the term        
community investment institution means--
 7i7 a community development financial  
institution1 as defined under section   

#ajc of the ,riegle ,community          
,development and ,regulatory            
,improvement ,act of #aiid 7#ab         
,u4,s4,c4 #dgjb72  7ii7 an impact credit
 union2  7iii7 an impact bank2 and  7iv7
 a minority depository institution1 as  
defined under section #cjh of the       
,financial ,institutions ,reform1       
,recovery1 and ,enforcement ,act of     
#aihi 7#ab ,u4,s4,c4 #adfc note74  7,b7 
,credit union ,the term credit union has
 the meaning given the terms ,state     
credit union and ,federal credit union  
under section #aja of the ,federal      
,credit ,union ,act 7#ab ,u4,s4,c4      
#ageb74  7,c7 ,impact credit union ,the 
term impact credit union means a credit 
union that-- 7i7 has total consolidated 
assets of less than #aj1jjj1jjj1jjj2 and
  7ii7 extends at least #ej percent of  
the loans extended by the credit union  
to borrowers who are low-income         
borrowers1 as determined by the         
,secretary4  7,d7 ,impact bank ,the term
 impact bank means a depository         

institution 7as defined under section #c
 of the ,federal ,deposit ,insurance    
,act7 that-- 7i7 has total consolidated 
assets of less than #aj1jjj1jjj1jjj2 and
  7ii7 extends at least #ej percent of  
the loans extended by the institution to
 borrowers who are low-income borrowers1
 as determined by the ,secretary4  4