,,ii  #aaf? ,,congress  #a/ ,session    
,s4 #abcc  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,april #cj1 #bjai,mr4  
,r\nds introduc$ ! foll[+ bill2 :i* 0   
read twice & ref]r$ to ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to provide relief to community 
banks1 to promote access to capital =   
community banks1 & = o!r purposes4  #a4 
,%ort title ,?is ,act may be cit$ z !   
,community ,bank ,access to ,capital    
,act ( #bjai4  #b4 ,int]nal control     
atte/ation requirem5t exemptions        
,section #djd7;c7 ( ! ,s>banes-,oxley   
,act ( #bjjb 7#ae ,u4,s4,c4 #gbfb7;c77  
is am5d$-- 7#a7 by /rik+ t is nei!r &   
ins]t+ ! foll[+3 8t--  7#a7 is nei!r  2 
7#b7 by /rik+ ! p]iod at ! end & ins]t+ 
2 or2 &  7#c7 by add+ at ! end ! foll[+3
  7#b7 is an insur$ depository          
in/itution or a depository in/itution   
hold+ company 7z ^? t]ms are def9$ 9    
section #c ( ! ,f$]al ,deposit          
,insurance ,act 7#ab ,u4,s4,c4 #ahac77 )
 less ?an #e1jjj1jjj1jjj 9 total        

consolidat$ assets4  4  #c4 ,annual     
report on f9ancial condition & managem5t
 ,section #cf7;a77#a7 ( ! ,f$]al        
,deposit ,insurance ,act 7#ab ,u4,s4,c4 
#ahcam7a77#a77 is am5d$ by ins]t+ t has 
m ?an #e1jjj1jjj1jjj 9 total consolidat$
 assets aft] in/itution4  #d4           
,regulation ,d  7a7 ,def9ition (        
accr$it$ inve/ors ,n lat] ?an #ahj days 
aft] ! date ( enactm5t ( ?is ,act1 !    
,securities & ,ex*ange ,commission %all 
am5d section #bcj4eja7;a77#e77;i77,a7 ( 
title #ag1 ,code ( ,f$]al ,regulations1 
to read z foll[s3  7,a7 ,! p]son's      
prim>y resid5ce %all be includ$ z an    
asset2  4  7b7 ,limitation on numb] (   
pur*as]s ,n lat] ?an #ahj days aft] !   
date ( enactm5t ( ?is ,act1 !           
,securities & ,ex*ange ,commission %all 
am5d section #bcj4ejf7;b77#b77;i7 (     
title #ag1 ,code ( ,f$]al ,regulations1 
to read z foll[s3  7i7 ,limitation on   
numb] ( pur*as]s ,!re are no m ?an or ! 
issu] reasonably believes t !re are no m
 ?an #gj pur*as]s ( securities f ! issu]

 9 any (f]+ "u ?is section4  4