,,ii  #aaf? ,,congress  #a/ ,session    
,s4 #cajh  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,decemb] #ai1 #bjai,mr4
 ,jones 7= himself1 ,mr4 ,moran1 & ,mr4 
,p]due7 introduc$ ! foll[+ bill2 :i* 0  
read twice & ref]r$ to ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to am5d ! ,f$]al ,deposit      
,insurance ,act to provide t ! consum]  
transaction acc\nt deposits ( an insur$ 
depository in/itution are n consid]$ to 
be funds obta9$ by or ?r\gh a deposit   
brok]1 & = o!r purposes4  #a4 ,%ort     
title ,?is ,act may be cit$ z ! ,consum]
 ,transaction ,acc\nt ,protection ,act (
 #bjai4  #b4 ,limit$ exception = consum]
 transaction acc\nt deposits ,section   
#bi ( ! ,f$]al ,deposit ,insurance ,act 
7#ab ,u4,s4,c4 #ahca;f7 is am5d$ by add+
 at ! end ! foll[+ new subsection3  7j7 
,limit$ exception = consum] transaction 
acc\nt deposits  7#a7 ,9 g5]al ,consum] 
transaction acc\nt deposits ( an insur$ 
depository in/itution %all n be consid]$
 to be funds obta9$1 directly or        

indirectly1 by or ?r\gh a deposit brok]4
  7#b7 ,def9itions ,9 ?is subsection3   
7,a7 ,consum] transaction acc\nt deposit
 ,! t]m consum] transaction acc\nt      
deposit means a deposit 9 a transaction 
acc\nt ) an insur$ depository           
in/itution--  7i7 t is entirely cov]$ by
 deposit insurance2  7ii7 t is op5$ by  
an individual2  7iii7 t is held 9 ! "n (
 ! individual2  7iv7 t is us$ mon?ly by 
! individual to make paym5ts to1 & to   
receive deposits f1 ?ird p>ties2 &  7v7 
) respect to :i* only ! individual is   
recogniz$ by ! insur$ depository        
in/itution z be+ au?oriz$ to designate t
 )drawals or paym5ts be made f ! acc\nt4
  7,b7 ,transaction acc\nt ,! t]m       
transaction acc\nt has ! mean+ giv5 !   
t]m 9 section #ai7;b77#a7 ( ! ,f$]al    
,res]ve ,act 7#ab ,u4,s4,c4             
#dfa7;b77#a774  4