#aag? ,,congress  #b;d ,session  ,h4 ,r4
 #deij  ,,an ,,act  ,to require ! ,f$]al
 bank+ regulators to jo9tly conduct a   
/udy & develop a /rategic plan to       
address *all5ges fac$ by propos$        
depository in/itutions seek+ de novo    
depository in/itution *>t]s2 & = o!r    
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,promot+ ,new & ,div]se    
,depository ,in/itutions ,act4  #b4     
,/udy & /rategic plan  7a7 ,9 g5]al ,!  
,f$]al bank+ regulators %all jo9tly--   
7#a7 conduct a /udy ab\t ! *all5ges fac$
 by propos$ depository in/itutions1     
includ+ propos$ m9ority depository      
in/itutions1 seek+ de novo depository   
in/itution *>t]s2 &  7#b7 submit to !   
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! ,committee  
on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! 
,s5ate & publi% publically1 n lat] ?an  
#ah mon?s aft] ! date ( ! enactm5t ( ?is
 section--  7,a7 an analysis bas$ on !  
/udy conduct$ pursuant to p>agraph 7#a72
  7,b7 any f9d+s f ! /udy conduct$      

pursuant to p>agraph 7#a72 &  7,c7 any  
legislative recomm5dations t ! ,f$]al   
bank+ regulators develop$ bas$ on ! /udy
 conduct$ pursuant to p>agraph 7#a74    
7b7 ,/rategic plan  7#a7 ,9 g5]al ,n    
lat] ?an #ah mon?s aft] ! date ( !      
enactm5t ( ?is section1 ! ,f$]al bank+  
regulators %all jo9tly submit to !      
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! ,committee  
on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! 
,s5ate & publi% publically a /rategic   
plan bas$ on ! /udy conduct$ pursuant to
 subsection 7a7 & design$ to help       
propos$ depository in/itutions 7includ+ 
propos$ m9ority depository in/itutions7 
successfully apply = de novo depository 
in/itution *>t]s 9 a mann] t promotes   
increas$ availability ( bank+ & f9ancial
 s]vices1 safety & s\ndness1 consum]    
protection1 community re9ve/m5t1        
f9ancial /ability1 & a level play+      
field4  7#b7 ,cont5ts ( /rategic plan ,!
 /rategic plan describ$ 9 p>agraph 7#a7 
%all-- 7,a7 promote ! *>t]+ ( de novo   

depository in/itutions1 includ+--  7i7  
propos$ m9ority depository in/itutions2 
&  7ii7 propos$ depository in/itutions t
 c\ld be c]tifi$ z community developm5t 
f9ancial in/itutions2 &  7,b7 describe  
actions ! ,f$]al bank+ regulators may   
take t w\ld increase ! numb] (          
depository in/itutions locat$ 9         
geographic areas :]e consum]s lack      
access to a bran* ( a depository        
in/itution4  7c7 ,public involvem5t ,:5 
conduct+ ! /udy & develop+ ! /rategic   
plan requir$ by ?is ,act1 ! ,f$]al bank+
 regulators %all invite comm5ts & o!r   
fe$back f ! public to in=m ! /udy &     
/rategic plan4  7d7 ,def9itions ,9 ?is  
,act3 7#a7 ,depository in/itution ,! t]m
 depository in/itution has ! mean+ giv5 
9 section #c ( ! ,f$]al ,deposit        
,insurance ,act1 & includes a ,f$]al    
cr$it union & a ,/ate cr$it union z su* 
t]ms are def9$1 respectively1 "u section
 #aja ( ! ,f$]al ,cr$it ,union ,act4    
7#b7 ,community developm5t f9ancial     
in/itution ,! t]m community developm5t  

f9ancial in/itution has ! mean+ giv5 9  
section #ajc ( ! ,riegle ,community     
,developm5t & ,regulatory ,improvem5t   
,act ( #aiid4  7#c7 ,f$]al bank+        
regulators ,! t]m ,f$]al bank+          
regulators means ! ,bo>d ( ,gov]nors ( !
 ,f$]al ,res]ve ,sy/em1 ! ,comptroll] ( 
! ,curr5cy1 ! ,f$]al ,deposit ,insurance
 ,corporation1 ! ,national ,cr$it ,union
 ,adm9i/ration1 & ! ,director ( !       
,bureau ( ,consum] ,f9ancial            
,protection4  7#d7 ,m9ority depository  
in/itution ,! t]m m9ority depository    
in/itution has ! mean+ giv5 9 section   
#cjh7;b7 ( ! ,f9ancial ,in/itutions     
,re=m1 ,recov]y1 & ,en=cem5t ,act (     
#aihi4  7e7 ,r$uction  7#a7 ,9 g5]al    
,subp>agraph 7,a7 ( section #g7;a77#c7 (
 ! ,f$]al ,res]ve ,act 7#ab ,u4,s4,c4   
#bhi7;a77#c77;,a77 is am5d$ by r$uc+ !  
doll> figure describ$ 9 su* subp>agraph 
by #e1jjj1jjj4  7#b7 ,effective date ,! 
am5dm5t made by p>agraph 7#a7 %all take 
effect on ,septemb] #cj1 #bjbb4  #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 ,july #bf1 #bjbb4;,cl]k4