,,ib ,union ,cal5d> ,no4 #afc #aag?     
,,congress  #b;d ,session  ,h4 ,r4 #deij
 ,report ,no4 #aag-bbi ,,9 ,,! ,,h\se   
,,( ,,repres5tatives  ,july #ba1        
#bjba,mr4 ,au*9closs introduc$ ! foll[+ 
bill2 :i* 0 ref]r$ to ! ,committee on   
,f9ancial ,s]vices  ,janu>y #bj1        
#bjbb;,additional sponsors3 ,mr4 ,gre5 (
 ,texas1 ,mr4 ,mc,henry1 ,mr4 ,taylor1  
,mr4 ,kildee1 & ,mr4 ,danny ,k4 ,davis (
 ,ill9ois  ,janu>y #bj1 #bjbb,report$ ) 
an am5dm5t1 committ$ to ! ,committee ( !
 ,:ole ,h\se on ! ,/ate ( ! ,union1 &   
ord]$ to be printed,strike out all aft] 
! enact+ clause & ins]t ! "p pr9t$ 9    
italic,for text ( introduc$ bill1 see   
copy ( bill z introduc$ on ,july #ba1   
#bjba  ,a ,,bill  ,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  ,janu>y #bj1 #bjbb,report$ ) an 
am5dm5t1 committ$ to ! ,committee ( !   
,:ole ,h\se on ! ,/ate ( ! ,union1 &    
ord]$ to be pr9t$