,,ib ,union ,cal5d> ,no4 #bcd #aag?     
,,congress  #b;d ,session  ,h4 ,r4 #eiaa
 ,report ,no4 #aag-cad ,,9 ,,! ,,h\se   
,,( ,,repres5tatives  ,novemb] #i1      
#bjba,mrs4 ,beatty 7= h]self & ,mr4     
,au*9closs7 introduc$ ! foll[+ bill2 :i*
 0 ref]r$ to ! ,committee on ,f9ancial  
,s]vices  ,may #aj1 #bjbb;,additional   
sponsor3 ,mr4 ,sessions  ,may #aj1      
#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    
,novemb] #i1 #bjba  ,a ,,bill  ,to am5d 
! ,f$]al ,deposit ,insurance ,act & !   
,f$]al ,cr$it ,union ,act to exp&       
employm5t opportunities = ^? ) a previ\s
 m9or crim9al (f5se1 & = o!r purposes4  
#a4 ,%ort title ,?is ,act may be cit$ z 
! ,fair ,hir+ 9 ,bank+ ,act4  #b4 ,f$]al
 ,deposit ,insurance ,act ,section #ai (
 ! ,f$]al ,deposit ,insurance ,act 7#ab 
,u4,s4,c4 #ahbi7 is am5d$-- 7#a7 by     

ins]t+ aft] subsection 7b7 ! foll[+3    
7c7 ,exceptions  7#a7 ,c]ta9 old] (f5ses
  7,a7 ,9 g5]al ,) respect to an        
individual1 subsection 7a7 %all n apply 
to an (f5se if-- 7i7 x has be5 #g ye>s  
or m s9ce ! (f5se occurr$2 or  7ii7 !   
individual 0 inc>c]at$ ) respect to !   
(f5se & x has be5 #e ye>s or m s9ce !   
individual 0 releas$ f inc>c]ation4     
7,b7 ,(f5ses committ$ by individuals #ba
 or y\ng] ,= individuals :o committ$ an 
(f5se :5 !y 7 #ba ye>s ( age or y\ng]1  
subsection 7a7 %all n apply to ! (f5se  
if x has be5 m ?an #cj mon?s s9ce !     
s5t5c+ occurr$4  7,c7 ,limitation ,?is  
p>agraph %all n apply to an (f5se       
describ$ "u subsection 7a77#b74  7#b7   
,expungem5t & seal+ ,) respect to an    
individual1 subsection 7a7 %all n apply 
to an (f5se if-- 7,a7 !re is an ord] (  
expungem5t1 seal+1 or dismissal t has   
be5 issu$ 9 reg>d to ! conviction 9     
connection ) su* (f5se2 &  7,b7 x is    
int5d$ by ! language 9 ! ord] itself1 or
 9 ! legislative provisions "u :i* !    

ord] 0 issu$1 t ! conviction %all be    
de/roy$ or seal$ f ! individual's ,/ate 
or ,f$]al record1 ev5 if exceptions all[
 ! record to be consid]$ = c]ta9 "* &   
fitness evaluation purposes4  7#c7 ,de  
m9imis exemption  7,a7 ,9 g5]al         
,subsection 7a7 %all n apply to su* de  
m9imis (f5ses z ! ,corporation det]m9es1
 by rule4  7,b7 ,conf9em5t crit]ia ,9   
issu+ rules "u subp>agraph 7,a71 !      
,corporation %all include a requirem5t t
 ! (f5se 0 puni%able by a t]m ( ?ree    
ye>s or less conf9$ 9 a correctional    
facility1 :]e su* conf9em5t-- 7i7 is    
calculat$ bas$ on ! "t an individual    
sp5t inc>c]at$ z a puni%m5t or a        
sanction1 n z pretrial det5tion2 &  7ii7
 does n include probation or p>ole :]e  
an individual 0 re/rict$ to a p>ticul>  
jurisdiction or 0 requir$ to report     
occasionally to an individual or a      
specific location4  7,c7 ,bad *eck      
crit]ia ,9 sett+ ! crit]ia = de m9imis  
(f5ses "u subp>agraph 7,a71 if !        
,corporation e/abli%es crit]ia ) respect

 to insuffici5t funds *ecks1 !          
,corporation %all require t ! aggregate 
total face value ( all insuffici5t funds
 *ecks across all convictions or program
 entries relat$ to insuffici5t funds    
*ecks is #b1jjj or less4  7,d7          
,designat$ less] (f5ses ,subsection 7a7 
%all n apply to c]ta9 less] (f5ses      
7includ+ ! use ( a fake ,,id1 %oplift+1 
trespass1 f>e evasion1 driv+ ) an expir$
 lic5se or tag1 & su* o!r l[-risk (f5ses
 z ! ,corporation may designate7 if #a  
ye> or m has pass$ s9ce ! applicable    
conviction or program entry4  2 &  7#b7 
by add+ at ! end ! foll[+3  7f7 ,cons5t 
applications  7#a7 ,9 g5]al ,!          
,corporation %all accept cons5t         
applications f an individual & f an     
insur$ depository in/itution or         
depository in/itution hold+ company on  
behalf ( an individual t are fil$       
sep>ately or contemporane\sly ) a       
regional (fice ( ! ,corporation4  7#b7  
,sponsor$ applications fil$ ) regional  
(fices ,cons5t applications fil$ at a   

regional (fice ( ! ,corporation by an   
insur$ depository in/itution or         
depository in/itution hold+ company on  
behalf ( an individual-- 7,a7 %all be   
review$ by su* (fice2  7,b7 may be      
approv$ or d5i$ by su* (fice1 if su*    
au?ority has be5 delegat$ to su* (fice  
by ! ,corporation2 &  7,c7 may only be  
d5i$ by su* (fice if ! g5]al c\nsel ( ! 
,corporation 7or a designee7 c]tifies t 
! d5ial is consi/5t ) ?is section4  7#c7
 ,individual applications fil$ )        
regional (fices ,cons5t applications    
fil$ at a regional (fice by an          
individual-- 7,a7 %all be review$ by su*
 (fice2 &  7,b7 may be approv$ or d5i$  
by su* (fice1 if su* au?ority has be5   
delegat$ to su* (fice by ! ,corporation1
 except ) respect to-- 7i7 cases involv+
 an (f5se describ$ "u subsection        
7a77#b72 &  7ii7 su* o!r high-level     
security cases z may be designat$ by !  
,corporation4  7#d7 ,national (fice     
review ,! national (fice ( !            
,corporation %all-- 7,a7 review any     

cons5t application ) respect to :i* a   
regional (fice is n au?oriz$ to approve 
or d5y ! application2 &  7,b7 review any
 cons5t application t is d5i$ by a      
regional (fice1 if ! individual reque/s 
a review by ! national (fice4  7#e7 ,=ms
 & in/ructions  7,a7 ,availability ,!   
,corporation %all make all =ms &        
in/ructions relat$ to cons5t            
applications available to ! public1     
includ+ on ! website ( ! ,corporation4  
7,b7 ,cont5ts ,! =ms & in/ructions      
describ$ "u subp>agraph 7,a7 %all       
provide a sample cov] lett] & a         
compreh5sive li/ ( items t may accompany
 ! application1 includ+ cle> guidance on
 evid5ce t may support a f9d+ (         
rehabilitation4  7#f7 ,consid]ation (   
crim9al hi/ory  7,a7 ,regional (fice    
consid]ation ,9 review+ a cons5t        
application1 a regional (fice %all-- 7i7
 prim>ily rely on ! crim9al hi/ory      
record ( ! ,f$]al ,bureau (             
,inve/igation2 &  7ii7 provide su*      
record to ! applicant to review =       

accuracy4  7,b7 ,c]tifi$ copies ,!      
,corporation may n require an applicant 
to provide c]tifi$ copies ( crim9al     
hi/ory records unless ! ,corporation    
det]m9es t !re is a cle> & compell+     
ju/ification to require additional      
in=mation to v]ify ! accuracy ( !       
crim9al hi/ory record ( ! ,f$]al ,bureau
 ( ,inve/igation4  7#g7 ,consid]ation ( 
rehabilitation ,consi/5t ) title ,,vii (
 ! ,civil ,rights ,act ( #aifd 7#db     
,u4,s4,c4 #bjjj;e et seq471 !           
,corporation %all-- 7,a7 conduct an     
individualiz$ assessm5t :5 evaluat+     
cons5t applications t takes into acc\nt 
evid5ce ( rehabilitation1 ! applicant's 
age at ! "t ( ! conviction or program   
entry1 ! "t t has elaps$ s9ce conviction
 or program entry1 & ! relation%ip (    
individual's (f5se to ! responsibilities
 ( ! applicable position2  7,b7 consid] 
! individual's employm5t hi/ory1 lett]s 
( recomm5dation1 c]tificates docum5t+   
p>ticipation 9 sub/ance abuse programs1 
successful p>ticipat+ 9 job prep>ation &

 educational programs1 & o!r relevant   
mitigat+ evid5ce2 &  7,c7 consid] any   
additional in=mation ! ,corporation     
det]m9es necess>y = safety & s\ndness4  
7#h7 ,scope ( employm5t ,) respect to an
 approv$ cons5t application fil$ by an  
insur$ depository in/itution or         
depository in/itution hold+ company on  
behalf ( an individual1 if !            
,corporation det]m9es x appropriate1 su*
 approv$ cons5t application %all all[ ! 
individual to "w = ! same employ] 7)\t  
re/rictions on ! location7 & across     
positions1 except t ! prior cons5t ( !  
,corporation 7:i* may require a new     
application7 %all be requir$ = any      
propos$ significant *anges 9 !          
individual's security-relat$ duties or  
responsibilities1 su* z promotion to an 
(fic] or o!r positions t ! employ]      
det]m9es w require high] security scre5+
 cr$5tials4  7#i7 ,coord9ation ) !      
,,ncua ,9 c>ry+ out ?is section1 !      
,corporation %all consult & coord9ate ) 
! ,national ,cr$it ,union ,adm9i/ration 

z ne$$ to promote consi/5t implem5tation
 :]e appropriate4  7g7 ,def9itions ,9   
?is section3 7#a7 ,cons5t application ,!
 t]m cons5t application means an        
application fil$ ) ,corporation by an   
individual 7or by an insur$ depository  
in/itution or depository in/itution     
hold+ company on behalf ( an individual7
 seek+ ! writt5 cons5t ( ! ,corporation 
"u subsection 7a77#a74  7#b7 ,crim9al   
(f5se involv+ di%one/y ,! t]m crim9al   
(f5se involv+ di%one/y-- 7,a7 means an  
(f5se "u :i* an individual1 directly or 
indirectly-- 7i7 *eats or defrauds2 or  
7ii7 wrongfully takes prop]ty belong+ to
 ano!r 9 violation ( a crim9al /atute2  
7,b7 includes an (f5se t ,f$]al1 ,/ate1 
or local law def9es z di%one/1 or = :i* 
di%one/y is an elem5t ( ! (f5se2 &  7,c7
 does n include-- 7i7 a misdemeanor     
crim9al (f5se committ$ m ?an "o ye> be=e
 ! date on :i* an individual files a    
cons5t application1 exclud+ any p]iod ( 
inc>c]ation2 or  7ii7 an (f5se involv+ !
 possession ( controll$ sub/ances4  7#c7

 ,pretrial div]sion or simil> program ,!
 t]m pretrial div]sion or simil> program
 means a program *>act]iz$ by a         
susp5sion or ev5tual dismissal or       
rev]sal ( *>ges or crim9al prosecution  
^u agreem5t by ! accus$ to re/itution1  
drug or alcohol rehabilitation1 ang]    
managem5t1 or community s]vice4  4  #c4 
,f$]al ,cr$it ,union ,act ,section      
#bje7;d7 ( ! ,f$]al ,cr$it ,union ,act  
7#ab ,u4,s4,c4 #aghe7;d77 is am5d$ by   
add+ at ! end ! foll[+3  7#d7           
,exceptions  7,a7 ,c]ta9 old] (f5ses    
7i7 ,9 g5]al ,) respect to an           
individual1 p>agraph 7#a7 %all n apply  
to an (f5se if-- 7,i7 x has be5 #g ye>s 
or m s9ce ! (f5se occurr$2 or  7,,ii7 ! 
individual 0 inc>c]at$ ) respect to !   
(f5se & x has be5 #e ye>s or m s9ce !   
individual 0 releas$ f inc>c]ation4     
7ii7 ,(f5ses committ$ by individuals #ba
 or y\ng] ,= individuals :o committ$ an 
(f5se :5 !y 7 #ba ye>s ( age or y\ng]1  
p>agraph 7#a7 %all n apply to ! (f5se if
 x has be5 m ?an #cj mon?s s9ce ! s5t5c+

 occurr$4  7iii7 ,limitation ,?is       
subp>agraph %all n apply to an (f5se    
describ$ "u p>agraph 7#a77;,b74  7,b7   
,expungem5t & seal+ ,) respect to an    
individual1 p>agraph 7#a7 %all n apply  
to an (f5se if-- 7i7 !re is an ord] (   
expungem5t1 seal+1 or dismissal t has   
be5 issu$ 9 reg>d to ! conviction 9     
connection ) su* (f5se2 &  7ii7 x is    
int5d$ by ! language 9 ! ord] itself1 or
 9 ! legislative provisions "u :i* !    
ord] 0 issu$1 t ! conviction %all be    
de/roy$ or seal$ f ! individual's ,/ate 
or ,f$]al record1 ev5 if exceptions all[
 ! record to be consid]$ = c]ta9 "* &   
fitness evaluation purposes4  7,c7 ,de  
m9imis exemption  7i7 ,9 g5]al ,p>agraph
 7#a7 %all n apply to su* de m9imis     
(f5ses z ! ,bo>d det]m9es1 by rule4     
7ii7 ,conf9em5t crit]ia ,9 issu+ rules  
"u clause 7i71 ! ,bo>d %all include a   
requirem5t t ! (f5se 0 puni%able by a   
t]m ( ?ree ye>s or less conf9$ 9 a      
correctional facility1 :]e su*          
conf9em5t-- 7,i7 is calculat$ bas$ on ! 

"t an individual sp5t inc>c]at$ z a     
puni%m5t or a sanction1 n z pretrial    
det5tion2 &  7,,ii7 does n include      
probation or p>ole :]e an individual 0  
re/rict$ to a p>ticul> jurisdiction or 0
 requir$ to report occasionally to an   
individual or a specific location4      
7iii7 ,bad *eck crit]ia ,9 sett+ !      
crit]ia = de m9imis (f5ses "u clause    
7i71 if ! ,bo>d e/abli%es crit]ia )     
respect to insuffici5t funds *ecks1 !   
,bo>d %all require t ! aggregate total  
face value ( all insuffici5t funds *ecks
 across all convictions or program      
entries relat$ to insuffici5t funds     
*ecks is #b1jjj or less4  7iv7          
,designat$ less] (f5ses ,p>agraph 7#a7  
%all n apply to c]ta9 less] (f5ses      
7includ+ ! use ( a fake ,,id1 %oplift+1 
trespass1 f>e evasion1 driv+ ) an expir$
 lic5se or tag1 & su* o!r l[-risk (f5ses
 z ! ,bo>d may designate7 if #a ye> or m
 has pass$ s9ce ! applicable conviction 
or program entry4  7#e7 ,cons5t         
applications  7,a7 ,9 g5]al ,! ,bo>d    

%all accept cons5t applications f an    
individual & f an insur$ cr$it union on 
behalf ( an individual t are fil$       
sep>ately or contemporane\sly ) a       
regional (fice ( ! ,bo>d4  7,b7         
,sponsor$ applications fil$ ) regional  
(fices ,cons5t applications fil$ at a   
regional (fice ( ! ,bo>d by an insur$   
cr$it union on behalf ( an individual-- 
7i7 %all be review$ by su* (fice2  7ii7 
may be approv$ or d5i$ by su* (fice1 if 
su* au?ority has be5 delegat$ to su*    
(fice by ! ,bo>d2 &  7iii7 may only be  
d5i$ by su* (fice if ! g5]al c\nsel ( ! 
,bo>d 7or a designee7 c]tifies t ! d5ial
 is consi/5t ) ?is section4  7,c7       
,individual applications fil$ ) regional
 (fices ,cons5t applications fil$ at a  
regional (fice by an individual-- 7i7   
%all be review$ by su* (fice2 &  7ii7   
may be approv$ or d5i$ by su* (fice1 if 
su* au?ority has be5 delegat$ to su*    
(fice by ! ,bo>d1 except ) respect to-- 
7,i7 cases involv+ an (f5se describ$ "u 
p>agraph 7#a77;,b72 &  7,,ii7 su* o!r   

high-level security cases z may be      
designat$ by ! ,bo>d4  7,d7 ,national   
(fice review ,! national (fice ( ! ,bo>d
 %all-- 7i7 review any cons5t           
application ) respect to :i* a regional 
(fice is n au?oriz$ to approve or d5y ! 
application2 &  7ii7 review any cons5t  
application t is d5i$ by a regional     
(fice1 if ! individual reque/s a review 
by ! national (fice4  7,e7 ,=ms &       
in/ructions  7i7 ,availability ,! ,bo>d 
%all make all =ms & in/ructions relat$  
to cons5t applications available to !   
public1 includ+ on ! website ( ! ,bo>d4 
7ii7 ,cont5ts ,! =ms & in/ructions      
describ$ "u clause 7i7 %all provide a   
sample cov] lett] & a compreh5sive li/ (
 items t may accompany ! application1   
includ+ cle> guidance on evid5ce t may  
support a f9d+ ( rehabilitation4  7,f7  
,consid]ation ( crim9al hi/ory  7i7     
,regional (fice consid]ation ,9 review+ 
a cons5t application1 a regional (fice  
%all-- 7,i7 prim>ily rely on ! crim9al  
hi/ory record ( ! ,f$]al ,bureau (      

,inve/igation2 &  7,,ii7 provide su*    
record to ! applicant to review =       
accuracy4  7ii7 ,c]tifi$ copies ,! ,bo>d
 may n require an applicant to provide  
c]tifi$ copies ( crim9al hi/ory records 
unless ! ,bo>d det]m9es t !re is a cle> 
& compell+ ju/ification to require      
additional in=mation to v]ify ! accuracy
 ( ! crim9al hi/ory record ( ! ,f$]al   
,bureau ( ,inve/igation4  7,g7          
,consid]ation ( rehabilitation ,consi/5t
 ) title ,,vii ( ! ,civil ,rights ,act (
 #aifd 7#db ,u4,s4,c4 #bjjj;e et seq471 
! ,bo>d %all-- 7i7 conduct an           
individualiz$ assessm5t :5 evaluat+     
cons5t applications t takes into acc\nt 
evid5ce ( rehabilitation1 ! applicant's 
age at ! "t ( ! conviction or program   
entry1 ! "t t has elaps$ s9ce conviction
 or program entry1 & ! relation%ip (    
individual's (f5se to ! responsibilities
 ( ! applicable position2  7ii7 consid] 
! individual's employm5t hi/ory1 lett]s 
( recomm5dation1 c]tificates docum5t+   
p>ticipation 9 sub/ance abuse programs1 

successful p>ticipat+ 9 job prep>ation &
 educational programs1 & o!r relevant   
mitigat+ evid5ce2 &  7iii7 consid] any  
additional in=mation ! ,bo>d det]m9es   
necess>y = safety & s\ndness4  7,h7     
,scope ( employm5t ,) respect to an     
approv$ cons5t application fil$ by an   
insur$ cr$it union on behalf ( an       
individual1 if ! ,bo>d det]m9es x       
appropriate1 su* approv$ cons5t         
application %all all[ ! individual to "w
 = ! same employ] 7)\t re/rictions on ! 
location7 & across positions1 except t !
 prior cons5t ( ! ,bo>d 7:i* may require
 a new application7 %all be requir$ =   
any propos$ significant *anges 9 !      
individual's security-relat$ duties or  
responsibilities1 su* z promotion to an 
(fic] or o!r positions t ! employ]      
det]m9es w require high] security scre5+
 cr$5tials4  7,i7 ,coord9ation ) ,,fdic 
,9 c>ry+ out ?is subsection1 ! ,bo>d    
%all consult & coord9ate ) ! ,f$]al     
,deposit ,insurance ,corporation z ne$$ 
to promote consi/5t implem5tation :]e   

appropriate4  7#f7 ,def9itions ,9 ?is   
subsection3 7,a7 ,cons5t application ,! 
t]m cons5t application means an         
application fil$ ) ,bo>d by an          
individual 7or by an insur$ cr$it union 
on behalf ( an individual7 seek+ !      
writt5 cons5t ( ! ,bo>d "u p>agraph     
7#a77;,a74  7,b7 ,crim9al (f5se involv+ 
di%one/y ,! t]m crim9al (f5se involv+   
di%one/y-- 7i7 means an (f5se "u :i* an 
individual1 directly or indirectly--    
7,i7 *eats or defrauds2 or  7,,ii7      
wrongfully takes prop]ty belong+ to     
ano!r 9 violation ( a crim9al /atute2   
7ii7 includes an (f5se t ,f$]al1 ,/ate1 
or local law def9es z di%one/1 or = :i* 
di%one/y is an elem5t ( ! (f5se2 &      
7iii7 does n include-- 7,i7 a           
misdemeanor crim9al (f5se committ$ m ?an
 "o ye> be=e ! date on :i* an individual
 files a cons5t application1 exclud+ any
 p]iod ( inc>c]ation2 or  7,,ii7 an     
(f5se involv+ ! possession ( controll$  
sub/ances4  7,c7 ,pretrial div]sion or  
simil> program ,! t]m pretrial div]sion 

or simil> program means a program       
*>act]iz$ by a susp5sion or ev5tual     
dismissal or rev]sal ( *>ges or crim9al 
prosecution ^u agreem5t by ! accus$ to  
re/itution1 drug or alcohol             
rehabilitation1 ang] managem5t1 or      
community s]vice4  4  #d4 ,review &     
report to ,congress ,n lat] ?an ! end ( 
! #b-ye> p]iod beg9n+ on ! date (       
enactm5t ( ?is ,act1 ! ,f$]al ,deposit  
,insurance ,corporation & ! ,national   
,cr$it ,union ,adm9i/ration %all-- 7#a7 
review ! rules issu$ to c>ry out ?is    
,act & ! am5dm5ts made by ?is ,act on-- 
7,a7 ! application ( section #ai ( !    
,f$]al ,deposit ,insurance ,act 7#ab    
,u4,s4,c4 #ahbi7 & section #bje7;d7 ( ! 
,f$]al ,cr$it ,union ,act 7#ab ,u4,s4,c4
 #aghe7;d772  7,b7 ! numb] (            
applications = cons5t applications "u   
su* sections2 &  7,c7 ! rates ( approval
 & d5ial = cons5t applications "u su*   
sections2  7#b7 make ! results ( !      
review requir$ "u p>agraph 7#a7         
available to ! public2 &  7#c7 issue a  

report to ,congress conta9+ any         
legislative or regulatory recomm5dations
 = exp&+ employm5t opportunities = ^? ) 
a previ\s m9or crim9al (f5se4  ,may #aj1
 #bjbb,report$ ) an am5dm5t1 committ$ to
 ! ,committee ( ! ,:ole ,h\se on ! ,/ate
 ( ! ,union1 & ord]$ to be pr9t$