,i  #aag? ,,congress  #a/ ,session  ,h4 
,r4 #fade  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,decemb] #g1 #bjba,mr4
 ,mann introduc$ ! foll[+ bill2 :i* 0   
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to require !      
appropriate ,f$]al bank+ ag5cies to     
develop a ,community ,bank ,lev]age     
,ratio t is betwe5 #h p]c5t & #h4e p]c5t
 = cal5d> ye>s #bjbb1 #bjbc1 & #bjbd1 & 
= o!r purposes4  #a4 ,%ort title ,?is   
,act may be cit$ z ! ,community ,bank   
,relief ,act ( #bjba4  #b4 ,community   
bank lev]age ratio ,section #bja ( !    
,economic ,gr[?1 ,regulatory ,relief1 & 
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecga note7 is am5d$ by /rik+          
subsection 7b7 & ins]t+ ! foll[+3  7b7  
,community bank lev]age ratio  7#a7 ,9  
g5]al ,! appropriate ,f$]al bank+       
ag5cies %all1 ?r\gh notice & comm5t rule
 mak+ "u section #eec ( title #e1 ,unit$
 ,/ates ,code-- 7,a7 develop a          
,community ,bank ,lev]age ,ratio ( n    
less ?an #h p]c5t & n m ?an #aj p]c5t = 

qualify+ community banks2 &  7,b7       
e/abli% proc$ures = treatm5t ( a        
qualify+ community bank t has a         
,community ,bank ,lev]age ,ratio t falls
 bel[ ! p]c5tage develop$ "u p>agraph   
7#a7 aft] exce$+ ! p]c5tage develop$ "u 
p>agraph 7#a74  7#b7 ,cal5d> ye>s #bjbb1
 #bjbc1 & #bjbd ,n )/&+ p>agraph 7#a71 !
 appropriate ,f$]al bank+ ag5cies %all1 
?r\gh notice & comm5t rule mak+ "u      
section #eec ( title #e1 ,unit$ ,/ates  
,code1 develop a ,community ,bank       
,lev]age ,ratio to apply dur+ ! p]iod   
beg9n+ on ,janu>y #a1 #bjbb1 & end+ on  
,decemb] #ca1 #bjbd1 t is n less ?an #h 
p]c5t & n m ?an #h4e p]c5t = qualify+   
community banks4  4