,,ib ,union ,cal5d> ,no4 #chf #aag?     
,,congress  #b;d ,session  ,h4 ,r4 #fhhi
 ,report ,no4 #aag-eag ,,9 ,,! ,,h\se   
,,( ,,repres5tatives  ,m>* #a1 #bjbb,mr4
 ,v>gas 7= himself1 ,ms4 ,port]1 ,mr4   
,aguil>1 ,ms4 ,roybal-,all>d1 ,ms4      
,titus1 ,mr4 ,case1 ,mr4 ,kahele1 ,ms4  
,br[nley1 ,mr4 ,gonzalez ( ,ohio1 ,mr4  
,sessions1 ,mr4 ,amodei1 ,mr4 ,timmons1 
,mr4 ,moore ( ,utah1 ,mr4 ,mooney1 ,mr4 
,budd1 ,mrs4 ,mill] ( ,ill9ois1 ,mr4    
,fitzpatrick1 ,mr4 ,davidson1 & ,mr4    
,johnson ( ,l\isiana7 introduc$ ! foll[+
 bill2 :i* 0 ref]r$ to ! ,committee on  
,f9ancial ,s]vices  ,septemb] #bh1      
#bjbb;,additional sponsors3 ,ms4 ,sn*ez1
 ,ms4 ,bonamici1 ,mr4 ,swalwell1 ,mrs4  
,torres ( ,cali=nia1 ,mr4 ,c>bajal1 ,mr4
 ,coh51 ,mr4 ,norman1 ,mr4 ,issa1 ,mr4  
,la,malfa1 ,mr4 ,bab91 ,ms4 ,mace1 ,mr4 
,wilson ( ,s\? ,c>ol9a1 ,mr4 ,b>r1 ,mr4 
,calv]t1 ,mr4 ,rodney ,davis ( ,ill9ois1
 ,ms4 ,craig1 ,ms4 ,norton1 ,mr4        
,fe5/ra1 ,mrs4 ,mc,clain1 ,mr4 ,moore ( 
,alabama1 ,mr4 ,g>b>9o1 ,mr4 ,g>am5di1  

,mr4 ,huffman1 ,ms4 ,adams1 ,mr4        
,panetta1 ,mr4 ,david ,scott ( ,georgia1
 ,mr4 ,co/a1 ,ms4 ,e%oo1 ,mr4 ,l[5?al1  
,mr4 ,%]man1 ,mr4 ,coop]1 ,mr4          
,l\d]milk1 ,mr4 ,valadao1 ,mrs4 ,h9son1 
,mr4 ,gro?man1 ,mr4 ,lev9 ( ,cali=nia1  
,mr4 ,pet]s1 ,mr4 ,crd5as1 ,mr4         
,de,saulnier1 ,mrs4 ,kim ( ,cali=nia1   
,mrs4 ,walorski1 ,mr4 ,s*iff1 ,mr4      
,hors=d1 ,mr4 ,kildee1 ,mr4 ,ru!r=d1    
,mr4 ,ob]nolte1 ,mr4 ,evans1 ,mr4       
,neguse1 ,mr4 ,bi%op ( ,georgia1 ,mr4   
,emm]1 ,mr4 ,bilirakis1 ,mr4 ,c>l1 ,mr4 
,kelly ( ,mississippi1 ,mr4 ,bur*ett1   
,mr4 ,lieu1 ,ms4 ,mann+1 ,mrs4 ,fis*ba*1
 ,mr4 ,kelly ( ,p5nsylvania1 ,ms4 ,h]r]a
 ,beutl]1 ,mr4 ,ku/(f1 ,mr4 ,arm/rong1  
,mr4 ,blum5au]1 ,mr4 ,ca/51 ,mrs4 ,lee (
 ,nevada1 ,ms4 ,mc,collum1 ,mr4 ,san    
,nicolas1 ,mr4 ,phillips1 ,ms4 ,*u1 ,mr4
 ,posey1 ,mr4 ,huiz5ga1 ,mr4 ,mc,kinley1
 ,mr4 ,b5tz1 ,ms4 ,davids ( ,kansas1    
,mr4 ,la,turner1 ,mr4 ,griffi?1 ,mr4    
,mann1 ,mr4 ,/aub]1 ,mrs4 ,mill]-,meeks1
 ,mrs4 ,/eel1 ,mrs4 ,bice ( ,oklahoma1  

,mr4 ,johnson ( ,s\? ,dakota1 ,ms4      
,wild1 ,mr4 ,lamborn1 ,mr4 ,l>s5 (      
,wa%+ton1 ,ms4 ,williams ( ,georgia1    
,ms4 ,b\rdeaux1 ,mr4 ,cr[1 ,mrs4 ,luria1
 ,mr4 ,kilm]1 ,mr4 ,f9/ad1 & ,mr4 ,ful*]
  ,septemb] #bh1 #bjbb,report$ )        
am5dm5ts1 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 ,m>* #a1     
#bjbb  ,a ,,bill  ,to m5d ! ,f$]al      
,cr$it ,union ,act to modify ! frequ5cy 
( bo>d ( directors meet+s1 & = o!r      
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,cr$it ,union ,bo>d        
,mod]nization ,act4  #b4 ,frequ5cy (    
bo>d ( directors meet+s ,section #aac ( 
! ,f$]al ,cr$it ,union ,act 7#ab        
,u4,s4,c4 #agfa;b7 is am5d$-- 7#a7 by   
/rik+ mon?ly ea* place su* t]m appe>s2  
7#b7 9 ! matt] prec$+ p>agraph 7#a71 by 
/rik+ ,! bo>d ( directors & ins]t+ !    
foll[+3  7a7 ,9 g5]al ,! bo>d (         

directors  2  7#c7 9 subsection 7a7 7z s
 designat$71 by /rik+ %all meet at lea/ 
once a mon? &2 &  7#d7 by add+ at ! end 
! foll[+3  7b7 ,meet+s ,! bo>d (        
directors ( a ,f$]al cr$it union %all   
meet z foll[s3 7#a7 ,) respect to a de  
novo ,f$]al cr$it union1 n less         
frequ5tly ?an mon?ly dur+ ea* ( ! fir/  
five ye>s ( ! exi/5ce ( su* ,f$]al cr$it
 union4  7#b7 ,n less ?an six times     
annually1 ) at lea/ "o meet+ held dur+  
ea* fiscal qu>t]1 ) respect to a ,f$]al 
cr$it union-- 7,a7 ) composite rat+ (   
ei!r #a or #b "u ! ,uni=m ,f9ancial     
,in/itutions ,rat+ ,sy/em 7or an        
equival5t rat+ "u a comp>able rat+      
sy/em72 &  7,b7 ) a capability (        
managem5t rat+ "u su* composite rat+ (  
ei!r #a or #b4  7#c7 ,n less frequ5tly  
?an once a mon?1 ) respect to a ,f$]al  
cr$it union-- 7,a7 ) composite rat+ (   
ei!r #c1 #d1 or #e "u ! ,uni=m ,f9ancial
 ,in/itutions ,rat+ ,sy/em 7or an       
equival5t rat+ "u a comp>able rat+      
sy/em72 or  7,b7 ) a capability (       

managem5t rat+ "u su* composite rat+ (  
ei!r #c1 #d1 or #e4  4  ,am5d ! title s 
z to read3 ,a bill to am5d ! ,f$]al     
,cr$it ,union ,act to modify ! frequ5cy 
( bo>d ( directors meet+s1 & = o!r      
purposes44 ,septemb] #bh1 #bjbb,report$ 
) am5dm5ts1 committ$ to ! ,committee ( !
 ,:ole ,h\se on ! ,/ate ( ! ,union1 &   
ord]$ to be pr9t$