,i  #aag? ,,congress  #b;d ,session  ,h4
 ,r4 #hhcc  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,septemb] #ae1 #bjbb  
,ms4 ,wat]s introduc$ ! foll[+ bill2 :i*
 0 ref]r$ to ! ,committee on ,f9ancial  
,s]vices  ,a ,,bill  ,to am5d !         
,community ,re9ve/m5t ,act ( #aigg to   
improve ! assessm5t process = f9ancial  
in/itutions "u t ,act1 & = o!r purposes4
  #a4 ,%ort title ,?is ,act may be cit$ 
z ! ,mak+ ,communities ,/rong] ?r\gh !  
,community ,re9ve/m5t ,act4  #b4 ,f9d+  
,! ,congress f9ds t ,s5ator ,william    
,proxmire1 :o au?or$ ! ,community       
,re9ve/m5t ,act ( #aigg legislation1    
te/ifi$ :5 discuss+ its purpose3 ,by    
r$l9+ 4 4 4 ,i am talk+ ab\t ! fact t   
banks & sav+s & loans w take _! deposits
 f a community & in/ead ( re9ve/+ !m 9 t
 community1 !y w actually or            
figuratively draw a r$ l9e on a map     
ar\nd ! areas ( _! city1 sometimes 9 !  
inn] city1 sometimes 9 ! old]           
neighborhoods1 sometimes e?nic &        
sometimes black1 b (t5 encompass+ a     

great area ( _! neighborhood44  #c4     
,assessm5t ( community s]vice  7a7 ,9   
g5]al ,section #hjd ( ! ,community      
,re9ve/m5t ,act ( #aigg 7#ab ,u4,s4,c4  
#bijc7 is am5d$ by add+ at ! end !      
foll[+3  7e7 ,assessm5t ( community     
s]vice  7#a7 ,9 g5]al ,9 assess+ & tak+ 
into acc\nt1 "u subsection 7a71 any     
community s]vice or *>ity "w p]=m$ by ! 
executives1 bo>d memb]s1 & employees ( a
 f9ancial in/itution1 ! appropriate     
,f$]al f9ancial sup]visory ag5cy may n  
give any cr$it = su* s]vice or "w       
unless--  7,a7 ! executives1 bo>d       
memb]s1 & employees p]=m+ su* s]vice or 
"w 7 act+ z repres5tatives ( ! f9ancial 
in/itution at ! "t ! s]vice or "w 7     
p]=m$2  7,b7 ) respect to a f9ancial    
in/itution ) total consolidat$ assets ( 
at lea/ #b1jjj1jjj1jjj1 ! f9ancial      
in/itution--  7i7 collects & ma9ta9s    
relevant in=mation ) respect to !       
community s]vice & *>ity "w ( ! f9ancial
 in/itution1 9 a =mat prescrib$ by !    
appropriate ,f$]al f9ancial sup]visory  

ag5cy2 &  7ii7 reports su* in=mation on 
an annual basis to ! appropriate ,f$]al 
f9ancial sup]visory ag5cy2 &  7,c7 !    
f9ancial in/itution demon/rates ! impact
 ( ! community s]vice or *>ity "w on l[-
 & mod]ate-income neighborhoods1 includ+
 :e!r ! community s]vice or *>ity "w--  
7i7 s]ves p]si/5t pov]ty c\nties2  7ii7 
s]ves geographic areas ) l[ levels (    
community developm5t f9anc+2  7iii7     
supports a m9ority depository           
in/itution1 wom5's depository           
in/itution1 l[-income cr$it union1 or a 
community developm5t f9ancial in/itution
 c]tifi$ by ! ,secret>y ( ! ,treasury2  
7iv7 s]ves l[-income individuals &      
families2  7v7 supports small bus9esses 
or small f>ms ) gross annual rev5ues (  
#bej1jjj or less2  7vi7 directly        
facilitates ! acquisition1 con/ruction1 
developm5t1 pres]vation1 or improvem5t (
 af=dable h\s+ 9 high opportunity areas2
  7vii7 b5efits ,native communities1 su*
 z--  7,i7 revitalization activities 9  
,native ,l& ,areas2  7,,ii7 ess5tial    

community facilities 9 ,native ,l&      
,areas2  7,,iii7 ess5tial community     
infra/ructure 9 ,native ,l& ,areas2 &   
7,,iv7 disa/] prep>$ness & climate      
resili5cy activities 9 ,native ,l&      
,areas2  7viii7 reflects a high degree (
 engagem5t ) community p>tn]s1 & are    
highly responsive to ! ne$s ( l[-income 
communities2  7ix7 result 9 a new       
community developm5t f9anc+ product or  
s]vice t addresses community developm5t 
ne$s = l[- or mod]ate-income individuals
 & families2 or  7x7 s]ves limit$       
,engli% pr(ici5t communities4  7#b7     
,def9itions ,9 ?is subsection3  7,a7    
,community developm5t f9ancial          
in/itution ,! t]m community developm5t  
f9ancial in/itution has ! mean+ giv5 t  
t]m "u section #ajc ( ! ,riegle         
,community ,developm5t & ,regulatory    
,improvem5t ,act ( #aiid 7#ab ,u4,s4,c4 
#dgjb74  7,b7 ,high opportunity area ,! 
t]m high opportunity area means an      
area--  7i7 designat$ by-- 7,i7 !       
,secret>y ( ,h\s+ & ,urban ,developm5t z

 a ,difficult ,developm5t ,area2 or     
7,,ii7 a ,/ate or local qualifi$        
allocation plan z a high opportunity    
area2 &  7ii7 ) a pov]ty rate bel[--    
7,i7 #aj p]c5t1 ) respect to a          
metropolitan area2 or  7,,ii7 #ae p]c5t1
 ) respect to an area t is n a          
metropolitan area4  7,c7 ,native ,l&    
,area ,! t]m ,native ,l& ,area means--  
7i7 all l& )9 ! limits ( any ,indian    
res]vation "u ! jurisdiction ( ! ,f$]al 
,gov]nm5t1 z describ$ 9 section         
#aaea7;a7 ( title #ah1 ,unit$ ,/ates    
,code2  7ii7 all dep5d5t ,indian        
communities )9 ! bord]s ( ! ,unit$      
,/ates :e!r )9 ! orig9al or subsequ5tly 
acquir$ t]ritory !re(1 & :e!r )9 or )\t 
! limits ( a ,/ate1 z describ$ 9 section
 #aaea7;b7 ( title #ah1 ,unit$ ,/ates   
,code2  7iii7 all ,indian allotm5ts1 !  
,indian titles to :i* h n be5 ext+ui%$1 
includ+ rights-(-way runn+ ?r\gh ! same1
 z def9$ 9 section #aaea7;c7 ( title    
#ah1 ,unit$ ,/ates ,code2  7iv7 any l&  
held 9 tru/ by ! ,unit$ ,/ates = ,native

 ,am]icans1 z describ$ 9 section        
#cgfe7a77;,a7 ( title #ch1 ,unit$ ,/ates
 ,code2  7v7 res]vations e/abli%$ by a  
,/ate gov]nm5t = a ,tribe or ,tribes    
recogniz$ by ! ,/ate2  7vi7 any ,alaska 
,native village z def9$ 9 section #c ( !
 ,alaska ,native ,claims ,settlem5t ,act
 7#dc ,u4,s4,c4 #afjb72  7vii7 l&s t h !
 /atus ( ,hawaiian ,home ,l&s z def9$ 9 
section #bjd ( ! ,hawaiian ,homes       
,commission ,act1 #aibj 7#db ,/at4      
#ajh72  7viii7 areas def9$ by ! ,bureau 
( ! ,c5sus z ,alaska ,native ,village   
,/ati/ical ,areas1 ,oklahoma ,tribal    
,/ati/ical ,areas1 ,tribal-,designat$   
,/ati/ical ,areas1 or ,am]ican ,indian  
,jo9t-,use ,areas2 &  7ix7 l& areas (   
,/ate-recogniz$ ,indian tribes & h]itage
 gr\ps t are def9$ & recogniz$ by       
individual ,/ates & includ$ 9 ! annual  
,b\nd>y & ,annexation ,survey ( !       
,bureau ( ! ,c5sus4  7,d7 ,p]si/5t      
pov]ty c\nty ,t]m p]si/5t pov]ty c\nty  
means a c\nty t has _h pov]ty rates (   
#bj p]c5t or m = ! pa/ #cj ye>s1 z      

measur$ by ! mo/ rec5t dec5nial c5suses4
  4  7b7 ,effective date ,section       
#hjd7;e7 ( ! ,community ,re9ve/m5t ,act 
( #aigg1 z add$ by subsection 7a71 %all 
take effect aft] ! end ( ! #ij-;day     
p]iod beg9n+ on ! date ( enactm5t ( ?is 
,act4  #d4 ,treatm5t ( illegal &        
discrim9atory activity ,section #hjd ( !
 ,community ,re9ve/m5t ,act ( #aigg 7#ab
 ,u4,s4,c4 #bijc71 z am5d$ by section   
#c1 is fur!r am5d$ by add+ at ! end !   
foll[+3  7f7 ,treatm5t ( illegal or     
discrim9atory activity  7#a7 ,9 g5]al ,9
 assess+ & tak+ into acc\nt1 "u         
subsection 7a71 ! record ( a f9ancial   
in/itution1 ! appropriate ,f$]al        
f9ancial sup]visory ag5cy %all give     
negative cr$it = any activity ( !       
f9ancial in/itution1 a subsidi>y ( !    
f9ancial in/itution1 or an entity p>tn]+
 ) ! f9ancial in/itution or subsidi>y t 
includes evid5ce ( an illegal or        
discrim9atory practice1 includ+--  7,a7 
activity t h>ms1 includ+ by displac+1   
resid5ts ( l[- & mod]ate-income         

neighborhoods2  7,b7 any violation (    
,f$]al law1 reg>dless ( :e!r ! violation
 is cr$it-relat$ or n1 includ+ any      
violation ( section #ihg7;b7 ( title    
#aj1 ,unit$ ,/ates ,code 7commonly      
ref]r$ to z ! ,milit>y ,l5d+ ,act71 !   
,s]vicememb]s ,civil ,relief ,act1 or   
prohibitions aga9/ unfair1 deceptive1 or
 abusive acts or practices2  7,c7 any   
violation ( ,/ate law2 &  7,d7 any      
evid5ce ( discrim9atory practices obta9$
 by--  7i7 ! ,bureau ( ,consum]         
,f9ancial ,protection z a "p ( !        
,bureau's regul> sup]vision ( ! f9ancial
 in/itution1 subsidi>y1 or entity2 &    
7ii7 ! ,dep>tm5t ( ,h\s+ & ,urban       
,developm5t4  7#b7 ,consid]ations ,9    
det]m9+ ! treatm5t ( any illegal or     
discrim9atory activity describ$ "u      
p>agraph 7#a71 ! appropriate ,f$]al     
f9ancial sup]visory ag5cy %all consid]--
 7,a7 ! root cause ( ! activity2  7,b7 !
 sev]ity ( ! h>m to individuals &       
communities z a result ( ! activity2    
7,c7 ! duration ( "t ( ! activity2 &    

7,d7 ! p]vasiv5ess ( ! activity4  7#c7  
,treatm5t on te/s & ov]all assessm5t    
,if1 9 p]=m+ an assessm5t ( a f9ancial  
in/itution "u subsection 7a71 !         
appropriate ,f$]al f9ancial sup]visory  
ag5cy uses sep>ate te/s or o!r          
evaluations z "p ( ! calculation ( !    
ov]all assessm5t1 ! ag5cy %all give     
negative cr$it on bo? ! ov]all assessm5t
 & any applicable te/ or evaluation4  4 
#e4 ,community ,advisory ,committees    
,section #hjd ( ! ,community ,re9ve/m5t 
,act ( #aigg 7#ab ,u4,s4,c4 #bijc71 z   
am5d$ by section #d1 is fur!r am5d$ by  
add+ at ! end ! foll[+3  7g7 ,community 
,advisory ,committees  7#a7 ,9 g5]al    
,ea* f9ancial in/itution %all =m a      
sep>ate ,community ,advisory ,committee 
7:i* %all be compos$ ( a div]se set (   
consum]1 h\s+1 community developm5t1 &  
o!r /akehold] gr\ps repres5t+ !         
applicable metropolitan /ati/ical area7 
9 ea* ( ! foll[+3  7,a7 ,) respect to a 
f9ancial in/itution ) consolidat$ assets
 equal to or great] ?an #b1jjj1jjj1jjj1 

ea* metropolitan /ati/ical area :]e !   
f9ancial in/itution or any subsidi>ies (
 ! f9ancial in/itution h a bran* or o!r 
facility 7includ+ an automat$ tell]     
ma*9e7 & ea* metropolitan /ati/ical area
 :]e ! f9ancial in/itution has a        
sub/antial numb] ( cu/om]s :o ma9ta9    
deposit acc\nts ) ! f9ancial in/itution4
  7,b7 ,) respect to a f9ancial         
in/itution ) consolidat$ assets ( less  
?an #b1jjj1jjj1jjj1 ea* ,/ate :]e !     
f9ancial in/itution or any subsidi>ies (
 ! f9ancial in/itution are locat$4  7#b7
 ,qu>t]ly consultation ,! executives ( a
 f9ancial in/itution %all meet ) all !  
f9ancial in/itution's ,community        
,advisory ,committees on a qu>t]ly      
basis-- 7,a7 to discuss ! f9ancial      
in/itution's curr5t "w to meet ! cr$it &
 deposit ne$s ( l[- & mod]ate-income    
individuals & und]s]v$ communities1     
p]sons ) disabilities1 ,,lgbtq          
communities1 & ,*9ese1 ,asian ,indian1  
,filip9o1 ,japanese1 ,korean1           
,vietnamese1 ,paki/ani1 ,cambodian1     

,hmong1 ,laotian1 ,?ai1 ,taiwanese1     
,burmese1 ,banglade%i1 ,nepalese1       
,indonesian1 ,malaysian1 ,hispanic or   
,lat9o1 ,black or ,african ,am]ican1    
,am]ican ,indian & ,alaska ,native1     
,native ,hawaiian1 ,samoan1 ,*amorro1   
,tongan1 i,taukei1 ,m>%allese1 & ,o!r   
,pacific ,isl&] communities1 z          
applicable to ! f9ancial in/itution's   
geographic areas2  7,b7 ) respect to a  
f9ancial in/itution ) consolidat$ assets
 equal to or great] ?an #b1jjj1jjj1jjj1 
to assi/ ! executives 9 develop+ &      
updat+ a plan = h[ ! in/itution w "w to 
meet ! cr$it ne$s ( ! in/itution's      
entire community1 includ+ l[- &         
mod]ate-income neighborhoods2 &  7,c7 to
 discuss ! in/itution's data 7:i* %all  
be disaggregat$ by ,*9ese1 ,asian       
,indian1 ,filip9o1 ,japanese1 ,korean1  
,vietnamese1 ,paki/ani1 ,cambodian1     
,hmong1 ,laotian1 ,?ai1 ,taiwanese1     
,burmese1 ,banglade%i1 ,nepalese1       
,indonesian1 ,malaysian1 ,hispanic or   
,lat9o1 ,black or ,african ,am]ican1    

,am]ican ,indian & ,alaska ,native1 &   
,native ,hawaiian1 ,samoan1 ,*amorro1   
,tongan1 i,taukei1 ,m>%allese & ,o!r    
,pacific ,isl&] communities1 z          
applicable to ! f9ancial in/itution's   
geographic areas7 on--  7i7 mortgage    
l5d+ & l5d+ to small bus9esses & small  
f>ms2  7ii7 retail products & s]vices2  
7iii7 community developm5t s]vices2 &   
7iv7 community developm5t f9anc+4  7#c7 
,specific consultations ,9 addition to !
 qu>t]ly consultations requir$ "u       
p>agraph 7#b71 ! executives ( a f9ancial
 in/itution ) consolidat$ assets ( m ?an
 #b1jjj1jjj1jjj %all meet ) ! ,community
 ,advisory ,committee be=e-- 7,a7 !     
f9ancial in/itution applies = a m]g] or 
acquisition2  7,b7 ! f9ancial           
in/itution1 or any subsidi>y ( !        
f9ancial in/itution1 applies = deposit  
insurance2  7,c7 ! f9ancial in/itution  
applies to op5 a new bran* or to        
relocate an exi/+ bran*2 or  7,d7 !     
f9ancial in/itution provides notice t x 
w\ld close a bran* or o!r facility4  4  

#f4 ,consid]ation ( l5d+ 9 p>tn]%ip )   
non-depository l5d]s ,section #hjd ( !  
,community ,re9ve/m5t ,act ( #aigg 7#ab 
,u4,s4,c4 #bijc71 z am5d$ by section #e1
 is fur!r am5d$ by add+ at ! end !      
foll[+3  7h7 ,consid]ation ( l5d+ 9     
p>tn]%ip ) non-,depository l5d]s  7#a7  
,9 g5]al ,z "p ( assess+ a f9ancial     
in/itution "u subsection 7a71 !         
appropriate ,f$]al f9ancial sup]visory  
ag5cy %all evaluate ! f9ancial          
in/itution's p]=mance 9 orig9at+ small  
f>m loans1 consum] loans 7includ+       
resid5tial mortgages1 unsecur$ in/allm5t
 loans1 advances1 & l9es ( cr$it71 &    
loans = small bus9esses 7includ+        
unsecur$ in/allm5t loans1 advances1 &   
l9es ( cr$it7 9 p>tn]%ip ) "o or m      
non-depository l5d]s4  7#b7 ,af=dability
 & su/a9ability ,9 mak+ ! evaluation    
describ$ "u p>agraph 7#a71 ! appropriate
 ,f$]al f9ancial sup]visory ag5cy %all  
consid] ! af=dability & su/a9ability ( !
 loan orig9ations made 9 p>tn]%ip ) "o  
or m non-depository l5d]s4  7#c7        

,def9itions ,9 ?is subsection3 7,a7     
,non-depository l5d] ,! t]m             
non-depository l5d] means a l5d] t is n 
an insur$ depository in/itution 7z def9$
 9 section #c ( ! ,f$]al ,deposit       
,insurance ,act 7#ab ,u4,s4,c4 #ahac774 
7,b7 ,small bus9ess ,! t]m small bus9ess
 means a small bus9ess conc]n 7z def9$  
"u section #c ( ! ,small ,bus9ess ,act  
7#ae ,u4,s4,c4 #fcb771 except su* t]m   
%all n include any small bus9ess conc]n 
) gross annual rev5ue ( great] ?an      
#e1jjj1jjj = ! prec$+ fiscal ye>4  7,c7 
,small f>m loan ,! t]m small f>m loan   
means a loan--  7i7 orig9at$ 9 an am\nt 
( #ejj1jjj or less2 &  7ii7 t is report$
 z a--  7,i7 loan to f9ance agricultural
 production & o!r loan to f>m]s2 or     
7,,ii7 loan secur$ by f>ml&4  4  #g4    
,consid]ation ( small home mortgage l5d+
 ,section #hjd ( ! ,community ,re9ve/m5t
 ,act ( #aigg 7#ab ,u4,s4,c4 #bijc71 z  
am5d$ by section #f1 is fur!r am5d$ by  
add+ at ! end ! foll[+3  7i7            
,consid]ation ( small home mortgage l5d+

  7#a7 ,9 g5]al ,z "p ( assess+ a       
f9ancial in/itution "u subsection 7a71 !
 appropriate ,f$]al f9ancial sup]visory 
ag5cy %all evaluate ! f9ancial          
in/itution's p]=mance 9 facilitat+ home 
mortgage l5d+ t>get$ to l[- &           
mod]ate-income borr[]s 9 a safe & s\nd  
mann]1 includ+--  7,a7 small-doll>1     
fir/-li5 mortgages ( #ajj1jjj or less 9 
value t facilitate a home pur*ase or    
help a borr[] to ref9ance an exi/+      
mortgage2 &  7,b7 mortgages ( any size  
orig9at$ 9 coop]ation ) a m9ority       
depository in/itution1 wom5's depository
 in/itution1 l[-income cr$it union1 or a
 community developm5t f9ancial          
in/itution c]tifi$ by ! ,secret>y ( !   
,treasury 7z def9$ "u section #ajc ( !  
,riegle ,community ,developm5t &        
,regulatory ,improvem5t ,act ( #aiid74  
7#b7 ,data collection & report+ by l>ge 
f9ancial in/itutions  7,a7 ,9 g5]al ,ea*
 l>ge f9ancial in/itution %all collect1 
ma9ta91 & report to ! appropriate ,f$]al
 f9ancial sup]visory ag5cy-- 7i7        

mortgage loan data ne$$ to calculate    
retail l5d+ volume & di/ribution        
metrics2  7ii7 in=mation relat$ to      
demographics ( borr[]s1 includ+ !       
income1 g5d] id5tity1 sexual ori5tation1
 race1 & e?nicity ( mortgage applicants2
  7iii7 ! numb] ( mortgage loans        
orig9at$ ) a value ( #ajj1jjj or less1 z
 well z ! demographics ( borr[]s1       
includ+ income1 g5d]1 race1 & e?nicity2 
&  7iv7 if ! f9ancial in/itution has a  
special purpose cr$it program t focuses 
on borr[]s f ,hispanic or ,lat9o1 ,black
 or ,african ,am]ican1 ,*9ese1 ,asian   
,indian1 ,filip9o1 ,japanese1 ,korean1  
,vietnamese1 ,paki/ani1 ,cambodian1     
,hmong1 ,laotian1 ,?ai1 ,taiwanese1     
,burmese1 ,banglade%i1 ,nepalese1       
,indonesian1 ,malaysian1 ,am]ican       
,indian & ,alaska ,native1 ,native      
,hawaiian1 ,samoan1 ,*amorro1 ,tongan1  
i,taukei1 ,m>%allese1 & ,o!r ,pacific   
,isl&] communities1 all mortgage loans  
orig9at$ by ! f9ancial in/itution "u su*
 program t are made = ! purpose ( a home

 pur*ase or to ref9ance a mortgage loan 
made = ! purpose ( a home pur*ase4  7,b7
 ,template ,! appropriate ,f$]al        
f9ancial sup]visory ag5cies %all1       
jo9tly1 issue rules to e/abli% a        
template t l>ge f9ancial in/itutions    
%all use to collect in=mation requir$ to
 be collect$ "u ?is p>agraph4  7#c7     
,additional consid]ation ( small doll>  
mortgages by small & int]m$iate f9ancial
 in/itutions  7,a7 ,9 g5]al ,z "p (     
assess+ a small or int]m$iate f9ancial  
in/itution "u subsection 7a71 !         
appropriate ,f$]al f9ancial sup]visory  
ag5cy %all1 at ! reque/ ( ! f9ancial    
in/itution1 provide additional          
consid]ation ( any mortgages ext5d$ by !
 f9ancial in/itution t are small-doll>  
mortgages ( #ajj1jjj or less 9 value t  
facilitate a home pur*ase or help a     
borr[] to ref9ance an exi/+ mortgage4   
7,b7 ,rat+ adju/m5t ,if ! appropriate   
,f$]al f9ancial sup]visory ag5cy plann$ 
to assign a rat+ "u section #hjg7;b77#b7
 to a small or int]m$iate f9ancial      

in/itution ( ,satisfactory record (     
meet+ community cr$it ne$s1 !           
appropriate ,f$]al f9ancial sup]visory  
ag5cy may1 aft] ! additional            
consid]ation describ$ "u subp>agraph    
7,a71 *ange su* rat+ to ,out/&+ record (
 meet+ community cr$it ne$s1 if !       
appropriate ,f$]al f9ancial sup]visory  
ag5cy det]m9es su* *ange is appropriate4
  7#d7 ,def9itions ,! ,bo>d ( ,gov]nors 
( ! ,f$]al ,res]ve ,sy/em1 ! ,comptroll]
 ( ! ,curr5cy1 & ! ,f$]al ,deposit      
,insurance ,corporation %all1 jo9tly1   
def9e ! t]ms l>ge f9ancial in/itution & 
small or int]m$iate f9ancial in/itution 
= purposes ( ?is subsection4  4  #h4    
,/udy on discrim9ation & disp>ities 9   
access to cr$it ,! ,community ,re9ve/m5t
 ,act ( #aigg 7#ab ,u4,s4,c4 #bija et   
seq47 is am5d$ by add+ at ! end !       
foll[+3  #haj4 ,/udy on discrim9ation & 
disp>ities 9 access to cr$it  7a7 ,/udy 
,n lat] ?an ! end ( ! #b-ye> p]iod      
beg9n+ on ! date ( enactm5t ( ?is       
section1 & e #b ye>s !reaft]1 !         

appropriate ,f$]al f9ancial sup]visory  
ag5cies %all1 jo9tly1 & 9 consultation )
 su* o!r ,f$]al or ,/ate ag5cies z !    
appropriate ,f$]al f9ancial sup]visory  
ag5cies det]m9e appropriate1 complete an
 int]ag5cy /ati/ical /udy to id5tify    
metropolitan areas & rural c\nties t    
ei!r exp]i5ce ongo+ discrim9ation or    
exhibit significant racial disp>ities 9 
access to cr$it = any racial or e?nic   
gr\p4  7b7 ,use ( data ,9 c>ry+ out ea* 
/udy requir$ "u subsection 7a71 !       
appropriate ,f$]al f9ancial sup]visory  
ag5cies %all make use (--  7#a7 data    
obta9$ "u ! ,home ,mortgage ,disclosure 
,act ( #aige2  7#b7 data obta9$ "u      
section #gjd;,b ( ! ,equal ,cr$it       
,opportunity ,act2  7#c7 available ,/ate
 data2 &  7#d7 in=mation conta9$ 9      
public litigation aga9/ regulat$        
f9ancial in/itutions = r$l9+ or l5d+    
discrim9ation 7includ+ litigation       
initiat$ by ! ,bureau ( ,consum]        
,f9ancial ,protection1 ! ,dep>tm5t (    
,h\s+ & ,urban ,affairs1 ! ,dep>tm5t (  

,ju/ice1 or by private p>ties74  7c7    
,report ,^u ! completion ( ea* /udy     
requir$ "u subsection 7a71 ! appropriate
 ,f$]al f9ancial sup]visory ag5cies     
%all1 jo9tly1 issue a report to !       
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! ,committee  
on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! 
,s5ate1 conta9+-- 7#a7 all f9d+s &      
det]m9ations made 9 c>ry+ out ! /udy2 & 
7#b7 policy recomm5dations to rem$y !   
discrim9ation & disp>ities id5tifi$ 9 ! 
/udy4  4