,,ii  #aagth ,,congress  #ast ,session  
,s4 #cdji  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,december #ae1 
#bjba,mr4 ,moran 7for himself and ,mr4  
,tester7 introduced the following bill2 
which was read twice and referred to the
 ,committee on ,banking1 ,housing1 and  
,urban ,affairs  ,a ,,bill  ,to amend   
the ,economic ,growth1 ,regulatory      
,relief1 and ,consumer ,protection ,act 
to require the appropriate ,federal     
banking agencies to develop a ,community
 ,bank ,leverage ,ratio that is between 
#h percent and #h4e percent for calendar
 years #bjbb1 #bjbc1 and #bjbd1 and for 
other purposes4  #a4 ,community ,bank   
,leverage ,ratio ,section #bja of the   
,economic ,growth1 ,regulatory ,relief1 
and ,consumer ,protection ,act 7#ab     
,u4,s4,c4 #ecga note7 is amended by     
striking subsection 7b7 and inserting   
the following3  7b7 ,community bank     
leverage ratio  7#a7 ,in general ,except
 as provided in paragraph 7#b71 the     
appropriate ,federal banking agencies   

shall1 through notice and comment rule  
making under section #eec of title #e1  
,united ,states ,code-- 7,a7 develop a  
,community ,bank ,leverage ,ratio of not
 less than #h percent and not more than 
#aj percent for qualifying community    
banks2 and  7,b7 establish procedures   
for treatment of a qualifying community 
bank that has a ,community ,bank        
,leverage ,ratio that falls below the   
percentage developed under subparagraph 
7,a7 after exceeding the percentage     
developed under subparagraph 7,a74  7#b7
 ,calendar years #bjbb1 #bjbc1 and #bjbd
 ,the appropriate ,federal banking      
agencies shall1 through notice and      
comment rule making under section #eec  
of title #e1 ,united ,states ,code      
develop a ,community ,bank ,leverage    
,ratio to apply during the period       
beginning on ,january #a1 #bjbb1 and    
ending on ,december #ca1 #bjbd1 that is 
not less than #h percent and not more   
than #h4e percent for qualifying        
community banks4  4