,,ii  #aag? ,,congress  #a/ ,session    
,s4 #cdji  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,decemb] #ae1 #bjba,mr4
 ,moran 7= himself & ,mr4 ,te/]7        
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to am5d ! ,economic ,gr[?1     
,regulatory ,relief1 & ,consum]         
,protection ,act to require !           
appropriate ,f$]al bank+ ag5cies to     
develop a ,community ,bank ,lev]age     
,ratio t is betwe5 #h p]c5t & #h4e p]c5t
 = cal5d> ye>s #bjbb1 #bjbc1 & #bjbd1 & 
= o!r purposes4  #a4 ,community ,bank   
,lev]age ,ratio ,section #bja ( !       
,economic ,gr[?1 ,regulatory ,relief1 & 
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecga note7 is am5d$ by /rik+          
subsection 7b7 & ins]t+ ! foll[+3  7b7  
,community bank lev]age ratio  7#a7 ,9  
g5]al ,except z provid$ 9 p>agraph 7#b71
 ! 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      
subp>agraph 7,a7 aft] exce$+ ! p]c5tage 
develop$ "u subp>agraph 7,a74  7#b7     
,cal5d> ye>s #bjbb1 #bjbc1 & #bjbd ,!   
appropriate ,f$]al bank+ ag5cies %all1  
?r\gh notice & comm5t rule mak+ "u      
section #eec ( title #e1 ,unit$ ,/ates  
,code 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