,i  #aah? ,,congress  #a/ ,session  ,h4 
,r4 #ceee  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,may #bb1 #bjbc,ms4   
,de ,la ,cruz 7= h]self & ,mr4 ,b>r7    
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,a 
,,bill  ,to enhance ! report+ & te/imony
 requirem5ts = ,f$]al bank+ ag5cies4    
#a4 ,%ort title ,?is ,act may be cit$ z 
! ,bank+ ,regulator ,acc\ntability ,act4
  #b4 ,reports & te/imony to ,congress  
on sup]vision  7a7 ,te/imony & reports  
to ,congress on ,f$]al ,res]ve ,sy/em   
sup]vision ,section #b;,b ( ! ,f$]al    
,res]ve ,act 7#ab ,u4,s4,c4 #bbe;b7 is  
am5d$ by add+ at ! end ! foll[+3  7d7   
,semi-,annual te/imony & report to      
,congress on sup]vision  7#a7 ,9 g5]al  
,! ,vice ,*airman = ,sup]vision %all    
submit a semi-annual report to !        
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs ( ! ,s5ate & ! ,committee on   
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives reg>d+ ! ef=ts1         
activities1 objectives1 & plans ( !     

,bo>d ) respect to ! conduct (          
sup]vision & regulation ( depository    
in/itution hold+ companies & o!r        
f9ancial firms sup]vis$ by ! ,bo>d4     
7#b7 ,m9imum cont5ts ,at a m9imum1 ea*  
report "u p>agraph 7#a7 %all include--  
7,a7 conditions ( f9ancial firms1       
includ+ exam9ation or inspection rat+s1 
on an aggregate basis by firm asset     
size2  7,b7 granul> data on out/&+      
mat]ial sup]visory det]m9ations by type 
( det]m9ation1 includ+ ! types ( risks  
cov]$1 on an aggregate basis by firm    
asset size2  7,c7 *anges 9 ! numb] &    
types ( out/&+ mat]ial sup]visory       
det]m9ations ov] ! previ\s #e ye>s2     
7,d7 aggregate data on ! rat+s (        
f9ancial firms ov] ! previ\s #c ye>s2   
7,e7 ! numb] ( in=mal & =mal en=cem5t   
actions1 by type ( en=cem5t ord] & %[+  
*anges 9 ! la/ #c ye>s1 aga9/ sup]vis$  
f9ancial firms on an aggregate basis by 
firm asset size2 &  7,f7 a description (
 ! organization ( ! sup]visory functions
 ( ! ,bo>d ) respect to f9ancial firms1 

includ+ in=mation on roles1             
responsibilities1 acc\ntability1 & tal5t
 managem5t4  7#c7 ,confid5tial report   
,concurr5t ) ea* report "u p>agraph     
7#a71 ! ,vice ,*airman = ,sup]vision    
%all submit a confid5tial report to !   
*air & rank+ memb] ( ea* committee      
describ$ "u p>agraph 7#a7 id5tify+--    
7,a7 ea* sup]vis$ f9ancial firm ) less  
?an satisfactory exam9ation or          
inspection rat+s2 &  7,b7 ea* sup]vis$  
f9ancial firm ) an active =mal or in=mal
 en=cem5t action1 & ! /atus ( ea*       
provision ( ea* en=cem5t action4  4  7b7
 ,te/imony & reports to ,congress on    
,f$]al ,deposit ,insurance ,corporation 
sup]vision ,section #ag ( ! ,f$]al      
,deposit ,insurance ,act 7#ab ,u4,s4,c4 
#ahbg7 is am5d$ by add+ at ! end !      
foll[+3  7h7 ,semi-,annual te/imony &   
report to ,congress on sup]vision  7#a7 
,appe>ances be=e ,congress ,! ,*airman (
 ! ,corporation %all appe> be=e !       
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs ( ! ,s5ate & ! ,committee on   

,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives at semi-annual he>+s    
reg>d+ ! ef=ts1 activities1 objectives1 
& plans ( ! ,corporation ) respect to ! 
conduct ( sup]vision & regulation (     
depository in/itutions sup]vis$ by !    
,corporation4  7#b7 ,report to ,congress
  7,a7 ,9 g5]al ,! ,*airman ( !         
,corporation %all transmit to !         
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs ( ! ,s5ate & ! ,committee on   
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives semi-annual reports     
reg>d+ ! ef=ts1 activities1 objectives1 
& plans ( ! ,corporation ) respect to ! 
conduct ( sup]vision & regulation (     
depository in/itutions sup]vis$ by !    
,corporation4  7,b7 ,m9imum cont5ts ,at 
a m9imum1 ea* report "u subp>agraph 7,a7
 %all include-- 7i7 conditions (        
depository in/itutions1 includ+         
exam9ation or inspection rat+s1 on an   
aggregate basis by in/itution asset     
size2  7ii7 granul> data on out/&+      
mat]ial sup]visory det]m9ations by type 

( det]m9ation1 includ+ ! types ( risks  
cov]$1 on an aggregate basis by         
in/itution asset size2  7iii7 *anges 9 !
 numb] & types ( out/&+ mat]ial         
sup]visory det]m9ations ov] ! previ\s #e
 ye>s2  7iv7 aggregate data on ! rat+s (
 depository in/itutions ov] ! previ\s #c
 ye>s2  7v7 ! numb] ( in=mal & =mal     
en=cem5t actions1 by type ( en=cem5t    
ord] & %[+ *anges 9 ! la/ #c ye>s1 aga9/
 sup]vis$ depository in/itutions on an  
aggregate basis by in/itution asset     
size2 &  7vi7 a description ( !         
organization ( ! sup]visory functions ( 
! ,corporation ) respect to depository  
in/itutions1 includ+ in=mation on roles1
 responsibilities1 acc\ntability1 &     
tal5t managem5t4  7,c7 ,confid5tial     
report ,concurr5t ) ea* report "u       
subp>agraph 7,a71 ! ,*airman ( !        
,corporation %all submit a confid5tial  
report to ! *air & rank+ memb] ( ea*    
committee describ$ "u subp>agraph 7,a7  
id5tify+-- 7i7 ea* sup]vis$ depository  
in/itution ) less ?an satisfactory      

exam9ation or inspection rat+s2 &  7ii7 
ea* sup]vis$ depository in/itution ) an 
active =mal or in=mal en=cem5t action1 &
 ! /atus ( ea* provision ( ea* en=cem5t 
action4  4  7c7 ,te/imony & reports to  
,congress on ,comptroll] ( ! ,curr5cy   
sup]vision ,! second section #ccc ( !   
,revis$ ,/atutes ( ! ,unit$ ,/ates 7#ab 
,u4,s4,c4 #ad2 relat+ to ! annual       
report7 is am5d$-- 7#a7 by /rik+ ,!     
,comptroll] & ins]t+ ! foll[+3  7a7     
,annual report ,! ,comptroll]  2 &  7#b7
 by add+ at ! end ! foll[+3  7b7        
,semi-,annual te/imony & report to      
,congress on sup]vision  7#a7           
,appe>ances be=e ,congress ,!           
,comptroll] ( ! ,curr5cy %all appe> be=e
 ! ,committee on ,bank+1 ,h\s+1 & ,urban
 ,affairs ( ! ,s5ate & ! ,committee on  
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives at semi-annual he>+s    
reg>d+ ! ef=ts1 activities1 objectives1 
& plans ( ! ,(fice ( ! ,comptroll] ( !  
,curr5cy ) respect to ! conduct (       
sup]vision & regulation ( national banks

 & o!r f9ancial firms sup]vis$ by !     
,(fice ( ! ,comptroll] ( ! ,curr5cy4    
7#b7 ,report to ,congress  7,a7 ,9 g5]al
 ,! ,comptroll] ( ! ,curr5cy %all       
transmit to ! ,committee on ,bank+1     
,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! 
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives semi-annual     
reports reg>d+ ! ef=ts1 activities1     
objectives1 & plans ( ! ,(fice ( !      
,comptroll] ( ! ,curr5cy ) respect to ! 
conduct ( sup]vision & regulation (     
national banks & o!r f9ancial firms     
sup]vis$ by ! ,(fice ( ! ,comptroll] ( !
 ,curr5cy4  7,b7 ,m9imum cont5ts ,at a  
m9imum1 ea* report "u subp>agraph 7,a7  
%all include-- 7i7 conditions ( national
 banks & o!r f9ancial firms1 includ+    
exam9ation or inspection rat+s1 on an   
aggregate basis by asset size2  7ii7    
granul> data on out/&+ mat]ial          
sup]visory det]m9ations by type (       
det]m9ation1 includ+ ! types ( risks    
cov]$1 on an aggregate basis by asset   
size2  7iii7 *anges 9 ! numb] & types ( 

out/&+ mat]ial sup]visory det]m9ations  
ov] ! previ\s #e ye>s2  7iv7 aggregate  
data on ! rat+s ( national banks & o!r  
f9ancial firms ov] ! previ\s #c ye>s2   
7v7 ! numb] ( in=mal & =mal en=cem5t    
actions1 by type ( en=cem5t ord] & %[+  
*anges 9 ! la/ #c ye>s1 aga9/ sup]vis$  
national banks & o!r f9ancial firms on  
an aggregate basis by firm asset size2 &
  7vi7 a description ( ! organization ( 
! sup]visory functions ( ! ,(fice ( !   
,comptroll] ( ! ,curr5cy ) respect to   
national banks & o!r f9ancial firms1    
includ+ in=mation on roles1             
responsibilities1 acc\ntability1 & tal5t
 managem5t4  7,c7 ,confid5tial report   
,concurr5t ) ea* report "u subp>agraph  
7,a71 ! ,comptroll] ( ! ,curr5cy %all   
submit a confid5tial report to ! *air & 
rank+ memb] ( ea* committee describ$ "u 
subp>agraph 7,a7 id5tify+-- 7i7 ea*     
sup]vis$ national bank or o!r f9ancial  
firms ) less ?an satisfactory exam9ation
 or inspection rat+s2 &  7ii7 ea*       
sup]vis$ national bank or o!r f9ancial  

firms ) an active =mal or in=mal        
en=cem5t action1 & ! /atus ( ea*        
provision ( ea* en=cem5t action4  4  7d7
 ,te/imony & reports to ,congress on    
,national ,cr$it ,union ,adm9i/ration   
sup]vision ,section #ajb ( ! ,f$]al     
,cr$it ,union ,act 7#ab ,u4,s4,c4       
#ageb;a7 is am5d$ by add+ at ! end !    
foll[+3  7g7 ,semi-,annual te/imony &   
report to ,congress on sup]vision  7#a7 
,appe>ances be=e ,congress ,! ,*airman (
 ! ,bo>d %all appe> be=e ! ,committee on
 ,bank+1 ,h\s+1 & ,urban ,affairs ( !   
,s5ate & ! ,committee on ,f9ancial      
,s]vices ( ! ,h\se ( ,repres5tatives at 
semi-annual he>+s reg>d+ ! ef=ts1       
activities1 objectives1 & plans ( !     
,adm9i/ration ) respect to ! conduct (  
sup]vision & regulation ( cr$it unions  
sup]vis$ by ! ,adm9i/ration4  7#b7      
,report to ,congress  7,a7 ,9 g5]al ,!  
,*airman ( ! ,bo>d %all transmit to !   
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs ( ! ,s5ate & ! ,committee on   
,f9ancial ,s]vices ( ! ,h\se (          

,repres5tatives semi-annual reports     
reg>d+ ! ef=ts1 activities1 objectives1 
& plans ( ! ,adm9i/ration ) respect to !
 conduct ( sup]vision & regulation (    
cr$it unions sup]vis$ by !              
,adm9i/ration4  7,b7 ,m9imum cont5ts ,at
 a m9imum1 ea* report "u subp>agraph    
7,a7 %all include-- 7i7 conditions (    
cr$it unions1 includ+ exam9ation or     
inspection rat+s1 on an aggregate basis 
by cr$it union asset size2  7ii7 granul>
 data on out/&+ mat]ial sup]visory      
det]m9ations by type ( det]m9ation1     
includ+ ! types ( risks cov]$1 on an    
aggregate basis by cr$it union asset    
size2  7iii7 *anges 9 ! numb] & types ( 
out/&+ mat]ial sup]visory det]m9ations  
ov] ! previ\s #e ye>s2  7iv7 aggregate  
data on ! rat+s ( cr$it unions ov] !    
previ\s #c ye>s2  7v7 ! numb] ( in=mal &
 =mal en=cem5t actions1 by type (       
en=cem5t ord] & %[+ *anges 9 ! la/ #c   
ye>s1 aga9/ sup]vis$ cr$it unions on an 
aggregate basis by cr$it union asset    
size2 &  7vi7 a description ( !         

organization ( ! sup]visory functions ( 
! ,bo>d ) respect to cr$it unions1      
includ+ in=mation on roles1             
responsibilities1 acc\ntability1 & tal5t
 managem5t4  7,c7 ,confid5tial report   
,concurr5t ) ea* report "u subp>agraph  
7,a71 ! ,*airman ( ! ,bo>d %all submit a
 confid5tial report to ! *air & rank+   
memb] ( ea* committee describ$ "u       
subp>agraph 7,a7 id5tify+-- 7i7 ea*     
sup]vis$ cr$it union ) less ?an         
satisfactory exam9ation or inspection   
rat+s2 &  7ii7 ea* sup]vis$ cr$it union 
) an active =mal or in=mal en=cem5t     
action1 & ! /atus ( ea* provision ( ea* 
en=cem5t action4  4