,,ib ,union ,cal5d> ,no4 #gha #aah?     
,,congress  #b;d ,session  ,h4 ,r4 #ceef
 ,report ,no4 #aah-gic1 ,"p ,i ,,9 ,,!  
,,h\se ,,( ,,repres5tatives  ,may #bb1  
#bjbc,mr4 ,b>r 7= himself1 ,mr4         
,l\d]milk1 ,mr4 ,fitzg]ald1 ,ms4 ,de ,la
 ,cruz1 & ,mrs4 ,kim ( ,cali=nia7       
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices1 & 9
 addition to ! ,committees on ,ov]sight 
& ,acc\ntability1 & ,rules1 = a p]iod to
 be subsequ5tly det]m9$ by ! ,speak]1 9 
ea* case = consid]ation ( su* provisions
 z fall )9 ! jurisdiction ( ! committee 
conc]n$  ,decemb] #d1 #bjbd,report$ f ! 
,committee on ,f9ancial ,s]vices ) an   
amendment,strike out all aft] ! enact+  
clause & ins]t ! "p pr9t$ 9 italic      
,decemb] #d1 #bjbd;,committee on ,rules 
dis*>g$  ,decemb] #d1 #bjbd,ref]ral to !
 ,committee on ,ov]sight &              
,acc\ntability ext5d$ = a p]iod end+ n  
lat] ?an ,decemb] #ai1 #bjbd  ,decemb]  
#ai1 #bjbd;,committee on ,ov]sight &    
,acc\ntability dis*>g$2 committ$ to !   

,committee ( ! ,:ole ,h\se on ! ,/ate ( 
! ,union & ord]$ to be printed,for text 
( introduc$ bill1 see copy ( bill z     
introduc$ on ,may #bb1 #bjbc  ,a ,,bill 
,to am5d ! ,f$]al f9ancial laws to      
increase f9ancial regulatory            
acc\ntability & transp>5cy1 & = o!r     
purposes4  #a4 ,%ort title2 table (     
cont5ts  7a7 ,%ort title ,?is ,act may  
be cit$ z ! ,increas+ ,f9ancial         
,regulatory ,acc\ntability & ,transp>5cy
 ,act4  7b7 ,table ( cont5ts ,! table ( 
cont5ts = ?is ,act is z foll[s3 ,sec4   
#a4 ,%ort title2 table ( cont5ts4,title 
,i--,enhanc+ ,,fdic ,transp>5cy ,sec4   
#aja4 ,f$]al ,deposit ,insurance        
,corporation transp>5cy4,title          
,,ii--,enhanc+ ,f$]al ,res]ve           
,transp>5cy ,sec4 #bja4 ,f$]al ,res]ve  
transp>5cy4,title ,,iii--,enhanc+       
,f9ancial ,/ability ,ov]sight ,c\ncil   
,transp>5cy ,sec4 #cja4 ,,fsoc          
transp>5cy4,title ,,iv--,e/abli%+ ,f$]al
 ,res]ve ,vice ,*air = ,sup]vision      
,exp]i5ce ,requirement,sec4 #dja4       

,e/abli%m5t ( requirem5ts to be ,vice   
,*airman = ,sup]vision4,title ,v--,bank+
 ,regulator ,accountability,sec4 #eja4  
,reports & te/imony to ,congress on     
sup]vision4  ,i ,enhanc+ ,,fdic         
,transp>5cy  #aja4 ,f$]al ,deposit      
,insurance ,corporation transp>5cy      
,section #ac7;c7 ( ! ,f$]al ,deposit    
,insurance ,act 7#ab ,u4,s4,c4 #ahbc7 is
 am5d$-- 7#a7 9 p>agraph 7#a77;,c71 by  
ins]t+ aft] tak5 ! foll[+3 aft]         
notification to ! ,committee on         
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives & ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate &2  7#b7 9 p>agraph 7#d7-- 7,a7 9
 subp>agraph 7,b77i77,i71 by /rik+ a    
pres5t-value & ins]t+ an expect$        
pres5t-value2 &  7,b7 9 subp>agraph     
7,g7-- 7i7 9 clause 7i7-- 7,i7 by ins]t+
 aft] notification to ! ,committee on   
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives & ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate & be=e ^u !2 &  7,,ii7 9         

subclause 7,,ii71 by /rik+ w\ld & ins]t+
 t c be %[n to2  7ii7 9 clause          
7iii77,i71 by ins]t+ be=e ! semicolon ! 
foll[+3 1 includ+ docum5tation (        
factors1 empirical analyses1 & data t   
gave rise to ! det]m9ation2 &  7iii7 by 
add+ at ! end ! foll[+3  7vi7           
,additional reports to ,congress on     
em]g5cy det]m9ations  7,i7 ,9 g5]al ,)  
respect to ea* det]m9ation "u clause    
7i71 ! ,bo>d ( ,directors1 ! ,bo>d (    
,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 & !
 ,secret>y ( ! ,treasury %all ea*       
provide to ! ,committee on ,f9ancial    
,s]vices ( ! ,h\se ( ,repres5tatives & !
 ,committee on ,bank+1 ,h\s+1 & ,urban  
,affairs ( ! ,s5ate-- 7aa7 n lat] ?an #c
 days aft] su* det]m9ation1 all         
docum5tation relat$ to su* det]m9ation1 
includ+ /aff analyses & memor&a2 &  7bb7
 n lat] ?an #cj days aft] su*           
det]m9ation1 any analyses und]tak5 to   
ju/ify su* det]m9ation1 includ+ data1   
metrics us$1 & quantitative analyses    
und]tak54  7,,ii7 ,in=mation reque/$ by 

committees ,! ,secret>y ( ! ,treasury   
%all provide ! ,committee on ,f9ancial  
,s]vices ( ! ,h\se ( ,repres5tatives & !
 ,committee on ,bank+1 ,h\s+1 & ,urban  
,affairs ( ! ,s5ate ) su* additional    
in=mation relat$ to a det]m9ation "u    
clause 7i7 z ! committees may reque/4 ,!
 ,secret>y ( ! ,treasury may submit1 )  
su* in=mation1 a writt5 reque/ &        
ju/ification = ! committees to treat !  
in=mation confid5tially4  2 &  7#c7 9   
p>agraph 7#h77;,b71 aft] 9 writ+ by     
ins]t+ 1 %all include details ( factors 
t l$ to ! det]m9ation & analyses ( ^?   
factors & _! implications4  ,,ii        
,enhanc+ ,f$]al ,res]ve ,transp>5cy     
#bja4 ,f$]al ,res]ve transp>5cy  7a7    
,f$]al ,res]ve ,act ,! ,f$]al ,res]ve   
,act 7#ab ,u4,s4,c4 #bba et seq47 is    
am5d$-- 7#a7 9 section #aa-- 7,a7 9 !   
fir/ subsection 7s7 7relat$ to ,f$]al   
,res]ve ,transp>5cy7-- 7i7 9 p>agraph   
7#b77;,b71 by /rik+ eigh? & ins]t+ f\r?2
  7ii7 9 p>agraph 7#e71 by /rik+        
#bd-mon? & ins]t+ #ab-mon?2 &  7iii7 9  

p>agraph 7#g7-- 7,i7 by /rik+ ,?is      
subsection & ins]t+ ! foll[+3  7,a7 ,9  
g5]al ,?is subsection  2  7,,ii7 by     
ins]t+ public be=e disclosure2 &        
7,,iii7 by add+ at ! end ! foll[+3  7,b7
 ,congressional access to in=mation  7i7
 ,9 g5]al ,! ,bo>d %all1 ^u reque/1 make
 ! nonpublic p]sonal in=mation describ$ 
"u subp>agraph 7,a7 available to !      
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! ,committee  
on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! 
,s5ate4  7ii7 ,confid5tiality ,) respect
 to a reque/ describ$ "u clause 7i71 if 
! ,*airman ( ! ,bo>d det]m9es t any "p (
 ! reque/$ in=mation ne$s to rema9      
confid5tial & provides writt5 notice (  
su* det]m9ation to ! committee mak+ su* 
reque/1 ! ,bo>d %all only make t "p ( ! 
reque/$ in=mation available to ! *air & 
rank+ memb] ( ! committee4  2 &  7,b7 by
 r$esignat+ ! second subsection 7s7     
7relat+ to ,assessm5ts1 ,fees1 & ,o!r   
,*>ges7 z subsection 7t72 &  7#b7 9     
section #ac7c71 by add+ at ! end !      

foll[+3  7,f7 ,congressional access to  
in=mation  7i7 ,9 g5]al ,! ,bo>d %all   
make available to ! ,committee on       
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives & ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate in=mation reque/$ by su*         
committees relat$ to any cr$it facility 
e/abli%$ by or on behalf ( ! ,f$]al     
,res]ve ,sy/em or a ,f$]al res]ve bank &
 au?oriz$ by ! ,bo>d "u ?is p>agraph4   
7ii7 ,confid5tiality ,) respect to a    
reque/ describ$ "u clause 7i71 if !     
,*airman ( ! ,bo>d det]m9es t any "p ( !
 reque/$ in=mation ne$s to rema9        
confid5tial & provides writt5 notice (  
su* det]m9ation to ! committee mak+ su* 
reque/1 ! ,bo>d %all only make t "p ( ! 
reque/$ in=mation available to ! *air & 
rank+ memb] ( ! committee4  4  7b7      
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act ,title ,,xi ( 
! ,dodd-,frank ,wall ,/reet ,re=m &     
,consum] ,protection ,act is am5d$--    
7#a7 9 section #aajd 7#ab ,u4,s4,c4     

#efaa7-- 7,a7 9 subsection 7a77#b7-- 7i7
 9 subp>agraph 7,a71 by /rik+ & at !    
end2  7ii7 by r$esignat+ subp>agraph    
7,b7 z subp>agraph 7,c72 &  7iii7 by    
ins]t+ aft] subp>agraph 7,a7 ! foll[+3  
7,b7 be transmitt$ to ! *air & rank+    
memb] ( ! ,committee on ,f9ancial       
,s]vices ( ! ,h\se ( ,repres5tatives & !
 *air & rank+ memb] ( ! ,committee on   
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate2 &  2  7,b7 9 subsection 7b71 by 
ins]t+ aft] cons5t ( ! ,secret>y !      
foll[+3 & notification to ,congress2    
7,c7 9 subsection 7c77#b71 9 ! head+1 by
 /rik+ ,,goa ins]t+ ,congressional      
review & gao2 &  7,d7 by /rik+          
subsection 7d72  7#b7 9 section #aaje   
7#ab ,u4,s4,c4 #efab7-- 7,a7 9          
subsection 7c7-- 7i7 9 p>agraph 7#a7--  
7,i7 by ins]t+ & ^u notification to     
,congress aft] ) ! ,presid5t2  7,,ii7 by
 /rik+ ,presid5t may & ins]t+ ,presid5t 
%all2 &  7,,iii7 by /rik+ am\nt & a     
reque/ & ins]t+ am\nt1 & include 9 su*  
report ! expect$ co/ to taxpay]s & a    

detail$ description ( ! assumptions made
 & analytical tools us$ to calculate su*
 expect$ co/1 & a reque/2 &  7ii7 9     
p>agraph 7#b71 by ins]t+ & ^u           
notification to ,congress aft] ) !      
,presid5t2 &  7,b7 9 subsection 7g71 by 
am5d+ p>agraph 7#c7 to read z foll[s3   
7#c7 ,liquidity ev5t ,! t]m liquidity   
ev5t %all h ! def9ition giv5 su* t]m1   
jo9tly1 by ! ,bo>d ( ,gov]nors1 !       
,corporation1 & ! ,secret>y1 by rule    
pursuant to notice & comm5t4  4  7c7    
,title #ca ,section #gad7;f77#c7 ( title
 #ca1 ,unit$ ,/ates ,code1 is am5d$--   
7#a7 9 subp>agraph 7,b71 by /rik+       
legislative or2 &  7#b7 9 subp>agraph   
7,c77i71 by /rik+ 1 includ+ to          
,congress14  ,,iii ,enhanc+ ,f9ancial   
,/ability ,ov]sight ,c\ncil ,transp>5cy 
#cja4 ,,fsoc transp>5cy  7a7 ,f9ancial  
,/ability ,act ( #bjaj ,! ,f9ancial     
,/ability ,act ( #bjaj 7#ab ,u4,s4,c4   
#ecaa et seq47 is am5d$-- 7#a7 9 section
 #aaa-- 7,a7 9 subsection 7b77#a7-- 7i7 
9 subp>agraph 7,i71 by /rik+ & at ! end2

  7ii7 9 subp>agraph 7,j71 by /rik+ !   
p]iod at ! end & ins]t+ 2 &2 &  7iii7 by
 add+ at ! end ! foll[+3  7,k7 an       
indep5d5t memb] appo9t$ by ! ,presid5t1 
by & ) ! advice & cons5t ( ! ,s5ate1 & n
 ( ! same political p>ty z ! ,presid5t4 
2  7,b7 9 subsection 7c7-- 7i7 9        
p>agraph 7#a71 by /rik+ indep5d5t memb] 
& ins]t+ indep5d5t memb]s2 &  7ii7 9    
p>agraph 7#d7-- 7,i7 9 ! head+1 by /rik+
 indep5d5t memb] & ins]t+ indep5d5t     
memb]s2 &  7,,ii7 by /rik+ subsection   
7b77#a77;,j7 & ins]t+ subp>agraph 7,j7  
or 7,k7 ( subsection 7b77#a72  7,c7 by  
/rik+ subsection 7d72  7,d7 by          
r$esignat+ subsections 7e7 ?r\gh 7j7 z  
subsections 7d7 ?r\gh 7i71 respectively2
  7,e7 9 subsection 7d71 z s r$esignat$1
 by add+ at ! end ! foll[+3  7#c7       
,notice to ,congress ,! ,*airp]son %all 
notify ! *air & rank+ memb]s ( !        
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! *air & rank+
 memb]s ( ! ,committee on ,bank+1 ,h\s+1
 & ,urban ,affairs ( ! ,s5ate ( a meet+ 

at ! same "t z ! meet+ p>ticipants are  
notifi$4  2  7,f7 9 subsection 7f71 z s 
r$esignat$1 by /rik+ 1 or to any special
 advisory1 te*nical1 or pr(essional     
committee appo9t$ by ! ,c\ncil1 except  
t1 if an advisory1 te*nical1 or         
pr(essional committee has "o or m memb]s
 :o are n employees ( or affiliat$ ) !  
,unit$ ,/ates ,gov]nm5t1 ! ,c\ncil %all 
publi% a li/ ( ! names ( ! memb]s ( su* 
committee2  7,g7 9 subsection 7g71 z s  
r$esignat$1 by ins]t+ be=e ! p]iod at ! 
end ! foll[+3 1 b if su* s]vices1 funds1
 facilities1 /aff1 or o!r support       
s]vices are provid$ ) respect to any    
,c\ncil program or activity t has1 or is
 plann$ to h1 duration ( great] ?an #ij 
days1 ! ,c\ncil %all notify ,congress ( 
su* provision2 &  7,h7 9 subsection 7i71
 z s r$esignat$1 by add+ at ! end !     
foll[+3 ,! ,c\ncil %all report on su*   
detail$ employees on a mon?ly basis to  
,congress42  7#b7 9 section #aab-- 7,a7 
9 subsection 7a77#b7-- 7i7 9 subp>agraph
 7,a71 by ins]t+ aft] sy/em ! foll[+3 & 

only aft] notify+ ,congress2  7ii7 by   
/rik+ subp>agraphs 7,d7 & 7,i72  7iii7  
by r$esignat+ subp>agraphs 7,e71 7,f71  
7,g71 7,h71 7,j71 7,k71 7,l71 7,m71 &   
7,n7 z subp>agraphs 7,d7 ?r\gh 7,l71    
respectively2  7iv7 9 subp>agraph 7,d71 
z s r$esignat$1 by /rik+ ag5cies & &    
ins]t+ ag5cies1 ,congress1 &2  7v7 9    
subp>agraph 7,e71 z s r$esignat$1 by    
ins]t+ aft] to ! memb] ag5cies ! foll[+3
 1 ! *air & rank+ memb] ( ! ,committee  
on ,f9ancial ,s]vices ( ! ,h\se (       
,repres5tatives & ! *air & rank+ memb] (
 ! ,committee on ,bank+1 ,h\s+1 & ,urban
 ,affairs ( ! ,s5ate2  7vi7 9           
subp>agraph 7,g71 z s r$esignat$1 by    
/rik+ may2  7vii7 9 subp>agraph 7,h71 z 
s r$esignat$1 by ins]t+ be=e ! semicolon
 ! foll[+3 1 & notify ! *air & rank+    
memb] ( ! ,committee on ,f9ancial       
,s]vices ( ! ,h\se ( ,repres5tatives & !
 *air & rank+ memb] ( ! ,committee on   
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate ( su* id5tifications2  7viii7 9  
subp>agraph 7,i71 z s r$esignat$1 by    

ins]t+ aft] prim>y f9ancial regulatory  
ag5cies to apply ! foll[+3 prim>y       
f9ancial regulatory ag5cies1 ! *air &   
rank+ memb] ( ! ,committee on ,f9ancial 
,s]vices ( ! ,h\se ( ,repres5tatives1 & 
! *air & rank+ memb] ( ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate on ! co/s & b5efits ( apply+2 &  
7ix7 9 subp>agraph 7,j71 z s r$esignat$1
 by ins]t+ ! ,congress & be=e !         
,commission2  7,b7 9 subsection 7c71 by 
ins]t+ no lat] ?an #fj days aft] he>+12 
&  7,c7 9 subsection 7d7-- 7i7 9        
p>agraph 7#a7-- 7,i7 by /rik+ z necess>y
 & all t foll[s ?r\gh to monitor &      
ins]t+ z necess>y to monitor2  7,,ii7 by
 /rik+ 2 or & ins]t+ a p]iod2 &  7,,iii7
 by /rik+ subp>agraph 7,b72  7ii7 9     
p>agraph 7#b71 by ins]t+ be=e ! p]iod at
 ! end ! foll[+3 & to ,congress2  7iii7 
9 p>agraph 7#c71 by add+ at ! end !     
foll[+3  7,d ,congressional notification
 ,! ,c\ncil may n require ! submission (
 p]iodic & o!r reports "u ?is p>agraph  
until #cj days aft] ! ,c\ncil has       

notifi$ ! *air & rank+ memb] ( !        
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! *air & rank+
 memb] ( ! ,committee on ,bank+1 ,h\s+1 
& ,urban ,affairs ( ! ,s5ate ( !        
,c\ncil's int5tion to require su*       
submission4  2  7iv7 9 p>agraph 7#d71 by
 ins]t+ aft] ,c\ncil may ! foll[+3 1    
aft] notify+ ! *air & rank+ memb] ( !   
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! *air & rank+
 memb] ( ! ,committee on ,bank+1 ,h\s+1 
& ,urban ,affairs ( ! ,s5ate12 &  7v7 9 
p>agraph 7#e77;,a71 by ins]t+ be=e !    
p]iod at ! end ! foll[+3 1 except t     
,congress may reque/ any su* confid5tial
 data1 in=mation1 or reports2  7#c7 9   
section #aac-- 7,a7 9 subsection        
7a77#b7-- 7i7 9 subp>agraph 7,i71 by    
add+ & at ! end2  7ii7 9 subp>agraph    
7,j71 by /rik+ 2 & & ins]t+ a p]iod2 &  
7iii7 by /rik+ subp>agraph 7,k72  7,b7 9
 subsection 7b77#b7-- 7i7 9 subp>agraph 
7,i71 by add+ & at ! end2  7ii7 9       
subp>agraph 7,j71 by /rik+ 2 & & ins]t+ 

a p]iod2 &  7iii7 by /rik+ subp>agraph  
7,k72  7,c7 by /rik+ subsection 7f72    
7,d7 by r$esignat+ subsections 7g71 7h71
 & 7i7 z subsections 7f71 7g71 & 7h71   
respectively2  7,e7 9 subsection 7g71 z 
s r$esignat$1 by /rik+ subsection       
7d77#b71 7e77#c71 or 7f77#e7 & ins]t+   
subsection 7d77#b7 or 7e77#c72 &  7,f7  
by add+ at ! end ! foll[+3  7i7         
,congressional review  7#a7             
,notification ,if ! ,c\ncil makes a     
det]m9ation "u ?is section1 ! ,c\ncil   
%all imm$iately notify ,congress ( su*  
det]m9ation4  7#b7 ,effectiv5ess (      
det]m9ation ,a det]m9ation made by !    
,c\ncil "u ?is section-- 7,a7 may n take
 effect until ! end ( ! #fj-;day p]iod  
beg9n+ on ! date t ! ,c\ncil notifies ! 
,congress ( su* det]m9ation2 &  7,b7    
%all h no =ce or effect if disapprov$1 z
 provid$ "u ?is subsection4  7#c7       
,congressional disapproval proc$ure     
7,a7 ,jo9t resolution def9$ ,= purposes 
( ?is p>agraph1 ! t]m jo9t resolution   
means only a jo9t resolution introduc$  

dur+ ! #fj-;day p]iod describ$ "u       
p>agraph 7#b77;,a71 ! matt] aft] !      
resolv+ clause ( :i* is z foll[s3 ,t    
,congress disapproves ! det]m9ation ( ! 
,f9ancial ,/ability ,ov]sight ,c\ncil   
submitt$ 9 a notification to ,congress  
on 1 & su* det]m9ation %all h no =ce or 
effect4 7,! blank space be+ fill$ 9 ) ! 
appropriate date474  7,b7 ,treatm5t 9   
,s5ate  7i7 ,9 ! ,s5ate1 if ! committee 
to :i* is ref]r$ a jo9t resolution has n
 report$ su* jo9t resolution 7or an     
id5tical jo9t resolution7 at ! end ( !  
#bj-;day p]iod beg9n+ on ! date         
,congress is notifi$ ( a det]m9ation1   
su* committee may be dis*>g$ f fur!r    
consid]ation ( su* jo9t resolution ^u a 
petition support$ 9 writ+ by #cj ,memb]s
 ( ! ,s5ate1 & su* jo9t resolution %all 
be plac$ on ! cal5d>4  7ii7 ,9 ! ,s5ate1
 :5 ! committee to :i* a jo9t resolution
 is ref]r$ has report$1 or :5 a         
committee is dis*>g$ 7"u clause 7i77 f  
fur!r consid]ation ( a jo9t resolution1 
x is at any "t !reaft] 9 ord] 7ev5 ?\gh 

a previ\s motion to ! same effect has   
be5 disagre$ to7 = a motion to proce$ to
 ! consid]ation ( ! jo9t resolution1 &  
all po9ts ( ord] aga9/ ! jo9t resolution
 7& aga9/ consid]ation ( ! jo9t         
resolution7 are waiv$4 ,! motion is n   
subject to am5dm5t1 or to a motion to   
po/pone1 or to a motion to proce$ to !  
consid]ation ( o!r bus9ess4 ,a motion to
 reconsid] ! vote by :i* ! motion is    
agre$ to or disagre$ to %all n be 9     
ord]4 ,if a motion to proce$ to !       
consid]ation ( ! jo9t resolution is     
agre$ to1 ! jo9t resolution %all rema9 !
 unf9i%$ bus9ess ( ! ,s5ate until       
dispos$ (4  7iii7 ,9 ! ,s5ate1 debate on
 ! jo9t resolution1 & on all debatable  
motions & appeals 9 connection !re)1    
%all be limit$ to n m ?an #aj h\rs1 :i* 
%all be divid$ equally betwe5 ^? favor+ 
& ^? oppos+ ! jo9t resolution4 ,a motion
 fur!r to limit debate is 9 ord] & n    
debatable4 ,an am5dm5t to1 or a motion  
to po/pone1 or a motion to proce$ to !  
consid]ation ( o!r bus9ess1 or a motion 

to recommit ! jo9t resolution is n 9    
ord]4  7iv7 ,9 ! ,s5ate1 imm$iately     
foll[+ ! conclusion ( ! debate on a jo9t
 resolution1 & a s+le quorum call at !  
conclusion ( ! debate if reque/$ 9      
accordance ) ! rules ( ! ,s5ate1 ! vote 
on f9al passage ( ! jo9t resolution %all
 occur4  7v7 ,9 ! ,s5ate1 appeals f !   
decisions ( ! ,*air relat+ to !         
application ( ! rules ( ! ,s5ate to !   
proc$ure relat+ to a jo9t resolution    
%all be decid$ )\t debate4  7vi7 ,9 !   
,s5ate1 ! proc$ure specifi$ 9 ?is       
subp>agraph %all n apply to !           
consid]ation ( a jo9t resolution aft] ! 
end ( ! #fj-;day p]iod describ$ "u      
p>agraph 7#b77;,a74  7#d7 ,treatm5t (   
jo9t resolution receiv$ f ! o!r ,h\se   
,if1 be=e ! passage by "o ,h\se ( a jo9t
 resolution ( t ,h\se1 t ,h\se receives 
f ! o!r ,h\se a jo9t resolution1 !n !   
foll[+ proc$ures %all apply3 7,a7 ,!    
jo9t resolution ( ! o!r ,h\se %all n be 
ref]r$ to a committee4  7,b7 ,) respect 
to a jo9t resolution ( ! ,h\se receiv+ !

 jo9t resolution-- 7i7 ! proc$ure 9 t   
,h\se %all be ! same z if no jo9t       
resolution _h be5 receiv$ f ! o!r ,h\se2
 b  7ii7 ! vote on f9al passage %all be 
on ! jo9t resolution ( ! o!r ,h\se4     
7#e7 ,treatm5t ( ?is p>agraph ,?is      
p>agraph is enact$ by ,congress-- 7,a7 z
 an ex]cise ( ! rulemak+ p[] ( ! ,s5ate 
& ,h\se ( ,repres5tatives1 respectively1
 & z su* x is deem$ a "p ( ! rules ( ea*
 ,h\se1 respectively1 b applicable only 
) respect to ! proc$ure to be foll[$ 9 t
 ,h\se 9 ! case ( a jo9t resolution1 & x
 sup]s$es o!r rules only to ! ext5t t x 
is inconsi/5t ) su* rules2 &  7,b7 )    
full recognition ( ! con/itutional "r ( 
ei!r ,h\se to *ange ! rules 7s f> z     
relat+ to ! proc$ure ( t ,h\se7 at any  
"t1 9 ! same mann]1 & to ! same ext5t z 
9 ! case ( any o!r rule ( t ,h\se4  2   
7#d7 9 section #aae-- 7,a7 9 subsection 
7a77#a71 by ins]t+ aft] recomm5dations  
to ! foll[+3 ! *air & rank+ memb] ( !   
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives1 ! *air & rank+ 

memb] ( ! ,committee on ,bank+1 ,h\s+1 &
 ,urban ,affairs ( ! ,s5ate1 &2  7,b7 9 
subsection 7c77#c71 by ins]t+ aft]      
recomm5dations to ! foll[+3 ! *air &    
rank+ memb] ( ! ,committee on ,f9ancial 
,s]vices ( ! ,h\se ( ,repres5tatives1 ! 
*air & rank+ memb] ( ! ,committee on    
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate1 &2  7,c7 9 subsection 7d7-- 7i7 
9 p>agraph 7#a71 by ins]t+ aft] make    
recomm5dations to ! ,bo>d ( ,gov]nors ! 
foll[+3 1 if ! *air & rank+ memb] ( !   
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! *air & rank+
 memb] ( ! ,committee on ,bank+1 ,h\s+1 
& ,urban ,affairs ( ! ,s5ate are notifi$
 ( su* recomm5dations12 &  7ii7 9       
p>agraph 7#b71 by ins]t+ aft] make      
recomm5dations to ! ,bo>d ( ,gov]nors ! 
foll[+3 1 if ! *air & rank+ memb] ( !   
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! *air & rank+
 memb] ( ! ,committee on ,bank+1 ,h\s+1 
& ,urban ,affairs ( ! ,s5ate are notifi$
 ( su* recomm5dations12  7,d7 9         

subsection 7e71 by ins]t+ aft] make     
recomm5dations to ! ,bo>d ( ,gov]nors ! 
foll[+3 1 if ! *air & rank+ memb] ( !   
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! *air & rank+
 memb] ( ! ,committee on ,bank+1 ,h\s+1 
& ,urban ,affairs ( ! ,s5ate are notifi$
 ( su* recomm5dations12  7,e7 9         
subsection 7f71 by ins]t+ aft] make     
recomm5dations to ! ,bo>d ( ,gov]nors ! 
foll[+3 1 if ! *air & rank+ memb] ( !   
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! *air & rank+
 memb] ( ! ,committee on ,bank+1 ,h\s+1 
& ,urban ,affairs ( ! ,s5ate are notifi$
 ( su* recomm5dations12 &  7,f7 9       
subsection 7g71 by ins]t+ aft] make     
recomm5dations to ! ,bo>d ( ,gov]nors ! 
foll[+3 1 if ! *air & rank+ memb] ( !   
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! *air & rank+
 memb] ( ! ,committee on ,bank+1 ,h\s+1 
& ,urban ,affairs ( ! ,s5ate are notifi$
 ( su* recomm5dations12  7#e7 9 section 
#aaf7;a71 by ins]t+ aft] may ! foll[+3 1

 aft] notify+ ! *air & rank+ memb] ( !  
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! *air & rank+
 memb] ( ! ,committee on ,bank+1 ,h\s+1 
& ,urban ,affairs ( ! ,s5ate12  7#f7 9  
section #abj-- 7,a7 9 subsection 7a71 by
 ins]t+ aft] regulatory ag5cies !       
foll[+3 1 if ! *air & rank+ memb] ( !   
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! *air & rank+
 memb] ( ! ,committee on ,bank+1 ,h\s+1 
& ,urban ,affairs ( ! ,s5ate are notifi$
 ( su* recomm5dations12  7,b7 9         
subsection 7b7-- 7i7 9 p>agraph 7#a71 by
 ins]t+ aft] to ! public ! foll[+3 &    
,congress2 &  7ii7 9 p>agraph 7#b77;,a71
 by ins]t+ be=e ! semicolon ! foll[+3 1 
& ! notice requir$ "u p>agraph 7#a7 %all
 conta9 data1 me?odology1 & analysis    
detail+ su* co/s2  7,c7 9 subsection    
7c77#b71 by ins]t+ aft] recomm5d$ by !  
,c\ncil ! foll[+3 1 aft] notify+ ! *air 
& rank+ memb] ( ! ,committee on         
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives & ! *air & rank+ memb] (

 ! ,committee on ,bank+1 ,h\s+1 & ,urban
 ,affairs ( ! ,s5ate ( su* imposition12 
7,d7 9 subsection 7e77#b77;,a71 by      
ins]t+ be=e ! p]iod at ! end ! foll[+3 1
 & notify ! *air & rank+ memb] ( !      
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! *air & rank+
 memb] ( ! ,committee on ,bank+1 ,h\s+1 
& ,urban ,affairs ( ! ,s5ate ( su*      
det]m9ation & ! factors1 data1 &        
analysis lead+ to su* det]m9ation2 &    
7,e7 by add+ at ! end ! foll[+3  7f7    
,delay 9 implem5tation ,a prim>y        
f9ancial regulatory ag5cy may n implem5t
 a recomm5dation made by ! ,c\ncil "u   
subsection 7a7 until ! end ( ! #ij-;day 
p]iod beg9n+ on ! date su* recomm5dation
 is issu$4  2  7#g7 9 section #aba--    
7,a7 9 subsection 7d71 by ins]t+ aft]   
,gov]nors may ! foll[+3 1 aft] notify+ !
 *air & rank+ memb] ( ! ,committee on   
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives & ! *air & rank+ memb] (
 ! ,committee on ,bank+1 ,h\s+1 & ,urban
 ,affairs ( ! ,s5ate12 &  7,b7 by add+  

at ! end ! foll[+3  7e7 ,notice to      
,congress2 delay 9 implem5tation ,!     
,bo>d ( ,gov]nors-- 7#a7 %all notify !  
*air & rank+ memb] ( ! ,committee on    
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives & ! *air & rank+ memb] (
 ! ,committee on ,bank+1 ,h\s+1 & ,urban
 ,affairs ( ! ,s5ate ( an int5tion to   
take an action describ$ "u p>agraph 7#a7
 ?r\gh 7#e7 ( subsection 7a72 &  7#b7   
may n take su* an action until ! end ( !
 #fj-;day p]iod beg9n+ on ! date ( su*  
notification4  2  7#h7 9 section #abb-- 
7,a7 9 subsection 7a71 by /rik+ may     
audit & ins]t+ %all annually audit2 &   
7,b7 9 subsection 7b77#b7-- 7i7 by /rik+
 ,! ,comptroll] & ins]t+ ,! *air & rank+
 memb] ( ! ,committee on ,f9ancial      
,s]vices ( ! ,h\se ( ,repres5tatives1 ! 
*air & rank+ memb] ( ! ,committee on    
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate1 & ! ,comptroll]2 &  7ii7 by     
/rik+ z ! ,comptroll] ,g5]al & ins]t+ z 
! *air1 rank+ memb]1 or ,comptroll]     
,g5]al1 z applicable2  7#i7 9 section   

#aeb7;e71 by add+ at ! end ! foll[+3 ,! 
,(fice %all report on su* detail$       
employees on a mon?ly basis to          
,congress42  7#aj7 9 section #aec-- 7,a7
 9 subsection 7a7-- 7i7 9 p>agraph 7#c71
 by /rik+ ess5tial2  7ii7 by /rik+      
p>agraph 7#e72  7iii7 by r$esignat+     
p>agraphs 7#f7 & 7#g7 z p>agraphs 7#e7 &
 7#f71 respectively2 &  7iv7 9 p>agraph 
7#e71 z s r$esignat$1 by ins]t+ be=e !  
semicolon ! foll[+3 1 ! *air & rank+    
memb] ( ! ,committee on ,f9ancial       
,s]vices ( ! ,h\se ( ,repres5tatives1 & 
! *air & rank+ memb] ( ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate2  7,b7 9 subsection 7b7-- 7i7 9  
p>agraph 7#a7-- 7,i7 by ins]t+ aft] ) ! 
,c\ncil1 ! foll[+3 ! *air & rank+ memb] 
( ! ,committee on ,f9ancial ,s]vices ( !
 ,h\se ( ,repres5tatives1 ! *air & rank+
 memb] ( ! ,committee on ,bank+1 ,h\s+1 
& ,urban ,affairs ( ! ,s5ate12 &  7,,ii7
 9 subp>agraph 7,b71 by ins]t+ be=e !   
semicolon ! foll[+3 & )\t prior notice (
 su* %>+ be+ provid$ to ! *air & rank+  

memb] ( ! ,committee on ,f9ancial       
,s]vices ( ! ,h\se ( ,repres5tatives & !
 *air & rank+ memb] ( ! ,committee on   
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate2  7ii7 9 p>agraph 7#b71 by ins]t+
 be=e ! semicolon ! foll[+3 1 aft]      
provid+ notice to ! *air & rank+ memb] (
 ! ,committee on ,f9ancial ,s]vices ( ! 
,h\se ( ,repres5tatives & ! *air & rank+
 memb] ( ! ,committee on ,bank+1 ,h\s+1 
& ,urban ,affairs ( ! ,s5ate ( su*      
rese>* projects2  7iii7 9 p>agraph 7#c71
 by ins]t+ be=e ! p]iod at ! end !      
foll[+3 1 aft] provid+ notice to ! *air 
& rank+ memb] ( ! ,committee on         
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives & ! *air & rank+ memb] (
 ! ,committee on ,bank+1 ,h\s+1 & ,urban
 ,affairs ( ! ,s5ate ( su* assi/ance2 & 
7,c7 9 subsection 7f77#a71 by /rik+ b   
only & ins]t+ b n e>li] ?an #fj days    
aft] ! ,director notifies ! ,committee  
on ,f9ancial ,s]vices ( ! ,h\se (       
,repres5tatives & ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs ( !    

,s5ate ( ! requirem5t to produce su*    
data & only2  7#aa7 9 section #aed--    
7,a7 9 subsection 7b7-- 7i7 9 p>agraph  
7#a77;,b77i71 by ins]t+ aft] ) !        
,c\ncil1 ! foll[+3 aft] notify+ ! *air &
 rank+ memb] ( ! ,committee on ,f9ancial
 ,s]vices ( ! ,h\se ( ,repres5tatives & 
! *air & rank+ memb] ( ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate12 &  7ii7 9 p>agraph 7#b71 by    
add+ at ! end ! foll[+3  7,c7 ,review & 
report on ! co/ ( ! databases ,! ,data  
,c5t] %all review & report to !         
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! ,committee  
on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! 
,s5ate annually on ! co/ to ! ,gov]nm5t 
& ! co/ to private sector entities (    
ma9ta9+ ! f9ancial company ref]5ce      
database & ! f9ancial in/rum5t ref]5ce  
database1 relative to a detail$         
quantification ( b5efits4  2  7,b7 9    
subsection 7c77#a77;,e71 by ins]t+ be=e 
! semicolon ! foll[+3 or ,congress2 &   
7,c7 9 subsection 7d77#b7-- 7i7 9       

subp>agraph 7,b71 by /rik+ & at ! end2  
7ii7 9 subp>agraph 7,c71 by /rik+ !     
p]iod at ! end & ins]t+ 2 &2 &  7iii7 by
 add+ at ! end ! foll[+3  7,d7 evid5ce (
 ineffici5t1 ineffective1 or burd5some  
regulations4  2 &  7#ab7 9 section      
#aee7;d7-- 7,a7 by /rik+ ,beg9n+ &      
ins]t+ ! foll[+3  7#a7 ,9 g5]al ,beg9n+ 
2 &  7,b7 by add+ at ! end ! foll[+3    
7#b7 ,maximum assessm5t am\nt ,!        
aggregate am\nt ( assessm5ts collect$   
pursuant to p>agraph 7#a7 may n exce$ ! 
aggregate am\nt ( assessm5ts collect$ 9 
! mo/ rec5tly complet$ fiscal ye> end+  
be=e ! date ( enactm5t ( ?is p>agraph1 z
 su* aggregate am\nt is adju/$ annually 
by ! ,director ( ! ,(fice to reflect !  
*ange 9 ! ,consum] ,price ,index = ,all 
,urban ,consum]s publi%$ by ! ,bureau ( 
,labor ,/ati/ics ( ! ,dep>tm5t ( ,labor4
  4  7b7 ,con=m+ am5dm5t ,section #ecad 
( title #e1 ,unit$ ,/ates ,code1 is     
am5d$ by /rik+ ,indep5d5t ,memb] ( !    
,f9ancial ,/ability ,ov]sight ,c\ncil   
7#a7 & ins]t+ ,indep5d5t ,memb]s ( !    

,f9ancial ,/ability ,ov]sight ,c\ncil   
7#b74  ,,iv ,e/abli%+ ,f$]al ,res]ve    
,vice ,*air = ,sup]vision ,exp]i5ce     
,requirem5t  #dja4 ,e/abli%m5t (        
requirem5ts to be ,vice ,*airman =      
,sup]vision  7a7 ,9 g5]al ,! second     
undesignat$ p>agraph ( section #aj ( !  
,f$]al ,res]ve ,act 7#ab ,u4,s4,c4 #bdb7
 is am5d$-- 7#a7 by ins]t+ ! foll[+ aft]
 ! ?ird s5t5ce3 ,9 designat+ ! ,vice    
,*airman = ,sup]vision1 ! ,presid5t %all
 designate an individual ) demon/rat$   
prim>y exp]i5ce work+ 91 or sup]vis+1   
insur$ depository in/itutions1 bank     
hold+ companies1 or sav+s & loan hold+  
companies42 &  7#b7 9 ! f\r? s5t5ce--   
7,a7 by ins]t+ aft] sup]vis$ by ! ,bo>d 
! foll[+3 7) any su* recomm5dations be+ 
provid$ to ! ,bo>d ) ample & suffici5t  
"t = review prior to ! ,vice ,*airman   
mak+ ! recomm5dation public72 &  7,b7 by
 ins]t+ aft] regulation ( su* firms !   
foll[+3 1 subject to su* ov]sight &     
control ( ! ,bo>d z ! ,bo>d det]m9es    
necess>y & appropriate4  7b7 ,rule (    

application ,! am5dm5t made by          
subsection 7a7 %all apply to individuals
 :o are designat$ by ! ,presid5t on or  
aft] ! date ( enactm5t ( ?is ,act to    
s]ve z ! ,vice ,*airman = ,sup]vision4  
,v ,bank+ ,regulator ,acc\ntability     
#eja4 ,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$-- 7#a7 by /rik+ ,sec4  
#ccc4 & all t foll[s ?r\gh ,!           
,comptroll] & ins]t+ ! foll[+3  #ccc4   
,report ( comptroll]  7a7 ,annual report
 ,! ,comptroll]  2 &  7#b7 by add+ at ! 
end ! foll[+3  7b7 ,semi-annual te/imony
 & report to ,congress on sup]vision    
7#a7 ,appe>ances be=e ,congress ,!      
,comptroll] ( ! ,curr5cy %all appe> be=e
 ! ,committee on ,bank+1 ,h\s+1 & ,urban
 ,affairs ( ! ,s5ate & ! ,committee on  
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives at semi-annual he>+s    
reg>d+ ! ef=ts1 activities1 objectives1 
& plans ( ! ,(fice ( ! ,comptroll] ( !  
,curr5cy ) respect to ! conduct (       
sup]vision & regulation ( national banks
 & o!r f9ancial firms sup]vis$ 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  ,decemb] #ai1      
#bjbd;,committee on ,ov]sight &         
,acc\ntability dis*>g$2 committ$ to !   
,committee ( ! ,:ole ,h\se on ! ,/ate ( 
! ,union & ord]$ to be pr9t$