,i  #aah? ,,congress  #a/ ,session  ,h4 
,r4 #cibh  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,june #g1 #bjbc ,mr4  
,s*iff introduc$ ! foll[+ bill2 :i* 0   
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to am5d ! ,f$]al  
,deposit ,insurance ,act to p]mit an    
insur$ depository in/itution to elect to
 h a high] /&>d maximum deposit         
insurance am\nt applicable to comm]cial 
deposits ( ! in/itution & to require    
high] assessm5ts ( su* an in/itution1 to
 am5d ! ,f$]al ,cr$it ,union ,act to    
provide a simil> program = insur$ cr$it 
unions1 & = o!r purposes4  #a4 ,%ort    
title ,?is ,act may be cit$ z ! ,deposit
 ,insurance ,re=m ,act ( #bjbc4  #b4    
,election ( high] /&>d maximum deposit  
insurance am\nt = comm]cial deposits    
,section #aa ( ! ,f$]al ,deposit        
,insurance ,act 7#ab ,u4,s4,c4 #ahba7 is
 am5d$ by add+ at ! end ! foll[+3  7x7  
,election ( high] /&>d maximum deposit  
insurance am\nt = comm]cial deposits    
7#a7 ,multiple levels ( deposit         

insurance ,! ,corporation %all e/abli%  
multiple levels ( /&>d maximum deposit  
insurance am\nts t are applicable to    
comm]cial deposits & are above ! am\nt  
def9$ "u subsection 7a77#a77;,e74  7#b7 
,election ,an insur$ depository         
in/itution may elect to apply a /&>d    
maximum deposit insurance am\nt e/abli%$
 "u p>agraph 7#a7 to ! comm]cial        
deposits ( ! insur$ depository          
in/itution4  7#c7 ,deposit ,insurance   
,fund assessm5ts ,! ,corporation %all   
set ! assessm5t rate ( an insur$        
depository in/itution mak+ an election  
"u p>agraph 7#b7 at su* high] rate z is 
necess>y to reflect ! increas$ risk to !
 ,deposit ,insurance ,fund f ! failure (
 an insur$ depository in/itution ) a    
high] /&>d maximum deposit insurance4   
7#d7 ,rulemak+ ,! ,corporation %all     
issue su* rules z may be necess>y to    
c>ry out ?is subsection4  7#e7          
,comm]cial deposits def9$ ,9 ?is        
subsection1 ! t]m comm]cial deposits    
means any deposits o!r ?an deposits ( an

 individual 7unless ! individual is     
op]at+ 9 ! capacity ( a sole            
proprietor%ip74  4  #c4 ,election (     
high] /&>d maximum %>e insurance am\nt =
 comm]cial deposits ,section #bjg7k7 ( !
 ,f$]al ,cr$it ,union ,act 7#ab         
,u4,s4,c4 #aghg7k77 is am5d$ by add+ at 
! end ! foll[+3  7#g7 ,election ( high] 
/&>d maximum %>e insurance am\nt =      
comm]cial deposits  7,a7 ,multiple      
levels ( %>e insurance ,! ,bo>d %all    
e/abli% multiple levels ( /&>d maximum  
%>e insurance am\nts t are applicable to
 comm]cial deposits & are above ! am\nt 
def9$ "u p>agraph 7#f74  7,b7 ,election 
,an insur$ cr$it union may elect to     
apply a /&>d maximum %>e insurance am\nt
 e/abli%$ "u subp>agraph 7,a7 to !      
comm]cial deposits in/ead ( ! am\nt     
def9$ "u p>agraph 7#f74  7,c7 ,fund     
premium *>ges ,! ,bo>d %all set !       
premium *>ge rate applicable to an      
insur$ cr$it union mak+ an election "u  
subp>agraph 7,b7 at su* high] rate z is 
necess>y to reflect ! increas$ risk to !

 ,fund f ! failure ( an insur$ cr$it    
union ) a high] /&>d maximum %>e        
insurance am\nt4  7,d7 ,rulemak+ ,!     
,bo>d %all issue su* rules z may be     
necess>y to c>ry out ?is p>agraph4  7,e7
 ,comm]cial deposits def9$ ,9 ?is       
p>agraph1 ! t]m comm]cial deposits means
 any deposits o!r ?an deposits ( an     
individual 7unless ! individual is      
op]at+ 9 ! capacity ( a sole            
proprietor%ip74  4