,i  #aah? ,,congress  #a/ ,session  ,h4 
,r4 #dbjd  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,june #bj1 #bjbc ,mr4 
,gre5 ( ,texas introduc$ ! foll[+ bill2 
:i* 0 ref]r$ to ! ,committee on         
,f9ancial ,s]vices  ,a ,,bill  ,to am5d 
! ,f$]al ,deposit ,insurance ,act to    
exempt community banks f any special    
assessm5t ( ! ,f$]al ,deposit ,insurance
 ,corporation caus$ by ! use ( ! sy/emic
 risk au?ority "u t ,act1 & = o!r       
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,%ield+ ,community ,banks f
 ,sy/emic ,risk ,assessm5ts ,act4  #b4  
,special assessm5ts to recov] losses due
 to ! use ( sy/emic risk au?ority  7a7  
,f9d+s ,congress f9ds ! foll[+3  7#a7   
,community banks1 includ+ rural banks1  
community developm5t f9ancial           
in/itutions1 & m9ority depository       
in/itutions1 did n cause or contribute  
to ! rec5t bank failures ( ,silicon     
,valley ,bank & ,signature ,bank1 &     
o!rwise may h se5 deposit outfl[s due to
 ! mismanagem5t ( ^! l>ge banks4  7#b7  

,! ,f$]al ,deposit ,insurance           
,corporation has broad flexibility "u   
law to exempt community banks f !       
special assessm5t t ! ,corporation w ne$
 to *>ge to rec\p losses f ! use ( !    
sy/emic risk exception4  7b7 ,s5se (    
,congress ,x is ! s5se ( ! ,congress t !
 ,f$]al ,deposit ,insurance ,corporation
 %\ld fully exempt community banks f any
 special assessm5t to rec\p losses to ! 
,deposit ,insurance ,fund due to !      
failures ( ,silicon ,valley ,bank &     
,signature ,bank & ! use ( ! sy/emic    
risk exception4  7c7 ,limitations on    
special assessm5ts relat$ to ! use ( !  
sy/emic risk au?ority ,section          
#ac7;c77#d77;,g77ii7 ( ! ,f$]al ,deposit
 ,insurance ,act 7#ab ,u4,s4,c4         
#ahbc7;c77#d77;,g77ii77 is am5d$ by add+
 at ! end ! foll[+3  7,,iv7 ,exemptions2
 graduat$ assessm5ts ,) respect to any  
special assessm5t describ$ "u ?is       
clause1 ! ,corporation %all-- 7aa7      
exempt insur$ depository in/itutions &  
depository in/itution hold+ companies ) 

less ?an #e1jjj1jjj1jjj 9 consolidat$   
assets 7or su* high] asset am\nt z !    
,corporation det]m9es appropriate72 &   
7bb7 graduate ! am\nt ( su* special     
assessm5ts su* t insur$ depository      
in/itutions & depository in/itution     
hold+ companies ) less ?an              
#ej1jjj1jjj1jjj 9 consolidat$ assets pay
 a significantly small] portion ( su*   
assessm5t ?an ^? insur$ depository      
in/itutions & depository in/itution     
hold+ companies ) #ej1jjj1jjj1jjj or m 9
 consolidat$ assets4  4