,i  #aah? ,,congress  #b;d ,session  ,h4
 ,r4 #geca  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,m>* #e1 #bjbd,mr4    
,luetkemey] 7= himself1 ,mr4 ,donalds1  
,mr4 ,williams ( ,texas1 ,mr4           
,fitzg]ald1 ,mr4 ,sessions1 ,mr4 ,flood1
 ,mr4 ,nunn ( ,i[a1 ,mr4 ,meus]1 & ,mr4 
,posey7 introduc$ ! foll[+ bill2 :i* 0  
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to require ! ,bo>d
 ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em  
to /udy ! impacts ( ! ,bo>d's ,reg ,,ii 
propos$ rule1 to complete a quantitative
 impact analysis ( su* rule1 & to       
consid] ! results ( su* /udy & analysis 
be=e f9aliz+ su* rule1 & = o!r purposes4
  #a4 ,%ort title ,?is ,act may be cit$ 
z ! ,secure ,paym5ts ,act ( #bjbd4  #b4 
,/udy & quantitative impact analysis    
relat$ to int]*ange transaction fee     
requirem5ts  7a7 ,9 g5]al ,! ,bo>d (    
,gov]nors ( ! ,f$]al ,res]ve ,sy/em %all
 conduct ! foll[+3 7#a7 ,a /udy (-- 7,a7
 ! impacts ( ! ,reg ,,ii propos$ rule   
on-- 7i7 consum]s1 includ+ access to    

free or l[- & no-co/ deposit acc\nts2   
7ii7 m]*ants' co/s ( accept+ debit c>ds2
 &  7iii7 f9ancial in/itutions' ef=ts to
 mitigate fraud2 &  7,b7 ! cumulative   
impacts ( all propos$ rules ( ,f$]al    
ag5cies issu$ betwe5 ,janu>y #a1 #bjbc1 
& ! date ( enactm5t ( ?is ,act t affect 
deposit acc\nts4  7#b7 ,a quantitative  
impact analysis ( ! ,reg ,,ii propos$   
rule to /udy-- 7,a7 ! pot5tial impact ( 
! rule on consum]s1 includ+ !           
af=dability ( debit products &          
availability ( l[ or no fee bank+       
products s]v+ l[- & mod]ate-income      
communities2 &  7,b7 ! impact ( ! *anges
 made by ! rule on small insur$         
depository in/itutions4  7b7 ,report ,! 
,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve    
,sy/em %all issue a report to !         
,congress conta9+ all f9d+s &           
det]m9ations made 9 c>ry+ out ! /udy & !
 quantitative impact analysis requir$ "u
 subsection 7a74  7c7 ,requirem5t ,to   
consid] results ( report be=e f9aliz+   
,reg ,,ii propos$ rule ,! ,bo>d (       

,gov]nors may n f9alize ! ,reg ,,ii     
propos$ rule until aft] ! issuance ( !  
report requir$ "u subsection 7b7 & only 
aft]-- 7#a7 consid]+ ! results conta9$ 9
 su* report2 &  7#b7 tak+ into acc\nt-- 
7,a7 ! effect ( ! ,reg ,,ii propos$ rule
 on ! capital & e>n+s ( depository      
in/itutions2 &  7,b7 :e!r ! ,bo>d (     
,gov]nors c det]m9e t int]*ange fee caps
 provide net b5efits to l[- &           
mod]ate-income & und]s]v$ cu/om]s4  7d7 
,reg ,,ii propos$ rule def9$ ,! t]m ,reg
 ,,ii propos$ rule means ! propos$ rule 
titl$ ,debit ,c>d ,int]*ange ,fees &    
,r\t+ 7#hh ,f$4 ,reg4 #ghajj2 publi%$   
,novemb] #ad1 #bjbc74