,,ii  #aah? ,,congress  #a/ ,session    
,s4 #bdjc  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,july #bj1 #bjbc,mr4   
,vance introduc$ ! foll[+ bill2 :i* 0   
read twice & ref]r$ to ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to am5d ! ,f$]al ,deposit      
,insurance ,act to provide = ! insurance
 ( transaction acc\nts1 & = o!r         
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,payroll ,acc\nt ,gu>antee 
,act ( #bjbc4  #b4 ,insurance (         
transaction acc\nts  7a7 ,banks & sav+s 
associations ,section #aa7;a77#a7 ( !   
,f$]al ,deposit ,insurance ,act 7#ab    
,u4,s4,c4 #ahba7;a77#a77 is am5d$-- 7#a7
 9 subp>agraph 7,b7-- 7,a7 by /rik+ ,!  
net am\nt & ins]t+ ! foll[+3  7i7 ,9    
g5]al ,subject to clause 7ii71 ! net    
am\nt  2 &  7,b7 by add+ at ! end !     
foll[+ new clauses3  7ii7 ,insurance =  
non9t]e/-be>+ transaction acc\nts  7,i7 
,def9ition ,= purposes ( ?is            
subp>agraph1 ! t]m non9t]e/-be>+        
transaction acc\nt means a deposit or   

acc\nt ma9ta9$ at an insur$ depository  
in/itution-- 7aa7 ) respect to :i*      
int]e/ is nei!r accru$ nor paid2  7bb7  
on :i* ! depositor or acc\nt hold] is   
p]mitt$ to make )drawals by negotiable  
or transf]able in/rum5t1 paym5t ord]s ( 
)drawal1 telephone or o!r electronic    
m$ia transf]s1 or o!r simil> items = !  
purpose ( mak+ paym5ts or transf]s to   
?ird p>ties or o!rs2 &  7cc7 on :i* !   
insur$ depository in/itution does n     
res]ve ! "r to require advance notice ( 
an int5d$ )drawal4  7,,ii7 ,insurance   
,not)/&+ clause 7i71 ! ,corporation %all
 fully insure ! net am\nt t any         
depositor at an insur$ depository       
in/itution ) less ?an #bbe1jjj1jjj1jjj 9
 assets ma9ta9s 9 a non9t]e/-be>+       
transaction acc\nt4 ,su* am\nt %all n be
 tak5 into acc\nt :5 comput+ ! net am\nt
 due to su* depositor "u clause 7i74    
7,,iii7 ,no fees ,no fee may be levi$ on
 an insur$ depository in/itution = !    
insurance "u ?is clause4  4  7#b7 9     
subp>agraph 7,c71 by /rik+ subp>agraph  

7,b7 & ins]t+ subp>agraph 7,b77i74  7b7 
,cr$it unions ,section #bjg7k77#a7 ( !  
,f$]al ,cr$it ,union ,act 7#ab ,u4,s4,c4
 #aghg7k77#a77 is am5d$-- 7#a7 9        
subp>agraph 7,a7-- 7,a7 by /rik+        
,subject to ! provisions ( p>agraph     
7#b71 ! net am\nt & ins]t+ ! foll[+3    
7i7 ,net am\nt ( insurance payable      
,subject to clause 7ii7 & ! provisions (
 p>agraph 7#b71 ! net am\nt  2 &  7,b7  
by add+ at ! end ! foll[+ new clauses3  
7ii7 ,insurance = non9t]e/-be>+         
transaction acc\nts  7,i7 ,def9ition ,= 
purposes ( ?is subp>agraph1 ! t]m       
non9t]e/-be>+ transaction acc\nt means  
an acc\nt or deposit ma9ta9$ at an      
insur$ cr$it union-- 7aa7 ) respect to  
:i* int]e/ is nei!r accru$ nor paid2    
7bb7 on :i* ! acc\nt hold] or depositor 
is p]mitt$ to make )drawals by          
negotiable or transf]able in/rum5t1     
paym5t ord]s ( )drawal1 telephone or o!r
 electronic m$ia transf]s1 or o!r simil>
 items = ! purpose ( mak+ paym5ts or    
transf]s to ?ird p>ties or o!rs2 &  7cc7

 on :i* ! insur$ cr$it union does n     
res]ve ! "r to require advance notice ( 
an int5d$ )drawal4  7,,ii7 ,insurance   
,not)/&+ clause 7i71 ! ,bo>d %all fully 
insure ! net am\nt t any memb] or       
depositor at an insur$ cr$it union      
ma9ta9s 9 a non9t]e/-be>+ transaction   
acc\nt4 ,su* am\nt %all n be tak5 into  
acc\nt :5 comput+ ! net am\nt due to su*
 memb] or depositor "u clause 7i74      
7,,iii7 ,no fees ,no fee may be levi$ on
 an insur$ cr$it union = ! insurance "u 
?is clause4  4  7#b7 9 subp>agraph 7,b71
 by /rik+ subp>agraph 7,a7 & ins]t+     
subp>agraph 7,a77i74