,,ii  #aah? ,,congress  #b;d ,session   
,s4 #degj  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,june #ah1 #bjbd,mr4   
,budd 7= himself1 ,mr4 ,hag]ty1 ,mr4    
,da9es1 ,mr4 ,tillis1 & ,mrs4 ,britt7   
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to require ! ,bo>d ( ,gov]nors 
( ! ,f$]al ,res]ve ,sy/em to /udy !     
impacts ( ! propos$ rule on debit c>d   
int]*ange fees & r\t+1 & = o!r purposes4
  #a4 ,%ort title ,?is ,act may be cit$ 
z ! ,secure ,paym5ts ,act ( #bjbd4  #b4 
,def9ition ,9 ?is ,act1 ! t]m ,reg ,,ii 
propos$ rule means ! notice ( propos$   
rulemak+ entitl$ ,debit ,c>d ,int]*ange 
,fees & ,r\t+ 7#hh ,f$4 ,reg4 #ghajj    
7,novemb] #ad1 #bjbc774  #c4 ,/udy &    
quantitative impact analysis relat$ to  
int]*ange transaction fee requirem5ts   
7a7 ,9 g5]al ,! ,bo>d ( ,gov]nors ( !   
,f$]al ,res]ve ,sy/em %all conduct--    
7#a7 a /udy (-- 7,a7 ! impacts ( ! ,reg 
,,ii propos$ rule on-- 7i7 consum]s1    

includ+ access to free or l[- & no-co/  
deposit acc\nts2  7ii7 ! co/s to m]*ants
 ( accept+ debit c>ds2 &  7iii7 ef=ts ( 
f9ancial in/itutions 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\nts2 &  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$]al ,res]ve ,sy/em %all submit to    
,congress a report t conta9s all f9d+s &
 det]m9ations made 9 c>ry+ out ! /udy & 
! quantitative impact analysis requir$  
"u subsection 7a74  7c7 ,requirem5t ,to 
consid] results ( report be=e f9aliz+   
,reg ,,ii propos$ rule ,! ,bo>d (       

,gov]nors ( ! ,f$]al ,res]ve ,sy/em may 
n f9alize ! ,reg ,,ii propos$ rule      
until-- 7#a7 ! date on :i* ! report     
requir$ "u subsection 7b7 is issu$2 &   
7#b7 consid]+ ! results conta9$ 9 !     
report requir$ "u subsection 7b72 &     
7#c7 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