,i  #aaith ,,congress  #b;d ,session    
,h4 ,r4 #ajhba  ,,in ,,the ,,house ,,of 
,,representatives  ,october #ae1 #bjbf  
,mr4 ,gottheimer introduced the         
following bill2 which was referred to   
the ,committee on ,financial ,services  
,a ,,bill  ,to amend the ,federal       
,deposit ,insurance ,act to make changes
 to the ,standard ,maximum ,deposit     
,insurance ,amount1 and for other       
purposes4  #a4 ,standard ,maximum       
,deposit ,insurance ,amount  7a7 ,in    
general ,section #aa7;a7 of the ,federal
 ,deposit ,insurance ,act 7#ab ,u4,s4,c4
 #ahba7;a77 is amended-- 7#a7 in        
subparagraph 7,e7--  7,a7 by striking   
#bej1jjj and inserting #gej1jjj2 and    
7,b7 by striking after ,march #ca1 #bjaj
 and all that follows through to the end
 of subparagraph 7,e72 and  7#b7 by     
striking subparagraph 7,f7 and inserting
 the following3  7,f7 ,,cpi ,adjustment 
,on ,january #a of the year following   
the year during which this subparagraph 
was enacted1 and each ,january #a       

thereafter1 the ,corporation shall--    
7i7 adjust the first dollar figure      
described in subparagraph 7,e7 by a     
percentage equal to the percentage      
increase1 if any1 in the ,consumer      
,price ,index for ,all ,urban ,consumers
 published by the ,bureau of ,labor     
,statistics for the most recent         
#ab-month period for which data are     
available2 and  7ii7 round each adjusted
 dollar figure down to the nearest      
#aj1jjj4  4  7b7 ,effective date ,the   
amendments made by this section shall   
take effect #ahj days after the date of 
the enactment of this section4  #b4     
,study  7a7 ,in general ,the ,federal   
,deposit ,insurance ,corporation and the
 ,national ,credit ,union               
,administration shall jointly1 not later
 than #a year after the date of the     
enactment of this section1 submit a     
report to the ,congress after conducting
 research and analysis that determines  
the appropriate amount for the standard 
maximum deposit insurance amount under  

section #aa7;,a77#a77;,e7 of the        
,federal ,deposit ,insurance ,act4  7b7 
,considerations ,when determining the   
appropriate amount for the for the      
standard maximum deposit insurance      
amount under section #aa7;,a77#a77;,e7  
of the ,federal ,deposit ,insurance ,act
 the ,federal ,deposit ,insurance       
,corporation and the ,national ,credit  
,union ,administration shall consider   
the amounts of assets held by           
institutions1 the distribution of       
deposit balances across institutions1   
the ratio between insured and uninsured 
deposits1 and effects on the ,deposit   
,insurance ,fund4  7c7 ,inclusion ,the  
report submitted by the ,federal        
,deposit ,insurance ,corporation and the
 ,national ,credit ,union               
,administration under subsection 7a7    
shall include information about--  7#a7 
any tools and resources the ,federal    
,deposit ,insurance ,corporation and the
 ,national ,credit ,union               
,administration would need to           

effectively implement the standard      
maximum deposit insurance amount        
determined appropriate by the ,federal  
,deposit ,insurance ,corporation and the
 ,national ,credit ,union               
,administration2  7#b7 the benefits that
 would be associated with implementing  
the standard maximum deposit insurance  
amount determined appropriate by the    
,federal ,deposit ,insurance            
,corporation and the ,national ,credit  
,union ,administration2 and  7#c7 any   
operational or administrative protocols 
the ,federal ,deposit ,insurance        
,corporation and the ,national ,credit  
,union ,administration would need to    
establish to implement and administer   
the standard maximum deposit insurance  
amount determined appropriate by the    
,federal ,deposit ,insurance            
,corporation and the ,national ,credit  
,union ,administration1 including       
protocols for the annual adjustment     
described under section #aa7;a77#a77;,f7
 of the ,federal ,deposit ,insurance    

,act4