,,ib ,union ,cal5d> ,no4 #cad #aai?     
,,congress  #a/ ,session  ,h4 ,r4 #cbcd 
,report ,no4 #aai-cfb ,,9 ,,! ,,h\se ,,(
 ,,repres5tatives  ,may #g1 #bjbe,mr4   
,emm] 7= himself1 ,mrs4 ,beatty1 ,mr4   
,meus]1 & ,ms4 ,moore ( ,wiscons97      
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices     
,novemb] #d1 #bjbe;,additional sponsors3
 ,mr4 ,b>r1 ,mr4 ,flood1 ,mr4 ,williams 
( ,texas1 ,mr4 ,ezell1 ,mr4 ,sessions1  
,mr4 ,gold5 ( ,ma9e1 ,mr4 ,b]gman1 &    
,mr4 ,rog]s ( ,alabama  ,novemb] #d1    
#bjbe,report$ ) an am5dm5t1 committ$ to 
! ,committee ( ! ,:ole ,h\se on ! ,/ate 
( ! ,union1 & ord]$ to be printed,strike
 out all aft] ! enact+ clause & ins]t ! 
"p pr9t$ 9 italic,for text ( introduc$  
bill1 see copy ( bill z introduc$ on    
,may #g1 #bjbe  ,a ,,bill  ,to am5d !   
,f$]al ,deposit ,insurance ,act to      
modify ! am\nt ( reciprocal deposits (  
an insur$ depository in/itution t are n 
consid]$ to be funds obta9$ by or ?r\gh 
a deposit brok]1 & = o!r purposes4  #a4 

,%ort title ,?is ,act may be cit$ z !   
,keep+ ,deposits ,local ,act4  #b4      
,am\nt ( reciprocal deposits t are n    
consid]$ to be funds obta9$ by or ?r\gh 
a deposit brok] ,section #bi7;i7 ( !    
,f$]al ,deposit ,insurance ,act 7#ab    
,u4,s4,c4 #ahca;f7i77 is am5d$ by /rik+ 
p>agraph 7#a7 & ins]t+ ! foll[+3  7#a7  
,9 g5]al ,! sum ( ! foll[+ am\nts (     
reciprocal deposits ( an ag5t in/itution
 %all n be consid]$ to be funds obta9$1 
directly or indirectly1 by or ?r\gh a   
deposit brok]3 7,a7 ,an am\nt equal to  
#ej p]c5t ( ! portion ( ! total         
liabilities ( ! ag5t in/itution t is    
less ?an or equal to #a1jjj1jjj1jjj4    
7,b7 ,an am\nt equal to #dj p]c5t ( !   
portion1 if any1 ( ! total liabilities (
 ! ag5t in/itution t is great] ?an      
#a1jjj1jjj1jjj1 b less ?an or equal to  
#aj1jjj1jjj1jjj4  7,c7 ,an am\nt equal  
to #cj p]c5t ( ! portion1 if any1 ( !   
total liabilities ( ! ag5t in/itution t 
is great] ?an #aj1jjj1jjj1jjj1 b less   
?an or equal to #bej1jjj1jjj1jjj4  4    

#c4 ,def9ition ( ,ag5t ,in/itution      
,section #bi7;i77#b77;,a77i7 ( ! ,f$]al 
,deposit ,insurance ,act 7#ab ,u4,s4,c4 
#ahca;f7i77#b77;,a77i77 is am5d$ by     
/rik+ subclause 7,i7 & ins]t+ ! foll[+3 
7,i7 :5 mo/ rec5tly exam9$ "u section   
#aj7;d7 0 assign$ a ,,camels rat+ ( #a1 
#b1 or #c "u ! ,uni=m ,f9ancial         
,in/itutions ,rat+ ,sy/em 7or an        
equival5t rat+ "u a comp>able rat+      
sy/em72 &  4  #d4 ,reciprocal deposits  
/udy  7a7 ,9 g5]al ,! ,f$]al ,deposit   
,insurance ,corporation1 9 consultation 
) ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve
 ,sy/em1 %all c>ry out a /udy on        
reciprocal deposits4  7b7 ,cont5ts ,!   
/udy requir$ "u subsection 7a7 %all     
include-- 7#a7 an analysis ( h[         
reciprocal deposits h p]=m$ s9ce #bjah1 
:i* %all include-- 7,a7 ! use (         
quantitative & qualitative data2  7,b7 a
 breakd[n ( ! usage ( reciprocal        
deposits by size ( insur$ depository    
in/itution2  7,c7 ! usage ( reciprocal  
deposits dur+ p]iods ( /ress2 &  7,d7 an

 analysis1 to ! ext5t practicable1 (    
end-us] depositors1 su* z               
municipalities1 bus9esses1 & non-pr(it  
organizations1 t drive dem& = reciprocal
 products2  7#b7 an analysis1 to ! ext5t
 practicable1 ( h[ reciprocal deposits  
comp>e to o!r deposit arrangem5ts2 &    
7#c7 an analysis ( ! b5efits & pot5tial 
risks ( reciprocal deposits4  7c7       
,report ,n lat] ?an #f mon?s aft] ! date
 ( enactm5t ( ?is ,act1 ! ,f$]al        
,deposit ,insurance ,corporation %all   
issue a report to ! ,committee on       
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives & ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate conta9+ all f9d+s & det]m9ations 
made 9 c>ry+ out ! report requir$ "u    
subsection 7a74  ,novemb] #d1           
#bjbe,report$ ) an am5dm5t1 committ$ to 
! ,committee ( ! ,:ole ,h\se on ! ,/ate 
( ! ,union1 & ord]$ to be pr9t$