,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #ccgi  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,may #ad1 #bjbe,mr4   
,fitzg]ald introduc$ ! foll[+ bill2 :i* 
0 ref]r$ to ! ,committee on ,f9ancial   
,s]vices  ,a ,,bill  ,to am5d ! ,f$]al  
,f9ancial ,in/itutions ,exam9ation      
,c\ncil ,act ( #aigh to require ! ,f$]al
 f9ancial in/itutions regulatory ag5cies
 to update ! ,,camels ,rat+ ,sy/em1 & = 
o!r purposes4  #a4 ,%ort title ,?is ,act
 may be cit$ z ! ,halt+ ,unc]ta9 ,me?ods
 & ,practices 9 ,sup]vision ,act ( #bjbe
 or ! ,,humps ,act ( #bjbe4  #b4 ,f9d+s 
,congress f9ds t-- 7#a7 ,,camels rat+s  
7,capital adequacy1 ,asset quality1     
,managem5t1 ,e>n+s1 ,liquidity1 &       
,s5sitivity to m>ket risk7 are a        
critical tool = evaluat+ ! safety &     
s\ndness ( f9ancial in/itutions1 & !    
basis = det]m9+ significant regulatory  
matt]s su* z ! evaluation = m]g]s &     
acquisitions & a bank's deposit         
insurance premiums2  7#b7 ! ,,camels    
rat+ sy/em relies heavily on exam9]     

judgm5t1 :i* c lead to subjective &     
inconsi/5t rat+s across simil>          
in/itutions2  7#c7 e/abli%+ cle>1       
objective measures = ea* ,,camels       
compon5t & _! relative weight+ 9 det]m9+
 composite rat+s w promote fairness1    
consi/5cy1 & acc\ntability 9 sup]visory 
assessm5ts2 &  7#d7 exam9ation &        
sup]vision1 z well z ! ,,camels rat+    
sy/em1 %\ld focus on a f9ancial         
in/itution's core f9ancial condition or 
solv5cy4  #c4 ,am5dm5ts to ! ,,camels   
,rat+ ,sy/em  7a7 ,9 g5]al ,! ,f$]al    
,f9ancial ,in/itutions ,exam9ation      
,c\ncil ,act ( #aigh 7#ab ,u4,s4,c4     
#ccja et seq47 is am5d$ by add+ at ! end
 ! foll[+3  #ajab4 ,am5dm5ts to !       
,,camels ,rat+ ,sy/em  7a7 ,9 g5]al ,!  
,c\ncil %all make recomm5dations to am5d
 ! ,uni=m ,f9ancial ,in/itutions ,rat+  
,sy/em1 & ! ,,camels compon5ts !reund]1 
to-- 7#a7 e/abli% cle> & objective      
crit]ia = assess+ ea* ,,camels compon5t2
  7#b7 revise ! weight+ ( ea* ,,camels  
compon5t to d]ive a composite rat+ t m  

accurately reflects ! f9ancial condition
 & risk pr(ile ( ! f9ancial in/itutions 
be+ rat$2  7#c7 ei!r-- 7,a7 elim9ate !  
managem5t compon5t ( ! ,,camels rat+    
sy/em2 or  7,b7 revise ! managem5t      
compon5t ( ! ,,camels rat+ sy/em to     
limit ! assessm5t "u su* compon5t to    
objective measures ( ! gov]nance &      
controls us$ to manage an in/itution's  
risk pr(ile2 &  7#d7 ensure t composite 
rat+s are det]m9$ bas$ on a transp>5t   
me?odology t is limit$ to ! objective   
crit]ia e/abli%$ = ea* ,,camels         
compon5t4  7b7 ,rulemak+ ,n lat] ?an #ab
 mon?s aft] ! ,c\ncil makes !           
recomm5dations requir$ "u subsection    
7a71 ! ,f$]al f9ancial in/itutions      
regulatory ag5cies %all1 jo9tly1 issue  
rules to c>ry out ! recomm5dations      
describ$ "u subsection 7a74  7c7 ,public
 comm5t p]iod ,9 issu+ ! rules requir$  
"u subsection 7b71 ! ,f$]al f9ancial    
in/itutions regulatory ag5cies %all--   
7#a7 publi% a notice ( propos$ rulemak+ 
) respect to su* rules2 &  7#b7 provide 

= a public comm5t p]iod ( n less ?an #fj
 days4  7d7 ,rule ( con/ruction ,no?+ 9 
?is section may be con/ru$ to limit !   
au?ority ( ! ,f$]al f9ancial in/itutions
 regulatory ag5cies to take sup]visory  
or en=cem5t actions to ensure ! safety &
 s\ndness ( f9ancial in/itutions4  4    
7b7 ,well manag$ def9ition ,section     
#b7o77#i77;,a7 ( ! ,bank ,hold+ ,company
 ,act ( #aief 7#ab ,u4,s4,c4            
#ahda7o77#i77;,a77 is am5d$-- 7#a7 by   
/rik+ a*ievem5t ( & all t foll[s ?r\gh a
 ,,camel & ins]t+ a*ievem5t ( a ,,camel2
  7#b7 by /rik+ 2 & & ins]t+ a p]iod2 & 
7#c7 by /rik+ clause 7ii74