,,ib ,union ,cal5d> ,no4 #afh #aai?     
,,congress  #a/ ,session  ,h4 ,r4 #cgji 
,report ,no4 #aai-bje ,,9 ,,! ,,h\se ,,(
 ,,repres5tatives  ,june #d1 #bjbe,mrs4 
,beatty introduc$ ! foll[+ bill2 :i* 0  
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,july #ae1 #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 ,june #d1    
#bjbe  ,a ,,bill  ,to am5d ! ,f9ancial  
,in/itutions ,re=m1 ,recov]y1 &         
,en=cem5t ,act ( #aihi to e/abli% a     
,f9ancial ,ag5t ,m5tor-,protg ,program  
)9 ! ,dep>tm5t ( ! ,treasury1 & = o!r   
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,advanc+ ! ,m5tor-,protg   
,program = ,small ,f9ancial ,in/itutions
 ,act4  #b4 ,e/abli%m5t ( ,f9ancial     
,ag5t ,m5tor-,protg ,program  7a7 ,9    
g5]al ,section #cjh ( ! ,f9ancial       
,in/itutions ,re=m1 ,recov]y1 &         

,en=cem5t ,act ( #aihi 7#ab ,u4,s4,c4   
#adfc note7 is am5d$ by add+ at ! end ! 
foll[+ new subsection3  7d7 ,f9ancial   
,ag5t ,m5tor-,protg ,program  7#a7 ,9   
g5]al ,! ,secret>y ( ! ,treasury %all   
e/abli% a program to be kn[n z !        
,f9ancial ,ag5t ,m5tor-,protg ,program  
79 ?is subsection ref]r$ to z !         
,program7 "u :i* a f9ancial ag5t        
designat$ by ! ,secret>y or a l>ge      
f9ancial in/itution may s]ve z a m5tor1 
"u guidance or regulations prescrib$ by 
! ,secret>y1 to a small f9ancial        
in/itution to all[ su* small f9ancial   
in/itution-- 7,a7 to be prep>$ to p]=m z
 a f9ancial ag5t2 or  7,b7 to improve   
capacity to provide s]vices to ! cu/om]s
 ( ! small f9ancial in/itution4  7#b7   
,outrea* ,! ,secret>y %all hold outrea* 
ev5ts to promote ! p>ticipation (       
f9ancial ag5ts1 l>ge f9ancial           
in/itutions1 & small f9ancial           
in/itutions 9 ! ,program at lea/ once a 
ye>4  7#c7 ,exclusion ,! ,secret>y %all 
issue guidance or regulations to e/abli%

 a process "u :i* a f9ancial ag5t1 l>ge 
f9ancial in/itution1 or small f9ancial  
in/itution may be exclud$ f p>ticipation
 9 ! ,program4  7#d7 ,report ,! ,(fice (
 ,m9ority & ,wom5 ,inclusion ( !        
,dep>tm5t ( ! ,treasury %all include 9 !
 report submitt$ to ,congress "u section
 #cdb7;e7 ( ! ,dodd-,frank ,wall ,/reet 
,re=m & ,consum] ,protection ,act       
in=mation p]ta9+ to ! ,program1         
includ+-- 7,a7 ! numb] ( f9ancial ag5ts1
 l>ge f9ancial in/itutions1 & small     
f9ancial in/itutions p>ticipat+ 9 su*   
,program2 &  7,b7 ! numb] ( outrea*     
ev5ts describ$ 9 p>agraph 7#b7 held dur+
 ! ye> cov]$ by su* report4  7#e7       
,def9itions ,9 ?is subsection3 7,a7     
,f9ancial ag5t ,! t]m f9ancial ag5t     
means any national bank+ association    
designat$ by ! ,secret>y ( ! ,treasury  
to be employ$ z a f9ancial ag5t ( !     
,gov]nm5t4  7,b7 ,l>ge f9ancial         
in/itution ,! t]m l>ge f9ancial         
in/itution means any entity regulat$ by 
! ,comptroll] ( ! ,curr5cy1 ! ,bo>d (   

,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 !  
,f$]al ,deposit ,insurance ,corporation1
 or ! ,national ,cr$it ,union           
,adm9i/ration t has total consolidat$   
assets great] ?an or equal to           
#ej1jjj1jjj1jjj4  7,c7 ,rural depository
 in/itution ,! t]m rural depository     
in/itution means a depository in/itution
 7z def9$ 9 section #c ( ! ,f$]al       
,deposit ,insurance ,act7-- 7i7 ) total 
consolidat$ assets ( less ?an           
#aj1jjj1jjj1jjj2 &  7ii7 locat$ 9 a     
rural area1 z def9$ "u section          
#ajbf4ce7;b77#b77;iv77,a7 ( title #ab1  
,code ( ,f$]al ,regulations4  7,d7      
,small f9ancial in/itution ,! t]m small 
f9ancial in/itution means-- 7i7 any     
entity regulat$ by ! ,comptroll] ( !    
,curr5cy1 ! ,bo>d ( ,gov]nors ( ! ,f$]al
 ,res]ve ,sy/em1 ! ,f$]al ,deposit      
,insurance ,corporation1 or ! ,national 
,cr$it ,union ,adm9i/ration t has total 
consolidat$ assets less] ?an or equal to
 #b1jjj1jjj1jjj2  7ii7 a m9ority        
depository in/itution2 or  7iii7 a rural

 depository in/itution4  4  7b7         
,effective date ,?is ,act & ! am5dm5t   
made by ?is ,act %all take effect #ij   
days aft] ! date ( ! enactm5t ( ?is     
,act4  ,july #ae1 #bjbe,report$ ) an    
am5dm5t1 committ$ to ! ,committee ( !   
,:ole ,h\se on ! ,/ate ( ! ,union1 &    
ord]$ to be pr9t$