,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #ebfb  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,septemb] #aj1        
#bjbe,mr4 ,fitzg]ald introduc$ ! foll[+ 
bill2 :i* 0 ref]r$ to ! ,committee on   
,f9ancial ,s]vices  ,a ,,bill  ,to am5d 
! ,f$]al ,deposit ,insurance ,act1 !    
,bank ,hold+ ,company ,act ( #aief1 & ! 
,home ,own]s' ,loan ,act to require !   
consid]ation ( c]ta9 entities & factors 
:5 evaluat+ propos$ acquisitions1 m]g]s1
 consolidations1 assumptions (          
liabilities1 or transf]s ( assets1 & =  
o!r purposes4  #a4 ,%ort title ,?is ,act
 may be cit$ z ! ,bank ,competition     
,mod]nization ,act4  #b4 ,competitive   
factor consid]ations  7a7 ,9 g5]al      
,section #ah7;c7 ( ! ,f$]al ,deposit    
,insurance ,act 7#ab ,u4,s4,c4          
#ahbh7;c77 is am5d$--  7#a7 9 p>agraph  
7#d7-- 7,a7 9 subp>agraph 7,c7--  7i7 9 
clause 7i71 by /rik+ or at ! end'2  7ii7
 9 clause 7ii71 by /rik+ ! p]iod at !   
end & ins]t+ 2 or2 &  7iii7 by add+ at !
 end ! foll[+3  7iii7 if ! propos$      

acquisition1 m]g]1 consolidation1       
assumption ( liabilities1 or transf] (  
assets "u ?is section w\ld result 9 an  
entity ) less ?an #aj1jjj1jjj1jjj 9     
assets4  2 &  7,b7 by add+ at ! end !   
foll[+3  7,d7 ,consid]ations ,:5 compil+
 a report on competitive factors        
relative to insur$ depository           
in/itutions "u ?is p>agraph at ! reque/ 
( ! responsible ag5cy1 ! ,attorney      
,g5]al %all consid] ! bank+ products &  
s]vices (f]$ by ! foll[+ types (        
entities1 includ+ loans & deposits3  7i7
 ,depository in/itutions1 z su* t]m is  
def9$ 9 section #c7;c7 ( ! ,f$]al       
,deposit ,insurance ,act 7#ab ,u4,s4,c4 
#ahac7;c774  7ii7 ,depository in/itution
 hold+ companies1 z su* t]m is def9$ 9  
section #c7w7 ( ! ,f$]al ,deposit       
,insurance ,act 7#ab ,u4,s4,c4          
#ahac7w774  7iii7 ,indu/rial loan       
companies1 indu/rial banks1 or o!r      
simil> in/itutions1 z su* t]m is def9$ 9
 section #b7;c7 ( ! ,bank ,hold+        
,company ,act 7#ab ,u4,s4,c4 #ahda7;c774

  7iv7 ,entities *>t]$ & op]at+ "u !    
,f>m ,cr$it ,act ( #aiga4  7v7 ,nonbank 
f9ancial companies1 z su* t]m is def9$ 9
 section #ajb ( ! ,f9ancial ,/ability   
,act ( #bjaj4  7vi7 ,insur$ cr$it unions
 & non9sur$ cr$it unions1 z su* t]ms are
 def9$ 9 section #aja ( ! ,f$]al ,cr$it 
,union ,act4  2 &  7#b7 by add+ at ! end
 ! foll[+3  7#ad7 ,= propos$            
transactions result+ 9 entities ) less  
?an #aj1jjj1jjj1jjj 9 assets ,if a      
propos$ acquisition1 m]g]1              
consolidation1 assumption ( liabilities1
 or transf] ( assets "u ?is section w\ld
 result 9 an entity ) less ?an          
#aj1jjj1jjj1jjj 9 assets1 !n !          
responsible ag5cy %all f9d t su*        
acquisition1 m]g]1 consolidation1       
assumption ( liabilities1 or transf] (  
assets w\ld n--  7,a7 result 9 a        
monopoly1 or be 9 fur!rance ( any       
comb9ation or conspiracy to monopolize  
or to attempt to monopolize ! bus9ess ( 
bank+ 9 any "p ( ! ,unit$ ,/ates2 &     
7,b7 h ! effect 9 any section ( ! c\ntry

 ( sub/antially to less5+ competition1  
t5d+ to create a monopoly1 or 9 any o!r 
mann] re/ra9+ trade4  4  7b7 ,= bank    
hold+ companies ,section #c7;c7 ( !     
,bank ,hold+ ,company ,act ( #aief 7#ab 
,u4,s4,c4 #ahdb7;c77 is am5d$ by add+ at
 ! end ! foll[+3  7#h7 ,consid]ations ) 
respect to competitive factors ,:5      
evaluat+ competitive factors relative to
 a propos$ acquisition1 m]g]1           
consolidation1 assumption ( liabilities1
 or transf] ( assets1 "u p>agraph 7#a71 
! ,bo>d %all consid] ! bank+ products & 
s]vices (f]$ by ! foll[+ types (        
entities1 includ+ loans & deposits3     
7,a7 ,depository in/itutions1 z su* t]m 
is def9$ 9 section #c7;c7 ( ! ,f$]al    
,deposit ,insurance ,act 7#ab ,u4,s4,c4 
#ahac7;c774  7,b7 ,depository in/itution
 hold+ companies1 z su* t]m is def9$ 9  
section #c7w7 ( ! ,f$]al ,deposit       
,insurance ,act 7#ab ,u4,s4,c4          
#ahac7w774  7,c7 ,indu/rial loan        
companies1 indu/rial banks1 or o!r      
simil> in/itutions1 z su* t]m is def9$ 9

 section #b7;c7 ( ! ,bank ,hold+        
,company ,act 7#ab ,u4,s4,c4 #ahda7;c774
  7,d7 ,entities *>t]$ & op]at+ "u !    
,f>m ,cr$it ,act ( #aiga4  7,e7 ,nonbank
 f9ancial companies1 z su* t]m is def9$ 
9 section #ajb ( ! ,f9ancial ,/ability  
,act ( #bjaj4  7,f7 ,insur$ cr$it unions
 & non9sur$ cr$it unions1 z su* t]ms are
 def9$ 9 section #aja ( ! ,f$]al ,cr$it 
,union ,act4  7#i7 ,= propos$           
transactions result+ 9 entities ) less  
?an #aj1jjj1jjj1jjj 9 assets ,if a      
propos$ acquisition1 m]g]1              
consolidation1 assumption ( liabilities1
 or transf] ( assets "u ?is section w\ld
 result 9 an entity ) less ?an          
#aj1jjj1jjj1jjj 9 assets1 !n ! ,bo>d    
%all f9d t su* acquisition1 m]g]1       
consolidation1 assumption ( liabilities1
 or transf] ( assets w\ld n-- 7,a7      
result 9 a monopoly1 or be 9 fur!rance (
 any comb9ation or conspiracy to        
monopolize or to attempt to monopolize !
 bus9ess ( bank+ 9 any "p ( ! ,unit$    
,/ates2 &  7,b7 h ! effect 9 any section

 ( ! c\ntry ( sub/antially to less5+    
competition1 t5d+ to create a monopoly1 
or 9 any o!r mann] re/ra9+ trade4  4    
7c7 ,= sav+s associations ,section      
#aj7;e77#b7 ( ! ,home ,own]s' ,loan ,act
 is am5d$ by add+ at ! end ! foll[+3    
7#h7 ,consid]ations ) respect to        
competitive factors ,:5 evaluat+        
competitive factors relative to a       
propos$ acquisition1 m]g]1              
consolidation1 assumption ( liabilities1
 or transf] ( assets1 "u p>agraph 7#a71 
! ,bo>d %all consid] ! bank+ products & 
s]vices (f]$ by ! foll[+ types (        
entities1 includ+ loans & deposits3 7,a7
 ,depository in/itutions1 z su* t]m is  
def9$ 9 section #c7;c7 ( ! ,f$]al       
,deposit ,insurance ,act 7#ab ,u4,s4,c4 
#ahac7;c774  7,b7 ,depository in/itution
 hold+ companies1 z su* t]m is def9$ 9  
section #c7w7 ( ! ,f$]al ,deposit       
,insurance ,act 7#ab ,u4,s4,c4          
#ahac7w774  7,c7 ,indu/rial loan        
companies1 indu/rial banks1 or o!r      
simil> in/itutions1 z su* t]m is def9$ 9

 section #b7;c7 ( ! ,bank ,hold+        
,company ,act 7#ab ,u4,s4,c4 #ahda7;c774
  7,d7 ,entities *>t]$ & op]at+ "u !    
,f>m ,cr$it ,act ( #aiga4  7,e7 ,nonbank
 f9ancial companies1 z su* t]m is def9$ 
9 section #ajb ( ! ,f9ancial ,/ability  
,act ( #bjaj4  7,f7 ,insur$ cr$it unions
 & non9sur$ cr$it unions1 z su* t]ms are
 def9$ 9 section #aja ( ! ,f$]al ,cr$it 
,union ,act4  7#i7 ,= propos$           
transactions result+ 9 entities ) less  
?an #aj1jjj1jjj1jjj 9 assets ,if a      
propos$ acquisition1 m]g]1              
consolidation1 assumption ( liabilities1
 or transf] ( assets "u ?is section w\ld
 result 9 an entity ) less ?an          
#aj1jjj1jjj1jjj 9 assets1 !n ! ,bo>d    
%all f9d t su* acquisition1 m]g]1       
consolidation1 assumption ( liabilities1
 or transf] ( assets w\ld n--  7,a7     
result 9 a monopoly1 or be 9 fur!rance (
 any comb9ation or conspiracy to        
monopolize or to attempt to monopolize !
 bus9ess ( bank+ 9 any "p ( ! ,unit$    
,/ates2 &  7,b7 h ! effect 9 any section

 ( ! c\ntry ( sub/antially to less5+    
competition1 t5d+ to create a monopoly1 
or 9 any o!r mann] re/ra9+ trade4  4