,,ib ,union ,cal5d> ,no4 #cag #aai?     
,,congress  #a/ ,session  ,h4 ,r4 #ebfb 
,report ,no4 #aai-cfe ,,9 ,,! ,,h\se ,,(
 ,,repres5tatives  ,septemb] #aj1       
#bjbe,mr4 ,fitzg]ald introduc$ ! foll[+ 
bill2 :i* 0 ref]r$ to ! ,committee on   
,f9ancial ,s]vices  ,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    
,septemb] #aj1 #bjbe  ,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#d77;,c7-- 7,a7 9 clause 7i71 by /rik+ 
or at ! end2  7,b7 9 clause 7ii71 by    
/rik+ ! p]iod at ! end & ins]t+ 2 or2 & 
7,c7 by add+ at ! end ! foll[+3  7iii7 !
 propos$ m]g] transaction w\ld result 9 
an entity ) less ?an #aj1jjj1jjj1jjj 9  
assets4  2 &  7#b7 by add+ at ! end !   
foll[+3  7#ad7 ,= m]g] transactions     
result+ 9 in/itutions ) less ?an        
#aj1jjj1jjj1jjj 9 assets  7,a7 ,9 g5]al 
,not)/&+ p>agraph 7#e71 if a propos$    
m]g] transaction w\ld result 9 an       
in/itution ) less ?an #aj1jjj1jjj1jjj 9 
assets1 !n ! responsible ag5cy %all n   
consid] :e!r su* m]g] transaction w\ld--
 7i7 result 9 a monopoly1 or w\ld be 9  
fur!rance ( any comb9ation or conspiracy
 to monopolize or to attempt to         
monopolize ! bus9ess ( bank+ 9 any "p ( 
! ,unit$ ,/ates2 &  7ii7 h ! effect 9   
any section ( ! c\ntry ( sub/antially   
less5+ competition1 t5d+ to create a    

monopoly1 or 9 any o!r mann] re/ra9+    
trade4  7,b7 ,?re%old adju/m5t  7i7 ,9  
g5]al ,at ! end ( ea* ye> = :i* ! nom9al
 gross dome/ic product ( ! ,unit$ ,/ates
 increases 7a cov]$ ye>71 ! ,corporation
 %all adju/ ! doll> figures describ$ 9  
subp>agraph 7,a7 & p>agraph             
7#d77;,c77iii7 by a p]c5tage equal to ! 
p]c5tage increase 7if any7 betwe5-- 7,i7
 ! nom9al gross dome/ic product ( !     
,unit$ ,/ates = ! ye>1 dur+ ! prec$+ #e 
ye>s1 ) respect to :i* ! nom9al gross   
dome/ic product ( ! ,unit$ ,/ates 0 !   
highe/2 &  7,,ii7 ! nom9al gross dome/ic
 product ( ! ,unit$ ,/ates = ! cov]$    
ye>4  7ii7 ,det]m9ation ( ,,gdp ,9 ?is  
p>agraph1 ! ,corporation %all use nom9al
 gross dome/ic product /ati/ics det]m9$ 
by ! ,bureau ( ,economic ,analysis4  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 ,=    
propos$ transactions result+ 9 companies
 ) less ?an #aj1jjj1jjj1jjj 9 assets    

7,a7 ,9 g5]al ,not)/&+ p>agraph 7#a71 if
 a propos$ acquisition1 m]g]1 or        
consolidation "u ?is section w\ld result
 9 a company ) less ?an #aj1jjj1jjj1jjj 
9 assets1 !n ! ,bo>d %all n consid] :e!r
 su* acquisition1 m]g]1 or consolidation
 w\ld-- 7i7 result 9 a monopoly1 or w\ld
 be 9 fur!rance ( any comb9ation or     
conspiracy to monopolize or to attempt  
to monopolize ! bus9ess ( bank+ 9 any "p
 ( ! ,unit$ ,/ates2 &  7ii7 h ! effect 9
 any section ( ! c\ntry ( sub/antially  
less5+ competition1 t5d+ to create a    
monopoly1 or 9 any o!r mann] re/ra9+    
trade4  7,b7 ,?re%old adju/m5t  7i7 ,9  
g5]al ,at ! end ( ea* ye> = :i* ! nom9al
 gross dome/ic product ( ! ,unit$ ,/ates
 increases 7a cov]$ ye>71 ! ,bo>d %all  
adju/ ! doll> figure describ$ 9         
subp>agraph 7,a7 by a p]c5tage equal to 
! p]c5tage increase 7if any7 betwe5--   
7,i7 ! nom9al gross dome/ic product ( ! 
,unit$ ,/ates = ! ye>1 dur+ ! prec$+ #e 
ye>s1 ) respect to :i* ! nom9al gross   
dome/ic product ( ! ,unit$ ,/ates 0 !   

highe/2 &  7,,ii7 ! nom9al gross dome/ic
 product ( ! ,unit$ ,/ates = ! cov]$    
ye>4  7ii7 ,det]m9ation ( ,,gdp ,9 ?is  
p>agraph1 ! ,bo>d %all use nom9al gross 
dome/ic product /ati/ics det]m9$ by !   
,bureau ( ,economic ,analysis4  4  7c7  
,= sav+s & loan hold+ companies ,section
 #aj7;e7 ( ! ,home ,own]s' ,loan ,act   
7#ab ,u4,s4,c4 #adfg;a7e77 is am5d$ by  
add+ at ! end ! foll[+3  7#h7 ,= propos$
 transactions result+ 9 companies ) less
 ?an #aj1jjj1jjj1jjj 9 assets  7,a7 ,9  
g5]al ,not)/&+ subp>agraphs 7,a7 & 7,b7 
( p>agraph 7#b71 if a propos$           
transaction "u ?is section w\ld result 9
 a company ) less ?an #aj1jjj1jjj1jjj 9 
assets1 !n ! ,bo>d %all n consid] :e!r !
 transaction w\ld-- 7i7 result 9 a      
monopoly1 or w\ld be 9 fur!rance ( any  
comb9ation or conspiracy to monopolize  
or to attempt to monopolize ! sav+s &   
loan bus9ess 9 any "p ( ! ,unit$ ,/ates2
 &  7ii7 h ! effect 9 any section ( !   
c\ntry ( sub/antially less5+            
competition1 t5d+ to create a monopoly1 

or 9 any o!r mann] re/ra9+ trade4  7,b7 
,?re%old adju/m5t  7i7 ,9 g5]al ,at !   
end ( ea* ye> = :i* ! nom9al gross      
dome/ic product ( ! ,unit$ ,/ates       
increases 7a cov]$ ye>71 ! ,bo>d %all   
adju/ ! doll> figure describ$ 9         
subp>agraph 7,a7 by a p]c5tage equal to 
! p]c5tage increase 7if any7 betwe5--   
7,i7 ! nom9al gross dome/ic product ( ! 
,unit$ ,/ates = ! ye>1 dur+ ! prec$+ #e 
ye>s1 ) respect to :i* ! nom9al gross   
dome/ic product ( ! ,unit$ ,/ates 0 !   
highe/2 &  7,,ii7 ! nom9al gross dome/ic
 product ( ! ,unit$ ,/ates = ! cov]$    
ye>4  7ii7 ,det]m9ation ( ,,gdp ,9 ?is  
p>agraph1 ! ,bo>d %all use nom9al gross 
dome/ic product /ati/ics det]m9$ by !   
,bureau ( ,economic ,analysis4  4       
,novemb] #d1 #bjbe,report$ ) an am5dm5t1
 committ$ to ! ,committee ( ! ,:ole     
,h\se on ! ,/ate ( ! ,union1 & ord]$ to 
be pr9t$