,,ib ,union ,cal5d> ,no4 #cai #aai?     
,,congress  #a/ ,session  ,h4 ,r4 #ebgf 
,report ,no4 #aai-cfg ,,9 ,,! ,,h\se ,,(
 ,,repres5tatives  ,septemb] #aj1       
#bjbe,mrs4 ,kim 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 ! ,economic ,gr[?1 ,regulatory     
,relief1 & ,consum] ,protection ,act to 
adju/ ! ,community ,bank ,lev]age       
,ratio1 & = o!r purposes4  #a4 ,%ort    
title ,?is ,act may be cit$ z !         
,community ,bank ,lev]age ,improvem5t & 
,flexibility = ,transp>5cy ,act or !    
,community ,bank ,,lift ,act4  #b4      
,community ,bank ,lev]age ,ratio  7a7 ,9
 g5]al ,section #bja ( ! ,economic      
,gr[?1 ,regulatory ,relief1 & ,consum]  

,protection ,act 7#ab ,u4,s4,c4 #ecga   
note7 is am5d$-- 7#a7 9 subsection      
7a77#c77;,a71 by /rik+ #aj1jjj1jjj1jjj &
 ins]t+ #ae1jjj1jjj1jjj2 &  7#b7 9      
subsection 7b77#a71 by /rik+ n less ?an 
#h p]c5t & n m ?an #aj p]c5t & ins]t+ n 
less ?an #f p]c5t & n m ?an #h p]c5t4   
7b7 ,rulemak+ deadl9e ,n lat] ?an ! end 
( ! #ahj-;day p]iod beg9n+ on ! date (  
enactm5t ( ?is ,act1 & aft] review+ !   
report issu$ pursuant to section #c7;b71
 ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve 
,sy/em1 ! ,comptroll] ( ! ,curr5cy1 & ! 
,f$]al ,deposit ,insurance ,corporation 
%all propose &1 n lat] ?an #a ye> aft] !
 date ( ! enactm5t ( ?is ,act1 su*      
ag5cies %all f9alize rules to c>ry out !
 am5dm5ts made by subsection 7a7 & !    
recomm5d$ modifications conta9$ 9 su*   
report4  #c4 ,review ( ! ,community     
,bank ,lev]age ,ratio  7a7 ,9 g5]al ,!  
,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve    
,sy/em1 ! ,comptroll] ( ! ,curr5cy1 & ! 
,f$]al ,deposit ,insurance ,corporation 
%all comm5ce a review ( ! ,community    

,bank ,lev]age ,ratio 7,,cblr7 develop$ 
"u section #bja ( ! ,economic ,gr[?1    
,regulatory ,relief1 & ,consum]         
,protection ,act 7#ab ,u4,s4,c4 #ecga   
note71 & rules issu$ !reund]1 :i* %all  
include a consid]ation ( h[ to modify & 
calibrate ! ,,cblr to enc\rage m        
qualify+ community banks to opt-9 to !  
,,cblr framework1 ) an additional focus 
on-- 7#a7 ^? qualify+ community banks ) 
few] assets2 &  7#b7 provid+ regulatory 
compliance burd5 relief s t ! ,,cblr is 
simple to apply4  7b7 ,report ,n lat]   
?an ! end ( ! #aej-;day p]iod beg9n+ on 
! date ( enactm5t ( ?is ,act1 ! ,bo>d ( 
,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 !  
,comptroll] ( ! ,curr5cy1 & ! ,f$]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+-- 7#a7 all f9d+s &       
det]m9ations made 9 c>ry+ out ! review  
"u subsection 7a72 &  7#b7 specific     

recomm5dations on modifications1 if any1
 to-- 7,a7 ! calculation ( ! num]ator & 
d5om9ator ( ! ,,cblr2  7,b7 ! treatm5t (
 specific asset classes or exposures to 
bett] reflect ! risk pr(iles ( community
 banks2  7,c7 ! def9ition ( & qualify+  
crit]ia = a qualify+ community bank2    
7,d7 enhancem5ts to ! proc$ures = opt+  
into or out ( ! ,,cblr framework1       
includ+ /reaml9$ report+ & transition   
me*anisms2  7,e7 ! grace p]iod to       
facilitate ! transition to & f a modifi$
 ,,cblr regime2 &  7,f7 any /atutory    
*anges t may be ne$$ to address su*     
recomm5dations4  7c7 ,qualify+ community
 bank def9$ ,9 ?is section1 ! t]m       
qualify+ community bank has ! mean+ giv5
 t t]m 9 section #bja7;a77#c77;,a7 ( !  
,economic ,gr[?1 ,regulatory ,relief1 & 
,consum] ,protection ,act 7#ab ,u4,s4,c4
 #ecga note74  ,novemb] #d1             
#bjbe,report$ ) an am5dm5t1 committ$ to 
! ,committee ( ! ,:ole ,h\se on ! ,/ate 
( ! ,union1 & ord]$ to be pr9t$