,i  #aaith ,,congress  #ast ,session    
,h4 ,r4 #fecf  ,,in ,,the ,,house ,,of  
,,representatives  ,december #i1        
#bjbe,mr4 ,norman introduced the        
following bill2 which was referred to   
the ,committee on ,financial ,services  
,a ,,bill  ,to require the ,federal     
banking agencies to study improving the 
growth1 capital adequacy1 and           
profitability of rural depository       
institutions1 and for other purposes4   
#a4 ,short title ,this ,act may be cited
 as the ,rural ,depositories            
,revitalization ,study ,act4  #b4 ,study
 on improving the growth1 capital       
adequacy1 and profitability of rural    
depository institutions  7a7 ,study ,the
 ,federal banking agencies shall1       
jointly1 carry out a study-- 7#a7 to    
identify methods to improve the growth1 
capital adequacy1 and profitability of  
depository institutions in the ,united  
,states that primarily serve rural      
areas2 and  7#b7 to identify ,federal   
statutes or regulations of the ,federal 

banking agencies that limit-- 7,a7 the  
methods identified under paragraph 7#a72
 or  7,b7 the establishment of de novo  
depository institutions in rural areas4 
7b7 ,report ,not later than #f months   
after the date of enactment of this     
,act1 the ,federal banking agencies     
shall1 jointly1 issue a report to       
,congress containing all findings and   
determinations made in carrying out the 
study required under subsection 7a74    
7c7 ,definitions ,in this section3 7#a7 
,depository institution ,the term       
depository institution has the meaning  
given that term in section #c of the    
,federal ,deposit ,insurance ,act 7#ab  
,u4,s4,c4 #ahac74  7#b7 ,federal banking
 agencies ,the term ,federal banking    
agencies means the ,board of ,governors 
of the ,federal ,reserve ,system1 the   
,comptroller of the ,currency1 and the  
,federal ,deposit ,insurance            
,corporation4