,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #fecf  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,decemb] #i1 #bjbe,mr4
 ,norman introduc$ ! foll[+ bill2 :i* 0 
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to require !      
,f$]al bank+ ag5cies to /udy improv+ !  
gr[?1 capital adequacy1 & pr(itability (
 rural depository in/itutions1 & = o!r  
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,rural ,depositories       
,revitalization ,/udy ,act4  #b4 ,/udy  
on improv+ ! gr[?1 capital adequacy1 &  
pr(itability ( rural depository         
in/itutions  7a7 ,/udy ,! ,f$]al bank+  
ag5cies %all1 jo9tly1 c>ry out a /udy-- 
7#a7 to id5tify me?ods to improve !     
gr[?1 capital adequacy1 & pr(itability (
 depository in/itutions 9 ! ,unit$      
,/ates t prim>ily s]ve rural areas2 &   
7#b7 to id5tify ,f$]al /atutes or       
regulations ( ! ,f$]al bank+ ag5cies t  
limit-- 7,a7 ! me?ods id5tifi$ "u       
p>agraph 7#a72 or  7,b7 ! e/abli%m5t (  
de novo depository in/itutions 9 rural  

areas4  7b7 ,report ,n lat] ?an #f mon?s
 aft] ! date ( enactm5t ( ?is ,act1 !   
,f$]al bank+ ag5cies %all1 jo9tly1 issue
 a report to ,congress conta9+ all f9d+s
 & det]m9ations made 9 c>ry+ out ! /udy 
requir$ "u subsection 7a74  7c7         
,def9itions ,9 ?is section3 7#a7        
,depository in/itution ,! t]m depository
 in/itution has ! mean+ giv5 t t]m 9    
section #c ( ! ,f$]al ,deposit          
,insurance ,act 7#ab ,u4,s4,c4 #ahac74  
7#b7 ,f$]al bank+ ag5cies ,! t]m ,f$]al 
bank+ ag5cies means ! ,bo>d ( ,gov]nors 
( ! ,f$]al ,res]ve ,sy/em1 ! ,comptroll]
 ( ! ,curr5cy1 & ! ,f$]al ,deposit      
,insurance ,corporation4