,,ib ,union ,cal5d> ,no4 #djd #aai?     
,,congress  #b;d ,session  ,h4 ,r4 #fecf
 ,report ,no4 #aai-dgc ,,9 ,,! ,,h\se   
,,( ,,repres5tatives  ,decemb] #i1      
#bjbe,mr4 ,norman introduc$ ! foll[+    
bill2 :i* 0 ref]r$ to ! ,committee on   
,f9ancial ,s]vices  ,febru>y #b1        
#bjbf;,additional sponsors3 ,mr4 ,rose1 
,mr4 ,got!im]1 & ,mr4 ,moore ( ,nor?    
,c>ol9a  ,febru>y #b1 #bjbf,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 ,decemb] #i1 
#bjbe  ,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$]al /atutes 7o!r ?an 
appropriations ,acts7 or regulations ( !
 ,f$]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 #a ye> 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  7#c7 ,rural ,)
 respect to an area1 ! t]m rural has !  
mean+ giv5 t t]m 9 section              
#ajbf4ce7;b77#b77;iv77,a7 ( title #ab1  
,code ( ,f$]al ,regulations4  ,febru>y  
#b1 #bjbf,report$ ) an am5dm5t1 committ$
 to ! ,committee ( ! ,:ole ,h\se on !   
,/ate ( ! ,union1 & ord]$ to be pr9t$