,i #aai? ,,congress #a/ ,session ,h4 ,r4 #fed ,,9 ,,! ,,h\se ,,( ,,repres5tatives ,janu>y #bc1 #bjbe,mr4 ,b>r introduc$ ! foll[+ bill2 :i* 0 ref]r$ to ! ,committee on ,f9ancial ,s]vices ,a ,,bill ,to *ange ! ,bureau ( ,consum] ,f9ancial ,protection into an indep5d5t ag5cy nam$ ! ,consum] ,f9ancial ,emp[]m5t ,ag5cy1 to transition ! ,ag5cy to ! regul> appropriations process1 & = o!r purposes4 #a4 ,%ort title ,?is ,act may be cit$ z ! ,tak+ ,acc\nt ( ,bureaucrats' ,sp5d+ ,act ( #bjbe or ! ,,tabs ,act ( #bjbe4 #b4 ,consum] ,f9ancial ,emp[]m5t ,ag5cy 7a7 ,mak+ ! ,bureau an indep5d5t ,consum] ,f9ancial ,emp[]m5t ,ag5cy ,! ,consum] ,f9ancial ,protection ,act ( #bjaj 7#ab ,u4,s4,c4 #edha et seq47 is am5d$-- 7#a7 9 section #ajaa-- 7,a7 9 ! head+ ( su* section1 by /rik+ ,,bureau ,,( ,,consum] ,,f9ancial ,,protection & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 7,b7 9 subsection 7a7-- 7i7 9 ! head+ ( su* subsection1 by /rik+ ,bureau & ins]t+ ,ag5cy2 7ii7 by /rik+ 9 ! ,f$]al ,res]ve ,sy/em12 7iii7 by /rik+ indep5d5t bureau & ins]t+ indep5d5t ag5cy2 & 7iv7 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy 7h]e9aft] 9 ?is section ref]r$ to z ! ,ag5cy72 7,c7 9 subsection 7b77#e71 by am5d+ subp>agraph 7,a7 to read z foll[s3 7,a7 %all be appo9t$ by ! ,presid5t2 & 2 7,d7 9 subsection 7c71 by /rik+ p>agraph 7#c72 7,e7 9 subsection 7e71 by /rik+ 1 includ+ 9 cities 9 :i* ! ,f$]al res]ve banks1 or bran*es ( su* banks1 are locat$12 & 7,f7 by /rik+ ,bureau ea* place su* t]m appe>s & ins]t+ ,ag5cy2 & 7#b7 9 section #ajab-- 7,a7 9 subsection 7a77#aj71 by /rik+ exam9ations12 & 7,b7 by /rik+ subsection 7c74 7b7 ,deem+ ( "n ,any ref]5ce 9 a law1 regulation1 docum5t1 pap]1 or o!r record ( ! ,unit$ ,/ates to ! ,bureau ( ,consum] ,f9ancial ,protection %all be deem$ a ref]5ce to ! ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 7c7 ,con=m+ am5dm5ts 7#a7 ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act ,! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act 7#ab ,u4,s4,c4 #ecja et seq47 is am5d$-- 7,a7 9 ! table ( cont5ts 9 section #a7;b7-- 7i7 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection ea* place su* t]m appe>s & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 & 7ii7 9 ! table ( cont5ts relat+ to title ,x1 9 ! items relat+ to subtitle ,b1 subtitle ,c1 & section #ajbg1 by /rik+ ,bureau ea* place su* t]m appe>s & ins]t+ ,ag5cy2 7,b7 9 section #b1 by am5d+ p>agraph 7#d7 to read z foll[s3 7#d7 ,ag5cy ,! t]m ,ag5cy means ! ,consum] ,f9ancial ,emp[]m5t ,ag5cy e/abli%$ "u title ,x4 2 7,c7 9 section #cdb by /rik+ ,bureau ea* place su* t]m appe>s 9 head+s & text & ins]t+ ,ag5cy2 7,d7 9 section #adjj7;b7-- 7i7 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 & 7ii7 9 ! subsection head+1 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 7,e7 9 section #adaa7;a77#a71 by /rik+ ,bureau & ins]t+ ,ag5cy2 & 7,f7 9 section #addg1 by /rik+ ,director ( ! ,bureau ea* place su* t]m appe>s & ins]t+ ,director ( ! ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 7#b7 ,alt]native ,mortgage ,transaction ,p>ity ,act ( #aihb ,! ,alt]native ,mortgage ,transaction ,p>ity ,act ( #aihb 7#ab ,u4,s4,c4 #chja et seq47 is am5d$-- 7,a7 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection ea* place su* t]m appe>s & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 & 7,b7 9 ! subsection head+ ( subsection 7d7 ( section #hjd 7#ab ,u4,s4,c4 #chjc7;d771 by /rik+ ,bureau & ins]t+ ,ag5cy4 7#c7 ,electronic ,fund ,transf] ,act ,! ,electronic ,fund ,transf] ,act 7#ae ,u4,s4,c4 #afic et seq47 is am5d$-- 7,a7 by am5d+ ! second p>agraph 7#d7 7def9+ ! t]m ,bureau7 to read z foll[s3 7#d7 ! t]m ,ag5cy means ! ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 2 7,b7 9 section #iaf7;d77#a71 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 & 7,c7 by /rik+ ,bureau ea* place t t]m appe>s 9 head+ or text & ins]t+ ,ag5cy4 7#d7 ,equal ,cr$it ,opportunity ,act ,! ,equal ,cr$it ,opportunity ,act 7#ae ,u4,s4,c4 #afia et seq47 is am5d$-- 7,a7 9 section #gjb 7#ae ,u4,s4,c4 #afia;a71 by am5d+ subsection 7c7 to read z foll[s3 7c7 ,! t]m ,ag5cy means ! ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 2 & 7,b7 by /rik+ ,bureau ea* place t t]m appe>s 9 head+ or text & ins]t+ ,ag5cy4 7#e7 ,exp$it$ ,funds ,availability ,act ,! ,exp$it$ ,funds ,availability ,act 7#ab ,u4,s4,c4 #djja et seq47 is am5d$-- 7,a7 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection ea* place su* t]m appe>s & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 & 7,b7 9 ! head+ ( section #fje7;f77#a71 by /rik+ bo>d & bureau & ins]t+ ,bo>d & ,ag5cy4 7#f7 ,fair & ,accurate ,cr$it ,transactions ,act ( #bjjc ,! ,fair & ,accurate ,cr$it ,transactions ,act ( #bjjc 7,public ,law #ajh-aei7 is am5d$ by /rik+ ,bureau ea* place su* t]m appe>s 9 head+ & text & ins]t+ ,ag5cy4 7#g7 ,fair ,cr$it ,report+ ,act ,! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha et seq47 is am5d$-- 7,a7 by am5d+ section #fjc7w7 to read z foll[s3 7w7 ,ag5cy ,! t]m ,ag5cy means ! ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 2 & 7,b7 by /rik+ ,bureau ea* place su* t]m appe>s1 o!r ?an 9 sections #fbf & #fjc7v71 & ins]t+ ,ag5cy4 7#h7 ,fair ,debt ,collection ,practices ,act ,! ,fair ,debt ,collection ,practices ,act 7#ae ,u4,s4,c4 #afib et seq47 is am5d$-- 7,a7 by am5d+ section #hjc7a7 to read z foll[s3 7#a7 ,! t]m ,ag5cy means ! ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 2 & 7,b7 by /rik+ ,bureau ea* place su* t]m appe>s 9 head+ or text & ins]t+ ,ag5cy4 7#i7 ,f$]al ,deposit ,insurance ,act ,! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahaa et seq47 is am5d$-- 7,a7 9 ! second p>agraph 7#f7 7) ! head+ ,ref]ral to bureau ( consum] f9ancial protection7 ( section #h7t7 7#ab ,u4,s4,c4 #ahah7t77-- 7i7 9 ! p>agraph head+1 by /rik+ bureau ( consum] f9ancial protection2 & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 & 7ii7 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 7,b7 by am5d+ clause 7vi7 ( section #aa7t77#b77;,a7 7#ab ,u4,s4,c4 #ahba7t77#b77;,a77vi77 to read z foll[s3 7vi7 ,! ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 2 7,c7 9 section #ah7x7 7#ab ,u4,s4,c4 #ahbh7x771 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection ea* place su* t]m appe>s & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 7,d7 by /rik+ ,bureau ea* place su* t]m appe>s & ins]t+ ,ag5cy2 & 7,e7 9 section #dc7;e7 7#ab ,u4,s4,c4 #ahcat7e771 by am5d+ p>agraph 7#e7 to read z foll[s3 7#e7 ,ag5cy ,! t]m ,ag5cy means ! ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 4 7#aj7 ,f$]al ,f9ancial ,in/itutions ,exam9ation ,c\ncil ,act ( #aigh ,! ,f$]al ,f9ancial ,in/itutions ,exam9ation ,c\ncil ,act ( #aigh 7#ab ,u4,s4,c4 #ccja et seq47 is am5d$-- 7,a7 9 section #ajjd7;a77#d71 by /rik+ ,consum] ,f9ancial ,protection ,bureau & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 & 7,b7 9 section #ajaa1 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 7#aa7 ,f9ancial ,in/itutions ,re=m1 ,recov]y1 & ,en=cem5t ,act ( #aihi ,! ,f9ancial ,in/itutions ,re=m1 ,recov]y1 & ,en=cem5t ,act ( #aihi 7,public ,law #aja-gc2 #ajc ,/at4 #ahc7 is am5d$-- 7,a7 9 section #aaab7;b7 7#ab ,u4,s4,c4 #ccda71 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 7,b7 9 section #aabd 7#ab ,u4,s4,c4 #ccec71 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection ea* place su* t]m appe>s & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 7,c7 9 section #aabe 7#ab ,u4,s4,c4 #cced71 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection ea* place su* t]m appe>s & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 & 7,d7 9 section #abjf7;a7 7#ab ,u4,s4,c4 #ahcc;b7a771 by /rik+ ,f$]al ,h\s+ ,f9ance ,bo>d & all t foll[s ?r\gh ,f>m ,cr$it ,adm9i/ration & ins]t+ ,f$]al ,h\s+ ,f9ance ,ag5cy1 ! ,consum] ,f9ancial ,emp[]m5t ,ag5cy1 & ! ,f>m ,cr$it ,adm9i/ration4 7#ab7 ,f9ancial ,lit]acy & ,education ,improvem5t ,act ,section #eac ( ! ,f9ancial ,lit]acy & ,education ,improvem5t ,act 7#bj ,u4,s4,c4 #igjb7 is am5d$ by /rik+ ,bureau ( ,consum] ,f9ancial ,protection ea* place su* t]m appe>s & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 7#ac7 ,gramm-lea*-bliley ,act ,title ,v ( ! ,gramm-,lea*-,bliley ,act 7#ae ,u4,s4,c4 #fhja et seq47 is am5d$-- 7,a7 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection ea* place su* t]m appe>s & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 & 7,b7 9 section #eje7;a77#h7 7#ae ,u4,s4,c4 #fhje7;a77#h771 by /rik+ ,bureau & ins]t+ ,ag5cy4 7#ad7 ,home ,mortgage ,disclosure ,act ( #aige ,! ,home ,mortgage ,disclosure ,act ( #aige 7#ab ,u4,s4,c4 #bhja et seq47 is am5d$-- 7,a7 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection ea* place su* t]m appe>s & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 7,b7 by /rik+ ,bureau ea* place su* t]m appe>s & ins]t+ ,ag5cy2 & 7,c7 9 section #cjc1 by am5d+ p>agraph 7#a7 to read z foll[s3 7#a7 ! t]m ,ag5cy means ! ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 4 7#ae7 ,home[n]s ,protection ,act ( #aiih ,section #aj7;a77#d7 ( ! ,home[n]s ,protection ,act ( #aiih 7#ab ,u4,s4,c4 #diji7;a77#d77 is am5d$ by /rik+ ,bureau ( ,consum] ,f9ancial ,protection & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 7#af7 ,home ,own]%ip & ,equity ,protection ,act ( #aiid ,section #aeh7;a7 ( ! ,home ,own]%ip & ,equity ,protection ,act ( #aiid 7#ae ,u4,s4,c4 #afja note7 is am5d$ by /rik+ ,bureau & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 7#ag7 ,int]/ate ,l& ,sales ,full ,disclosure ,act ,! ,int]/ate ,l& ,sales ,full ,disclosure ,act 7#ab ,u4,s4,c4 #agja et seq47 is am5d$-- 7,a7 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection ea* place su* t]m appe>s & ins]t+ ,ag5cy2 7,b7 9 section #adjb1 by am5d+ p>agraph 7#ab7 to read z foll[s3 7#ab7 ,ag5cy means ! ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 2 & 7,c7 9 section #adaf1 by /rik+ ,bureau ea* place su* t]m appe>s & ins]t+ ,ag5cy4 7#ah7 ,real ,e/ate ,settlem5t ,proc$ures ,act ( #aigd ,! ,real ,e/ate ,settlem5t ,proc$ures ,act ( #aigd 7#ab ,u4,s4,c4 #bfja et seq47 is am5d$-- 7,a7 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection ea* place su* t]m appe>s & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 7,b7 by /rik+ ,bureau ea* place su* t]m appe>s & ins]t+ ,ag5cy2 & 7,c7 9 section #c1 by am5d+ p>agraph 7#i7 to read z foll[s3 7#i7 ! t]m ,ag5cy means ! ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 4 7#ai7 ,revis$ ,/atues ( ! ,unit$ ,/ates ,section #eacf;,c7b77#c77;,b7 ( ! ,revis$ ,/atutes ( ! ,unit$ ,/ates 7#ab ,u4,s4,c4 #be;b7b77#c77;,b77 is am5d$ by /rik+ ,bureau ( ,consum] ,f9ancial ,protection & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 7#bj7 ,"r to ,f9ancial ,privacy ,act ( #aigh ,! ,"r to ,f9ancial ,privacy ,act ( #aigh 7#ab ,u4,s4,c4 #cdja et seq47 is am5d$-- 7,a7 by am5d+ subp>agraph 7,b7 ( section #aaja7g7 7#ab ,u4,s4,c4 #cdja7g77;,b77 to read z foll[s3 7,b7 ! ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 2 & 7,b7 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection ea* place su* t]m appe>s 9 head+ or text & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 7#ba7 ,s4,a4,f4,e4 ,mortgage ,lic5s+ ,act ( #bjjh ,! ,s4,a4,f4,e4 ,mortgage ,lic5s+ ,act ( #bjjh 7#ab ,u4,s4,c4 #eaja et seq47 is am5d$-- 7,a7 9 section #aejg1 by /rik+ ,bureau1 & ! ,bureau ( ,consum] ,f9ancial ,protection ea* place su* t]m appe>s & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 7,b7 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection ea* place su* t]m appe>s & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 7,c7 by /rik+ ,bureau ea* place su* appe>s1 o!r ?an 9 sections #aeje7;a77#a71 #aejg7;a77#b77;,a71 & #aeaa7;b71 & ins]t+ ,ag5cy2 7,d7 9 section #aejc1 by am5d+ p>agraph 7#a7 to read z foll[s3 7#a7 ,ag5cy ,! t]m ,ag5cy means ! ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 2 7,e7 9 ! head+ ( section #aejh1 by /rik+ ,,bureau ,,( ,,consum] ,,f9ancial ,,protection & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 & 7,f7 9 ! head+ ( section #aead1 by /rik+ ,,bureau & ins]t+ ,,ag5cy4 7#bb7 ,telem>ket+ & ,consum] ,fraud & ,abuse ,prev5tion ,act ,! ,telem>ket+ & ,consum] ,fraud & ,abuse ,prev5tion ,act 7#ae ,u4,s4,c4 #faja et seq47 is am5d$ by /rik+ ,bureau ( ,consum] ,f9ancial ,protection ea* place su* t]m appe>s 9 head+ or text & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 7#bc7 ,title #e1 ,unit$ ,/ates ,code ,title #e1 ,unit$ ,/ates ,code1 is am5d$-- 7,a7 9 section #eeb;a7w7-- 7i7 9 ! subsection head+1 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 & 7ii7 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 7,b7 9 section #fji7;d77#b71 by /rik+ ,consum] ,f9ancial ,protection ,bureau ( ! ,f$]al ,res]ve ,sy/em & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy2 & 7,c7 9 section #cacb7;a77#a77;,d71 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 7#bd7 ,title #aj1 ,unit$ ,/ates ,code 7,a7 ,section #ihg ,section #ihg7;h77#c77;,e7 ( title #aj1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ ,bureau ( ,consum] ,f9ancial ,protection & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 7,b7 ,,ndaa ,,fy #bjae ,section #eeg7;a7 ( ! ,c>l ,lev9 & ,h[>d ,p4 ,buck ,mc,keon ,national ,def5se ,au?orization ,act = ,fiscal ,ye> #bjae 7,public ,law #aac-bi2 #abh ,/at4 #ccha2 #aj ,u4,s4,c4 #aadd note71 is am5d$ by /rik+ ,consum] ,f9ancial ,protection ,bureau ea* place su* t]m appe>s & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 7#be7 ,title #dd1 ,unit$ ,/ates ,code ,title #dd1 ,unit$ ,/ates ,code1 is am5d$-- 7,a7 9 section #cejb7e71 by /rik+ ! ,bureau ( ,consum] ,f9ancial ,protection12 & 7,b7 9 section #ceac7;c71 by /rik+ ,bureau ( ,consum] ,f9ancial ,protection & ins]t+ ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 7#bf7 ,tru? 9 ,l5d+ ,act ,! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afja et seq47 is am5d$-- 7,a7 by am5d+ section #ajc7;b7 7#ae ,u4,s4,c4 #afjb7;b77 to read z foll[s3 7b7 ,ag5cy ,! t]m ,ag5cy means ! ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 2 7,b7 by am5d+ section #ajc7;c7 7#ae ,u4,s4,c4 #afjb7;c77 to read z foll[s3 7c7 ,bo>d ,! t]m ,bo>d means ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em4 2 7,c7 9 section #abh7;f7 7#ae ,u4,s4,c4 #afch7;f771 by /rik+ ,bo>d ea* place su* t]m appe>s & ins]t+ ,ag5cy2 7,d7 9 sections #abi;,b 7#ae ,u4,s4,c4 #afci;b7 & #abi;,c 7#ae ,u4,s4,c4 #afci;c71 by /rik+ ,bo>d ea* place su* t]m appe>s & ins]t+ ,ag5cy2 7,e7 9 section #adj;,a 7#ae ,u4,s4,c4 #afea71 by /rik+ 9 consultation ) ! ,bureau & ins]t+ 9 consultation ) ! ,f$]al ,trade ,commission2 7,f7 by /rik+ ,bureau ea* place su* t]m appe>s 9 head+ or text & ins]t+ ,ag5cy2 & 7,g7 by /rik+ bureau & ins]t+ ,ag5cy 9 ! p>agraph head+s =-- 7i7 section #abb7;d77#b7 7#ae ,u4,s4,c4 #afcb7;d77#b772 7ii7 section #abg7;c77#e7 7#ae ,u4,s4,c4 #afcg7;c77#e772 7iii7 section #abg7r77#c7 7#ae ,u4,s4,c4 #afcg7r77#c772 & 7iv7 section #abg;,a7a77#ad7 7#ae ,u4,s4,c4 #afcg;a7a77#ad774 7#bg7 ,tru? 9 ,sav+s ,act ,! ,tru? 9 ,sav+s ,act 7#ab ,u4,s4,c4 #dcja et seq47 is am5d$-- 7,a7 by am5d+ p>agraph 7#d7 ( section #bgd 7#ab ,u4,s4,c4 #dcac7d77 to read z foll[s3 7#d7 ,ag5cy ,! t]m ,ag5cy means ! ,consum] ,f9ancial ,emp[]m5t ,ag5cy4 2 7,b7 by /rik+ ,national ,cr$it ,union ,adm9i/ration ,bureau ea* place su* t]m appe>s & ins]t+ ,national ,cr$it ,union ,adm9i/ration ,bo>d2 & 7,c7 by /rik+ ,bureau ea* place su* t]m appe>s & ins]t+ ,ag5cy1 except 9 section #bcc7;b77#d77;,b74 #c4 ,br++ ! ,ag5cy into ! regul> appropriations process ,section #ajag ( ! ,consum] ,f9ancial ,protection ,act ( #bjaj 7#ab ,u4,s4,c4 #edig7 is am5d$-- 7#a7 9 subsection 7a7-- 7,a7 by am5d+ ! head+ ( su* subsection to read z foll[s3 ,budget1 f9ancial managem5t1 & audit4--2 7,b7 by /rik+ p>agraphs 7#a71 7#b71 & 7#c72 7,c7 by r$esignat+ p>agraphs 7#d7 & 7#e7 z p>agraphs 7#a7 & 7#b71 respectively2 & 7,d7 by /rik+ subp>agraphs 7,e7 & 7,f7 ( p>agraph 7#a71 z s r$esignat$2 7#b7 by /rik+ subsections 7b7 & 7c72 7#c7 by r$esignat+ subsections 7d7 & 7e7 z subsections 7b7 & 7c71 respectively2 & 7#d7 9 subsection 7c71 z s r$esignat$-- 7,a7 by /rik+ p>agraphs 7#a71 7#b71 & 7#c7 & ins]t+ ! foll[+3 7#a7 ,au?orization ( appropriations ,!re are au?oriz$ to be appropriat$ su* sums z may be necess>y to c>ry out ?is title = ea* ( fiscal ye>s #bjbf & #bjbg4 2 & 7,b7 by r$esignat+ p>agraph 7#d7 z p>agraph 7#b74