,i  #aaith ,,congress  #ast ,session    
,h4 ,r4 #feeb  ,,in ,,the ,,house ,,of  
,,representatives  ,december #aj1       
#bjbe,mr4 ,barr introduced the following
 bill2 which was referred to the        
,committee on ,financial ,services  ,a  
,,bill  ,to require the ,board of       
,governors of the ,federal ,reserve     
,system1 the ,comptroller of the        
,currency1 and the ,federal ,deposit    
,insurance ,corporation to study how    
partnerships between fintechs and       
banking organizations can support new   
banking organization formation and      
community bank health1 and for other    
purposes4  #a4 ,short title ,this ,act  
may be cited as the ,bank-,fintech      
,partnership ,enhancement ,act4  #b4    
,study on bank-fintech partnerships  7a7
 ,study ,the ,board of ,governors of the
 ,federal ,reserve ,system1 the         
,comptroller of the ,currency1 and the  
,federal ,deposit ,insurance            
,corporation shall carry out a study    
of-- 7#a7 how partnerships between      

banking organizations1 on the one hand1 
and financial technology companies1 on  
the other hand1 can support formation of
 new banking organizations and community
 bank health1 including the extent to   
which these partnerships reduce time to 
market for products and services1 lower 
compliance burdens1 boost customer      
acquisition1 improve technological      
capabilities1 and provide access to more
 diverse funding sources2 and  7#b7 what
 changes to ,federal laws governing     
banking organizations1 or to rules or   
guidance adopted by the ,board of       
,governors of the ,federal ,reserve     
,system1 the ,comptroller of the        
,currency1 or the ,federal ,deposit     
,insurance ,corporation1 may help       
promote effective partnerships between  
banking organizations1 on the one hand1 
and financial technology companies1 on  
the other hand4  7b7 ,report ,not later 
than #f months after the date of        
enactment of this ,act1 the ,board of   
,governors of the ,federal ,reserve     

,system1 the ,comptroller of the        
,currency1 and the ,federal ,deposit    
,insurance ,corporation shall issue a   
report to ,congress containing all      
findings and determinations made in     
carrying out the study required under   
subsection 7a74  7c7 ,banking           
organization defined ,in this section1  
the term banking organization means a   
depository institution holding company  
or an insured depository institution1 as
 such terms are defined1 respectively1  
under section #c of the ,federal        
,deposit ,insurance ,act 7#ab ,u4,s4,c4 
#ahac74