,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #feeb  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,decemb] #aj1         
#bjbe,mr4 ,b>r introduc$ ! foll[+ bill2 
:i* 0 ref]r$ to ! ,committee on         
,f9ancial ,s]vices  ,a ,,bill  ,to      
require ! ,bo>d ( ,gov]nors ( ! ,f$]al  
,res]ve ,sy/em1 ! ,comptroll] ( !       
,curr5cy1 & ! ,f$]al ,deposit ,insurance
 ,corporation to /udy h[ p>tn]%ips      
betwe5 f9te*s & bank+ organizations c   
support new bank+ organization =mation &
 community bank heal?1 & = o!r purposes4
  #a4 ,%ort title ,?is ,act may be cit$ 
z ! ,bank-,f9te* ,p>tn]%ip ,enhancem5t  
,act4  #b4 ,/udy on bank-f9te* p>tn]%ips
  7a7 ,/udy ,! ,bo>d ( ,gov]nors ( !    
,f$]al ,res]ve ,sy/em1 ! ,comptroll] ( !
 ,curr5cy1 & ! ,f$]al ,deposit          
,insurance ,corporation %all c>ry out a 
/udy (-- 7#a7 h[ p>tn]%ips betwe5 bank+ 
organizations1 on ! "o h&1 & f9ancial   
te*nology companies1 on ! o!r h&1 c     
support =mation ( new bank+             
organizations & community bank heal?1   

includ+ ! ext5t to :i* ^! p>tn]%ips     
r$uce "t to m>ket = products & s]vices1 
l[] compliance burd5s1 boo/ cu/om]      
acquisition1 improve te*nological       
capabilities1 & provide access to m     
div]se fund+ s\rces2 &  7#b7 :at *anges 
to ,f$]al laws gov]n+ bank+             
organizations1 or to rules or guidance  
adopt$ by ! ,bo>d ( ,gov]nors ( ! ,f$]al
 ,res]ve ,sy/em1 ! ,comptroll] ( !      
,curr5cy1 or ! ,f$]al ,deposit          
,insurance ,corporation1 may help       
promote effective p>tn]%ips betwe5 bank+
 organizations1 on ! "o h&1 & f9ancial  
te*nology companies1 on ! o!r h&4  7b7  
,report ,n lat] ?an #f mon?s aft] ! date
 ( enactm5t ( ?is ,act1 ! ,bo>d (       
,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 !  
,comptroll] ( ! ,curr5cy1 & ! ,f$]al    
,deposit ,insurance ,corporation %all   
issue a report to ,congress conta9+ all 
f9d+s & det]m9ations made 9 c>ry+ out ! 
/udy requir$ "u subsection 7a74  7c7    
,bank+ organization def9$ ,9 ?is        
section1 ! t]m bank+ organization means 

a depository in/itution hold+ company or
 an insur$ depository in/itution1 z su* 
t]ms are def9$1 respectively1 "u section
 #c ( ! ,f$]al ,deposit ,insurance ,act 
7#ab ,u4,s4,c4 #ahac74