,,ib ,union ,cal5d> ,no4 #def #aai?     
,,congress  #b;d ,session  ,h4 ,r4 #feeb
 ,report ,no4 #aai-eca ,,9 ,,! ,,h\se   
,,( ,,repres5tatives  ,decemb] #aj1     
#bjbe,mr4 ,b>r introduc$ ! foll[+ bill2 
:i* 0 ref]r$ to ! ,committee on         
,f9ancial ,s]vices  ,febru>y #be1       
#bjbf;,additional sponsors3 ,mr4        
,got!im]1 ,mr4 ,sessions1 ,mr4          
,davidson1 ,mr4 ,mosk[itz1 ,mr4 ,moore (
 ,nor? ,c>ol9a1 & ,mr4 ,lawl]  ,febru>y 
#be1 #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] #aj1 #bjbe  ,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 ! impact ( p>tn]%ips betwe5 bank+  
organizations1 on ! "o h&1 & f9ancial   
te*nology companies1 on ! o!r h&1 on !  
bank+ sector1 competition1 innovation1  
consum] protection1 & ! availability (  
f9ancial products & s]vices1 includ+ !  
ext5t to :i* ^! p>tn]%ips support !     
=mation ( new bank+ organizations1 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$]al ,deposit          
,insurance ,corporation1 may help       
promote effective p>tn]%ips betwe5 bank+
 organizations1 on ! "o h&1 & f9ancial  
te*nology companies1 on ! o!r h&4  7b7  
,report ,n lat] ?an #a ye> aft] ! date (
 enactm5t ( ?is ,act1 ! ,bo>d (         
,gov]nors ( ! ,f$]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  #c4 ,/udy on    
cr$it union-f9te* p>tn]%ips  7a7 ,/udy  
,! ,national ,cr$it ,union ,adm9i/ration
 %all c>ry out a /udy (-- 7#a7 ! impact 
( p>tn]%ips betwe5 cr$it unions1 on ! "o
 h&1 & f9ancial te*nology companies1 on 

! o!r h&1 on ! cr$it union sector1      
competition1 innovation1 consum]        
protection1 & ! availability ( f9ancial 
products & s]vices1 includ+ ! ext5t to  
:i* ^! p>tn]%ips support ! =mation ( new
 cr$it unions1 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+ cr$it 
unions1 or to rules or guidance adopt$  
by ! ,national ,cr$it ,union            
,adm9i/ration1 may help promote         
effective p>tn]%ips betwe5 cr$it unions1
 on ! "o h&1 & f9ancial te*nology       
companies1 on ! o!r h&4  7b7 ,report ,n 
lat] ?an #a ye> aft] ! date ( enactm5t (
 ?is ,act1 ! ,national ,cr$it ,union    
,adm9i/ration %all issue a report to    
,congress conta9+ all f9d+s &           
det]m9ations made 9 c>ry+ out ! /udy    
requir$ "u subsection 7a74  ,febru>y    
#be1 #bjbf,report$ ) an am5dm5t1        
committ$ to ! ,committee ( ! ,:ole ,h\se

 on ! ,/ate ( ! ,union1 & ord]$ to be   
pr9t$