,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #feee  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,decemb] #aj1         
#bjbe,mr4 ,huiz5ga introduc$ ! foll[+   
bill2 :i* 0 ref]r$ to ! ,committee on   
,f9ancial ,s]vices  ,a ,,bill  ,to      
require ! ,comptroll] ( ! ,curr5cy & !  
,f$]al ,deposit ,insurance ,corporation 
to c>ry out a /udy on %elf *>t]s &      
modifi$ bidd] qualification processes1 &
 = o!r purposes4  #a4 ,%ort title ,?is  
,act may be cit$ z ! ,enhanc+ ,bank     
,resolution ,p>ticipation ,act4  #b4    
,/udy on %elf *>t]s & modifi$ bidd]     
qualification processes  7a7 ,/udy ,!   
,comptroll] ( ! ,curr5cy & ! ,f$]al     
,deposit ,insurance ,corporation %all1  
jo9tly1 c>ry out a /udy (-- 7#a7 ! use  
by ! ,comptroll] ( ! ,curr5cy ( %elf    
*>t]s1 includ+ all conditional or       
prelim9>y %elf *>t] approvals grant$    
betwe5 ,janu>y #a1 #bjjh1 & ! date (    
enactm5t ( ?is ,act2  7#b7 ! use by !   
,f$]al ,deposit ,insurance ,corporation 
( ! modifi$ bidd] qualification process2

  7#c7 :e!r %elf *>t]s & modifi$ bidd]  
qualification processes 7 consid]$ or   
us$ 9 connection ) ! receiv]%ip ( any   
insur$ depository in/itution = :i* !    
,f$]al ,deposit ,insurance ,corporation 
0 appo9t$ receiv] 9 #bjbc2 &  7#d7 )    
respect to su* receiv]%ips1 ! ext5t to  
:i* great] use ( %elf *>t]s & modifi$   
bidd] qualification processes c\ld h--  
7,a7 exp&$ ! pool ( p>ticipants 9 !     
acquisition ( ! assets or liabilities ( 
su* fail$ insur$ depository in/itutions2
  7,b7 result$ 9 great] competition &   
div]sity 9 m>ket outcomes2  7,c7        
protect$ ! ,deposit ,insurance ,fund2 or
  7,d7 /r5g!n$ f9ancial /ability & r$uc$
 ! ne$ = any em]g5cy det]m9ation by !   
,secret>y ( ! ,treasury "u section      
#ac7;c77#d77;,g7 ( ! ,f$]al ,deposit    
,insurance ,act 7#ab ,u4,s4,c4          
#ahbc7;c77#d77;,g77 ) respect to any su*
 receiv]%ip4  7b7 ,report ,n lat] ?an   
#bgj days aft] ! date ( enactm5t ( ?is  
,act1 ! ,comptroll] ( ! ,curr5cy1 & !   
,f$]al ,deposit ,insurance ,corporation 

%all1 jo9tly1 submit a report to !      
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! ,committee  
on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! 
,s5ate conta9+-- 7#a7 all f9d+s &       
det]m9ations made 9 c>ry+ out ! /udy    
requir$ "u subsection 7a72 &  7#b7 an   
id5tification ( /atutory or regulatory  
b>ri]s to ! use & effectiv5ess ( %elf   
*>t]s & modifi$ bidd] qualification     
processes 9 ! resolution ( fail$ banks1 
includ+ recomm5dations = legislative &  
regulatory *anges4  7c7 ,consultation ,!
 ,comptroll] ( ! ,curr5cy & ! ,f$]al    
,deposit ,insurance ,corporation %all   
consult ) ! ,bo>d ( ,gov]nors ( ! ,f$]al
 ,res]ve ,sy/em 9 c>ry+ out ! /udy "u   
subsection 7a7 & 9 prep>+ ! report "u   
subsection 7b71 includ+ ) respect to !  
application ( ! ,bank ,hold+ ,company   
,act ( #aief to %elf *>t] proposals & to
 ! p>ticipation ( inve/ors n organiz$ z 
an insur$ depository in/itution 9 !     
modifi$ bidd] qualification process4    
7d7 ,def9itions ,9 ?is section3 7#a7    

,insur$ depository in/itution ,! t]m    
insur$ depository in/itution has ! mean+
 giv5 ! t]m 9 section #c ( ! ,f$]al     
,deposit ,insurance ,act 7#ab ,u4,s4,c4 
#ahac74  7#b7 ,modifi$ bidd]            
qualification process ,! t]m modifi$    
bidd] qualification process has ! mean+ 
giv5 su* t]m 9 ! press release ( !      
,f$]al ,deposit ,insurance ,corporation 
titl$ ,,fdic ,exp&s ,bidd] ,li/ =       
,tr\bl$ ,in/itutions ,plan ,all[s ,^?   
,)\t a ,bank ,*>t] to ,p>ticipate 9 !   
,process publi%$ ,novemb] #bf1 #bjjh4   
7#c7 ,%elf *>t] ,! t]m %elf *>t] has !  
mean+ giv5 su* t]m 9 ! report issu$ by !
 ,comptroll] ( ! ,curr5cy titl$         
,activities ,p]missible = ,national     
,banks & ,f$]al ,sav+s ,associations1   
,cumulative publi%$ ,octob] #bjag4