,,ib ,union ,cal5d> ,no4 #dei #aai?     
,,congress  #b;d ,session  ,h4 ,r4 #feee
 ,report ,no4 #aai-ecd ,,9 ,,! ,,h\se   
,,( ,,repres5tatives  ,decemb] #aj1     
#bjbe,mr4 ,huiz5ga introduc$ ! foll[+   
bill2 :i* 0 ref]r$ to ! ,committee on   
,f9ancial ,s]vices  ,febru>y #be1       
#bjbf;,additional sponsors3 ,mr4        
,got!im] & ,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 ! ,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] ( ! ,curr5cy1 ! ,f$]al      
,deposit ,insurance ,corporation1 & !   
,bo>d ( ! ,gov]nors ( ! ,f$]al ,res]ve  
,sy/em %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 !    
application ( ! ,bank ,hold+ ,company   
,act ( #aief 7#ab ,u4,s4,c4 #ahda et    
seq47 & section #aj ( ! ,home ,own]s'   
,loan ,act 7#ab ,u4,s4,c4 #adfg;a7 to   
%elf *>t] proposals2  7#d7 :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#e7 ) 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$]al ,deposit    
,insurance ,act 7#ab ,u4,s4,c4          
#ahbc7;c77#d77;,g77 ) respect to any su*
 receiv]%ip2  7#f7 ! impact ( ! use (   
%elf *>t]s & modifi$ bidd] qualification
 processes s9ce ,janu>y #a1 #bjjh1      
includ+ on f9ancial /ability1 ! safety &
 s\ndness ( affect$ insur$ depository   
in/itutions1 & ! availability ( f9ancial
 products & s]vices provid$ to consum]s 
by su* in/itutions2 &  7#g7 any b5efits 
& risks ( private equity own]%ip ( banks
 ?r\gh ! use ( %elf *>t]s & modifi$     
bidd] qualification processes4  7b7     
,report ,n lat] ?an #a ye> aft] ! date (

 enactm5t ( ?is ,act1 ! ,comptroll] ( ! 
,curr5cy1 ! ,f$]al ,deposit ,insurance  
,corporation1 & ! ,bo>d ( ! ,gov]nors ( 
! ,f$]al ,res]ve ,sy/em %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$ insur$ 
depository in/itutions1 includ+         
recomm5dations = legislative &          
regulatory *anges4  7c7 ,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      
,febru>y #be1 #bjbf,report$ ) an        
am5dm5t1 committ$ to ! ,committee ( !   
,:ole ,h\se on ! ,/ate ( ! ,union1 &    
ord]$ to be pr9t$