,,ib ,union ,cal5d> ,no4 #dfj #aai?     
,,congress  #b;d ,session  ,h4 ,r4 #fegj
 ,report ,no4 #aai-ece ,,9 ,,! ,,h\se   
,,( ,,repres5tatives  ,decemb] #aj1     
#bjbe,mr4 ,fitzg]ald introduc$ ! foll[+ 
bill2 :i* 0 ref]r$ to ! ,committee on   
,f9ancial ,s]vices  ,febru>y #be1       
#bjbf;,additional sponsor3 ,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] ,g5]al ( ! ,unit$ ,/ates to 
/udy ! use ( commitm5ts & conditions 9  
connection ) insur$ depository          
in/itution m]g] applications by ,f$]al  
depository in/itution regulatory ag5cies
 to ensure !y align ) /atutory          
requirem5ts1 & = o!r purposes4  #a4     
,%ort title ,?is ,act may be cit$ z !   
,m]g] ,agreem5t ,approvals ,cl>ity &    

,pr$ictability ,act4  #b4 ,,gao /udy on 
use ( commitm5ts & conditions 9         
connection ) insur$ depository          
in/itution m]g] applications  7a7 ,/udy 
,! ,comptroll] ,g5]al ( ! ,unit$ ,/ates 
%all c>ry out a /udy on ! use (         
commitm5ts1 conditions1 & o!r aspects ( 
m]g] review proc$ures by ,f$]al         
depository in/itution regulatory ag5cies
 9 connection ) insur$ depository       
in/itution m]g] applications4 ,! /udy   
%all-- 7#a7 include an evaluation (     
relevant quantifiable metrics2  7#b7    
review ! ext5t to :i* ! use ( commitm5ts
 & conditions has align$ ) /atutory     
requirem5ts1 includ+ a review ( :e!r !  
use ( commitm5ts & conditions has be5   
influ5c$ by extra/atutory issues or     
consid]ations2  7#c7 consid] ! b5efits &
 risks ( utiliz+ diff]5t m]g] review    
approa*es & proc$ures 9 compliance ) !  
law2 &  7#d7 include an evaluation ( !  
impact ( su* m]g] review proc$ures &    
result+ approv$ m]g]s on safety &       
s\ndness1 f9ancial /ability1            

competition1 & ! availability ( f9ancial
 products & s]vices (f]$ by insur$      
depository in/itutions4  7b7 ,report ,n 
lat] ?an #a ye> aft] ! date ( enactm5t (
 ?is ,act1 ! ,comptroll] ,g5]al %all    
issue a report to ,congress conta9+ all 
f9d+s & det]m9ations made 9 c>ry+ out ! 
/udy requir$ "u subsection 7a74  7c7    
,def9itions ,9 ?is section3 7#a7        
,application ,! t]m application means an
 application1 notice1 or o!r simil>     
reque/ = p]mission submitt$ to a ,f$]al 
depository in/itution regulatory ag5cy4 
7#b7 ,f$]al depository in/itution       
regulatory ag5cy ,! t]m ,f$]al          
depository in/itution regulatory ag5cy  
means ! ,bo>d ( ,gov]nors ( ! ,f$]al    
,res]ve ,sy/em1 ! ,comptroll] ( !       
,curr5cy1 ! ,f$]al ,deposit ,insurance  
,corporation1 & ! ,national ,cr$it      
,union ,adm9i/ration ,bo>d4  7#c7       
,insur$ depository in/itution ,! t]m    
insur$ depository in/itution-- 7,a7 has 
! mean+ giv5 t t]m 9 section #c ( !     
,f$]al ,deposit ,insurance ,act 7#ab    

,u4,s4,c4 #ahac72 &  7,b7 means an      
insur$ cr$it union1 z def9$ 9 section   
#aja ( ! ,f$]al ,cr$it ,union ,act 7#ab 
,u4,s4,c4 #ageb74  7#d7 ,insur$         
depository in/itution m]g] application  
,! t]m insur$ depository in/itution m]g]
 application means an application )     
respect to ! acquisition ( an insur$    
depository in/itution1 its equity       
int]e/s1 its assets1 or its deposits    
"u-- 7,a7 section #aj7;e7 ( ! ,home     
,own]s' ,loan ,act 7#ab ,u4,s4,c4       
#adfg;a7e772  7,b7 section #bje7;b7 ( ! 
,f$]al ,cr$it ,union ,act 7#ab ,u4,s4,c4
 #aghe7;b772  7,c7 section #g7;j7 ( !   
,f$]al ,deposit ,insurance ,act 7#ab    
,u4,s4,c4 #ahag7;j772  7,d7 section     
#ah7;c77#b7 ( ! ,f$]al ,deposit         
,insurance ,act 7#ab ,u4,s4,c4          
#ahbh7;c77#b772  7,e7 section #c ( !    
,bank ,hold+ ,company ,act ( #aief 7#ab 
,u4,s4,c4 #ahdb72 &  7,f7 section #d ( !
 ,bank ,hold+ ,company ,act ( #aief 7#ab
 ,u4,s4,c4 #ahdc74  ,febru>y #be1       
#bjbf,report$ ) an am5dm5t1 committ$ to 

! ,committee ( ! ,:ole ,h\se on ! ,/ate 
( ! ,union1 & ord]$ to be pr9t$