,,ib ,union ,cal5d> ,no4 #dhj #aai? ,,congress #b;d ,session ,h4 ,r4 #gjef ,report ,no4 #aai-eeh ,,9 ,,! ,,h\se ,,( ,,repres5tatives ,janu>y #ad1 #bjbf,mr4 ,b>r introduc$ ! foll[+ bill2 :i* 0 ref]r$ to ! ,committee on ,f9ancial ,s]vices ,m>* #ai1 #bjbf;,additional sponsors3 ,mr4 ,got!im] & ,mr4 ,meus] ,m>* #ai1 #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 ,janu>y #ad1 #bjbf ,a ,,bill ,to index /atutory ?re%olds1 & = o!r purposes4 #a4 ,%ort title ,?is ,act may be cit$ z ! ,community ,bank ,regulatory ,tailor+ ,act4 #b4 ,?re%old adju/m5ts to acc\nt = hi/orical increases 9 curr5t-doll> ,unit$ ,/ates ,gross ,dome/ic ,product 7a7 ,bank hold+ company act ( #aief ,! ,bank ,hold+ ,company ,act ( #aief 7#ab ,u4,s4,c4 #ahda et seq47 is am5d$-- 7#a7 9 section #e7;c77#c77;,c77ii7 7#ab ,u4,s4,c4 #ahdd7;c77#c77;,c77ii771 by /rik+ #a1jjj1jjj & ins]t+ #c1jjj1jjj2 & 7#b7 9 section #ac7;h77#a77;,b77i7 7#ab ,u4,s4,c4 #ahea7;h77#a77;,b77i771 by /rik+ #aj1jjj1jjj1jjj & ins]t+ #ae1jjj1jjj1jjj4 7b7 ,community re9ve/m5t act ( #aigg ,section #hji7;a7 ( ! ,community ,re9ve/m5t ,act ( #aigg 7#ab ,u4,s4,c4 #bijh7;a77 is am5d$ by /rik+ #bej1jjj1jjj & ins]t+ #hjj1jjj1jjj4 7c7 ,depository in/itution managem5t int]locks act ,! ,depository ,in/itution ,managem5t ,int]locks ,act 7#ab ,u4,s4,c4 #cbja et seq47 is am5d$-- 7#a7 9 section #bjb7d7 7#ab ,u4,s4,c4 #cbja7d771 by /rik+ #ajj1jjj1jjj & ins]t+ #fjj1jjj1jjj2 7#b7 9 section #bjc7a7 7#ab ,u4,s4,c4 #cbjb7a771 by /rik+ #ej1jjj1jjj & ins]t+ #aaj1jjj1jjj2 & 7#c7 9 section #bjd 7#ab ,u4,s4,c4 #cbjc7-- 7,a7 by /rik+ #b1ejj1jjj1jjj & ins]t+ #aj1jjj1jjj1jjj2 & 7,b7 by /rik+ #a1ejj1jjj1jjj & ins]t+ #aj1jjj1jjj1jjj4 7d7 ,dodd-,frank wall /reet re=m & consum] protection act ,! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act 7#ab ,u4,s4,c4 #ecja et seq47 is am5d$-- 7#a7 9 section #baj 7#ab ,u4,s4,c4 #ecij7-- 7,a7 9 subsection 7o71 by /rik+ #ej1jjj1jjj1jjj 9 ea* place x appe>s & ins]t+ #aje1jjj1jjj1jjj2 & 7,b7 9 subsection 7r71 by /rik+ #a1jjj1jjj & ins]t+ #e1jjj1jjj2 & 7#b7 9 section #ief7;f7 7#ab ,u4,s4,c4 #efda7;f771 by /rik+ #a1jjj1jjj1jjj & ins]t+ #c1jjj1jjj1jjj4 7e7 ,f$]al cr$it union act ,! ,f$]al ,cr$it ,union ,act 7#ab ,u4,s4,c4 #agea et seq47 is am5d$-- 7#a7 9 section #bjb 7#ab ,u4,s4,c4 #aghb7-- 7,a7 9 subsection 7a77#f77;,c77iii7-- 7i7 9 ! head+1 by /rik+ ,de ,,m9imus & ins]t+ ,de ,,m9imis2 & 7ii7 by /rik+ #aj1jjj1jjj & ins]t+ #cd1jjj1jjj2 7,b7 9 subsection 7a77#f77;,d7-- 7i7 by /rik+ #ejj1jjj1jjj & ins]t+ #b1jjj1jjj1jjj2 & 7ii7 by /rik+ #aj1jjj1jjj & ins]t+ #cd1jjj1jjj2 7,c7 9 subsection 7b77#a77;,a71 by /rik+ #ej1jjj1jjj ea* place t t]m appe>s & ins]t+ #agj1jjj1jjj2 & 7,d7 9 subsection 7c77#a77;,a77iii71 by /rik+ #ej1jjj1jjj ea* place t t]m appe>s & ins]t+ #agj1jjj1jjj2 & 7#b7 9 section #baf 7#ab ,u4,s4,c4 #agij;d7-- 7,a7 9 subsection 7f77#b71 by /rik+ #aj1jjj1jjj & ins]t+ #cd1jjj1jjj2 7,b7 9 subsection 7i77#d77;,b71 by /rik+ #e1jjj1jjj & ins]t+ #ag1jjj1jjj2 7,c7 9 subsection 7j77#b77;,a71 by /rik+ #be1jjj1jjj & ins]t+ #ea1jjj1jjj2 & 7,d7 9 subsection 7o77#d71 by /rik+ #aj1jjj1jjj & ins]t+ #cd1jjj1jjj4 7f7 ,f$]al deposit insurance act ,! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahaa et seq47 is am5d$-- 7#a7 9 section #g7;a77#ab7 7#ab ,u4,s4,c4 #ahag7;a77#ab771 by /rik+ #e1jjj1jjj1jjj & ins]t+ #h1jjj1jjj1jjj2 7#b7 9 section #aa7p77#a77;,a77i7 7#ab ,u4,s4,c4 #ahba7p77#a77;,a77i771 by /rik+ #a1jjj1jjj & ins]t+ #e1jjj1jjj2 7#c7 9 section #cf 7#ab ,u4,s4,c4 #ahcam7-- 7,a7 9 subsection 7i71 by /rik+ #e1jjj1jjj1jjj ea* place t t]m appe>s & ins]t+ #ba1jjj1jjj1jjj2 & 7,b7 9 subsection 7j71 by /rik+ #aej1jjj1jjj ea* place t t]m appe>s & ins]t+ #hjj1jjj1jjj2 & 7#d7 9 section #ch 7#ab ,u4,s4,c4 #ahcao7-- 7,a7 9 subsection 7b71 by /rik+ #cjj1jjj1jjj & ins]t+ #b1jjj1jjj1jjj2 & 7,b7 9 subsection 7k7-- 7i7 by /rik+ #ej1jjj1jjj & ins]t+ #aaj1jjj1jjj2 & 7ii7 by /rik+ #ge1jjj1jjj & ins]t+ #aej1jjj1jjj4 7g7 ,f$]al home loan bank act ,section #b7aj7 ( ! ,f$]al ,home ,loan ,bank ,act 7#ab ,u4,s4,c4 #adbb7aj77 is am5d$ by /rik+ #a1jjj1jjj1jjj ea* place t t]m appe>s & ins]t+ #c1jjj1jjj1jjj4 7h7 ,f$]al res]ve act ,! ,f$]al ,res]ve ,act 7#ab ,u4,s4,c4 #bba et seq47 is am5d$-- 7#a7 9 section #g7;a77#a7 7#ab ,u4,s4,c4 #bhi7 by /rik+ #aj1jjj1jjj1jjj ea* place t t]m appe>s & ins]t+ #ag1jjj1jjj1jjj2 & 7#b7 9 section #bb7;h77#e77;,c7 7#ab ,u4,s4,c4 #cge;b7h77#e77;,c77 by /rik+ #ajj1jjj1jjj & ins]t+ #ejj1jjj1jjj4 7i7 ,home mortgage disclosure act ( #aige ,! ,home ,mortgage ,disclosure ,act ( #aige 7#ab ,u4,s4,c4 #bhja et seq47 is am5d$-- 7#a7 9 ! second p>agraph 7#c7 ( section #cjd7;i7 7#ab ,u4,s4,c4 #bhjc7;i77#c772 relat+ to ,exemption f c]ta9 disclosure requirem5ts71 by /rik+ #cj1jjj1jjj & ins]t+ #afj1jjj1jjj2 & 7#b7 9 section #cji7;a7 7#ab ,u4,s4,c4 #bhjh7;a771 by /rik+ #aj1jjj1jjj & ins]t+ #ahj1jjj1jjj4 7j7 ,home own]s' loan act ,section #e7u7 ( ! ,home ,own]s' ,loan ,act 7#ab ,u4,s4,c4 #adfd7u77 is am5d$-- 7#a7 9 p>agraph 7#b77;,a77i71 by /rik+ #ejj1jjj & ins]t+ #c1jjj1jjj2 & 7#b7 9 p>agraph 7#b77;,a77ii71 by /rik+ #cj1jjj1jjj & ins]t+ #afj1jjj1jjj4 7k7 ,int]national l5d+ sup]vision act ( #aihc ,section #iji7;a77#a7 ( ! ,int]national ,l5d+ ,sup]vision ,act ( #aihc 7#ab ,u4,s4,c4 #cijh7;a77#a77 is am5d$ by /rik+ #bj1jjj1jjj & ins]t+ #afj1jjj1jjj4 7l7 ,real e/ate settlem5t proc$ures act ( #aigd ,section #c7a77;,b77iv7 ( ! ,real ,e/ate ,settlem5t ,proc$ures ,act ( #aigd 7#ab ,u4,s4,c4 #bfjb7a77;,b77iv77 is am5d$ by /rik+ #a1jjj1jjj & ins]t+ #ai1jjj1jjj4 7m7 ,revis$ /atutes ( ! unit$ /ates ,section #eacf;,a7a77#b77;,d77ii7 ( ! ,revis$ ,/atutes ( ! ,unit$ ,/ates 7#ab ,u4,s4,c4 #bd;a7a77#b77;,d77ii77 is am5d$ by /rik+ #ej1jjj1jjj1jjj & ins]t+ #age1jjj1jjj1jjj4 7n7 ,tru? 9 l5d+ act ,section #abi;,c7b77#b77;,f77i7 ( ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afci;c7b77#b77;,f77i77 is am5d$ by /rik+ #aj1jjj1jjj1jjj & ins]t+ #ae1jjj1jjj1jjj4 #c4 ,p]iodic adju/m5ts to ?re%olds to acc\nt = future increases 9 curr5t-doll> ,unit$ ,/ates ,gross ,dome/ic ,product 7a7 ,9 g5]al ,by ,april #a1 #bjca1 & ! #a/ day ( ea* subsequ5t #e-ye> p]iod1 ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em %all prescribe ! am\nt by :i* ea* doll> am\nt describ$ 9 section #b ( ?is ,act %all be increas$ by ! ratio1 if great] ?an #a1 ( ! annual value ( curr5t-doll> ,unit$ ,/ates gross dome/ic product1 publi%$ by ! ,dep>tm5t ( ,comm]ce1 = ! cal5d> ye> prec$+ ! ye> 9 :i* ! adju/m5t is calculat$ "u ?is section1 to ! publi%$ annual value ( curr5t-doll> ,unit$ ,/ates gross dome/ic product = ! cal5d> ye> prec$+ ,april #a1 #bjbf4 7b7 ,curr5cy ( in=mation ,! values us$ 9 ! calculation "u subsection 7a7 %all be1 z ( ! date ( ! calculation1 ! values mo/ rec5tly publi%$ by ! ,dep>tm5t ( ,comm]ce4 7c7 ,r\nd+ 7#a7 ,if any am\nt equal to or great] ?an #ajj1jjj1jjj1jjj det]m9$ "u subsection 7a7 = any p]iod is n a multiple ( #ej1jjj1jjj1jjj1 ! am\nt %all be r\nd$ up to ! ne>e/ #ej1jjj1jjj1jjj4 7#b7 ,if any am\nt less ?an #ajj1jjj1jjj1jjj b equal to or great] ?an #aj1jjj1jjj1jjj det]m9$ "u subsection 7a7 = any p]iod is n a multiple ( #e1jjj1jjj1jjj1 ! am\nt %all be r\nd$ up to ! ne>e/ #e1jjj1jjj1jjj4 7#c7 ,if any am\nt less ?an #aj1jjj1jjj1jjj b equal to or great] ?an #a1jjj1jjj1jjj det]m9$ "u subsection 7a7 = any p]iod is n a multiple ( #ejj1jjj1jjj1 ! am\nt %all be r\nd$ up to ! ne>e/ #ejj1jjj1jjj4 7#d7 ,if any am\nt less ?an #a1jjj1jjj1jjj b equal to or great] ?an #ajj1jjj1jjj det]m9$ "u subsection 7a7 = any p]iod is n a multiple ( #ej1jjj1jjj1 ! am\nt %all be r\nd$ up to ! ne>e/ #ej1jjj1jjj4 7#e7 ,if any am\nt less ?an #ajj1jjj1jjj b equal to or great] ?an #aj1jjj1jjj det]m9$ "u subsection 7a7 = any p]iod is n a multiple ( #e1jjj1jjj1 ! am\nt %all be r\nd$ up to ! ne>e/ #e1jjj1jjj4 7#f7 ,if any am\nt less ?an #aj1jjj1jjj b equal to or great] ?an #a1jjj1jjj det]m9$ "u subsection 7a7 = any p]iod is n a multiple ( #ejj1jjj1 ! am\nt %all be r\nd$ up to ! ne>e/ #ejj1jjj4 7#g7 ,if any am\nt less ?an #a1jjj1jjj b equal to or great] ?an #ajj1jjj det]m9$ "u subsection 7a7 = any p]iod is n a multiple ( #ej1jjj1 ! am\nt %all be r\nd$ up to ! ne>e/ #ej1jjj4 7#h7 ,if any am\nt less ?an #ajj1jjj b equal to or great] ?an #aj1jjj det]m9$ "u subsection 7a7 = any p]iod is n a multiple ( #e1jjj1 ! am\nt %all be r\nd$ up to ! ne>e/ #e1jjj4 7#i7 ,if any am\nt less ?an #aj1jjj b equal to or great] ?an #a1jjj det]m9$ "u subsection 7a7 = any p]iod is n a multiple ( #ejj1 ! am\nt %all be r\nd$ up to ! ne>e/ #ejj4 7#aj7 ,if any am\nt less ?an #a1jjj b equal to or great] ?an #ajj det]m9$ "u subsection 7a7 = any p]iod is n a multiple ( #ej1 ! am\nt %all be r\nd$ up to ! ne>e/ #ej4 7#aa7 ,if any am\nt less ?an #ajj b equal to or great] ?an #aj det]m9$ "u subsection 7a7 = any p]iod is n a multiple ( #e1 ! am\nt %all be r\nd$ up to ! ne>e/ #e4 7#ab7 ,if any am\nt less ?an #aj b equal to or great] ?an #a det]m9$ "u subsection 7a7 = any p]iod is n a multiple ( #j4ej1 ! am\nt %all be r\nd$ up to ! ne>e/ #j4ej4 7d7 ,publication ,n lat] ?an ,april #e ( any cal5d> ye> 9 :i* an adju/m5t is requir$ to be calculat$ "u subsection 7a71 ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em %all publi% 9 ! ,f$]al ,regi/] ! doll> am\nts z s calculat$4 7e7 ,implem5tation p]iod ,! increase 9 ! doll> am\nts %all take effect on ,janu>y #a ( ! ye> imm$iately succe$+ any cal5d> ye> 9 :i* an adju/m5t is requir$ to be calculat$ "u subsection 7a74 ,m>* #ai1 #bjbf,report$ ) an am5dm5t1 committ$ to ! ,committee ( ! ,:ole ,h\se on ! ,/ate ( ! ,union1 & ord]$ to be pr9t$