,i  #aai? ,,congress  #b;d ,session  ,h4
 ,r4 #hjij  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,m>* #be1 #bjbf,mr4   
,/utzman introduc$ ! foll[+ bill2 :i* 0 
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to require !      
,f$]al ,deposit ,insurance ,corporation 
& ! ,national ,cr$it ,union             
,adm9i/ration to c>ry out an analysis to
 det]m9e :e!r insurance cov]age %\ld be 
rais$ on cov]$ transaction acc\nts1 & = 
o!r purposes4  #a4 ,/udy ( insurance (  
cov]$ transaction acc\nts  7a7 ,insur$  
depository in/itutions  7#a7 ,analyses  
,n e>li] ?an ! end ( ! #d? full cal5d>  
qu>t] beg9n+ aft] ! date ( enactm5t (   
?is ,act & n lat] ?an ! end ( ! #e? full
 cal5d> qu>t] beg9n+ aft] ! date (      
enactm5t ( ?is ,act1 ! ,bo>d (          
,directors ( ! ,f$]al ,deposit          
,insurance ,corporation %all-- 7,a7     
collect data & c>ry out an analysis (   
cov]$ transaction acc\nts to det]m9e !  
ext5t to :i* a high] /&>d maximum       
deposit insurance am\nt %\ld apply to   

su* acc\nts2  7,b7 conduct an economic  
analysis ( ! impact on ! bank+ sy/em ( a
 high] /&>d maximum deposit insurance   
am\nt = cov]$ transaction acc\nts2  7,c7
 det]m9e ! def9+ *>act]i/ics ( cov]$    
transaction acc\nts & det]m9e me?ods to 
prev5t & r$uce inc5tives ( insur$       
depository in/itutions & depositors to  
mis*>act]ize o!r types ( deposit acc\nts
 z cov]$ transaction acc\nts 9 ord] to  
obta9 high] deposit insurance cov]age2  
7,d7 conduct an analysis ( !            
di/ributional impact ( high] deposit    
insurance assessm5ts = cov]$ transaction
 acc\nts on small1 m$ium1 & l>ge insur$ 
depository in/itutions2  7,e7 conduct an
 analysis ( ! expect$ impact on ! safety
 & s\ndness ( insur$ depository         
in/itutions t h acc\nt hold]s ) cov]$   
transaction acc\nts2  7,f7 conduct an   
analysis ( ! effect on competition 9 !  
,u4,s4 bank+ sector ( any increase 9 !  
/&>d maximum deposit insurance am\nt =  
cov]$ transaction acc\nts2 &  7,g7 make 
! data & analyses describ$ 9            

subp>agraphs 7,a7 ?r\gh 7,f7 available  
to ! public4  7#b7 ,def9itions ,9 ?is   
subsection3 7,a7 ,cov]$ transaction     
acc\nt ,! t]m cov]$ transaction acc\nt  
means a transaction acc\nt ma9ta9$ at an
 insur$ depository in/itution--  7i7 by 
a bus9ess1 non-pr(it1 municipality1 or  
simil> organization2 &  7ii7 t--  7,i7  
is non-int]e/ be>+2 or  7,,ii7 pays a de
 m9imis am\nt ( int]e/1 z e/abli%$ by ! 
,corporation4  7,b7 ,/&>d maximum       
deposit insurance am\nt ,! t]m /&>d     
maximum deposit insurance am\nt has !   
mean+ giv5 t t]m 9 section              
#aa7;a77#a77;,e7 ( ! ,f$]al ,deposit    
,insurance ,act 7#ab ,u4,s4,c4          
#ahba7;a77#a77;,e774  7,c7 ,transaction 
acc\nt ,! t]m transaction acc\nt means a
 deposit or acc\nt f :i* ! depositor or 
acc\nt hold] is p]mitt$ to make transf]s
 or )drawals by negotiable or           
transf]able in/rum5t1 paym5t ord] (     
)drawal1 telephone transf]1 or o!r      
simil> device = ! purpose ( mak+ paym5ts
 or transf]s to ?ird p]sons or o!rs or f

 :i* ! depositor or acc\nt hold] may    
make ?ird p>ty paym5ts at an automat$   
tell] ma*9e or a remote s]vice unit1 or 
o!r electronic device1 includ+ by debit 
c>d1 & includes su* o!r deposits or     
acc\nts ma9ta9$ at an insur$ depository 
in/itution t ! ,corporation may det]m9e 
consi/5t ) ?is def9ition4  7,d7         
,additional bank+ t]ms ,! t]ms deposit &
 insur$ depository in/itution h ! mean+ 
giv5 ^? t]ms1 respectively1 9 section #c
 ( ! ,f$]al ,deposit ,insurance ,act    
7#ab ,u4,s4,c4 #ahac74  7b7 ,insur$     
cr$it unions  7#a7 ,analyses ,n e>li]   
?an ! end ( ! #d? full cal5d> qu>t]     
beg9n+ aft] ! date ( enactm5t ( ?is ,act
 & n lat] ?an ! end ( ! #e? full cal5d> 
qu>t] beg9n+ aft] ! date ( enactm5t (   
?is ,act1 ! ,national ,cr$it ,union     
,adm9i/ration ,bo>d %all--  7,a7 collect
 data & c>ry out an analysis ( cov]$    
transaction acc\nts to det]m9e ! ext5t  
to :i* a high] /&>d maximum %>e         
insurance am\nt %\ld apply to su*       
acc\nts2  7,b7 conduct an economic      

analysis ( ! impact on ! cr$it union    
sy/em ( a high] /&>d maximum %>e        
insurance am\nt = cov]$ transaction     
acc\nts2  7,c7 det]m9e ! def9+          
*>act]i/ics ( cov]$ transaction acc\nts 
& det]m9e me?ods to prev5t & r$uce      
inc5tives ( insur$ cr$it unions & cr$it 
union memb]s to mis*>act]ize o!r types (
 deposit or %>e acc\nts z cov]$         
transaction acc\nts 9 ord] to obta9     
high] %>e insurance cov]age2  7,d7      
conduct an analysis ( ! di/ributional   
impact ( high] %>e insurance assessm5ts 
= cov]$ transaction acc\nts on small1   
m$ium1 & l>ge insur$ cr$it unions2  7,e7
 conduct an analysis ( ! expect$ impact 
on ! safety & s\ndness ( insur$ cr$it   
unions t h acc\nt hold]s ) cov]$        
transaction acc\nts2  7,f7 conduct an   
analysis ( ! effect on competition 9 !  
,u4,s4 cr$it union sector ( any increase
 9 ! /&>d maximum %>e insurance am\nt = 
cov]$ transaction acc\nts2 &  7,g7 make 
! data & analyses describ$ 9            
subp>agraphs 7,a7 ?r\gh 7,f7 available  

to ! public4  7#b7 ,def9itions ,9 ?is   
subsection3  7,a7 ,cov]$ transaction    
acc\nt ,! t]m cov]$ transaction acc\nt  
means a transaction acc\nt ma9ta9$ at an
 insur$ cr$it union-- 7i7 by a bus9ess1 
non-pr(it1 municipality1 or simil>      
organization2 &  7ii7 t-- 7,i7 does n   
pay a divid5d2 or  7,,ii7 pays a de     
m9imis divid5d1 z e/abli%$ by ! ,bo>d4  
7,b7 ,insur$ cr$it union ,! t]m insur$  
cr$it union has ! mean+ giv5 t t]m 9    
section #aja ( ! ,f$]al ,cr$it ,union   
,act 7#ab ,u4,s4,c4 #ageb74  7,c7 ,/&>d 
maximum %>e insurance am\nt ,! t]m /&>d 
maximum %>e insurance am\nt has ! mean+ 
giv5 t t]m 9 section #bjg7k77#f7 ( !    
,f$]al ,cr$it ,union ,act 7#ab ,u4,s4,c4
 #aghg7k77#f774  7,d7 ,transaction      
acc\nt ,! t]m transaction acc\nt means a
 deposit1 %>e1 or acc\nt f :i* !        
depositor or acc\nt hold] is p]mitt$ to 
make transf]s or )drawals by negotiable 
or transf]able in/rum5t1 paym5t ord] (  
)drawal1 telephone transf]1 or o!r      
simil> device = ! purpose ( mak+ paym5ts

 or transf]s to ?ird p]sons or o!rs or f
 :i* ! depositor or acc\nt hold] may    
make ?ird p>ty paym5ts at an automat$   
tell] ma*9e or a remote s]vice unit1 or 
o!r electronic device1 includ+ by debit 
c>d1 & includes su* o!r deposits or     
acc\nts ma9ta9$ at an insur$ cr$it union
 t ! ,bo>d may det]m9e consi/5t ) ?is   
def9ition4