,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #ida  ,,9 ,,! ,,h\se ,,(            
,,repres5tatives  ,febru>y #d1 #bjbe,mr4
 ,hill ( ,arkansas 7= himself1 ,mr4     
,meus]1 ,mrs4 ,wagn]1 ,mr4 ,huiz5ga1    
,mr4 ,timmons1 ,mr4 ,moore ( ,nor?      
,c>ol9a1 & ,mr4 ,williams ( ,texas7     
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,a 
,,bill  ,to am5d ! ,equal ,cr$it        
,opportunity ,act to provide = an       
effective date & a tempor>y safe h>bor =
 compliance ) c]ta9 small bus9ess l5d+  
data collection rules1 & = o!r purposes4
  #a4 ,%ort title ,?is ,act may be cit$ 
z ! ,small ,l5d]s ,exempt f ,new ,data &
 ,excessive ,report+ ,act or ! ,small   
,,l5d] ,act4  #b4 ,small bus9ess loan   
data collection ,section #gjd;,b ( !    
,equal ,cr$it ,opportunity ,act 7#ae    
,u4,s4,c4 #afia;c-#b7 is am5d$-- 7#a7 9 
subsection 7g71 by add+ at ! end !      
foll[+3  7#d7 ,compliance ) cov]$ rule  
7,a7 ,9 g5]al ,) respect to ! cov]$     
rule1 ! ,bureau %all provide a f9ancial 

in/itution a #c-ye> p]iod beg9n+ on !   
date ! cov]$ rule 0 issu$ to comply ) ! 
rule4  7,b7 ,safe h>bor ,aft] ! end ( ! 
#c-ye> p]iod describ$ "u subp>agraph    
7,a71 ! ,bureau %all provide a #b-ye>   
safe h>bor to a f9ancial in/itution dur+
 :i* ! f9ancial in/itution is requir$ to
 comply ) ! cov]$ rule b is n subject to
 any p5alties = failure to comply ) !   
cov]$ rule4  7,c7 ,cov]$ rule def9$ ,9  
?is p>agraph1 ! t]m cov]$ rule means !  
f9al rule ( ! ,bureau titl$ ,small      
,bus9ess ,l5d+ ,"u ! ,equal ,cr$it      
,opportunity ,act 7,regulation ,b7 7#hh 
,f$4 ,reg4 #ceaej1 publi%$ ,may #ca1    
#bjbc74  2 &  7#b7 9 subsection 7h7--   
7,a7 by /rik+ p>agraph 7#a7 & ins]t+ !  
foll[+3  7#a7 ,f9ancial in/itution ,!   
t]m f9ancial in/itution means-- 7,a7 any
 p>tn]%ip1 company1 corporation1        
association 7incorporat$ or             
un9corporat$71 tru/1 e/ate1 coop]ative  
organization1 or o!r entity t engages 9 
any f9ancial activity2 &  7,b7 9 ea* ( !
 previ\s #b cal5d> ye>s orig9at$ n less 

?an #ejj cr$it transactions = small     
bus9esses4  2 &  7,b7 by /rik+ p>agraph 
7#b7 & ins]t+ ! foll[+3  7#b7 ,small    
bus9ess ,! t]m small bus9ess means any  
entity ) gross annual rev5ues (         
#a1jjj1jjj or less 9 ! mo/ rec5tly      
complet$ fiscal ye>4  4