,,ib ,union ,cal5d> ,no4 #faj #aai?     
,,congress  #b;d ,session  ,h4 ,r4 #ida 
,report ,no4 #aai-gjb ,,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  ,june #ah1 #bjbf;,additional  
sponsors3 ,mr4 ,h>idopolos1 ,mr4 ,nunn (
 ,i[a1 ,mrs4 ,h9son1 ,mr4 ,mack5zie1    
,mr4 ,womack1 ,mr4 ,kelly (             
,mississippi1 ,mr4 ,bu*anan1 ,mr4       
,%reve1 ,mr4 ,rose1 & ,mr4 ,wilson (    
,s\? ,c>ol9a  ,june #ah1 #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 ,febru>y #d1 
#bjbe  ,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 7c7-- 7,a7 by /rik+ ,any     
applicant & ins]t+ ! foll[+3  7#a7 ,9   
g5]al ,any applicant  2 &  7,b7 by /rik+
 ! p]iod at ! end & ins]t+ ! foll[+3 1 &
 ! f9ancial in/itution may1 :5 reque/+  
su* in=mation1 in=m ! applicant 9 writ+ 
t-- 7,a7 ! ,bureau ( ,consum] ,f9ancial 
,protection requires ! f9ancial         
in/itution to ask1 collect1 & report su*
 in=mation to ! ,f$]al ,gov]nm5t        
annually pursuant to ?is section2  7,b7 
! applicant is n requir$ to provide su* 
in=mation2 &  7,c7 ! applicant's        
response w n affect ! f9ancial          
in/itution's evaluation ( ! reque/ =    

cr$it4  7#b7 ,model =m ,! ,director ( ! 
,bureau ( ,consum] ,f9ancial ,protection
 %all e/abli% a model =m to be us$ 9    
provid+ ! in=mation requir$ to be       
provid$ to an applicant "u p>agraph     
7#a74 ,su* =m %all-- 7,a7 be 9 pla9     
,engli%2 &  7,b7 to ! ext5t practicable1
 be no long] ?an a s+le page4  2  7#b7  
by /rik+ subsection 7d72  7#c7 by       
r$esignat+ subsections 7e71 7f71 7g71 & 
7h7 z subsections 7d71 7e71 7f71 & 7g71 
respectively2 &  7#d7 9 subsection 7d71 
z s r$esignat$-- 7,a7 9 p>agraph 7#b7-- 
7i7 by /rik+ subp>agraphs 7,c71 7,g71 & 
7,h72  7ii7 by r$esignat+ subp>agraphs  
7,d71 7,e71 & 7,f7 z subp>agraphs 7,c71 
7,d71 & 7,e71 respectively2  7iii7 9    
subp>agraph 7,d71 z s r$esignat$1 by    
add+ & at ! end2 &  7iv7 9 subp>agraph  
7,e71 z s r$esignat$1 by /rik+ !        
semicolon & ins]t+ a p]iod2  7,b7 9     
p>agraph 7#c71 by /rik+ p>agraph        
7#a77;,e7 & ins]t+ p>agraph 7#a77;,d72 &
  7,c7 by add+ at ! end ! foll[+3  7#e7 
,prohibition on in=mation n report$ by  

an applicant ,a f9ancial in/itution may 
n compile & ma9ta9 in=mation describ$ "u
 subsection 7b7 t 0 det]m9$ by !        
f9ancial in/itution us+ visual          
obs]vation or any o!r mann] o!r ?an be+ 
provid$ by an applicant4  2  7#e7 9     
subsection 7f71 z s r$esignat$1 by add+ 
at ! end ! foll[+3  7#d7 ,initial       
compliance date  7,a7 ,9 g5]al ,!       
,bureau may n require a f9ancial        
in/itution to comply ) ?is section1 or  
any rule issu$ "u ?is section1 until    
,june #a1 #bjca4  7,b7 ,safe h>bor ,!   
,bureau may n en=ce compliance ) !      
requirem5ts ( ?is section dur+ ! #b-ye> 
p]iod beg9n+ on ! date describ$ 9       
subp>agraph 7,a74  7#e7 ,exemption =    
small f9ancial in/itutions ,a f9ancial  
in/itution is exempt f ! requirem5ts (  
?is section if ! f9ancial in/itution--  
7,a7 9 ea* ( ! #b previ\s cal5d> ye>s1  
orig9at$ less ?an #b1ejj cr$it          
transactions = small bus9esses2 or  7,b7
 has less ?an #aj1jjj1jjj1jjj 9 assets4 
7#f7 ,treatm5t ( response rate ,!       

p]c5tage ( applicants provid+ a f9ancial
 in/itution ) ! in=mation describ$ "u   
subsection 7b7 may n be us$ z a factor 9
 det]m9+ :e!r a f9ancial in/itution is 9
 compliance ) ! requirem5ts "u ?is      
section4  2 &  7#f7 9 subsection 7g71 z 
s r$esignat$1 by /rik+ p>agraph 7#b7 &  
ins]t+ ! foll[+3  7#b7 ,small bus9ess ,!
 t]m small bus9ess means any entity )   
gross annual rev5ues ( #a1jjj1jjj or    
less 9 ! mo/ rec5tly complet$ fiscal    
ye>4  4  ,june #ah1 #bjbf,report$ ) an  
am5dm5t1 committ$ to ! ,committee ( !   
,:ole ,h\se on ! ,/ate ( ! ,union1 &    
ord]$ to be pr9t$