,,ii  #aaith ,,congress  #b;d ,session  
,s4 #deag  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,may #ac1      
#bjbf,mr4 ,ricketts 7for himself and    
,mr4 ,warnock7 introduced the following 
bill2 which was read twice and referred 
to the ,committee on ,banking1 ,housing1
 and ,urban ,affairs  ,a ,,bill  ,to    
require ,federal banking agencies to    
carry out a study on rural depository   
revitalization4  #a4 ,short title ,this 
,act may be cited as the ,rural         
,depositories ,revitalization ,study    
,act4  #b4 ,definitions ,in this ,act3  
7#a7 ,depository institution ,the term  
depository institution has the meaning  
given the term in section #c of the     
,federal ,deposit ,insurance ,act 7#ab  
,u4,s4,c4 #ahac74  7#b7 ,federal banking
 agencies ,the term ,federal banking    
agencies means the ,board of ,governors 
of the ,federal ,reserve ,system1 the   
,comptroller of the ,currency1 and the  
,federal ,deposit ,insurance            
,corporation4  7#c7 ,rural ,with respect

 to an area1 the term rural has the     
meaning given the term in section       
#ajbf4ce7;b77#b77;iv77,a7 of title #ab1 
,code of ,federal ,regulations4  #c4    
,rural depositories revitalization study
  7a7 ,federal banking agencies  7#a7   
,study ,the ,federal banking agencies   
shall carry out a joint study-- 7,a7 to 
identify methods to improve the growth1 
capital adequacy1 and profitability of  
depository institutions in the ,united  
,states that primarily serve rural      
areas2 and  7,b7 to identify ,federal   
statutes 7other than appropriations     
,acts7 or regulations of the ,federal   
banking agencies that limit-- 7i7 the   
methods identified under subparagraph   
7,a72 or  7ii7 the establishment of de  
novo depository institutions in rural   
areas4  7#b7 ,report ,not later than #a 
year after the date of enactment of this
 ,act1 the ,federal banking agencies    
shall submit to ,congress a joint report
 containing all findings and            
determinations made in carrying out the 

study required under paragraph 7#a74    
7b7 ,national ,credit ,union            
,administration  7#a7 ,study ,the       
,national ,credit ,union ,administration
 shall carry out a study-- 7,a7 to      
identify methods to improve the growth1 
capital adequacy1 and profitability of  
credit unions in the ,united ,states    
that primarily serve rural areas2 and   
7,b7 to identify ,federal statutes      
7other than appropriations ,acts7 or    
regulations of the ,national ,credit    
,union ,administration that limit-- 7i7 
the methods identified under            
subparagraph 7,a72 or  7ii7 the         
establishment of de novo credit unions  
in rural areas4  7#b7 ,report ,not later
 than #a year after the date of         
enactment of this ,act1 the ,national   
,credit ,union ,administration shall    
submit to ,congress a report containing 
all findings and determinations made in 
carrying out the study required under   
paragraph 7#a74