,,ii  #aai? ,,congress  #b;d ,session   
,s4 #deag  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,may #ac1 #bjbf,mr4    
,ricketts 7= himself & ,mr4 ,w>nock7    
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to require ,f$]al bank+ ag5cies
 to c>ry out a /udy on rural depository 
revitalization4  #a4 ,%ort title ,?is   
,act may be cit$ z ! ,rural             
,depositories ,revitalization ,/udy     
,act4  #b4 ,def9itions ,9 ?is ,act3 7#a7
 ,depository in/itution ,! t]m          
depository in/itution has ! mean+ giv5 !
 t]m 9 section #c ( ! ,f$]al ,deposit   
,insurance ,act 7#ab ,u4,s4,c4 #ahac74  
7#b7 ,f$]al bank+ ag5cies ,! t]m ,f$]al 
bank+ ag5cies means ! ,bo>d ( ,gov]nors 
( ! ,f$]al ,res]ve ,sy/em1 ! ,comptroll]
 ( ! ,curr5cy1 & ! ,f$]al ,deposit      
,insurance ,corporation4  7#c7 ,rural ,)
 respect to an area1 ! t]m rural has !  
mean+ giv5 ! t]m 9 section              
#ajbf4ce7;b77#b77;iv77,a7 ( title #ab1  

,code ( ,f$]al ,regulations4  #c4 ,rural
 depositories revitalization /udy  7a7  
,f$]al bank+ ag5cies  7#a7 ,/udy ,!     
,f$]al bank+ ag5cies %all c>ry out a    
jo9t /udy-- 7,a7 to id5tify me?ods to   
improve ! gr[?1 capital adequacy1 &     
pr(itability ( depository in/itutions 9 
! ,unit$ ,/ates t prim>ily s]ve rural   
areas2 &  7,b7 to id5tify ,f$]al /atutes
 7o!r ?an appropriations ,acts7 or      
regulations ( ! ,f$]al bank+ ag5cies t  
limit-- 7i7 ! me?ods id5tifi$ "u        
subp>agraph 7,a72 or  7ii7 ! e/abli%m5t 
( de novo depository in/itutions 9 rural
 areas4  7#b7 ,report ,n lat] ?an #a ye>
 aft] ! date ( enactm5t ( ?is ,act1 !   
,f$]al bank+ ag5cies %all submit to     
,congress a jo9t report conta9+ all     
f9d+s & det]m9ations made 9 c>ry+ out ! 
/udy requir$ "u p>agraph 7#a74  7b7     
,national ,cr$it ,union ,adm9i/ration   
7#a7 ,/udy ,! ,national ,cr$it ,union   
,adm9i/ration %all c>ry out a /udy--    
7,a7 to id5tify me?ods to improve !     
gr[?1 capital adequacy1 & pr(itability (

 cr$it unions 9 ! ,unit$ ,/ates t       
prim>ily s]ve rural areas2 &  7,b7 to   
id5tify ,f$]al /atutes 7o!r ?an         
appropriations ,acts7 or regulations ( !
 ,national ,cr$it ,union ,adm9i/ration t
 limit-- 7i7 ! me?ods id5tifi$ "u       
subp>agraph 7,a72 or  7ii7 ! e/abli%m5t 
( de novo cr$it unions 9 rural areas4   
7#b7 ,report ,n lat] ?an #a ye> aft] !  
date ( enactm5t ( ?is ,act1 ! ,national 
,cr$it ,union ,adm9i/ration %all submit 
to ,congress a report conta9+ all f9d+s 
& det]m9ations made 9 c>ry+ out ! /udy  
requir$ "u p>agraph 7#a74