,,ii  #aai? ,,congress  #b;d ,session   
,s4 #dhci  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,june #ah1 #bjbf,mr4   
,ricketts 7= himself & ,ms4 ,cortez     
,ma/o7 introduc$ ! foll[+ bill2 :i* 0   
read twice & ref]r$ to ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to require ! ,bo>d ( ,gov]nors 
( ! ,f$]al ,res]ve ,sy/em1 ! ,comptroll]
 ( ! ,curr5cy1 & ! ,f$]al ,deposit      
,insurance ,corporation to /udy h[      
p>tn]%ips betwe5 f9ancial te*nology     
companies & bank+ organizations c       
support new bank+ organization =mation &
 community bank heal?1 & = o!r purposes4
  #a4 ,%ort title ,?is ,act may be cit$ 
z ! ,bank-,f9te* ,p>tn]%ip ,enhancem5t  
,act4  #b4 ,def9itions ,9 ?is ,act3 7#a7
 ,bank+ organization ,! t]m bank+       
organization means a depository         
in/itution hold+ company or an insur$   
depository in/itution4  7#b7 ,depository
 in/itution hold+ company2 insur$       
depository in/itution ,! t]ms depository
 in/itution hold+ company & insur$      

depository in/itution h ! mean+s giv5 ! 
t]ms 9 section #c ( ! ,f$]al ,deposit   
,insurance ,act 7#ab ,u4,s4,c4 #ahac74  
#c4 ,/udy on bank-f9te* p>tn]%ips  7a7  
,/udy ,! ,bo>d ( ,gov]nors ( ! ,f$]al   
,res]ve ,sy/em1 ! ,comptroll] ( !       
,curr5cy1 & ! ,f$]al ,deposit ,insurance
 ,corporation %all c>ry out a /udy (--  
7#a7 ! impact ( p>tn]%ips betwe5 bank+  
organizations & f9ancial te*nology      
companies on ! bank+ sector1            
competition1 innovation1 consum]        
protection1 & ! availability ( f9ancial 
products & s]vices1 includ+ ! ext5t to  
:i* ! p>tn]%ips support ! =mation ( new 
bank+ organizations1 r$uce "t to m>ket =
 products & s]vices1 l[] compliance     
burd5s1 boo/ cu/om] acquisition1 improve
 te*nological capabilities1 & provide   
access to m div]se fund+ s\rces2 &  7#b7
 :at *anges to ,f$]al laws gov]n+ bank+ 
organizations1 or to rules or guidance  
adopt$ by ! ,bo>d ( ,gov]nors ( ! ,f$]al
 ,res]ve ,sy/em1 ! ,comptroll] ( !      
,curr5cy1 or ! ,f$]al ,deposit          

,insurance ,corporation1 may help       
promote effective p>tn]%ips betwe5 bank+
 organizations & f9ancial te*nology     
companies4  7b7 ,report ,n lat] ?an #a  
ye> aft] ! date ( enactm5t ( ?is ,act1 !
 ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve   
,sy/em1 ! ,comptroll] ( ! ,curr5cy1 & ! 
,f$]al ,deposit ,insurance ,corporation 
%all submit to ,congress a report       
conta9+ all f9d+s & det]m9ations made 9 
c>ry+ out ! /udy requir$ "u subsection  
7a74  #d4 ,/udy on cr$it union-f9te*    
p>tn]%ips  7a7 ,/udy ,! ,national ,cr$it
 ,union ,adm9i/ration %all c>ry out a   
/udy (-- 7#a7 ! impact ( p>tn]%ips      
betwe5 cr$it unions & f9ancial te*nology
 companies on ! cr$it union sector1     
competition1 innovation1 consum]        
protection1 & ! availability ( f9ancial 
products & s]vices1 includ+ ! ext5t to  
:i* ! p>tn]%ips support ! =mation ( new 
cr$it unions1 r$uce "t to m>ket =       
products & s]vices1 l[] compliance      
burd5s1 boo/ cu/om] acquisition1 improve
 te*nological capabilities1 & provide   

access to m div]se fund+ s\rces2 &  7#b7
 :at *anges to ,f$]al laws gov]n+ cr$it 
unions1 or to rules or guidance adopt$  
by ! ,national ,cr$it ,union            
,adm9i/ration1 may help promote         
effective p>tn]%ips betwe5 cr$it unions 
& f9ancial te*nology companies4  7b7    
,report ,n lat] ?an #a ye> aft] ! date (
 enactm5t ( ?is ,act1 ! ,national ,cr$it
 ,union ,adm9i/ration %all submit to    
,congress a report to ,congress conta9+ 
all f9d+s & det]m9ations made 9 c>ry+   
out ! /udy requir$ "u subsection 7a74