,,ii  #aai? ,,congress  #b;d ,session   
,s4 #edeb  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,septemb] #bb1         
#bjbf,mrs4 ,britt introduc$ ! foll[+    
bill2 :i* 0 read twice & ref]r$ to !    
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs  ,a ,,bill  ,to am5d !         
,f9ancial ,/ability ,act ( #bjaj to     
provide = tailor+ & index+ enhanc$      
regulations4  #a4 ,tailor+ & ,index+    
,enhanc$ ,regulations  7a7 ,initial     
?re%old adju/m5ts  7#a7 ,bank hold+     
company act ( #aief ,section            
#d7k77#f77;,b77ii7 ( ! ,bank ,hold+     
,company ,act ( #aief 7#ab ,u4,s4,c4    
#ahdc7k77#f77;,b77ii77 is am5d$1 by     
/rik+ #aj1jjj1jjj1jjj & ins]t+          
#ae1jjj1jjj1jjj4  7#b7 ,economic gr[?1  
regulatory relief1 & consum] protection 
act ,section #dja7;f7 ( ! ,economic     
,gr[?1 ,regulatory ,relief1 & ,consum]  
,protection ,act 7#ab ,u4,s4,c4 #ecfe   
note7 is am5d$ by /rik+ #bej1jjj1jjj1jjj
 & ins]t+ #cgj1jjj1jjj1jjj4  7#c7 ,f$]al
 res]ve act ,! second subsection 7s7    

7relat+ to assessm5ts7 ( section #aa ( !
 ,f$]al ,res]ve ,act 7#ab ,u4,s4,c4     
#bdh7s77 is am5d$-- 7,a7 9 p>agraph     
7#b71 by /rik+ #ajj1jjj1jjj1jjj ea*     
place ! t]m appe>s & ins]t+             
#aej1jjj1jjj1jjj2 &  7,b7 9 p>agraph    
7#c71 by /rik+ #ajj1jjj1jjj1jjj &       
#bej1jjj1jjj1jjj & ins]t+               
#aej1jjj1jjj1jjj & #cgj1jjj1jjj1jjj4    
7#d7 ,f9ancial /ability act ( #bjaj ,!  
,f9ancial ,/ability ,act ( #bjaj 7#ab   
,u4,s4,c4 #ecaa et seq47 is am5d$-- 7,a7
 9 section #aaf7;a7 7#ab ,u4,s4,c4      
#ecbf7;a771 by /rik+ #bej1jjj1jjj1jjj & 
ins]t+ #cgj1jjj1jjj1jjj2  7,b7 9 section
 #aba7;a7 7#ab ,u4,s4,c4 #ecca7;a771 by 
/rik+ #bej1jjj1jjj1jjj & ins]t+         
#cgj1jjj1jjj1jjj2  7,c7 9 section       
#afc7;b7 7#ab ,u4,s4,c4 #ecfc7;b77-- 7i7
 by /rik+ #bej1jjj1jjj1jjj ea* place t  
t]m appe>s & ins]t+ #cgj1jjj1jjj1jjj2 & 
7ii7 by /rik+ #aj1jjj1jjj1jjj & ins]t+  
#ae1jjj1jjj1jjj2  7,d7 9 section #afd   
7#ab ,u4,s4,c4 #ecfd71 by /rik+         
#bej1jjj1jjj1jjj & ins]t+               

#cgj1jjj1jjj1jjj2 &  7,e7 9 section #afe
 7#ab ,u4,s4,c4 #ecfe7-- 7i7 9          
subsection 7a7-- 7,i7 9 p>agraph 7#a71  
by /rik+ #bej1jjj1jjj1jjj & ins]t+      
#cgj1jjj1jjj1jjj2 &  7,,ii7 9 p>agraph  
7#b77;,c71 by /rik+ #ajj1jjj1jjj1jjj &  
ins]t+ #aej1jjj1jjj1jjj2  7ii7 9        
subsection 7h77#b71 by /rik+            
#ej1jjj1jjj1jjj ea* place t t]m appe>s &
 ins]t+ #ge1jjj1jjj1jjj2  7iii7 9       
subsection 7i77#b77;,a71 by /rik+       
#bej1jjj1jjj1jjj & ins]t+               
#cgj1jjj1jjj1jjj2 &  7iv7 9 subsection  
7j77#a71 by /rik+ #bej1jjj1jjj1jjj &    
ins]t+ #cgj1jjj1jjj1jjj4  7b7 ,p]iodic  
adju/m5ts to ?re%olds ,! ,f9ancial      
,/ability ,act ( #bjaj 7#ab ,u4,s4,c4   
#ecaa et seq47 is am5d$ by add+ at ! end
 ! foll[+3  #agg4 ,p]iodic adju/m5ts to 
?re%olds  7a7 ,9 g5]al  7#a7 ,adju/m5t  
,n lat] ?an #a ye> aft] ! date (        
enactm5t ( ?is section1 & e #e ye>s     
!reaft]1 ! ,bo>d ( ,gov]nors %all       
increase ea* ?re%old describ$ 9         
subsection 7b7 by ! ratio1 if great] ?an

 #a1 ( ! annual value ( ! economic      
indicator select$ by ! ,bo>d ( ,gov]nors
 z appropriate = t ?re%old "u p>agraph  
7#b77;,b7 = ! cal5d> ye> prec$+ ! ye> 9 
:i* ! adju/m5t is calculat$ "u ?is      
section1 to ! publi%$ annual value ( su*
 economic indicator = ! cal5d> ye>      
prec$+ ,april #a1 #bjbf4  7#b7          
,selection ( economic indicators ,n lat]
 ?an #c mon?s aft] ! date ( enactm5t (  
?is section1 ! ,bo>d ( ,gov]nors %all-- 
7,a7 complete a /udy on ! advantages &  
disadvantages ( ! use ( ei!r nom9al     
,unit$ ,/ates gross dome/ic product 7z  
publi%$ by ! ,dep>tm5t ( ,comm]ce7 or ! 
,consum] ,price ,index 7z publi%$ by !  
,dep>tm5t ( ,labor7 to adju/ p]iodically
 ! quantitative regulatory ?re%olds     
describ$ 9 subsection 7b72  7,b7 = ea*  
?re%old describ$ 9 subsection 7b71      
select ei!r nom9al ,unit$ ,/ates gross  
dome/ic product 7z publi%$ by !         
,dep>tm5t ( ,comm]ce7 or ! ,consum]     
,price ,index 7z publi%$ by ! ,dep>tm5t 
( ,labor7 z appropriate = adju/+ su*    

?re%old2  7,c7 transmit a report to !   
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives & ! ,committee  
on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! 
,s5ate conta9+-- 7i7 all f9d+s &        
det]m9ations made 9 c>ry+ out ! /udy    
requir$ "u subp>agraph 7,a72 &  7ii7 all
 selections made "u subp>agraph 7,b74   
7b7 ,cov]$ ?re%olds ,! ?re%olds describ$
 9 ?is subsection are ! foll[+3 7#a7    
,ea* bank hold+ company or sav+s & loan 
hold+ company total consolidat$ asset   
am\nt 9 ! second subsection 7s7 7relat+ 
to assessm5ts7 ( section #aa ( ! ,f$]al 
,res]ve ,act 7#ab ,u4,s4,c4 #bdh74  7#b7
 ,ea* bank hold+ company total          
consolidat$ asset am\nt 9-- 7,a7        
sections #aaf7;a71 #aba7;a71 #afc7;b71  
#afd1 #afe7;a77#a71 #afe7;a77#b77;,c71  
#afe7;h77#b71 #afe7;j77#a7 ( ?is ,act2 &
  7,b7 section #dja7;f7 ( ! ,economic   
,gr[?1 ,regulatory ,relief1 & ,consum]  
,protection ,act 7#ab ,u4,s4,c4 #ecfe   
note74  7#c7 ,ea* f9ancial company total
 consolidat$ asset am\nt 9 section      

#afe7;i77#b77;,a7 ( ?is ,act4  7c7      
,curr5cy ( in=mation ,! values us$ 9 !  
calculation "u subsection 7a7 %all be1 z
 ( ! date ( ! calculation1 ! values mo/ 
rec5tly publi%$ by ! ,dep>tm5t (        
,comm]ce or ,dep>tm5t ( ,labor1 z       
appropriate4  7d7 ,r\nd+  7#a7 ,great]  
?an #ajj1jjj1jjj1jjj ,if any am\nt equal
 to or great] ?an #ajj1jjj1jjj1jjj      
det]m9$ "u subsection 7a7 = any p]iod is
 n a multiple ( #ej1jjj1jjj1jjj1 ! am\nt
 %all be r\nd$ up to ! ne>e/            
#ej1jjj1jjj1jjj4  7#b7 ,less ?an        
#ajj1jjj1jjj1jjj ,if any am\nt less ?an 
#ajj1jjj1jjj1jjj det]m9$ "u subsection  
7a7 = any p]iod is n a multiple (       
#e1jjj1jjj1jjj1 ! am\nt %all be r\nd$ up
 to ! ne>e/ #e1jjj1jjj1jjj4  7e7        
,publication ,n lat] ?an ,april #e ( any
 cal5d> ye> 9 :i* an adju/m5t is requir$
 to be calculat$ "u subsection 7a71 !   
,bo>d ( ,gov]nors %all publi% 9 ! ,f$]al
 ,regi/] ! am\nts z s calculat$4  7f7   
,implem5tation p]iod ,any increase 9    
am\nts det]m9$ "u subsection 7a7 %all   

take effect on ,janu>y #a ( ! ye>       
imm$iately succe$+ ! cal5d> ye> 9 :i* ! 
increase is requir$ to be calculat$ "u  
subsection 7a74  #agh4 ,p]iodic         
adju/m5ts to ?re%olds e/abli%$ by rule  
7a7 ,ag5cy review ,n lat] ?an #ahj days 
aft] ! date ( enactm5t ( ?is ,act1 & !  
#a/ day ( ea* subsequ5t #e-ye> p]iod1 ! 
,bo>d ( ,gov]nors1 ! ,comptroll] ( !    
,curr5cy1 & ! ,corporation %all1 to !   
ext5t applicable1 review-- 7#a7 any     
regulation-- 7,a7 implem5t+ section #afe
 ( ?is ,act2 or  7,b7 mak+ specific     
cross-ref]5ce to any regulation ( !     
,bo>d ( ,gov]nors implem5t+ section #afe
 ( ?is ,act2 &  7#b7 any asset ?re%old  
or o!r quantitative ?re%old 9 su*       
regulations implem5t+ section #afe ( ?is
 ,act1 or 9 su* regulations mak+        
specific cross-ref]5ce to any regulation
 ( ! ,bo>d ( ,gov]nors implem5t+ section
 #afe ( ?is ,act1 ! am\nt ( :i* is n    
prescrib$ by /atute4  7b7 ,modifications
 requir$ ,! ,bo>d ( ,gov]nors1 !        
,comptroll] ( ! ,curr5cy1 & !           

,corporation %all modify any su*        
?re%olds id5tifi$ by ea* review conduct$
 "u subsection 7a7 by ! ratio1 if great]
 ?an #a1 ( ! annual value ( ! economic  
indicator select$ by ! ag5cy z          
appropriate = t ?re%old "u p>agraph 7#a7
 = ! cal5d> ye> prec$+ ! ye> 9 :i* !    
adju/m5t is calculat$ "u ?is section1 to
 ! publi%$ annual value ( su* economic  
indicator = ! cal5d> ye> prec$+ !       
effective date ( su* ?re%old1 z ea*     
respective ag5cy %all det]m9e z         
appropriate = su* regulations4 ,9 mak+  
su* det]m9ation1 ! ,bo>d ( ,gov]nors1 ! 
,comptroll] ( ! ,curr5cy1 & !           
,corporation %all-- 7#a7 n lat] ?an #c  
mon?s aft] ! date ( enactm5t ( ?is      
subsection1 = ea* ?re%old id5tifi$ by   
ea* review conduct$ "u subsection 7a71  
select ei!r nom9al ,unit$ ,/ates gross  
dome/ic product 7z publi%$ by !         
,dep>tm5t ( ,comm]ce7 or ! ,consum]     
,price ,index 7z publi%$ by ! ,dep>tm5t 
( ,labor7 z appropriate = adju/+ su*    
?re%old1 & use ! values ( su* select$   

economic indicator mo/ rec5tly publi%$ z
 ( ! date ( comm5cem5t ( ! review to    
compute ! ratio describ$ 9 ?is          
subsection2  7#b7 seek to e/abli%1 to ! 
ext5t feasible1 uni=m ?re%olds = use by 
ea* su* ag5cy1 tak+ into acc\nt !       
entities regulat$ by ea* su* ag5cy & !  
purposes = :i* su* ?re%old 0 e/abli%$2 &
  7#c7 seek to adju/ su* ?re%olds1 to ! 
ext5t feasible1 ) r\nd+ consi/5t )      
section #agg7;d7 ( ?is ,act4  7c7       
,report ,^u conclusion ( ea* review     
requir$ "u subsection 7a71 ea* ( ! ,bo>d
 ( ,gov]nors1 ! ,comptroll] ( !         
,curr5cy1 & ! ,corporation %all transmit
 a report to ! ,committee on ,f9ancial  
,s]vices ( ! ,h\se ( ,repres5tatives & !
 ,committee on ,bank+1 ,h\s+1 & ,urban  
,affairs ( ! ,s5ate conta9+ a           
description ( any modification ( any    
regulation su* ag5cy made pursuant to   
subsection 7b74  4  7c7 ,cl]ical am5dm5t
 ,! table ( cont5ts 9 section #a7;b7 ( !
 ,dodd-,frank ,wall ,/reet ,re=m &      
,consum] ,protection ,act is am5d$ by   

ins]t+ aft] ! item relat+ to section    
#agf ! foll[+3  ,sec4 #agg4 ,p]iodic    
adju/m5ts to ?re%olds4,sec4 #agh4       
,p]iodic adju/m5ts to ?re%olds e/abli%$ 
by rule4  4