H. R. 4636—13
(C) in paragraph (3), by striking ‘‘the Bank Insurance 
Fund, the Savings Association Insurance Fund,’’ and 
inserting ‘‘the Deposit Insurance Fund’’; 
(16) in section 11A(b) (12 U.S.C. 1821a(b)), by striking 
paragraph (4); 
(17) in section 11A(f) (12 U.S.C. 1821a(f)), by striking 
‘‘Savings Association Insurance Fund’’ and inserting ‘‘Deposit 
Insurance Fund’’; 
(18) in section 12(f)(4)(E)(iv) (12 U.S.C. 1822(f)(4)(E)(iv)), 
by striking ‘‘Federal deposit insurance funds’’ and inserting 
‘‘the Deposit Insurance Fund (or any predecessor deposit insur-
ance fund)’’; 
(19) in section 13 (12 U.S.C. 1823)—
(A) by striking ‘‘deposit insurance fund’’ each place 
that term appears and inserting ‘‘Deposit Insurance Fund’’; 
(B) in subsection (a)(1), by striking ‘‘Bank Insurance 
Fund, the Savings Association Insurance Fund,’’ and 
inserting ‘‘Deposit Insurance Fund’’; 
(C) in subsection (c)(4)(E)—
(i) in the subparagraph heading, by striking 
‘‘funds’’ and inserting ‘‘fund’’; and 
(ii) in clause (i), by striking ‘‘any insurance fund’’ 
and inserting ‘‘the Deposit Insurance Fund’’; 
(D) in subsection (c)(4)(G)(ii)—
(i) by striking ‘‘appropriate insurance fund’’ and 
inserting ‘‘Deposit Insurance Fund’’; 
(ii) by striking ‘‘the members of the insurance fund 
(of which such institution is a member)’’ and inserting 
‘‘insured depository institutions’’; 
(iii) by striking ‘‘each member’s’’ and inserting 
‘‘each insured depository institution’s’’; and 
(iv) by striking ‘‘the member’s’’ each place that 
term appears and inserting ‘‘the institution’s’’; 
(E) in subsection (c), by striking paragraph (11); 
(F) in subsection (h), by striking ‘‘Bank Insurance 
Fund’’ and inserting ‘‘Deposit Insurance Fund’’; 
(G) in subsection (k)(4)(B)(i), by striking ‘‘Savings 
Association Insurance Fund member’’ and inserting 
‘‘savings association’’; and 
(H) in subsection (k)(5)(A), by striking ‘‘Savings 
Association Insurance Fund members’’ and inserting 
‘‘savings associations’’; 
(20) in section 14(a) (12 U.S.C. 1824(a)), in the 5th sen-
tence—
(A) by striking ‘‘Bank Insurance Fund or the Savings 
Association Insurance Fund’’ and inserting ‘‘Deposit Insur-
ance Fund’’; and 
(B) by striking ‘‘each such fund’’ and inserting ‘‘the 
Deposit Insurance Fund’’; 
(21) in section 14(b) (12 U.S.C. 1824(b)), by striking ‘‘Bank 
Insurance Fund or Savings Association Insurance Fund’’ and 
inserting ‘‘Deposit Insurance Fund’’; 
(22) in section 14(c) (12 U.S.C. 1824(c)), by striking para-
graph (3); 
(23) in section 14(d) (12 U.S.C. 1824(d))—
H. R. 4636—14
(A) by striking ‘‘Bank Insurance Fund member’’ each 
place that term appears and inserting ‘‘insured depository 
institution’’; 
(B) by striking ‘‘Bank Insurance Fund members’’ each 
place that term appears and inserting ‘‘insured depository 
institutions’’; 
(C) by striking ‘‘Bank Insurance Fund’’ each place that 
term appears (other than in connection with a reference 
to a term amended by subparagraph (A) or (B) of this 
paragraph) and inserting ‘‘Deposit Insurance Fund’’; 
(D) by striking the subsection heading and inserting 
the following: 
‘‘(d) BORROWING
FOR
THE DEPOSIT INSURANCE FUND FROM 
INSURED DEPOSITORY INSTITUTIONS.—’’; 
(E) in paragraph (3), in the paragraph heading, by 
striking ‘‘BIF’’ and inserting ‘‘THE
DEPOSIT
INSURANCE 
FUND’’; and 
(F) in paragraph (5), in the paragraph heading, by 
striking ‘‘BIF MEMBERS’’ and inserting ‘‘INSURED DEPOSITORY 
INSTITUTIONS’’; 
(24) in section 14 (12 U.S.C. 1824), by adding at the end 
the following new subsection: 
‘‘(e) BORROWING FOR THE DEPOSIT INSURANCE FUND FROM FED-
ERAL HOME LOAN BANKS.—
‘‘(1) IN GENERAL.—The Corporation may borrow from the 
Federal home loan banks, with the concurrence of the Federal 
Housing Finance Board, such funds as the Corporation con-
siders necessary for the use of the Deposit Insurance Fund. 
‘‘(2) TERMS AND CONDITIONS.—Any loan from any Federal 
home loan bank under paragraph (1) to the Deposit Insurance 
Fund shall—
‘‘(A) bear a rate of interest of not less than the current 
marginal cost of funds to that bank, taking into account 
the maturities involved; 
‘‘(B) be adequately secured, as determined by the Fed-
eral Housing Finance Board; 
‘‘(C) be a direct liability of the Deposit Insurance Fund; 
and 
‘‘(D) be subject to the limitations of section 15(c).’’; 
(25) in section 15(c)(5) (12 U.S.C. 1825(c)(5))—
(A) by striking ‘‘the Bank Insurance Fund or Savings 
Association Insurance Fund, respectively’’ each place that 
term appears and inserting ‘‘the Deposit Insurance Fund’’; 
and 
(B) in subparagraph (B), by striking ‘‘the Bank Insur-
ance Fund or the Savings Association Insurance Fund, 
respectively’’ and inserting ‘‘the Deposit Insurance Fund’’; 
(26) in section 17(a) (12 U.S.C. 1827(a))—
(A) in the subsection heading, by striking ‘‘BIF, SAIF,’’ 
and inserting ‘‘THE DEPOSIT INSURANCE FUND’’; and 
(B) in paragraph (1)—
(i) by striking ‘‘the Bank Insurance Fund, the 
Savings Association Insurance Fund,’’ each place that 
term appears and inserting ‘‘the Deposit Insurance 
Fund’’; and 
(ii) in subparagraph (D), by striking ‘‘each insur-
ance fund’’ and inserting ‘‘the Deposit Insurance Fund’’;
H. R. 4636—15
(27) in section 17(d) (12 U.S.C. 1827(d)), by striking ‘‘, 
the Bank Insurance Fund, the Savings Association Insurance 
Fund,’’ each place that term appears and inserting ‘‘the Deposit 
Insurance Fund’’; 
(28) in section 18(m)(3) (12 U.S.C. 1828(m)(3))—
(A) by striking ‘‘Savings Association Insurance Fund’’ 
in the 1st sentence of subparagraph (A) and inserting 
‘‘Deposit Insurance Fund’’; 
(B) by striking ‘‘Savings Association Insurance Fund 
member’’ in the last sentence of subparagraph (A) and 
inserting ‘‘savings association’’; and 
(C) by striking ‘‘Savings Association Insurance Fund 
or the Bank Insurance Fund’’ in subparagraph (C) and 
inserting ‘‘Deposit Insurance Fund’’; 
(29) in section 18(o) (12 U.S.C. 1828(o)), by striking ‘‘deposit 
insurance funds’’ and ‘‘deposit insurance fund’’ each place those 
terms appear and inserting ‘‘Deposit Insurance Fund’’; 
(30) in section 18(p) (12 U.S.C. 1828(p)), by striking ‘‘deposit 
insurance funds’’ and inserting ‘‘Deposit Insurance Fund’’; 
(31) in section 24 (12 U.S.C. 1831a)—
(A) in subsections (a)(1) and (d)(1)(A), by striking 
‘‘appropriate deposit insurance fund’’ each place that term 
appears and inserting ‘‘Deposit Insurance Fund’’; 
(B) in subsection (e)(2)(A), by striking ‘‘risk to’’ and 
all that follows through the period and inserting ‘‘risk 
to the Deposit Insurance Fund.’’; and 
(C) in subsections (e)(2)(B)(ii) and (f)(6)(B), by striking 
‘‘the insurance fund of which such bank is a member’’ 
each place that term appears and inserting ‘‘the Deposit 
Insurance Fund’’; 
(32) in section 28 (12 U.S.C. 1831e), by striking ‘‘affected 
deposit insurance fund’’ each place that term appears and 
inserting ‘‘Deposit Insurance Fund’’; 
(33) by striking section 31 (12 U.S.C. 1831h); 
(34) in section 36(i)(3) (12 U.S.C. 1831m(i)(3)), by striking 
‘‘affected deposit insurance fund’’ and inserting ‘‘Deposit Insur-
ance Fund’’; 
(35) in section 37(a)(1)(C) (12 U.S.C. 1831n(a)(1)(C)), by 
striking ‘‘insurance funds’’ and inserting ‘‘Deposit Insurance 
Fund’’; 
(36) in section 38 (12 U.S.C. 1831o), by striking ‘‘the deposit 
insurance fund’’ each place that term appears and inserting 
‘‘the Deposit Insurance Fund’’; 
(37) in section 38(a) (12 U.S.C. 1831o(a)), in the subsection 
heading, by striking ‘‘FUNDS’’ and inserting ‘‘FUND’’; 
(38) in section 38(k) (12 U.S.C. 1831o(k))—
(A) in paragraph (1), by striking ‘‘a deposit insurance 
fund’’ and inserting ‘‘the Deposit Insurance Fund’’; 
(B) in paragraph (2), by striking ‘‘A deposit insurance 
fund’’ and inserting ‘‘The Deposit Insurance Fund’’; and 
(C) in paragraphs (2)(A) and (3)(B), by striking ‘‘the 
deposit insurance fund’s outlays’’ each place that term 
appears and inserting ‘‘the outlays of the Deposit Insurance 
Fund’’; and 
(39) in section 38(o) (12 U.S.C. 1831o(o))—