HR 1106 RFS 
(1) in subsection (b)— 
(A) in paragraph (1)— 
(i) in the matter preceding subpara-
graph (A), by inserting ‘‘or any of its own-
ers, officers, or directors’’ after ‘‘mort-
gagee or lender’’; 
(ii) in subparagraph (H), by striking 
‘‘title I’’ and all that follows through ‘‘Act 
of 1989)’’ and inserting ‘‘title I or II’’; and 
(iii) by inserting after subparagraph 
(J) the following: 
‘‘(K) Violation of section 202(d) of this 
Act (12 U.S.C. 1708(d)).’’; and 
(B) in paragraph (2)— 
(i) in subparagraph (B), by striking 
‘‘or’’ at the end; 
(ii) in subparagraph (C), by striking 
the period at the end and inserting ‘‘; or’’; 
and 
(iii) by adding at the end the fol-
lowing new subparagraph: 
‘‘(D) causing or participating in any of the 
violations set forth in paragraph (1) of this sub-
section.’’; and 
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HR 1106 RFS 
(2) in subsection (g), by striking ‘‘The term’’ 
and all that follows through the end of the sentence 
and inserting ‘‘For purposes of this section, a person 
acts knowingly when a person has actual knowledge 
of acts or should have known of the acts.’’. 
(e) EXPANDED REVIEW OF FHA MORTGAGEE AP-
PLICANTS AND NEWLY APPROVED MORTGAGEES.—Not 
later than the expiration of the 3-month period beginning 
upon the date of the enactment of this Act, the Secretary 
of Housing and Urban Development shall— 
(1) expand the existing process for reviewing 
new applicants for approval for participation in the 
mortgage insurance programs of the Secretary for 
mortgages on 1- to 4-family residences for the pur-
pose of identifying applicants who represent a high 
risk to the Mutual Mortgage Insurance Fund; and 
(2) implement procedures that, for mortgagees 
approved during the 12-month period ending upon 
such date of enactment— 
(A) expand the number of mortgages origi-
nated by such mortgagees that are reviewed for 
compliance with applicable laws, regulations, 
and policies; and 
(B) include a process for random reviews 
of such mortgagees and a process for reviews 
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that is based on volume of mortgages originated 
by such mortgagees. 
SEC. 204. ENHANCEMENT OF LIQUIDITY AND STABILITY OF 
INSURED DEPOSITORY INSTITUTIONS TO EN-
SURE AVAILABILITY OF CREDIT AND REDUC-
TION OF FORECLOSURES. 
(a) PERMANENT INCREASE
IN DEPOSIT INSUR-
ANCE.— 
(1) AMENDMENTS
TO
FEDERAL
DEPOSIT
IN-
SURANCE ACT.—Effective upon the date of the en-
actment of this Act, section 11(a) of the Federal De-
posit Insurance Act (12 U.S.C. 1821(a)) is amend-
ed— 
(A) in paragraph (1)(E), by striking 
‘‘$100,000’’ and inserting ‘‘$250,000’’; 
(B) in paragraph (1)(F)(i), by striking 
‘‘2010’’ and inserting ‘‘2015’’; 
(C) 
in 
subclause 
(I) 
of 
paragraph 
(1)(F)(i), by striking ‘‘$100,000’’ and inserting 
‘‘$250,000’’; 
(D) 
in 
subclause 
(II) 
of 
paragraph 
(1)(F)(i), by striking ‘‘the calendar year pre-
ceding the date this subparagraph takes effect 
under the Federal Deposit Insurance Reform 
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Act of 2005’’ and inserting ‘‘calendar year 
2008’’; and 
(E) in paragraph (3)(A), by striking ‘‘, ex-
cept that $250,000 shall be substituted for 
$100,000 wherever such term appears in such 
paragraph’’. 
(2) AMENDMENT TO FEDERAL CREDIT UNION 
ACT.—Section 207(k) of the Federal Credit Union 
Act (12 U.S.C. 1787(k)) is amended— 
(A) in paragraph (3)— 
(i) by striking the opening quotation 
mark before ‘‘$250,000’’; 
(ii) 
by 
striking 
‘‘, 
except 
that 
$250,000 shall be substituted for $100,000 
wherever such term appears in such sec-
tion’’; and 
(iii) by striking the closing quotation 
mark after the closing parenthesis; and 
(B) 
in 
paragraph 
(5), 
by 
striking 
‘‘$100,000’’ and inserting ‘‘$250,000’’. 
(3) REPEAL OF EESA PROVISION.—Section 136 
of the Emergency Economic Stabilization Act (12 
U.S.C. 5241) is hereby repealed. 
(b) EXTENSION OF RESTORATION PLAN PERIOD.— 
Section 7(b)(3)(E)(ii) of the Federal Deposit Insurance 
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