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 
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— 
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(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 
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 
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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U.S.C. 5241) is hereby repealed.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 
Act (12 U.S.C. 1817(b)(3)(E)(ii)) is amended by striking 
‘‘5-year period’’ and inserting ‘‘8-year period’’. 
(c) FDIC AND NCUA BORROWING AUTHORITY.— 
(1) FDIC.—Section 14(a) of the Federal De-
posit Insurance Act (12 U.S.C. 1824(a)) is amended 
by 
striking 
‘‘$30,000,000,000’’ 
and 
inserting 
‘‘$100,000,000,000’’. 
(2) NCUA.—Section 203(d)(1) of the Federal 
Credit Union Act (12 U.S.C. 1783(d)(1)) is amend-
ed by striking ‘‘$100,000,000’’ and inserting 
‘‘$6,000,000,000’’. 
(d) EXPANDING SYSTEMIC RISK SPECIAL ASSESS-
MENTS.—Section 13(c)(4)(G)(ii) of the Federal Deposit 
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Insurance Act (12 U.S.C. 1823(c)(4)(G)(ii)) is amended 
to read as follows: 
‘‘(ii) REPAYMENT OF LOSS.— 
‘‘(I) IN GENERAL.—The Corpora-
tion shall recover the loss to the De-
posit Insurance Fund arising from 
any action taken or assistance pro-
vided with respect to an insured de-
pository institution under clause (i) 
from 1 or more special assessments on 
insured depository institutions, deposi-
tory institution holding companies 
(with the concurrence of the Secretary 
of the Treasury with respect to hold-
ing companies), or both, as the Cor-
poration determines to be appropriate. 
‘‘(II) TREATMENT
OF
DEPOSI-
TORY INSTITUTION HOLDING COMPA-
NIES.—For purposes of this clause, 
sections 7(c)(2) and 18(h) shall apply 
to depository institution holding com-
panies as if they were insured deposi-
tory institutions. 
‘‘(III) REGULATIONS.—The Cor-
poration shall prescribe such regula-
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