I 
113TH CONGRESS 
1ST SESSION H. R. 2672 
To amend the Dodd-Frank Wall Street Reform and Consumer Protection 
Act to provide for an application process for interested parties to apply 
for a county to be designated as a rural area, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JULY 11, 2013 
Mr. BARR introduced the following bill; which was referred to the Committee 
on Financial Services 
A BILL 
To amend the Dodd-Frank Wall Street Reform and Con-
sumer Protection Act to provide for an application proc-
ess for interested parties to apply for a county to be 
designated as a rural area, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘CFPB Rural Designa-
tion Petition and Correction Act’’. 
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SEC. 2. DESIGNATION OF COUNTY AS A RURAL AREA. 
Section 1022 of the Dodd-Frank Wall Street Reform 
and Consumer Protection Act (12 U.S.C. 5512) is amend-
ed by adding at the end the following new subsection: 
‘‘(e) DESIGNATION OF COUNTY AS A RURAL AREA.— 
‘‘(1) APPLICATION.—Not later than 90 days 
after the date of the enactment of this subsection, 
the Bureau shall establish an application process 
under which a person who lives or does business in 
a State may, with respect to a county in such State 
that has not been designated by the Bureau as a 
rural area for purposes of a Federal consumer finan-
cial law, apply for such county to be so designated. 
‘‘(2) EVALUATION CRITERIA.—When evaluating 
an application submitted under paragraph (1), the 
Bureau shall take into consideration the following 
factors: 
‘‘(A) Criteria used by the Director of the 
Bureau of the Census for classifying geo-
graphical areas as rural or urban. 
‘‘(B) Criteria used by the Director of the 
Office of Management and Budget to designate 
counties as metropolitan or micropolitan or nei-
ther. 
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‘‘(C) Criteria used by the Secretary of Ag-
riculture to determine property eligibility for 
rural development programs. 
‘‘(D) The Department of Agriculture rural- 
urban commuting area codes. 
‘‘(E) A written opinion provided by the 
State’s banking regulator. 
‘‘(F) Population density. 
‘‘(3) PUBLIC COMMENT PERIOD.— 
‘‘(A) IN
GENERAL.—Not later than 60 
days after receiving an application submitted 
under paragraph (1), the Bureau shall— 
‘‘(i) publish such application in the 
Federal Register; and 
‘‘(ii) make such application available 
for public comment for not fewer than 90 
days. 
‘‘(B) LIMITATION ON ADDITIONAL APPLI-
CATIONS.—Nothing in this subsection shall be 
construed to require the Bureau, during the 
public comment period with respect to an appli-
cation submitted under paragraph (1), to accept 
an additional application with respect to the 
county that is the subject of the initial applica-
tion. 
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‘‘(4) INFORMATION
REQUIRED
TO
BE
PUB-
LISHED.—The Bureau shall enter each application 
submitted under paragraph (1) in a sortable, 
downloadable database that is publicly accessible 
through the Web site of the Bureau. 
‘‘(5) DECISION
ON
DESIGNATION.—Not later 
than 90 days after the end of the public comment 
period under paragraph (3)(A) for an application, 
the Bureau shall— 
‘‘(A) grant or deny such application; and 
‘‘(B) publish such grant or denial in the 
Federal Register, along with an explanation of 
what factors the Bureau relied on in making 
such determination. 
‘‘(6) SUBSEQUENT APPLICATIONS.—A decision 
by the Bureau under paragraph (5) to deny an ap-
plication for a county to be designated as a rural 
area shall not preclude the Bureau from accepting a 
subsequent application submitted under paragraph 
(1) for such county to be so designated, so long as 
such subsequent application is made after the end of 
the 90-day period beginning on the date that the 
Bureau denies the application under paragraph 
(5).’’. 
Æ 
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