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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 
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
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(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-
tions as it deems necessary to imple-
ment this clause. In prescribing such 
regulations, defining terms, and set-
ting the appropriate assessment rate 
or rates, the Corporation shall estab-
lish rates sufficient to cover the losses 
incurred as a result of the actions of 
the Corporation under clause (i) and 
shall consider: the types of entities 
that benefit from any action taken or 
assistance provided under this sub-
paragraph; economic conditions, the
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effects on the industry, and such 
other factors as the Corporation 
deems appropriate and relevant to the 
action taken or the assistance pro-
vided. Any funds so collected that ex-
ceed actual losses shall be placed in 
the Deposit Insurance Fund.’’. 
(e) ESTABLISHMENT OF A NATIONAL CREDIT UNION 
SHARE
INSURANCE
FUND
RESTORATION
PLAN
PE-
RIOD.—Section 202(c)(2) of the Federal Credit Union Act 
(12 U.S.C. 1782(c)(2)) is amended by adding at the end 
the following new subparagraph: 
‘‘(D) FUND RESTORATION PLANS.— 
‘‘(i) IN GENERAL.—Whenever— 
‘‘(I) the Board projects that the 
equity ratio of the Fund will, within 6 
months of such determination, fall 
below the minimum amount specified 
in subparagraph (C) for the des-
ignated equity ratio; or 
‘‘(II) the equity ratio of the Fund 
actually falls below the minimum 
amount specified in subparagraph (C) 
for the equity ratio without any deter-
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mination under sub-clause (I) having 
been made, 
the Board shall establish and implement a 
Share Insurance Fund restoration plan 
within 90 days that meets the require-
ments of clause (ii) and such other condi-
tions as the Board determines to be appro-
priate. 
‘‘(ii) REQUIREMENTS
OF
RESTORA-
TION PLAN.—A Share Insurance Fund res-
toration plan meets the requirements of 
this clause if the plan provides that the eq-
uity ratio of the Fund will meet or exceed 
the minimum amount specified in subpara-
graph (C) for the designated equity ratio 
before the end of the 5-year period begin-
ning upon the implementation of the plan 
(or such longer period as the Board may 
determine to be necessary due to extraor-
dinary circumstances). 
‘‘(iii) 
TRANSPARENCY.—Not 
more 
than 30 days after the Board establishes 
and implements a restoration plan under 
clause (i), the Board shall publish in the 
Federal Register a detailed analysis of the