2337 
threats to regional and national security through a whole- 
of-government approach. 
(b) FEASIBILITY STUDY.—Not later than 90 days after 
the date of the enactment of this Act, the Secretary of State, 
in consultation with the Secretary of Defense, shall conduct 
a feasibility study regarding the provision of United States 
assistance for infrastructure, training, equipment, and 
other forms of support to institutionalize the International 
Counterterrorism Academy (Acade´mie Internationale de 
Lutte Contre le Terrorisme or AILCT) in Jacqueville, Coˆte 
d’Ivoire that— 
(1) provides a legal analysis of existing authori-
ties to provide United States foreign assistance dedi-
cated to the development and establishment of AILCT 
programs, initiatives, and infrastructure for the pur-
poses of training, equipping, and mentoring eligible 
West African security services bilaterally or in coordi-
nation with partners and allies; 
(2) identifies opportunities for the United States 
to leverage and support the AILCT facility to pursue 
national security interests in West Africa, the Sahel, 
sub-Saharan Africa, and the strategic Atlantic Ocean 
coastal 
and 
maritime 
environments, 
including 
through training and research activities, infrastruc-
ture development, combatting transnational terrorist 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02337
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2338 
and organized crime threats, and countering foreign 
malign influence throughout the region; and 
(3) assesses any planned and pledged contribu-
tions from other countries to ensure appropriate 
sustainment of the facilities and burden sharing. 
(c) FORMS.—The feasibility study required by sub-
section (b) shall be submitted in unclassified form, but may 
contain a classified annex. 
(d) APPROPRIATE CONGRESSIONAL COMMITTEES DE-
FINED.—In this section, the term ‘‘appropriate congres-
sional committees’’ means— 
(1) the Committee on Foreign Relations, the 
Committee on Armed Services, and the Committee on 
Appropriations of the Senate; and 
(2) the Committee on Foreign Affairs, the Com-
mittee on Armed Services, and the Committee on Ap-
propriations of the House of Representatives. 
SEC. 5599B. CONSULTATIONS ON REUNITING KOREAN 
AMERICANS 
WITH 
FAMILY 
MEMBERS 
IN 
NORTH KOREA. 
(a) CONSULTATIONS.— 
(1) CONSULTATIONS WITH SOUTH KOREA.—The 
Secretary of State, or a designee of the Secretary, 
should consult with officials of South Korea, as ap-
propriate, on potential opportunities to reunite Ko-
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02338
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2339 
rean American families with family members in 
North Korea from which such Korean American fami-
lies were divided after the signing of the Korean War 
Armistice Agreement, including potential opportuni-
ties for video reunions for Korean Americans with 
such family members. 
(2) CONSULTATIONS
WITH
KOREAN
AMERI-
CANS.—The Special Envoy on North Korean Human 
Rights Issues of the Department of State should regu-
larly consult with representatives of Korean Ameri-
cans who have family members in North Korea with 
respect to efforts to reunite families divided after the 
signing of the Korean War Armistice Agreement, in-
cluding potential opportunities for video reunions for 
Korean Americans with such family members. 
(b) REPORT.—Not later than 120 days after the date 
of the enactment of this Act, and annually thereafter for 
three years, the Secretary of State, acting through the Spe-
cial Envoy on North Korean Human Rights Issues or other 
appropriate designee, shall submit to the Committee on For-
eign Affairs of the House of Representatives and the Com-
mittee on Foreign Relations of the Senate a report on the 
consultations conducted pursuant to this section during the 
preceding year. 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02339
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2340 
Subtitle I—Sense of Congress 
Provisions 
SEC. 5599C. SENSE OF CONGRESS REGARDING THE STATUS 
OF CHINA. 
It is the sense of Congress that— 
(1) the People’s Republic of China is a fully in-
dustrialized nation and no longer a developing na-
tion; and 
(2) any international agreement that provides or 
accords China a favorable status or treatment as a 
‘‘developing nation’’ should be updated to reflect the 
status of China. 
SEC. 5599D. SENSE OF CONGRESS REGARDING ISRAEL. 
It is the sense of Congress that— 
(1) since 1948, Israel has been one of the strong-
est friends and allies of the United States; 
(2) Israel is a stable, democratic country in a re-
gion often marred by turmoil; 
(3) it is essential to the strategic interest of the 
United States to continue to offer security assistance 
and related support to Israel; and 
(4) such assistance and support is especially 
vital as Israel confronts a number of potential chal-
lenges at the present time, including continuing 
threats from Iran. 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02340
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2341 
SEC. 5599E. SENSE OF CONGRESS RELATING TO THE NATO 
PARLIAMENTARY ASSEMBLY. 
It is the sense of Congress that the United States 
should— 
(1) proactively engage with the North Atlantic 
Treaty Organization (NATO) Parliamentary Assem-
bly (PA) and its member delegations; 
(2) communicate with and educate the public on 
the benefits and importance of NATO and NATO PA; 
and 
(3) support increased inter-democracy and inter- 
parliamentary cooperation on countering misin-
formation and disinformation. 
SEC. 5599F. CONDEMNING DETENTION AND INDICTMENT 
OF RUSSIAN OPPOSITION LEADER VLADIMIR 
VLADIMIROVICH KARA-MURZA. 
(a) FINDINGS.—Congress finds the following: 
(1) Vladimir Vladimirovich Kara-Murza (re-
ferred to in this section as ‘‘Mr. Kara-Murza’’) has 
tirelessly worked for decades to advance the cause of 
freedom, democracy, and human rights for the people 
of the Russian Federation. 
(2) In retaliation for his advocacy, two attempts 
have been made on Mr. Kara-Murza’s life, as— 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02341
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2342 
(A) on May 26, 2015, Mr. Kara-Murza fell 
ill with symptoms indicative of poisoning and 
was hospitalized; and 
(B) on February 2, 2017, he fell ill with 
similar symptoms and was placed in a medi-
cally induced coma. 
(3) Independent investigations conducted by 
Bellingcat, the Insider, and Der Spiegel found that 
the same unit of the Federal Security Service of the 
Russian Federation responsible for poisoning Mr. 
Kara-Murza was responsible for poisoning Russian 
opposition leader Alexei Navalny and activists Timur 
Kuashev, Ruslan Magomedragimov, and Nikita 
Isayev. 
(4) On February 24, 2022, Vladimir Putin 
launched another unprovoked, unjustified, and illegal 
invasion into Ukraine in contravention of the obliga-
tions freely undertaken by the Russian Federation to 
respect the territorial integrity of Ukraine under the 
Budapest Memorandum of 1994, the Minsk protocols 
of 2014 and 2015, and international law. 
(5) On March 5, 2022, Vladimir Putin signed a 
law criminalizing the distribution of truthful state-
ments about the invasion of Ukraine by the Russian 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02342
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2343 
Federation and mandating up to 15 years in prison 
for such offenses. 
(6) Since February 24, 2022, Mr. Kara-Murza 
has used his voice and platform to join more than 
15,000 citizens of the Russian Federation in peace-
fully protesting the war against Ukraine and millions 
more who silently oppose the war. 
(7) On April 11, 2022, five police officers ar-
rested Mr. Kara-Murza in front of his home and de-
nied his right to an attorney, and the next day Mr. 
Kara-Murza was sentenced to 15 days in prison for 
disobeying a police order. 
(8) On April 22, 2022, the Investigative Com-
mittee of the Russian Federation charged Mr. Kara- 
Murza with violations under the law signed on March 
5, 2022, for his fact-based statements condemning the 
invasion of Ukraine by the Russian Federation. 
(9) Mr. Kara-Murza was then placed into pre-
trial detention and ordered to be held until at least 
June 12, 2022. 
(10) If convicted of those charges, Mr. Kara- 
Murza faces detention in a penitentiary system that 
human rights nongovernmental organizations have 
criticized for widespread torture, ill-treatment, and 
suspicious deaths of prisoners. 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02343
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2344 
(b) SENSE OF CONGRESS.—It is the sense of Congress 
that Congress— 
(1) condemns the unjust detention and indicting 
of Russian opposition leader Vladimir Vladimirovich 
Kara-Murza, who has courageously stood up to op-
pression in the Russian Federation; 
(2) 
expresses 
solidarity 
with 
Vladimir 
Vladimirovich Kara-Murza, his family, and all indi-
viduals in the Russian Federation imprisoned for ex-
ercising their fundamental freedoms of speech, assem-
bly, and belief; 
(3) urges the United States Government and 
other allied governments to work to secure the imme-
diate release of Vladimir Vladimirovich Kara-Murza, 
Alexei Navalny, and other citizens of the Russian 
Federation imprisoned for opposing the regime of 
Vladimir Putin and the war against Ukraine; and 
(4) calls on the President to increase support 
provided by the United States Government for those 
advocating for democracy and independent media in 
the 
Russian 
Federation, 
which 
Vladimir 
Vladimirovich Kara-Murza has worked to advance. 
SEC. 5599G. SENSE OF CONGRESS REGARDING DEVELOP-
MENT OF NUCLEAR WEAPONS BY IRAN. 
Congress— 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02344
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2345 
(1) reiterates its commitment to ensuring Iran 
will never acquire a nuclear weapon; 
(2) supports the important work of the Inter-
national Atomic Energy Agency (IAEA) in safe-
guarding nuclear material around the globe; 
(3) condemns Iran for its lack of transparency 
and meaningful cooperation with the IAEA on the 
unresolved matter of uranium particles discovered at 
undeclared sites in Iran and additional escalatory ac-
tions related to its nuclear program; and 
(4) applauds the IAEA Board of Governors’ reso-
lution urging Iran’s full cooperation with the IAEA 
on outstanding safeguards issues on an urgent basis. 
TITLE LVI—TRANSPORTATION 
AND INFRASTRUCTURE 
Sec. 5601. Designation of small State and rural advocate. 
Sec. 5602. Flexibility. 
Sec. 5603. Preliminary damage assessment. 
Sec. 5604. Letter of deviation authority. 
Sec. 5605. Recognizing FEMA support. 
SEC. 5601. DESIGNATION OF SMALL STATE AND RURAL AD-
VOCATE. 
(a) IN GENERAL.—Section 326(c) of the Robert T. 
Stafford Disaster Relief and Emergency Assistance Act (42 
U.S.C. 5165d) is amended— 
(1) by striking ‘‘and’’ at the end of paragraph 
(2); 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02345
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2346 
(2) by redesignating paragraph (3) as para-
graph (4); and 
(3) by inserting after paragraph (2) the fol-
lowing: 
‘‘(3) assist States in the collection and presen-
tation of material in the disaster or emergency dec-
laration request relevant to demonstrate severe local-
ized impacts within the State for a specific incident, 
including— 
‘‘(A) the per capita personal income by 
local area, as calculated by the Bureau of Eco-
nomic Analysis; 
‘‘(B) the disaster impacted population pro-
file, as reported by the Bureau of the Census, in-
cluding— 
‘‘(i) the percentage of the population 
for whom poverty status is determined; 
‘‘(ii) the percentage of the population 
already receiving Government assistance 
such as Supplemental Security Income and 
Supplemental Nutrition Assistance Pro-
gram benefits; 
‘‘(iii) the pre-disaster unemployment 
rate; 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02346
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2347 
‘‘(iv) the percentage of the population 
that is 65 years old and older; 
‘‘(v) the percentage of the population 
18 years old and younger; 
‘‘(vi) the percentage of the population 
with a disability; 
‘‘(vii) the percentage of the population 
who speak a language other than English 
and speak English less than ‘very well’; and 
‘‘(viii) any unique considerations re-
garding American Indian and Alaskan Na-
tive Tribal populations raised in the State’s 
request for a major disaster declaration that 
may not be reflected in the data points ref-
erenced in this subparagraph; 
‘‘(C) the impact to community infrastruc-
ture, including— 
‘‘(i) disruptions to community life-sav-
ing and life-sustaining services; 
‘‘(ii) disruptions or increased demand 
for essential community services; and 
‘‘(iii) disruptions to transportation, 
infrastructure, and utilities; and 
‘‘(D) any other information relevant to 
demonstrate severe local impacts; and’’. 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02347
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2348 
(b) GAO REVIEW OF A FINAL RULE.— 
(1) IN GENERAL.—The Comptroller General of 
the United States shall conduct a review of the Fed-
eral Emergency Management Agency’s implementa-
tion of its final rule, published on March 21, 2019, 
amending section 206.48(b) of title 44, Code of Fed-
eral Regulations (regarding factors considered when 
evaluating a Governor’s request for a major disaster 
declaration), which revised the factors that the Agency 
considers when evaluating a Governor’s request for a 
major disaster declaration authorizing individual as-
sistance under the Robert T. Stafford Disaster Relief 
and Emergency Assistance Act (42 U.S.C. 5121 et 
seq). 
(2) SCOPE.—The review required under para-
graph (1) shall include the following: 
(A) An assessment of the criteria used by 
the Agency to assess individual assistance re-
quests following a major disaster declaration au-
thorizing individual assistance. 
(B) An assessment of the consistency with 
which the Agency uses the updated Individual 
Assistance Declaration Factors when assessing 
the impact of individual communities after a 
major disaster declaration. 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02348
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2350 
assistance was distributed based on an error 
by the Agency and such debt shall be con-
strued as a hardship; and 
‘‘(ii) waive a debt owed to the United 
States related to covered assistance provided 
to an individual or household if such assist-
ance is subject to a claim or legal action, 
including in accordance with section of the 
Robert T. Stafford Disaster Relief and 
Emergency Assistance Act (42 U.S.C. 5160); 
and’’; and 
(2) in paragraph (3)(B)— 
(A) by striking ‘‘Removal of’’ and inserting 
‘‘Report on’’; and 
(B) in clause (ii) by striking ‘‘the authority 
of the Administrator to waive debt under para-
graph (2) shall no longer be effective’’ and insert-
ing ‘‘the Administrator shall report to the Com-
mittee on Transportation and Infrastructure of 
the House of Representatives and the Committee 
on Homeland Security and Governmental Af-
fairs of the Senate actions that the Adminis-
trator will take to reduce the error rate’’. 
(b) REPORT TO CONGRESS.—The Administrator of the 
Federal Emergency Management Agency shall submit to the 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02350
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2351 
Committee on Transportation and Infrastructure of the 
House of Representatives and the Committee on Homeland 
Security and Governmental Affairs of the Senate a report 
containing a description of the internal processes used to 
make decisions regarding the distribution of covered assist-
ance under section 1216 of the Disaster Recovery and Re-
form Act of 2018 (42 U.S.C. a) and any changes made to 
such processes. 
SEC. 5603. PRELIMINARY DAMAGE ASSESSMENT. 
(a) FINDINGS.—Congress finds the following: 
(1) Preliminary damage assessments play a crit-
ical role in assessing and validating the impact and 
magnitude of a disaster. 
(2) Through the preliminary damage assessment 
process, representatives from the Federal Emergency 
Management Agency validate information gathered by 
State and local officials that serves as the basis for 
disaster assistance requests. 
(3) Various factors can impact the duration of a 
preliminary 
damage 
assessment 
and 
the 
cor-
responding submission of a major disaster request, 
however, the average time between when a disaster oc-
curs, and the submission of a corresponding disaster 
request has been found to be approximately twenty 
days longer for flooding disasters. 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02351
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2352 
(4) With communities across the country facing 
increased instances of catastrophic flooding and other 
extreme weather events, accurate and efficient pre-
liminary damage assessments have become critically 
important to the relief process for impacted States 
and municipalities. 
(b) REPORT TO CONGRESS.— 
(1) IN GENERAL.—Not later than 90 days after 
the date of enactment of this Act, the Administrator 
of the Federal Emergency Management Agency shall 
submit to Congress a report describing the prelimi-
nary damage assessment process, as supported by the 
Federal Emergency Management Agency in the 5 
years before the date of enactment of this Act. 
(2) CONTENTS.—The report described in para-
graph (1) shall contain the following: 
(A) The process of the Federal Emergency 
Management Agency for deploying personnel to 
support preliminary damage assessments. 
(B) The number of Agency staff partici-
pating on disaster assessment teams. 
(C) The training and experience of such 
staff described in subparagraph (B). 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02352
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2353 
(D) A calculation of the average amount of 
time disaster assessment teams described in sub-
paragraph (A) are deployed to a disaster area. 
(E) The efforts of the Agency to maintain a 
consistent liaison between the Agency and State, 
local, tribal, and territorial officials within a 
disaster area. 
(c) PRELIMINARY DAMAGE ASSESSMENT.— 
(1) IN GENERAL.—Not later than 6 months after 
the date of enactment of this Act, the Administrator 
of the Federal Emergency Management Agency shall 
convene an advisory panel consisting of emergency 
management personnel employed by State, local, ter-
ritorial, or tribal authorities, and the representative 
organizations of such personnel to assist the Agency 
in improving critical components of the preliminary 
damage assessment process. 
(2) MEMBERSHIP.— 
(A) IN
GENERAL.—This advisory panel 
shall consist of at least 2 representatives from 
national emergency management organizations 
and at least 1 representative from each of the 10 
regions of the Federal Emergency Management 
Agency, selected from emergency management 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02353
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2354 
personnel employed by State, local, territorial, or 
tribal authorities within each region. 
(B) INCLUSION ON PANEL.—To the furthest 
extent practicable, representation on the advisory 
panel shall include emergency management per-
sonnel from both rural and urban jurisdictions. 
(3) CONSIDERATIONS.—The advisory panel con-
vened under paragraph (1) shall— 
(A) consider— 
(i) establishing a training regime to 
ensure preliminary damage assessments are 
conducted and reviewed under consistent 
guidelines; 
(ii) utilizing a common technological 
platform to integrate data collected by State 
and local governments with data collected 
by the Agency; and 
(iii) assessing instruction materials 
provided by the Agency for omissions of per-
tinent information or language that con-
flicts with other statutory requirements; and 
(B) identify opportunities for streamlining 
the consideration of preliminary damage assess-
ments by the Agency, including eliminating du-
plicative paperwork requirements and ensuring 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02354
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2355 
consistent communication and decision making 
among Agency staff. 
(4) INTERIM REPORT.—Not later than 18 months 
after the date of enactment of this Act, the Adminis-
trator shall submit to Congress a report regarding the 
findings of the advisory panel, steps that will be un-
dertaken by the Agency to implement the findings of 
the advisory panel, and additional legislation that 
may be necessary to implement the findings of the ad-
visory panel. 
(5) RULEMAKING AND FINAL REPORT.—Not later 
than 2 years after the date of enactment of this Act, 
the Administrator shall issue such regulations as are 
necessary to implement the recommendations of the 
advisory panel and submit to Congress a report dis-
cussing— 
(A) the implementation of recommendations 
from the advisory panel; 
(B) the identification of any additional 
challenges to the preliminary damage assessment 
process, including whether specific disasters re-
sult in longer preliminary damage assessments; 
and 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02355
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2356 
(C) any additional legislative recommenda-
tions necessary to improve the preliminary dam-
age assessment process. 
SEC. 5604. LETTER OF DEVIATION AUTHORITY. 
A flight instructor, registered owner, lessor, or lessee 
of an aircraft shall not be required to obtain a letter of 
deviation authority from the Administrator of the Federal 
Aviation Administration to allow, conduct or receive flight 
training, checking, and testing in an experimental aircraft 
if— 
(1) the flight instructor is not providing both the 
training and the aircraft; 
(2) no person advertises or broadly offers the air-
craft as available for flight training, checking, or test-
ing; and 
(3) no person receives compensation for use of 
the aircraft for a specific flight during which flight 
training, checking, or testing was received, other than 
expenses for owning, operating, and maintaining the 
aircraft. 
SEC. 5605. RECOGNIZING FEMA SUPPORT. 
Congress finds the following: 
(1) The Federal Emergency Management Agency 
provides vital support to communities and disaster 
survivors in the aftermath of major disasters, includ-
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02356
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2357 
ing housing assistance for individuals and families 
displaced from their homes. 
(2) The Federal Emergency Management Agency 
should be encouraged to study the idea integrating 
collapsible shelters for appropriate non-congregate 
sheltering needs into the disaster preparedness stock-
pile. 
TITLE LVII—FINANCIAL 
SERVICES MATTERS 
TITLE LVII—FINANCIAL SERVICES MATTERS 
Sec. 5701. United States policy on World Bank Group and Asian Development 
Bank assistance to the People’s Republic of China. 
Sec. 5702. Support for international initiatives to provide debt restructuring or 
relief to developing countries with unsustainable levels of debt. 
Sec. 5703. Ukraine debt payment relief. 
Sec. 5704. Isolate Russian Government Officials Act of 2022. 
Sec. 5705. Fair hiring in banking. 
Sec. 5706. Banking Transparency for Sanctioned Persons Act of 2022. 
Sec. 5707. Flexibility in addressing rural homelessness. 
Sec. 5708. Master account and services database. 
SEC. 5701. UNITED STATES POLICY ON WORLD BANK GROUP 
AND ASIAN DEVELOPMENT BANK ASSISTANCE 
TO THE PEOPLE’S REPUBLIC OF CHINA. 
(a) IN GENERAL.—Title XVI of the International Fi-
nancial Institutions Act (22 U.S.C. 262p et seq.) is amend-
ed by adding at the end the following: 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02357
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2358 
‘‘SEC. 1632. UNITED STATES POLICY ON WORLD BANK 
GROUP AND ASIAN DEVELOPMENT BANK AS-
SISTANCE TO THE PEOPLE’S REPUBLIC OF 
CHINA. 
‘‘(a) IN GENERAL.—The Secretary of the Treasury 
shall instruct the United States Executive Director at each 
international financial institution of the World Bank 
Group and at the Asian Development Bank to use the voice 
and vote of the United States at the respective institution 
to vote against the provision of any loan, extension of finan-
cial assistance, or technical assistance to the People’s Re-
public of China unless the Secretary of the Treasury has 
certified to the appropriate congressional committees that— 
‘‘(1) the Government of the People’s Republic of 
China and any lender owned or controlled by the 
Government of the People’s Republic of China have 
demonstrated a commitment— 
‘‘(A) to the rules and principles of the Paris 
Club, or of other similar coordinated multilateral 
initiatives on debt relief and debt restructuring 
in which the United States participates, includ-
ing with respect to debt transparency and appro-
priate burden-sharing among all creditors; 
‘‘(B) to the practice of presumptive public 
disclosure of the terms and conditions on which 
they extend credit to other governments (without 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02358
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2359 
regard to the form of any such extension of cred-
it); 
‘‘(C) not to enforce any agreement terms 
that may impair their own or the borrowers’ ca-
pacity fully to implement any commitment de-
scribed in subparagraph (A) or (B); and 
‘‘(D) not to enter into any agreement con-
taining terms that may impair their own or the 
borrowers’ capacity fully to implement any com-
mitment described in subparagraph (A) or (B); 
or 
‘‘(2) the loan or assistance is important to the 
national interest of the United States, as described in 
a detailed explanation by the Secretary to accompany 
the certification. 
‘‘(b) DEFINITIONS.—In this section: 
‘‘(1) APPROPRIATE
CONGRESSIONAL
COMMIT-
TEES.—The term ‘appropriate congressional commit-
tees’ means the Committee on Financial Services of 
the House of Representatives and the Committee on 
Foreign Relations of the Senate. 
‘‘(2) WORLD
BANK
GROUP.—The term ‘World 
Bank Group’ means the International Bank for Re-
construction and Development, the International De-
velopment Association, the International Finance 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02359
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2360 
Corporation, and the Multilateral Investment Guar-
antee Agency.’’. 
(b) SUNSET.—The amendment made by subsection (a) 
is repealed effective on the date that is 7 years after the 
effective date of this section. 
SEC. 5702. SUPPORT FOR INTERNATIONAL INITIATIVES TO 
PROVIDE DEBT RESTRUCTURING OR RELIEF 
TO 
DEVELOPING 
COUNTRIES 
WITH 
UNSUSTAINABLE LEVELS OF DEBT. 
(a) IN GENERAL.—Title XVI of the International Fi-
nancial Institutions Act (22 U.S.C. 262p et seq.), as amend-
ed by section 5701, is further amended by adding at the 
end the following: 
‘‘SEC. 1633. SUPPORT FOR INTERNATIONAL INITIATIVES TO 
PROVIDE DEBT RESTRUCTURING OR RELIEF 
TO 
DEVELOPING 
COUNTRIES 
WITH 
UNSUSTAINABLE LEVELS OF DEBT. 
‘‘(a) DEBT RELIEF.—The Secretary of the Treasury, 
in consultation with the Secretary of State, shall— 
‘‘(1) engage with international financial institu-
tions, the G20, and official and commercial creditors 
to advance support for prompt and effective imple-
mentation and improvement of the Common Frame-
work for Debt Treatments beyond the DSSI (in this 
section referred to as the ‘Common Framework’), or 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02360
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2361 
any successor framework or similar coordinated inter-
national debt treatment process in which the United 
States participates through the establishment and 
publication of clear and accountable— 
‘‘(A) debt treatment benchmarks designed to 
achieve debt sustainability for each participating 
debtor; 
‘‘(B) standards for appropriate burden- 
sharing among all creditors with material claims 
on each participating debtor, without regard for 
their official, private, or hybrid status; 
‘‘(C) robust debt disclosure by creditors, in-
cluding the People’s Republic of China, and debt-
or countries, including inter-creditor data-shar-
ing and, to the maximum extent practicable, 
public disclosure of material terms and condi-
tions of claims on participating debtors; 
‘‘(D) expansion of Common Framework 
country eligibility to lower middle-income coun-
tries who otherwise meet the existing criteria; 
‘‘(E) improvements to the Common Frame-
work process with the aim of ensuring access to 
debt relief in a timely manner for those countries 
eligible and who request treatment; and 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02361
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2362 
‘‘(F) consistent enforcement and improve-
ment of the policies of multilateral institutions 
relating to asset-based and revenue-based bor-
rowing by participating debtors, and coordi-
nated standards on restructuring collateralized 
debt; 
‘‘(2) engage with international financial institu-
tions and official and commercial creditors to ad-
vance support, as the Secretary finds appropriate, for 
debt restructuring or debt relief for each participating 
debtor, including, on a case-by- case basis, a debt 
standstill, if requested by the debtor country through 
the Common Framework process from the time of con-
clusion of a staff-level agreement with the Inter-
national Monetary Fund, and until the conclusion of 
a memorandum of understanding with its creditor 
committee pursuant to the Common Framework, or 
any successor framework or similar coordinated inter-
national debt treatment process in which the United 
States participates; and 
‘‘(3) instruct the United States Executive Direc-
tor at the International Monetary Fund and the 
United States Executive Director at the World Bank 
to use the voice and vote of the United States to ad-
vance the efforts described in paragraphs (1) and (2). 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02362
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2363 
‘‘(b) REPORTING REQUIREMENT.—Not later than 120 
days after the date of the enactment of this section, and 
annually thereafter, the Secretary of the Treasury, in co-
ordination with the Secretary of State, shall submit to the 
Committees on Banking, Housing, and Urban Affairs and 
Foreign Relations of the Senate and the Committees on Fi-
nancial Services and Foreign Affairs of the House of Rep-
resentatives a report that describes— 
‘‘(1) any actions that have been taken, in coordi-
nation with international financial institutions, by 
official creditors, including the government of, and 
state-owned enterprises in, the People’s Republic of 
China, and relevant commercial creditor groups to 
advance debt restructuring or relief for countries with 
unsustainable debt that have sought restructuring or 
relief under the Common Framework, any successor 
framework or mechanism, or under any other coordi-
nated international arrangement for sovereign debt 
restructuring in which the United States participates; 
‘‘(2) any implementation challenges that hinder 
the ability of the Common Framework to provide 
timely debt restructuring for any country with 
unsustainable debt that seeks debt restructuring or 
debt payment relief, including any refusal of a cred-
itor to participate in appropriate burden-sharing, in-
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02363
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2364 
cluding failure to share (or publish, as appropriate) 
all material information needed to assess debt sus-
tainability; and 
‘‘(3) recommendations on how to address any 
challenges identified in paragraph (2).’’. 
(b) SUNSET.—The amendment made by subsection (a) 
is repealed effective on the date that is 5 years after the 
effective date of this section. 
SEC. 5703. UKRAINE DEBT PAYMENT RELIEF. 
(a) SUSPENSION OF MULTILATERAL DEBT PAYMENTS 
OF UKRAINE.— 
(1) UNITED STATES POSITION IN THE INTER-
NATIONAL FINANCIAL INSTITUTIONS.—The Secretary 
of the Treasury shall instruct the United States Exec-
utive Director at each international financial institu-
tion (as defined in section 1701(c)(2) of the Inter-
national Financial Institutions Act) to use the voice, 
vote, and influence of the United States to advocate 
that the respective institution immediately provide 
appropriate debt service relief to Ukraine. 
(2) OFFICIAL BILATERAL AND COMMERCIAL DEBT 
SERVICE
PAYMENT
RELIEF.—The Secretary of the 
Treasury, working in coordination with the Secretary 
of State, shall commence immediate efforts with other 
governments and commercial creditor groups, through 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02364
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2365 
the Paris Club of Official Creditors and other bilat-
eral and multilateral frameworks, both formal and 
informal, to pursue comprehensive debt payment re-
lief for Ukraine. 
(3) MULTILATERAL
FINANCIAL
SUPPORT
FOR 
UKRAINE.—The Secretary of the Treasury shall direct 
the United States Executive Director at each inter-
national financial institution (as defined in section 
1701(c)(2) of the International Financial Institutions 
Act) to use the voice and vote of the United States to 
support, to the extent practicable, the provision of 
concessional financial assistance for Ukraine. 
(4) MULTILATERAL
FINANCIAL
SUPPORT
FOR 
REFUGEES.—The Secretary of the Treasury shall di-
rect the United States Executive Director at each 
international financial institution (as defined in sec-
tion 1701(c)(2) of the International Financial Insti-
tutions Act) to use the voice and vote of the United 
States to seek to provide economic support for refugees 
from Ukraine, including refugees of African and 
Asian descent, and for countries receiving refugees 
from Ukraine that are eligible for assistance from the 
multilateral development banks. 
(b) REPORT TO THE CONGRESS.—Not later than De-
cember 31 of each year, the President shall— 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02365
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2366 
(1) submit to the Committees on Financial Serv-
ices, on Appropriations, and on Foreign Affairs of the 
House of Representatives and the Committees on For-
eign Relations and on Appropriations of the Senate, 
a report on the activities undertaken under this sec-
tion; and 
(2) make public a copy of the report. 
(c) WAIVER AND TERMINATION.— 
(1) WAIVER.—The President may waive the ap-
plication of this section if the President determines 
that a waiver is in the national interest of the United 
States and reports to the Congress an explanation of 
the reasons therefor. 
(2) TERMINATION.—This section shall have no 
force or effect on the earlier of— 
(A) the date that is 7 years after the date 
of the enactment of this Act; or 
(B) the date that is 30 days after the date 
on which the President reports to Congress that 
the Government of the Russian Federation has 
ceased its destabilizing activities with respect to 
the sovereignty and territorial integrity of 
Ukraine. 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02366
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2367 
SEC. 5704. ISOLATE RUSSIAN GOVERNMENT OFFICIALS ACT 
OF 2022. 
(a) STATEMENT OF POLICY.—It is the policy of the 
United States to seek to exclude government officials of the 
Russian Federation, to the maximum extent practicable, 
from participation in meetings, proceedings, and other ac-
tivities of the following organizations: 
(1) Group of 20. 
(2) Bank for International Settlements. 
(3) Basel Committee for Banking Standards. 
(4) Financial Stability Board. 
(5) International Association of Insurance Su-
pervisors. 
(6) International Organization of Securities 
Commissions. 
(b) IMPLEMENTATION.—The Secretary of the Treasury, 
the Board of Governors of the Federal Reserve System, and 
the Securities and Exchange Commission, as the case may 
be, shall take all necessary steps to advance the policy set 
forth in subsection (a). 
(c) TERMINATION.—This section shall have no force or 
effect on the earlier of— 
(1) the date that is 5 years after the date of the 
enactment of this Act; or 
(2) the date that is 30 days after the date on 
which the President reports to Congress that the Gov-
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02367
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2368 
ernment of the Russian Federation has ceased its de-
stabilizing activities with respect to the sovereignty 
and territorial integrity of Ukraine. 
(d) WAIVER.—The President may waive the applica-
tion of this section if the President reports to the Congress 
that the waiver is in the national interest of the United 
States and includes an explanation of the reasons therefor. 
SEC. 5705. FAIR HIRING IN BANKING. 
(a) FEDERAL DEPOSIT INSURANCE ACT.—Section 19 
of the Federal Deposit Insurance Act (12 U.S.C. 1829) is 
amended— 
(1) by inserting after subsection (b) the fol-
lowing: 
‘‘(c) EXCEPTIONS.— 
‘‘(1) CERTAIN OLDER OFFENSES.— 
‘‘(A) IN GENERAL.—With respect to an in-
dividual, subsection (a) shall not apply to an of-
fense if— 
‘‘(i) it has been 7 years or more since 
the offense occurred; or 
‘‘(ii) the individual was incarcerated 
with respect to the offense and it has been 
5 years or more since the individual was re-
leased from incarceration. 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02368
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2369 
‘‘(B) OFFENSES
COMMITTED
BY
INDIVID-
UALS
OR
YOUNGER.—For individuals who 
committed an offense when they were 21 years of 
age or younger, subsection (a) shall not apply to 
the offense if it has been more than 30 months 
since the sentencing occurred. 
‘‘(C) LIMITATION.—This paragraph shall 
not apply to an offense described under sub-
section (a)(2). 
‘‘(2) EXPUNGEMENT AND SEALING.—With respect 
to an individual, subsection (a) shall not apply to an 
offense if— 
‘‘(A) there is an order of expungement, seal-
ing, or dismissal that has been issued in regard 
to the conviction in connection with such offense; 
and 
‘‘(B) it is intended by the language in the 
order itself, or in the legislative provisions under 
which the order was issued, that the conviction 
shall be destroyed or sealed from the individual’s 
State, Tribal, or Federal record, even if excep-
tions allow the record to be considered for certain 
character and fitness evaluation purposes. 
‘‘(3) DE MINIMIS EXEMPTION.— 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02369
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2370 
‘‘(A) IN GENERAL.—Subsection (a) shall not 
apply to such de minimis offenses as the Cor-
poration determines, by rule. 
‘‘(B) CONFINEMENT CRITERIA.—In issuing 
rules under subparagraph (A), the Corporation 
shall include a requirement that the offense was 
punishable by a term of three years or less con-
fined in a correctional facility, where such con-
finement— 
‘‘(i) is calculated based on the time an 
individual spent incarcerated as a punish-
ment or a sanction, not as pretrial deten-
tion; and 
‘‘(ii) does not include probation or pa-
role where an individual was restricted to a 
particular jurisdiction or was required to 
report occasionally to an individual or a 
specific location. 
‘‘(C) BAD CHECK CRITERIA.—In setting the 
criteria for de minimis offenses under subpara-
graph (A), if the Corporation establishes criteria 
with respect to insufficient funds checks, the Cor-
poration shall require that the aggregate total 
face value of all insufficient funds checks across 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02370
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2371 
all convictions or program entries related to in-
sufficient funds checks is $2,000 or less. 
‘‘(D) DESIGNATED
LESSER
OFFENSES.— 
Subsection (a) shall not apply to certain lesser 
offenses (including the use of a fake ID, shop-
lifting, trespass, fare evasion, driving with an 
expired license or tag, and such other low-risk of-
fenses as the Corporation may designate) if 1 
year or more has passed since the applicable con-
viction or program entry.’’; and 
(2) by adding at the end the following: 
‘‘(f) CONSENT APPLICATIONS.— 
‘‘(1) IN GENERAL.—The Corporation shall accept 
consent applications from an individual and from an 
insured depository institution or depository institu-
tion holding company on behalf of an individual that 
are filed separately or contemporaneously with a re-
gional office of the Corporation. 
‘‘(2) SPONSORED APPLICATIONS FILED WITH RE-
GIONAL OFFICES.—Consent applications filed at a re-
gional office of the Corporation by an insured deposi-
tory institution or depository institution holding 
company on behalf of an individual— 
‘‘(A) shall be reviewed by such office; 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02371
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2372 
‘‘(B) may be approved or denied by such of-
fice, if such authority has been delegated to such 
office by the Corporation; and 
‘‘(C) may only be denied by such office if 
the general counsel of the Corporation (or a des-
ignee) certifies that the denial is consistent with 
this section. 
‘‘(3) INDIVIDUAL APPLICATIONS FILED WITH RE-
GIONAL OFFICES.—Consent applications filed at a re-
gional office by an individual— 
‘‘(A) shall be reviewed by such office; and 
‘‘(B) may be approved or denied by such of-
fice, if such authority has been delegated to such 
office by the Corporation, except with respect 
to— 
‘‘(i) cases involving an offense de-
scribed under subsection (a)(2); and 
‘‘(ii) such other high-level security 
cases as may be designated by the Corpora-
tion. 
‘‘(4) NATIONAL OFFICE REVIEW.—The national 
office of the Corporation shall— 
‘‘(A) review any consent application with 
respect to which a regional office is not author-
ized to approve or deny the application; and 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02372
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2373 
‘‘(B) review any consent application that is 
denied by a regional office, if the individual re-
quests a review by the national office. 
‘‘(5) FORMS AND INSTRUCTIONS.— 
‘‘(A) AVAILABILITY.—The Corporation shall 
make all forms and instructions related to con-
sent applications available to the public, includ-
ing on the website of the Corporation. 
‘‘(B) CONTENTS.—The forms and instruc-
tions described under subparagraph (A) shall 
provide a sample cover letter and a comprehen-
sive list of items that may accompany the appli-
cation, including clear guidance on evidence that 
may support a finding of rehabilitation. 
‘‘(6) CONSIDERATION OF CRIMINAL HISTORY.— 
‘‘(A) REGIONAL OFFICE CONSIDERATION.— 
In reviewing a consent application, a regional 
office shall— 
‘‘(i) primarily rely on the criminal 
history record of the Federal Bureau of In-
vestigation; and 
‘‘(ii) provide such record to the appli-
cant to review for accuracy. 
‘‘(B) CERTIFIED COPIES.—The Corporation 
may not require an applicant to provide cer-
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02373
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2374 
tified copies of criminal history records unless 
the Corporation determines that there is a clear 
and compelling justification to require addi-
tional information to verify the accuracy of the 
criminal history record of the Federal Bureau of 
Investigation. 
‘‘(7) CONSIDERATION
OF
REHABILITATION.— 
Consistent with title VII of the Civil Rights Act of 
1964 (42 U.S.C. 2000e et seq.), the Corporation 
shall— 
‘‘(A) conduct an individualized assessment 
when evaluating consent applications that takes 
into account evidence of rehabilitation, the ap-
plicant’s age at the time of the conviction or pro-
gram entry, the time that has elapsed since con-
viction or program entry, and the relationship of 
individual’s offense to the responsibilities of the 
applicable position; 
‘‘(B) consider the individual’s employment 
history, letters of recommendation, certificates 
documenting participation in substance abuse 
programs, successful participating in job prepa-
ration and educational programs, and other rel-
evant mitigating evidence; and 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02374
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2375 
‘‘(C) consider any additional information 
the Corporation determines necessary for safety 
and soundness. 
‘‘(8) SCOPE OF EMPLOYMENT.—With respect to 
an approved consent application filed by an insured 
depository institution or depository institution hold-
ing company on behalf of an individual, if the Cor-
poration determines it appropriate, such approved 
consent application shall allow the individual to work 
for the same employer (without restrictions on the lo-
cation) and across positions, except that the prior 
consent of the Corporation (which may require a new 
application) shall be required for any proposed sig-
nificant changes in the individual’s security-related 
duties or responsibilities, such as promotion to an of-
ficer or other positions that the employer determines 
will require higher security screening credentials. 
‘‘(9) COORDINATION WITH THE NCUA.—In car-
rying out this section, the Corporation shall consult 
and coordinate with the National Credit Union Ad-
ministration as needed to promote consistent imple-
mentation where appropriate. 
‘‘(g) DEFINITIONS.—In this section: 
‘‘(1) CONSENT APPLICATION.—The term ‘consent 
application’ means an application filed with Cor-
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02375
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2376 
poration by an individual (or by an insured deposi-
tory institution or depository institution holding 
company on behalf of an individual) seeking the writ-
ten consent of the Corporation under subsection 
(a)(1). 
‘‘(2) CRIMINAL
OFFENSE
INVOLVING
DISHON-
ESTY.—The term ‘criminal offense involving dishon-
esty’— 
‘‘(A) means an offense under which an indi-
vidual, directly or indirectly— 
‘‘(i) cheats or defrauds; or 
‘‘(ii) wrongfully takes property belong-
ing to another in violation of a criminal 
statute; 
‘‘(B) includes an offense that Federal, State, 
or local law defines as dishonest, or for which 
dishonesty is an element of the offense; and 
‘‘(C) does not include— 
‘‘(i) a misdemeanor criminal offense 
committed more than one year before the 
date on which an individual files a consent 
application, excluding any period of incar-
ceration; or 
‘‘(ii) an offense involving the posses-
sion of controlled substances. 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02376
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2377 
‘‘(3) PRETRIAL
DIVERSION
OR
SIMILAR
PRO-
GRAM.—The term ‘pretrial diversion or similar pro-
gram’ means a program characterized by a suspen-
sion or eventual dismissal or reversal of charges or 
criminal prosecution upon agreement by the accused 
to restitution, drug or alcohol rehabilitation, anger 
management, or community service.’’. 
(b) FEDERAL CREDIT UNION ACT.—Section 205(d) of 
the Federal Credit Union Act (12 U.S.C. 1785(d)) is 
amended by adding at the end the following: 
‘‘(4) EXCEPTIONS.— 
‘‘(A) CERTAIN OLDER OFFENSES.— 
‘‘(i) IN GENERAL.—With respect to an 
individual, paragraph (1) shall not apply 
to an offense if— 
‘‘(I) it has been 7 years or more 
since the offense occurred; or 
‘‘(II) the individual was incarcer-
ated with respect to the offense and it 
has been 5 years or more since the in-
dividual was released from incarcer-
ation. 
‘‘(ii) OFFENSES COMMITTED BY INDI-
VIDUALS 21 OR YOUNGER.—For individuals 
who committed an offense when they were 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02377
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2378 
21 years of age or younger, paragraph (1) 
shall not apply to the offense if it has been 
more than 30 months since the sentencing 
occurred. 
‘‘(iii) 
LIMITATION.—This 
subpara-
graph shall not apply to an offense de-
scribed under paragraph (1)(B). 
‘‘(B) EXPUNGEMENT AND SEALING.—With 
respect to an individual, paragraph (1) shall not 
apply to an offense if— 
‘‘(i) there is an order of expungement, 
sealing, or dismissal that has been issued in 
regard to the conviction in connection with 
such offense; and 
‘‘(ii) it is intended by the language in 
the order itself, or in the legislative provi-
sions under which the order was issued, that 
the conviction shall be destroyed or sealed 
from the individual’s State, Tribal, or Fed-
eral record, even if exceptions allow the 
record to be considered for certain character 
and fitness evaluation purposes. 
‘‘(C) DE MINIMIS EXEMPTION.— 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02378
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2379 
‘‘(i) IN
GENERAL.—Paragraph (1) 
shall not apply to such de minimis offenses 
as the Board determines, by rule. 
‘‘(ii) 
CONFINEMENT
CRITERIA.—In 
issuing rules under clause (i), the Board 
shall include a requirement that the offense 
was punishable by a term of three years or 
less confined in a correctional facility, 
where such confinement— 
‘‘(I) is calculated based on the 
time an individual spent incarcerated 
as a punishment or a sanction, not as 
pretrial detention; and 
‘‘(II) does not include probation 
or parole where an individual was re-
stricted to a particular jurisdiction or 
was required to report occasionally to 
an individual or a specific location. 
‘‘(iii) BAD CHECK CRITERIA.—In set-
ting the criteria for de minimis offenses 
under clause (i), if the Board establishes 
criteria with respect to insufficient funds 
checks, the Board shall require that the ag-
gregate total face value of all insufficient 
funds checks across all convictions or pro-
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02379
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2380 
gram entries related to insufficient funds 
checks is $2,000 or less. 
‘‘(iv) 
DESIGNATED
LESSER
OF-
FENSES.—Paragraph (1) shall not apply to 
certain lesser offenses (including the use of 
a fake ID, shoplifting, trespass, fare eva-
sion, driving with an expired license or tag, 
and such other low-risk offenses as the 
Board may designate) if 1 year or more has 
passed since the applicable conviction or 
program entry. 
‘‘(5) CONSENT APPLICATIONS.— 
‘‘(A) IN GENERAL.—The Board shall accept 
consent applications from an individual and 
from an insured credit union on behalf of an in-
dividual that are filed separately or contempora-
neously with a regional office of the Board. 
‘‘(B) 
SPONSORED
APPLICATIONS
FILED 
WITH REGIONAL OFFICES.—Consent applications 
filed at a regional office of the Board by an in-
sured credit union on behalf of an individual— 
‘‘(i) shall be reviewed by such office; 
‘‘(ii) may be approved or denied by 
such office, if such authority has been dele-
gated to such office by the Board; and 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02380
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2381 
‘‘(iii) may only be denied by such of-
fice if the general counsel of the Board (or 
a designee) certifies that the denial is con-
sistent with this section. 
‘‘(C) 
INDIVIDUAL
APPLICATIONS
FILED 
WITH REGIONAL OFFICES.—Consent applications 
filed at a regional office by an individual— 
‘‘(i) shall be reviewed by such office; 
and 
‘‘(ii) may be approved or denied by 
such office, if such authority has been dele-
gated to such office by the Board, except 
with respect to— 
‘‘(I) cases involving an offense de-
scribed under paragraph (1)(B); and 
‘‘(II) such other high-level security 
cases as may be designated by the 
Board. 
‘‘(D) NATIONAL OFFICE REVIEW.—The na-
tional office of the Board shall— 
‘‘(i) review any consent application 
with respect to which a regional office is not 
authorized to approve or deny the applica-
tion; and 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02381
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2382 
‘‘(ii) review any consent application 
that is denied by a regional office, if the in-
dividual requests a review by the national 
office. 
‘‘(E) FORMS AND INSTRUCTIONS.— 
‘‘(i) AVAILABILITY.—The Board shall 
make all forms and instructions related to 
consent applications available to the public, 
including on the website of the Board. 
‘‘(ii) CONTENTS.—The forms and in-
structions described under clause (i) shall 
provide a sample cover letter and a com-
prehensive list of items that may accom-
pany the application, including clear guid-
ance on evidence that may support a find-
ing of rehabilitation. 
‘‘(F) CONSIDERATION
OF
CRIMINAL
HIS-
TORY.— 
‘‘(i) 
REGIONAL
OFFICE
CONSIDER-
ATION.—In reviewing a consent applica-
tion, a regional office shall— 
‘‘(I) primarily rely on the crimi-
nal history record of the Federal Bu-
reau of Investigation; and 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02382
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2383 
‘‘(II) provide such record to the 
applicant to review for accuracy. 
‘‘(ii) CERTIFIED COPIES.—The Board 
may not require an applicant to provide 
certified copies of criminal history records 
unless the Board determines that there is a 
clear and compelling justification to require 
additional information to verify the accu-
racy of the criminal history record of the 
Federal Bureau of Investigation. 
‘‘(G) 
CONSIDERATION
OF
REHABILITA-
TION.—Consistent with title VII of the Civil 
Rights Act of 1964 (42 U.S.C. 2000e et seq.), the 
Board shall— 
‘‘(i) conduct an individualized assess-
ment when evaluating consent applications 
that takes into account evidence of rehabili-
tation, the applicant’s age at the time of the 
conviction or program entry, the time that 
has elapsed since conviction or program 
entry, and the relationship of individual’s 
offense to the responsibilities of the applica-
ble position; 
‘‘(ii) consider the individual’s employ-
ment history, letters of recommendation, 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02383
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2384 
certificates documenting participation in 
substance abuse programs, successful par-
ticipating in job preparation and edu-
cational programs, and other relevant miti-
gating evidence; and 
‘‘(iii) consider any additional informa-
tion the Board determines necessary for 
safety and soundness. 
‘‘(H) SCOPE
OF
EMPLOYMENT.—With re-
spect to an approved consent application filed by 
an insured credit union on behalf of an indi-
vidual, if the Board determines it appropriate, 
such approved consent application shall allow 
the individual to work for the same employer 
(without restrictions on the location) and across 
positions, except that the prior consent of the 
Board (which may require a new application) 
shall be required for any proposed significant 
changes in the individual’s security-related du-
ties or responsibilities, such as promotion to an 
officer or other positions that the employer deter-
mines will require higher security screening cre-
dentials. 
‘‘(I) COORDINATION
WITH
FDIC.—In car-
rying out this subsection, the Board shall consult 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02384
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2385 
and coordinate with the Federal Deposit Insur-
ance Corporation as needed to promote consistent 
implementation where appropriate. 
‘‘(6) DEFINITIONS.—In this subsection: 
‘‘(A) CONSENT
APPLICATION.—The term 
‘consent application’ means an application filed 
with Board by an individual (or by an insured 
credit union on behalf of an individual) seeking 
the written consent of the Board under para-
graph (1)(A). 
‘‘(B) CRIMINAL
OFFENSE
INVOLVING
DIS-
HONESTY.—The term ‘criminal offense involving 
dishonesty’— 
‘‘(i) means an offense under which an 
individual, directly or indirectly— 
‘‘(I) cheats or defrauds; or 
‘‘(II) wrongfully takes property 
belonging to another in violation of a 
criminal statute; 
‘‘(ii) includes an offense that Federal, 
State, or local law defines as dishonest, or 
for which dishonesty is an element of the of-
fense; and 
‘‘(iii) does not include— 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02385
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2386 
‘‘(I) a misdemeanor criminal of-
fense committed more than one year 
before the date on which an individual 
files a consent application, excluding 
any period of incarceration; or 
‘‘(II) an offense involving the pos-
session of controlled substances. 
‘‘(C) PRETRIAL
DIVERSION
OR
SIMILAR 
PROGRAM.—The term ‘pretrial diversion or simi-
lar program’ means a program characterized by 
a suspension or eventual dismissal or reversal of 
charges or criminal prosecution upon agreement 
by the accused to restitution, drug or alcohol re-
habilitation, anger management, or community 
service.’’. 
(c) REVIEW AND REPORT TO CONGRESS.—Not later 
than the end of the 2-year period beginning on the date 
of enactment of this Act, the Federal Deposit Insurance Cor-
poration and the National Credit Union Administration 
shall— 
(1) review the rules issued to carry out this Act 
and the amendments made by this Act on— 
(A) the application of section 19 of the Fed-
eral Deposit Insurance Act (12 U.S.C. 1829) and 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02386
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2387 
section 205(d) of the Federal Credit Union Act 
(12 U.S.C. 1785(d)); 
(B) the number of applications for consent 
applications under such sections; and 
(C) the rates of approval and denial for 
consent applications under such sections; 
(2) make the results of the review required under 
paragraph (1) available to the public; and 
(3) issue a report to Congress containing any 
legislative or regulatory recommendations for expand-
ing employment opportunities for those with a pre-
vious minor criminal offense. 
SEC. 5706. BANKING TRANSPARENCY FOR SANCTIONED 
PERSONS ACT OF 2022. 
(a) IN GENERAL.—Not later than 1 year after the date 
of the enactment of this Act, and annually thereafter, the 
Secretary of the Treasury shall issue a report to the Com-
mittees on Financial Services and Foreign Affairs of the 
House of Representatives and the Committees on Banking, 
Housing, and Urban Affairs and Foreign Relations of the 
Senate that includes a list of specific licenses issued by the 
Secretary in the preceding 365 days that authorizes a U.S. 
financial institution (as defined under section 561.309 of 
title 31, Code of Federal Regulations) to provide financial 
services to any of the following: 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02387
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2388 
(1) The government of a state sponsor of ter-
rorism. 
(2) A person sanctioned pursuant to any of the 
following: 
(A) Section 404 of the Russia and Moldova 
Jackson-Vanik Repeal and Sergei Magnitsky 
Rule of Law Accountability Act of 2012 (Public 
Law 112–208). 
(B) Subtitle F of title XII of the National 
Defense Authorization Act for Fiscal Year 2017 
(Public Law 114–328, the Global Magnitsky 
Human Rights Accountability Act). 
(C) Executive Order No. 13818. 
(b) SUBMISSION OF COPIES OF LICENSES ON RE-
QUEST.—The Secretary of the Treasury shall expeditiously 
provide a copy of any license identified in a report required 
by subsection (a) to the Committee on Financial Services 
of the House of Representatives and the Committee on 
Banking, Housing, and Urban Affairs of the Senate if an 
appropriate Member of Congress requests a copy of that li-
cense not later than 60 days after submission of the report. 
(c) BUSINESS CONFIDENTIAL INFORMATION.— 
(1) IN GENERAL.—The Secretary of the Treasury 
shall, in the report under subsection (a) and any sub-
missions under subsection (b), identify any propri-
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02388
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2389 
etary information submitted by any private sector 
representative and mark such information as ‘‘busi-
ness confidential information’’. 
(2) TREATMENT AS TRADE SECRETS.—Business 
confidential information described under paragraph 
(1) shall be considered to be a matter falling within 
the meaning of trade secrets and commercial or finan-
cial information exemption under section 552(b)(4) of 
title 5, United States Code, and shall be exempt from 
disclosure under such section 552 of such title without 
the express approval of the private party. 
(d) AUTHORIZATION OF APPROPRIATIONS.—For the 
purpose of carrying out the activities authorized under this 
section, there is authorized to be appropriated to the Sec-
retary of the Treasury $1,000,000. 
(e) SUNSET.—The section shall cease to have any force 
or effect after the end of the 5-year period beginning on 
the date of enactment of this Act. 
(f) FORM OF REPORT AND SUBMISSIONS.—A report or 
submission required under this section shall be submitted 
in unclassified form but may contain a classified annex. 
(g) APPROPRIATE MEMBER OF CONGRESS DEFINED.— 
In this section, the term ‘‘appropriate Member of Congress’’ 
has the meaning given that term under section 7132(d) of 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02389
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2390 
the National Defense Authorization Act for Fiscal Year 
2020. 
SEC. 5707. FLEXIBILITY IN ADDRESSING RURAL HOMELESS-
NESS. 
Subsection (a) of section 423 of subtitle C of title IV 
of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 
11383(a)) is amended by adding at the end the following: 
‘‘(13) Projects in rural areas that consist of one 
or more of the following activities: 
‘‘(A) Payment of short-term emergency lodg-
ing, including in motels or shelters, directly or 
through vouchers. 
‘‘(B) Repairs to units— 
‘‘(i) in which homeless individuals and 
families will be housed; or 
‘‘(ii) which are currently not fit for 
human habitation. 
‘‘(C) Staff training, professional develop-
ment, skill development, and staff retention ac-
tivities.’’. 
SEC. 5708. MASTER ACCOUNT AND SERVICES DATABASE. 
The Federal Reserve Act is amended by inserting after 
section 11B (12 U.S.C. 248b et seq.) the following: 
‘‘SEC. 11C. MASTER ACCOUNT AND SERVICES DATABASE. 
‘‘(a) DEFINITIONS.—In this section: 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02390
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2391 
‘‘(1) ACCESS
REQUEST.—The term ‘access re-
quest’ means a request to a Federal reserve bank for 
access to a reserve bank master account and services, 
including any written documentation or formal indi-
cation that an entity intends to seek access to a re-
serve bank master account and services. 
‘‘(2) OFFICIAL ACCOUNTHOLDER.—The term ‘of-
ficial accountholder’ means— 
‘‘(A) a foreign state, as defined in section 
25B; 
‘‘(B) a central bank, as defined in section 
25B, other than a commercial bank; 
‘‘(C) a public international organization 
entitled to enjoy privileges, exemptions, and im-
munities as an international organization under 
the International Organizations Immunities Act 
(22 U.S.C. 288 et seq.); and 
‘‘(D) any governmental entity for which the 
Secretary of the Treasury has directed a Federal 
reserve bank to receive deposits as fiscal agent of 
the United States under section 15. 
‘‘(3) RESERVE
BANK
MASTER
ACCOUNT
AND 
SERVICES.—The term ‘reserve bank master account 
and services’ means an account in which a Federal 
reserve bank— 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02391
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2392 
‘‘(A) receives deposits for an entity other 
than an official accountholder; or 
‘‘(B) provides any service under section 
11A(b) to an entity other than an official 
accountholder. 
‘‘(b) PUBLISHING MASTER ACCOUNT AND ACCESS IN-
FORMATION.— 
‘‘(1) ONLINE DATABASE.—The Board shall create 
and maintain a public, online, and searchable data-
base that contains— 
‘‘(A) a list of every entity that currently has 
access to a reserve bank master account and serv-
ices, including the date on which the access was 
granted to the extent the date is knowable; 
‘‘(B) a list of every entity that submits an 
access request for a reserve bank master account 
and services after enactment of this section (or 
that has submitted an access request that is 
pending on the date of enactment of this section), 
including whether, and the dates on which, a re-
quest— 
‘‘(i) was submitted; and 
‘‘(ii) was approved, rejected, pending, 
or withdrawn; and 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02392
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2393 
‘‘(C) for each list described in subparagraph 
(A) or (B), the type of entity that holds or sub-
mitted an access request for a reserve bank mas-
ter account and services, including whether such 
entity is— 
‘‘(i) an insured depository institution, 
as defined in section 3 of the Federal De-
posit Insurance Act (12 U.S.C. 1813); 
‘‘(ii) an insured credit union, as de-
fined in section 101 of the Federal Credit 
Union Act (12 U.S.C. 1752); or 
‘‘(iii) a depository institution that is 
not an insured depository institution or an 
insured credit union. 
‘‘(2) UPDATES.—Not less frequently than once 
every quarter, the Board shall update the database to 
add any new information required under paragraph 
(1). 
‘‘(3) DEADLINE.—Not later than 180 days after 
the date of enactment of this section, the Board shall 
publish the database with the information required 
under paragraph (1).’’. 
TITLE LVIII—FINANCIAL DATA 
TRANSPARENCY 
Sec. 5801. Short title. 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02393
Fmt 6652
Sfmt 6213
Z:\XMLBILLS\H7776.EAH
NODE
2394 
Subtitle A—Data Standards for Covered Agencies; Department of the Treasury 
Rulemaking 
Sec. 5811. Data standards. 
Sec. 5812. Open data publication by the Department of the Treasury. 
Sec. 5813. No new disclosure requirements. 
Subtitle B—Securities and Exchange Commission 
Sec. 5821. Data standards requirements for the Securities and Exchange Commis-
sion. 
Sec. 5822. Open data publication by the Securities and Exchange Commission. 
Sec. 5823. Data transparency relating to municipal securities. 
Sec. 5824. Data transparency at national securities associations. 
Sec. 5825. Shorter-term burden reduction and disclosure simplification at the Se-
curities and Exchange Commission; sunset. 
Sec. 5826. No new disclosure requirements. 
Subtitle C—Federal Deposit Insurance Corporation 
Sec. 5831. Data standards requirements for the Federal Deposit Insurance Cor-
poration. 
Sec. 5832. Open data publication by the Federal Deposit Insurance Corporation. 
Sec. 5833. Rulemaking. 
Sec. 5834. No new disclosure requirements. 
Subtitle D—Office of the Comptroller of the Currency 
Sec. 5841. Data standards and open data publication requirements for the Office 
of the Comptroller of the Currency. 
Sec. 5842. Rulemaking. 
Sec. 5843. No new disclosure requirements. 
Subtitle E—Bureau of Consumer Financial Protection 
Sec. 5851. Data standards and open data publication requirements for the Bu-
reau of Consumer Financial Protection. 
Sec. 5852. Rulemaking. 
Sec. 5853. No new disclosure requirements. 
Subtitle F—Federal Reserve System 
Sec. 5861. Data standards requirements for the Board of Governors of the Federal 
Reserve System. 
Sec. 5862. Open data publication by the Board of Governors of the Federal Re-
serve System. 
Sec. 5863. Rulemaking. 
Sec. 5864. No new disclosure requirements. 
Subtitle G—National Credit Union Administration 
Sec. 5871. Data standards. 
Sec. 5872. Open data publication by the National Credit Union Administration. 
Sec. 5873. Rulemaking. 
Sec. 5874. No new disclosure requirements. 
Subtitle H—Federal Housing Finance Agency 
Sec. 5881. Data standards requirements for the Federal Housing Finance Agency. 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02394
Fmt 6652
Sfmt 6213
Z:\XMLBILLS\H7776.EAH
NODE
2395 
Sec. 5882. Open data publication by the Federal Housing Finance Agency. 
Sec. 5883. Rulemaking. 
Sec. 5884. No new disclosure requirements. 
Subtitle I—Miscellaneous 
Sec. 5891. Rules of construction. 
Sec. 5892. Classified and protected information. 
Sec. 5893. Report. 
SEC. 5801. SHORT TITLE. 
This title may be cited as the ‘‘Financial Data Trans-
parency Act of 2022’’. 
Subtitle 
A—Data 
Standards 
for 
Covered Agencies; Department of 
the Treasury Rulemaking 
SEC. 5811. DATA STANDARDS. 
(a) IN GENERAL.—Subtitle A of the Financial Sta-
bility Act of 2010 (12 U.S.C. 5321 et seq.) is amended by 
adding at the end the following: 
‘‘SEC. 124. DATA STANDARDS. 
‘‘(a) DEFINITIONS.—In this section— 
‘‘(1) the term ‘covered agencies’ means— 
‘‘(A) the Department of the Treasury; 
‘‘(B) the Board of Governors; 
‘‘(C) the Office of the Comptroller of the 
Currency; 
‘‘(D) the Bureau; 
‘‘(E) the Commission; 
‘‘(F) the Corporation; 
‘‘(G) the Federal Housing Finance Agency; 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02395
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2396 
‘‘(H) the National Credit Union Adminis-
tration Board; and 
‘‘(I) any other primary financial regulatory 
agency designated by the Secretary; 
‘‘(2) the terms ‘data asset’, ‘machine-readable’, 
‘metadata’, and ‘open license’ have the meanings 
given the terms in section 3502 of title 44, United 
States Code; and 
‘‘(3) the term ‘data standard’ means a standard 
that specifies rules by which data is described and re-
corded. 
‘‘(b) RULES.— 
‘‘(1) PROPOSED
RULES.—Not later than 18 
months after the date of enactment of this section, the 
heads of the covered agencies shall jointly issue pro-
posed rules for public comment that establish data 
standards for— 
‘‘(A) the collections of information reported 
to each covered agency by financial entities 
under the jurisdiction of the covered agency; and 
‘‘(B) the data collected from covered agen-
cies on behalf of the Council. 
‘‘(2) FINAL RULES.—Not later than 2 years after 
the date of enactment of this section, the heads of the 
covered agencies shall jointly promulgate final rules 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02396
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2397 
that establish the data standards described in para-
graph (1). 
‘‘(c) DATA STANDARDS.— 
‘‘(1) COMMON IDENTIFIERS; QUALITY.—The data 
standards established in the final rules promulgated 
under subsection (b)(2) shall— 
‘‘(A) include common identifiers for collec-
tions of information reported to covered agencies 
or collected on behalf of the Council, which shall 
include a common nonproprietary legal entity 
identifier that is available under an open license 
for all entities required to report to covered agen-
cies; and 
‘‘(B) to the extent practicable— 
‘‘(i) render data fully searchable and 
machine-readable; 
‘‘(ii) enable high quality data through 
schemas, with accompanying metadata doc-
umented in machine-readable taxonomy or 
ontology models, which clearly define the se-
mantic meaning of the data, as defined by 
the underlying regulatory information col-
lection requirements; 
‘‘(iii) ensure that a data element or 
data asset that exists to satisfy an under-
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02397
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2398 
lying regulatory information collection re-
quirement be consistently identified as such 
in associated machine-readable metadata; 
‘‘(iv) be nonproprietary or made avail-
able under an open license; 
‘‘(v) incorporate standards developed 
and maintained by voluntary consensus 
standards bodies; and 
‘‘(vi) use, be consistent with, and im-
plement applicable accounting and report-
ing principles. 
‘‘(2) CONSULTATION; INTEROPERABILITY.—In es-
tablishing data standards in the final rules promul-
gated under subsection (b)(2), the heads of the covered 
agencies shall— 
‘‘(A) consult with other Federal departments 
and agencies and multi-agency initiatives re-
sponsible for Federal data standards; and 
‘‘(B) seek to promote interoperability of fi-
nancial regulatory data across members of the 
Council. 
‘‘(d) EFFECTIVE DATE.—The data standards estab-
lished in the final rules promulgated under subsection (b)(2) 
shall take effect not later than 2 years after the date on 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02398
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2399 
which those final rules are promulgated under that sub-
section.’’. 
(b) CLERICAL AMENDMENT.—The table of contents 
under section 1(b) of the Dodd-Frank Wall Street Reform 
and Consumer Protection Act is amended by inserting after 
the item relating to section 123 the following: 
‘‘Sec. 124. Data standards.’’. 
SEC. 5812. OPEN DATA PUBLICATION BY THE DEPARTMENT 
OF THE TREASURY. 
(a) IN GENERAL.—Subtitle A of the Financial Sta-
bility Act of 2010 (12 U.S.C. 5321 et seq.), as amended by 
section 5811(a), is further amended by adding at the end 
the following: 
‘‘SEC. 125. OPEN DATA PUBLICATION. 
‘‘All public data assets published by the Secretary 
under this subtitle shall be— 
‘‘(1) made available as an open Government 
data asset (as defined in section 3502 of title 44, 
United States Code); 
‘‘(2) freely available for download; 
‘‘(3) rendered in a human-readable format; and 
‘‘(4) accessible via application programming 
interface where appropriate.’’. 
(b) CLERICAL AMENDMENT.—The table of contents 
under section 1(b) of the Dodd-Frank Wall Street Reform 
and Consumer Protection Act, as amended by section 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02399
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2400 
5811(b), is further amended by inserting after the item re-
lating to section 124 the following: 
‘‘Sec. 125. Open data publication.’’. 
(c) RULEMAKING.— 
(1) IN GENERAL.—The Secretary of the Treasury 
shall issue rules to carry out the amendments made 
by this section, which shall take effect not later than 
2 years after the date on which final rules are pro-
mulgated under section 124(b)(2) of the Financial 
Stability Act of 2010, as added by section 5811(a) of 
this title. 
(2) DELEGATION.—Notwithstanding any other 
provision of law, the Secretary of the Treasury may 
delegate the functions required under the amendments 
made by this subtitle to an appropriate office within 
the Department of the Treasury. 
SEC. 5813. NO NEW DISCLOSURE REQUIREMENTS. 
Nothing in this subtitle, or the amendments made by 
this subtitle, shall be construed to require the Secretary of 
the Treasury to collect or make publicly available addi-
tional information under the Financial Stability Act of 
2010 (12 U.S.C. 5311 et seq.), beyond information that was 
collected or made publicly available under that Act, as of 
the day before the date of enactment of this Act. 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02400
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2401 
Subtitle B—Securities and 
Exchange Commission 
SEC. 5821. DATA STANDARDS REQUIREMENTS FOR THE SE-
CURITIES AND EXCHANGE COMMISSION. 
(a) DATA STANDARDS FOR INVESTMENT ADVISERS’ 
REPORTS UNDER
THE INVESTMENT ADVISERS ACT
OF 
1940.—Section 204 of the Investment Advisers Act of 1940 
(15 U.S.C. 80b–4) is amended— 
(1) by redesignating the second subsection (d) 
(relating to ‘‘Records of Persons With Custody of 
Use’’) as subsection (e); and 
(2) by adding at the end the following: 
‘‘(f) DATA STANDARDS FOR REPORTS FILED UNDER 
THIS SECTION.— 
‘‘(1) REQUIREMENT.—The Commission shall, by 
rule, adopt data standards for all reports filed by in-
vestment advisers with the Commission under this 
section. 
‘‘(2) CONSISTENCY.—The data standards re-
quired under paragraph (1) shall incorporate, and 
ensure compatibility with (to the extent feasible), all 
applicable data standards established in the rules pro-
mulgated under section 124 of the Financial Stability 
Act of 2010, including, to the extent practicable, by 
having the characteristics described in clauses (i) 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02401
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2402 
through (vi) of subsection (c)(1)(B) of such section 
124.’’. 
(b) DATA STANDARDS
FOR REGISTRATION STATE-
MENTS AND REPORTS UNDER THE INVESTMENT COMPANY 
ACT OF 1940.—The Investment Company Act of 1940 (15 
U.S.C. 80a–1 et seq.) is amended— 
(1) in section 8 (15 U.S.C. 80a–8), by adding at 
the end the following: 
‘‘(g) DATA STANDARDS FOR REGISTRATION STATE-
MENTS.— 
‘‘(1) REQUIREMENT.—The Commission shall, by 
rule, adopt data standards for all registration state-
ments required to be filed with the Commission under 
this section, except that the Commission may exempt 
exhibits, signatures, and certifications from those data 
standards. 
‘‘(2) CONSISTENCY.—The data standards re-
quired under paragraph (1) shall incorporate, and 
ensure compatibility with (to the extent feasible), all 
applicable data standards established in the rules pro-
mulgated under section 124 of the Financial Stability 
Act of 2010, including, to the extent practicable, by 
having the characteristics described in clauses (i) 
through (vi) of subsection (c)(1)(B) of such section 
124.’’; and 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02402
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2403 
(2) in section 30 (15 U.S.C. 80a–29), by adding 
at the end the following: 
‘‘(k) DATA STANDARDS FOR REPORTS.— 
‘‘(1) REQUIREMENT.—The Commission shall, by 
rule, adopt data standards for all reports required to 
be filed with the Commission under this section, ex-
cept that the Commission may exempt exhibits, signa-
tures, and certifications from those data standards. 
‘‘(2) CONSISTENCY.—The data standards re-
quired under paragraph (1) shall incorporate, and 
ensure compatibility with (to the extent feasible), all 
applicable data standards established in the rules pro-
mulgated under section 124 of the Financial Stability 
Act of 2010, including, to the extent practicable, by 
having the characteristics described in clauses (i) 
through (vi) of subsection (c)(1)(B) of such section 
124.’’. 
(c) DATA STANDARDS FOR INFORMATION REQUIRED 
TO BE SUBMITTED OR PUBLISHED BY NATIONALLY REC-
OGNIZED STATISTICAL RATING ORGANIZATIONS.—Section 
15E of the Securities Exchange Act of 1934 (15 U.S.C. 78o– 
7) is amended by adding at the end the following: 
‘‘(w) DATA STANDARDS FOR INFORMATION REQUIRED 
TO BE SUBMITTED OR PUBLISHED UNDER THIS SEC-
TION.— 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02403
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2404 
‘‘(1) REQUIREMENT.—The Commission shall, by 
rule, adopt data standards for all collections of infor-
mation required to be submitted or published by a na-
tionally recognized statistical rating organization 
under this section. 
‘‘(2) CONSISTENCY.—The data standards re-
quired under paragraph (1) shall incorporate, and 
ensure compatibility with (to the extent feasible), all 
applicable data standards established in the rules pro-
mulgated under section 124 of the Financial Stability 
Act of 2010, including, to the extent practicable, by 
having the characteristics described in clauses (i) 
through (vi) of subsection (c)(1)(B) of such section 
124.’’. 
(d) DATA STANDARDS FOR ASSET-BACKED SECURI-
TIES DISCLOSURES.—Section 7(c) of the Securities Act of 
1933 (15 U.S.C. 77g(c)) is amended by adding at the end 
the following: 
‘‘(3) DATA STANDARDS FOR ASSET-BACKED SE-
CURITIES DISCLOSURES.— 
‘‘(A) 
REQUIREMENT.—The 
Commission 
shall, by rule, adopt data standards for all dis-
closures required under this subsection. 
‘‘(B) CONSISTENCY.—The data standards 
required under subparagraph (A) shall incor-
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02404
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2405 
porate, and ensure compatibility with (to the ex-
tent feasible), all applicable data standards es-
tablished in the rules promulgated under section 
124 of the Financial Stability Act of 2010, in-
cluding, to the extent practicable, by having the 
characteristics described in clauses (i) through 
(vi) of subsection (c)(1)(B) of such section 124.’’. 
(e) DATA STANDARDS FOR CORPORATE DISCLOSURES 
UNDER THE SECURITIES ACT OF 1933.—Title I of the Se-
curities Act of 1933 (15 U.S.C. 77a et seq.) is amended by 
adding at the end the following: 
‘‘SEC. 29. DATA STANDARDS. 
‘‘(a) REQUIREMENT.—The Commission shall, by rule, 
adopt data standards for all registration statements, and 
for all prospectuses included in registration statements, re-
quired to be filed with the Commission under this title, ex-
cept that the Commission may exempt exhibits, signatures, 
and certifications from those data standards. 
‘‘(b) CONSISTENCY.—The data standards required 
under subsection (a) shall incorporate, and ensure compat-
ibility with (to the extent feasible), all applicable data 
standards established in the rules promulgated under sec-
tion 124 of the Financial Stability Act of 2010, including, 
to the extent practicable, by having the characteristics de-
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02405
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2406 
scribed in clauses (i) through (vi) of subsection (c)(1)(B) 
of such section 124.’’. 
(f) DATA STANDARDS FOR PERIODIC AND CURRENT 
CORPORATE DISCLOSURES UNDER THE SECURITIES EX-
CHANGE ACT OF 1934.—Section 13 of the Securities Ex-
change Act of 1934 (15 U.S.C. 78m) is amended by adding 
at the end the following: 
‘‘(s) DATA STANDARDS.— 
‘‘(1) REQUIREMENT.—The Commission shall, by 
rule, adopt data standards for all collections of infor-
mation with respect to periodic and current reports 
required to be filed or furnished under this section or 
under section 15(d), except that the Commission may 
exempt exhibits, signatures, and certifications from 
those data standards. 
‘‘(2) CONSISTENCY.—The data standards re-
quired under paragraph (1) shall incorporate, and 
ensure compatibility with (to the extent feasible), all 
applicable data standards established in the rules pro-
mulgated under section 124 of the Financial Stability 
Act of 2010, including, to the extent practicable, by 
having the characteristics described in clauses (i) 
through (vi) of subsection (c)(1)(B) of such section 
124.’’. 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02406
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2407 
(g) DATA STANDARDS FOR CORPORATE PROXY AND 
CONSENT SOLICITATION MATERIALS UNDER THE SECURI-
TIES EXCHANGE ACT OF 1934.—Section 14 of the Securities 
Exchange Act of 1934 (15 U.S.C. 78n) is amended by add-
ing at the end the following: 
‘‘(k) DATA STANDARDS FOR PROXY AND CONSENT SO-
LICITATION MATERIALS.— 
‘‘(1) REQUIREMENT.—The Commission shall, by 
rule, adopt data standards for all information con-
tained in any proxy or consent solicitation material 
prepared by an issuer for an annual meeting of the 
shareholders of the issuer, except that the Commission 
may exempt exhibits, signatures, and certifications 
from those data standards. 
‘‘(2) CONSISTENCY.—The data standards re-
quired under paragraph (1) shall incorporate, and 
ensure compatibility with (to the extent feasible), all 
applicable data standards established in the rules pro-
mulgated under section 124 of the Financial Stability 
Act of 2010, including, to the extent practicable, by 
having the characteristics described in clauses (i) 
through (vi) of subsection (c)(1)(B) of such section 
124.’’. 
(h) DATA STANDARDS FOR SECURITY-BASED SWAP 
REPORTING.—The Securities Exchange Act of 1934 (15 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02407
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2408 
U.S.C. 78a et seq.) is amended by adding at the end the 
following: 
‘‘SEC. 41. DATA STANDARDS FOR SECURITY-BASED SWAP 
REPORTING. 
‘‘(a) REQUIREMENT.—The Commission shall, by rule, 
adopt data standards for all reports related to security- 
based swaps that are required under this Act. 
‘‘(b) CONSISTENCY.—The data standards required 
under subsection (a) shall incorporate, and ensure compat-
ibility with (to the extent feasible), all applicable data 
standards established in the rules promulgated under sec-
tion 124 of the Financial Stability Act of 2010, including, 
to the extent practicable, by having the characteristics de-
scribed in clauses (i) through (vi) of subsection (c)(1)(B) 
of such section 124.’’. 
(i) RULEMAKING.— 
(1) IN GENERAL.—The rules that the Securities 
and Exchange Commission are required to issue 
under the amendments made by this section shall take 
effect not later than 2 years after the date on which 
final rules are promulgated under section 124(b)(2) of 
the Financial Stability Act of 2010, as added by sec-
tion 5811(a) of this title. 
(2) SCALING
OF
REGULATORY
REQUIREMENTS; 
MINIMIZING
DISRUPTION.—In issuing the rules re-
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02408
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2409 
quired under the amendments made by this section, 
as described in paragraph (1), the Securities and Ex-
change Commission— 
(A) may scale data reporting requirements 
in order to reduce any unjustified burden on 
emerging growth companies, lending institutions, 
accelerated filers, smaller reporting companies, 
and other smaller issuers, as determined by any 
study required under section 5825(b), while still 
providing searchable information to investors; 
and 
(B) shall seek to minimize disruptive 
changes to the persons affected by those rules. 
SEC. 5822. OPEN DATA PUBLICATION BY THE SECURITIES 
AND EXCHANGE COMMISSION. 
Section 4 of the Securities Exchange Act of 1934 (15 
U.S.C. 78d) is amended by adding at the end the following: 
‘‘(k) OPEN DATA PUBLICATION.—All public data as-
sets published by the Commission under the securities laws 
and the Dodd-Frank Wall Street Reform and Consumer 
Protection Act (Public Law 111–203; 124 Stat. 1376) shall 
be— 
‘‘(1) made available as an open Government 
data asset (as defined in section 3502 of title 44, 
United States Code); 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02409
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2410 
‘‘(2) freely available for download; 
‘‘(3) rendered in a human-readable format; and 
‘‘(4) accessible via application programming 
interface where appropriate.’’. 
SEC. 5823. DATA TRANSPARENCY RELATING TO MUNICIPAL 
SECURITIES. 
(a) IN GENERAL.—Section 15B(b) of the Securities 
Exchange Act of 1934 (15 U.S.C. 78o–4(b)) is amended by 
adding at the end the following: 
‘‘(8)(A) The Commission shall adopt data standards 
for information submitted to the Board. 
‘‘(B) Any data standards adopted under subparagraph 
(A) shall incorporate, and ensure compatibility with (to the 
extent feasible), all applicable data standards established in 
the rules promulgated under section 124 of the Financial 
Stability Act of 2010, including, to the extent practicable, 
by having the characteristics described in clauses (i) 
through (vi) of subsection (c)(1)(B) of such section 124. 
‘‘(C) The Commission shall consult market partici-
pants in establishing data standards under subparagraph 
(A). 
‘‘(D) Nothing in this paragraph may be construed to 
affect the operation of paragraph (1) or (2) of subsection 
(d).’’. 
(b) RULEMAKING.— 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02410
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2411 
(1) IN GENERAL.—Not later than 2 years after 
the date on which final rules are promulgated under 
section 124(b)(2) of the Financial Stability Act of 
2010, as added by section 5811(a) of this title, the Se-
curities and Exchange Commission shall issue rules to 
adopt the data standards required under paragraph 
(8) of section 15B(b) of the Securities Exchange Act 
of 1934 (15 U.S.C. 78o–4(b)), as added by subsection 
(a) of this section. 
(2) SCALING
OF
REGULATORY
REQUIREMENTS; 
MINIMIZING
DISRUPTION.—In issuing the rules de-
scribed in paragraph (1) that adopt the data stand-
ards described in that paragraph, the Securities and 
Exchange Commission— 
(A) may scale those data standards in order 
to reduce any unjustified burden on smaller reg-
ulated entities; and 
(B) shall seek to minimize disruptive 
changes to the persons affected by those rules. 
SEC. 5824. DATA TRANSPARENCY AT NATIONAL SECURITIES 
ASSOCIATIONS. 
(a) IN GENERAL.—Section 15A of the Securities Ex-
change Act of 1934 (15 U.S.C. 78o–3) is amended by adding 
at the end the following: 
‘‘(n) DATA STANDARDS.— 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02411
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2412 
‘‘(1) REQUIREMENT.—A national securities asso-
ciation registered pursuant to subsection (a) shall 
adopt data standards for all information that is regu-
larly filed with or submitted to the association. 
‘‘(2) CONSISTENCY.—The data standards re-
quired under paragraph (1) shall incorporate, and 
ensure compatibility with (to the extent feasible), all 
applicable data standards established in the rules pro-
mulgated under section 124 of the Financial Stability 
Act of 2010, including, to the extent practicable, by 
having the characteristics described in clauses (i) 
through (vi) of subsection (c)(1)(B) of such section 
124.’’. 
(b) RULEMAKING.— 
(1) IN GENERAL.—Not later than 2 years after 
the date on which final rules are promulgated under 
section 124(b)(2) of the Financial Stability Act of 
2010, as added by section 5811(a) of this title, each 
national securities association registered pursuant to 
section 15A(a) of the Securities Exchange Act of 1934 
(15 U.S.C. 78o–3(a)) shall issue rules to adopt the 
standards required under subsection (n) of section 
15A of the Securities Exchange Act of 1934 (15 
U.S.C. 78o–3), as added by subsection (a) of this sec-
tion. 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02412
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2450 
(V) increase market competition in the 
provision of digital services; 
(VI) enable dynamic contracting and 
contract execution through smart contracts; 
(VII) enable participants to collaborate 
in trustless and disintermediated environ-
ments; 
(VIII) enable the operations and gov-
ernance of distributed organizations; 
(IX) create new ownership models for 
digital items; and 
(X) increase participation of popu-
lations historically underrepresented in the 
technology, business, and financial sectors. 
(ii) In consideration of the potential risks of 
applications of distributed ledger technologies 
under clause (i), the Director shall take into ac-
count, where applicable— 
(I) additional risks that may emerge 
from distributed ledger technologies, as 
identified in reports submitted to the Presi-
dent pursuant to Executive Order 14067, 
that may be addressed by research and de-
velopment; 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02450
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE
2466 
‘‘§ 3608. Federal Risk and Authorization Management 
Program 
‘‘There is established within the General Services Ad-
ministration the Federal Risk and Authorization Manage-
ment Program. The Administrator, subject to section 3614, 
shall establish a Government-wide program that provides 
a standardized, reusable approach to security assessment 
and authorization for cloud computing products and serv-
ices that process unclassified information used by agencies. 
‘‘§ 3609. Roles and responsibilities of the General 
Services Administration 
‘‘(a) ROLES AND RESPONSIBILITIES.—The Adminis-
trator shall— 
‘‘(1) in consultation with the Secretary, develop, 
coordinate, and implement a process to support agen-
cy review, reuse, and standardization, where appro-
priate, of security assessments of cloud computing 
products and services, including, as appropriate, 
oversight of continuous monitoring of cloud com-
puting products and services, pursuant to guidance 
issued by the Director pursuant to section 3614; 
‘‘(2) establish processes and identify criteria con-
sistent with guidance issued by the Director under 
section 3614 to make a cloud computing product or 
service eligible for a FedRAMP authorization and 
VerDate Sep 11 2014 
00:43 Dec 08, 2022
Jkt 000000
PO 00000
Frm 02466
Fmt 6652
Sfmt 6203
Z:\XMLBILLS\H7776.EAH
NODE