553 
(A) in subsection (a), by striking ‘‘the Di-
rector of the Office of Thrift Supervision’’ each 
place such term appears and inserting ‘‘the 
Comptroller of the Currency’’; and 
(B) in subsection (d)(1), by striking the 
comma after ‘‘Administration’’. 
(b) BANK HOLDING COMPANY ACT AMENDMENTS OF 
1970.—Section 106(b)(1) of the Bank Holding Company 
Act Amendments of 1970 (12 U.S.C. 1972(1)) is amended, 
in the undesignated matter at the end, by striking ‘‘Federal 
Deposit Insurance Company’’ and inserting ‘‘Federal De-
posit Insurance Corporation’’. 
(c) BALANCED BUDGET
AND EMERGENCY DEFICIT 
CONTROL ACT.—Section 255(g)(1)(A) of the Balanced 
Budget and Emergency Deficit Control Act of 1985 (2 
U.S.C. 905(g)(1)(A)) is amended by striking ‘‘Office of 
Thrift Supervision (20–4108–0–3–373).’’. 
(d) BRETTON WOODS AGREEMENTS ACT.—Section 
68(a)(1) of the Bretton Woods Agreements Act (22 U.S.C. 
286tt(a)(1)) is amended by striking ‘‘Fund ,’’ and inserting 
‘‘Fund,’’. 
(e) CAN–SPAM ACT OF 2003.—Section 7(b)(1)(D) of 
the CAN–SPAM Act of 2003 (15 U.S.C. 7706(b)(1)(D)) is 
amended by striking ‘‘Director of the Office of Thrift Super-
vision’’ and inserting ‘‘Comptroller of the Currency or the 
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554 
Board of Directors of Federal Deposit Insurance Corpora-
tion, as applicable,’’. 
(f) CHILDREN’S ONLINE PRIVACY PROTECTION ACT OF 
1998.—Section 1306(b)(2) of the Children’s Online Privacy 
Protection Act of 1998 (15 U.S.C. 6505(b)(2)) is amended 
by striking ‘‘Director of the Office of Thrift Supervision’’ 
and inserting ‘‘Comptroller of the Currency and the Board 
of Directors of Federal Deposit Insurance Corporation, as 
applicable,’’. 
(g) COMMUNITY REINVESTMENT ACT OF 1977.—The 
Community Reinvestment Act of 1977 (12 U.S.C. 2901 et 
seq.) is amended— 
(1) in section 803(1)(C) (12 U.S.C. 2902(1)(C)), 
by striking the period at the end and inserting a 
semicolon; and 
(2) in section 806 (12 U.S.C. 2905), by striking 
‘‘companies,,’’ and inserting ‘‘companies,’’. 
(h) CREDIT REPAIR ORGANIZATIONS ACT.—Section 
403(4) of the Credit Repair Organizations Act (15 U.S.C. 
1679a(4)) is amended by striking ‘‘103(e)’’ and inserting 
‘‘103(f)’’. 
(i) DEPOSITORY INSTITUTION MANAGEMENT INTER-
LOCKS ACT.—Section 205(9) of the Depository Institution 
Management Interlocks Act (12 U.S.C. 3204(9)) is amended 
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555 
by striking ‘‘Director of the Office of Thrift Supervision’’ 
and inserting ‘‘appropriate Federal banking agency’’. 
(j) ECONOMIC GROWTH
AND REGULATORY PAPER-
WORK REDUCTION ACT OF 1996.—Section 2227(a)(1) of the 
Economic Growth and Regulatory Paperwork Reduction 
Act of 1996 (12 U.S.C. 252(a)(1)) is amended by striking 
‘‘the Director of the Office of Thrift Supervision,’’. 
(k) ELECTRONIC FUND TRANSFER ACT.—The Elec-
tronic Fund Transfer Act (15 U.S.C. 1693 et seq.) is 
amended— 
(1) in section 903 (15 U.S.C. 1693a)— 
(A) in paragraph (2), by striking ‘‘103(i)’’ 
and inserting ‘‘103(j)’’; and 
(B) by redesignating the first paragraph 
designated as paragraph (4) (defining the term 
‘‘Board’’), as paragraph (3); 
(2) in section 904(a) (15 U.S.C. 1693b(a))— 
(A) by redesignating the second paragraph 
designated as paragraph (1) (relating to con-
sultation with other agencies), the second para-
graph designated as paragraph (2) (relating to 
the preparation of an analysis of economic im-
pact), paragraph (3), and paragraph (4), as sub-
paragraphs (A), (B), (C), and (D), respectively, 
and adjusting the margins accordingly; and 
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556 
(B) by striking ‘‘In prescribing such regula-
tions, the Board shall:’’ and inserting the fol-
lowing: 
‘‘(3) REGULATIONS.—In prescribing regulations 
under this subsection, the Agency and the Board 
shall—’’; 
(3) in section 909(c) (15 U.S.C. 1693g(c)), by 
striking ‘‘103(e)’’ and inserting ‘‘103(f)’’; 
(4) in section 918(a)(4) (15 U.S.C. 1693o(a)(4), 
by striking ‘‘Act and’’ and inserting ‘‘Act; and’’; 
(5) by redesignating the section added by section 
1073(4) of the Dodd-Frank Wall Street Reform and 
Consumer Protection Act (relating to remittance 
transfers) (15 U.S.C. 1693o–1) as section 920 of the 
Electronic Fund Transfer Act; 
(6) by redesignating the section headed ‘‘Relation 
to State laws’’ (15 U.S.C. 1693q) as section 921 of the 
Electronic Fund Transfer Act; 
(7) by redesignating the section headed ‘‘Exemp-
tion for State regulation’’ (15 U.S.C. 1693r) as sec-
tion 922 of the Electronic Fund Transfer Act; and 
(8) by redesignating the section headed ‘‘Effective 
date’’ (15 U.S.C. 1693 note) as section 923 of the 
Electronic Fund Transfer Act. 
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557 
(l) EMERGENCY ECONOMIC STABILIZATION ACT OF 
2008.—Section 101(b) of the Emergency Economic Sta-
bilization Act of 2008 (12 U.S.C. 5211(b)) is amended by 
striking ‘‘the Director of the Office of Thrift Supervision,’’. 
(m) EQUAL CREDIT OPPORTUNITY ACT.—The Equal 
Credit Opportunity Act (15 U.S.C. 1691 et seq.) is amend-
ed— 
(1) in section 703 (15 U.S.C. 1691b)— 
(A) in each of subsections (c) and (d), by 
striking ‘‘paragraph’’ each place that term ap-
pears and inserting ‘‘subsection’’; and 
(B) in subsection (g), by adding a period at 
the end; 
(2) in section 704 (15 U.S.C. 1691c)— 
(A) in subsection (a)— 
(i) by striking ‘‘Consumer Protection 
Financial Protection Act of 2010 with’’ and 
inserting ‘‘Consumer Financial Protection 
Act of 2010, compliance with’’; 
(ii) in paragraph (1)— 
(I) by striking ‘‘section 8’’ and in-
serting ‘‘Section 8’’; and 
(II) in subparagraph (C), by 
striking 
‘‘banks;’’ 
and 
inserting 
‘‘banks.’’; 
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558 
(iii) in each of paragraphs (6) and (7), 
by striking the semicolon at the end and in-
serting a period; and 
(iv) in paragraph (8), by striking ‘‘; 
and’’ and inserting a period; and 
(B) in subsection (c), in the second sentence, 
by striking ‘‘subchapter’’ and inserting ‘‘title’’; 
and 
(3) in section 706(k) (15 U.S.C. 1691e(k)), by 
striking ‘‘, (2), or (3)’’ and inserting ‘‘or (2)’’. 
(n) EXPEDITED FUNDS AVAILABILITY ACT.—The Ex-
pedited Funds Availability Act (12 U.S.C. 4001 et seq.) is 
amended— 
(1) 
in 
section 
605(f)(2)(A) 
(12 
U.S.C. 
4004(f)(2)(A)), by striking ‘‘,,’’ and inserting a semi-
colon; and 
(2) in section 610(a)(2) (12 U.S.C. 4009(a)(2)), 
by striking ‘‘Director of the Office of Thrift Super-
vision’’ and inserting ‘‘Comptroller of the Currency 
and the Board of Directors of the Federal Deposit In-
surance Corporation, as appropriate,’’. 
(o) FAIR CREDIT REPORTING ACT.—The Fair Credit 
Reporting Act (15 U.S.C. 1681 et seq.) is amended— 
(1) in section 603 (15 U.S.C. 1681a)— 
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559 
(A) in subsection (d)(2)(D), by striking 
‘‘(x)’’ and inserting ‘‘(y)’’; 
(B) in subsection (q)(5), by striking 
‘‘103(i)’’ and inserting ‘‘103(j)’’; and 
(C) in subsection (v), by striking ‘‘Bureau’’ 
and inserting ‘‘Federal Trade Commission’’; 
(2) in section 604 (15 U.S.C. 1681b)— 
(A) in subsection (b)— 
(i) in paragraph (2)(B)(i), by striking 
‘‘section 615(a)(3)’’ and inserting ‘‘section 
615(a)(4)’’; 
(ii) in paragraph (3)(B)(ii), by strik-
ing 
‘‘clause 
(B)(i)(IV)’’ 
and 
inserting 
‘‘clause (i)(IV)’’; 
(iii) in paragraph (4)(A)(ii), by in-
serting ‘‘and’’ after the semicolon; and 
(iv) by striking ‘‘section 609(c)(3)’’ 
each place that term appears and inserting 
‘‘section 609(c)’’; and 
(B) in subsection (g)(5), by striking ‘‘PARA-
GRAPH (2).—’’ and all that follows through ‘‘The 
Bureau’’ and inserting ‘‘PARAGRAPH
(2).—The 
Agency’’; 
(3) in section 605 (15 U.S.C. 1681c)— 
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560 
(A) in subsection (f), by striking ‘‘who’’ and 
inserting ‘‘which’’; and 
(B) in subsection (h)(2)(A)— 
(i) by striking ‘‘shall,,’’ and inserting 
‘‘shall,’’; and 
(ii) by striking ‘‘Commission,,’’ and 
inserting ‘‘Commission,’’; 
(4) in section 605A(h)(1)(A) (15 U.S.C. 1681c– 
1(h)(1)(A)), by striking ‘‘103(i)’’ and inserting 
‘‘103(j)’’; 
(5) 
in 
section 
607(e)(3)(A) 
(15 
U.S.C. 
1681e(e)(3)(A)), by striking ‘‘section 604(b)(4)(E)(i)’’ 
and inserting ‘‘section 604(b)(4)(D)(i)’’; 
(6) in section 609 (15 U.S.C. 1681g)— 
(A) in subsection (a)(3)(C)(i), by striking 
‘‘section 604(b)(4)(E)(i)’’ and inserting ‘‘section 
604(b)(4)(D)(i)’’; 
(B) in subsection (c)(1)— 
(i) in the paragraph heading, by strik-
ing ‘‘COMMISSION’’ and inserting ‘‘BU-
REAU’’; and 
(ii) in subparagraph (B)(vi), by strik-
ing ‘‘603(w)’’ and inserting ‘‘603(x)’’; 
(C) in subsection (e)(2)(B)(ii)(II), by strik-
ing ‘‘an’’; and 
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srobinson on DSKBC5CHB2PROD with BILLS
561 
(D) by striking ‘‘The Commission’’ each 
place that term appears and inserting ‘‘The Bu-
reau’’; 
(7) in section 610 (15 U.S.C. 1681h)— 
(A) in subsection (b)(1), by inserting ‘‘sec-
tion’’ after ‘‘under’’; and 
(B) in subsection (e), by inserting a comma 
after ‘‘on the report’’; 
(8) in section 611 (15 U.S.C. 1681i), by striking 
‘‘The Commission’’ each place that term appears and 
inserting ‘‘The Agency’’; 
(9) in section 612 (15 U.S.C. 1681j)— 
(A) in subsection (a)(1)— 
(i) by striking ‘‘(w)’’ and inserting 
‘‘(x)’’; and 
(ii) in subparagraph (C), by striking 
‘‘603(w)’’ each place that term appears and 
inserting ‘‘603(x)’’; 
(B) 
in 
subsection 
(g), 
by 
striking 
‘‘televison’’ and inserting ‘‘television’’; and 
(C) by striking ‘‘The Commission’’ each 
place that term appears and inserting ‘‘The Bu-
reau’’; 
(10) in section 621 (15 U.S.C. 1681s)— 
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srobinson on DSKBC5CHB2PROD with BILLS
562 
(A) in subsection (a)(1), in the first sen-
tence, by striking ‘‘, subsection (b)’’; 
(B) in subsection (e)(2), by inserting a pe-
riod after ‘‘provisions of this title’’; and 
(C) in subsection (f)(2), by striking ‘‘The 
Commission’’ and inserting ‘‘The Agency’’ and 
(11) in section 623(a)(5) (15 U.S.C. 1681s– 
2(a)(5)), by striking ‘‘OF ACCOUNTS.—(A) IN GEN-
ERAL.—A person’’ and inserting ‘‘OF ACCOUNTS.— 
‘‘(A) IN GENERAL.—A person’’. 
(p) 
FEDERAL
CREDIT
UNION
ACT.—Section 
206(g)(7)(D)(iv) of the Federal Credit Union Act (12 
U.S.C. 1786(g)(7)(D)(iv)) is amended by striking the semi-
colon at the end and inserting a period. 
(q) FEDERAL DEPOSIT INSURANCE ACT.—The Federal 
Deposit Insurance Act (12 U.S.C. 1811 et seq.) is amend-
ed— 
(1) 
in 
section 
3(q)(2)(C) 
(12 
U.S.C. 
1813(q)(2)(C)), by adding ‘‘and’’ at the end; 
(2) in section 7 (12 U.S.C. 1817)— 
(A) in subsection (b)(2)— 
(i) in subparagraph (A), by striking 
‘‘(D)’’ and inserting ‘‘(C)’’; and 
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563 
(ii) by redesignating subparagraphs 
(D) and (E) as subparagraphs (C) and (D), 
respectively; and 
(B) in subsection (e)(2)(C), by adding a pe-
riod at the end; 
(3) in section 8 (12 U.S.C. 1818)— 
(A) in subsection (b)(3), by striking ‘‘Act))’’ 
and inserting ‘‘Act)’’; and 
(B) in subsection (t)(2)(C), by striking ‘‘de-
positors or’’ and inserting ‘‘depositors; or’’; 
(4) in section 11 (12 U.S.C. 1821)— 
(A) in subsection (d)(2)(I)(ii), by striking 
‘‘and section 21A(b)(4)’’; and 
(B) in subsection (m), in each of para-
graphs (16) and (18), by striking the comma 
after ‘‘Comptroller of the Currency’’ each place it 
appears; and 
(5) in section 26(a) (12 U.S.C. 1831c(a)), by 
striking ‘‘Holding Company Act’’ each place that 
term appears and inserting ‘‘Holding Company Act 
of 1956’’. 
(r) FEDERAL FIRE PREVENTION AND CONTROL ACT 
OF 1974.—Section 31(a)(5)(B) of the Federal Fire Preven-
tion and Control Act of 1974 (15 U.S.C. 2227(a)(5)(B)) is 
amended by striking ‘‘the Federal Deposit Insurance Cor-
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564 
poration’’ and all that follows through the period and in-
serting ‘‘or the Federal Deposit Insurance Corporation 
under the affordable housing program under section 40 of 
the Federal Deposit Insurance Act.’’. 
(s) FEDERAL HOME LOAN BANK ACT.—The Federal 
Home Loan Bank Act (12 U.S.C. 1421 et seq.) is amend-
ed— 
(1) in section 10(h)(1) (12 U.S.C. 1430(h)(1)), 
by striking ‘‘Director of the Office of Thrift Super-
vision’’ and inserting ‘‘Comptroller of the Currency or 
the Board of Directors of the Federal Deposit Insur-
ance Corporation, as applicable’’; and 
(2) in section 22(a) (12 U.S.C. 1442(a))— 
(A) in the matter preceding paragraph (1), 
by striking ‘‘Comptroller of the Currency’’ and 
all that follows through ‘‘Supervision’’ and in-
serting ‘‘Comptroller of the Currency, the Chair-
man of the Board of Governors of the Federal 
Reserve System, the Chairperson of the Federal 
Deposit Insurance Corporation, and the Chair-
man of the National Credit Union Administra-
tion’’; and 
(B) in the undesignated matter following 
paragraph (2), by striking ‘‘Comptroller of the 
Currency’’ and all that follows through ‘‘Super-
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565 
vision’’ and inserting ‘‘Comptroller of the Cur-
rency, the Chairman of the Board of Governors 
of the Federal Reserve System, and the Chair-
man of the National Credit Union Administra-
tion’’. 
(t) FEDERAL RESERVE ACT.—Paragraph (8)(B) of 
section 11(s) of the Federal Reserve Act (headed ‘‘Federal 
Reserve Transparency and Release of Information’’) (12 
U.S.C. 248) is amended by striking ‘‘this section’’ and in-
serting ‘‘this subsection’’. 
(u) FINANCIAL INSTITUTIONS REFORM, RECOVERY, 
AND ENFORCEMENT ACT OF 1989.—The Financial Institu-
tions Reform, Recovery, and Enforcement Act of 1989 (Pub-
lic Law 101–73; 103 Stat. 183) is amended in section 
1121(6) (12 U.S.C. 3350(6)), by striking ‘‘the Office of 
Thrift Supervision,’’. 
(v) GRAMM-LEACH-BLILEY ACT.—The Gramm-Leach- 
Bliley Act (Public Law 106–102; 113 Stat. 1338) is amend-
ed— 
(1) in section 132(a) (12 U.S.C. 1828b(a)), by 
striking ‘‘the Director of the Office of Thrift Super-
vision,’’; 
(2) in section 206(a) (15 U.S.C. 78c note), by 
striking ‘‘Except as provided in subsection (e), for’’ 
and inserting ‘‘For’’; 
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566 
(3) in section 502(e)(5) (15 U.S.C. 6802(e)(5)), 
by striking ‘‘a Federal’’ and inserting ‘‘, a Federal’’; 
(4) in section 504(a)(2) (15 U.S.C. 6804(a)(2)), 
by striking ‘‘and, as appropriate, and with’’ and in-
serting ‘‘and, as appropriate, with’’; 
(5) in section 509(2) (15 U.S.C. 6809(2))— 
(A) by striking subparagraph (D); and 
(B) by redesignating subparagraphs (E) 
and (F) as subparagraphs (D) and (E), respec-
tively; and 
(6) in section 522(b)(1)(A)(iv) (15 U.S.C. 
6822(b)(1)(A)(iv)), by striking ‘‘Director of the Office 
of Thrift Supervision’’ and inserting ‘‘Comptroller of 
the Currency and the Board of Directors of the Fed-
eral Deposit Insurance Corporation, as appropriate’’. 
(w) HELPING FAMILIES SAVE THEIR HOMES ACT OF 
2009.—Section 104 of the Helping Families Save Their 
Homes Act of 2009 (12 U.S.C. 1715z–25) is amended— 
(1) in subsection (a)— 
(A) by striking ‘‘and the Director of the Of-
fice of Thrift Supervision, shall jointly’’ and in-
serting ‘‘shall’’; 
(B) by striking ‘‘and the Office of Thrift 
Supervision’’; and 
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567 
(C) by striking ‘‘each such’’ and inserting 
‘‘such’’; and 
(2) in subsection (b)(1)— 
(A) in subparagraph (A)— 
(i) in the first sentence— 
(I) by striking ‘‘and the Director 
of the Office of Thrift Supervision,’’; 
and 
(II) by striking ‘‘or the Director’’; 
(ii) in the second sentence, by striking 
‘‘and the Director of the Office of Thrift Su-
pervision’’; and 
(B) in subparagraph (B), by striking ‘‘and 
the Director of the Office of Thrift Supervision’’. 
(x) HOME MORTGAGE DISCLOSURE ACT OF 1975.— 
The Home Mortgage Disclosure Act of 1975 (12 U.S.C. 2801 
et seq.) is amended— 
(1) in section 304— 
(A) in subsection (b)(5)(A), by striking ‘‘15 
U.S.C. 1602(aa)(4)’’ and inserting ‘‘section 
103(aa)(4) of the Truth in Lending Act’’; and 
(B) 
in 
subsection 
(j)(3) 
(12 
U.S.C. 
2803(j)(3)), by adding a period at the end; and 
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568 
(2) in section 305(b)(1)(A)(iii) (12 U.S.C. 
2804(b)(1)(A)(iii)), by striking ‘‘bank as,’’ and insert-
ing ‘‘bank, as’’. 
(y) HOME OWNERS’ LOAN ACT.—The Home Owners’ 
Loan Act (12 U.S.C. 1461 et seq.) is amended— 
(1) in section 5 (12 U.S.C. 1464)— 
(A) in subsection (d)(2)(E)(ii)— 
(i) in the first sentence, by striking 
‘‘Except as provided in section 21A of the 
Federal Home Loan Bank Act, the’’ and in-
serting ‘‘The’’; and 
(ii) by striking ‘‘, at the Director’s dis-
cretion,’’; 
(B) in subsection (i)(6), by striking ‘‘the Of-
fice of Thrift Supervision or’’; 
(C) in subsection (m), by striking ‘‘Direc-
tor’s’’ each place that term appears and insert-
ing ‘‘appropriate Federal banking agency’s’’; 
(D) in subsection (n)(9)(B), by striking 
‘‘Director’s’’ and inserting ‘‘Comptroller’s’’; and 
(E) in subsection (s)— 
(i) in paragraph (1)— 
(I) in the matter preceding sub-
paragraph (A), by striking ‘‘of such 
Act)’’ and all that follows through 
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srobinson on DSKBC5CHB2PROD with BILLS
569 
‘‘shall require’’ and inserting ‘‘of such 
Act), the appropriate Federal banking 
agency shall require’’; and 
(II) in subparagraph (B), by 
striking ‘‘other methods’’ and all that 
follows through ‘‘determines’’ and in-
serting ‘‘other methods as the appro-
priate Federal banking agency deter-
mines’’; 
(ii) in paragraph (2)— 
(I) by striking ‘‘DETERMINED’’ 
and all that follows through ‘‘may, 
consistent’’ and inserting ‘‘DETER-
MINED
BY
APPROPRIATE
FEDERAL 
BANKING AGENCY CASE-BY-CASE.—The 
appropriate Federal banking agency 
may, consistent’’; and 
(II) by striking ‘‘capital-to-assets’’ 
and all that follows through ‘‘deter-
mines to be necessary’’ and inserting 
‘‘capital-to-assets as the appropriate 
Federal banking agency determines to 
be necessary’’; 
(2) in section 6(c) (12 U.S.C. 1465(c)), by strik-
ing ‘‘sections’’ and inserting ‘‘section’’; 
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srobinson on DSKBC5CHB2PROD with BILLS
572 
(cc) INTERNATIONAL LENDING SUPERVISION ACT OF 
1983.—Section 912 of the International Lending Super-
vision Act of 1983 (12 U.S.C. 3911) is amended— 
(1) by amending the section heading to read as 
follows: ‘‘EQUAL
REPRESENTATION
FOR
FED-
ERAL DEPOSIT INSURANCE CORPORATION’’; 
(2) by striking ‘‘(a) IN GENERAL.—’’; and 
(3) by striking subsection (b). 
(dd) INTERSTATE LAND SALES FULL DISCLOSURE 
ACT.—The Interstate Land Sales Full Disclosure Act (15 
U.S.C. 1701 et seq.) is amended in each of section 1411(b) 
(15 U.S.C. 1710(b)) and subsections (b)(4) and (d) of sec-
tion 1418a (15 U.S.C. 1717a), by striking ‘‘Secretary’s’’ 
each place that term appears and inserting ‘‘Director’s’’. 
(ee) LEGAL CERTAINTY FOR BANK PRODUCTS ACT OF 
2000.—Section 403(b)(1) of the Legal Certainty for Bank 
Products Act of 2000 (7 U.S.C. 27a(b)(1)) is amended by 
striking ‘‘that section’’ and inserting ‘‘section’’. 
(ff) PUBLIC LAW 93–495.—Section 111 of Public Law 
93–495 (12 U.S.C. 250) is amended by striking ‘‘the Direc-
tor of the Office of Thrift Supervision,’’. 
(gg) REVISED STATUTES OF THE UNITED STATES.— 
Section 5136C(i) of the Revised Statutes of the United 
States (12 U.S.C. 25b(i)) is amended by striking ‘‘POW-
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573 
ERS.—’’ and all that follows through ‘‘In accordance’’ and 
inserting ‘‘POWERS.—In accordance’’. 
(hh) RIEGLE COMMUNITY DEVELOPMENT AND REGU-
LATORY IMPROVEMENT ACT OF 1994.—Section 117(e) of the 
Riegle Community Development and Regulatory Improve-
ment Act of 1994 (12 U.S.C. 4716(e)) is amended by strik-
ing ‘‘the Director of the Office of Thrift Supervision,’’. 
(ii) S.A.F.E. MORTGAGE LICENSING ACT OF 2008.— 
Section 1514 of the S.A.F.E. Mortgage Licensing Act of 
2008 (12 U.S.C. 5113) is amended in each of subsections 
(b)(5) and (c)(4)(C), by striking ‘‘Secretary’s’’ each place 
that term appears and inserting ‘‘Director’s’’. 
(jj) SECURITIES EXCHANGE ACT OF 1934.—The Secu-
rities Exchange Act of 1934 (15 U.S.C. 78a et seq.) is 
amended— 
(1) in section 3C(g)(4)(B)(v) (15 U.S.C. 78c– 
3(g)(4)(B)(v)), by striking ‘‘of that Act’’ and inserting 
‘‘of that section’’; 
(2) in section 3D(d)(10)(A) (15 U.S.C. 78c– 
4(d)(10)(A)), by striking ‘‘taking’’ and inserting 
‘‘take’’; 
(3) in section 3E(b)(1) (15 U.S.C. 78c–5(b)(1)), 
by striking ‘‘though’’ and inserting ‘‘through’’; 
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574 
(4) 
in 
section 
4(g)(8)(A) 
(15 
U.S.C. 
78d(g)(8)(A)), by striking ‘‘(2)(A)(i)’’ and inserting 
‘‘(2)(A)(ii)’’; 
(5) in section 15 (15 U.S.C. 78o)— 
(A) in each of subparagraphs (B)(ii) and 
(C) of subsection (b)(4), by striking ‘‘dealer mu-
nicipal advisor,,’’ and inserting ‘‘dealer, munic-
ipal advisor,’’; 
(B) by redesignating subsection (j) (relating 
to the authority of the Commission) as subsection 
(p) and moving that subsection to the end; 
(C) as amended by section 841(d), by redes-
ignating the section subsection (k) and second 
subsection (l) (relating to standard of conduct 
and other matters, respectively), as added by sec-
tion 913(g)(1) of the Dodd-Frank Wall Street 
Reform and Consumer Protection Act (124 Stat. 
1828), as subsections (q) and (r), respectively 
and moving those subsections to the end; and 
(D) in subsection (m), by inserting ‘‘the’’ 
before ‘‘same extent’’; 
(6) in section 15F(h) (15 U.S.C. 78o–10(h))— 
(A) in paragraph (2)(A), by inserting ‘‘a’’ 
after ‘‘that acts as an advisor to’’; 
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575 
(B) in paragraph (2)(B), by inserting ‘‘a’’ 
after ‘‘offers to enter into’’; and 
(C) in paragraph (5)(A)(i)— 
(i) by inserting ‘‘(A)’’ after ‘‘(18)’’; 
and 
(ii) in subclause (VII), by striking ‘‘act 
of’’ and inserting ‘‘Act of’’; 
(7) in section 15G (15 U.S.C. 78o–11)— 
(A) in subsection (b)(2), by inserting 
‘‘Board of Directors of the’’ before ‘‘Federal 
Housing’’; 
(B) in subsection (e)(4)(A), by striking 
‘‘subsection’’ and inserting ‘‘section’’; 
(C) in subsection (e)(4)(C)— 
(i) by striking ‘‘129C(c)(2)’’ and in-
serting ‘‘129C(b)(2)(A)’’; and 
(ii) 
by 
inserting 
‘‘(15 
U.S.C. 
1639c(b)(2)(A))’’ after ‘‘Lending Act’’; and 
(D) in subsection (e)(5), by striking ‘‘sub-
section’’ and inserting ‘‘section’’; and 
(8) in section 17A (15 U.S.C. 78q–1), by redesig-
nating subsection (g), as added by section 929W of the 
Dodd-Frank Wall Street Reform and Consumer Pro-
tection Act (relating to due diligence for the delivery 
of dividends, interest, and other valuable property 
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576 
rights) as subsection (n) and moving that subsection 
to the end. 
(kk) TELEMARKETING AND CONSUMER FRAUD AND 
ABUSE
PREVENTION
ACT.—Section 3(b) of the Tele-
marketing and Consumer Fraud and Abuse Prevention Act 
(15 U.S.C. 6102(b)) is amended by inserting before the pe-
riod at the end the following: ‘‘, provided, however, nothing 
in this section shall conflict with or supersede section 6 of 
the Federal Trade Commission Act (15 U.S.C. 46)’’. 
(ll) TITLE 5.—Title 5, United States Code, is amend-
ed— 
(1) in section 3132(a)(1)(D), as amended by sec-
tion 711, by striking ‘‘the Office of Thrift Super-
vision,, the Resolution Trust Corporation,’’; and 
(2) in section 5314, by striking ‘‘Director of the 
Office of Thrift Supervision.’’. 
(mm) TITLE 31.— 
(1) AMENDMENTS.—Title 31, United States 
Code, is amended— 
(A) by striking section 309; and 
(B) in section 714(d)(3)(B) by striking ‘‘a 
audit’’ and inserting ‘‘an audit’’. 
(2) ANALYSIS.—The analysis for subchapter I of 
chapter 3 of title 31, United States Code, is amended 
by striking the item relating to section 309. 
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577 
(nn) TRUTH IN LENDING ACT.—The Truth in Lending 
Act (15 U.S.C. 1601 et seq.) is amended— 
(1) in section 105 (15 U.S.C. 1604), by inserting 
subsection (h), as added by section 1472(c) of the 
Dodd-Frank Wall Street Reform and Consumer Pro-
tection Act (124 Stat. 2187), before subsection (i), as 
added by section 1100A(7) of that Act (124 Stat. 
2108); 
(2) 
in 
section 
106(f)(2)(B)(i) 
(15 
U.S.C. 
1605(f)(2)(B)(i)), by striking ‘‘103(w)’’ and inserting 
‘‘103(x)’’; 
(3) in section 121(b) (15 U.S.C. 1631(b)), by 
striking ‘‘103(f)’’ and inserting ‘‘103(g)’’; 
(4) in section 122(d)(5) (15 U.S.C. 1632(d)(5)), 
by striking ‘‘section 603)’’ and all that follows 
through ‘‘promulgate’’ and inserting ‘‘section 603), 
may promulgate’’; 
(5) in section 125(e)(1) (15 U.S.C. 1635(e)(1)), 
by striking ‘‘103(w)’’ and inserting ‘‘103(x)’’; 
(6) in section 129 (15 U.S.C. 1639)— 
(A) in subsection (q), by striking ‘‘(l)(2)’’ 
and inserting ‘‘(p)(2)’’; and 
(B) in subsection (u)(3), by striking 
‘‘Board’’ each place that term appears and in-
serting ‘‘Agency’’; 
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578 
(7) in section 129C (15 U.S.C. 1639c)— 
(A) in subsection (b)(2)(B), by striking the 
second period at the end; and 
(B) in subsection (c)(1)(B)(ii)(I), by strik-
ing ‘‘a original’’ and inserting ‘‘an original’’; 
(8) in section 148(d) (15 U.S.C. 1665c(d)), by 
striking ‘‘Bureau’’ and inserting ‘‘Board’’; 
(9) in section 149 (15 U.S.C. 1665d)— 
(A) by striking ‘‘the Director of the Office of 
Thrift Supervision,’’ each place that term ap-
pears; 
(B) by striking ‘‘National Credit Union Ad-
ministration Bureau’’ and inserting ‘‘National 
Credit Union Administration Board’’ each place 
that term appears; and 
(C) by striking ‘‘Bureau of Directors of the 
Federal Deposit Insurance Corporation’’ and in-
serting ‘‘Board of Directors of the Federal De-
posit Insurance Corporation’’ each place that 
term appears; and 
(10) in section 181(1) (15 U.S.C. 1667(1)), by 
striking ‘‘103(g)’’ and inserting ‘‘103(h)’’. 
(oo) TRUTH IN SAVINGS ACT.—The Truth in Savings 
Act (12 U.S.C. 4301 et seq.) is amended in each of sections 
269(a)(4) (12 U.S.C. 4308(a)(4)), 270(a)(2) (12 U.S.C. 
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Union Calendar No. 100 
115TH CONGRESS 
1ST SESSION 
H. R. 10 
[Report No. 115–153, Part I] 
A BILL 
To create hope and opportunity for investors, con-
sumers, and entrepreneurs by ending bailouts 
and Too Big to Fail, holding Washington and 
Wall Street accountable, eliminating red tape to 
increase access to capital and credit, and repeal-
ing the provisions of the Dodd-Frank Act that 
make America less prosperous, less stable, and 
less free, and for other purposes. 
MAY 25, 2017 
Reported from the Committee on Financial Services with 
an amendment 
MAY 25, 2017 
The Committees on Agriculture, Ways and Means, the 
Judiciary, Oversight and Government Reform, Trans-
portation and Infrastructure, Rules, the Budget, and 
Education and the Workforce discharged; committed to 
the Committee of the Whole House on the State of the 
Union and ordered to be printed 
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