I 
113TH CONGRESS 
2D SESSION 
H. R. 4788 
To provide regulatory relief for mid-sized financial institutions, and for other 
purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MAY 30, 2014 
Mr. DUFFY introduced the following bill; which was referred to the Committee 
on Financial Services, and in addition to the Committee on Agriculture, 
for a period to be subsequently determined by the Speaker, in each case 
for consideration of such provisions as fall within the jurisdiction of the 
committee concerned 
A BILL 
To provide regulatory relief for mid-sized financial 
institutions, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Relief for America’s 
Main Street Lenders Act’’. 
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SEC. 2. AMENDMENTS TO THE COMMODITY EXCHANGE ACT 
AND THE SECURITIES EXCHANGE ACT OF 
1934. 
(a) DEFINITION
OF FINANCIAL ENTITY.—Section 
2(h)(7)(C)(ii) of the Commodity Exchange Act (7 U.S.C. 
2(h)(7)(C)(ii)) is amended— 
(1) by striking ‘‘The Commission shall consider 
whether to exempt small banks, savings associations, 
farm credit system institutions, and credit unions, 
including—’’ and inserting ‘‘For purposes of this 
paragraph and solely with respect to an interest rate 
swap, the term ‘financial entity’ shall not include— 
’’; and 
(2) in subclauses (I) and (III), by striking 
‘‘$10,000,000,000’’ each place such term appears 
and inserting ‘‘$50,000,000,000’’. 
(b) DEFINITION
OF FINANCIAL ENTITY.—Section 
3C(g)(3)(B) of the Securities Exchange Act of 1934 (15 
U.S.C. 78c–3(g)(3)(B)) is amended— 
(1) by striking ‘‘The Commission shall consider 
whether to exempt small banks, savings associations, 
farm credit system institutions, and credit unions, 
including—’’ and inserting ‘‘For purposes of this 
subsection and solely with respect to an interest rate 
security-based swap, the term ‘financial entity’ shall 
not include—’’; and 
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(2) in clauses (i) and (iii) by striking 
‘‘$10,000,000,000 or less’’ each place such term ap-
pears and inserting ‘‘$50,000,000,000 or less’’. 
SEC. 3. AMENDMENTS TO THE ELECTRONIC FUND TRANS-
FER ACT. 
Section 920(g)(3) of the Electronic Fund Transfer 
Act (15 U.S.C. 1693o–1(g)(3)) is amended by inserting 
after the first instance of ‘‘financial institution’’ the fol-
lowing: ‘‘except for an insured depository institution or 
credit union with total assets of $50,000,000,000 or 
less,’’. 
SEC. 4. AMENDMENTS TO THE DODD-FRANK WALL STREET 
REFORM AND CONSUMER PROTECTION ACT. 
Section 165(i)(2)(C)(iv) of the Dodd-Frank Wall 
Street Reform and Consumer Protection Act (12 U.S.C. 
5365(i)(2)(C)(iv)) is amended by inserting after ‘‘subject 
to this paragraph’’ the following: ‘‘with total assets of 
$50,000,000,000 or more’’. 
Æ 
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