473 
‘‘(C) be a direct liability of the Deposit In-
surance Fund; and 
‘‘(D) be subject to the limitations of sec-
tion 15(c).’’; 
(25) 
in 
section 
15(c)(5) 
(12 
U.S.C. 
1825(c)(5))— 
(A) by striking ‘‘the Bank Insurance Fund 
or Savings Association Insurance Fund, respec-
tively’’ each place that term appears and insert-
ing ‘‘the Deposit Insurance Fund’’; and 
(B) in subparagraph (B), by striking ‘‘the 
Bank Insurance Fund or the Savings Associa-
tion Insurance Fund, respectively’’ and insert-
ing ‘‘the Deposit Insurance Fund’’; 
(26) in section 17(a) (12 U.S.C. 1827(a))— 
(A) in the subsection heading, by striking 
‘‘BIF, SAIF,’’ and inserting ‘‘THE DEPOSIT IN-
SURANCE FUND’’; and 
(B) in paragraph (1)— 
(i) by striking ‘‘the Bank Insurance 
Fund, the Savings Association Insurance 
Fund,’’ each place that term appears and 
inserting ‘‘the Deposit Insurance Fund’’; 
and
474 
(ii) in subparagraph (D), by striking 
‘‘each insurance fund’’ and inserting ‘‘the 
Deposit Insurance Fund’’; 
(27) in section 17(d) (12 U.S.C. 1827(d)), by 
striking ‘‘, the Bank Insurance Fund, the Savings 
Association Insurance Fund,’’ each place that term 
appears and inserting ‘‘the Deposit Insurance 
Fund’’; 
(28) 
in 
section 
18(m)(3) 
(12 
U.S.C. 
1828(m)(3))— 
(A) by striking ‘‘Savings Association In-
surance Fund’’ in the 1st sentence of subpara-
graph (A) and inserting ‘‘Deposit Insurance 
Fund’’; 
(B) by striking ‘‘Savings Association In-
surance Fund member’’ in the last sentence of 
subparagraph (A) and inserting ‘‘savings asso-
ciation’’; and 
(C) by striking ‘‘Savings Association Insur-
ance Fund or the Bank Insurance Fund’’ in 
subparagraph (C) and inserting ‘‘Deposit Insur-
ance Fund’’; 
(29) in section 18(o) (12 U.S.C. 1828(o)), by 
striking ‘‘deposit insurance funds’’ and ‘‘deposit in-
475 
surance fund’’ each place those terms appear and in-
serting ‘‘Deposit Insurance Fund’’; 
(30) in section 18(p) (12 U.S.C. 1828(p)), by 
striking ‘‘deposit insurance funds’’ and inserting 
‘‘Deposit Insurance Fund’’; 
(31) in section 24 (12 U.S.C. 1831a)— 
(A) in subsections (a)(1) and (d)(1)(A), by 
striking ‘‘appropriate deposit insurance fund’’ 
each place that term appears and inserting 
‘‘Deposit Insurance Fund’’; 
(B) in subsection (e)(2)(A), by striking 
‘‘risk to’’ and all that follows through the pe-
riod and inserting ‘‘risk to the Deposit Insur-
ance Fund.’’; and 
(C) 
in 
subsections 
(e)(2)(B)(ii) 
and 
(f)(6)(B), by striking ‘‘the insurance fund of 
which such bank is a member’’ each place that 
term appears and inserting ‘‘the Deposit Insur-
ance Fund’’; 
(32) in section 28 (12 U.S.C. 1831e), by strik-
ing ‘‘affected deposit insurance fund’’ each place 
that term appears and inserting ‘‘Deposit Insurance 
Fund’’; 
(33) by striking section 31 (12 U.S.C. 1831h);
476 
(34) 
in 
section 
36(i)(3) 
(12 
U.S.C. 
1831m(i)(3)), by striking ‘‘affected deposit insur-
ance fund’’ and inserting ‘‘Deposit Insurance 
Fund’’; 
(35) 
in 
section 
37(a)(1)(C) 
(12 
U.S.C. 
1831n(a)(1)(C)), by striking ‘‘insurance funds’’ and 
inserting ‘‘Deposit Insurance Fund’’; 
(36) in section 38 (12 U.S.C. 1831o), by strik-
ing ‘‘the deposit insurance fund’’ each place that 
term appears and inserting ‘‘the Deposit Insurance 
Fund’’; 
(37) in section 38(a) (12 U.S.C. 1831o(a)), in 
the subsection heading, by striking ‘‘FUNDS’’ and in-
serting ‘‘FUND’’; 
(38) in section 38(k) (12 U.S.C. 1831o(k))— 
(A) in paragraph (1), by striking ‘‘a de-
posit insurance fund’’ and inserting ‘‘the De-
posit Insurance Fund’’; 
(B) in paragraph (2), by striking ‘‘A de-
posit insurance fund’’ and inserting ‘‘The De-
posit Insurance Fund’’; and 
(C) in paragraphs (2)(A) and (3)(B), by 
striking ‘‘the deposit insurance fund’s outlays’’ 
each place that term appears and inserting ‘‘the 
outlays of the Deposit Insurance Fund’’; and
477 
(39) in section 38(o) (12 U.S.C. 1831o(o))— 
(A) by striking ‘‘ASSOCIATIONS.—’’ and 
all that follows through ‘‘Subsections (e)(2)’’ 
and inserting ‘‘ASSOCIATIONS.—Subsections 
(e)(2)’’; 
(B) by redesignating subparagraphs (A), 
(B), and (C) as paragraphs (1), (2), and (3), 
respectively, and moving the margins 2 ems to 
the left; and 
(C) in paragraph (1) (as so redesignated), 
by redesignating clauses (i) and (ii) as subpara-
graphs (A) and (B), respectively, and moving 
the margins 2 ems to the left. 
(b) EFFECTIVE DATE.—This section and the amend-
ments made by this section shall take effect on the first 
day of the first calendar quarter that begins after the end 
of the 90-day period beginning on the date of the enact-
ment of this Act. 
SEC. 4013. OTHER TECHNICAL AND CONFORMING AMEND-
MENTS RELATING TO THE MERGER OF THE 
BIF AND SAIF. 
(a) SECTION 5136 OF THE REVISED STATUTES.— 
The paragraph designated the ‘‘Eleventh’’ of section 5136 
of the Revised Statutes of the United States (12 U.S.C. 
24) is amended in the 5th sentence, by striking ‘‘affected
478 
deposit insurance fund’’ and inserting ‘‘Deposit Insurance 
Fund’’. 
(b) INVESTMENTS PROMOTING PUBLIC WELFARE; 
LIMITATIONS ON AGGREGATE INVESTMENTS.—The 23d 
undesignated paragraph of section 9 of the Federal Re-
serve Act (12 U.S.C. 338a) is amended in the 4th sen-
tence, by striking ‘‘affected deposit insurance fund’’ and 
inserting ‘‘Deposit Insurance Fund’’. 
(c) ADVANCES TO CRITICALLY UNDERCAPITALIZED 
DEPOSITORY INSTITUTIONS.—Section 10B(b)(3)(A)(ii) of 
the Federal Reserve Act (12 U.S.C. 347b(b)(3)(A)(ii)) is 
amended by striking ‘‘any deposit insurance fund in’’ and 
inserting ‘‘the Deposit Insurance Fund of’’. 
(d) AMENDMENTS TO THE BALANCED BUDGET AND 
EMERGENCY DEFICIT CONTROL ACT OF 1985.—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— 
(1) by striking ‘‘Bank Insurance Fund’’ and in-
serting ‘‘Deposit Insurance Fund’’; and 
(2) by striking ‘‘Federal Deposit Insurance Cor-
poration, Savings Association Insurance Fund (51– 
4066–0–3–373);’’.
479 
(e) AMENDMENTS TO THE FEDERAL HOME LOAN 
BANK ACT.—The Federal Home Loan Bank Act (12 
U.S.C. 1421 et seq.) is amended— 
(1) in section 11(k) (12 U.S.C. 1431(k))— 
(A) in the subsection heading, by striking 
‘‘SAIF’’ and inserting ‘‘THE DEPOSIT INSUR-
ANCE FUND’’; and 
(B) by striking ‘‘Savings Association In-
surance Fund’’ each place such term appears 
and inserting ‘‘Deposit Insurance Fund’’; 
(2) in section 21 (12 U.S.C. 1441)— 
(A) in subsection (f)(2), by striking ‘‘, ex-
cept that’’ and all that follows through the end 
of the paragraph and inserting a period; and 
(B) in subsection (k), by striking para-
graph (4); 
(3) 
in 
section 
21A(b)(4)(B) 
(12 
U.S.C. 
1441a(b)(4)(B)), by striking ‘‘affected deposit insur-
ance fund’’ and inserting ‘‘Deposit Insurance 
Fund’’; 
(4) 
in 
section 
21A(b)(6)(B) 
(12 
U.S.C. 
1441a(b)(6)(B))— 
(A) in the subparagraph heading, by strik-
ing ‘‘SAIF-INSURED
BANKS’’ and inserting 
‘‘CHARTER CONVERSIONS’’; and
480 
(B) by striking ‘‘Savings Association In-
surance Fund member’’ and inserting ‘‘savings 
association’’; 
(5) in section 21A(b)(10)(A)(iv)(II) (12 U.S.C. 
1441a(b)(10)(A)(iv)(II)), by striking ‘‘Savings Asso-
ciation Insurance Fund’’ and inserting ‘‘Deposit In-
surance Fund’’; 
(6) in section 21A(n)(6)(E)(iv) (12 U.S.C. 
1441(n)(6)(E)(iv)), by striking ‘‘Federal deposit in-
surance funds’’ and inserting ‘‘the Deposit Insur-
ance Fund’’; 
(7) in section 21B(e) (12 U.S.C. 1441b(e))— 
(A) in paragraph (5), by inserting ‘‘as of 
the date of funding’’ after ‘‘Savings Association 
Insurance Fund members’’ each place that term 
appears; and 
(B) by striking paragraphs (7) and (8); 
and 
(8) in section 21B(k) (12 U.S.C. 1441b(k))— 
(A) by inserting before the colon ‘‘, the fol-
lowing definitions shall apply’’; 
(B) by striking paragraph (8); and 
(C) by redesignating paragraphs (9) and 
(10) as paragraphs (8) and (9), respectively.
481 
(f) AMENDMENTS TO THE 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 (c)(5)(A), by striking 
‘‘that is a member of the Bank Insurance 
Fund’’; 
(B) in subsection (c)(6), by striking ‘‘As 
used in this subsection—’’ and inserting ‘‘For 
purposes of this subsection, the following defini-
tions shall apply:’’; 
(C) in subsection (o)(1), by striking ‘‘that 
is a Bank Insurance Fund member’’; 
(D) in subsection (o)(2)(A), by striking ‘‘a 
Bank Insurance Fund member until such time 
as it changes its status to a Savings Association 
Insurance Fund member’’ and inserting ‘‘in-
sured by the Deposit Insurance Fund’’; 
(E) in subsection (t)(5)(D)(iii)(II), by 
striking ‘‘affected deposit insurance fund’’ and 
inserting ‘‘Deposit Insurance Fund’’; 
(F) in subsection (t)(7)(C)(i)(I), by strik-
ing ‘‘affected deposit insurance fund’’ and in-
serting ‘‘Deposit Insurance Fund’’; and
482 
(G) in subsection (v)(2)(A)(i), by striking 
‘‘the Savings Association Insurance Fund’’ and 
inserting ‘‘or the Deposit Insurance Fund’’; and 
(2) in section 10 (12 U.S.C. 1467a)— 
(A) in subsection (c)(6)(D), by striking 
‘‘this title’’ and inserting ‘‘this Act’’; 
(B) in subsection (e)(1)(B), by striking 
‘‘Savings Association Insurance Fund or Bank 
Insurance Fund’’ and inserting ‘‘Deposit Insur-
ance Fund’’; 
(C) in subsection (e)(2), by striking ‘‘Sav-
ings Association Insurance Fund or the Bank 
Insurance Fund’’ and inserting ‘‘Deposit Insur-
ance Fund’’; 
(D) in subsection (e)(4)(B), by striking 
‘‘subsection (1)’’ and inserting ‘‘subsection (l)’’; 
(E) in subsection (g)(3)(A), by striking 
‘‘(5) of this section’’ and inserting ‘‘(5) of this 
subsection’’; 
(F) in subsection (i), by redesignating 
paragraph (5) as paragraph (4); 
(G) in subsection (m)(3), by striking sub-
paragraph (E) and by redesignating subpara-
graphs (F), (G), and (H) as subparagraphs 
(E), (F), and (G), respectively;