‘‘(e) BRANCH DISTRIBUTION AND SERVICES IN LOW- 
TO MODERATE-INCOME COMMUNITIES.—In assessing and 
taking into account, under subsection (a), the record of 
a financial institution, the appropriate Federal financial 
supervisory agency shall consider as factors— 
‘‘(1) the branch distribution of such institutions 
in low- to moderate-income communities; and 
‘‘(2) the services provided to borrowers in such 
communities by such institutions, including— 
‘‘(A) checking and savings accounts with 
no monthly fee, low or no minimum balance re-
quirements, and no overdraft or insufficient 
funds fees; 
‘‘(B) free check cashing; 
‘‘(C) debit card and ATM services; and 
‘‘(D) low or no fee money order and wire 
transfers.’’. 
(b) EFFECT ON RATING.—Section 807(b) of such Act 
(12 U.S.C. 2906(b)) is amended by adding at the end the 
following: 
‘‘(3) FACTORS
CONSIDERED.—The consider-
ation of the factors described in section 804(e) shall 
be weighted to account for approximately 33 percent 
of the institution’s rating referred to in paragraph 
(1)(A)(iii).’’. 
VerDate Mar 15 2010 
00:46 Apr 22, 2011
Jkt 099200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6201
E:\BILLS\H1662.IH
H1662
tjames on DSKG8SOYB1PROD with BILLS
SEC. 3. REGULATIONS. 
(a) IN GENERAL.—The appropriate Federal financial 
supervisory agency shall prescribe regulations that, in the 
case of any regulated financial institution that receives a 
low rating (as determined by the such agency) with respect 
to the factors described in section 804(e) of the Commu-
nity Reinvestment Act of 1977 (12 U.S.C. 2903(e)), as 
added by section 2(a) of this Act— 
(1) deny any merger or expansion requests by 
such institution; and 
(2) impose a civil money penalty on such insti-
tution in an amount determined by such agency. 
(b) USE
OF
CIVIL
MONEY
PENALTIES
COL-
LECTED.—Any civil money penalties collected under regu-
lations prescribed pursuant to subsection (a)(2) shall be 
deposited in accounts established by the appropriate Fed-
eral financial supervisory agency, and the amounts in such 
accounts shall be made available to such agency to carry 
out its responsibilities under the Community Reinvestment 
Act of 1977 (12 U.S.C. 2901 et seq.), including distrib-
uting rewards pursuant to subsection (c) of this section. 
(c) REWARDS.—The appropriate Federal financial 
supervisory agency shall prescribe regulations that reward 
a regulated financial institution that receives a high rating 
(as determined by such agency) with respect to the factors 
described in section 804(e) of the Community Reinvest-
VerDate Mar 15 2010 
00:46 Apr 22, 2011
Jkt 099200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6201
E:\BILLS\H1662.IH
H1662
tjames on DSKG8SOYB1PROD with BILLS
ment Act of 1977 (12 U.S.C. 2903(e)), as added by sec-
tion 2(a) of this Act. 
(d) DEFINITIONS.—In this section, the terms ‘‘appro-
priate Federal financial supervisory agency’’ and ‘‘regu-
lated financial institution’’ have the same meanings as are 
given such terms in section 803 of the Community Rein-
vestment Act of 1977 (12 U.S.C. 2902). 
Æ 
VerDate Mar 15 2010 
00:46 Apr 22, 2011
Jkt 099200
PO 00000
Frm 00004
Fmt 6652
Sfmt 6301
E:\BILLS\H1662.IH
H1662
tjames on DSKG8SOYB1PROD with BILLS