HR 522 RFS 
(15) in section 11A(a) (12 U.S.C. 1821a(a))—
(A) in paragraph (2), by striking ‘‘LIABIL-
ITIES.—’’ and all that follows through ‘‘Except’’ 
and inserting ‘‘LIABILITIES.—Except’’; 
(B) by striking paragraph (2)(B); and 
(C) in paragraph (3), by striking ‘‘the 
Bank Insurance Fund, the Savings Association
Insurance Fund,’’ and inserting ‘‘the Deposit 
Insurance Fund’’; 
(16) in section 11A(b) (12 U.S.C. 1821a(b)), 
by striking paragraph (4); 
(17) in section 11A(f) (12 U.S.C. 1821a(f)), by 
striking ‘‘Savings Association Insurance Fund’’ and 
inserting ‘‘Deposit Insurance Fund’’; 
(18) in section 12(f)(4)(E)(iv) (12 U.S.C. 
1822(f)(4)(E)(iv)), by striking ‘‘Federal deposit in-
surance funds’’ and inserting ‘‘the Deposit Insur-
ance Fund (or any predecessor deposit insurance 
fund)’’; 
(19) in section 13 (12 U.S.C. 1823)—
(A) by striking ‘‘deposit insurance fund’’ 
each place that term appears and inserting 
‘‘Deposit Insurance Fund’’; 
(B) in subsection (a)(1), by striking ‘‘Bank 
Insurance Fund, the Savings Association Insur-
HR 522 RFS 
ance Fund,’’ and inserting ‘‘Deposit Insurance 
Fund’’; 
(C) in subsection (c)(4)(E)—
(i) in the subparagraph heading, by 
striking ‘‘FUNDS’’ and inserting ‘‘FUND’’; 
and 
(ii) in clause (i), by striking ‘‘any in-
surance fund’’ and inserting ‘‘the Deposit 
Insurance Fund’’; 
(D) in subsection (c)(4)(G)(ii)—
(i) by striking ‘‘appropriate insurance 
fund’’ and inserting ‘‘Deposit Insurance 
Fund’’; 
(ii) by striking ‘‘the members of the 
insurance fund (of which such institution 
is a member)’’ and inserting ‘‘insured de-
pository institutions’’; 
(iii) by striking ‘‘each member’s’’ and 
inserting ‘‘each insured depository institu-
tion’s’’; and 
(iv) by striking ‘‘the member’s’’ each 
place that term appears and inserting ‘‘the 
institution’s’’; 
(E) in subsection (c), by striking para-
graph (11);
HR 522 RFS 
(F) in subsection (h), by striking ‘‘Bank 
Insurance Fund’’ and inserting ‘‘Deposit Insur-
ance Fund’’;
(G) in subsection (k)(4)(B)(i), by striking 
‘‘Savings Association Insurance Fund member’’ 
and inserting ‘‘savings association’’; and 
(H) in subsection (k)(5)(A), by striking 
‘‘Savings Association Insurance Fund mem-
bers’’ and inserting ‘‘savings associations’’; 
(20) in section 14(a) (12 U.S.C. 1824(a)), in 
the 5th sentence—
(A) by striking ‘‘Bank Insurance Fund or 
the Savings Association Insurance Fund’’ and 
inserting ‘‘Deposit Insurance Fund’’; and 
(B) by striking ‘‘each such fund’’ and in-
serting ‘‘the Deposit Insurance Fund’’; 
(21) in section 14(b) (12 U.S.C. 1824(b)), by 
striking ‘‘Bank Insurance Fund or Savings Associa-
tion Insurance Fund’’ and inserting ‘‘Deposit Insur-
ance Fund’’; 
(22) in section 14(c) (12 U.S.C. 1824(c)), by 
striking paragraph (3); 
(23) in section 14(d) (12 U.S.C. 1824(d))—
HR 522 RFS 
(A) by striking ‘‘Bank Insurance Fund 
member’’ each place that term appears and in-
serting ‘‘insured depository institution’’; 
(B) by striking ‘‘Bank Insurance Fund 
members’’ each place that term appears and in-
serting ‘‘insured depository institutions’’; 
(C) by striking ‘‘Bank Insurance Fund’’ 
each place that term appears (other than in 
connection with a reference to a term amended 
by subparagraph (A) or (B) of this paragraph) 
and inserting ‘‘Deposit Insurance Fund’’; 
(D) by striking the subsection heading and 
inserting the following: 
‘‘(d) BORROWING
FOR
THE DEPOSIT INSURANCE 
FUND FROM INSURED DEPOSITORY INSTITUTIONS.—’’; 
(E) in paragraph (3), in the paragraph 
heading, by striking ‘‘BIF’’ and inserting ‘‘THE 
DEPOSIT INSURANCE FUND’’; and 
(F) in paragraph (5), in the paragraph 
heading, by striking ‘‘BIF MEMBERS’’ and in-
serting ‘‘INSURED DEPOSITORY INSTITUTIONS’’; 
(24) in section 14 (12 U.S.C. 1824), by adding 
at the end the following new subsection: 
‘‘(e) BORROWING
FOR
THE DEPOSIT INSURANCE 
FUND FROM FEDERAL HOME LOAN BANKS.—
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‘‘(1) IN GENERAL.—The Corporation may bor-
row from the Federal home loan banks, with the 
concurrence of the Federal Housing Finance Board, 
such funds as the Corporation considers necessary 
for the use of the Deposit Insurance Fund. 
‘‘(2) TERMS AND CONDITIONS.—Any loan from 
any Federal home loan bank under paragraph (1) to 
the Deposit Insurance Fund shall—
‘‘(A) bear a rate of interest of not less 
than the current marginal cost of funds to that 
bank, taking into account the maturities in-
volved; 
‘‘(B) be adequately secured, as determined 
by the Federal Housing Finance Board; 
‘‘(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