‘‘(ii) shall provide the low- and mod-
erate-income community financial institu-
tion a right of first refusal to buy back the 
investment under terms that do not exceed 
a value as determined by an independent 
third party; and 
‘‘(iii) shall not sell more than a 5 per-
cent ownership interest in the capital in-
vestment to a single third party; and 
‘‘(iv) with the permission of the insti-
tution, may gift or sell the interest of the 
Secretary in the capital investment for a 
de minimus amount to— 
‘‘(I) a mission aligned nonprofit 
affiliate of an applicant that is an in-
sured community development finan-
cial institution, as defined in section 
103 of the Riegle Community Devel-
opment and Regulatory Improvement 
Act of 1994 (12 U.S.C. 4702); or 
‘‘(II) one or more mission-aligned 
nonprofit organizations selected by the 
institution that are not affiliated with 
the institution. 
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‘‘(v) CALCULATION
OF
OWNERSHIP 
FOR
MINORITY
DEPOSITORY
INSTITU-
TIONS.—The calculation and determination 
of ownership thresholds for a depository 
institution to qualify as a minority deposi-
tory 
institution 
described 
in 
section 
4002(7)(B) shall exclude any dilutive effect 
of equity investments by the Federal Gov-
ernment, including under the Program or 
through the Fund. 
‘‘(7) AVAILABLE
AMOUNTS.—In carrying out 
the Program, the Secretary shall use such sums as 
may be necessary, but not less than $7,000,000,000, 
from amounts made available under subsection (b), 
notwithstanding the limitations on the use of such 
funds under paragraphs (1) through (4) of such sub-
section (b). 
‘‘(8) TREATMENT OF CAPITAL INVESTMENTS.— 
Any capital investment under the Program shall re-
ceive Tier 1 capital treatment, as defined by the 
Federal Financial Institutions Examination Council, 
or shall be treated as a secondary capital investment 
described in section 216(o)(2)(C) of the Federal 
Credit Union Act (12 U.S.C. 1790d(o)(2)(C)). 
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‘‘(9) OUTREACH
TO
MINORITIES.—The Sec-
retary shall require low- and moderate-income com-
munity financial institutions receiving capital invest-
ments under the Program to provide linguistically 
and culturally appropriate outreach and advertising 
describing the availability and application process of 
receiving loans made possible by the Program 
through organizations, trade associations, and indi-
viduals that represent or work within or are mem-
bers of minority communities. 
‘‘(10) INAPPLICABILITY
OF
RESTRICTIONS.— 
The restrictions and limitations described in sub-
paragraphs (E) and (F) of paragraph (2) and para-
graph (3)(A)(ii) of subsection (c) of section 4003 
and in section 4004 shall not apply to the Program. 
‘‘(11) TERMINATION OF INVESTMENT AUTHOR-
ITY.—The authority to make capital investments in 
low- and moderate-income community financial insti-
tutions, including commitments to purchase pre-
ferred stock or other instruments, provided under 
the Program shall terminate on the date that is 36 
months after the date of enactment of this sub-
section. 
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‘‘(12) COLLECTION OF DATA.—Notwithstanding 
the Equal Opportunity Credit Act (15 U.S.C. 1691 
et seq.)— 
‘‘(A) any low- and moderate-income com-
munity financial institution may collect data de-
scribed in section 701(a)(1) of that Act (15 
U.S.C. 1691(a)(1)) from borrowers and appli-
cants for credit for the purpose of monitoring 
compliance under the plan required under para-
graph (4)(B); and 
‘‘(B) a low- and moderate-income commu-
nity financial institution that collects the data 
described in subparagraph (A) shall not be sub-
ject to adverse action related to that collection 
by the Bureau of Consumer Financial Protec-
tion or any other Federal agency. 
‘‘(13) DEPOSIT OF FUNDS.—All funds received 
by the Secretary in connection with purchases made 
pursuant to this subsection, including interest pay-
ments, dividend payments, and proceeds from the 
sale of any financial instrument, shall be deposited 
into the Fund and used to provide financial and 
technical assistance pursuant to section 108 of the 
Riegle Community Development and Regulatory Im-
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provement Act of 1994 (12 U.S.C. 4707), except 
that subsection (e) of that section shall be waived. 
‘‘(j) NEIGHBORHOOD LOAN PROGRAM.— 
‘‘(1) DEFINITIONS.—In this subsection— 
‘‘(A) the term ‘financial institution’ means 
any entity regulated by the Comptroller of the 
Currency, the Board of Governors of the Fed-
eral Reserve System, or the Federal Deposit In-
surance Corporation; 
‘‘(B) the term ‘intermediary’ means any 
entity engaged in aggregating loans originated 
by low- and moderate-income community finan-
cial institutions; and 
‘‘(C) the term ‘Program’ means the Neigh-
borhood Loan Program established under para-
graph (2). 
‘‘(2) ESTABLISHMENT.—The Secretary, in con-
junction with the Board of Governors of the Federal 
Reserve System, shall establish a Neighborhood 
Loan Program to create facilities under section 
13(3) of the Federal Reserve Act (12 U.S.C. 343(3)) 
to provide liquidity and encourage equity equivalent 
capital investments for low- and moderate-income 
community financial institutions serving low- and 
moderate-income and minority communities. 
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