II 113th CONGRESS 1st Session S. 451 IN THE SENATE OF THE UNITED STATES March 5, 2013 Mr. Shelby introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs A BILL To make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act.

1. Short title This Act may be cited as the Dodd-Frank Wall Street Reform and Consumer Protection Technical Corrections Act of 2013 . 2. Table of contents; Definitional corrections (a) Table of contents The table of contents for the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Public Law 111–203 ; 124 Stat. 1376) is amended by striking the items relating to section 407 through 416 and inserting the following: Sec. 407. Exemption of and reporting by venture capital fund advisers. Sec. 408. Exemption of and reporting by certain private fund advisers. Sec. 409. Family offices. Sec. 410. State and Federal responsibilities; asset threshold for Federal registration of investment advisers. Sec. 411. Custody of client assets. Sec. 412. Comptroller General study on custody rule costs. Sec. 413. Adjusting the accredited investor standard. Sec. 414. Rule of construction relating to the Commodity Exchange Act. Sec. 415. GAO study and report on accredited investors. Sec. 416. GAO study on self-regulatory organization for private funds. Sec. 417. Commission study and report on short selling. Sec. 418. Qualified client standard. Sec. 419. Transition period. . (b) Definitions Section 2 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5301 ) is amended— (1) in paragraph (1)— (A) by striking section 3 and inserting section 3(w) ; and (B) by striking ( 12 U.S.C. 1813 ) and inserting (12 U.S.C. 1813(w)) ; (2) in paragraph (6), by striking 1 et seq. and inserting 1a ; and (3) in paragraph (18)(A)— (A) by striking bank holding company , ; and (B) by inserting includes , before including , . 3. Antitrust savings clause corrections Section 6 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5303 ) is amended, in the second sentence— (1) by inserting (15 U.S.C. 12(a)) after Clayton Act ; and (2) by striking Act, to and inserting Act ( 15 U.S.C. 45 ) to . 4. Title I corrections Title I of the Dodd-Frank Wall Street Reform and Consumer Protection Act (12 U.S.C. 5311 et seq.) is amended— (1) in section 102(a)(6) ( 12 U.S.C. 5311(a)(6) ), by inserting (12 U.S.C. 1843(k)) after of 1956 each place that term appears; (2) in section 111 ( 12 U.S.C. 5321 )— (A) in subsection (b)— (i) in paragraph (1)(G), by striking Chairperson and inserting Chairman ; and (ii) in paragraph (2)(E), by striking such and inserting the ; and (B) in subsection (c)(3), by striking that agency or department head and inserting the head of that member agency or department ; (3) in section 112 ( 12 U.S.C. 5322 )— (A) in subsection (a)(2)— (i) in subparagraph (D)— (I) by striking to monitor and inserting monitor ; and (II) by striking to advise and inserting advise ; (ii) in subparagraph (J)— (I) by striking that term is and inserting those terms are ; and (II) by striking and settlement and inserting or settlement ; and (iii) in subparagraph (L), by striking may ; and (B) in subsection (d)(5)— (i) in subparagraph (B), by striking subsection and and inserting subtitle or ; and (ii) in subparagraph (C), by striking subsection and and inserting subtitle or ; (4) in section 154(c) ( 12 U.S.C. 5344(c) )— (A) by striking Center .— and all that follows through The Research and inserting Center .—The Research ; and (B) by redesignating subparagraphs (A) through (H) as paragraphs (1) through (8), respectively, and moving the margins 2 ems to the left; (5) in section 155(a)(2) ( 12 U.S.C. 5345(a)(2) ), by striking (c), and inserting (c) ; (6) in section 164 ( 12 U.S.C. 5364 ), by striking Institutions and inserting Institution ; (7) in section 167(b)(1)(B)(ii) ( 12 U.S.C. 5367(b)(1)(B)(ii) ), by striking to ensure and inserting ensure ; and (8) in section 171(b)(4)(D) ( 12 U.S.C. 5371(b)(4)(D) ), by adding a period at the end. 5. Title II corrections Title II of the Dodd-Frank Wall Street Reform and Consumer Protection Act (12 U.S.C. 5381 et seq.) is amended— (1) in section 210 ( 12 U.S.C. 5390 )— (A) in subsection (a)— (i) in paragraph (1)(D), by striking wind-up and inserting wind up ; and (ii) in paragraph (5)(C), by striking receiver seeking and inserting receiver) seeking ; (B) in subsection (b)(1)— (i) in subparagraph (C), by striking to the extent of and all that follows through for each individual and inserting to the extent of $11,725 for each individual ; and (ii) in subparagraph (D), by striking multiplied by and all that follows through (as indexed and inserting multiplied by $11,725 (as indexed ; (C) in subsection (m)(1)(B), by inserting of before the Bankruptcy Code ; and (D) in subsection (o)(1)(D)(i)(I), by striking and (h)(5)(E) and inserting or (h)(5)(E) ; (2) in section 211(d)(1)(C) ( 12 U.S.C. 5391(d)(1)(C) ), by striking orderly liquidation plan under section 210(n)(14) and inserting an orderly liquidation plan under section 210(n)(9) ; and (3) in section 215(a)(5) (124 Stat. 1518), by striking amd and inserting and . 6. Title III corrections (a) In general Title III of the Dodd-Frank Wall Street Reform and Consumer Protection Act (12 U.S.C. 5401 et seq.) is amended— (1) in section 327(b)(5) ( 12 U.S.C. 5437(b)(5) ), by striking in and inserting into ; (2) in section 333(b)(2) (124 Stat. 1539), by inserting the second place that term appears before and inserting ; and (3) in section 369(5) (124 Stat. 1559)— (A) in subparagraph (D)(i)— (i) in subclause (III), by redesignating items (aa), (bb), and (cc) as subitems (AA), (BB), and (CC), respectively, and adjusting the margins accordingly; (ii) in subclause (IV), redesignating items (aa) and (bb) as subitems (AA) and (BB), respectively, and adjusting the margins accordingly; (iii) in subclause (V), by redesignating items (aa), (bb), and (cc) as subitems (AA), (BB), and (CC), respectively, and adjusting the margins accordingly; and (iv) by redesignating subclauses (III), (IV), and (V) as items (bb), (cc), and (dd), respectively, and adjusting the margins accordingly; (B) in subparagraph (F)— (i) in clause (ii), by adding and at the end; (ii) in clause (iii), by striking ; and and inserting a period; and (iii) by striking clause (iv); and (C) in subparagraph (G)(i), by inserting each place such term appears before and inserting . (b) Effective dates (1) Section 333 The amendment made by subsection (a)(2) of this section shall take effect as though enacted as part of subtitle C of title III of the Dodd-Frank Wall Street Reform and Consumer Protection Act (124 Stat. 1538). (2) Section 369 The amendments made by subsection (a)(3) of this section shall take effect as though enacted as part of subtitle E of title III of the Dodd-Frank Wall Street Reform and Consumer Protection Act (124 Stat. 1546). 7. Title IV correction Section 414 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (124 Stat. 1578) is amended in the section heading by striking Commodities and inserting Commodity . 8. Title VI corrections (a) In general Title VI of the Dodd-Frank Wall Street Reform and Consumer Protection Act (124 Stat. 1596) is amended— (1) in section 610 (124 Stat. 1611)— (A) by striking subsection (b); and (B) by redesignating subsection (c) as subsection (b); and (2) in section 618(a) ( 12 U.S.C. 1850a(a) )— (A) in paragraph (4)(B)(i), by inserting of Governors after Board ; and (B) in paragraph (6), by inserting ( 12 U.S.C. 1841 ) after Act of 1956 . (b) Effective date The amendments made by subsection (a)(1) of this section shall take effect as though enacted as part of section 610 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (124 Stat. 1611). 9. Title VII corrections (a) In general Title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act (15 U.S.C. 8301 et seq.) is amended— (1) in section 719(c)(1)(B) ( 15 U.S.C. 8307(c)(1)(B) ), by adding a period at the end; (2) in section 723(a)(1)(B) (124 Stat. 1675), by inserting , as added by section 107 of the Commodity Futures Modernization Act of 2000 (Appendix E of Public Law 106–554; 114 Stat. 2763A–382), after subsection (i) ; (3) in section 734(b)(1) (124 Stat. 1718), by striking is amended and all that follows through (B) in and inserting is amended in ; (4) in section 741(b)(10) (124 Stat. 1732), by striking 1a(19)(A)(iv)(II) each place it appears and inserting 1a(18)(A)(iv)(II) ; and (5) in section 749 (124 Stat. 1746)— (A) in subsection (a)(2), by striking adding at the end and inserting inserting after subsection (f) ; and (B) in subsection (h)(1)(B), by inserting the second place that term appears before the semicolon. (b) Effective date The amendments made by paragraphs (3), (4), and (5) of subsection (a) of this section shall take effect as though enacted as part of part II of subtitle A of title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act (124 Stat. 1658). 10. Title VIII corrections Title VIII of the Dodd-Frank Wall Street Reform and Consumer Protection Act (12 U.S.C. 5461 et seq.) is amended— (1) in section 805(a)(2)(E) ( 12 U.S.C. 5464(a)(2)(E) ), by striking the quotation marks at the end; (2) in section 806 ( 12 U.S.C. 5465 )— (A) in subsection (b), in the first sentence, by striking (2)) after and inserting (2))) after ; and (B) in subsection (e)(1)(A)— (i) by striking advance notice and inserting advance ; and (ii) by striking each Supervisory Agency and inserting its Supervisory Agency ; (3) in section 807 ( 12 U.S.C. 5466 )— (A) in subsection (d)(1), by adding a period at the end; and (B) in subsection (f)(2), by inserting a comma after under the second place that term appears; (4) in section 808(b) ( 12 U.S.C. 5467(b) ), by inserting a comma after under the third place that term appears; and (5) in section 813 ( 12 U.S.C. 5472 ), in the matter preceding paragraph (1), by inserting that includes after Representatives . 11. Title IX corrections Title IX of the Dodd-Frank Wall Street Reform and Consumer Protection Act (124 Stat. 1822) is amended— (1) in section 929Z(a) (124 Stat. 1871)— (A) in paragraph (2), by striking courts interpretation and inserting court interpretations ; and (B) in paragraph (3), by striking Act of 1995 and inserting Reform Act of 1995 ( Public Law 104–67 ; 109 Stat. 737) ; (2) in section 939(h)(1) (124 Stat. 1887)— (A) in the matter preceding subparagraph (A), by inserting The before Commission ; and (B) by striking feasability and inserting feasibility ; and (3) in section 953 (124 Stat. 1903), by adding at the end the following: (c) Exemption The Commission may, by rule or order, exempt an issuer or class of issuers from the requirements under section 14(i) of the Securities Exchange Act of 1934 (as amended by subsection (a) of this section) or subsection (b) of this section. In determining whether to make an exemption under this subsection, the Commission shall take into account, among other considerations, whether the requirements under subsections (a) and (b) disproportionately burden small issuers. . 12. Title X corrections (a) In general Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act (12 U.S.C. 5481 et seq.) is amended— (1) in section 1002(12)(G) (12 U.S.C. 5481(12)(G)), by striking Home Owners and inserting Homeowners ; (2) in section 1013(a)(1)(C) ( 12 U.S.C. 5493(a)(1)(C) ), by striking section 11(1) and inserting subsection (l) of section 11 ; (3) in section 1017(a)(5) ( 12 U.S.C. 5497(a)(5) )— (A) in subparagraph (A), in the last sentence by striking 716(c) of title 31, United States Code and inserting 716 of title 31, United States Code ; and (B) in subparagraph (C), by striking section 3709 of the Revised Statutes of the United States ( 41 U.S.C. 5 ) and inserting section 6101 of title 41, United States Code ; (4) in section 1022(c)(9)(B) ( 12 U.S.C. 5512(c)(9)(B) ), by striking 1978, and inserting 1978 ; (5) in section 1025 ( 12 U.S.C. 5515 )— (A) in subsection (b)(1), by inserting covered before persons each place that term appears; (B) in subsection (d), by striking 12 U.S.C. 1867(c) and inserting (12 U.S.C. 1867(c)) ; and (C) in subsection (e)(4)(F), by striking 212 of the Federal Credit Union Act (112 U.S.C. 1790a) and inserting 216 of the Federal Credit Union Act (12 U.S.C. 1790d) ; (6) in section 1027(d)(1)(B) ( 12 U.S.C. 5517(d)(1)(B) ), by inserting a comma after (A) ; (7) in section 1029(d) ( 12 U.S.C. 5519(d) ), by striking the period after Commission Act ; (8) in section 1061 ( 12 U.S.C. 5581 )— (A) in subsection (b)(7)— (i) by striking Secretary of the Department of Housing and Urban Development each place that term appears and inserting Department of Housing and Urban Development ; and (ii) in subparagraph (A), by striking ( 12 U.S.C. 5102 et seq. ) and inserting ( 12 U.S.C. 5101 et seq. ) ; and (B) in subsection (c)(2)(A), by striking procedures in and inserting procedures ; (9) in section 1063 ( 12 U.S.C. 5583 )— (A) in subsection (f)(1)(B), by striking that ; and (B) in subsection (g)(1)(A)— (i) by striking ( 12 U.S.C. 5102 et seq. ) and inserting (12 U.S.C. 5101 et seq.) ; and (ii) by striking seq) and inserting seq.) ; (10) in section 1064(i)(1)(A)(iii) ( 12 U.S.C. 5584(i)(1)(A)(iii) ), by inserting a period before If an ; (11) in section 1073(c)(2) ( 12 U.S.C. 5601(c)(2) )— (A) in the paragraph heading, by inserting and education after financial literacy ; and (B) by striking its duties and inserting their duties ; (12) in section 1076(b)(1) ( 12 U.S.C. 5602(b)(1) ), by inserting before the period at the end the following: , the Bureau may, after notice and opportunity for comment, prescribe regulations ; (13) in section 1077(b)(4)(F) (124 Stat. 2076), by striking associates and inserting associate’s ; (14) in section 1084(1) (124 Stat. 2081)— (A) by inserting paragraph (3) of section 903 ( 15 U.S.C. 1693a ), before subsections (a) and (e) of section 904 ; (B) by striking and in 918 and inserting , section 916(d) (15 U.S.C. 1693m(d)), section 918 ; and (C) by inserting a comma after 2009) ; (15) by striking section 1087 (124 Stat. 2086); (16) in section 1089 (124 Stat. 2092)— (A) in paragraph (3)— (i) in subparagraph (A), by striking and at the end; and (ii) in subparagraph (B)(vi), by striking the period at the end and inserting ; and ; and (B) by redesignating paragraph (4) as subparagraph (C) and adjusting the margins accordingly; and (17) in section 1098(6) (124 Stat. 2104), by inserting the first place that term appears before and . (b) Effective date The amendments made by paragraphs (14), (15), (16), and (17) of subsection (a) of this section shall take effect as though enacted as part of subtitle H of title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act (124 Stat. 2080). 13. Title XI correction Title XI of the Dodd-Frank Wall Street Reform and Consumer Protection Act (124 Stat. 2113) is amended, in section 1105(d)(1) ( 12 U.S.C. 5612(d)(1) ), by striking authority .— and all that follows through by the President and inserting authority .—A request by the President . 14. Title XII correction Title XII of the Dodd-Frank Wall Street Reform and Consumer Protection Act (124 Stat. 2129) is amended, in section 1208(b) ( 12 U.S.C. 5626(b) ), by inserting , as defined in section 103(10) of the Riegle Community Development and Regulatory Improvement Act of 1994 ( 12 U.S.C. 4702(10) ), after Fund . 15. Title XIV correction Title XIV of the Dodd-Frank Wall Street Reform and Consumer Protection Act (124 Stat. 2136) is amended, in section 1451(c) ( 12 U.S.C. 1701x–1(c) ), by striking pursuant . 16. Conforming corrections to other statutes (a) Alternative mortgage transaction parity act of 1982 The Alternative Mortgage Transaction Parity Act of 1982 ( 12 U.S.C. 3801 et seq. ) is amended— (1) in section 802(a)(3) ( 12 U.S.C. 3801(a)(3) ), by striking the Director of the Office of Thrift Supervision and inserting the Bureau of Consumer Financial Protection ; and (2) in section 804(d)(1) ( 12 U.S.C. 3803(d)(1) )— (A) by striking identified and inserting issued ; and (B) by striking the comma after Administration . (b) Bank Holding Company Acts (1) Bank Holding Company Act Amendments of 1970 Section 106(b)(1) of the Bank Holding Company Act Amendments of 1970 ( 12 U.S.C. 1972(1) ) is amended, in the undesignated matter at the end— (A) by inserting Office of the before Comptroller of the ; and (B) by striking “Federal Deposit Insurance Company” and inserting “Federal Deposit Insurance Corporation”. (2) Bank Holding Company Act of 1956 Section 13 of the Bank Holding Company Act of 1956 ( 12 U.S.C. 1851 ) is amended— (A) in subsection (d)(1)(E), by striking 102 of the Small Business Investment Act of 1958 ( 15 U.S.C. 662 ) and inserting 103(3) of the Small Business Investment Act of 1958 ( 15 U.S.C. 662(3) ) ; (B) in subsection (f)(3)(A)(ii), by striking (d)(1)(g)(v) and inserting (d)(1)(G)(v) ; and (C) in subsection (h)(1), by striking section 8 of the International Banking Act of 1978 and inserting section 8(a) of the International Banking Act of 1978 ( 12 U.S.C. 3106(a) ) . (c) Balanced Budget and Emergency Deficit Control Act 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 by striking Office of Thrift Supervision (20–4108–0–3–373). . (d) Bretton Woods Agreements Act Section 68(a)(1) of the Bretton Woods Agreements Act ( 22 U.S.C. 286tt(a)(1) ) is amended by striking Fund , and inserting Fund, . (e) CAN–SPAM Act of 2003 Section 7(b)(1)(D) of the CAN–SPAM Act of 2003 (15 U.S.C. 7706(b)(1)(D)) is amended by striking Director of the Office of Thrift Supervision and inserting Comptroller of the Currency or the Board of Directors of the Federal Deposit Insurance Corporation, as applicable . (f) Children's Online Privacy Protection Act of 1998 Section 1306(b)(2) of the Children's Online Privacy Protection Act of 1998 ( 15 U.S.C. 6505(b)(2) ) is amended by striking Director of the Office of Thrift Supervision and inserting Comptroller of the Currency and the Board of Directors of the Federal Deposit Insurance Corporation, as applicable . (g) Commodity Exchange Act The Commodity Exchange Act ( 7 U.S.C. 1 et seq. ) is amended— (1) in section 1a (7 U.S.C. 1a)— (A) in paragraph (12)(A)(i)(II), by adding a semicolon at the end; (B) in paragraph (39)(A)(iv), by striking 225 and inserting 25 ; and (C) in paragraph (47)(B)(viii)(II), by striking ( 15 U.S.C. 77b(a)(11) ) and inserting ( 15 U.S.C. 77b(a)(11) )) ; (2) in section 2 (7 U.S.C. 2)— (A) in subsection (c)(2)(D)(ii)(I), by striking subparagraphs and inserting subparagraph ; and (B) in subsection (h)— (i) in paragraph (5)(A)— (I) by striking Swaps and inserting Each swap ; and (II) by striking no later than 180 days after the effective date of this subsection. and inserting no later than— (i) 30 days after the issuance of the interim final rule; or (ii) such other date as the Commission determines appropriate. ; (ii) in paragraph (7)— (I) in subparagraph (C)(i)(VII), by inserting or a governmental plan after employee benefit plan ; and (II) in subparagraph (D)(ii)(V), by striking of that Act and inserting of that section ; and (iii) in paragraph (8)(A)(ii), by inserting section before 5h or ; (3) in section 4 (7 U.S.C. 6)— (A) in subsection (b)(1)(A), by striking commission each place that term appears and inserting Commission ; and (B) in subsection (c)(1)— (i) in subparagraph (A)— (I) by inserting the Commission shall not grant exemptions, after grant exemptions, ; and (II) in clause (i)— (aa) in subclause (I)— (AA) by striking 5(g), 5(h), ; and (BB) by striking 8e, ; and (bb) in subclause (II), by striking 206(e) and inserting 206 ; and (ii) in subparagraph (B), by striking (D)) and inserting (D) ; (4) in section 4d(f)(2)(A) ( 7 U.S.C. 6d(f)(2)(A) ), by striking though and inserting through ; (5) in section 4s (7 U.S.C. 6s)— (A) in subsection (e)(3)— (i) in subparagraph (B)(i)(II), by striking (11)) and inserting (11))) ; and (ii) in subparagraph (D)(ii), in the matter preceding subclause (I), by striking non cash collateral and inserting noncash collateral ; (B) in subsection (f)(1)(B)(i), by striking Commission and inserting prudential regulator ; (C) in subsection (h)— (i) in paragraph (2)(B), by inserting a before swap with ; and (ii) in paragraph (5)(A)— (I) in clause (i)— (aa) by striking section 1a(18) and inserting section 1a(18)(A) ; and (bb) in subclause (VII), by striking act of and inserting Act of ; and (II) in clause (ii), by inserting in connection with the transaction after acting ; and (D) in subsection (k)(3)(A)(ii), by striking the code and inserting any code ; (6) in section 5(d)(19)(A) ( 7 U.S.C. 7(d)(19)(A) ), by striking taking and inserting take ; (7) in section 5b (7 U.S.C. 7a–1), by redesignating subsection (k) as subsection (j); (8) in section 5c(c) ( 7 U.S.C. 7a–2(c) )— (A) in paragraph (4)(B), by striking 1a(10) and inserting 1a(9) ; and (B) in paragraph (5)— (i) in subparagraph (A), by striking this subtitle and inserting this Act ; and (ii) in subparagraph (C)(i), by striking 1a(2)(i) and inserting 1a(9) ; (9) in section 5h (7 U.S.C. 7b–3)— (A) in subsection (a)(1) , by striking a facility and inserting a swap execution facility ; and (B) in subsection (f)(11)(A), by striking taking and inserting take ; (10) in section 22(a)(1)(C)(ii) ( 7 U.S.C. 25(a)(1)(C)(ii) ), by striking or at the end; and (11) in section 23 (7 U.S.C. 26)— (A) in subsection (c)— (i) in paragraph (1)(B)(III), by striking the Act both places it appears and inserting this Act ; and (ii) in paragraph (2)(A)(i), by striking a appropriate and inserting an appropriate ; and (B) in subsection (f)(3), by striking 7064 and inserting 706 . (h) Community Reinvestment Act of 1977 The Community Reinvestment Act of 1977 ( 12 U.S.C. 2901 et seq. ) is amended— (1) in section 803(1)(C) ( 12 U.S.C. 2902(1)(C) ), by striking the period at the end and inserting a semicolon; and (2) in section 806 ( 12 U.S.C. 2905 ), by striking companies,, and inserting companies, . (i) Credit Repair Organizations Act Section 403(4) of the Credit Repair Organizations Act ( 15 U.S.C. 1679a(4) ) is amended by striking 103(e) and inserting 103(f) . (j) Depository Institution Management Interlocks Act Section 205(9) of the Depository Institution Management Interlocks Act ( 12 U.S.C. 3204(9) ) is amended by striking Director of the Office of Thrift Supervision and inserting appropriate Federal banking agency . (k) Economic Growth and Regulatory Paperwork Reduction Act of 1996 Section 2227(a)(1) of the Economic Growth and Regulatory Paperwork Reduction Act of 1996 (12 U.S.C. 252(a)(1)) is amended by striking the Director of the Office of Thrift Supervision, . (l) Electronic Fund Transfer Act The Electronic Fund Transfer Act (15 U.S.C. 1693 et seq.) is amended— (1) in section 903 ( 15 U.S.C. 1693a )— (A) in paragraph (2), by striking 103(i) and inserting 103(j) ; and (B) by redesignating the first paragraph designated as paragraph (4) (defining the term Board ), as paragraph (3); (2) in section 904(a) ( 15 U.S.C. 1693b(a) )— (A) by redesignating the second paragraph designated as paragraph (1) (relating to consultation with other agencies), the second paragraph designated as paragraph (2) (relating to the preparation of an analysis of economic impact), paragraph (3), and paragraph (4), as subparagraphs (A), (B), (C), and (D), respectively, and adjusting the margins accordingly; and (B) by striking In prescribing such regulations, the Board shall: and inserting the following: (3) Regulations In prescribing regulations under this subsection, the Bureau and the Board shall— ; (3) in section 909(c) ( 15 U.S.C. 1693g(c) ), by striking 103(e) and inserting 103(f) ; (4) in section 918(a)(4) ( 15 U.S.C. 1693o(a)(4) , by striking Act and and inserting Act; and ; and (5) in section 920(a)(4)(C) ( 15 U.S.C. 1693o–2(a)(4)(C) ), by striking the Director of the Office of Thrift Supervision, . (m) Emergency Economic Stabilization Act of 2008 Section 101(b) of the Emergency Economic Stabilization Act of 2008 ( 12 U.S.C. 5211(b) ) is amended by striking the Director of the Office of Thrift Supervision, . (n) Equal credit opportunity act The Equal Credit Opportunity Act (15 U.S.C. 1691 et seq.) is amended— (1) in section 703 ( 15 U.S.C. 1691b )— (A) in each of subsections (c) and (d), by striking paragraph each place that term appears and inserting subsection ; and (B) in subsection (g), by adding a period at the end; (2) in section 704 ( 15 U.S.C. 1691c )— (A) in subsection (a), by striking Consumer Protection Financial Protection Act of 2010 with and inserting Consumer Financial Protection Act of 2010, compliance with ; and (B) in subsection (c), in the second sentence, by striking subchapter and inserting title ; (3) in section 704B(e)(3) ( 15 U.S.C. 1691c–2(e)(3) ), by striking (1)(E) and inserting (2)(E) ; and (4) in section 706(k) ( 15 U.S.C. 1691e(k) ), by striking “, (2), or (3)” and inserting “or (2)”. (o) Expedited funds availability act The Expedited Funds Availability Act (12 U.S.C. 4001 et seq.) is amended— (1) in section 605(f)(2)(A) ( 12 U.S.C. 4004(f)(2)(A) ), by striking ,, and inserting a semicolon; and (2) in section 610(a)(2) ( 12 U.S.C. 4009(a)(2) ), by striking Director of the Office of Thrift Supervision and inserting Comptroller of the Currency and the Board of Directors of the Federal Deposit Insurance Corporation, as appropriate, . (p) Fair credit reporting act The Fair Credit Reporting Act (15 U.S.C. 1681 et seq.) is amended— (1) in section 603 ( 15 U.S.C. 1681a )— (A) in subsection (d)(2)(D), by striking (x) and inserting (y) ; (B) in subsection (q)(5), by striking 103(i) and inserting 103(j) ; and (C) in subsection (v), by striking Bureau and inserting Federal Trade Commission ; (2) in section 604 ( 15 U.S.C. 1681b )— (A) in subsection (b)(2)(B)(i), by striking section 615(a)(3) and inserting section 615(a)(4) ; and (B) in subsection (g)(5), by striking paragraph (2) .— and all that follows through The Bureau and inserting paragraph (2) .—The Bureau ; (3) in section 605(h)(2)(A) ( 15 U.S.C. 1681c(h)(2)(A) )— (A) by striking shall,, and inserting shall, ; and (B) by striking Commission,, and inserting Commission, ; (4) in section 605A(h)(1)(A) (15 U.S.C. 1681c–1(h)(1)(A)), by striking 103(i) and inserting 103(j) ; (5) in section 609 ( 15 U.S.C. 1681g )— (A) in subsection (c)(1)— (i) in the paragraph heading, by striking commission and inserting bureau ; and (ii) in subparagraph (B)(vi), by striking 603(w) and inserting 603(x) ; and (B) by striking The Commission each place that term appears and inserting The Bureau ; (6) in section 611 ( 15 U.S.C. 1681i ), by striking The Commission each place that term appears and inserting The Bureau ; (7) in section 612 ( 15 U.S.C. 1681j )— (A) in subsection (a)(1), by striking (w) and inserting (x) ; and (B) by striking The Commission each place that term appears and inserting The Bureau ; and (8) in section 621 ( 15 U.S.C. 1681s )— (A) in subsection (a)(1), in the first sentence, by striking , subsection (b) ; (B) in subsection (e)(2), by inserting a period after provisions of this title ; and (C) in subsection (f)(2), by striking The Commission and inserting The Bureau . (q) Federal Credit Union Act Section 206(g)(7)(D)(iv) of the Federal Credit Union Act ( 12 U.S.C. 1786(g)(7)(D)(iv) ) is amended by striking the semicolon at the end and inserting a period. (r) Federal Deposit Insurance Act The Federal Deposit Insurance Act (12 U.S.C. 1811 et seq.) is amended— (1) in section 3(q)(2)(C) ( 12 U.S.C. 1813(q)(2)(C) ), by adding and at the end; (2) in section 7 (12 U.S.C. 1817)— (A) in subsection (b)(2)— (i) in subparagraph (A), by striking (D) and inserting (C) ; and (ii) by redesignating subparagraphs (D) and (E) as subparagraphs (C) and (D), respectively; and (B) in subsection (e)(2)(C), by adding a period at the end; (3) in section 8 (12 U.S.C. 1818)— (A) in subsection (b)(3), by striking Act)) and inserting Act) ; and (B) in subsection (t)— (i) in paragraph (2)— (I) in subparagraph (C), by striking depositors or and inserting depositors; or ; and (II) in subparagraph (D), by striking the semicolon at the end and inserting a period; and (ii) by redesignating the second paragraph designated as paragraph (6), as added by section 1090(1) of the Dodd-Frank Wall Street Reform and Consumer Protection Act (124 Stat. 2093) (relating to referral to the Bureau of Consumer Financial Protection), as paragraph (7); (4) in section 10(b)(3)(A) ( 12 U.S.C. 1820(b)(3)(A) ), by striking any special examination of any insured depository institution and all that follows and inserting the following: any special examination of any insured depository institution or nonbank financial company supervised by the Board of Governors or a bank holding company described in section 165(a) of the Financial Stability Act of 2010, whenever the Board of Directors determines that a special examination of any such depository institution is necessary to determine the condition of such depository institution for insurance purposes, or of such nonbank financial company supervised by the Board of Governors or bank holding company described in section 165(a) of the Financial Stability Act of 2010, for the purpose of implementing its authority to provide for orderly liquidation of any such company under title II of the Dodd-Frank Wall Street Reform and Consumer Protection Act, provided that such authority may not be used with respect to any such company that is in a generally sound condition. ; (5) in section 11 (12 U.S.C. 1821)— (A) in subsection (d)(2)(I)(ii), by striking and section 21A(b)(4) ; and (B) in subsection (m), in each of paragraphs (16) and (18), by striking the comma after Comptroller of the Currency each place it appears; and (6) in section 26(a) ( 12 U.S.C. 1831c(a) ), by striking Holding Company Act each place that term appears and inserting Holding Company Act of 1956 . (s) Federal Financial Institutions Examination Council Act of 1978 Section 1003(1) of the Federal Financial Institutions Examination Council Act of 1978 ( 12 U.S.C. 3302(1) ) is amended by striking the Office of Thrift Supervision, . (t) Federal Fire Prevention and Control Act of 1974 Section 31(a)(5)(B) of the Federal Fire Prevention and Control Act of 1974 ( 15 U.S.C. 2227(a)(5)(B) ) is amended by striking the Federal Deposit Insurance Corporation and all that follows through the period and inserting “or the Federal Deposit Insurance Corporation under the affordable housing program under section 40 of the Federal Deposit Insurance Act.”. (u) Federal Home Loan Bank Act The Federal Home Loan Bank Act (12 U.S.C. 1421 et seq.) is amended— (1) in section 10(h)(1) ( 12 U.S.C. 1430(h)(1) ), by striking Director of the Office of Thrift Supervision and inserting Comptroller of the Currency or the Board of Directors of the Federal Deposit Insurance Corporation, as applicable ; and (2) in section 22(a) ( 12 U.S.C. 1442(a) )— (A) in the matter preceding paragraph (1), by striking Currency and all that follows through Supervision and inserting Currency, the Chairman of the Board of Governors of the Federal Reserve System, the Chairperson of the Federal Deposit Insurance Corporation, and the Chairman of the National Credit Union Administration ; and (B) in the undesignated matter following paragraph (2), by striking Currency and all that follows through Supervision and inserting Currency, the Chairman of the Board of Governors of the Federal Reserve System, and the Chairman of the National Credit Union Administration . (v) Federal Reserve Act The Federal Reserve Act ( 12 U.S.C. 221 et seq. ) is amended in section 11 ( 12 U.S.C. 248 )— (1) by redesignating subsection (s), as added by section 1103(b) of the Dodd-Frank Wall Street Reform and Consumer Protection Act (124 Stat. 2118) (relating to Federal Reserve transparency and release of information), as subsection (t); and (2) in subsection (t), as so redesignated, in paragraph (8)(B), by striking this section and inserting this subsection . (w) Financial Institutions Reform, Recovery, and Enforcement Act of 1989 The Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (Public Law 101–73; 103 Stat. 183) is amended— (1) in section 1121(6) ( 12 U.S.C. 3350(6) ), by striking the Office of Thrift Supervision, ; and (2) in section 1206(a) ( 12 U.S.C. 1833b(a) ), by striking and the Bureau of Consumer Financial Protection, and inserting the Bureau of Consumer Financial Protection, and . (x) Gramm-Leach-Bliley Act The Gramm-Leach-Bliley Act ( Public Law 106–102 ; 113 Stat. 1338) is amended— (1) in section 132(a) ( 12 U.S.C. 1828b(a) ), by striking the Director of the Office of Thrift Supervision, ; (2) in section 206(a) ( 15 U.S.C. 78c note), by striking Except as provided in subsection (e), for and inserting For ; (3) in section 502(e)(5) ( 15 U.S.C. 6802(e)(5) ), by inserting a comma after Protection ; (4) in section 504(a)(2) ( 15 U.S.C. 6804(a)(2) ), by striking and, as appropriate, and with and inserting and, as appropriate, with ; (5) in section 509(2) ( 15 U.S.C. 6809(2) )— (A) by striking subparagraph (D); and (B) by redesignating subparagraphs (E) and (F) as subparagraphs (D) and (E), respectively; and (6) in section 522(b)(1)(A)(iv) ( 15 U.S.C. 6822(b)(1)(A)(iv) ), by striking Director of the Office of Thrift Supervision and inserting Comptroller of the Currency and the Board of Directors of the Federal Deposit Insurance Corporation, as appropriate . (y) Helping families save their homes act of 2009 Section 104 of the Helping Families Save Their Homes Act of 2009 ( 12 U.S.C. 1715z–25 ) is amended— (1) in subsection (a)— (A) by striking and the Director of the Office of Thrift Supervision, shall jointly and inserting shall ; (B) by striking and the Office of Thrift Supervision ; and (C) by striking each such and inserting such ; and (2) in subsection (b)(1)— (A) in subparagraph (A)— (i) in the first sentence— (I) by striking and the Director of the Office of Thrift Supervision, ; and (II) by striking or the Director ; (ii) in the second sentence, by striking and the Director of the Office of Thrift Supervision ; and (B) in subparagraph (B), by striking and the Director of the Office of Thrift Supervision . (z) Home mortgage disclosure act of 1975 The Home Mortgage Disclosure Act of 1975 ( 12 U.S.C. 2801 et seq. ) is amended— (1) in section 304(j)(3) ( 12 U.S.C. 2803(j)(3) ), by adding a period at the end; and (2) in section 305(b)(1)(A)(iii) ( 12 U.S.C. 2804(b)(1)(A)(iii) ), by striking bank as, and inserting bank, as . (aa) 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 (d)(2)(E)(ii)— (i) in the first sentence, by striking Except as provided in section 21A of the Federal Home Loan Bank Act, the and inserting The ; and (ii) by striking , at the Director’s discretion, ; (B) in subsection (i)(6), by striking the Office of Thrift Supervision or ; (C) in subsection (m), by striking Director's each place that term appears and inserting appropriate Federal banking agency's ; (D) in subsection (n)(9)(B), by striking Director’s and inserting Comptroller’s ; and (E) in subsection (s)— (i) in paragraph (1)— (I) in the matter preceding subparagraph (A), by striking of such Act) and all that follows through shall require and inserting of such Act), the appropriate Federal banking agency shall require ; and (II) in subparagraph (B), by striking other methods and all that follows through determines and inserting other methods as the appropriate Federal banking agency determines ; (ii) in paragraph (2)— (I) by striking determined and all that follows through may, consistent and inserting determined by appropriate federal banking agency case-by-case .—The appropriate Federal banking agency may, consistent ; and (II) by striking capital-to-assets and all that follows through determines to be necessary and inserting capital-to-assets as the appropriate Federal banking agency determines to be necessary ; (2) in section 6(c) ( 12 U.S.C. 1465(c) ), by striking sections and inserting section ; (3) in section 10 (12 U.S.C. 1467a)— (A) in subsection (b)(6), by striking time and all that follows through release and inserting time, upon the motion or application of the Board, release ; (B) in subsection (c)(2)(H)— (i) in the matter preceding clause (i)— (I) by striking 1841(p)) and inserting 1841(p))) ; and (II) by inserting ( 12 U.S.C. 1843(k) ) before if— ; and (ii) in clause (i), by inserting of 1956 ( 12 U.S.C. 1843(l) and (m)) after Company Act ; and (C) in subsection (e)(7)(B)(iii)— (i) by striking Board of the Office of Thrift Supervision and inserting Director of the Office of Thrift Supervision ; and (ii) by inserting , as defined in section 2 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5301 ) after transfer date ; and (4) in section 13 (12 U.S.C. 1468b), by striking the a and inserting a . (bb) Home Ownership and Equity Protection Act of 1994 Section 158 of the Home Ownership and Equity Protection Act of 1994 ( 15 U.S.C. 1601 note) is amended by striking Bureau each place that term appears and inserting Bureau of Consumer Financial Protection . (cc) Housing act of 1948 Section 502(c)(3) of the Housing Act of 1948 (12 U.S.C. 1701c(c)(3)) is amended by striking Federal Home Loan Bank Agency and inserting Federal Housing Finance Agency . (dd) Housing and Urban Development Act of 1968 Section 106(h)(5) of the Housing and Urban Development Act of 1968 ( 12 U.S.C. 1701x(h)(5) ) is amended by striking authorised and inserting authorized . (ee) International Banking Act of 1978 Section 15 of the International Banking Act of 1978 ( 12 U.S.C. 3109 ) is amended— (1) in each of subsections (a) and (b)— (A) by striking , and Director of the Office of Thrift Supervision each place that term appears; and (B) by inserting and before Federal Deposit each place that term appears; (2) in subsection (a), by striking Comptroller, Corporation, or Director and inserting Comptroller, or Corporation ; and (3) in subsection (c)(4)— (A) by inserting and before the Federal Deposit ; and (B) by striking , and the Director of the Office of Thrift Supervision . (ff) International Lending Supervision Act of 1983 Section 912 of the International Lending Supervision Act of 1983 ( 12 U.S.C. 3911 ) is amended— (1) in the section heading, by striking and the Office of Thrift Supervision ; (2) by striking (a) In general .— ; and (3) by striking subsection (b). (gg) Interstate land sales full disclosure act The Interstate Land Sales Full Disclosure Act ( 15 U.S.C. 1701 et seq. ) is amended— (1) in section 1402(1) ( 15 U.S.C. 1701(1) ) by striking Bureau of and all that follows through the semicolon at the end and inserting Bureau of Consumer Financial Protection; ; and (2) in each of section 1411(b) ( 15 U.S.C. 1710(b) ) and subsections (b)(4) and (d) of section 1418a ( 15 U.S.C. 1717a ), by striking “Secretary’s” each place that term appears and inserting “Director’s”. (hh) Investment Advisers Act of 1940 Section 224 of the Investment Advisers Act of 1940 ( 15 U.S.C. 80b–18c ) is amended in the section heading, by striking Commodities and inserting Commodity . (ii) Legal Certainty for Bank Products Act of 2000 Section 403(b)(1) of the Legal Certainty for Bank Products Act of 2000 ( 7 U.S.C. 27a(b)(1) ) is amended by striking that section and inserting section . (jj) Omnibus Appropriations Act, 2009 Section 626(b) of the Omnibus Appropriations Act, 2009 ( 12 U.S.C. 5538(b) ) is amended, in each of paragraphs (2) and (3), by inserting a comma after as appropriate each place that term appears. (kk) Public law 93–495 Section 111 of Public Law 93–495 ( 12 U.S.C. 250 ) is amended by striking the Director of the Office of Thrift Supervision, . (ll) Revised Statutes of the United States Section 5136C(i) of the Revised Statutes of the United States ( 12 U.S.C. 25b(i) ) is amended by striking powers .— and all that follows through In accordance and inserting powers .—In accordance . (mm) Riegle Community Development and Regulatory Improvement Act of 1994 Section 117(e) of the Riegle Community Development and Regulatory Improvement Act of 1994 ( 12 U.S.C. 4716(e) ) is amended by striking the Director of the Office of Thrift Supervision, . (nn) S.A.F.E. Mortgage Licensing Act of 2008 Section 1514 of the S.A.F.E. Mortgage Licensing Act of 2008 ( 12 U.S.C. 5113 ) is amended in each of subsections (b)(5) and (c)(4)(C), by striking Secretary’s each place that term appears and inserting Director’s . (oo) Securities Exchange Act of 1934 The Securities Exchange Act of 1934 (15 U.S.C. 78a et seq.) is amended— (1) in section 3C(g)(4)(B)(v) ( 15 U.S.C. 78c–3(g)(4)(B)(v) ), by striking of that Act and inserting of that section ; (2) in section 3D(d)(10)(A) ( 15 U.S.C. 78c–4(d)(10)(A) ), by striking taking and inserting take ; (3) in section 3E(b)(1) ( 15 U.S.C. 78c–5(b)(1) ), by striking though and inserting through ; (4) in section 4(g)(8)(A) ( 15 U.S.C. 78d(g)(8)(A) ), by striking (2)(A)(i) and inserting (2)(A)(ii) ; (5) in section 15 (15 U.S.C. 78o)— (A) in each of subparagraphs (B)(ii) and (C) of subsection (b)(4), by striking dealer municipal advisor,, and inserting dealer, municipal advisor, ; (B) by redesignating subsection (j) (relating to the authority of the Commission) as subsection (p) and moving that subsection to the end; (C) by redesignating subsections (k) and (l) (relating to standard of conduct and other matters, respectively), as added by section 913(g)(1) of the Dodd-Frank Wall Street Reform and Consumer Protection Act (124 Stat. 1828), as subsections (q) and (r), respectively and moving those subsections to the end; and (D) in subsection (m), by inserting the before same extent ; (6) in section 15F(h) ( 15 U.S.C. 78o–10(h) )— (A) in paragraph (2)(A), by inserting “a” after “that acts as an advisor to”; (B) in paragraph (2)(B), by inserting a after offers to enter into ; and (C) in paragraph (5)(A)(i)— (i) by inserting (A) after (18) ; and (ii) in subclause (VII), by striking act of and inserting Act of ; (7) in section 15G ( 15 U.S.C. 78o–11 )— (A) in subsection (b)(2), by inserting Director of the before Federal Housing ; (B) in subsection (e)(4)(A), by striking subsection and inserting section ; (C) in subsection (e)(4)(C)— (i) by striking 129C(c)(2) and inserting 129C(b)(2)(A) ; and (ii) by inserting ( 15 U.S.C. 1639c(b)(2)(A) ) after Lending Act ; and (D) in subsection (e)(5), by striking subsection and inserting section ; and (8) in section 17A ( 15 U.S.C. 78q–1 ), by redesignating subsection (g), as added by section 929W of the Dodd-Frank Wall Street Reform and Consumer Protection Act (relating to due diligence for the delivery of dividends, interest, and other valuable property rights) as subsection (n) and moving that subsection to the end. (pp) Telemarketing and consumer fraud and abuse prevention act Section 3(b) of the Telemarketing and Consumer Fraud and Abuse Prevention Act ( 15 U.S.C. 6102(b) ) is amended by inserting before the period at the end the following: , provided, however, nothing in this section shall conflict with or supersede section 6 of the Federal Trade Commission Act ( 15 U.S.C. 46 ) . (qq) Title 5 Title 5, United States Code, is amended— (1) in section 3132(a)(1)(D), by striking the Office of Thrift Supervision,, the Resolution Trust Corporation, ; and (2) in section 5314, by striking Director of the Office of Thrift Supervision. . (rr) Title 10 Section 987(h)(3) of title 10, United States Code, is amended— (1) by striking subparagraph (E); and (2) by redesignating subparagraphs (F) and (G) as subparagraphs (E) and (F), respectively. (ss) Title 31 (1) Amendments Title 31, United States Code, is amended— (A) by striking section 309; (B) in section 313— (i) in subsection (j)(2), by striking Agency ; and (ii) in subsection (r)(4), by striking the Office of Thrift Supervision, ; and (C) in section 714(d)(3)(B) by striking a audit and inserting an audit . (2) Analysis The analysis for subchapter I of chapter 3 of title 31, United States Code, is amended by striking the item relating to section 309. (tt) Truth in Lending Act The Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) is amended— (1) in section 103 ( 15 U.S.C. 1602 )— (A) by redesignating subsections (aa) and (bb) as subsections (bb) and (aa), respectively, and moving subsection (bb), as so redesignated, after subsection (aa), as so redesignated; (B) by redesignating the subsection (cc), as added by section 1401 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (124 Stat. 2137), as subsection (ee), and by moving such subsection to the end; and (C) in paragraph (2)(E)(v) of subsection (ee), as so redesignated, by striking Board and inserting Bureau ; (2) in section 105 ( 15 U.S.C. 1604 ), by inserting subsection (h), as added by section 1472(c) of the Dodd-Frank Wall Street Reform and Consumer Protection Act (124 Stat. 2187), before subsection (i), as added by section 1100A(7) of that Act (124 Stat. 2108); (3) in section 106(f)(2)(B)(i) ( 15 U.S.C. 1605(f)(2)(B)(i) ), by striking 103(w) and inserting 103(x) ; (4) in section 121(b) ( 15 U.S.C. 1631(b) ), by striking 103(f) and inserting 103(g) ; (5) in section 122(d)(5) ( 15 U.S.C. 1632(d)(5) ), by striking and the Bureau before , may promulgate regulations ; (6) in section 125(e)(1) ( 15 U.S.C. 1635(e)(1) ), by striking 103(w) and inserting 103(x) ; (7) in section 129 ( 15 U.S.C. 1639 )— (A) in subsection (q), by striking (l)(2) and inserting (p)(2) ; and (B) in subsection (u)(3), by striking Board each place that term appears and inserting Bureau ; (8) in section 129C ( 15 U.S.C. 1639c )— (A) in subsection (b)(2)(B), by striking the second period at the end; and (B) in subsection (c)(1)(B)(ii)(I), by striking a original and inserting an original ; (9) in section 140A ( 15 U.S.C. 1651 ), by striking the Bureau and ; (10) in section 148(d) ( 15 U.S.C. 1665c(d) ), by striking Bureau and inserting Board ; (11) in section 149 ( 15 U.S.C. 1665d )— (A) by striking the Director of the Office of Thrift Supervision, each place that term appears; (B) by striking National Credit Union Administration Bureau and inserting National Credit Union Administration Board each place that term appears; and (C) by striking Bureau of Directors of the Federal Deposit Insurance Corporation and inserting Board of Directors of the Federal Deposit Insurance Corporation each place that term appears; and (12) in section 181(1) ( 15 U.S.C. 1667(1) ), by striking 103(g) and inserting 103(h) . (uu) Truth in Savings Act The Truth in Savings Act ( 12 U.S.C. 4301 et seq. ) is amended in each of sections 269(a)(4) ( 12 U.S.C. 4308(a)(4) ), 270(a)(2) (12 U.S.C. 4309(a)(2)), and 274(6) ( 12 U.S.C. 4313(6) ), by striking Administration Bureau each place that term appears and inserting Administration Board . 17. Rulemaking deadlines (a) One-Year extension The deadline for issuance of any rule or regulation, conduct of any study, or submission of any report required by the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Public Law 111–203 ) or amendments made by that Act that has not been met or is not met in final form by the date specified in that Act or those amendments, shall be extended for 1 year. (b) No effect on finalized rules The extension provided under subsection (a) shall have no effect on any rule required by the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Public Law 111–203 ) or amendments made by that Act that have been issued in final form before the date of enactment of this Act. 18. Effective dates Except as otherwise specifically provided in this Act— (1) the amendments made by this Act to a provision of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Public Law 111–203 ) shall take effect as if enacted on the effective date of the provision, immediately after the provision takes effect; and (2) the amendments made by this Act to a provision of law amended by the Dodd-Frank Wall Street Reform and Consumer Protection Act shall take effect as if enacted on the effective date of the amendment to that provision of law made by the Dodd-Frank Wall Street Reform and Consumer Protection Act, immediately after the amendment made by the Dodd-Frank Wall Street Reform and Consumer Protection Act takes effect.