HR6536-119

2. Study on improving the growth, capital adequacy, and profitability of rural depository institutions The Federal banking agencies shall, jointly, carry out a study— to identify methods to improve the growth, capital adequacy, and profitability of depository institutions in the United States that primarily serve rural areas; and to identify Federal statutes or regulations of the Federal banking agencies that limit— the methods identified under paragraph (1); or the establishment of de novo depository institutions in rural areas. Not later than 6 months after the date of enactment of this Act, the Federal banking agencies shall, jointly, issue a report to Congress containing all findings and determinations made in carrying out the study required under subsection (a). In this section: The term depository institution has the meaning given that term in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813). The term Federal banking agencies means the Board of Governors of the Federal Reserve System, the Comptroller of the Currency, and the Federal Deposit Insurance Corporation.