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Increase the supply of housing in AmericaSection 905 › Proposal

The bank's regulator must report to Congress at 90 days and again at 210

To increase the supply of housing in America, and for other purposes, section 905, Sec. 905. Written by .

The bank's regulator must report to Congress at 90 days and again at 210

The document says “shallWho acts: appropriate Federal banking agenciesHow: statuteSec. 905 in the PDF
What the document says

“The appropriate Federal banking agency of an insured depository institution about which a determination is made under paragraph (4)(G)(i) shall, not later than 90 days after the date of such determination, and again 210 days thereafter, submit a report to the Congress that discloses the following:”

To increase the supply of housing in America, and for other purposes, Sec. 905

The section adds a new paragraph (12) to section 13(c) of the Federal Deposit Insurance Act requiring the failed bank's federal banking agency to report to Congress within 90 days of a systemic risk determination and again 210 days later. The report must disclose, subject to redactions protecting personal information about customers and other institutions, all examination and inspection reports on the bank from the previous three years, all formal communications of a material supervisory determination in that period, and any other exam reports or correspondence the agency finds relevant, together with an examination of mismanagement by the bank's executives and board, any supervisory or regulatory shortcomings of the agency itself, any dynamics that may have contributed to the failure, and any recommendations to improve safety and soundness.

What the document actually says

“The appropriate Federal banking agency of an insured depository institution about which a determination is made under paragraph (4)(G)(i) shall, not later than 90 days after the date of such determination, and again 210 days thereafter, submit a report to the Congress that discloses the following:”

To increase the supply of housing in America, and for other purposes, Sec. 905
That sentence, in plain words

The bank's own regulator must report to Congress. The first report is due within 90 days. A second follows 210 days later.

What this is about

The report must hand over exam papers from the last three years. It must also cover what the bank's leaders did wrong. It must cover what the regulator itself missed.

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The quotation is the document's own words, exactly as printed, and we check the page number against the Act itself before publishing. The paragraph underneath is our summary, not the document's words. So is the plain English version, which is why it sits beside the quotation rather than replacing it.

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