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as section 923 of the Electronic Fund Transfer Act; and (9) by redesignating the section headed ‘‘Effective date’’ (15 U.S.C. 1693 note) as section 924 of the Electronic Fund Transfer Act. (l) 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,’’. (m) 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)— (i) by striking ‘‘Consumer Protection Financial Protection Act of 2010 with’’ and inserting ‘‘Consumer Financial Protection Act of 2010, compliance with’’; (ii) in paragraph (1)— (I) by striking ‘‘section 8’’ and inserting ‘‘Section 8’’; and (II) in subparagraph (C), by striking ‘‘banks;’’ and inserting ‘‘banks.’’; (iii) in each of paragraphs (6) and (7), by striking the semicolon at the end and inserting a period; and (iv) in paragraph (8), by striking ‘‘; and’’ and inserting a period; and (B) in subsection (c), in the second sentence, by striking ‘‘subchapter’’ and inserting ‘‘title’’; and (3) in section 706(k) (15 U.S.C. 1691e(k)), by striking ‘‘, (2), or (3)’’ and inserting ‘‘or (2)’’. (n) 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,’’. (o) 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)— (i) in paragraph (2)(B)(i), by striking ‘‘section 615(a)(3)’’ and inserting ‘‘section 615(a)(4)’’; (ii) in paragraph (3)(B)(ii), by striking ‘‘clause (B)(i)(IV)’’ and inserting ‘‘clause (i)(IV)’’; (iii) in paragraph (4)(A)(ii), by inserting ‘‘and’’ after the semicolon; and (iv) by striking ‘‘section 609(c)(3)’’ each place that term appears and inserting ‘‘section 609(c)’’; and (B) in subsection (g)(5), by striking ‘‘PARAGRAPH (2).—’’ and all that follows through ‘‘The Bureau’’ and inserting ‘‘PARAGRAPH (2).—The Agency’’; (3) in section 605 (15 U.S.C. 1681c)— (A) in subsection (f), by striking ‘‘who’’ and inserting ‘‘which’’; and (B) in subsection (h)(2)(A)— (i) by striking ‘‘shall,,’’ and inserting ‘‘shall,’’; and (ii) by striking ‘‘Commission,,’’ and inserting ‘‘Commission,’’; (4) in paragraphs (1)(A), (1)(B)(i), (2)(A)(i), and (2)(B) of section 605A(h) (15 U.S.C. 1681c– 1(h))—

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(A) by striking ‘‘103(i)’’ each place that term appears and inserting ‘‘103(j)’’ ; and (B) by striking ‘‘open-end’’ each place that term appears and inserting ‘‘open end’’; (5) in section 607(e)(3)(A) (15 U.S.C. 1681e(e)(3)(A)), by striking ‘‘section 604(b)(4)(E)(i)’’ and inserting ‘‘section 604(b)(4)(D)(i)’’; (6) in section 609 (15 U.S.C. 1681g)— (A) in subsection (a)(3)(C)(i), by striking ‘‘section 604(b)(4)(E)(i)’’ and inserting ‘‘section 604(b)(4)(D)(i)’’; (B) 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)’’; (C) in subsection (e)(2)(B)(ii)(II), by striking ‘‘an’’; and (D) by striking ‘‘The Commission’’ each place that term appears and inserting ‘‘The Bureau’’; (7) in section 610 (15 U.S.C. 1681h)— (A) in subsection (b)(1), by inserting ‘‘section’’ after ‘‘under’’; and (B) in subsection (e), by inserting a comma after ‘‘on the report’’; (8) in section 611 (15 U.S.C. 1681i), by striking ‘‘The Commission’’ each place that term appears and inserting ‘‘The Agency’’; (9) in section 612 (15 U.S.C. 1681j)— (A) in subsection (a)(1)— (i) by striking ‘‘(w)’’ and inserting ‘‘(x)’’; and (ii) in subparagraph (C), by striking ‘‘603(w)’’ each place that term appears and inserting ‘‘603(x)’’; (B) in subsection (g), by striking ‘‘televison’’ and inserting ‘‘television’’; and (C) by striking ‘‘The Commission’’ each place that term appears and inserting ‘‘The Bureau’’; (10) 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 Agency’’ and (11) in section 623(a)(5) (15 U.S.C. 1681s– 2(a)(5)), by striking ‘‘OF ACCOUNTS.—(A) IN GENERAL.—A person’’ and inserting ‘‘OF ACCOUNTS.— ‘‘(A) IN GENERAL.—A person’’. (p) 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. (q) 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)(2)(C), by striking ‘‘depositors or’’ and inserting ‘‘depositors; or’’; (4) 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 (5) 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’’. (r) FEDERAL FIRE PREVENTION AND CONTROL ACT OF 1974.—Section 31(a)(5)(B) of the Federal

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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.’’. (s) 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 ‘‘Comptroller of the Currency’’ and all that follows through ‘‘Supervision’’ and inserting ‘‘Comptroller of the 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 ‘‘Comptroller of the Currency’’ and all that follows through ‘‘Supervision’’ and inserting ‘‘Comptroller of the Currency, the Chairman of the Board of Governors of the Federal Reserve System, and the Chairman of the National Credit Union Administration’’. (t) FEDERAL RESERVE ACT.—Paragraph (8)(B) of section 11(s) of the Federal Reserve Act (headed ‘‘Federal Reserve Transparency and Release of Information’’) (12 U.S.C. 248) is amended by striking ‘‘this section’’ and inserting ‘‘this subsection’’. (u) 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 in section 1121(6) (12 U.S.C. 3350(6)), by striking ‘‘the Office of Thrift Supervision,’’. (v) GRAMM-LEACH-BLILEY ACT.—The GrammLeach-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 striking ‘‘a Federal’’ and inserting ‘‘, a Federal’’; (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’’. (w) 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) in the matter preceding paragraph (1)— (i) by striking ‘‘and the Director of the Office of Thrift Supervision, shall jointly’’ and inserting ‘‘shall’’; (ii) by striking ‘‘Senate,’’ and inserting ‘‘Senate and’’; (iii) by striking ‘‘and the Office of Thrift Supervision’’; and (iv) by striking ‘‘each such’’ and inserting ‘‘such’’; and

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