Summary:
UNRWA Anti-Incitement and Anti-Terrorism Act

This bill amends the Foreign Assistance Act of 1961 to withhold U.S. contributions to the United Nations Relief and Works Agency for Palestine Refugees in the Near East (UNRWA) or to any successor or related entity, or to the regular budget of the United Nations (U.N.) for the support of UNRWA or a successor entity, unless the Department of State certifies to Congress that:

 no UNRWA official, employee, representative, or affiliate is a member of a foreign terrorist organization, has propagated anti-American, anti-Israel, or anti-Semitic rhetoric, or has used UNRWA resources to propagate political materials regarding the Israeli-Palestinian conflict; no UNRWA facility is used by a foreign terrorist organization; no UNRWA school uses educational materials that propagates anti-American, anti-Israel, or anti-Semitic rhetoric; no recipient of UNRWA funds or loans is a member of a foreign terrorist organization; UNRWA is subject to auditing oversight; and UNRWA holds no accounts or other affiliations with financial institutions deemed by the United States to be complicit in money laundering and terror financing. U.S. contributions to UNRWA are limited during the period for which a certification is in effect.

It is the sense of Congress that:

 the President and the Department should lead a diplomatic effort to encourage other nations to withhold contributions to UNRWA, or to the regular budget of the U.N. for the support of UNRWA, until UNRWA has met these conditions; citizens of recognized states should be removed from UNRWA's jurisdiction; UNRWA's definition of a "Palestine refugee" should be changed to that used for a refugee by the Office of the United Nations High Commissioner for Refugees (UNHCR); and responsibility for the Palestinian refugees should be fully transferred to UNHCR.

unrwa anti incitement anti terrorism act bill amends foreign assistance_act withhold contributions united_nations_relief_and_works_agency refugees near_east unrwa successor related entity regular budget united_nations support unrwa successor entity department_of_state certifies congress unrwa official employee representative affiliate member foreign terrorist organization propagated anti american anti-israel anti unrwa resources propagate political materials israeli palestinian conflict unrwa facility foreign terrorist organization unrwa school uses educational materials anti american anti-israel anti recipient unrwa funds loans member foreign terrorist organization unrwa subject auditing oversight unrwa holds accounts affiliations financial institutions deemed united_states complicit money laundering terror financing contributions unrwa limited period certification effect sense congress president department lead diplomatic effort encourage nations withhold contributions unrwa regular budget support unrwa unrwa met conditions citizens recognized states removed unrwa jurisdiction unrwa definition refugee changed refugee office united_nations high commissioner refugees responsibility palestinian refugees fully transferred


Summary:
Berta Caceres Human Rights in Honduras Act

This bill prohibits funds from being made available to Honduras for the police and military (including for equipment and training), and directs the Department of the Treasury to vote against multilateral loans to Honduras for its police and military, until the Department of States certifies that the government of Honduras has:

 prosecuted members of the military and police for human rights violations and ensured that such violations have ceased; established the rule of law and guaranteed a judicial system capable of bringing to justice members of the police and military who have committed human rights abuses; established that it protects the rights of trade unionists, journalists, human rights defenders, government critics, and civil society activists to operate without interference; withdrawn the military from domestic policing; and brought to trial and obtained verdicts against those who ordered and carried out the attack on Felix Molina and the killings of Berta Caceres, Joel Palacios Lino, Elvis Armando Garcia, and over 100 small-farmer activists in the Aguan Valley.

human rights honduras act bill prohibits funds available honduras police military including equipment training directs department_of_the_treasury vote multilateral loans honduras police military department states certifies government honduras prosecuted members military police human rights violations violations ceased established rule law guaranteed judicial system capable bringing justice members police military committed human rights abuses established protects rights trade journalists human rights defenders government civil society activists operate interference withdrawn military domestic policing brought trial obtained ordered carried attack killings small farmer activists valley


Summary:
Justice for Uncompensated Survivors Today (JUST) Act of 2016

This bill directs the Department of State, with respect to covered countries, to annually include within either the relevant Annual Country Report on Human Rights, the International Religious Freedom Report, or other appropriate report an assessment of the nature and extent of national laws or enforceable policies regarding the identification, return, or restitution of wrongfully seized or transferred Holocaust era assets and compliance with the goals of the Terezin Declaration on Holocaust Era Assets and Related Issues, including:

 the return to the rightful owner of wrongfully seized or transferred property, including religious or communal property, or the provision of comparable substitute property or the payment of equitable compensation to the rightful owner; the use of the Washington Conference Principles on Nazi-Confiscated Art and the Terezin Declaration in settling claims involving publicly and privately held movable property; the restitution of heirless property to assist needy Holocaust survivors; and progress on the resolution of claims for U.S. citizen Holocaust survivors and family members. "Covered countries" means signatories to the Terezin Declaration that are determined by the Special Envoy for Holocaust Issues to be countries of particular concern with respect to such restitution.

justice uncompensated survivors today act bill directs department_of_state respect covered countries annually include relevant annual country report human rights international religious freedom report appropriate report assessment nature extent national laws enforceable policies identification return restitution wrongfully seized transferred holocaust era assets compliance goals declaration holocaust era assets related issues including return owner wrongfully seized transferred property including religious property provision comparable substitute property payment equitable compensation owner use washington conference principles nazi confiscated art declaration settling claims involving publicly privately held property restitution property assist needy holocaust survivors progress resolution claims citizen holocaust survivors family members covered countries means signatories declaration determined special envoy holocaust issues countries particular concern respect restitution


Summary:
Iraq and Syria Genocide Relief and Accountability Act of 2016

This bill directs the Department of State to provide assistance to entities taking specified criminal and judicial actions against individuals who are suspected of committing genocide, crimes against humanity, or war crimes in Iraq since January 2014 or in Syria since March 2011.

The State Department shall encourage foreign governments to identify and prosecute individuals who are suspected of committing such crimes, including members of foreign terrorist organizations operating in Iraq or Syria.

The Department of Justice shall review existing criminal statutes concerning genocide, crimes against humanity, and war crimes to determine:

 the extent to which U.S. courts have jurisdiction over such crimes where the perpetrators or victims are U.S. nationals, residents, or persons present in a U.S. territory; current statutes that would apply to such conduct and whether additional statutory authorities are necessary; and the extent to which the absence of criminal statutes defining the crimes or granting jurisdiction impede their prosecution in U.S. courts. The State Department shall identify:

 threats of persecution, genocide, crimes against humanity, and forced migration against members of Iraqi or Syrian religious or ethnic groups with respect to whom the Islamic State of Iraq and Syria (ISIS) has committed such crimes in Iraq or Syria since January 2014 or who are members of other persecuted religious or ethnic groups; humanitarian, stabilization, and recovery needs of these individuals; and assistance provided by the United States, the U.N., and other entities, including faith-based entities. The Foreign Operations, Export Financing, and Related Programs Appropriations Act, 1990 is amended to:

 include as a category for U.S. refugee determinations aliens who are or were nationals and residents of Iraq or Syria and who share common characteristics that identify them as targets of persecution on account of religion or membership in an ethnic minority in such foreign states, include in such category aliens who are or were nationals and residents of Iraq or Syria and who are members of a religious or ethnic community against which genocide has been committed or that has otherwise been identified as a persecuted group, and extend such Act's coverage to refugee applications submitted before October 1, 2017.

iraq syria genocide relief accountability_act bill directs department_of_state provide assistance entities taking specified criminal judicial actions individuals suspected committing genocide crimes humanity war crimes iraq january syria march state_department shall encourage foreign governments identify prosecute individuals suspected committing crimes including members foreign terrorist organizations operating iraq syria department_of_justice shall review existing criminal statutes concerning genocide crimes humanity war crimes determine extent courts jurisdiction crimes perpetrators victims nationals residents persons present territory current statutes apply conduct additional statutory authorities necessary extent absence criminal statutes defining crimes granting jurisdiction impede prosecution courts state_department shall identify threats persecution genocide crimes humanity forced migration members iraqi syrian religious ethnic groups respect islamic_state_of_iraq syria committed crimes iraq syria january members persecuted religious ethnic groups humanitarian stabilization recovery needs individuals assistance provided united_states entities including faith based entities foreign_operations export financing related programs appropriations act amended include category refugee determinations aliens nationals residents iraq syria share common characteristics identify targets persecution account religion membership ethnic minority foreign states include category aliens nationals residents iraq syria members religious ethnic community genocide committed identified persecuted group extend act coverage refugee applications submitted october


Summary:
Coptic Churches Accountability Act

This bill directs the Department of State, until 2021, to submit an annual report describing:

 the progress made in restoring or repairing Christian religious property and property owned by Christians in Egypt that was damaged or destroyed during the August 2013 sectarian violence; implementation of the law Egypt passed in 2016 that imposes significant burdens on church building; and the nature and extent of Egyptian laws and policies regarding the construction of Christian churches or places of worship. The State Department shall ensure that each country report on human rights practices for Egypt and each report on international religious freedom contains:

 a summary of the progress made in restoring religious property; and a list of each Christian church, place of worship, or other Christian religious property and each item of property belonging to a Christian church that was damaged or destroyed.

churches accountability_act bill directs department_of_state submit annual report describing progress restoring repairing christian religious property property owned egypt damaged destroyed august sectarian violence implementation law egypt passed imposes significant burdens church building nature extent egyptian laws policies construction christian churches places worship state_department shall ensure country report human rights practices egypt report international religious freedom contains summary progress restoring religious property list christian church place worship christian religious property item property belonging christian church damaged destroyed


Summary: This bill prohibits U.S. funds from being made available to the Preparatory Commission for the Comprehensive Nuclear-Test-Ban Treaty Organization if, on or after September 16, 2016, the U.N. Security Council adopts a resolution that obligates the United States or affirms a purported obligation of the United States to refrain from actions that would run counter to the treaty.

bill prohibits funds available preparatory commission comprehensive nuclear test ban treaty organization september security_council adopts resolution obligates united_states affirms purported obligation united_states refrain actions run counter treaty


Summary:
(This measure has not been amended since it was introduced. The expanded summary of the House passed version is repeated here.)

Holocaust Expropriated Art Recovery Act of 2016

(Sec. 5) This bill allows civil claims or causes of action for the recovery of artwork or certain other property lost between January 1, 1933, and December 31, 1945, because of Nazi persecution to be commenced within six years after the claimant's actual discovery of: (1) the identity and location of the artwork or other property, and (2) a possessory interest in the artwork or property.

Such statutory limitation period of six years after actual discovery preempts any other statutes of limitation or defenses relating to the passage of time.

Preexisting claims known by a claimant before enactment of this bill shall be considered discovered on the date of this bill's enactment if they were barred before, or not barred on, the date of enactment.

This bill applies to claims or actions that are: (1) pending on the date of this bill's enactment, including an action for which the time to file an appeal has not expired; or (2) filed after enactment but before 2027. But the bill does not apply to claims barred on the day before enactment of this bill if: (1) the claimant had knowledge on or after January 1, 1999, and (2) six years have passed from the date such claimant acquired such knowledge and during which time the claim was not barred by a statute of limitations.

measure amended introduced expanded summary house passed version repeated holocaust art recovery_act sec bill allows civil claims causes action recovery certain property lost january december nazi persecution commenced years claimant actual discovery identity location property interest property statutory limitation period years actual discovery preempts statutes limitation defenses relating passage time preexisting claims known claimant enactment bill shall considered discovered date bill enactment barred barred date enactment bill applies claims actions pending date bill enactment including action time file appeal expired filed enactment bill apply claims barred day enactment bill claimant knowledge january years passed date claimant acquired knowledge time claim barred statute limitations


Summary:
Combating European Anti-Semitism Act of 2016

This bill expresses the sense of Congress that: (1) it is in the U.S. national interest to combat anti-Semitism at home and abroad; (2) there is a need to ensure the security of European Jewish communities, including synagogues, schools, and cemeteries; and (3) the United States should continue to emphasize the importance of combating anti-Semitism in multilateral bodies.

The International Religious Freedom Act of 1998 is amended to require the Department of State's Annual Report on International Religious Freedom to include, for each European country in which threats or attacks against Jewish persons, schools, and religious institutions are particularly significant, a description of:

 the security challenges and needs of European Jewish communities and European law enforcement agencies; U.S. efforts to partner with European law enforcement agencies and civil society groups to combat anti-Semitic incidents; educational programming and public awareness initiatives that impart values of pluralism and tolerance, showcase the positive contributions of Jews, and pay special attention to population segments that exhibit a high degree of anti-Semitic animus; and efforts by European governments to adopt and apply a working definition of anti-Semitism.

combating european anti act bill expresses sense congress national interest combat anti home abroad need ensure security european jewish communities including schools cemeteries united_states continue emphasize importance combating anti multilateral bodies international religious freedom act amended require department_of_state annual report international religious freedom include european country threats attacks jewish persons schools religious institutions particularly significant description security challenges needs european jewish communities european law enforcement agencies efforts partner european law enforcement agencies civil society groups combat anti incidents educational programming public awareness initiatives values tolerance positive contributions pay special attention population segments exhibit high degree anti efforts european governments adopt apply working definition anti


Summary:
Holocaust Insurance Accountability Act of 2016

This bill allows a beneficiary of a Holocaust-era life, dowry, education, annuity, property, or other insurance policy to bring a civil action in a U.S. district court against the insurer for the covered policy to recover proceeds due or, otherwise, to enforce any rights under the policy.

 The bill covers any policy that was: (1) in effect at any time from January 31, 1933, to December 31, 1945; and (2) issued to a policy holder domiciled in any area that was occupied or controlled by Nazi Germany, an ally or friendly government, or the territorial jurisdiction of Switzerland.

 The bill requires the award: (1) to a prevailing beneficiary of the amount of the proceeds due under the policy, plus prejudgment interest at 6% per year, compounded annually, calculated from the date the amount was originally due; and (2) of treble damages against any insurer that acted in bad faith.

 A civil action under this bill must be filed within 10 years after enactment of this bill.

 A prior judgment or release entered for any claim arising under a covered policy in any civil action in a federal or state court shall not impair a claim brought under this bill.

Any executive agreement between the United States and a foreign government or any executive foreign policy of the U.S. government shall not supercede or preempt any state law or compromise, settle, extinguish, waive, preclude, bar, or foreclose any claim brought under this bill.

 A claim brought under state law within 10 years after enactment of this billshall not be deemed untimely on the basis of any state or federal statute of limitations or on the basis of any other legal or equitable rule or doctrine governing timeliness.

holocaust insurance accountability_act bill allows beneficiary holocaust era life education annuity property insurance policy bring civil action district_court insurer covered policy recover proceeds enforce rights policy bill covers policy effect time january december issued policy holder domiciled area occupied controlled nazi germany ally friendly government territorial jurisdiction bill requires award prevailing beneficiary proceeds policy plus prejudgment interest year compounded annually calculated date originally treble damages insurer acted bad faith civil action bill filed years enactment bill prior judgment release entered claim arising covered policy civil action federal state court shall impair claim brought bill executive agreement united_states foreign government executive foreign policy government shall preempt state law compromise settle extinguish waive preclude bar foreclose claim brought bill claim brought state law years enactment deemed basis state federal statute limitations basis legal equitable rule doctrine governing timeliness


Summary:
Trafficking Survivors Relief Act of 2016

This bill amends the federal criminal code to establish a process to vacate convictions and expunge arrests for criminal offenses committed by trafficking victims that directly result from or relate to having been a trafficking victim.

A trafficking victim may file a motion to: (1) vacate a conviction for a nonviolent offense that does not include a child victim (i.e., under age 18); (2) expunge records of an arrest for a nonviolent offense that does not include a child victim; or (3) expunge records of an arrest for an offense that is violent or that includes a child victim, if the charges are reduced, dismissed, or disposed of.

trafficking survivors relief_act bill amends federal criminal code establish process vacate convictions arrests criminal offenses committed trafficking victims directly result relate having trafficking victim trafficking victim file motion vacate conviction nonviolent offense include child victim age records arrest nonviolent offense include child victim records arrest offense violent includes child victim charges reduced dismissed disposed


Summary:
Expresses the sense of Congress that, now that evidence is available that nullifies the most controversial aspects of the United Nations Fact Finding Mission on the Gaza Conflict (the Goldstone Report), the United Nations (U.N.) should formally retract the Report.

Directs the Secretary of State to withhold U.S. contributions to the regularly assessed U.N. biennial budget until the U.N. formally retracts the Report.

Defines "formally retracts" as a U.N.-adopted resolution stating that insufficient information relating to the Report's subject matter was available before its release and that the Report is annulled.

expresses sense congress evidence available nullifies controversial aspects united_nations fact finding mission gaza conflict report united_nations formally report directs secretary state withhold contributions regularly assessed biennial budget formally report defines formally resolution stating insufficient information relating report subject matter available release report


Summary:
Annual Report on United States Contributions to the United Nations Act

Requires the Director of the Office of Management and Budget (OMB) to report annually to Congress regarding all assessed and voluntary U.S. contributions to the United Nations (U.N.) and its affiliated agencies and related bodies during the previous fiscal year.

Requires the report to include:

 the total amount of all assessed and voluntary U.S. contributions to the U.N. and its affiliated agencies and related bodies; the approximate percentage of U.S. contributions to each such agency or body in a fiscal year when compared with all such contributions in that fiscal year; and the amount, description, and purpose of each contribution, the identity of the donating U.S. department or agency, and the identity of the recipient U.N. agency or body. Requires the first report to include information for the previous five fiscal years.

Requires OMB to post a public version of the report on a publicly available Internet website.

annual report united_states contributions united_nations act requires director office_of_management_and_budget omb report annually congress assessed voluntary contributions united_nations affiliated agencies related bodies previous fiscal year requires report include total assessed voluntary contributions affiliated agencies related bodies approximate percentage contributions agency body fiscal year compared contributions fiscal year description purpose contribution identity donating department agency identity recipient agency body requires report include information previous fiscal years requires omb post public version report publicly available internet website


Summary:
Block Arms to Iran Act of 2015

This bill declares that, of the amounts appropriated or otherwise made available for the Department of State for "Contributions to International Organizations" and available for contributions to the United Nations, 20% may not be obligated or expended for that purpose if the arms embargo on Iran pursuant to Security Council Resolutions 1747 and 1929 is lifted, reduced, or otherwise eased.

block arms iran act bill declares amounts appropriated available department_of_state contributions international organizations available contributions united_nations obligated expended purpose arms embargo iran pursuant security_council resolutions lifted reduced


Summary:
Limiting Contributions to the United Nations and Affiliated Organizations that Accord the Palestine Liberation Organization the Same Standing as Member States Act

This bill directs the Department of State to ensure that the use of federal funding supporting the United Nations Framework Convention on Climate Change, including the Green Climate Fund, complies with applicable federal law, including:

 provisions of the United Nations Participation Act of 1945 authorizing appropriations for the U.S. annual payment to the U.N. and for necessary salaries and expenses of U.S. representatives to the U.N., provisions of the Foreign Relations Authorization Act, Fiscal Years 1990 and 1991 prohibiting making funds authorized under such Act available to the U.N. or any specialized agency that accords the Palestine Liberation Organization the same standing as member states, and provisions of the Foreign Relations Authorization Act, Fiscal Years 1994 and 1995 prohibiting contributions to the U.N. or to any affiliated U.N. organization that grants full state membership to a group that does not have internationally recognized attributes of statehood.

limiting contributions united_nations affiliated organizations accord liberation organization standing member states act bill directs department_of_state ensure use federal funding supporting united_nations_framework_convention_on_climate_change including green climate fund complies applicable federal law including provisions united_nations participation act authorizing appropriations annual payment necessary salaries expenses representatives provisions foreign_relations_authorization_act fiscal years prohibiting making funds authorized act available specialized agency accords liberation organization standing member states provisions foreign_relations_authorization_act fiscal years prohibiting contributions affiliated organization grants state membership group internationally recognized attributes statehood


Summary:
(This measure has not been amended since it was introduced. The summary has been expanded because action occurred on the measure.)

(Sec. 1) This bill amends the International Organizations Immunities Act to authorize the President to extend the provisions of such Act to the Cooperation Council for the Arab States of the Gulf to the same extent, and subject to the same conditions, as may be extended to a public international organization in which the United States participates pursuant to any treaty or under the authority of any Act of Congress.

(The International Organization Immunities Act entitles covered international organizations and their employees to certain exemptions, immunities, and privileges similar to the benefits granted to foreign governments.)

measure amended introduced summary expanded action occurred measure sec bill amends international organizations immunities act authorize president extend provisions act cooperation council arab states gulf extent subject conditions extended public international organization united_states participates pursuant treaty authority act congress international organization immunities act entitles covered international organizations employees certain exemptions immunities privileges similar benefits granted foreign governments


Summary: Social Security KidSave Accounts Act - Amends title II (Old Age, Survivors and Disability Insurance) (OASDI) of the Social Security Act to create a new part B (KidSave Accounts). Directs the Commissioner of Social Security to establish in the name of each individual born on or after January 1, 2008, an individual retirement account in the Thrift Savings Fund known as a KidSave Account. Requires such Account to be treated in the same manner as an account maintained by a federal employee under the Federal Employees Retirement System (FERS) (into which contributions by or on behalf of the individual are deposited into one or more designated investment funds).Requires the Secretary of the Treasury to transfer from the Federal Old-Age and Survivors Insurance Trust Fund to each account holder's KidSave Account: (1) $2,000, on the date such individual's KidSave Account is established; plus (2) other, including rollover, contributions, by or on behalf of the individual, the aggregate amount of which in the case of any individual below age 19 is capped at $500 for any taxable year. Provides for the treatment of distributions.Amends the Internal Revenue Code to exclude from gross income any rollovers into a KidSave Account.

social_security accounts act_-_amends title old age survivors disability_insurance oasdi social_security_act create new accounts directs commissioner_of_social_security establish individual born january individual retirement account thrift_savings_fund known account requires account treated manner account maintained federal employee federal_employees_retirement_system fers contributions behalf individual deposited designated investment secretary treasury transfer federal_old-age_and_survivors_insurance_trust_fund account holder account date individual account established plus including rollover contributions behalf individual aggregate case individual age capped taxable year provides treatment distributions amends_the_internal_revenue_code exclude gross income rollovers account


Summary: Community Reinvestment Modernization Act of 2007 - Repeals specified revisions to regulations governing the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Director of the Office of Thrift Supervision. Reinstates banking agency regulations in effect before the publication of such revisions. Amends the Bank Holding Company Act of 1956 (BHCA) to subject to the Community Reinvestment Act of 1977 (CRA) nonbank affiliates of bank holding companies that engage in lending or offering banking products or services. Amends the CRA to require a rating reduction for a regulated financial institution engaged in negative credit practices, including predatory and discriminatory lending. States that securities companies, mortgage banks, and insurance companies have a continuing affirmative obligation to meet the financial services needs in their assessment areas, including those of low- and moderate-income neighborhoods and persons of modest means. Requires their affiliates to attain satisfactory ratings in accordance with this Act. Insurance Disclosure Act - Directs the Secretary of Housing and Urban Development to establish requirements for insurers to submit information annually regarding noncommercial insurance, rural insurance, and investments by insurers. Requires the Secretary to make such information public. Directs the Financial Institutions Examination Council to maintain a comprehensive database containing the hierarchical structure of financial holding companies, bank holding companies, depository institutions, and non-depository institutions. Amends the BHCA to allow certain expanded financial activities by a bank holding company only if it or its affiliate has neither: (1) been adjudicated in federal court; nor (2) entered into a consent decree or settlement agreement, premised upon a violation of the Fair Housing Act (antiredlining requirement). Requires: (1) public meetings regarding bank acquisitions and mergers; and (2) a period for public comment regarding branch closures. Amends the CRA to subject all regulated financial institutions, regardless of size or aggregate assets, to mandatory biennial examinations.

community reinvestment modernization act repeals specified revisions regulations governing comptroller_of_the_currency board_of_governors federal_reserve_system federal_deposit_insurance_corporation director office_of_thrift_supervision reinstates banking agency regulations effect publication revisions amends bank_holding_company_act subject community reinvestment act nonbank affiliates bank holding companies engage lending offering banking products services amends require rating reduction regulated financial institution engaged negative credit practices including predatory discriminatory lending states securities companies mortgage banks insurance companies continuing affirmative obligation meet financial_services needs assessment areas including low- moderate income neighborhoods persons means requires affiliates attain satisfactory ratings accordance act insurance disclosure act_-_directs secretary housing_and_urban_development establish requirements insurers submit information annually noncommercial insurance rural insurance investments insurers requires secretary information public directs financial institutions examination council maintain comprehensive database containing structure financial holding companies bank holding companies depository institutions non depository institutions amends allow certain expanded financial activities bank holding company affiliate adjudicated federal court entered consent decree settlement agreement violation fair housing act requirement requires public meetings bank acquisitions mergers period public comment branch closures amends subject regulated financial institutions regardless size aggregate assets mandatory biennial examinations