Public Law 119-73 (01/23/2026)

12 U.S.C. § 2808

Effective date

(a)

In general

1

1 See References in Text note below.
1This chapter shall take effect on the one hundred and eightieth day beginning after . Any institution specified in section 2802(2)(A)  of this title which has total assets as of its last full fiscal year of $10,000,000 or less is exempt from the provisions of this chapter. The Bureau, in consultation with the Secretary, may exempt institutions described in section 2802(2)(B)  of this title that are comparable within their respective industries to institutions that are exempt under the preceding sentence (as determined without regard to the adjustment made by subsection (b)).

(b)

CPI adjustments

(1)

In general

1Subject to paragraph (2), the dollar amount applicable with respect to institutions described in section 2802(2)(A)  of this title under the 2d sentence of subsection (a) shall be adjusted annually after , by the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers published by the Bureau of Labor Statistics.

(2)

1-time adjustment for prior inflation

The first adjustment made under paragraph (1) after , shall be the percentage by which—
(A)
the Consumer Price Index described in such paragraph for the calendar year 1996, exceeds
(B)
such Consumer Price Index for the calendar year 1975.
(3)

Rounding

The dollar amount applicable under paragraph (1) for any calendar year shall be the amount determined in accordance with subparagraphs (A) and (B) of paragraph (2) and rounded to the nearest multiple of $1,000,000.

Pub. L. 94–200, title III, § 30989 Stat. 1128Pub. L. 102–242, title II, § 224(a)105 Stat. 2307Pub. L. 102–550, title XVI, § 1604(a)(15)106 Stat. 4083Pub. L. 104–208, div. A, title II, § 2225(a)110 Stat. 3009–415Pub. L. 111–203, title X, § 1094(1)124 Stat. 2097(, , ; , , ; , , ; , , ; , , .)

Editorial Notes

References in Text

Section 2802(2) of this titlesection 2802(3) of this titlePub. L. 111–203, title X, § 1094(2)(A)124 Stat. 2097, referred to in subsecs. (a) and (b)(1), was redesignated by , , .

Amendments

Pub. L. 111–2032010—Subsec. (a). substituted “Bureau” for “Board”.

Pub. L. 104–2081996— designated existing provisions as subsec. (a), inserted heading, inserted “(as determined without regard to the adjustment made by subsection (b))” before period at end, and added subsec. (b).

Pub. L. 102–550, § 1604(a)(15)Pub. L. 102–242, § 224(a)1992—, amended directory language of . See 1991 Amendment note below.

Pub. L. 102–242, § 224(a)Pub. L. 102–550, § 1604(a)(15)section 2802(2)(A) of this titlesection 2802(2)(B) of this title1991—, as amended by , struck out “depository” before “institution”, inserted “specified in ” after “institution”, and inserted at end: “The Board, in consultation with the Secretary, may exempt institutions described in that are comparable within their respective industries to institutions that are exempt under the preceding sentence.”

Statutory Notes and Related Subsidiaries

Effective Date of 2010 Amendment

Pub. L. 111–203section 1100H of Pub. L. 111–203section 552a of Title 5Amendment by effective on the designated transfer date, see , set out as a note under , Government Organization and Employees.

Effective Date of 1992 Amendment

Pub. L. 102–550Pub. L. 102–242section 1609(a) of Pub. L. 102–550section 191 of this titleAmendment by effective as if included in the Federal Deposit Insurance Corporation Improvement Act of 1991, , as of , see , set out as a note under .

Effective Date of 1991 Amendment

Pub. L. 102–242, title II, § 224(b)105 Stat. 2307

“This section [amending this section] shall become effective on .”
, , , provided that: