This title is also known as the Bank and Savings Association Holding Company and Depository Institution Regulatory Improvements Act of 2010.

This article discusses the key provisions of Title VI.

Government accountability office study of exceptions under the bank holding company act of 1956

The Comptroller General of the United States shall carry out a study to determine whether it is necessary, in order to strengthen the safety and soundness of institutions or the stability of the financial system. It will undertake a study that describes the size and geographic locations of the institutions. It will determine the extent to which these institutions are held by holding companies that are commercial firms. It will also ascertain whether the institutions have any affiliates that are commercial firms. It will also help identify the Federal banking agency responsible for the supervision of the institutions. They will be responsible to determine the adequacy of the Federal bank regulatory framework applicable to each category of institution, the holding company of the institution, and any other affiliate of the institution.

The study will evaluate the potential consequences of subjecting the institutions to the requirements of the Bank Holding Company Act of 1956, including with respect to the availability and allocation of credit, the stability of the financial system and the economy, the safe and sound operation of each category of institution, and the impact on the types of activities in which such institutions, and the holding companies of such institutions, may engage.

Savings Associations

With respect to institutions , the study required will determine the adequacy of the Federal bank regulatory framework applicable to such institutions ,including any restrictions (including limitations on affiliate transactions or cross-marketing) that apply to transactions between an institution, the holding company of the institution, and any other affiliate of the institution. The study will evaluate the potential consequences of subjecting the institutions to the requirements of the Bank Holding Company Act of 1956, including with respect to the availability and allocation of credit, the stability of the financial system and the economy.

A report of the same will be presented no later than 18 months of enactment of the Act. This report will be submitted by the Comptroller General to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House.

Where available the Board will use: