113 STAT. 1362 PUBLIC LAW 106-102—NOV. 12, 1999 the study required under subsection (a), together with such legislative and administrative proposals as the Board and the Secretary may determine to be appropriate. (c) DEFINITIONS.—For purposes of subsection (a), the following definitions shall apply: (1) BANK HOLDING COMPANY. —The term "bank holding company has the meaning given the term in section 2 of the Bank Holding Company Act of 1956. (2) INSURED DEPOSITORY INSTITUTION.—The term "insured depository institution" has the meaning given the term in section 3(c) of the Federal Deposit Insurance Act. (3) SUBORDINATED DEBT.—The term "subordinated debt" means unsecured debt that— (A) has an original weighted average maturity of not less than 5 years; \^ (B) is subordinated as to payment of principal and interest to all other indebtedness of the bank, including ' deposits; (C) is not supported by any form of credit enhancement, including a guarantee or standby letter of credit; and (D) is not held in whole or in part by any affiliate or institution-affiliated party of the insured depository institution or bank holding company. 12 USC 252 note. SEC. 109. STUDY OF FINANCIAL MODERNIZATION'S EFFECT ON THE ACCESSIBILITY OF SMALL BUSINESS AND FARM LOANS. (a) STUDY.— The Secretary of the Treasury, in consultation with the Federal bsmking agencies (as defined in section 3(z) of the Federal Deposit Insurance Act), shall conduct a study of the extent to which credit is being provided to and for small businesses and farms, as a result of this Act and the amendments made by this Act. (b) REPORT. —Before the end of the 5-year period beginning on the date of the enactment of this Act, the Secretary, in consultation with the Federal banking agencies, shall submit a report to the Congress on the study conducted pursuant to subsection (a) and shall include such recommendations as the Secretary determines to be appropriate for administrative and legislative action. Subtitle B—Streamlining Supervision of Bank Holding Companies SEC. 111. STREAMLINING BANK HOLDING COMPANY SUPERVISION. Section 5(c) of the Bank Holding Company Act of 1956 (12 U.S.C. 1844(c)) is amended to read as follows: " (c) REPORTS AND EXAMINATIONS. — " (1) REPORTS. — "(A) IN GENERAL.— The Board, from time to time, may require a bank holding company and any subsidiary of such company to submit reports under oath to keep the Board informed as to— "(i) its financial condition, systems for monitoring . and controlling financial and operating risks, and
- transactions with depository institution subsidiaries of
the bank holding company; and
�
