This amendment would prohibit the largest banks from growing even larger by purchasing thrift assets. A loophole currently exists that allows banks to break through the nationwide 10% deposit cap that was put in place in the Riegle Neal Interstate Branching Act of 1994 by purchasing thrift assets. This amendment would close that loophole. This will help prevent the big banks from growing even bigger by closing this loophole. This amendment strengthens the goal of preventing entities from becoming “Too-Big-to-Fail”.