This amendment strikes a provision that would allow the OCC to siphon funds the FDIC raises through examination fees on state-chartered banks, to subsidize the cost of examination of the bigger, nationally-chartered banks. This is nothing more than an unearned subsidy for nationally-chartered banks. This provision does not enhance safety and soundness or improve the FDIC’s ability to manage the deposit insurance fund. It will make the state-charter less attractive. It is opposed by our community banks and by our state banking regulator. Our community banks shouldn’t be subsidizing the big national banks. This will prevent increased fees and charges on households and businesses that bank with our community banks.