; and (B) by inserting and by the affirmative vote of not less than nine presidents of the Federal reserve banks after five members ; (2) in subparagraph (B)— (A) in clause (i), by inserting at the end the following: Federal reserve banks may not accept equity securities issued by the recipient of any loan or other financial assistance under this paragraph as collateral. Not later than 6 months after the date of enactment of this sentence, the Board shall, by rule, establish— (I) a method for determining the sufficiency of the collateral required under this paragraph; (II) acceptable classes of collateral; (III) the amount of any discount on the value of the collateral that the Federal reserve banks will apply for purposes of calculating the sufficiency of collateral under this paragraph; and (IV) a method for obtaining independent appraisals of the value of collateral the Federal reserve banks receive. ; and (B) in clause (ii)— (i) by striking the second sentence; and (ii) by inserting after the first sentence the following: A borrower shall not be eligible to borrow from any emergency lending program or facility unless the Board and all Federal banking regulators with jurisdiction over the borrower certify that, at the time the borrower initially borrows under the program or facility, the borrower is not insolvent. ; (3) by inserting financial institution before participant each place such term appears; (4) in subparagraph (D)(i), by inserting financial institution before participants