Company Flexibility and Growth Sec. 497. Shareholder threshold for registration. Subtitle U—Small Company Capital Formation Enhancements Sec. 498. JOBS Act-related exemption. Subtitle V—Encouraging Public Offerings Sec. 499. Expanding testing the waters and confidential submissions. Title V—Regulatory Relief for Main Street and Community Financial Institutions Subtitle A—Preserving Access to Manufactured Housing Sec. 501. Mortgage originator definition. Sec. 502. High-Cost mortgage definition. Subtitle B—Mortgage Choice Sec. 506. Definition of points and fees. Subtitle C—Financial Institution Customer Protection Sec. 511. Requirements for deposit account termination requests and orders. Sec. 512. Amendments to the Financial Institutions Reform, Recovery, and Enforcement Act of 1989. Subtitle D—Portfolio Lending and Mortgage Access Sec. 516. Safe harbor for certain loans held on portfolio. Subtitle E—Application of the Expedited Funds Availability Act Sec. 521. Application of the Expedited Funds Availability Act. Subtitle F—Small Bank Holding Company Policy Statement Sec. 526. Changes required to small bank holding company policy statement on assessment of financial and managerial factors. Subtitle G—Community Institution Mortgage Relief Sec. 531. Community financial institution mortgage relief. Subtitle H—Financial Institutions Examination Fairness and Reform Sec. 536. Timeliness of examination reports. Subtitle I—National Credit Union Administration Budget Transparency Sec. 541. Budget transparency for the NCUA. Subtitle J—Taking Account of Institutions with Low Operation Risk Sec. 546. Regulations appropriate to business models. Subtitle K—Federal Savings Association Charter Flexibility Sec. 551. Option for Federal savings associations to operate as a covered savings association. Subtitle L—SAFE Transitional Licensing Sec. 556. Eliminating barriers to jobs for loan originators. Subtitle M—Right to Lend Sec. 561. Small business loan data collection requirement. Subtitle N—Community Bank Reporting Relief