; (B) does not engage in swaps or security-based swaps, other than swaps or security-based swaps referencing interest rates or foreign exchange swaps; and (C) has a total notional exposure of swaps and security-based swaps of not more than $8,000,000,000. (14) Other banking terms The terms insured depository institution and depository institution holding company have the meaning given those terms, respectively, under section 3 of the Federal Deposit Insurance Act. (15) Other capital terms With respect to a banking organization, the terms additional tier 1 capital and common equity tier 1 capital have the meaning given such terms, respectively, under section 3.20, 217.20, or 324.20 of title 12, Code of Federal Regulations, as applicable, as in effect on the date of the enactment of this Act. VII Empowering Americans to Achieve Financial Independence A Separation of Powers and Liberty Enhancements 711. Consumer Law Enforcement Agency (a) Making the Bureau an independent Consumer Law Enforcement Agency The Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5481 et seq.) is amended— (1) in section 1011— (A) in the heading of such section, by striking BUREAU OF CONSUMER FINANCIAL PROTECTION and inserting Consumer Law Enforcement Agency ; (B) in subsection (a)— (i) in the heading of such subsection, by striking Bureau and inserting Agency ; (ii) by striking in the Federal Reserve System, ; (iii) by striking independent bureau and inserting independent agency ; and (iv) by striking Bureau of Consumer Financial Protection and inserting Consumer Law Enforcement Agency (hereinafter in this section referred to as the Agency ) ; (C) in subsection (b)(5), by amending subparagraph (A) to read as follows: (A) shall be appointed by the President; and ; (D) in subsection (c), by striking paragraph (3); (E) in subsection (e), by striking , including in cities in which the Federal reserve banks, or branches of such banks, are located, ; and (F) by striking Bureau each place such term appears and inserting Agency