; (3) in section 602(23) ( 12 U.S.C. 4001(23) ) by inserting American Samoa, the Commonwealth of the Northern Mariana Islands, after Puerto Rico, ; and (4) in section 603(d)(2)(A) ( 12 U.S.C. 4002(d)(2)(A) ), by inserting American Samoa, the Commonwealth of the Northern Mariana Islands, after Puerto Rico, . (b) Effective date This section shall take effect on January 1, 2017. F Small Bank Holding Company Policy Statement 526. Changes required to small bank holding company policy statement on assessment of financial and managerial factors (a) In general Before the end of the 6-month period beginning on the date of the enactment of this Act, the Board of Governors of the Federal Reserve System shall revise the Small Bank Holding Company Policy Statement on Assessment of Financial and Managerial Factors (12 C.F.R. part 225—appendix C) to raise the consolidated asset threshold under such policy statement from $1,000,000,000 (as adjusted by Public Law 113–250 ) to $10,000,000,000. (b) Conforming amendment Subparagraph (C) of section 171(b)(5) of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5371(b)(5) ) is amended to read as follows: (C) any bank holding company or savings and loan holding company that is subject to the application of the Small Bank Holding Company Policy Statement on Assessment of Financial and Managerial Factors of the Board of Governors (12 C.F.R. part 225—appendix C). . G Community Institution Mortgage Relief 531. Community financial institution mortgage relief (a) Exemption from escrow requirements for loans held by smaller creditors Section 129D of the Truth in Lending Act ( 15 U.S.C. 1639d ) is amended— (1) by adding at the end the following: (k) Safe harbor for loans held by smaller creditors (1) In general A creditor shall not be in violation of subsection (a) with respect to a loan if— (A) the creditor has consolidated assets of $10,000,000,000 or less