“ Applicability of certain civil service laws.— The Director and staff of the Commission may be appointed without regard to the provisions of title 5, United States Code, governing appointments in the competitive service, and may be paid without regard to the provisions of chapter 51 and subchapter III of chapter 53 of such title relating to classification and General Schedule pay rates, except that no rate of pay fixed under this paragraph may exceed the equivalent of that payable for a position at level V of the Executive Schedule under section 5316 of title 5, United States Code. ”

“ Limitation.— No person who is a member of Congress or an officer or employee of the Federal Government or any State or local government may serve as a member of the Commission. (3) Chairperson; Vice Chairperson.— (A) In General.— Subject to the requirements of subparagraph (B) , the Chairperson of the Commission shall be selected jointly by the Majority Leader of the Senate and the Speaker of the House of Representatives, and the Vice Chairperson shall be selected jointly by the Minority Leader of the Senate and the Minority Leader of the House of Representatives. ”

“ In general.—Any employee, contractor, or agent shall be entitled to all relief necessary to make that employee, contractor, or agent whole, if that employee, contractor, or agent is discharged, demoted, suspended, threatened, harassed, or in any other manner discriminated against in the terms and conditions of employment because of lawful acts done by the employee, contractor, or agent on behalf of the employee, contractor, or agent or associated others in furtherance of other efforts to stop 1 or more violations of this subchapter. ”

“ Funds for Training and Research.— Funds authorized to be appropriated under this section may be used and expended for programs for improving the detection, investigation, and prosecution of economic crime including financial fraud and mortgage fraud. Funds allocated under this section may be allocated to programs which assist State and local criminal justice agencies to develop, establish, and maintain intelligence-focused policing strategies and related information sharing ”

“ False Statements in Mortgage Applications Amended to Include False Statements by Mortgage Brokers and Agents of Mortgage Lending Businesses.— Section 1014 of title 18, United States Code, is amended by— (1) striking ``or ́ ́ after ``the International Banking Act of 1978) , ́ ́; and (2) inserting after ``section 25 (a) of the Federal Reserve Act ́ ́ the following: ``, or a mortgage lending business, or any person or entity that makes in whole or in part a federally related mortgage loan as defined in section 3 of the Real Estate Settlement Procedures Act of 1974 ́ ́. ”

“ Federal and State financial regulators, including the extent to which they enforced, or failed to enforce statutory, regulatory, or supervisory requirements; (C) the global imbalance of savings, international capital flows, and fiscal imbalances of various governments ”