H.R. 9145 is like a special rulebook to make sure certain money watchdogs have enough money and helpers to do their jobs and stay independent, but it has to balance between having enough rules to use money wisely and the freedom to change when needed.

H.R. 8287 is like a rule that tells a group of people in charge of banks (the Federal Reserve) to make sure banks have enough money to be safe, even if things get tough. It also says they can't check how non-bank companies prepare for things related to weather changes, and someone must check every few years if these rules are working well.