US Code

Public Law 119-73 (01/23/2026)

12 U.S.C. § 2902

Definitions

For the purposes of this chapter—
(1)
the term “appropriate Federal financial supervisory agency” means—
(A)
the Comptroller of the Currency with respect to national banks and Federal savings associations (the deposits of which are insured by the Federal Deposit Insurance Corporation);
(B)
the Board of Governors of the Federal Reserve System with respect to State chartered banks which are members of the Federal Reserve System, bank holding companies, and savings and loan holding companies;
(C)
1
1 So in original. The period probably should be a semicolon.
the Federal Deposit Insurance Corporation with respect to State chartered banks and savings banks which are not members of the Federal Reserve System and the deposits of which are insured by the Corporation, and State savings associations (the deposits of which are insured by the Federal Deposit Insurance Corporation).
(2)
section 1813 of this title the term “regulated financial institution” means an insured depository institution (as defined in ); and
(3)
the term “application for a deposit facility” means an application to the appropriate Federal financial supervisory agency otherwise required under Federal law or regulations thereunder for—
(A)
a charter for a national bank or Federal savings and loan association;
(B)
deposit insurance in connection with a newly chartered State bank, savings bank, savings and loan association or similar institution;
(C)
the establishment of a domestic branch or other facility with the ability to accept deposits of a regulated financial institution;
(D)
the relocation of the home office or a branch office of a regulated financial institution;
(E)
section 1828(c) of this title2
2 See References in Text note below.
12 U.S.C. 1724 the merger or consolidation with, or the acquisition of the assets, or the assumption of the liabilities of a regulated financial institution requiring approval under or under regulations issued under the authority of title IV  of the National Housing Act [ et seq.]; or
(F)
section 1842 of this title212 U.S.C. 1730a(e) the acquisition of shares in, or the assets of, a regulated financial institution requiring approval under or section 408(e)  of the National Housing Act [].
(4)
A financial institution whose business predominately consists of serving the needs of military personnel who are not located within a defined geographic area may define its “entire community” to include its entire deposit customer base without regard to geographic proximity.

Pub. L. 95–128, title VIII, § 80391 Stat. 1147Pub. L. 95–630, title XV, § 150292 Stat. 3713Pub. L. 101–73, title VII, § 744(q)103 Stat. 440Pub. L. 111–203, title III, § 358(1)124 Stat. 1548(, , ; , , ; , title XII, § 1212(a), , , 526; , , .)

Editorial Notes

References in Text

act June 27, 1934, ch. 84748 Stat. 1246Pub. L. 101–73, title IV, § 407103 Stat. 363section 1730a of this titlesection 407 of Pub. L. 101–73section 1701 of this titleThe National Housing Act, referred to in par. (3)(E), (F), is , . Title IV of the National Housing Act which was classified generally to subchapter IV (§ 1724 et seq.) of chapter 13 of this title, was repealed by , , . Section 408 of the National Housing Act, which was classified to , was also repealed by . For complete classification of this Act to the Code, see and Tables.

Amendments

Pub. L. 111–203, § 358(1)(A)(i)Par. (1)(A). , inserted “and Federal savings associations (the deposits of which are insured by the Federal Deposit Insurance Corporation)” after “banks”.

Pub. L. 111–203, § 358(1)(A)(ii)Par. (1)(B). , substituted “, bank holding companies, and savings and loan holding companies” for “and bank holding companies”.

Pub. L. 111–203, § 358(1)(A)(iii)Par. (1)(C). , substituted “, and State savings associations (the deposits of which are insured by the Federal Deposit Insurance Corporation).” for “; and”.

Pub. L. 111–203, § 358(1)(B)section 1818 of this titlePar. (2). , struck out par. (2) relating to the Director of the Office of Thrift Supervision which read as follows: “, by the Director of the Office of Thrift Supervision, in the case of a savings association (the deposits of which are insured by the Federal Deposit Insurance Corporation) and a savings and loan holding company;”.

Pub. L. 101–73, § 744(q)1989—Par. (1)(D). , directed the general amendment of par. (1)(D) but then set out “(2)” followed by the text of the new provisions. Prior to amendment, par. (1)(D) read as follows: “the Federal Home Loan Bank Board with respect to institutions the deposits of which are insured by the Federal Savings and Loan Insurance Corporation and to savings and loan holding companies;”.

Pub. L. 101–73, § 1212(a)section 1813 of this titlesection 1813 of this titlePar. (2). , substituted “insured depository institution (as defined in )” for “insured bank as defined in or an insured institution as defined in section 401 of the National Housing Act”.

Pub. L. 95–6301978—Par. (4). added par. (4).

Statutory Notes and Related Subsidiaries

Effective Date of 2010 Amendment

Pub. L. 111–203section 351 of Pub. L. 111–203section 906 of Title 2Amendment by effective on the transfer date, see , set out as a note under , The Congress.

Effective Date of 1978 Amendment

Pub. L. 95–630section 1505 of Pub. L. 95–630section 27 of this titleAmendment by effective , see , set out as a note under .