depository institution
Defined in 20 places across 3 titles of the United States Code.
“depository institution” has the meaning stated in clauses (i) through (vi) of section 19(b)(1)(A) of the Federal Reserve Act and also includes a foreign bank, an agency or branch of a foreign bank, and a commercial lending company owned or controlled by a foreign bank (as such terms are defined in the International Banking Act of 1978).
Same definition in 2 sections
- 1994–present31 U.S.C. § 3121Money and Finance · Procedure · under this chapter
- 1994–present31 U.S.C. § 9110Money and Finance · Standards for depository institutions holding securities of a Government-sponsored corporation for customers · under this section
Depository Institution Defined.—For purposes of this section, the term "depository institution"—
(1) has the meaning given to such term in section 19(b)(1)(A) of the Federal Reserve Act; and
(2) includes—
(A) any branch, agency, or commercial lending company (as such terms are defined in section 1(b) of the International Banking Act of 1978);
(B) any corporation chartered under section 25A of the Federal Reserve Act; and
(C) any corporation having an agreement or undertaking with the Board of Governors of the Federal Reserve System under section 25 of the Federal Reserve Act.
Source
- 1994–present31 U.S.C. § 5313Money and Finance · Reports on domestic coins and currency transactions · for purposes of this section
Depository Institution Defined.—For purposes of this section, the term “depository institution” means any financial institution described in subparagraph (A), (B), (C), (D), (E), or (F) of section 5312(a)(2).
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- 1994–present31 U.S.C. § 5327Money and Finance · Repealed. Pub. L. 104208, div. A, title II, 2223(1), Sept. 30, 1996, 110 Stat. 3009415] · for purposes of this section
Depository institution.—The term “depository institution” means any bank or savings association.
Source
- 1994–200812 U.S.C. § 1813Banks and Banking · Definitions · as used in this chapter
For purposes of this section, the term “depository institution”—
(1) has the meaning given to such term in section 19(b)(1)(A) of the Federal Reserve Act; and
(2) includes—
(A) any branch, agency, or commercial lending company (as such terms are defined in section 1(b) of the International Banking Act of 1978);
(B) any corporation chartered under section 25A of the Federal Reserve Act; and
(C) any corporation having an agreement or undertaking with the Board of Governors of the Federal Reserve System under section 25 of the Federal Reserve Act.
Source
- 201331 U.S.C. § 5313Money and Finance · Reports on domestic coins and currency transactions · for purposes of this section
For purposes of this section, the term "depository institution" means—
Source
- 1994–present12 U.S.C. § 1832Banks and Banking · Withdrawals by negotiable or transferable instruments for transfers to third parties · for purposes of this section
For purposes of this section, the term “depository institution” means—
(1) any insured bank as defined in section 1813 of this title;
(2) any State bank as defined in section 1813 of this title;
(3) any mutual savings bank as defined in section 1813 of this title;
(4) any savings bank as defined in section 1813 of this title;
(5) any insured institution as defined in section 1724 1 of this title; and
(6) any building and loan association or savings and loan association organized and operated according to the laws of the State in which it is chartered or organized; and, for purposes of this paragraph, the term “State” means any State of the United States, the District of Columbia, any territory of the United States, Puerto Rico, Guam, American Samoa, or the Virgin Islands.
Source
- 201312 U.S.C. § 1832Banks and Banking · Withdrawals by negotiable or transferable instruments for transfers to third parties · for purposes of this section
For purposes of this subsection, the terms “depository institution”, “insured depository institution”, “national bank”, and “State bank” have the meanings given those terms in section 1813 of this title.
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- 1999–present12 U.S.C. § 30Banks and Banking · Change of name or location · in this section
The provisions of the constitution or law of any State expressly limiting the rate or amount of interest which may be charged, taken, received, or reserved shall not apply to any deposit or account held by, or other obligation of a depository institution. For purposes of this paragraph, the term “depository institution” means—
(i) any insured bank as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(ii) any mutual savings bank as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(iii) any savings bank as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(iv) any insured credit union as defined in section 101 of the Federal Credit Union Act (12 U.S.C. 1752);
(v) any member as defined in section 2 of the Federal Home Loan Bank Act (12 U.S.C. 1422); and
(vi) any insured institution as defined in section 408 1 of the National Housing Act (12 U.S.C. 1730a).
Source
- 1994–present12 U.S.C. § 1735FBanks and Banking · State constitution or laws limiting mortgage interest, discount points, and finance or other charges; exemption for obligations made after March 31, 1980 · in this section
The term “depository institution”—
(A) has the meaning given the term in section 1813 of title 12; and
(B) includes any foreign bank that maintains a branch, agency, or commercial lending company in the United States.
Source
- 1999–present15 U.S.C. § 6701Commerce and Trade · Operation of State law · for purposes of this section
the term “depository institution”—
(A) means—
(i) any bank (as defined in section 1813(a)(1) of this title);
(ii) any savings association (as defined in section 1813(b)(1) of this title); and
(iii) any credit union,
(B) includes any other lending institution (as defined in paragraph (4) 1) other than any institution described in subparagraph (A);
Source
- 201312 U.S.C. § 2802Banks and Banking · Definitions · for purposes of this chapter
the term "depository institution"—
(A) means—
(i) any bank (as defined in section 1813(a)(1) of this title);
(ii) any savings association (as defined in section 1813(b)(1) of this title); and
(iii) any credit union,
which makes federally related mortgage loans as determined by the Board; and
(B) includes any other lending institution (as defined in paragraph (4) 1) other than any institution described in subparagraph (A);
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- 2012–present12 U.S.C. § 2802Banks and Banking · Definitions · for purposes of this chapter
the term “depository institution”—
(A) means—
(i) any bank (as defined in section 1813(a)(1) of this title);
(ii) any savings association (as defined in section 1813(b)(1) of this title); and
(iii) any credit union,
which makes federally related mortgage loans as determined by the Board; and
(B) includes any other lending institution (as defined in paragraph (4)) other than any institution described in subparagraph (A);
Source
- 1994–201212 U.S.C. § 2802Banks and Banking · Definitions · for purposes of this chapter
The term “depository institution” has the meaning as in section 1813 of title 12.
Source
- 2015–present15 U.S.C. § 6764Commerce and Trade · Coordination with other regulators · for purposes of this subchapter
The term “depository institution” has the meaning given such term in clauses (i) through (vi) of section 461(b)(1)(A) of this title.
Source
- 1994–199612 U.S.C. § 4313Banks and Banking · Definitions · for the purposes of this chapter
The term “depository institution” has the meaning given such term in clauses (i) through (vi) of section 461(b)(1)(A) of this title, but does not include any nonautomated credit union that was not required to comply with the requirements of this chapter 1 as of September 30, 1996, pursuant to the determination of the National Credit Union Administration Board.
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- 1996–201112 U.S.C. § 4313Banks and Banking · Definitions · for the purposes of this chapter
The term "depository institution" has the meaning given such term in clauses (i) through (vi) of section 461(b)(1)(A) of this title, but does not include any nonautomated credit union that was not required to comply with the requirements of this chapter 1 as of September 30, 1996, pursuant to the determination of the National Credit Union Administration Bureau.2
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- 2011–present12 U.S.C. § 4313Banks and Banking · Definitions · for the purposes of this chapter
The term “depository institution” has the meaning given such term in clauses (i) through (vi) of section 461(b)(1)(A) of this title. Such term also includes an office, branch, or agency of a foreign bank located in the United States.
Source
- 1994–present12 U.S.C. § 4001Banks and Banking · Definitions · for purposes of this chapter
The term “depository institution” includes—
(A) any entity described in section 461(b)(1)(A)(iv) of this title; and
(B) any entity that, as determined by the Bureau—
(i) is engaged in the business of receiving deposits; and
(ii) could reasonably be mistaken for a depository institution by the entity’s current or prospective customers.
Source
- 2011–present12 U.S.C. § 1831TBanks and Banking · Depository institutions lacking Federal deposit insurance · for purposes of this section
The term “depository institution” includes—
(A) any entity described in section 461(b)(1)(A)(iv) of this title; and
(B) any entity that, as determined by the Federal Trade Commission—
(i) is engaged in the business of receiving deposits; and
(ii) could reasonably be mistaken for a depository institution by the entity's current or prospective customers.
Source
- 1994–201112 U.S.C. § 1831TBanks and Banking · Depository institutions lacking Federal deposit insurance · for purposes of this section
the term “depository institution” includes an uninsured branch or agency of a foreign bank, if such branch or agency is located in any State; and
Source
- 2004–present12 U.S.C. § 1820Banks and Banking · Administration of Corporation · under this chapter
The term “depository institution” means—
(A) a depository institution as defined in section 19(b)(1)(A) of the Federal Reserve Act [12 U.S.C. 461(b)(1)(A)] (other than clause (vii));
(B) a branch or agency as defined in section 1(b) of the International Banking Act of 1978 [12 U.S.C. 3101];
(C) a corporation chartered under section 25(a) 1 of the Federal Reserve Act [12 U.S.C. 611 et seq.]; or
(D) a corporation having an agreement or undertaking with the Board of Governors of the Federal Reserve System under section 25 of the Federal Reserve Act [12 U.S.C. 601 et seq.].
Source
- 1994–200512 U.S.C. § 4402Banks and Banking · Definitions · for purposes of this subchapter
The term "depository institution" means—
(A) a depository institution as defined in section 19(b)(1)(A) of the Federal Reserve Act [12 U.S.C. 461(b)(1)(A)] (other than clause (vii));
(B) an uninsured national bank or an uninsured State bank that is a member of the Federal Reserve System, if the national bank or State member bank is not eligible to make application to become an insured bank under section 1815 of this title;
(C) a branch or agency of a foreign bank, a foreign bank and any branch or agency of the foreign bank, or the foreign bank that established the branch or agency, as those terms are defined in section 1(b) of the International Banking Act of 1978 [12 U.S.C. 3101];
(D) a corporation chartered under section 25(a) 1 of the Federal Reserve Act [12 U.S.C. 611 et seq.]; or
(E) a corporation having an agreement or undertaking with the Board of Governors of the Federal Reserve System under section 25 of the Federal Reserve Act [12 U.S.C. 601 et seq.].
Source
- 2005–present12 U.S.C. § 4402Banks and Banking · Definitions · for purposes of this subchapter
the term “depository institution” means a commercial bank, a savings bank, a trust company, a savings and loan association, a building and loan association, a homestead association, a cooperative bank, an industrial bank, or a credit union;
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- 1994–present12 U.S.C. § 3201Banks and Banking · Definitions · as used in this chapter
the term “depository institution” means an insured bank, financial institution subject to examination by the Federal Home Loan Bank Board or the National Credit Union Administration Board, or a financial institution the accounts or deposits of which are insured or guaranteed under State law and are eligible to be insured by the Federal Deposit Insurance Corporation, the Federal Savings and Loan Insurance Corporation, or the National Credit Union Administration Board;
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- 1994–200612 U.S.C. § 1861Banks and Banking · Short title and definitions · in this section
The term “depository institution” means any bank or savings association.
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- 2008–present12 U.S.C. § 1813Banks and Banking · Definitions · as used in this chapter
the term “depository institution” means, except when such term appears in connection with the term “insured depository institution”, an insured bank, a savings association, a financial institution subject to examination by the appropriate Federal banking agency or the National Credit Union Administration Board, or a financial institution the accounts or deposits of which are insured or guaranteed under State law and are eligible to be insured by the Federal Deposit Insurance Corporation or the National Credit Union Administration Board;
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- 2013–present12 U.S.C. § 1861Banks and Banking · Short title and definitions · in this section
the term “depository institution” means, except when such term appears in connection with the term “insured depository institution”, an insured bank, a savings association, financial institution subject to examination by the appropriate Federal banking agency or the National Credit Union Administration Board, or a financial institution the accounts or deposits of which are insured or guaranteed under State law and are eligible to be insured by the Federal Deposit Insurance Corporation or the National Credit Union Administration Board;
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- 2011–201312 U.S.C. § 1861Banks and Banking · Short title and definitions · in this section
the term “depository institution” means, except when such term appears in connection with the term “insured depository institution”, an insured bank, financial institution subject to examination by the Director of the Office of Thrift Supervision or the National Credit Union Administration Board, or a financial institution the accounts or deposits of which are insured or guaranteed under State law and are eligible to be insured by the Federal Deposit Insurance Corporation, the Federal Savings and Loan Insurance Corporation, or the National Credit Union Administration Board;
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- 2006–201112 U.S.C. § 1861Banks and Banking · Short title and definitions · in this section
The term “depository institution” means—
(i) any insured bank as defined in section 3 of the Federal Deposit Insurance Act [12 U.S.C. 1813] or any bank which is eligible to make application to become an insured bank under section 5 of such Act [12 U.S.C. 1815];
(ii) any mutual savings bank as defined in section 3 of the Federal Deposit Insurance Act or any bank which is eligible to make application to become an insured bank under section 5 of such Act;
(iii) any savings bank as defined in section 3 of the Federal Deposit Insurance Act or any bank which is eligible to make application to become an insured bank under section 5 of such Act;
(iv) any insured credit union as defined in section 1752 of this title or any credit union which is eligible to make application to become an insured credit union pursuant to section 1781 of this title;
(v) any member as defined in section 1422 of this title;
(vi) any savings association (as defined in section 3 of the Federal Deposit Insurance Act [12 U.S.C. 1813]) which is an insured depository institution (as defined in such Act [12 U.S.C. 1811 et seq.]) or is eligible to apply to become an insured depository institution under the Federal Deposit Insurance Act; and
(vii) for the purpose of sections 248–1, 342 to 347, 347c, 347d, and 372 of this title, any association or entity which is wholly owned by or which consists only of institutions referred to in clauses (i) through (vi).
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- 1994–present12 U.S.C. § 461Banks and Banking · Reserve requirements · for the purposes of this section
The terms “appropriate Federal banking agency”, “depository institution”, “insured bank”, and “insured depository institution” have the meanings given those terms in section 1813 of this title.
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- 1999–present12 U.S.C. § 24ABanks and Banking · Financial subsidiaries of national banks · for purposes of this section