---
kind: "section"
citation: "12 C.F.R. § 145.92"
title: "12"
number: "145.92"
heading: "Branch offices."
url: "https://uscodex.org/cfr/12/145.92"
---

# §145.92. Branch offices.

- (a) **Definition.** A branch office of a Federal savings association (“you”) is any office other than your home office, agency office, administrative office, data processing office, or an electronic means or facility under [part 155](/cfr/12/part155.md) of this chapter.
- (b) **Branching.** Subject to the application and notice requirements at [§ 5.31](/cfr/12/5.31.md) of this chapter, you may branch in any state or states of the United States and its territories unless the location would violate:
  - (1) [Section 5(r)](/cfr/12/5.md?p=r) of the HOLA ([12 U.S.C. 1464(r)](/usc/12/1464.md?p=r));
  - (2) [Section 10(e)(3)](/cfr/12/10.md?p=e-3) of the HOLA ([12 U.S.C. 1467a(e)(3)](/usc/12/1467a.md?p=e-3)); or
  - (3) [Section 13(k)(4)](/cfr/12/13.md?p=k-4) of the FDIA ([12 U.S.C. 1823(k)(4)](/usc/12/1823.md?p=k-4)).
- (c) **Preemption.** This exercise of the OCC's authority is preemptive of any state law purporting to address the subject of branching by a Federal savings association.

## Notes

### Amendments

[76 FR 48999, Aug. 9, 2011, as amended at 80 FR 28480, May 18, 2015]

### Authority

Authority: 12 U.S.C. 1462a, 1463, 1464, 1828, 5412(b)(2)(B).

### Source

Source: 76 FR 48999, Aug. 9, 2011, unless otherwise noted.

### Amendments

[76 FR 48999, Aug. 9, 2011, as amended at 80 FR 28480, May 18, 2015]