---
kind: "section"
citation: "12 C.F.R. § 225.94"
title: "12"
number: "225.94"
heading: "What are the consequences of an insured branch or depository institution failing to maintain a satisfactory or better rating under the Community Reinvestment Act?"
url: "https://uscodex.org/cfr/12/225.94"
---

# §225.94. What are the consequences of an insured branch or depository institution failing to maintain a satisfactory or better rating under the Community Reinvestment Act?

- (a) **Insured branch as an “insured depository institution.”—** A U.S. branch of a foreign bank that is insured by the Federal Deposit Insurance Corporation shall be treated as an “insured depository institution” for purposes of [§ 225.84](/cfr/12/225.84.md).
- (b) **Applicability.** The provisions of [§ 225.84](/cfr/12/225.84.md), with the modifications contained in this section, shall apply to a foreign bank that operates an insured branch referred to in [paragraph (a)](#a) of this section or an insured depository institution in the United States, and any company that owns or controls such a foreign bank, that has made an effective election under [§ 225.92](/cfr/12/225.92.md) in the same manner and to the same extent as they apply to a financial holding company.

## Notes

### Source

Source: Reg. Y, 66 FR 415, Jan. 3, 2001, unless otherwise noted.

### Authority

Authority: 12 U.S.C. 1817(j)(13), 1818, 1828(o), 1831i, 1831p-1, 1843(c)(8), 1844(b), 1972(1), 3106, 3108, 3310, 3331-3351, 3354, 3906, 3907, and 3909; 15 U.S.C. 1681s, 1681w, 6801 and 6805.

### Source

Source: Reg. Y, 49 FR 818, Jan. 5, 1984, unless otherwise noted.