---
kind: "section"
citation: "12 U.S.C. § 215a–1"
title: "12"
title_heading: "Banks and Banking"
number: "215a–1"
heading: "Interstate consolidations and mergers"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/12/215a-1"
units:
  - "Chapter 2 — National Banks"
  - "Subchapter XVI — Consolidation and Merger"
---

# §215a–1. Interstate consolidations and mergers

- (a) **In general—** A national bank may engage in a consolidation or merger under this subchapter with an out-of-[State bank](/usc/12/215b.md?p=1) if the consolidation or merger is approved pursuant to [section 1831u of this title](/usc/12/1831u.md).
- (b) **Scope of application—** [Subsection (a)](#a) shall not apply with respect to any consolidation or merger before June 1, 1997, unless the home [State](/usc/12/215b.md?p=2) of each bank involved in the transaction has in effect a law described in [section 1831u(a)(3) of this title](/usc/12/1831u.md?p=a-3).
- (c) **Definitions—** The terms “home [State](/usc/12/215b.md?p=2)” and “out-of-[State bank](/usc/12/215b.md?p=1)” have the same meaning as in [section 1831u(f)](/usc/12/1831u.md?p=f)[^1] of this title.

## Footnotes

[^1]: See References in Text note below.

## Source credit

(Nov. 7, 1918, ch. 209, § 4, as added Pub. L. 103–328, title I, § 102(b)(4)(D), Sept. 29, 1994, 108 Stat. 2351.)

## Notes

### Editorial Notes

### References in Text

Section 1831u of this title, referred to in subsec. (c), was subsequently amended, and subsec. (f) of section 1831u no longer defines the terms “home State” and “out-of-State bank”. However, such terms are defined elsewhere in that section.