---
kind: "section"
citation: "12 U.S.C. § 3106a"
title: "12"
title_heading: "Banks and Banking"
number: "3106a"
heading: "Compliance with State and Federal laws"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/12/3106a"
units:
  - "Chapter 32 — Foreign Bank Participation in Domestic Markets"
---

# §3106a. Compliance with State and Federal laws

- (1) Every [branch](/usc/12/3101.md?p=3) or [agency](/usc/12/3101.md?p=1) of a [foreign bank](/usc/12/3101.md?p=7) and every [commercial lending company](/usc/12/3101.md?p=9) [controlled](/usc/12/3101.md?p=13) by one or more [foreign banks](/usc/12/3101.md?p=7) or by one or more foreign [companies](/usc/12/3101.md?p=13) that [control](/usc/12/3101.md?p=13) a [foreign bank](/usc/12/3101.md?p=7) shall conduct its operations in the United States in full compliance with provisions of any law of the United States or any [State](/usc/12/3101.md?p=10) thereof which—
  - (A) impose requirements that protect the rights of [consumers](/usc/12/5481.md?p=4) in financial transactions, to the extent that the [branch](/usc/12/3101.md?p=3), [agency](/usc/12/3101.md?p=1), or [commercial lending company](/usc/12/3101.md?p=9) engages in activities that are subject to such laws;
  - (B) prohibit discrimination against any individual or other [person](/usc/12/5481.md?p=19) on the basis of the race, color, religion, sex, marital status, age, or national origin of (i) such individual or other [person](/usc/12/5481.md?p=19) or (ii) any officer, [director](/usc/12/5481.md?p=10), employee, or creditor of, or any owner of any interest in, such individual or other [person](/usc/12/5481.md?p=19); and
  - (C) apply to national banks or [State](/usc/12/3101.md?p=10)-chartered banks doing business in the [State](/usc/12/3101.md?p=10) in which such [branch](/usc/12/3101.md?p=3) or [agency](/usc/12/3101.md?p=1) or [commercial lending company](/usc/12/3101.md?p=9), as the case may be, is doing business.
- (2) No application for a [branch](/usc/12/3101.md?p=3) or [agency](/usc/12/3101.md?p=1) shall be approved by the [Comptroller](/usc/12/3101.md?p=4) or by a State bank supervisory authority, as the case may be, unless the entity making the application has agreed to conduct all of its operations in the United States in full compliance with provisions of any law of the United States or any [State](/usc/12/3101.md?p=10) thereof which—
  - (A) impose requirements that protect the rights of [consumers](/usc/12/5481.md?p=4) in financial transactions, to the extent that the [branch](/usc/12/3101.md?p=3), [agency](/usc/12/3101.md?p=1), or [commercial lending company](/usc/12/3101.md?p=9) engages in activities that are subject to such laws;
  - (B) prohibit discrimination against individuals or other [persons](/usc/12/5481.md?p=19) on the basis of the race, color, religion, sex, marital status, age, or national origin of (i) such individual or other [person](/usc/12/5481.md?p=19) or (ii) any officer, [director](/usc/12/5481.md?p=10), employee, or creditor of, or any owner of any interest in, such individual or other [person](/usc/12/5481.md?p=19); and
  - (C) apply to national banks or [State](/usc/12/3101.md?p=10)-chartered banks doing business in the [State](/usc/12/3101.md?p=10) in which the entity to be established is to do business.

## Source credit

(Pub. L. 95–369, § 9(b), as added Pub. L. 95–630, title III, § 311, Nov. 10, 1978, 92 Stat. 3678; amended Pub. L. 103–328, title I, § 107(c), Sept. 29, 1994, 108 Stat. 2360.)

## Notes

### Editorial Notes

### Amendments

1994—Par. (1). Pub. L. 103–328, § 107(c)(1), added subpar. (A) and redesignated former subpars. (A) and (B) as (B) and (C), respectively.

Par. (2). Pub. L. 103–328, § 107(c)(2), added subpar. (A) and redesignated former subpars. (A) and (B) as (B) and (C), respectively.

### Statutory Notes and Related Subsidiaries

### Effective Date

Section effective upon the expiration of 120 days after Nov. 10, 1978, see section 2101 of Pub. L. 95–630, set out as a note under section 375b of this title.