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12 U.S.C. § 1816

Title 12 Chapter 16 Current through PL 119-73 Last updated: March 29, 2026 View on OLRC →
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§ 1816. Factors to be considered

The factors that are required, under section 1814 of this title , to be considered in connection with, and enumerated in, any certificate issued pursuant to section 1814 of this title and that are required, under section 1815 of this title , to be considered by the Board of Directors in connection with any determination by such Board pursuant to section 1815 of this title are the following:

  • (1) The financial history and condition of the depository institution.
  • (2) The adequacy of the depository institution’s capital structure.
  • (3) The future earnings prospects of the depository institution.
  • (4) The general character and fitness of the management of the depository institution.
  • (5) The risk presented by such depository institution to the Deposit Insurance Fund.
  • (6) The convenience and needs of the community to be served by such depository institution.
  • (7) Whether the depository institution’s corporate powers are consistent with the purposes of this chapter.

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