; and (B) the mortgage originator informs the consumer that the creditor intends to hold the loan on the balance sheet of the creditor for the life of the loan. (3) Definitions For purposes of this subsection: (A) Banking regulators The term banking regulators means the Federal banking agencies, the Bureau, and the National Credit Union Administration. (B) Depository institution The term depository institution has the meaning given that term under section 19(b)(1) of the Federal Reserve Act ( 12 U.S.C. 505(b)(1) ). (C) Federal banking agencies The term Federal banking agencies has the meaning given that term under section 3 of the Federal Deposit Insurance Act. . (b) Rule of construction Nothing in the amendment made by this Act may be construed as preventing a balloon loan from qualifying for the safe harbor provided under section 129C(j) of the Truth in Lending Act if the balloon loan otherwise meets all of the requirements under such subsection (j), regardless of whether the balloon loan meets the requirements described under clauses (i) through (iv) of section 129C(b)(2)(E) of such Act.