; 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 Consumer Law Enforcement Agency, 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 section 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. E Application of the Expedited Funds Availability Act 521. Application of the Expedited Funds Availability Act (a) In general The Expedited Funds Availability Act ( 12 U.S.C. 4001 et seq.) is amended— (1) in section 602(20) ( 12 U.S.C. 4001(20) ) by inserting , located in the United States, after ATM ; (2) in section 602(21) ( 12 U.S.C. 4001(21) ) by inserting American Samoa, the Commonwealth of the Northern Mariana Islands, after Puerto Rico, ; (3) in section 602(23) ( 12 U.S.C. 4001(23) ) by inserting American Samoa, the Commonwealth of the Northern Mariana Islands, after Puerto Rico,