; or (II) population size, density, and dispersion, if those activities help to meet essential community needs, including the needs of low- and moderate-income individuals; or (iv) other distressed and underserved communities. (7) Depository institution; depository institution holding company The terms depository institution and depository institution holding company have the meanings given those terms in section 3 of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ). (8) Entire community The term entire community means all of the assessment areas of a regulated financial institution. (9) Enumerated consumer laws The term enumerated consumer laws has the meaning given the term in section 1002 of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5481 ). (10) Geography The term geography means a census tract delineated by the Bureau of the Census in the most recent decennial census. (11) Insured depository institution The term insured depository institution has the meaning given the term in section 3 of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ). (12) Other distressed or underserved community The term other distressed or underserved community means an area that, according to a periodic review and data analysis by the appropriate Federal financial supervisory agencies on an interagency basis through the Federal Financial Institutions Examination Council, is experiencing economic hardship or is underserved by financial institutions. (13) Regulated financial institution The term regulated financial institution means— (A) an insured depository institution; (B) a depository institution holding company; (C) a credit union, other than a low-income credit union