; company; depository institution; depository institution holding company The terms appropriate Federal banking agency , company , 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 ). (2) Bank holding company The term bank holding company has the meaning given the term in section 2 of the Bank Holding Company Act of 1956 ( 12 U.S.C. 1841 ). I Improving consumer access to mortgage credit 101. Minimum standards for residential mortgage loans Section 129C(b)(2) of the Truth in Lending Act ( 15 U.S.C. 1639c(b)(2) ) is amended by adding at the end the following: (F) Safe harbor (i) Definitions In this subparagraph— (I) the term covered institution means an insured depository institution or an insured credit union that, together with its affiliates, has less than $10,000,000,000 in total consolidated assets; (II) the term insured credit union has the meaning given the term in section 101 of the Federal Credit Union Act ( 12 U.S.C. 1752 ); (III) 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 ); (IV) the term interest-only means that, under the terms of the legal obligation, one or more of the periodic payments may be applied solely to accrued interest and not to loan principal; and (V) the term negative amortization means payment of periodic payments that will result in an increase in the principal balance under the terms of the legal obligation. (ii) Safe harbor In this section— (I) the term qualified mortgage includes any residential mortgage loan— (aa) that is originated and retained in portfolio by a covered institution; (bb) that is in compliance with the limitations with respect to prepayment penalties described in subsections (c)(1) and (c)(3); (cc) that is in compliance with the requirements of clause (vii) of subparagraph (A); (dd) that does not have negative amortization or interest-only features