; and (B) with respect to open-end lines of credit, if such depository institution originated less than 200 open-end lines of credit in each of the two preceding calendar years. . (b) Technical correction Section 304(i)(2) of such Act, as redesignated by subsection (a), is amended by striking section 303(2)(A) and inserting section 303(3)(A) . Q Protecting Consumers’ Access to Credit 581. Rate of interest after transfer of loan (a) Amendment to the Revised Statutes Section 5197 of the Revised Statutes of the United States ( 12 U.S.C. 85 ) is amended by adding at the end the following new sentence: A loan that is valid when made as to its maximum rate of interest in accordance with this section shall remain valid with respect to such rate regardless of whether the loan is subsequently sold, assigned, or otherwise transferred to a third party, and may be enforced by such third party notwithstanding any State law to the contrary. . (b) Amendment to the Home Owners’ Loan Act Section 4(g)(1) of the Home Owners’ Loan Act ( 12 U.S.C. 1463(g)(1) ) is amended by adding at the end the following new sentence: A loan that is valid when made as to its maximum rate of interest in accordance with this subsection shall remain valid with respect to such rate regardless of whether the loan is subsequently sold, assigned, or otherwise transferred to a third party, and may be enforced by such third party notwithstanding any State law to the contrary. . (c) Amendment to the Federal Credit Union Act Section 205(g)(1) of the Federal Credit Union Act ( 12 U.S.C. 1785(g)(1) ) is amended by adding at the end the following new sentence: A loan that is valid when made as to its maximum rate of interest in accordance with this subsection shall remain valid with respect to such rate regardless of whether the loan is subsequently sold, assigned, or otherwise transferred to a third party, and may be enforced by such third party notwithstanding any State law to the contrary. . (d) Amendment to the Federal Deposit Insurance Act Section 27(a) of