; (2) by striking the period at the end of paragraph (9) and inserting ; and ; and (3) by adding at the end the following new paragraph: (10) the term underserved area — (A) means a geographic area consisting of a single census tract or a group of census tracts, each of which meets the criteria for— (i) a low-income community, as defined in section 45D(e) of the Internal Revenue Code of 1986; or (ii) is underserved, based on data of the Board and the Federal banking agencies (as defined in section 3 of the Federal Deposit Insurance Act), by other depository institutions (as defined in section 19(b)(1)(A) of the Federal Reserve Act); and (B) notwithstanding subparagraph (A), includes, with respect to any Federal credit union, any geographic area within which such credit union— (i) has received approval to provide service before the date of the enactment of this paragraph from the National Credit Union Administration; and (ii) has established a service facility before such date of enactment. . (c) Conforming amendment Section 109(e)(2) of the Federal Credit Union Act ( 12 U.S.C. 1759(e)(2) ) is amended by inserting subsection (c)(2) and after provided in .