; (2) in the case of any amount appropriated, shall be returned to the general fund of the Treasury not later than 9 years after the date of enactment of this subsection; and (3) may be repaid to the offering organization or organizations if the Postmaster General determines that the services provided in this subsection are not reduced as a result. . (b) No bank charter The United States Postal Service shall not be granted a bank charter, become an insured depository institution, as defined in section 3 of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ), or engage in traditional banking activities such as lending, other than those activities permitted under section 404 of title 39, United States Code, as amended by this Act. (c) UCC The United States Postal Service shall be subject to the provisions of article 4 of the Uniform Commercial Code. (d) Regulations The Postmaster General, in consultation with the Secretary of the Treasury, the Bureau of Consumer Financial Protection, and the Federal banking agencies, shall promulgate regulations carrying out this Act and the amendments made by this Act. (e) Technical and conforming amendment Section 404(e)(2) of title 39, United States Code, is amended by adding at the end the following: The preceding sentence shall not apply to any financial service offered by the Postal Service under subsection (a)(9). . (f) Rule of construction The services offered by the United States Postal Service under section 404 of title 39, United States Code— (1) shall be considered permissible non-banking activities in accordance with section 225.28 of title 12, Code of Federal Regulations; and (2) shall not be considered the business of banking under the seventh paragraph of section 5136 of the Revised Statutes ( 12 U.S.C. 24 ).