; and (bb) with full recognition of the constitutional right of either House to change the rules (so far as relating to the procedure of that House) at any time, in the same manner, and to the same extent as in the case of any other rule of that House. (H) Penalty rate (i) In general Not later than 6 months after the date of enactment of this subparagraph, the Board shall, with respect to a recipient of any loan or other financial assistance under this paragraph, establish by rule a minimum interest rate on the principal amount of any loan or other financial assistance. (ii) Minimum interest rate defined In this subparagraph, the term minimum interest rate shall mean the sum of— (I) the average of the secondary discount rate of all Federal reserve banks over the most recent 90-day period; and (II) the average of the difference between a distressed corporate bond yield index (as defined by rule of the Board) and a bond yield index of debt issued by the United States (as defined by rule of the Board) over the most recent 90-day period. (I) Financial institution participant defined For purposes of this paragraph, the term financial institution participant — (i) means a company that is predominantly engaged in financial activities (as defined in section 102(a) of the Financial Stability Act of 2010 ( 12 U.S.C. 5311(a) )); and (ii) does not include an agency described in subparagraph (W) of section 5312(a)(2) of title 31, United States Code, or an entity controlled or sponsored by such an agency. .