; and (2) by adding at the end the following: (b) Exemptive authority (1) Definition In this subsection, the term insured depository institution has the meaning given the term in section 3(c) of the Federal Deposit Insurance Act ( 12 U.S.C. 1813(c) ). (2) Exemption Notwithstanding any other provision of law, the Comptroller of the Currency, after considering the factors in paragraph (4), may exempt by rule any national bank having less than $10,000,000,000 in total assets from— (A) any provision of this title; (B) any rule promulgated under this title; or (C) any rule promulgated under any other title or Act that confers authority to the Comptroller. (3) Conditions The Comptroller of the Currency may impose conditions on an exemption granted under paragraph (2). (4) Factors to consider In granting an exemption under paragraph (2), the Comptroller of the Currency shall consider, as appropriate, the extent to which— (A) the provision or rule would impose an unnecessary or undue burden or cost on the national bank; (B) the provision or rule is unnecessary or unwarranted in order to promote the safety and soundness of the national bank