; and (6) if the valid-when-made doctrine is not reaffirmed soon by Congress, the lack of access to safe and affordable financial services will force the households in the United States with the fewest resources to seek financial products that are nontransparent, fail to inform consumers about the terms of credit available, and do not comply with State and Federal laws, including regulations. 3. Rate of interest after transfer of loan (a) Amendment to the Revised Statutes Section 5197 of the Revised Statutes ( 12 U.S.C. 85 ) is amended by adding at the end the following: 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) of the Home Owners’ Loan Act ( 12 U.S.C. 1463(g) ) is amended by adding at the end the following: (3) 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) of the Federal Credit Union Act ( 12 U.S.C. 1785(g) ) is amended by adding at the end the following: (3) 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 of the Federal Deposit Insurance Act ( 12 U.S.C. 1831d ) is