; (3) by striking institution that functions solely in a trust or fiduciary capacity, if— and inserting the following: “institution— (A) that functions solely in a trust or fiduciary capacity, if— ; and (4) in clause (iv)(II), as redesignated, by striking the period at the end and inserting the following: “; or (B) with total consolidated assets of $10,000,000,000 or less. . 6. No wait for lower mortgage rates (a) In general Section 129(b) of the Truth in Lending Act ( 15 U.S.C. 1639(b) ) is amended— (1) by redesignating paragraph (3) as paragraph (4); and (2) by inserting after paragraph (2) the following: (3) No wait for lower rate If a creditor extends to a consumer a second offer of credit with a lower annual percentage rate, the transaction may be consummated without regard to the period specified in paragraph (1). . (b) Safe harbor for good faith compliance with TILA-RESPA integrated disclosure rule Section 1032(f) of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5532(f) ) is amended— (1) by striking Not later than and inserting the following: (1) In general Not later than