; (ii) loans to small businesses, using data reported under the Community Reinvestment Act of 1977 for loans to small businesses with less than $1,000,000 in gross annual revenue, and any other data the responsible agency deems appropriate to collect for this purpose; (iii) home mortgage loans, using data reported under the Home Mortgage Disclosure Act of 1975 for first-lien mortgage loans for single family homes, and any other data the responsible agency deems appropriate to collect for this purpose; and (iv) any other financial product that comprises a substantial portion of the activities of each bank or savings association involved in the proposed merger transaction, as determined by the responsible agency. (B) Geographic markets The responsible agency shall consider the competitive effects of the proposed transaction on the product markets identified in subparagraph (A) with respect to each of the following geographic markets as defined by the United States Census Bureau: (i) Each State in which the resulting company would operate. (ii) Each core-based statistical area in which the resulting company would operate. (iii) Each county in which the resulting company would operate. (iv) Any other geographic area the responsible agency deems appropriate. . (b) Bank holding companies (1) Proposed acquisitions, mergers, or consolidations Section 3(c) of the Bank Holding Company Act of 1956 ( 12 U.S.C. 1842(c) ), as amended by section 7, is further amended by adding at the end the following new paragraph: (13) Competitive effects (A) Product markets In every case, the Board shall consider the competitive effects of the proposed transaction on the market for— (i) commercial deposits; (ii) loans to small businesses, using data reported under the Community Reinvestment Act of 1977 for loans to small businesses with less than $1,000,000 in gross annual revenue, and any other data the Board deems appropriate to collect for this purpose