; and (3) provides— (A) fiscal agent services; (B) money transmitter services; (C) digital dollar services as a pass-through intermediary for the Federal Government; (D) depository services; (E) postal banking services; (F) securities-related services; or (G) any lending product approved by the Board of Governors. (c) Public payment bank defined The term public payment bank means a person that— (1) is wholly owned and controlled by an entity described in subsection (b)(1); (2) provides at least one of the services specified in subparagraphs (A) through (E) of subsection (b)(2); and (3) does not provide the services specified in subparagraph (F) or (G) of subsection (b)(2). (d) Exception of certain public lending banks from consideration as bank holding company A person described in subsection (b) shall not be considered a bank holding company under the Bank Holding Company Act of 1956 ( 12 U.S.C. 1841 et seq.) or any other law, solely due to the person’s ownership or control of a public lending bank, public payment bank, or non-federally chartered bank. (e) Guidance with respect to excluded and marginalized groups The Board of Governors shall issue guidance to public lending banks and public payment banks to ensure that the services provided by such banks are universal and comprehensively include historically excluded and marginalized groups. 102. Federal recognition of non-federally chartered banks (a) Certificates of recognition The Board of Governors shall issue certificates of Federal recognition to non-federally chartered banks. (b) Non-Federally chartered bank defined The term non-federally chartered bank means a person that is— (1) wholly owned and controlled by an entity described in section 101(b)(1); and (2) either— (A) chartered as a non-depository institution by an approved non-Federal financial regulator described in subsection (c)