within 30 days. (C) Costs An individual who files a civil action under this paragraph may not be required to pay the costs of the responsible agency or any party to the merger transaction that is the subject of the civil action. (D) Effect on merger transaction The proposed merger transaction that is the subject of a civil action under this paragraph may not be consummated until the court issues a final decision in such action. . (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 10, is further amended by adding at the end the following new paragraph: (16) Citizen standing (A) In general Not later than 10 days after the approval of an application under this section by the Board, or the denial of a request for reconsideration of such an application by the Board, an individual may file a civil action in the appropriate United States district court to review such approval, regardless of whether the individual submitted a comment or otherwise participated in the application process. (B) Consideration In any such action, the court shall review de novo the issues presented, consider the matter on an expedited basis, and issue a decision within 30 days. (C) Costs An individual who files a civil action under this paragraph may not be required to pay the costs of the Board or any party to the application that is the subject of the civil action. (D) Effect on application The proposed acquisition, merger, or consolidation that is the subject of a civil action under this paragraph may not be consummated until the court issues a final decision in such action. . (2) Other transactions or activities Section 4(j)(2) of the Bank Holding Company Act of 1956 ( 12 U.S.C. 1843(j)(2) ), as amended by section 10, is further amended by adding at the end the following new subparagraph: (M) Citizen standing (i) In general Not later than 10 days after the approval of a notice under this subsection by the Board,