if the Financial Stability Oversight Council determines by a 2⁄3 vote that a proposed acquisition, merger, or consolidation under this subsection is necessary to preserve the stability of the United States banking or financial system, the Board may approve such acquisition, merger, or consolidation. . (2) Proposed 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 8, is amended by adding at the end the following new subparagraph: (L) FSOC determination Notwithstanding paragraphs (2)(D), (2)(E), (2)(F), (2)(G), (2)(I), and (2)(J) of this subsection, if the Financial Stability Oversight Council determines by a 2⁄3 vote that a proposed transaction or activity under this subsection is necessary to preserve the stability of the United States banking or financial system, the Board may approve such transaction or activity. . 11. Citizen standing (a) Insured depository institutions Section 18(c) of the Federal Deposit Insurance Act ( 12 U.S.C. 1828(c) ), as amended by section 10, is further amended by adding at the end the following new paragraph: (22) Citizen standing (A) In general Not later than 10 days after the approval of a merger transaction by the responsible agency under this subsection or the denial of a request for reconsideration of an application for a merger transaction, 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 for approval of the merger transaction. (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 responsible agency or any party to the merger transaction that is the subject of the civil action. (D) Effect on merger