; (4) may not be closed or restricted by the bank on the basis of profitability considerations; and (5) shall provide account holders with reasonable protection against losses caused by fraud or security breaches. (c) Reimbursement for costs (1) In general Each postal retail facility and each member bank with total consolidated assets of not greater than $10,000,000,000 shall be reimbursed each calendar quarter by the relevant Federal reserve bank for the actual and reasonable operational costs incurred by the postal retail facility or member bank in offering pass-through digital dollar wallets. (2) Regulations The Board of Governors of the Federal Reserve System shall promulgate such regulations as necessary to carry out this subsection. (d) Authority of the board Member banks shall be subject to such regulations and obligations as may be imposed by the Board of Governors of the Federal Reserve System in connection with maintaining pass-through digital dollar wallets. 4. Authority for State nonmember banks and credit unions to offer pass-through digital dollar wallets The Federal reserve banks shall permit State nonmember banks and credit unions to open master accounts for the exclusive purpose of offering pass-through digital dollar wallets in compliance with the separate entity structure described in section 3(a), if— (1) the pass-through digital wallets comply with the terms set forth in section 3(b)