; (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 Board deems appropriate to collect for this purpose; and (IV) any other financial product that comprises a substantial portion of the activities of each company involved in the proposed merger transaction, as determined by the Board. (ii) Geographic markets The Board shall consider the competitive effects of the proposed transaction on the product markets identified in clause (i) with respect to each of the following geographic markets: (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 Board deems appropriate. . 9. Transparency in merger review (a) Insured depository institutions Section 18(c) of the Federal Deposit Insurance Act ( 12 U.S.C. 1828(c) ), as amended by section 8, is further amended by adding at the end the following new paragraph: (20) Transparency (A) In general In any application under this section— (i) an insured depository institution shall— (I) disclose whether any persons employed by, representing, or acting on behalf of the depository institution have had verbal or written communications with the responsible agency, a Federal reserve bank, or any other Federal regulatory agency regarding the proposed merger transaction; and (II) identify the dates and the names of individuals involved in, and the content of, all communications described in subclause (I)