could achieve the Board’s objectives without offering the system, but rather by making changes to its current infrastructure, for example by expanding the operating hours of the National Settlement Service or enhancing the Automated Clearing House’s same-day payment capabilities or modernizing the Automated Clearing House to serve as a backup to the existing operating network. (10) How the Board of Governors would collaborate with the private sector to ensure interoperability. (11) As a regulator of depository institutions and their holding companies, how the Board of Governors would ensure that the Board does not exert undue influence over such institutions and holding companies to use the system. (12) How the Board of Governors would ensure that the system would be available to all depository institutions, including community banks, and credit unions, in a manner that is not cost prohibitive. (13) The estimate of the Board of Governors for— (A) how long it would take to build the infrastructure and begin operation of the system