; and (B) has not been determined by the Secretary to be commercially ready. (5) Clean energy technology The term clean energy technology means a technology related to the production, use, transmission, storage, control, or conservation of energy that will contribute to the stabilization of the climate by reducing greenhouse gas emissions or sequestering or utilizing carbon dioxide and— (A) reduce the need for additional energy supplies by using existing energy supplies with greater efficiency; (B) transmit, distribute, or transport energy with greater effectiveness through the infrastructure of the United States; or (C) increase and diversify the sources of energy in the United States in a way that will reduce risk to human health, safety, and welfare and the environment and create energy security. (6) Cost The term cost has the meaning given the term in section 502 of the Federal Credit Reform Act of 1990 ( 2 U.S.C. 661a ). (7) Direct loan The term direct loan has the meaning given the term in section 502 of the Federal Credit Reform Act of 1990 ( 2 U.S.C. 661a ). (8) Energy transition community The term energy transition community has the meaning given such term in section 511 of this Act. (9) Financial institution The term financial institution means— (A) an insured bank (as defined in section 3(h) of the Federal Deposit Insurance Act ( 12 U.S.C. 1813(h) )); (B) a commercial bank or trust company; (C) a private banker; (D) an agency or branch of a foreign bank in the United States; (E) any credit union; (F) a thrift institution; (G) a broker or dealer registered with the Securities and Exchange Commission under the Securities Exchange Act of 1934 ( 15 U.S.C. 78a et seq.); (H) a broker or dealer in securities or commodities; (I) an investment banker or investment company; (J) an insurance company