the Comptroller, State bank supervisors, the National Institute of Standards and Technology and other relevant standard setting organizations, shall assess and, if necessary, may, pursuant to section 553 of title 5, United States Code, and in a manner consistent with the utilization of consensus technical standards under section 12(d) of the National Technology Transfer and Advancement Act of 1995 ( 15 U.S.C. 272 note), prescribe standards for payment stablecoin issuers and payment stablecoin service providers to promote compatibility and interoperability among payment stablecoin systems and between payment stablecoin systems and other payment systems, including mandatory or minimum technical or legal specifications that enable participants in one payment system to clear and settle payments across payment systems without participating directly in multiple payment systems. 13. Reservation of authority (a) Limitation of authority Nothing in this Act shall limit the authority of the Board, Comptroller, State bank supervisors, the Secretary of the Treasury, the Bureau of Consumer Financial Protection, the Securities and Exchange Commission, or the Commodity Futures Trading Commission under any provision of law with respect to any person subject to this Act. (b) Effect on State laws The provisions of this Act and rules issued pursuant to this Act shall not preempt a law of a State except to the extent such law conflicts with the provisions of this Act, and then only to the extent of such conflict. (c) Antitrust savings clause Nothing in this Act shall be construed to modify, impair, or supersede the operation of any of the Federal antitrust laws, as defined in subsection (a) of the first section of the Clayton Act ( 15 U.S.C. 12(a) ) or statutes proscribing unfair or deceptive acts or practices, as defined in section 5(a)(4) of the Federal Trade Commission Act ( 15 U.S.C. 45(a)(4) ). (d) Insured depository institution savings clause Nothing in this Act shall be construed to limit the authority of an insured