; (B) the Board, in consultation with the Comptroller and State bank supervisors, shall take into account the significant differences between the risks of the assets of the institution and those of depository institutions with assets that consist primarily of commercial or consumer loans; and (C) assessment of operational risk shall occur commensurate with the size and complexity of the depository institution. (i) Rules of construction Nothing in this Act may be construed as— (1) preventing the Comptroller or a State bank supervisor which charters a depository institution from imposing additional or more strict regulatory standards on the institution for issuing payment stablecoins; (2) making inapplicable the provisions of section 24(j) of the Federal Deposit Insurance Act ( 12 U.S.C. 1831a(j) ) to a depository institution, including the ability of a depository institution to operate under home State law on an interstate basis without further licensure, registration, or authorization, as provided in that Act; or (3) requiring a depository institution to obtain deposit insurance to issue a payment stablecoin under this section or to conduct incidental activities under this section. (j) Conversion of a non-Depository trust company payment stablecoin issuer Not later than 2 years after the date of enactment of this Act, the Board, in consultation with the Comptroller and State bank supervisors, shall issue rules— (1) establishing a process for a non-depository trust company registered under section 6 to convert to a depository institution under this section; (2) setting forth an expedited process for approval that is consistent with this section