; and (2) by adding at the end the following: (c) (1) Notwithstanding any other provision of law, a National Bank Association described in subsection (a) may not engage in maturity transformation or facilitate consumer lending through third parties. (2) Restrictions on affiliate transactions applicable for insured depository institutions shall apply to such depository institutions. (3) The Comptroller of the Currency, in close consultation with the Board of Governors of the Federal Reserve System and State bank supervisors, shall develop the following: (A) A simplified capital framework based on the following: (i) Payment system risk. (ii) The greater of— (I) all projected costs of receivership; or (II) 3 years of projected operating expenses. (B) Appropriate standards for the depository institution to develop a community contribution plan, which may include consumer education, financial literacy, charitable donations, volunteerism, job training and internships or similar involvement. (C) A tailored recovery and resolution plan that would permit the orderly resumption of a safe and sound operation or the orderly wind-down of operations relating to a payment stablecoin in the event of distress. (D) Tailored holding company supervision, as specified by section 15 of the Bank Holding Company Act of 1956. (4) In designing the simplified capital framework required by paragraph (3)(A), the Comptroller of the Currency— (A) shall not subject depository institutions to the standards of section 171 of the Financial Stability Act of 2010 ( 12 U.S.C. 5371 )