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action activities administrative agency amended application appointed approval authority bank holding companies bank regulation Bank Supervision bank's banking system BHCA BHCs branch banking CBCT CBCT's certificate codified at 12 commercial banks competition Comptroller Comptroller's Cong Congress Constitution credit unions Currency decision Deposit Insurance depository institutions Deputy Comptroller deregulation Director District Court effect enacted established FDIC federal bank Federal Credit Union Federal Home Loan Federal Reserve federal savings association FHLBB filed FIRREA FSLIC funds granted hearing Home Loan Bank infra interest investment issue judicial review legislation limited loan associations McFadden Act ment merger National Bank Act NCUA Office operations organization organization certificate permitted plaintiff powers President proposed question regulatory S&Ls savings and loan savings bank securities service corporation Stat state-chartered statute statutory supervisory Supp supra thrift institutions tion tional Bank trust United Veazie Bank