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Bank Activities and Structure

Banks are subject to a number of prudential and supervisory limits on the activities that they are authorized to conduct (e.g., Volcker Rule) and various requirements relating to their corporate and legal entity organizational structures (e.g., intermediate holding company requirements). Recognizing that there are benefits to bank customers and the economy in banks offering a diversity of services and that this diversity contributes to bank resiliency during times of stress, TCH advocates for a rational approach to both activity limits and structural requirements that enables banks to offer a range of financial services while also protecting and promoting the safety and soundness of the financial system.