1566

LAWS OF MARYLAND

Ch. 113

(IV) THE FINANCIAL HISTORY AND FUTURE PROSPECTS
OF THE OUT-OF-STATE BANK HOLDING COMPANY;

(V) THE RESULTANT CONCENTRATION OF RESOURCES
AND AMOUNT OF TOTAL ASSETS AND TOTAL DEPOSITS TO BE HELD BY THE
OUT-OF-STATE BANK HOLDING COMPANY AFTER A MERGER OR ACQUISITION;

(VI) THE IMPACT OF REGIONAL RECIPROCAL BANKING
ON COMPETITION;

(VII) THE AVAILABILITY OF CONSUMER CREDIT FOR
ALL GROUPS, INCLUDING LOW AND MODERATE INCOME GROUPS;

(VIII) THE AVAILABILITY OF CREDIT FOR SMALL
BUSINESS LOANS;

(IX) RATES CHARGED FOR CREDIT;

(X) ANY FEES CHARGED FOR SERVICES; AND

(XI) ANY OTHER INFORMATION THE COMMISSIONER MAY
CONSIDER RELEVANT OR THAT THE GENERAL ASSEMBLY MAY REQUEST.

(XII) NUMBER OF APPLICATIONS SUBMITTED,
APPROVED AND DENIED.

(XIII) THE IMPACT OF REGIONAL BANKING ON
EXISTING SAVINGS AND LOAN INSTITUTIONS.

12-204.

[A] EXCEPT AS PERMITTED UNDER TITLE 5, SUBTITLES 9 AND 10 OF
THIS ARTICLE, A foreign bank or affiliated corporation may not
become a bank holding company.

12-207.

(a)  A foreign banking corporation may not have an office or
an electronic terminal in this State for any purpose unless the
foreign banking corporation obtains from the Bank Commissioner a
permit for the office or terminal.

(b)  [A] EXCEPT AS PERMITTED UNDER TITLE 5, SUBTITLES 9 AND
10 OF THIS ARTICLE, A foreign banking corporation may not have
any office or electronic terminal in this State:

(1)  To solicit deposits; or

(2)  To conduct:

(i) A general banking business;
(ii) A savings banking business; or