# 12 C.F.R. § 238.7 (2026): Tying restriction exception

> Federal · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/CFR_T12_P238_S238_7

## Section

- **Citation:** 12 C.F.R. § 238.7 (2026)
- **Heading:** Tying restriction exception
- **Jurisdiction:** Federal
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Title 12 CFR: Banks and Banking / Chapter II: FEDERAL RESERVE SYSTEM / Part 238: SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL) / Subpart A: General Provisions / § 238.7: § 238.7   Tying restriction exception.

## Text

(a)
Safe harbor for combined-balance discounts.
A savings and loan holding company or any savings association or any affiliate of either may vary the consideration for any product or package of products based on a customer's maintaining a combined minimum balance in certain products specified by the company varying the consideration (eligible products), if:
(1) That company (if it is a savings association) or a savings association affiliate of that company (if it is not a savings association) offers deposits, and all such deposits are eligible products; and
(2) Balances in deposits count at least as much as non-deposit products toward the minimum balance.
(b)
Limitations on exception.
This exception shall terminate upon a finding by the Board that the arrangement is resulting in anti-competitive practices. The eligibility of a savings and loan holding company or savings association or affiliate of either to operate under this exception shall terminate upon a finding by the Board that its exercise of this authority is resulting in anti-competitive practices.

## Nearby sections

- [12 C.F.R. § 238.1 (2026) § 238.1   Authority, purpose and scope.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P238_S238_1.md)
- [12 C.F.R. § 238.2 (2026) § 238.2   Definitions.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P238_S238_2.md)
- [12 C.F.R. § 238.3 (2026) § 238.3   Administration.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P238_S238_3.md)
- [12 C.F.R. § 238.4 (2026) § 238.4   Records, reports, and inspections.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P238_S238_4.md)
- [12 C.F.R. § 238.5 (2026) § 238.5   Audit of savings association holding companies.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P238_S238_5.md)
- [12 C.F.R. § 238.6 (2026) § 238.6   Penalties for violations.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P238_S238_6.md)
- [12 C.F.R. § 238.7 (2026) § 238.7   Tying restriction exception.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P238_S238_7.md)
- [12 C.F.R. § 238.8 (2026) § 238.8   Safe and sound operations, and Small Bank Holding Company Policy Statement.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P238_S238_8.md)
- [12 C.F.R. § 238.9 (2026) § 238.9   Control over securities.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P238_S238_9.md)
- [12 C.F.R. § 238.10 (2026) § 238.10   Categorization of banking organizations.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P238_S238_10.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/CFR_T12_P238_S238_7. Check the current official text before relying on it. Not legal advice.