# 12 CFR § 238.7: Tying restriction exception

> Federal · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/ecfr-12-238.7

## Section

- **Citation:** 12 CFR § 238.7
- **Heading:** Tying restriction exception
- **Jurisdiction:** Federal
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** September 22, 2026
- **Source:** Publisher's official text
- **Location:** Title 12—Banks and Banking > CHAPTER II—FEDERAL RESERVE SYSTEM > SUBCHAPTER A—BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM > PART 238—SAVINGS AND LOAN HOLDING COMPANIES (REGULATION LL) > Subpart A—General Provisions

## 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 CFR § 238.1 § 238.1 Authority, purpose and scope.](https://www.frixlaw.com/law-library/statutes/ecfr-12-238.1.md)
- [12 CFR § 238.2 § 238.2 Definitions.](https://www.frixlaw.com/law-library/statutes/ecfr-12-238.2.md)
- [12 CFR § 238.3 § 238.3 Administration.](https://www.frixlaw.com/law-library/statutes/ecfr-12-238.3.md)
- [12 CFR § 238.4 § 238.4 Records, reports, and inspections.](https://www.frixlaw.com/law-library/statutes/ecfr-12-238.4.md)
- [12 CFR § 238.5 § 238.5 Audit of savings association holding companies.](https://www.frixlaw.com/law-library/statutes/ecfr-12-238.5.md)
- [12 CFR § 238.6 § 238.6 Penalties for violations.](https://www.frixlaw.com/law-library/statutes/ecfr-12-238.6.md)
- [12 CFR § 238.7 § 238.7 Tying restriction exception.](https://www.frixlaw.com/law-library/statutes/ecfr-12-238.7.md)
- [12 CFR § 238.8 § 238.8 Safe and sound operations, and Small Bank Holding Company Policy Statement.](https://www.frixlaw.com/law-library/statutes/ecfr-12-238.8.md)
- [12 CFR § 238.9 § 238.9 Control over securities.](https://www.frixlaw.com/law-library/statutes/ecfr-12-238.9.md)
- [12 CFR § 238.10 § 238.10 Categorization of banking organizations.](https://www.frixlaw.com/law-library/statutes/ecfr-12-238.10.md)
- [12 CFR § 238.11 § 238.11 Transactions requiring Board approval.](https://www.frixlaw.com/law-library/statutes/ecfr-12-238.11.md)
- [12 CFR § 238.12 § 238.12 Transactions not requiring Board approval.](https://www.frixlaw.com/law-library/statutes/ecfr-12-238.12.md)
- [12 CFR § 238.13 § 238.13 Prohibited acquisitions.](https://www.frixlaw.com/law-library/statutes/ecfr-12-238.13.md)
- [12 CFR § 238.14 § 238.14 Procedural requirements.](https://www.frixlaw.com/law-library/statutes/ecfr-12-238.14.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/ecfr-12-238.7. Check the current official text before relying on it. Not legal advice.