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 note. PUBLIC LAW 102-242—DEC. 19, 1991 105 STAT. 2307 would have been secured by a lien on residential real property. The creditor may require the applicant to reimburse the creditor for the cost of the appraisal.". SEC. 224. HOME MORTGAGE DISCLOSURE ACT. (a) IN GENERAL. — Section 309 of the Home Mortgage Disclosure Act (12 U.S.C. 2808) is amended— (1) by striking "depository" before "institution"; (2) by inserting "specified in section 303(2)(A)" after "institution"; and (3) by adding at the end the following: "The Board, in consultation with the Secretary, may exempt institutions described in section 303(2)(B) that are comparable within their respective industries to institutions that are exempt under the preceding sentence.". Qo) EFFECTIVE DATE. —This section shall become effective on Janu- 12 USC 2808 ary 1, 1992. SEC. 225. NOTICE OF SAFEGUARD EXCEPTION. Section 604 of the Expedited Funds Availability Act (12 U.S.C. 4003) is amended— (1) in subsection (b), by inserting "(a)(2)," after "subsection"; (2) in subsection (c)(1), by striking "(F)" after "subsections (a)(2)"; (3) in subsection (d), by inserting "(a)(2)," after "subsections"; (4) in subsection (f)(l)(A)(i), by striking "day" and inserting "time period within which"; and (5) in subsection (f), by adding at the end of paragraph (2) the following: "(D) In the case of a deposit to which subsection (b)(1) or (b)(2) applies, the depository institution may, for nonconsumer accounts and other classes of accounts, as defined by the Board, that generally have a large number of such deposits, provide notice at or before the time it first determines that the subsection applies. "(E) In the case of a deposit to which subsection (b)(3) applies, the depository institution may, subject to regulations of the Board, provide notice at the beginning of each time period it determines that the subsection applies. In addition to the requirements contained in paragraph (1)(A), the notice shall specify the time period for which the exception will apply.". SEC. 226. DELEGATED PROCESSING. Section 328(a) of the Cranston-Gonzalez National Affordable Housing Act (12 U.S.C. 1713 note) is amended in the first sentence by inserting before the period "or other individuals and entities expresslv approved by the Department of Housing and Urban Development. SEC. 227. DEPOSITS AT NONPROPRIETARY AUTOMATED TELLER MA- CHINES. (a) IN GENERAL. —Section 603(e) of the Expedited Funds Availability Act (12 U.S.C. 4002(e)) is amended by striking paragraphs (1)(C) and (2). (b) CONFORMING AMENDMENTS.— The Expedited Funds Availability Act (12 U.S.C. 4001 et seq.) is amended—

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