Interesting timing for OCC for July 1st https://www.occ.treas.gov/news-issuances/news-releases/2019/nr-occ-2019-54.html Something that stood out : The Act requires the OCC to issue regulations to allow federal savings associations with total consolidated assets of $20 billion or less as of December 31, 2017, to elect to operate with national bank powers FWIW