Nearly 2,200 branches operated by the nation's largest banks are exempt from a government plan to impose community reinvestment- like standards on institutions branching across state lines.

Last week the banking agencies proposed a rule that would require out- of-state bank branches to maintain a loan-to-deposit ratio equal to half the average of all banks based in the state. Failure to meet this lending standard could prompt the branch's closing.

Subscribe Now

Access to authoritative analysis and perspective and our data-driven report series.

14-Day Free Trial

No credit card required. Complete access to articles, breaking news and industry data.