18 U.S.C. § 212 — Offer of loan or gratuity to financial institution examiner

(a) In General. Except for the exception in (b), if you're an officer, director, or employee of a financial institution, and you make or grant a loan or gratuity (gift) to an examiner or assistant examiner who examines — or has authority to examine — that bank, branch, agency, organization, corporation, association, or institution, you violate this section. The penalties are: (1) you can be fined under this title, imprisoned for up to 1 year, or both; and (2) you may also be fined a further sum equal to the money loaned or the gratuity given. (b) Regulations. A federal financial institution regulatory agency may issue regulations adding limits on applying for or receiving credit — including residential mortgage loans — under this section, after consulting with each other federal financial institution regulatory agency. (c) Definitions. (1) "Examiner" means a person who either (A) is appointed by a federal financial institution regulatory agency, or under state law, to examine a financial institution, or (B) is elected under state law to examine financial institutions. (2) "Federal financial institution regulatory agency" means: the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the Federal Housing Finance Agency, the Farm Credit Administration, the Farm Credit System Insurance Corporation, and the Small Business Administration. (3) "Financial institution" does not include a credit union, a Federal Reserve Bank, a federal home loan bank, or a depository institution holding company. (4) "Loan" does not include a credit card account under an open-end consumer credit plan, or a loan secured by the examiner's own primary residence, as long as: (A) the examiner meets the same financial requirements as any other applicant for that type of credit; (B) the account's or loan's terms — and any credit extended under it — are no more favorable to the examiner than what the same institution generally offers other borrowers or cardholders in comparable circumstances; and (C) for a residential real property loan, the loan is with respect to the applicant's primary residence.