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  • That is, a federally-insured state bank may export credit card interest rates and fees to out-of-state card holders if the interest rates and fees are allowed in the state bank???s home state, even if they are not permissible in the state of the card holder???s residence.12 However, as discussed below, DIDA section 521 differs from NBA section 85 in that states may opt out of this DIDA provision.
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