19 See, e.g., OTS Opinion Letter dated September 2, 1997, and 12 C.F.R. §545.2 [operations and licensing]; 12 C.F.R. §557.13 [deposits]; OTS Opinion Letter dated March 10, 1999, OTS Opinion Letter dated December 24, 1996, and 12 C.F.R. §560.2(c) [lending]; and OTS Opinion Letter dated January 15, 1999, and 12 C.F.R. §555.200 [electronic operations].