The Board is adopting a regulatory ``safe harbor'' from the anti-tying restrictions of section 106 of the Bank Holding Company Act Amendments of 1970 and the Board's Regulation Y. The safe harbor permits any bank or nonbank subsidiary of a bank holding company to offer a ``combined-balance discount''--that is, a discount based on a customer maintaining a combined minimum [[Page 20187]] balance in products specified by the company offering the discount.