Section 107 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 (Riegle-Neal Act) amended section 6 of the International Banking Act of 1978 (IBA) to provide that the FDIC shall amend its regulation concerning domestic retail deposit activities by state-licensed branches of foreign banks. The final rule amends the FDIC's regulations to restrict the amount and types of initial deposits of less than $100,000 which can be accepted by an uninsured state-licensed branch of a foreign bank. The final rule is intended to afford equal competitive opportunities to foreign and domestic banks.