### Question
How does the law define major United States commercial bank?


### Answer
Under *46 U.S.C. § 51320*, **major United States commercial bank** is defined as:

> a commercial bank that—


(A) is an insured bank (as defined in section 3(h) of the Federal Deposit Insurance Act (12 U.S.C. 1813(h)))

#### Citation:
  - *46 U.S.C. § 51320*
  - Heading: **Subtitle V-Merchant Marine > Part B-Merchant Marine Service > CHAPTER 513-UNITED STATES MERCHANT MARINE ACADEMY**

