21  The two dealing with the acquisition of merger of banks simply require that each factor be “‘taken into consideration,”‘ whereas the provision for acquisition of nonbanks requires consideration of the factors in the context of a determination of whether the proposed transaction “‘can reasonably be expected to produce benefits to the public that outweigh possible adverse effects.”‘12 USC 1843(j)(2)(A).
Somewhat confusingly, and a bit unaccountably, the wording of the financial stability factor also differs.