The statutory reference to 12 U.S.C. 3401 indicates that Congress chose to adopt the definition of financial institutions found Start
Printed Page 82571in the Right to Financial Privacy Act, which defines financial institutions as any office of a bank, savings bank, card issuer, industrial loan
company, trust
company, savings association, building and loan, homestead association, cooperative bank, credit union, or consumer finance institution
located in the United States or one of its Territories.