The Director’s exercise of the Director’s authority pursuant to the prior approval authority for products under 12 U.S.C. § 4541, and this regulation, in no way restricts:

(a) The safety and soundness authority of the Director over all new and existing products or activities; or

(b) The authority of the Director to review all new and existing products or activities to determine that such products or activities are consistent with the authorizing statute of an Enterprise.