Compliance date
(d) Compliance date means, except as otherwise provided in 370.6(b): (1) April 1, 2020, for any insured depository institution that was a covered institution as of April 1, 2017; (2) The date that is three years after the date on which an insured depository institution becomes a covered institution; or (3) The date on which an insured depository institution that elects to be a covered institution under 370.2(c)(2) files its first certification of compliance and deposit insurance coverage summary report pursuant to 370.10(a).