A week earlier that same December, the existing CRA statute was amended once again upon the enactment of the Resolution Trust Corporation Refinancing, Restructuring, and Improvement Act of 1991 . It allowed the Resolution Trust Corporation (RTC) to make available any branch of any savings association located in any predominantly minority neighborhoods that the RTC had been appointed the conservator or receiver of to any minority depository institution or women's depository institution with favorable conditions. Upon the addition of section 808 ( 12. § 2907 ) to the existing CRA statutes by the Act, any depository institution which donated, sold with favorable terms (as determined by the appropriate Federal financial supervisory agency), or made available on a rent-free basis any branch of such institutions located in any predominantly minority neighborhood to any minority depository institution or women's depository institution, the amount of the contribution or the amount of the loss incurred in connection with such activity would go towards meeting the credit needs of the institution's community and would be taken into consideration when CRA examinations were evaluated. 
Hardy debuted in Total Nonstop Action Wrestling (TNA) on June 23, 2004, at the Second Anniversary Show , in a match against . Styles , for the TNA X Division Championship .  He also debuted his new entrance theme "Modest", a song performed by Hardy himself, and a new nickname, "The Charismatic Enigma".  The match ended in a no contest when Kid Kash and Dallas interfered.  Hardy returned to TNA on July 21 and was awarded a shot at the NWA World Heavyweight Championship .  Hardy challenged for the title on September 8, losing to NWA World Heavyweight Champion Jeff Jarrett .  In October 2004, he won a tournament,  earning a shot at the NWA World Heavyweight Championship on November 7 at Victory Road , TNA's first monthly pay-per-view.  Hardy was defeated by Jarrett once again in a ladder match at Victory Road following interference from Kevin Nash and Scott Hall .