When referencing "Column" in connection with Bilt, the term refers to Column National Association, which is a nationally chartered commercial bank. Column N.A. serves as the issuing bank partner and financial backbone for Bilt Rewards credit card programs and housing payment features. Column itself is a nationally chartered banking institution regulated by the Office of the Comptroller of the Currency, meaning the "National Association" (N.A.) designation is a formal legal component of its charter rather than an independent trade group or general national association.