Buy credits when they match. Establish a bank when you are the sponsor. Cypress leads prospectus → MBI → IRT coordination → credits — setup and management.
An Interagency Review Team reviews mitigation banks from prospectus through instrument. The Corps chairs it. An IRT is review and approval committee for banks.
Section 10/404, state coastal or ERP, and local dock rules for Gulf piers and docks. Design choices that change the permit — for cities and private waterfront owners.