WASHINGTON, D.C. ? Bank regulators have halted for six months any new approvals of the sort of industrial banks that Wal-Mart, Home Depot and 12 other companies are seeking to establish.

The Federal Deposit Insurance Corp. imposed the moratorium on approving the industrial loan corporations, or ILCs. Nearly 100 members of Congress from both parties recently asked the FDIC to give lawmakers a chance to consider legislation that would block commercial companies from owning the corporations.

The FDIC directors voted informally, without convening a meeting, over the course of this week. It was the first major action taken by the agency under its new chairman, Sheila Bair, who received her bachelor’s and law degrees from Kansas University.

The FDIC will not make any final decisions on applications for the banks or for changes in control of existing banks and will not accept new applications for six months, the agency said Friday.

“Recently, the growth of the ILC industry, the trend toward commercial company ownership of ILCs and the nature of some ILC business models have raised questions about the risks of ILCs to the deposit insurance fund, and whether their commercial relationships pose any safety and soundness risks,” the FDIC said.

The moratorium, which extends until Jan. 31, will give the regulators time to decide whether changes in law or regulation are needed, the agency said.

The application of Wal-Mart Stores Inc. to establish an ILC based in Utah has spurred opposition from banks, unions and lawmakers. In April, groups representing those interests argued against granting Wal-Mart’s request at two public hearings, the first held by the FDIC on such an application.