diff --git a/runtime/src/accounts_background_service.rs b/runtime/src/accounts_background_service.rs
index 4b339a0fb8..6a863218f6 100644
--- a/runtime/src/accounts_background_service.rs
+++ b/runtime/src/accounts_background_service.rs
@@ -158,7 +158,7 @@ impl SnapshotRequestHandler {
                             ancestors: None,
                             use_write_cache: false,
                             epoch_schedule: snapshot_root_bank.epoch_schedule(),
-                            rent_collector: &snapshot_root_bank.rent_collector(),
+                            rent_collector: snapshot_root_bank.rent_collector(),
                         },
                     ).unwrap();
                     assert_eq!(previous_hash, this_hash);
diff --git a/runtime/src/bank.rs b/runtime/src/bank.rs
index 8164f8bfe9..2884fda514 100644
--- a/runtime/src/bank.rs
+++ b/runtime/src/bank.rs
@@ -6155,8 +6155,8 @@ impl Bank {
         *self.inflation.read().unwrap()
     }
 
-    pub fn rent_collector(&self) -> RentCollector {
-        self.rent_collector.clone()
+    pub fn rent_collector(&self) -> &RentCollector {
+        &self.rent_collector
     }
 
     /// Return the total capitalization of the Bank
diff --git a/runtime/src/snapshot_package.rs b/runtime/src/snapshot_package.rs
index 95f5aacb4e..87bf2038b6 100644
--- a/runtime/src/snapshot_package.rs
+++ b/runtime/src/snapshot_package.rs
@@ -112,7 +112,7 @@ impl AccountsPackage {
             snapshot_type,
             accounts: bank.accounts(),
             epoch_schedule: *bank.epoch_schedule(),
-            rent_collector: bank.rent_collector(),
+            rent_collector: bank.rent_collector().clone(),
         })
     }
 }