12 CFR §228.42 Data collection, reporting and disclosure
§228.42 Data collection, reporting, and disclosure. (a) Loan information required to be collected and maintained. A bank, except a small bank, shall collect, and maintain in machine readable form (as prescribed by the Board) until the completion of its next CRA examination, the following data for each small business or small farm loan originated or purchased…
12 CFR §228.43 Content and availability of public file
§228.43 Content and availability of public file. (a) Information available to the public. A bank shall maintain a public file that includes the following information: (1) All written comments received from the public for the current year and each of the prior two calendar years that specifically relate to the bank’s performance in helping to meet…
12 CFR §228.44 Public notice by banks
§228.44 Public notice by banks. A bank shall provide in the public lobby of its main office and each of its branches the appropriate public notice set forth in appendix B of this part. Only a branch of a bank having more than one assessment area shall include the bracketed material in the notice for branch…
12 CFR §228.45 Publication of planned examination schedule
§228.45 Publication of planned examination schedule. The Board publishes at least 30 days in advance of the beginning of each calendar quarter a list of banks scheduled for CRA examinations in that quarter.
Appendix A to Part 228 – Ratings
Appendix A to Part 228—Ratings (a) Ratings in general. (1) In assigning a rating, the Board evaluates a bank’s performance under the applicable performance criteria in this part, in accordance with §§228.21 and 228.28. This includes consideration of low-cost education loans provided to low-income borrowers and activities in cooperation with minority- or women-owned financial institutions…
Appendix B to Part 228 – CRA Notice
Appendix B to Part 228—CRA Notice (a) Notice for main offices and, if an interstate bank, one branch office in each state. Community Reinvestment Act Notice Under the Federal Community Reinvestment Act (CRA), the Federal Reserve Board (Board) evaluates our record of helping to meet the credit needs of this community consistent with safe and…
12 CFR §25.11 Authority, purposes, and scope
§25.11 Authority, purposes, and scope. (a) Authority and OMB control number—(1) Authority. The authority for subparts A, B, C, D, and E is 12 U.S.C. 21, 22, 26, 27, 30, 36, 93a, 161, 215, 215a, 481, 1814, 1816, 1828(c), 1835a, 2901 through 2907, 3101 through 3111 and 5412(b)(2)(B). (2) OMB control number. The information collection requirements…
12 CFR §25.12 Definitions
§25.12 Definitions. For purposes of this part, the following definitions apply: (a) Affiliate means any company that controls, is controlled by, or is under common control with another company. The term “control” has the meaning given to that term in 12 U.S.C. 1841(a)(2), and a company is under common control with another company if both companies…
12 CFR §25.21 Performance tests, standards, and ratings, in general
§25.21 Performance tests, standards, and ratings, in general. (a) Performance tests and standards. The OCC assesses the CRA performance of a bank in an examination as follows: (1) Lending, investment, and service tests. The OCC applies the lending, investment, and service tests, as provided in §§25.22 through 25.24, in evaluating the performance of a bank, except…
12 CFR §25.22 Lending test
§25.22 Lending test. (a) Scope of test. (1) The lending test evaluates a bank’s record of helping to meet the credit needs of its assessment area(s) through its lending activities by considering a bank’s home mortgage, small business, small farm, and community development lending. If consumer lending constitutes a substantial majority of a bank’s business, the…