United States Government Publishing Office publisher pbl distributor dst United States National Archives and Records Administration Office of the Federal Register author aut Government Organization text government publication eng FR Regulatory Information 2016_register executive 2021-09-07 article Part II Rules and Regulations D09002ee1c7f564fa D09002ee1c7f568a8 United States Department of the Treasury originator org United States Government Agency or Subagency United States Office of the Comptroller of the Currency originator org United States Government Agency or Subagency United States Federal Reserve System originator org United States Government Agency or Subagency United States Federal Deposit Insurance Corporation originator org United States Government Agency or Subagency The OCC, Board, and FDIC (the Agencies) are adopting as final revisions to the Interagency Questions and Answers Regarding Community Reinvestment (Questions and Answers) based on the proposal issued on September 10, 2014 addressing alternative systems for delivering retail banking services; community development-related issues; and the qualitative aspects of performance, including innovative or flexible lending practices and the responsiveness and innovativeness of an institution's loans, qualified investments, and community development services. The Agencies are clarifying nine of the 10 proposed questions and answers (Q&A), revising four existing Q&As for consistency, and adopting two new Q&As. The Agencies are not adopting one of the proposed revisions to guidance that addressed the availability and effectiveness of retail banking services. Finally, the Agencies are making technical corrections to the Questions and Answers to update cross-references and remove references related to the Office of Thrift Supervision (OTS) as obsolete. The Agencies are publishing all of the new and revised Q&As, as well as those Q&As that were published in 2010 and 2013 and that remain in effect in this final guidance. 81 FR 48506 https://www.govinfo.gov/app/details/FR-2016-07-25/2016-16693 2016-16693 fr25jy16-14 4810-33-P 6210-01-P 6714-01-P Docket ID OCC-2014-0021 Docket No. OP-1497 https://www.govinfo.gov/app/details/FR-2016-07-25/2016-16693 https://www.govinfo.gov/content/pkg/FR-2016-07-25/html/2016-16693.htm https://www.govinfo.gov/content/pkg/FR-2016-07-25/pdf/2016-16693.pdf 51 p. 48506 48556 81 FR 48506 Title 12 Part 195 12 CFR Part 195 Title 12 Part 228 12 CFR Part 228 Title 12 Part 25 12 CFR Part 25 Title 12 Part 345 12 CFR Part 345 Community Reinvestment Act; Interagency Questions and Answers Regarding Community Reinvestment; Guidance; Federal Register Vol. 81, Issue RULE 2016-16693 II DEPARTMENT OF THE TREASURY Office of the Comptroller of the Currency FEDERAL RESERVE SYSTEM FEDERAL DEPOSIT INSURANCE CORPORATION 2016-07-25 Docket ID OCC-2014-0021 Docket No. OP-1497 4810-33-P 6210-01-P 6714-01-P 2016-16693 Guidance on the interpretation and application of the Community Reinvestment Act regulations.

The OCC, Board, and FDIC (the Agencies) are adopting as final revisions to the Interagency Questions and Answers Regarding Community Reinvestment (Questions and Answers) based on the proposal issued on September 10, 2014 addressing alternative systems for delivering retail banking services; community development-related issues; and the qualitative aspects of performance, including innovative or flexible lending practices and the responsiveness and innovativeness of an institution's loans, qualified investments, and community development services. The Agencies are clarifying nine of the 10 proposed questions and answers (Q&A), revising four existing Q&As for consistency, and adopting two new Q&As. The Agencies are not adopting one of the proposed revisions to guidance that addressed the availability and effectiveness of retail banking services. Finally, the Agencies are making technical corrections to the Questions and Answers to update cross-references and remove references related to the Office of Thrift Supervision (OTS) as obsolete. The Agencies are publishing all of the new and revised Q&As, as well as those Q&As that were published in 2010 and 2013 and that remain in effect in this final guidance.

This document goes into effect on July 25, 2016. OCC: Bobbie K. Kennedy, Bank Examiner, Compliance Policy Division, (202) 649-5470; Vonda Eanes, National Bank Examiner and District Community Affairs Officer, Community Affairs, (202) 649-6420; or Margaret Hesse, Senior Counsel, Community and Consumer Law Division, (202) 649-6350, Office of the Comptroller of the Currency, 400 7th Street SW., Washington, DC 20219. Guidance: Interagency Questions and Answers Regarding Community Reinvestment , CRACOMMENTS@OCC.TREAS.GOV CRAHELP@FRB.GOV CRASUB@FRB.GOV http://www.bls.gov/bls/blswage.htm http://www.fema.gov http://www.ffiec.gov http://www.ffiec.gov/cra http://www.ffiec.gov/cra.htm http://www.occ.gov http://www.occ.treas.gov https://www2.fdic.gov/sod/ Vol. 81, no. 142 Office of the Federal Register, National Archives and Records Administration 2016-07-25 continuing daily deposited born digital 377 p. Table of Contents: AE 2.7: GS 4.107: AE 2.106: KF70.A2 https://www.govinfo.gov/app/details/FR-2016-07-25 P0b002ee1b068a0e5 0097-6326 0042-1219 0364-1406 769-004-00000-9 000582072 f:fr25jy16 https://www.govinfo.gov/app/details/FR-2016-07-25 https://www.govinfo.gov/content/pkg/FR-2016-07-25/pdf/FR-2016-07-25.pdf https://www.govinfo.gov/content/pkg/FR-2016-07-25/xml/FR-2016-07-25.xml fdlp 48315 48685 DGPO 2021-09-07 2024-06-01 FR-2016-07-25 machine generated eng FR FR-2016-07-25 81 142