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Federal Register / Vol. 86, No. 178 / Friday, September 17, 2021 / Proposed Rules another form acceptable to the person making the request, of the information in its public file. A bank would ensure that this information is current as of April 1 of each year.
OCC Title of Information Collection:
Community Reinvestment Act.
Frequency: On Occasion.
Affected Public: Businesses or other for-profit.
Total estimated annual burden:
113,351 hours.
Comments are invited on:
a. Whether the collections of information are necessary for the proper performance of the OCCs functions, including whether the information has practical utility;
b. The accuracy or the estimate of the burden of the information collections, including the validity of the methodology and assumptions used;
c. Ways to enhance the quality, utility, and clarity of the information to be collected;
d. Ways to minimize the burden of the information collections on respondents, including through the use of automated collection techniques or other forms of information technology; and e. Estimates of capital or startup costs and costs of operation, maintenance, and purchase of services to provide information.
C. Unfunded Mandates Reform Act of 1995

D. Riegle Community Development and Regulatory Improvement Act Pursuant to section 302a of the Riegle Community Development and Regulatory Improvement Act of 1994 12
U.S.C. 4802a, in determining the effective date and administrative compliance requirements for new rules that impose additional reporting,
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List of Subjects
Community development, Credit, Investments, National banks, Reporting and recordkeeping requirements, Savings associations.
12 CFR Part 195

For the reasons discussed in the preamble, and under the authority of 12
U.S.C. 93a, the Office of the Comptroller of the Currency proposes to amend 12
CFR part 25 and proposes to add part 195 as follows:
1. Part 25 is revised to read as follows:

PART 25COMMUNITY
REINVESTMENT ACT AND
INTERSTATE DEPOSIT PRODUCTION
REGULATIONS
Subpart AGeneral Sec.
25.11
25.12

Authority, purposes, and scope.
Definitions.

Subpart BStandards for Assessing Performance Sec.
25.21 Performance tests, standards, and ratings, in general.
25.22 Lending test.
25.23 Investment test.
25.24 Service test.
25.25 Community development test for wholesale or limited purpose banks.
25.26 Small bank performance standards.
25.27 Strategic plan.
25.28 Assigned ratings.
25.29 Effect of CRA performance on applications.

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Subpart D Reserved Subpart EProhibition Against Use of Interstate Branches Primarily for Deposit Production Sec.
25.61 Purpose and scope.
25.62 Definitions.
25.63 Loan-to-deposit ratio screen.
25.64 Credit needs determination.
25.65 Sanctions.
Appendix A to Part 25Ratings
Authority: 12 U.S.C. 21, 22, 26, 27, 30, 36, 93a, 161, 215, 215a, 481, 1814, 1816, 1828c, 1835a, 2901 through 2908, and 3101 through 3111.

Subpart AGeneral 25.11

Banks, Banking, Community development, Credit, Investments, Reporting and recordkeeping requirements.

Subpart CRecords, Reporting, and Disclosure Requirements Sec.
25.41 Assessment area delineation.
25.42 Data collection, reporting, and disclosure.
25.43 Content and availability of public file.
25.44 Public notice by banks.
25.45 Publication of planned examination schedule.

Appendix B to Part 25CRA Notice
12 CFR Part 25

Authority and Issuance
The OCC considers whether a proposed rule includes a Federal mandate, under the Unfunded Mandates Reform Act of 1995 UMRA 2 U.S.C.
1501 et seq., that may result in the expenditure by State, local, and tribal governments, in the aggregate, or by the private sector, of $100 million or more in any one year $158 million as adjusted annually for inflation. The UMRA does not apply to rules that incorporate requirements specifically set forth in law.
The OCC estimates that expenditures associated with mandates in the proposed rules would be approximately $6 million. Therefore, the OCC
concludes the proposed rules would not result in an expenditure of $158 million or more annually by State, local, and tribal governments or by the private sector.

VerDate Sep<11>2014

disclosure, or other requirements on insured depository institutions, the OCC
will consider, consistent with principles of safety and soundness and the public interest 1 any administrative burdens that the proposed rules would place on depository institutions, including small depository institutions and customers of depository institutions; and 2 the benefits of the proposed rules. The OCC
requests comment on 1 any administrative burdens that the proposed rules would place on depository institutions, including small depository institutions, and their customers and 2 the benefits of the proposed rules that the OCC should consider in determining the effective date and administrative compliance requirements for any final rules.

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Authority, purposes, and scope.

a Authority and OMB control number1 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, 1828c, 1835a, 2901 through 2907, and 3101
through 3111.
2 OMB control number. The information collection requirements contained in this part were approved by the Office of Management and Budget under the provisions of 44 U.S.C. 3501
et seq. and have been assigned OMB
control number 15570160.
b Purposes. In enacting the Community Reinvestment Act CRA, the Congress required each appropriate Federal financial supervisory agency to assess an institutions record of helping to meet the credit needs of the local communities in which the institution is chartered, consistent with the safe and sound operation of the institution, and to take this record into account in the agencys evaluation of an application for a deposit facility by the institution. This part is intended to carry out the purposes of the CRA by:
1 Establishing the framework and criteria by which the Office of the Comptroller of the Currency OCC
assesses a banks record of helping to meet the credit needs of its entire community, including lowand moderate-income neighborhoods, consistent with the safe and sound operation of the bank; and
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