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Federal Register / Vol. 86, No. 178 / Friday, September 17, 2021 / Proposed Rules
Performance Evaluation, prepared by the Comptroller; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments.
You may review this information today.
At least 30 days before the beginning of each quarter, the Comptroller publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Deputy Comptroller address. You may send written comments about our performance in helping to meet community credit needs to name and address of official at bank and Deputy Comptroller address. Your letter, together with any response by us, will be considered by the Comptroller in evaluating our CRA
performance and may be made public.
You may ask to look at any comments received by the Deputy Comptroller. You may also request from the Deputy Comptroller an announcement of our applications covered by the CRA filed with the Comptroller. We are an affiliate of name of holding company, a bank holding company. You may request from the title of responsible official, Federal Reserve Bank of llll address an announcement of applications covered by the CRA filed by bank holding companies.
b Notice for branch offices.
Community Reinvestment Act Notice Under the Federal Community Reinvestment Act CRA, the Comptroller of the Currency evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations.
The Comptroller also takes this record into account when deciding on certain applications submitted by us.
Your involvement is encouraged.
You are entitled to certain information about our operations and our performance under the CRA. You may review today the public section of our most recent CRA
evaluation, prepared by the Comptroller, and a list of services provided at this branch. You may also have access to the following additional information, which we will make available to you at this branch within five calendar days after you make a request to us:
1 A map showing the assessment area containing this branch, which is the area in which the Comptroller evaluates our CRA
performance in this community; 2
information about our branches in this assessment area; 3 a list of services we provide at those locations; 4 data on our lending performance in this assessment area;
and 5 copies of all written comments received by us that specifically relate to our CRA performance in this assessment area, and any responses we have made to those comments. If we are operating under an approved strategic plan, you may also have access to a copy of the plan.
If you would like to review information about our CRA performance in other communities served by us, the public file for our entire bank is available at name of office located in state, located at address.
At least 30 days before the beginning of each quarter, the Comptroller publishes a nationwide list of the banks that are scheduled for CRA examination in that
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quarter. This list is available from the Deputy Comptroller address. You may send written comments about our performance in helping to meet community credit needs to name and address of official at bank and Deputy Comptroller address. Your letter, together with any response by us, will be considered by the Comptroller in evaluating our CRA
performance and may be made public.
You may ask to look at any comments received by the Deputy Comptroller. You may also request from the Deputy Comptroller an announcement of our applications covered by the CRA filed with the Comptroller. We are an affiliate of name of holding company, a bank holding company. You may request from the title of responsible official, Federal Reserve Bank of llll address an announcement of applications covered by the CRA filed by bank holding companies.

2. Add 12 CFR part 195 to read as follows:

PART 195COMMUNITY
REINVESTMENT ACT
Subpart AGeneral Sec.
195.11 Authority, purposes, and scope.
195.12 Definitions.
Subpart BStandards for Assessing Performance Sec.
195.21 Performance tests, standards, and ratings, in general.
195.22 Lending test.
195.23 Investment test.
195.24 Service test.
195.25 Community development test for wholesale or limited purpose savings associations.
195.26 Small savings association performance standards.
195.27 Strategic plan.
195.28 Assigned ratings.
195.29 Effect of CRA performance on applications.
Subpart CRecords, Reporting, and Disclosure Requirements Sec.
195.41 Assessment area delineation.
195.42 Data collection, reporting, and disclosure.
195.43 Content and availability of public file.
195.44 Public notice by savings associations.
195.45 Publication of planned examination schedule.
Appendix A to Part 195Ratings Appendix B to Part 195CRA Notice Authority: 12 U.S.C. 1462a, 1463, 1464, 1814, 1816, 1828c, 2901 through 2908, and 5412b2B.

Subpart AGeneral 195.11

Authority, purposes, and scope.

a Authority. This part is issued under the Community Reinvestment Act of 1977 CRA, as amended 12 U.S.C.
2901 et seq.; section 5, as amended, and
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sections 3, and 4, as added, of the Home Owners Loan Act of 1933 12 U.S.C.
1462a, 1463, and 1464; and sections 4, 6, and 18c, as amended of the Federal Deposit Insurance Act 12 U.S.C. 1814, 1816, 1828c.
b Purposes. In enacting the 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 appropriate Federal banking agency assesses a savings associations 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 savings association; and 2 Providing that the appropriate Federal banking agency takes that record into account in considering certain applications.
c Scope1 General. This part applies to all savings associations except as provided in paragraph c2 of this section.
2 Certain special purpose savings associations. This part does not apply to special purpose savings associations that do not perform commercial or retail banking services by granting credit to the public in the ordinary course of business, other than as incident to their specialized operations. These associations include bankers banks, as defined in 12 U.S.C. 24 Seventh, and associations that engage only in one or more of the following activities:
Providing cash management controlled disbursement services or serving as correspondent associations, trust companies, or clearing agents.
195.12

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.
1841a2, and a company is under common control with another company if both companies are directly or indirectly controlled by the same company.
b Area median income means:
1 The median family income for the MSA, if a person or geography is located
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