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Federal Register / Vol. 86, No. 178 / Friday, September 17, 2021 / Proposed Rules statements that reflect adversely on the good name or reputation of any persons other than the savings association or publication of which would violate specific provisions of law;
2 A copy of the public section of the savings associations most recent CRA
Performance Evaluation prepared by the appropriate Federal banking agency.
The savings association shall place this copy in the public file within 30
business days after its receipt from the appropriate Federal banking agency;
3 A list of the savings associations branches, their street addresses, and geographies;
4 A list of branches opened or closed by the savings association during the current year and each of the prior two calendar years, their street addresses, and geographies;
5 A list of services including hours of operation, available loan and deposit products, and transaction fees generally offered at the savings associations branches and descriptions of material differences in the availability or cost of services at particular branches, if any.
At its option, a savings association may include information regarding the availability of alternative systems for delivering retail banking services e.g., ATMs, ATMs not owned or operated by or exclusively for the savings association, banking by telephone or computer, loan production offices, and bank-at-work or bank-by-mail programs;
6 A map of each assessment area showing the boundaries of the area and identifying the geographies contained within the area, either on the map or in a separate list; and 7 Any other information the savings association chooses.
b Additional information available to the public1 Savings associations other than small savings associations. A
savings association, except a small savings association or a savings association that was a small savings association during the prior calendar year, shall include in its public file the following information pertaining to the savings association and its affiliates, if applicable, for each of the prior two calendar years:
i If the savings association has elected to have one or more categories of its consumer loans considered under the lending test, for each of these categories, the number and amount of loans:
A To low-, moderate-, middle-, and upper-income individuals;
B Located in low-, moderate-, middle-, and upper-income census tracts; and
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C Located inside the savings associations assessment areas and outside the savings associations assessment areas; and ii The savings associations CRA
Disclosure Statement. The savings association shall place the statement in the public file within three business days of its receipt from the appropriate Federal banking agency.
2 Savings associations required to report Home Mortgage Disclosure Act HMDA data. A savings association required to report home mortgage loan data pursuant part 1003 of this title shall include in its public file a written notice that the institutions HMDA
Disclosure Statement may be obtained on the Consumer Financial Protection Bureaus Bureaus website at www.consumerfinance.gov/hmda. In addition, a savings association that elected to have the appropriate Federal banking agency consider the mortgage lending of an affiliate shall include in its public file the name of the affiliate and a written notice that the affiliates HMDA Disclosure Statement may be obtained at the Bureaus website. The savings association shall place the written notices in the public file within three business days after receiving notification from the Federal Financial Institutions Examination Council of the availability of the disclosure statements.
3 Small savings associations. A
small savings association or a savings association that was a small savings association during the prior calendar year shall include in its public file:
i The savings associations loan-todeposit ratio for each quarter of the prior calendar year and, at its option, additional data on its loan-to-deposit ratio; and ii The information required for other savings associations by paragraph b1
of this section, if the savings association has elected to be evaluated under the lending, investment, and service tests.
4 Savings associations with strategic plans. A savings association that has been approved to be assessed under a strategic plan shall include in its public file a copy of that plan. A savings association need not include information submitted to the appropriate Federal banking agency on a confidential basis in conjunction with the plan.
5 Savings associations with less than satisfactory ratings. A savings association that received a less than satisfactory rating during its most recent examination shall include in its public file a description of its current efforts to improve its performance in helping to meet the credit needs of its entire
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community. The savings association shall update the description quarterly.
c Location of public information. A
savings association shall make available to the public for inspection upon request and at no cost the information required in this section as follows:
1 At the main office and, if an interstate savings association, at one branch office in each state, all information in the public file; and 2 At each branch:
i A copy of the public section of the savings associations most recent CRA
Performance Evaluation and a list of services provided by the branch; and ii Within five calendar days of the request, all the information in the public file relating to the assessment area in which the branch is located.
d Copies. Upon request, a savings association shall provide copies, either on paper or in another form acceptable to the person making the request, of the information in its public file. The savings association may charge a reasonable fee not to exceed the cost of copying and mailing if applicable.
e Updating. Except as otherwise provided in this section, a savings association shall ensure that the information required by this section is current as of April 1 of each year.
195.44 Public notice by savings associations.

A savings association 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 savings association having more than one assessment area shall include the bracketed material in the notice for branch offices. Only a savings association that is an affiliate of a holding company shall include the last two sentences of the notices.
195.45 Publication of planned examination schedule.

The appropriate Federal banking agency publishes at least 30 days in advance of the beginning of each calendar quarter a list of savings associations scheduled for CRA
examinations in that quarter.
Appendix A to Part 195Ratings a Ratings in general. 1 In assigning a rating, the appropriate Federal banking agency evaluates a savings associations performance under the applicable performance criteria in this part, in accordance with 195.21 and 195.28. This includes consideration of low-cost education loans provided to low-income borrowers and activities in cooperation with minorityor women-owned financial institutions and low-income credit unions, as well as
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