12 CFR §25.27 Strategic Plan
§25.27 Strategic plan. (a) Alternative election. The OCC will assess a bank’s record of helping to meet the credit needs of its assessment area(s) under a strategic plan if: (1) The bank has submitted the plan to the OCC as provided for in this section; (2) The OCC has approved the plan; (3) The plan is…
12 CFR §25.28 Assigned ratings
§25.28 Assigned ratings. (a) Ratings in general. Subject to paragraphs (b) and (c) of this section, the OCC assigns to a bank a rating of “outstanding,” “satisfactory,” “needs to improve,” or “substantial noncompliance” based on the bank’s performance under the lending, investment and service tests, the community development test, the small bank performance standards, or an…
12 CFR §25.29 Effect of CRA performance on applications
§25.29 Effect of CRA performance on applications. (a) CRA performance. Among other factors, the OCC takes into account the record of performance under the CRA of each applicant bank in considering an application for: (1) The establishment of a domestic branch; (2) The relocation of the main office or a branch; (3) Under the Bank Merger…
12 CFR §25.41 Assessment area delineation
§25.41 Assessment area delineation. (a) In general. A bank shall delineate one or more assessment areas within which the OCC evaluates the bank’s record of helping to meet the credit needs of its community. The OCC does not evaluate the bank’s delineation of its assessment area(s) as a separate performance criterion, but the OCC reviews the…
12 CFR §25.42 Data collection, reporting, and disclosure
§25.42 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 OCC) until the completion of its next CRA examination, the following data for each small business or small farm loan originated or purchased…
12 CFR §25.43 Content and availability of public file
§25.43 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 §25.44 Public notice by banks
§25.44 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 §25.45 Publication of planned examination schedule
§25.45 Publication of planned examination schedule. The OCC 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.
12 CFR §25.61 Purpose and scope
§25.61 Purpose and scope. (a) Purpose. The purpose of this subpart is to implement section 109 (12 U.S.C. 1835a) of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 (Interstate Act). (b) Scope. (1) This subpart applies to any national bank that has operated a covered interstate branch for a period of at least one…
12 CFR §25.62 Definitions
§25.62 Definitions. For purposes of this subpart, the following definitions apply: (a) Bank means, unless the context indicates otherwise: (1) A national bank; and (2) A foreign bank as that term is defined in 12 U.S.C. 3101(7) and 12 CFR 28.11(j). (b) Covered interstate branch means: (1) Any branch of a national bank, and any Federal…