Summary
This bulletin informs banks1 of the appropriate names and addresses for notices required by the Community Reinvestment Act (CRA) and Equal Credit Opportunity Act, and for posters required by the Fair Housing Act. Banks should make the appropriate changes to their notices and posters, if necessary, within 90 days of this bulletin’s date of issuance.
Rescission
This bulletin rescinds OCC Bulletin 2021-35, “Community Reinvestment Act, Fair Housing Act, and Equal Credit Opportunity Act: OCC Contact Information for Certain Notices and Posters.”
Note for Community Banks
This bulletin applies to all banks subject to the CRA.
Community Reinvestment Act—Public Notice by Banks
12 CFR 25.44 (March 29, 2024) requires banks to provide the public with the notice set forth in 12 CFR 25, appendix F.
The CRA public notices must include the physical address of the appropriate Office of the Comptroller of the Currency (OCC) supervisory office and an email address for purposes of informing the public how to (1) obtain a list of banks that are scheduled for CRA examination each quarter, (2) obtain an announcement of bank applications covered by the CRA filed with the OCC, or (3) send written comments about the needs and opportunities in any of the bank’s assessment areas.
The email address for all banks is CRAComments@occ.treas.gov.
| Large Bank Supervision Deputy Comptroller Large Bank Supervision Office of the Comptroller of the Currency 400 7th St. SW Washington, DC 20219 | Midsize and Trust Supervision Deputy Comptroller Midsize Bank Supervision Office of the Comptroller of the Currency 400 7th St. SW Washington, DC 20219 | |
| East Region Deputy Comptroller East Region Office of the Comptroller of the Currency 7 Times Square, 10th Floor New York, NY 10036 | Midwest Region Deputy Comptroller Midwest Region Office of the Comptroller of the Currency 1050 17th St., Suite 1500 Denver, CO 80265 | |
| Northeast Region Deputy Comptroller Northeast Region Office of the Comptroller of the Currency 7 Times Square, 10th Floor New York, NY 10036 | South Region Deputy Comptroller South Region Office of the Comptroller of the Currency 1700 Pacific Ave., Suite 3600 Dallas, TX 75201 | |
| Southeast Region Deputy Comptroller Southeast Region Office of the Comptroller of the Currency 1700 Pacific Ave., Suite 3600 Dallas, TX 75201 | West Region Deputy Comptroller West Region Office of the Comptroller of the Currency 1050 17th St., Suite 1500 Denver, CO 80265 |
Fair Housing Act—Posters
Banks must post and maintain fair housing posters at all of their places of business that participate in the activities subject to the Fair Housing Act2. Federal savings associations are required to include in their posters a statement directing persons who believe that they have been discriminated against to send a complaint to the Assistant Secretary for Fair Housing and Equal Opportunity, U.S. Department of Housing and Urban Development, Washington, DC 20410, and to the appropriate federal regulator.3
Banks should use the following address in their Fair Housing Act posters:
Office of the Comptroller of the Currency
Customer Assistance Group
P.O. Box 53570
Houston, TX 77052
Regulation B—Equal Credit Opportunity Act Notice
Banks with $10 billion or less in assets must provide a notice that is substantially similar to the following statement:4
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Protection Act. The federal agency that administers compliance with this law concerning this creditor is:
Office of the Comptroller of the Currency
Customer Assistance Group
P.O. Box 53570
Houston, TX 77052
Banks with more than $10 billion in assets must provide a notice that is substantially similar to the following statement:5
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Protection Act. The federal agency that administers compliance with this law concerning this creditor is:
Consumer Financial Protection Bureau
1700 G St. NW
Washington, DC 20006
Further Information
Please contact your supervisory office or call Onjil McEachin, Director for CRA and Fair Lending Policy, Bank Supervision Policy, at (202) 649-5470.
Grovetta N. Gardineer
Senior Deputy Comptroller for Bank Supervision Policy
1 “Banks” refers collectively to national banks, federal savings associations, and federal branches and agencies of foreign banking organizations.
2 Refer to 24 CFR 110.10(c).
3 Refer to 12 CFR 128.5(b).
4 Refer to 12 CFR 1002.9(b)(1).
5 The Consumer Financial Protection Bureau administers Equal Credit Opportunity Act compliance for banks with more than $10 billion in assets.