Notice of Proposed Rulemaking: Community Reinvestment Act Regulations

Updated 12/02/2020

This tool summarizes the OCC’s Notice of Proposed Rulemaking regarding Community Reinvestment Act Regulations (“CRA”). The OCC requests comment on its proposed approach to determine the CRA evaluation measure benchmarks, retail lending distribution test thresholds, and community development minimums under the general performance standards. The proposal further explains how the OCC would assess significant declines in CRA activities levels connected with performance context following the initial establishment of the benchmarks, thresholds, and minimums. Finally, the proposed rule would make clarifying and technical amendments to the CRA final rule.

The OCC invites comments on all aspects of this proposal. The OCC specifically requests comments on the proposed approach to determine the CRA evaluation measure benchmarks, retail lending distribution test thresholds, and CD minimums under the Community Reinvestment Act’s general performance standards. The OCC also seeks comment on its proposal to amend the CRA final rule to consider declines of ten percent or greater on a bank’s performance under the general performance standards following the establishment of the benchmarks, thresholds, and minimums.

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