{"abstract":"The OCC, Board, and FDIC (the Agencies) are adopting as final revisions to the Interagency Questions and Answers Regarding Community Reinvestment (Questions and Answers) based on the proposal issued on September 10, 2014 addressing alternative systems for delivering retail banking services; community development-related issues; and the qualitative aspects of performance, including innovative or flexible lending practices and the responsiveness and innovativeness of an institution's loans, qualified investments, and community development services. The Agencies are clarifying nine of the 10 proposed questions and answers (Q&A), revising four existing Q&As for consistency, and adopting two new Q&As. The Agencies are not adopting one of the proposed revisions to guidance that addressed the availability and effectiveness of retail banking services. Finally, the Agencies are making technical corrections to the Questions and Answers to update cross-references and remove references related to the Office of Thrift Supervision (OTS) as obsolete. The Agencies are publishing all of the new and revised Q&As, as well as those Q&As that were published in 2010 and 2013 and that remain in effect in this final guidance.","action":"Guidance on the interpretation and application of the Community Reinvestment Act regulations.","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2016/07/25/2016-16693.html","cfr_references":[{"chapter":null,"citation_url":null,"part":25,"title":12},{"chapter":null,"citation_url":null,"part":195,"title":12},{"chapter":null,"citation_url":null,"part":228,"title":12},{"chapter":null,"citation_url":null,"part":345,"title":12}],"citation":"81 FR 48506","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This document goes into effect on July 25, 2016.","disposition_notes":null,"docket_ids":["Docket ID OCC-2014-0021","Docket No. OP-1497"],"dockets":[],"document_number":"2016-16693","effective_on":"2016-07-25","end_page":48556,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2016/07/25/2016-16693.xml","html_url":"https://www.federalregister.gov/documents/2016/07/25/2016-16693/community-reinvestment-act-interagency-questions-and-answers-regarding-community-reinvestment","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2016-16693?publication_date=2016-07-25","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2016-07-25/2016-16693/mods.xml","not_received_for_publication":null,"page_length":51,"page_views":{"count":13026,"last_updated":"2026-08-23 20:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2016-07-25/pdf/2016-16693.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2016-16693.pdf?1469191538","publication_date":"2016-07-25","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2016/07/25/2016-16693.txt","regulation_id_number_info":{},"regulation_id_numbers":[],"regulations_dot_gov_info":{"supporting_documents":[],"comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=OCC-2014-0021","supporting_documents_count":0,"docket_id":"OCC-2014-0021","regulation_id_number":null,"title":"Community Reinvestment Act; Interagency Questions and Answers Regarding Community Reinvestment","checked_regulationsdotgov_at":"2016-08-14T06:00:13Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":48506,"subtype":null,"title":"Community Reinvestment Act; Interagency Questions and Answers Regarding Community Reinvestment; Guidance","toc_doc":"Interagency Questions and Answers Regarding Community Reinvestment","toc_subject":"Guidance:","topics":[],"type":"Rule","volume":81}