{"abstract":"The Office of the Comptroller of the Currency (OCC) is adopting a final rule to strengthen and modernize the Community Reinvestment Act (CRA) by clarifying and expanding the activities that qualify for CRA credit; updating where activities count for CRA credit; creating a more consistent and objective method for evaluating CRA performance; and providing for more timely and transparent CRA-related data collection, recordkeeping, and reporting.","action":"Final rule; temporary final rule.","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"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2020/06/05/2020-11220.html","cfr_references":[{"chapter":null,"citation_url":null,"part":25,"title":12},{"chapter":null,"citation_url":null,"part":195,"title":12}],"citation":"85 FR 34734","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This rule is effective on October 1, 2020. Banks must comply with the final amendments by October 1, 2020, January 1, 2023, or January 1, 2024, as applicable, except that appendix C to part 25 expires January 1, 2024. See SUPPLEMENTARY INFORMATION for compliance details.","disposition_notes":null,"docket_ids":["Docket ID OCC-2018-0008"],"dockets":[],"document_number":"2020-11220","effective_on":"2020-10-01","end_page":34834,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2020/06/05/2020-11220.xml","html_url":"https://www.federalregister.gov/documents/2020/06/05/2020-11220/community-reinvestment-act-regulations","images":{"ER05JN20.000":{"large":"https://img.federalregister.gov/ER05JN20.000/ER05JN20.000_large.png","original_size":"https://img.federalregister.gov/ER05JN20.000/ER05JN20.000_original_size.png"},"ER05JN20.001":{"large":"https://img.federalregister.gov/ER05JN20.001/ER05JN20.001_large.png","original_size":"https://img.federalregister.gov/ER05JN20.001/ER05JN20.001_original_size.png"}},"images_metadata":{"ER05JN20.000":{"large":{"identifier":"ER05JN20.000","content_type":"image/png","size":8497,"width":821,"sha":"1621ef62be6807ed8bbd12516c9453e5","url":"https://img.federalregister.gov/ER05JN20.000/ER05JN20.000_large.png","height":62},"original_size":{"identifier":"ER05JN20.000","content_type":"image/png","size":16622,"width":3668,"sha":"564f552c3a8bc8c3f61b0c3b0fbf1e59","url":"https://img.federalregister.gov/ER05JN20.000/ER05JN20.000_original_size.png","height":277}},"ER05JN20.001":{"large":{"identifier":"ER05JN20.001","content_type":"image/png","size":6884,"width":823,"sha":"7efa80bbcb7760c3ff7c71c021b089f3","url":"https://img.federalregister.gov/ER05JN20.001/ER05JN20.001_large.png","height":52},"original_size":{"identifier":"ER05JN20.001","content_type":"image/png","size":12780,"width":3431,"sha":"9f6a07badff0344214ff1754eed22908","url":"https://img.federalregister.gov/ER05JN20.001/ER05JN20.001_original_size.png","height":215}}},"json_url":"https://www.federalregister.gov/api/v1/documents/2020-11220?publication_date=2020-06-05","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2020-06-05/2020-11220/mods.xml","not_received_for_publication":null,"page_length":101,"page_views":{"count":15942,"last_updated":"2026-04-23 08:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2020-06-05/pdf/2020-11220.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2020-11220.pdf?1591274719","publication_date":"2020-06-05","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2020/06/05/2020-11220.txt","regulation_id_number_info":{"1557-AE34":{"issue":"202004","html_url":"https://www.federalregister.gov/regulations/1557-AE34/community-reinvestment-act-regulations","title":"Community Reinvestment Act Regulations","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202004&RIN=1557-AE34&operation=OPERATION_EXPORT_XML","priority_category":"Economically Significant"}},"regulation_id_numbers":["1557-AE34"],"regulations_dot_gov_info":{"supporting_documents":[{"title":"Summary of February 19, 2020 Meeting with Reid Temple Community Development Corporation","document_id":"OCC-2018-0008-2547"},{"title":"Summary of March 16, 2020, Meeting with Independent Community Bankers of America (ICBA)","document_id":"OCC-2018-0008-2331"},{"title":"Summary of January 28, 2020 Meeting with Michael Morris of National Disability Institute","document_id":"OCC-2018-0008-2330"},{"title":"Summary of February 3, 2020 Meeting with Consumer Bankers Association CRA Committee","document_id":"OCC-2018-0008-2325"},{"title":"Summary of March 17, 2020, Meeting with the Consumer Bankers Association","document_id":"OCC-2018-0008-2275"},{"title":"Summary of January 22, 2020 National Diversity Coalition Town Meeting","document_id":"OCC-2018-0008-2272"},{"title":"Summary of January 21, 2020 National Diversity Coalition Town Meeting","document_id":"OCC-2018-0008-2271"},{"title":"Summary of January 14 to February 18, 2020 Feedback from Calls to NCRC Member Organizations","document_id":"OCC-2018-0008-2270"},{"title":"Summary of February 28, 2020 Meeting with Digital Inclusion Alliance","document_id":"OCC-2018-0008-2269"},{"title":"Summary of February 24, 2020 Meeting with National Diversity Coalition","document_id":"OCC-2018-0008-2268"}],"regulatory_plan":{"html_url":"https://www.federalregister.gov/regulations/1557-AE34/community-reinvestment-act-regulations","title":"Community Reinvestment Act Regulations"},"comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=OCC-2018-0008","supporting_documents_count":63,"docket_id":"OCC-2018-0008","regulation_id_number":"1557-AE34","title":"Community Reinvestment Act Regulations","checked_regulationsdotgov_at":"2020-06-08T03:30:07Z"},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":34734,"subtype":null,"title":"Community Reinvestment Act Regulations","toc_doc":"Community Reinvestment Act Regulations","toc_subject":null,"topics":["Community development","Credit","Investments","National banks","Reporting and recordkeeping requirements","Savings associations"],"type":"Rule","volume":85}