{"abstract":"The Office of the Comptroller of the Currency (OCC), the Board of Governors of the Federal Reserve System (Board), and the Federal Deposit Insurance Corporation (FDIC) (together referred to as the agencies, and each, individually, the agency) are issuing this supplemental rulemaking related to the agencies' Community Reinvestment Act (CRA) final rule issued on October 24, 2023, and published in the Federal Register on February 1, 2024 (2023 CRA Final Rule). The rulemaking has two components. First, the agencies are adopting an interim final rule that amends, and requests comment on, the applicability date of the facility-based assessment areas provision and public file provision included in the 2023 CRA Final Rule. Second, the agencies are adopting a final rule that makes technical amendments to the 2023 CRA Final Rule and related regulations. In addition to the rulemaking, this document makes a correction to the preamble to the 2023 CRA Final Rule regarding the OCC's Unfunded Mandates Reform Act (UMRA) regulatory analysis.","action":"Interim final rule; technical amendments; correction.","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/2024/03/29/2024-06497.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"24","title":12},{"chapter":null,"citation_url":null,"part":"25","title":12},{"chapter":null,"citation_url":null,"part":"35","title":12},{"chapter":null,"citation_url":null,"part":"192","title":12},{"chapter":null,"citation_url":null,"part":"207","title":12},{"chapter":null,"citation_url":null,"part":"228","title":12},{"chapter":null,"citation_url":null,"part":"345","title":12},{"chapter":null,"citation_url":null,"part":"346","title":12}],"citation":"89 FR 22060","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"Effective date: This rule (including interim final rule and technical amendments) is effective on April 1, 2024.","disposition_notes":null,"docket_ids":["Docket ID OCC-2022-0002","Regulation BB","Docket No. R-1830"],"dockets":[{"supporting_documents":[{"title":"Summary of 02.16.2023 Meeting with Digital Banks","document_id":"OCC-2022-0002-0686"},{"title":"Summary of the Agencies' 11.09.22 Meeting with Greenlining Institute, Public Citizen, and Americans for Financial Reform Education Fund","document_id":"OCC-2022-0002-0685"},{"title":"Summary of the Agencies' 11.21.22 Meeting with National Community Reinvestment Coalition","document_id":"OCC-2022-0002-0683"},{"title":"Summary of the Agencies' 11.22.2022 Meeting with Mortgage Bankers Association","document_id":"OCC-2022-0002-0681"},{"title":"Summary of the Agencies' 10.07.2022 Meeting with Representatives of Ceres","document_id":"OCC-2022-0002-0680"},{"title":"Summary of the Agencies' 10.06.2022 Meeting with Representatives of Better Markets","document_id":"OCC-2022-0002-0678"},{"title":"Summary of the Agencies' 10.04.22 Meeting with Affordable Housing Organizations","document_id":"OCC-2022-0002-0677"},{"title":"Summary of 7.29.22 Meeting with Altura Capital","document_id":"OCC-2022-0002-0564"},{"title":"Summary of the Agencies' 8.4.22 Meeting with MidFirst Bank and the Bank’s Outside Counsel","document_id":"OCC-2022-0002-0563"},{"title":"Summary of the Agencies’ 8.4.22 Meeting with MidFirst Bank and the Bank’s Outside Counsel","document_id":"OCC-2022-0002-0562"}],"agency_name":"OCC","documents":[{"comment_count":5,"comment_start_date":"2024-03-29","updated_at":"2024-09-03T16:50:27.457-04:00","comment_url":"https://www.regulations.gov/commenton/OCC-2022-0002-0693","allow_late_comments":false,"id":"OCC-2022-0002-0693","comment_end_date":"2024-05-14","regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":34,"id":"OCC-2022-0002","title":"Community Reinvestment Act Regulations"}],"document_number":"2024-06497","effective_on":"2024-04-01","end_page":22069,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2024/03/29/2024-06497.xml","html_url":"https://www.federalregister.gov/documents/2024/03/29/2024-06497/community-reinvestment-act-supplemental-rule","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2024-06497?publication_date=2024-03-29","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2024-03-29/2024-06497/mods.xml","not_received_for_publication":null,"page_length":10,"page_views":{"count":3255,"last_updated":"2026-07-27 12:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-03-29/pdf/2024-06497.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-06497.pdf?1711629916","publication_date":"2024-03-29","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2024/03/29/2024-06497.txt","regulation_id_number_info":{"3064-AG03":null,"1557-AF26":null,"7100-AG75":null},"regulation_id_numbers":["1557-AF26","3064-AG03","7100-AG75"],"regulations_dot_gov_info":{"supporting_documents":[{"title":"Summary of 02.16.2023 Meeting with Digital Banks","document_id":"OCC-2022-0002-0686"},{"title":"Summary of the Agencies' 11.09.22 Meeting with Greenlining Institute, Public Citizen, and Americans for Financial Reform Education Fund","document_id":"OCC-2022-0002-0685"},{"title":"Summary of the Agencies' 11.21.22 Meeting with National Community Reinvestment Coalition","document_id":"OCC-2022-0002-0683"},{"title":"Summary of the Agencies' 11.22.2022 Meeting with Mortgage Bankers Association","document_id":"OCC-2022-0002-0681"},{"title":"Summary of the Agencies' 10.07.2022 Meeting with Representatives of Ceres","document_id":"OCC-2022-0002-0680"},{"title":"Summary of the Agencies' 10.06.2022 Meeting with Representatives of Better Markets","document_id":"OCC-2022-0002-0678"},{"title":"Summary of the Agencies' 10.04.22 Meeting with Affordable Housing Organizations","document_id":"OCC-2022-0002-0677"},{"title":"Summary of 7.29.22 Meeting with Altura Capital","document_id":"OCC-2022-0002-0564"},{"title":"Summary of the Agencies' 8.4.22 Meeting with MidFirst Bank and the Bank’s Outside Counsel","document_id":"OCC-2022-0002-0563"},{"title":"Summary of the Agencies’ 8.4.22 Meeting with MidFirst Bank and the Bank’s Outside Counsel","document_id":"OCC-2022-0002-0562"}],"comments_count":5,"agency_id":"OCC","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=OCC-2022-0002","supporting_documents_count":34,"docket_id":"OCC-2022-0002","document_id":"OCC-2022-0002-0693","regulation_id_number":null,"title":"Community Reinvestment Act Regulations","checked_regulationsdotgov_at":"2024-05-15T01:00:06Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":22060,"subtype":null,"title":"Community Reinvestment Act; Supplemental Rule","toc_doc":"Community Reinvestment Act; Supplemental Rule","toc_subject":null,"topics":["Banks, banking","Community development","Credit","Freedom of information","Holding companies","Investments","Low and moderate income housing","Manpower","Reporting and recordkeeping requirements","Rural areas","Savings associations","Securities","Small businesses"],"type":"Rule","volume":89}