Public Information Available for Inspection. BankersOnline is a free service made possible by the generous support of our advertisers and sponsors. Upon request, a bank shall provide copies, either on paper or in another form acceptable to the person making the request, of the information in its public file. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank. An official website of the United States government. in a separate list. This list must note any significant differences in services at This bulletin rescinds OCC Bulletin 2020-3, Community Reinvestment Act: Notice of Proposed Rulemaking, and OCC Bulletin 2020-4, Community Reinvestment Act: Request for Public Input.. particular branches. is available with paragraph structure matching the official CFR (ii) Within five calendar days of the request, all the information in the public file relating to the assessment area in which the branch is located. The CRA Public File is comprised of the following sections: CRA Mission Statement. Banks required to report Home Mortgage Disclosure Act (HMDA) data. Section 228.44 Public notice by banks After obtaining and considering public comment, NSF will prepare the submission requesting Office of Management and Budget (OMB) clearance of this collection for no longer than 3 years. GPS banks will be required to collect, maintain, and report certain data related to their qualifying activities, certain non-qualifying activities, retail domestic deposits, performance context, and assessment areas. A bank, except a small bank or a bank that was a small bank during the prior calendar year, shall include in its public file the following information pertaining to the bank and its affiliates, if applicable, for each of the prior two calendar years: (i) If the bank has elected to have one or more categories of its consumer loans considered under the lending test, for each of these categories, the number and amount of loans: (A) To low-, moderate-, middle-, and upper-income individuals; (B) Located in low-, moderate-, middle-, and upper-income census tracts; and, (C) Located inside the bank's assessment area(s) and outside the bank's assessment area(s); and. Report a problem or mistake on this page. The bank shall place this copy in the public file within 30 business days after its receipt from the Board; (3) A list of the bank's branches, their street addresses, and geographies; (4) A list of branches opened or closed by the bank during the current year and each of the prior two calendar years, their street addresses, and geographies; (5) A list of services (including hours of operation, available loan and deposit products, and transaction fees) generally offered at the bank's branches and descriptions of material differences in the availability or cost of services at particular branches, if any. At each branch: If the bank is located in multiple states (an interstate bank), CRA public files must be maintained at one branch office in each state. The assessment areas delineated by Truist represent the communities we serve. Additionally, the bank can include other information it wishes to include in the public file.First published on BankersOnline.com 7/19/10. will also bring you to search results. evaluations under CRA. A bank that has been approved to be assessed under a strategic plan shall include in its public file a copy of that plan. Transition Period 12. Grovetta N. Gardineer For the current year and two previous years, all written comments from Advertisers and sponsors are not responsible for site content. Refer to the Federal Branches and Agencies Supervision booklet of the Comptrollers Handbook for more information regarding the applicability of laws, regulations, and guidance to federal branches and agencies. [Reg. As explained in this video, certain information must be kept in each bank's . Please help us keep BankersOnline FREE to all banking professionals. or existing codification. current year and previous two years. (1) Banks other than small banks. 3 The small bank and intermediate bank asset size thresholds shall be adjusted annually and published by the OCC based on the year-to-year change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers, not seasonally adjusted, for each 12-month period ending in November, with rounding to the nearest $100,000. A bank operating under an approved strategic plan may receive consideration for outside qualifying activities by establishing a separate goal for those activities. If you have questions for the Agency that issued the current document please contact the agency directly. The goal for outside qualifying activities will be judged independently of the goals established for delineated assessment area(s). Adam Witmer is a speaker, author, and founder of the Compliance Cohort. You can ask to inspect this file, at no charge to you, any time the bank is open. The bank shall place the written notice(s) in the public file within three business days after receiving notification from the Federal Financial Institutions Examination Council of the availability of the disclosure statement(s). BB, 60 FR 22195, May 4, 1995, unless otherwise noted. Banks are required to maintain a CRA Public File. that includes the following information: 1000 Peachtree Street N.E. (d) Copies. Use the navigation links in the gray bar above to view the table of contents that this content belongs to. 49 CFR 172.101 HMDA data for many other financial institutions is also available online. the hierarchy of the document. The bank shall place this copy in the public file within 30 business days after its receipt from the Board; (3) A list of the bank's branches, their street addresses, and geographies; (4) A list of branches opened or closed by the bank during the current year and each of the prior two calendar years, their street addresses, and geographies; (5) A list of services (including hours of operation, available loan and deposit products, and transaction fees) generally offered at the bank's branches and descriptions of material differences in the availability or cost of services at particular branches, if any. (a) The agency will disclose the records concerning a deceased individual when we have acceptable proof of death unless Federal law or regulations prohibits the disclosure. Charlotte, NC 28202. A bank's entire public CRA file must be available at its main office. Securities and strategic advisory services are provided by Truist Securities, Inc., memberFINRAandSIPC. Applying the 1995 rule definitions to activities conducted during the transition period will allow banks sufficient time to update systems for collecting, recording, and reporting data on retail lending activities to account for the substantive changes to these definitions in the 2020 rule. The bank shall place the statement in the public file within three business days of its receipt from the Board. ( b) Scope of this part. CRA Public File. 4 For more information, refer to OCC Bulletin 2019-40, Community Reinvestment Act: Guidelines for Requesting Designation as a Wholesale, Limited Purpose, or Special Purpose Bank.. Banks with less than satisfactory ratings. Pressing enter in the search box Mortgage products and services are offered through Truist Bank. OSHA solicits public comments concerning its request to extend the Office of Management and Budget's (OMB) approval of information collection. To administer a seamless transition to the June 2020 rule, a GPS bank is subject to the 1995 rules large bank examination procedures. Requests for deceased individual's records. Comments regarding tax implications are informational only. View area assessment maps and income tracts listed by county. states where the CRA public file is located. information for any branches your bank has opened or closed during the In accordance with the Community Reinvestment Act (CRA) Regulation (Regulation BB, 12 CFR 25), Banner Bank is required to maintain and, upon request, make available for public inspection a complete Community Reinvestment Act Public File. information or personal data. When will activities conducted by GPS banks be examined under the GP standards in the June 2020 rule consistent with 12 CFR 25.13? What examination procedures and performance standards will examiners use if a banks examination type changed during the CRA evaluation period? (ii) The information required for other banks by paragraph (b)(1) of this section, if the bank has elected to be evaluated under the lending, investment, and service tests. This notice also explains that the public has a right to review a bank's CRA file and to make written comments about the bank's CRA performance. Please include in your email the name of your bank branch so we may process your request as quickly as possible. The rule also establishes new criteria for designating bank assessment areas, including, The June 2020 rule provides for different performance standards by bank type, which are. Learn more about the eCFR, its status, and the editorial process. At each branch: a) A copy of the public section of the banks most recent CRA Performance Evaluation and a list of services provided by the branch; and b) Within five calendar days of the request, all the information in the public files relating to the assessment area in which the branch is located. See our legal notice for more information. The information is current as of April 1 of each year and may be updated periodically. Those performance standards generally continue the performance standards under the 1995 rule, as revised (1995 rule).5 GPS banks will be examined under the June 2020 rules new GP standards. The public notice and public file provisions have an April 1, 2022, compliance date. Qualifying activities that occur on or after January 1, 2023, will be considered under the GP standards. The file must also include your bank's response to these comments. The Code of Federal Regulations (CFR) is the official legal print publication containing the codification of the general and permanent rules published in the Federal Register by the departments and agencies of the Federal Government. You can get details by selecting the links below. See Section __.43(c) A bank shall make available to the public for inspection upon request and at no cost the information required in this section as follows: 1. 7 Refer to OCC News Release 2016-82, Agencies Release Final Revisions to Interagency Questions and Answers Regarding Community Reinvestment., 8 For more information, refer to OCC Bulletin 2019-40, Community Reinvestment Act: Guidelines for Requesting Designation as a Wholesale, Limited Purpose, or Special Purpose Bank., Interagency Guidance on Third-Party Relationships: Risk Management, Central Application Tracking System (CATS), Office of Thrift Supervision Archive Search. In this Compliance Clip (video), Adam reviews the items needed to be in the CRA public file of each bank. 1/1.1 The bank shall update the description quarterly. Download a PDF of our most recent CRA FDIC Performance Evaluation. Members get even more free videos, articles, and other resources on all topics of regulatory compliance. Poor performance in one area cannot be offset by performance that exceeds plan goals in another. From bankers. A small bank or a bank that was a small bank during the prior calendar year shall include in its public file: (i) The bank's loan-to-deposit ratio for each quarter of the prior calendar year and, at its option, additional data on its loan-to-deposit ratio; and. We are a group of compliance professionals working to make compliance easier. It is not an official legal edition of the CFR. The June 2020 rule provides new standards for evaluating bank performance and for collecting, maintaining, and reporting data used in the CRA evaluation process. (b) Additional information available to the public. switch to eCFR drafting site. A bank need not include information submitted to the Board on a confidential basis in conjunction with the plan. The bank shall place the written notice (s) in the public file within three business days after receiving notification from the Federal Financial Institutions Examination Council of the availability of the disclosure statement (s). Regulation Y When will the new lists of distressed and underserved areas be published? How will examiners consider community development (CD) activities defined in 12 CFR 25.04(c) of the June 2020 rule, and those defined in 12 CFR 25.12(g) in the 1995 rule, that are conducted by banks during the transition period? deposit-based assessment areas, which apply to a bank with 50 percent or more of its retail domestic deposits outside its facility-based assessment areas. Regarding the Occupational Safety and Health Administration Conflict of Interest (COI) and Disclosure Form. You are using an unsupported browser. Should each branch have its own public file or just the main office? the public about how your bank is helping meet community credit needs. Truist, the Truist logo and Truist Purple are service marks of Truist Financial Corporation. The Board also takes this record into account when deciding on certain applications submitted by us. 34734 and 34783-84. Refer to 70 Fed. Electronic Code of Federal Regulations (e-CFR), SUBCHAPTER ABOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM, PART 228COMMUNITY REINVESTMENT (REGULATION BB), Subpart CRecords, Reporting, and Disclosure Requirements. Click here to link to the Operation HOPE website for program details. Microsoft Edge, Google Chrome, Mozilla Firefox, or Safari. In addition, a bank that elected to have the Board consider the mortgage lending of an affiliate shall include in its public file the name of the affiliate and a written notice that the affiliates HMDA Disclosure Statement may be obtained at the Bureaus website. at the banks option, the OCC will also consider retail loans, as described under 12 CFR 25.04(b) of the June 2020 rule, as other loan data, or other lending-related activities, as applicable, if those loans are not otherwise considered under the applicable lending test. Section 1: Public Comments Section 2: CRA Performance Evaluation 2020 Performance Evaluation Section 3: Branches & Hours PA - Branch Listing-Hours NY - Branch Listing-Hours must include a description of efforts to improve its performance and A bank with assets of $600 million or less is a small bank. What examination procedures and other guidance will examiners use when evaluating CRA activities conducted during the transition period? What performance standards will examiners use when evaluating CRA activities conducted during the transition period? The June 2020 rule establishes transparent criteria for qualifying retail and community development activities and provides for an illustrative list of activities that will receive CRA credit. Truist Assessment Area. In this Compliance Clip (video), Adam reviews the items needed to be in the CRA public file of each bank. This bulletin summarizes key provisions of the June 2020 rule, which became effective October 1, 2020. You can also email us atTruistCRAPublicFile@Truist.com. This contact form is only for website help or website suggestions. Support our advertisers and sponsors by clicking through to learn more about their products and services. The OCC will continue to conduct outreach and training on other aspects of the June 2020 rule during the transition period. Except as otherwise provided in this section, a bank shall ensure that the information required by this section is current as of April 1 of each year. 228.43 Content and availability of public file. (5) Banks with less than satisfactory ratings. Please help us keep BankersOnline FREE to all banking professionals. When will the examination type change for a bank that transitions from a small bank to an intermediate bank or from an intermediate bank to a GPS bank? ( i) A copy of the public section of the bank's most recent CRA Performance . 404-498-8500, Where You Can Find Your Bank's CRA Public File, Survey and Diary of Consumer Payment Choice, Research REIN Atlanta Request Information, Research REIN Birmingham Request Information, Research REIN Jacksonville Request Information, Research REIN Nashville Request Information, Research REIN New Orleans Request Information, Advancing Careers for Low-Income Families, Center for Financial Innovation and Stability (CenFIS), Center for Quantitative Economic Research (CQER), Center for Workforce and Economic Opportunity, Community Development at the Federal Reserve, Southeastern Rental Affordability Tracker, Looking at Your Bank's CRA PerformanceThe Big Picture, Standards Used to Evaluate Your Bank's CRA Performance, What Your Bank's Public CRA File Must Show, How You Can Comment on Your Bank's CRA Performance. Executive Vice President, Chief CRA & Community Development Officer BankersOnline.com - For bankers. (3) Small banks. Activities in the broader statewide or regional area associated with a wholesale or limited purpose banks assessment area are considered to serve that assessment area. Component ID : "accordionGridLayout-844792713", Component ID : "accordionGridLayout-1371936441", Component ID : "accordionGridLayout-464338858", View all personal loans and lines of credit, Truist Operation HOPE Inside Branch Listing, Federal Financial Institutions Examination Council, www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/, Limit the use of my sensitive personal information, Are Not FDIC or any other Government Agency Insured, Multilingual teammates available at our Multicultural Banking Centers. During the transition period, how will banks and examiners address performance context in CRA evaluations? Small banks, intermediate banks, limited purpose banks, and wholesale banks will be examined based on the June 2020 rules performance tests and standards corresponding to their specific bank type. (a) Information available to the public. A bank that has been approved to be assessed under a strategic plan shall include in its public file a copy of that plan. The list must also show this Learn about Personal Solutions at Banner Bank. update that report every three months. Banks evaluated under a strategic plan will be required to collect, maintain, and report certain data related to their qualifying activities, certain non-qualifying activities, retail domestic deposits, performance context, and assessment areas, unless otherwise determined in writing by the OCC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. (d) Copies. Organization and Purpose As the CRA public file must be current as of April 1 of each year, banks can use this video to review their public file and ensure they have everything they need. The following is a list of Truist loan and deposit product pages. We provide the required CRA Public File online to make accessing and viewing information more convenient. Branch openings, closures, and moves for the prior 2 years through April 1st of the current year. You can also email us at TruistCRAPublicFile@Truist.com. The bank may charge a reasonable fee not to exceed the cost of copying and mailing (if applicable). Truist Operation HOPE Inside Branch Listing This website uses cookies and behavioral data for analytics, personalized content and to optimize your browsing experience. The CRA requires the information below to be maintained in a public file, current as of April 1 of each year: . If you would like to comment on the current content, please use the 'Content Feedback' button below for instructions on contacting the issuing agency. When will OCC begin accepting requests for confirmation of qualifying activities and CRA deserts. The Electronic Code of Federal Regulations (eCFR) is a continuously updated online version of the CFR. Outside activities can elevate bank performance from satisfactory to outstanding but cannot compensate for less than satisfactory overall performance inside a banks assessment area(s). (d) Copies. (e) Updating. By clicking Continue, you will be taken to a third party website. The information provided is current as of April 1 of each year. A bank's entire public CRA file must be available at its main office. (3) Small banks. 404-498-8500, What Your Bank's Public CRA File Must Show, Survey and Diary of Consumer Payment Choice, Research REIN Atlanta Request Information, Research REIN Birmingham Request Information, Research REIN Jacksonville Request Information, Research REIN Nashville Request Information, Research REIN New Orleans Request Information, Advancing Careers for Low-Income Families, Center for Financial Innovation and Stability (CenFIS), Center for Quantitative Economic Research (CQER), Center for Workforce and Economic Opportunity, Community Development at the Federal Reserve, Southeastern Rental Affordability Tracker, Looking at Your Bank's CRA PerformanceThe Big Picture, Standards Used to Evaluate Your Bank's CRA Performance, Where You Can Find Your Bank's CRA Public File, How You Can Comment on Your Bank's CRA Performance. Banks must comply with certain provisions of the June 2020 rule as of the effective date of October 1, 2020, while other provisions have compliance dates of either January 1, 2023, or January 1, 2024, depending on the bank type. The requirements for contents are detailed here.The contents can vary depending upon whether the bank is a small bank as defined by CRA, a HMDA reporter, maintains branches in more than one state, or requests to have loans other than small business/small farm considered in its CRA examination. The in-page Table of Contents is available only when multiple sections are being viewed. Get information about our Community Reinvestment Act performance, including the distribution of loans and details about loan approvals and denials. A bank shall make available to the public for inspection upon request and at no cost the information required in this section as follows: (1) At the main office and, if an interstate bank, at one branch office in each state, all information in the public file; and, (i) A copy of the public section of the bank's most recent CRA Performance Evaluation and a list of services provided by the branch; and. A copy of your bank's strategic plan if the bank is evaluated by one. Under the Federal Community Reinvestment Act (CRA), the Federal Reserve Board (Board) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. A bank need not include information submitted to the Board on a confidential basis in conjunction with the plan. Step 1. Wholesale and limited purpose bank type designations and examination procedures do not change. Adam has taught hundreds of seminars and training sessions to thousands of bankers throughout the United States and teaches on all areas of regulatory compliance. The Office of the Federal Register publishes documents on behalf of Federal agencies but does not have any authority over their programs. Refer to BankNet for information about the OCCs CRA Webinar Series. Do banks still have to maintain a CRA file? 2 Banks refers to national banks and federal savings associations subject to the CRA. Area Assessment Maps and Income Demographics. Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. user convenience only and is not intended to alter agency intent (a) Information available to the public. Learn about our FREE and Premium Newsletters and Briefings. evaluation. The first link provides a listing of all census tracts within our assessment areas. (7) Any other information the bank chooses. Charlotte, NC 28202. As explained in this video, certain information must be kept in each banks CRA public file. Board of Governors of the Federal Reserve System, Records, Reporting, and Disclosure Requirements, https://www.ecfr.gov/current/title-12/chapter-II/subchapter-A/part-228/subpart-C/section-228.43. An HMDA disclosure statement of any affiliate mortgage lending Upon request, a bank shall provide copies, either on paper or in another form acceptable to the person making the request, of the information in its public file. Citizens corporate headquarters: One Citizens Plaza, Providence, RI 02903, The Citizens Bank, NA CRA Disclosure Statements may be obtained on the Federal Financial Institution Examination Council's Web site at, Paycheck Protection Program Loan Forgiveness. This method is usually the fastest way to get the information. If you have questions or comments regarding a published document please Truist. First published on BankersOnline.com 8/4/03. We have a difference of opinion at our bank regarding the CRA public file. CFPB additional resources for homeowners seeking payment assistance in 7 additional languages: Spanish, Traditional Chinese, Vietnamese, Korean, Tagalog, and Arabic. The bank shall place the written notice(s) in the public file within three business days after receiving notification from the Federal Financial Institutions Examination Council of the availability of the disclosure statement(s). A small or intermediate bank receives consideration for qualifying activities outside of its assessment area(s) if the bank achieves an overall satisfactory rating without consideration of those activities. (ii) The information required for other banks by paragraph (b)(1) of this section, if the bank has elected to be evaluated under the lending, investment, and service tests. Signature's 2022 Public File is in accordance with the Community Reinvestment Act (CRA) Regulation (Regulation BB, 12 CFR 345), Signature is required to maintain and, upon request, make available for public inspection a complete Community Reinvestment Act Public File. Banks are required to maintain a CRA Public File. Questions or comments about this information or regarding our CRA performance in helping to meet community credit needs may be addressed to: Anthony L. Weekly A bank that has been approved to be assessed under a strategic plan shall include in its public file a copy of that plan. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries. (ii) Within five calendar days of the request, all the information in the public file relating to the assessment area in which the branch is located. guide. Robb Variable, LLC., which are SEC registered broker-dealers, members FINRASIPCand a licensed insurance agency where applicable. Your bank must place the copy in its public files within 30 228.43 Content and availability of public file. If you haven't done so already, make sure you sign up for our free membership where you get access to many member-only videos, articles, and other resources. The prior CRA Officer more than likely maintained L to D ratios in the Public File as the bank was a "small bank" at that time and that is required in a "small bank's" Public File. A bank shall make available to the public for inspection upon request and at no cost the information required in this section as follows: (1) At the main office and, if an interstate bank, at one branch office in each state, all information in the public file; and, (i) A copy of the public section of the bank's most recent CRA Performance Evaluation and a list of services provided by the branch; and. 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May charge a reasonable fee not to exceed the cost of copying and mailing ( if applicable ) guidance... Recent CRA performance effective October 1, 2022, compliance date BankNet information. Maps and income tracts listed by county any authority over their programs may receive for! And Briefings exceed the cost of copying and mailing ( if applicable ) performance standards examiners. File is comprised of the goals established for delineated assessment area ( s.. File must be kept in each banks CRA public file a copy of that plan delineated Truist! ) banks with less than satisfactory ratings below to be in the gray bar above to view the table contents... Multiple sections are being viewed our advertisers and sponsors by clicking continue, you will be considered under GP. Pdf of our most recent CRA performance at our bank regarding the Safety. Be taken to a bank that has been approved to be assessed under a strategic plan include! 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