Tuesday,
January 6, 2009
Part II
Department of the
Treasury
Office of the Comptroller of the
Currency
Federal Reserve System
Federal Deposit
Insurance Corporation
Department of the
Treasury
Office of Thrift Supervision
Community Reinvestment Act;
Interagency Questions and Answers
Regarding Community Reinvestment;
Notice
VerDate Nov<24>2008 17:18 Jan 05, 2009 Jkt 217001 PO 00000 Frm 00001 Fmt 4737 Sfmt 4737 E:\FR\FM\06JAN2.SGM 06JAN2
sroberts on PROD1PC70 with NOTICES
January 6, 2009
Part II
Department of the
Treasury
Office of the Comptroller of the
Currency
Federal Reserve System
Federal Deposit
Insurance Corporation
Department of the
Treasury
Office of Thrift Supervision
Community Reinvestment Act;
Interagency Questions and Answers
Regarding Community Reinvestment;
Notice
VerDate Nov<24>2008 17:18 Jan 05, 2009 Jkt 217001 PO 00000 Frm 00001 Fmt 4737 Sfmt 4737 E:\FR\FM\06JAN2.SGM 06JAN2
sroberts on PROD1PC70 with NOTICES
498 Federal Register / Vol. 74, No. 3 / Tuesday, January 6, 2009 / Notices
DEPARTMENT OF THE TREASURY
Office of the Comptroller of the
Currency
[Docket ID OCC–2008–0027]
FEDERAL RESERVE SYSTEM
[Docket No. OP–1349]
FEDERAL DEPOSIT INSURANCE
CORPORATION
DEPARTMENT OF THE TREASURY
Office of Thrift Supervision
[Docket ID OTS–2008–0022]
RIN 3064–AC97
Community Reinvestment Act;
Interagency Questions and Answers
Regarding Community Reinvestment;
Notice
AGENCIES: Office of the Comptroller of
the Currency, Treasury (OCC); Board of
Governors of the Federal Reserve
System (Board); Federal Deposit
Insurance Corporation (FDIC); Office of
Thrift Supervision, Treasury (OTS).
ACTION: Notice and request for comment.
SUMMARY: The OCC, Board, FDIC, and
OTS (the agencies) are adopting as final
the Interagency Questions and Answers
Regarding Community Reinvestment
(Questions and Answers) that were
proposed on July 11, 2007. In response
to comments received, the agencies
clarified several of the new and revised
questions and answers that were
proposed and are withdrawing the
proposed revisions to an existing
question and answer. Also, in response
to comments we received, the agencies
are proposing a new question and
answer that would provide examples of
how an institution can determine that
community services it provides are
targeted to low- and moderate-income
individuals. The agencies are also
proposing to revise two existing
questions and answers to allow pro rata
consideration in certain circumstances
for an activity that provides affordable
housing targeted to low-or moderate-
income individuals. The agencies invite
public comment on these proposed new
and revised questions and answers.
DATES: Effective date of amended
Interagency Questions and Answers
Regarding Community Reinvestment:
January 6, 2009. We request that
comments on the proposed questions
and answers be submitted on or before:
March 9, 2009.
ADDRESSES: Comments should be
directed to:
OCC: Because paper mail in the
Washington, DC area and at the
Agencies is subject to delay,
commenters are encouraged to submit
comments by e-mail, if possible. Please
use the title ‘‘Community Reinvestment
Act; Interagency Questions and Answers
Regarding Community Reinvestment’’ to
facilitate the organization and
distribution of the comments. You may
submit comments by any of the
following methods:
• E-mail:
regs.comments@occ.treas.gov.
• Mail: Office of the Comptroller of
the Currency, 250 E Street, SW., Mail
Stop 1–5, Washington, DC 20219.
• Fax: (202) 874–4448.
• Hand Delivery/Courier: 250 E
Street, SW., Attn.: Public Information
Room, Mail Stop 1–5, Washington, DC
20219.
Instructions: You must include
‘‘OCC’’ as the agency name and ‘‘Docket
ID OCC–2008–0027’’ in your comment.
In general, OCC will enter all comments
received into the docket without
change, including any business or
personal information that you provide
such as name and address information,
e-mail addresses, or phone numbers.
Comments received, including
attachments and other supporting
materials, are part of the public record
and subject to public disclosure. Do not
enclose any information in your
comment or supporting materials that
you consider confidential or
inappropriate for public disclosure.
You may review comments and other
related materials that pertain to this
notice by any of the following methods:
• Viewing Comments Personally: You
may personally inspect and photocopy
comments at the OCC’s Public
Information Room, 250 E Street, SW.,
Washington, DC. For security reasons,
the OCC requires that visitors make an
appointment to inspect comments. You
may do so by calling (202) 874–5043.
Upon arrival, visitors will be required to
present valid government-issued photo
identification and submit to security
screening in order to inspect and
photocopy comments.
• Docket: You may also view or
request available background
documents and project summaries using
the methods described above.
Board: You may submit comments,
identified by Docket No. OP–1349, by
any of the following methods:
• Agency Web Site: http://
www.federalreserve.gov. Follow the
instructions for submitting comments at
http://www.federalreserve.gov/
generalinfo/foia/ProposedRegs.cfm.
• Federal eRulemaking Portal: http://
www.regulations.gov. Follow the
instructions for submitting comments.
• E-mail:
regs.comments@federalreserve.gov.
Include docket number in the subject
line of the message.
• Fax: 202–452–3819 or 202–452–
3102.
• Mail: Jennifer J. Johnson, Secretary,
Board of Governors of the Federal
Reserve System, 20th Street and
Constitution Avenue, NW., Washington,
DC 20551.
All public comments are available from
the Board’s Web site at http://
www.federalreserve.gov/generalinfo/
foia/ProposedRegs.cfm as submitted,
unless modified for technical reasons.
Accordingly, your comments will not be
edited to remove any identifying or
contact information. Public comments
may also be viewed electronically or in
paper in Room MP–500 of the Board’s
Martin Building (20th and C Streets,
NW.) between 9 a.m. and 5 p.m. on
weekdays.
FDIC: You may submit comments,
identified by RIN number 3064–AC97
by any of the following methods:
• Agency Web site: http://
www.fdic.gov/regulations/laws/federal/
propose.html. Follow instructions for
submitting comments on the Agency
Web Site.
• E-mail: Comments@FDIC.gov.
Include the RIN number in the subject
line of the message.
• Mail: Robert E. Feldman, Executive
Secretary, Attention: Comments, Federal
Deposit Insurance Corporation, 550 17th
Street, NW., Washington, DC 20429.
• Hand Delivery/Courier: Guard
station at the rear of the 550 17th Street
Building (located on F Street) on
business days between 7 a.m. and 5 p.m.
Instructions: All submissions received
must include the agency name and RIN
number. All comments received will be
posted without change to http://
www.fdic.gov/regulations/laws/federal/
propose.html including any personal
information provided.
OTS: You may submit comments,
identified by OTS–2008–0022, by any of
the following methods:
• E-mail:
regs.comments@ots.treas.gov. Please
include ID OTS–2008–0022 in the
subject line of the message and include
your name and telephone number in the
message.
• Fax: (202) 906–6518.
• Mail: Regulation Comments, Chief
Counsel’s Office, Office of Thrift
Supervision, 1700 G Street, NW.,
Washington, DC 20552, Attention: OTS–
2008–0022.
VerDate Nov<24>2008 17:18 Jan 05, 2009 Jkt 217001 PO 00000 Frm 00002 Fmt 4701 Sfmt 4703 E:\FR\FM\06JAN2.SGM 06JAN2
sroberts on PROD1PC70 with NOTICES
DEPARTMENT OF THE TREASURY
Office of the Comptroller of the
Currency
[Docket ID OCC–2008–0027]
FEDERAL RESERVE SYSTEM
[Docket No. OP–1349]
FEDERAL DEPOSIT INSURANCE
CORPORATION
DEPARTMENT OF THE TREASURY
Office of Thrift Supervision
[Docket ID OTS–2008–0022]
RIN 3064–AC97
Community Reinvestment Act;
Interagency Questions and Answers
Regarding Community Reinvestment;
Notice
AGENCIES: Office of the Comptroller of
the Currency, Treasury (OCC); Board of
Governors of the Federal Reserve
System (Board); Federal Deposit
Insurance Corporation (FDIC); Office of
Thrift Supervision, Treasury (OTS).
ACTION: Notice and request for comment.
SUMMARY: The OCC, Board, FDIC, and
OTS (the agencies) are adopting as final
the Interagency Questions and Answers
Regarding Community Reinvestment
(Questions and Answers) that were
proposed on July 11, 2007. In response
to comments received, the agencies
clarified several of the new and revised
questions and answers that were
proposed and are withdrawing the
proposed revisions to an existing
question and answer. Also, in response
to comments we received, the agencies
are proposing a new question and
answer that would provide examples of
how an institution can determine that
community services it provides are
targeted to low- and moderate-income
individuals. The agencies are also
proposing to revise two existing
questions and answers to allow pro rata
consideration in certain circumstances
for an activity that provides affordable
housing targeted to low-or moderate-
income individuals. The agencies invite
public comment on these proposed new
and revised questions and answers.
DATES: Effective date of amended
Interagency Questions and Answers
Regarding Community Reinvestment:
January 6, 2009. We request that
comments on the proposed questions
and answers be submitted on or before:
March 9, 2009.
ADDRESSES: Comments should be
directed to:
OCC: Because paper mail in the
Washington, DC area and at the
Agencies is subject to delay,
commenters are encouraged to submit
comments by e-mail, if possible. Please
use the title ‘‘Community Reinvestment
Act; Interagency Questions and Answers
Regarding Community Reinvestment’’ to
facilitate the organization and
distribution of the comments. You may
submit comments by any of the
following methods:
• E-mail:
regs.comments@occ.treas.gov.
• Mail: Office of the Comptroller of
the Currency, 250 E Street, SW., Mail
Stop 1–5, Washington, DC 20219.
• Fax: (202) 874–4448.
• Hand Delivery/Courier: 250 E
Street, SW., Attn.: Public Information
Room, Mail Stop 1–5, Washington, DC
20219.
Instructions: You must include
‘‘OCC’’ as the agency name and ‘‘Docket
ID OCC–2008–0027’’ in your comment.
In general, OCC will enter all comments
received into the docket without
change, including any business or
personal information that you provide
such as name and address information,
e-mail addresses, or phone numbers.
Comments received, including
attachments and other supporting
materials, are part of the public record
and subject to public disclosure. Do not
enclose any information in your
comment or supporting materials that
you consider confidential or
inappropriate for public disclosure.
You may review comments and other
related materials that pertain to this
notice by any of the following methods:
• Viewing Comments Personally: You
may personally inspect and photocopy
comments at the OCC’s Public
Information Room, 250 E Street, SW.,
Washington, DC. For security reasons,
the OCC requires that visitors make an
appointment to inspect comments. You
may do so by calling (202) 874–5043.
Upon arrival, visitors will be required to
present valid government-issued photo
identification and submit to security
screening in order to inspect and
photocopy comments.
• Docket: You may also view or
request available background
documents and project summaries using
the methods described above.
Board: You may submit comments,
identified by Docket No. OP–1349, by
any of the following methods:
• Agency Web Site: http://
www.federalreserve.gov. Follow the
instructions for submitting comments at
http://www.federalreserve.gov/
generalinfo/foia/ProposedRegs.cfm.
• Federal eRulemaking Portal: http://
www.regulations.gov. Follow the
instructions for submitting comments.
• E-mail:
regs.comments@federalreserve.gov.
Include docket number in the subject
line of the message.
• Fax: 202–452–3819 or 202–452–
3102.
• Mail: Jennifer J. Johnson, Secretary,
Board of Governors of the Federal
Reserve System, 20th Street and
Constitution Avenue, NW., Washington,
DC 20551.
All public comments are available from
the Board’s Web site at http://
www.federalreserve.gov/generalinfo/
foia/ProposedRegs.cfm as submitted,
unless modified for technical reasons.
Accordingly, your comments will not be
edited to remove any identifying or
contact information. Public comments
may also be viewed electronically or in
paper in Room MP–500 of the Board’s
Martin Building (20th and C Streets,
NW.) between 9 a.m. and 5 p.m. on
weekdays.
FDIC: You may submit comments,
identified by RIN number 3064–AC97
by any of the following methods:
• Agency Web site: http://
www.fdic.gov/regulations/laws/federal/
propose.html. Follow instructions for
submitting comments on the Agency
Web Site.
• E-mail: Comments@FDIC.gov.
Include the RIN number in the subject
line of the message.
• Mail: Robert E. Feldman, Executive
Secretary, Attention: Comments, Federal
Deposit Insurance Corporation, 550 17th
Street, NW., Washington, DC 20429.
• Hand Delivery/Courier: Guard
station at the rear of the 550 17th Street
Building (located on F Street) on
business days between 7 a.m. and 5 p.m.
Instructions: All submissions received
must include the agency name and RIN
number. All comments received will be
posted without change to http://
www.fdic.gov/regulations/laws/federal/
propose.html including any personal
information provided.
OTS: You may submit comments,
identified by OTS–2008–0022, by any of
the following methods:
• E-mail:
regs.comments@ots.treas.gov. Please
include ID OTS–2008–0022 in the
subject line of the message and include
your name and telephone number in the
message.
• Fax: (202) 906–6518.
• Mail: Regulation Comments, Chief
Counsel’s Office, Office of Thrift
Supervision, 1700 G Street, NW.,
Washington, DC 20552, Attention: OTS–
2008–0022.
VerDate Nov<24>2008 17:18 Jan 05, 2009 Jkt 217001 PO 00000 Frm 00002 Fmt 4701 Sfmt 4703 E:\FR\FM\06JAN2.SGM 06JAN2
sroberts on PROD1PC70 with NOTICES