On August 5, 2021, the Office of the Comptroller of the Currency (OCC) published OCC Bulletin 2021-35 which informs national banks, federal savings associations, and federal branches and agencies of foreign banking organizations of the appropriate names and addresses for notices required by the Community Reinvestment Act and Equal Credit Opportunity Act, and for posters under the Fair Housing Act.
Community Reinvestment Act—Public Notice by Banks
12 CFR 25.30 requires banks to provide the public with the notice set forth in 12 CFR 25, appendix B.
The CRA public notices must include the physical address of the appropriate Office of the Comptroller of the Currency (OCC) supervisory office and an email address for purposes of informing the public how to (1) obtain a list of banks that are scheduled for CRA examination each quarter, (2) obtain an announcement of bank applications covered by the CRA filed with the OCC, or (3) send written comments about the needs and opportunities in any of the bank’s assessment areas.
- The email address for all banks is CRAComments@occ.treas.gov.
- Addresses of OCC supervisory offices are:
- Large Bank Supervision
- Deputy Comptroller Large Bank Supervision
- Office of the Comptroller of the Currency
- 400 7th St. SW Washington, DC 20219
- Midsize Bank Supervision
- Deputy Comptroller Midsize Bank Supervision
- Office of the Comptroller of the Currency
- 400 7th St. SW
- Washington, DC 20219
- Central District
- Deputy Comptroller Central District
- Office of the Comptroller of the Currency
- 425 S. Financial Place, Suite 1700
- Chicago, IL 60605
- Northeastern District
- Deputy Comptroller Northeastern District
- Office of the Comptroller of the Currency
- 340 Madison Ave., Fifth Floor
- New York, NY 10173-0002
- Western District
- Deputy Comptroller Western District
- Office of the Comptroller of the Currency
- 1050 17th St., Suite 1500
- Denver, CO 80265
Fair Housing Act—Posters
Banks must post and maintain fair housing posters at all of their places of business that participate in the activities subject to the Fair Housing Act. Federal savings associations are required to include in their posters a statement directing persons who believe that they have been discriminated against to send a complaint to the Assistant Secretary for Fair Housing and Equal Opportunity, U.S. Department of Housing and Urban Development, Washington, DC 20410; and to the appropriate federal regulator.
- Banks should use the following address in their Fair Housing Act posters:
- Office of the Comptroller of the Currency
- Customer Assistance Group
- P. O. Box 53570
- Houston, TX 77052
Regulation B—Equal Credit Opportunity Act Notice
- Banks with $10 billion or less in assets must provide a notice that is substantially similar to the following statement:
- The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Protection Act. The federal agency that administers compliance with this law concerning this creditor is:
- Office of the Comptroller of the Currency
Customer Assistance Group
P. O. Box 53570
Houston, TX 77052
- Office of the Comptroller of the Currency
- The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Protection Act. The federal agency that administers compliance with this law concerning this creditor is:
- Banks with more than $10 billion in assets must provide a notice that is substantially similar to the following statement:
- The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Protection Act. The federal agency that administers compliance with this law concerning this creditor is:
- Consumer Financial Protection Bureau
P.O. Box 2900
Clinton, IA 52733-2900
- Consumer Financial Protection Bureau
- The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Protection Act. The federal agency that administers compliance with this law concerning this creditor is:
National banks should make the appropriate changes to their notices and posters, if necessary, within 90 days (by November 3, 2021).