Agency Information Collection Activities: Information Collection Renewal; Comment Request; CRA Information Collection Survey, 81270-81279 [2020-27524]
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Federal Register / Vol. 85, No. 241 / Tuesday, December 15, 2020 / Notices
DEPARTMENT OF THE TREASURY
Office of the Comptroller of the
Currency
Agency Information Collection
Activities: Information Collection
Renewal; Comment Request; CRA
Information Collection Survey
Office of the Comptroller of the
Currency (OCC), Treasury.
ACTION: Notice and request for comment.
AGENCY:
The OCC, as part of its
continuing effort to reduce paperwork
and respondent burden, invites the
general public and other Federal
agencies to comment on a the renewal
of an information collection, as required
by the Paperwork Reduction Act of 1995
(PRA). An agency may not conduct or
sponsor, and a respondent is not
required to respond to, an information
collection unless it displays a currently
valid Office of Management and Budget
(OMB) control number. The OCC is
soliciting comment concerning the
renewal of its information collection
titled, ‘‘CRA Information Collection
Survey’’.
DATES: Comments must be submitted by
February 16, 2021.
ADDRESSES: Commenters are encouraged
to submit comments by email, if
possible. You may submit comments by
any of the following methods:
• Email: prainfo@occ.treas.gov.
• Mail: Chief Counsel’s Office,
Attention: Comment Processing, 1557–
0348, Office of the Comptroller of the
Currency, 400 7th Street SW, Suite 3E–
218, Washington, DC 20219.
• Hand Delivery/Courier: 400 7th
Street SW, Suite 3E–218, Washington,
DC 20219.
• Fax: (571) 465–4326.
Instructions: You must include
‘‘OCC’’ as the agency name and ‘‘1557–
0348’’ in your comment. In general, the
OCC will publish comments on
www.reginfo.gov without change,
including any business or personal
information provided, such as name and
address information, email addresses, or
phone numbers. Comments received,
including attachments and other
supporting materials, are part of the
public record and subject to public
disclosure. Respondents may designate
information as confidential or request
confidential treatment. The OCC will
treat confidential commercial
information submitted to the agency in
accordance with 12 CFR 4.16 consistent
with Food Marketing Institute v. Argus
Leader Media, 139 S.Ct. 2356, 2363
(2019) and applicable guidance issued
by the Department of Justice at https://
SUMMARY:
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www.justice.gov/oip/step-stepguidedetermining-if-commercial-orfinancialinformation-obtainedpersonconfidential. The OCC may
aggregate the information, use the
aggregated information, and make the
aggregated information public.
You may review comments and other
related materials that pertain to this
information collection beginning on the
date of publication of the second notice
for this collection 1 by the following
method:
• Viewing Comments Electronically:
Go to www.reginfo.gov. Click on the
‘‘Information Collection Review’’ tab.
Underneath the ‘‘Currently under
Review’’ section heading, select
‘‘Department of Treasury’’ from the
drop-down menu, and then click
‘‘submit.’’ This information collection
can be located by searching with the
OMB control number ‘‘1557–0348’’ or
‘‘CRA Information Collection Survey.’’
Upon finding the appropriate
information collection, click on the
related ‘‘ICR Reference Number.’’ On the
next screen, select ‘‘View Supporting
Statement and Other Documents,’’ and
then click on the link to any comment
listed at the bottom of the screen.
• For assistance in navigating
www.reginfo.gov, please contact the
Regulatory Information Service Center
at (202) 482–7340.
FOR FURTHER INFORMATION CONTACT:
Shaquita Merritt, Clearance Officer,
(202) 649–5490, Chief Counsel’s Office,
Office of the Comptroller of the
Currency, 400 7th Street SW,
Washington, DC 20219.
SUPPLEMENTARY INFORMATION: Under the
PRA (44 U.S.C. 3501 et seq.), Federal
agencies must obtain approval from the
OMB for each collection of information
that they conduct or sponsor.
‘‘Collection of information’’ is defined
in 44 U.S.C. 3502(3) and 5 CFR
1320.3(c) to include agency requests or
requirements that members of the public
submit reports, keep records, or provide
information to a third party. Section
3506(c)(2)(A) of the PRA (44 U.S.C.
3506(c)(2)(A)) requires Federal agencies
to provide a 60-day notice in the
Federal Register concerning each
proposed collection of information,
including each proposed extension of an
existing collection of information,
before submitting the collection to OMB
for approval. To comply with this
requirement, the OCC is publishing
notice of the renewal of the following
collection of information set forth in
this document. OMB provided
emergency clearance for the collection
on November 25, 2020.
Title: CRA Information Collection
Survey.
OMB Control No.: 1557–0348.
Affected Public: Businesses or other
for-profit.
Type of Review: Renewal.
Abstract: On June 5, 2020, the OCC
published a final rule in the Federal
Register that makes comprehensive
changes to the Community
Reinvestment Act (CRA) regulatory
framework designed to ensure that the
CRA remains a relevant and powerful
tool for encouraging banks to serve the
needs of their communities, particularly
low- or moderate-income (LMI)
neighborhoods, consistent with banks’
safe and sound operations.2 As the final
rule describes, the agency modernized
and strengthened the CRA regulatory
framework to better achieve the
underlying statutory purpose of
encouraging banks to help serve their
communities by making the framework
more objective, transparent, consistent,
and easy to understand. To accomplish
these goals, the final rule strengthened
the CRA regulations in four key areas by
(1) clarifying which activities qualify for
CRA credit; (2) updating where
activities count for CRA credit; (3)
creating a more consistent and objective
method for measuring CRA
performance; and (4) providing for more
timely and transparent CRA-related data
collection, recordkeeping, and
reporting.
The final rule provided a new
evaluation framework (i.e., the general
performance standards) for banks with
assets of $2.5 billion or more that are
not wholesale or limited purpose banks
and do not operate under an approved
strategic plan.3 However, the final rule
did not provide the CRA evaluation
measure benchmarks, retail lending
distribution test thresholds, and
community development (CD)
minimums under the general
performance standards. The OCC plans
to determine these benchmarks,
thresholds, and minimums through
separate rulemaking. In order to
calibrate the benchmarks, thresholds,
and minimums, the OCC seeks
information to assist in determining
current and historical levels of CRA
activity. Specifically, this information
collection seeks bank-specific data and
information to supplement available
data. This information collection
2 85
FR 34734 (June 5, 2020).
§ 25.10(a)(2) and (3) of the final rule,
small, intermediate, wholesale, and limited purpose
banks may opt into the general performance
standards.
3 Under
1 Following the close of this notice’s 60-day
comment period, the OCC will publish a second
notice with a 30-day comment period.
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applies only to banks with assets of $2.5
billion or more that are subject to the
general performance standards under
the CRA final rule.
Information Collection
The OCC seeks information to assist
in determining the CRA evaluation
measure benchmarks, retail lending
distribution test thresholds, and CD
minimums under the final rule that will
correspond to the presumptive ratings.
As discussed in the Supplementary
Information section to the final rule, the
OCC analyzed currently available data
to estimate how banks would have
performed under the proposed rule’s
framework.4 The final rule did not
finalize the benchmarks, thresholds, or
minimums as proposed. Instead, as
explained in the Supplementary
Information section to the final rule, the
OCC plans to issue a separate notice of
proposed rulemaking to determine the
benchmarks, thresholds, and minimums
that will correspond to the presumptive
ratings in the final rule.
This information collection seeks
bank-specific data and information to
supplement the agency’s analyses and
currently available data. Specifically, it
requests four types of bank data or
information: (1) Retail domestic deposit
and assessment area data; (2) qualifying
activities data; (3) branch information;
and (4) retail loan application and
origination data. The data should
contain information from January 1,
2017, to December 31, 2019. The final
rule provides additional information
(e.g., definitions, qualifying activities
criteria, etc.) to inform what is requested
below.
Respondents must answer all of the
questions below. If a respondent does
not have the data available, the
respondent must submit a separate
statement that explains the reason(s) the
respondent does not have the data
requested. If a respondent has
significant difficulty in submitting any
of the data requested, the OCC will work
with the respondent through the
appropriate supervisory channels in
order to help the respondent comply
with this information collection to the
extent possible.
All information should be in a comma
delimited file, using the same
nomenclature as in the data name field,
and dollar values should be in 1000s
without any comma separators (e.g.,
$5,000,000 should be reported as 5000,
not 5,000).
4 85
FR 34734, 34773.
25.09(b)(1) of the final rule allows these
assessment areas to include one or more of these
facilities, as well as deposit-taking ATMs.
5 Section
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2. Assign and provide a unique
numerical identification (ID) to each
facility-based or deposit-based
assessment area, as defined in the final
rule. As discussed in § 25.09(b) of the
final rule, a bank must delineate facilitybased assessment areas encompassing
the location where the bank maintains
its main office, branches, or non-branch
deposit-taking facilities, other than
deposit-taking automated teller
machines (ATMs),5 as well as the
surrounding locations in which the
bank has originated or purchased a
substantial portion of its loans. A bank
also may, but is not required to,
Retail Domestic Deposit and Assessment delineate facility-based assessment areas
based on its deposit-taking ATMs.6
Area Data
Branch, ATM, and non-branch depositA bank’s main office, branch, and
taking facility are defined in § 25.03 of
deposit-taking facility locations and
the final rule. Facility-based assessment
retail domestic deposit data are required
areas will be comprised of one of the
to determine its assessment area
following: (1) A whole MSA; (2) the
delineations, performance under the
whole nonmetropolitan area of a state;
general performance standards, and
(3) one or more whole, contiguous
presumptive ratings in §§ 25.09 through
metropolitan divisions (MD) in a single
25.13 of the final rule. The following
MSA; or (4) one or more whole,
data will supplement existing data and
contiguous counties or county
assist the OCC.
equivalents in a single MSA or
1. What is the bank’s total amount of
nonmetropolitan area. Under § 25.09(c)
retail domestic deposits received, by
of the final rule, a bank that receives 50
county, for each quarter-end? As
defined in § 25.03 of the final rule, retail percent or more of its retail domestic
deposits from geographic areas outside
domestic deposits include deposits, as
that term is defined in section 3(I) of the of its facility-based assessment areas
must delineate separate, nonFederal Deposit Insurance Act (12
overlapping assessment areas where it
U.S.C. 1813(I)) that are reported on
receives five percent or more of its retail
Schedule RC–E, item 1 or item 3, of the
domestic deposits. Deposit-based
Call Report or that are non-brokered
assessment areas will be comprised of
‘‘reciprocal deposits’’ as defined in 12
U.S.C. 1831(f)(i)(2)(E) for the institution one of the following: (1) A whole state;
(2) one whole MSA; (3) the whole
sending the non-brokered ‘‘reciprocal
nonmetropolitan area of a state; (4) one
deposits.’’ However, retail domestic
or more whole, contiguous MDs in a
deposits do not include deposits that
single MSA; (5) the remaining
are: (1) Obtained, directly or indirectly,
from or through the mediation or
geographic area of a state, MSA,
assistance of a ‘‘deposit broker’’ as that
nonmetropolitan area, or MD other than
term is defined in section 29 of the
where it has a facility-based assessment
Federal Deposit Insurance Act (12
area; or (6) one or more whole,
U.S.C. 1831f(g)); (2) originated from an
contiguous counties or county
affiliated or non-affiliated broker-dealer equivalents in a single MSA or
sweep transaction; (3) held in a Health
nonmetropolitan area.
Savings Account established in
3. For the data above, provide county,
accordance with 26 U.S.C. 223; (4) held
MD/MSA, and state FIPS codes.
in a prepaid card account established in
4. For the data above, report whether
accordance with 12 CFR 1005.1 et seq.;
there
is a main office, branch, depositor (5) non-brokered reciprocal deposits
taking ATM, and/or non-branch depositas defined in 12 U.S.C. 1831(f)(i)(2)(E)
taking facility other than an ATM, as
for the institution receiving a nondetailed in Table 1, Columns 5–8.
brokered ‘‘reciprocal deposit.’’ The
county should be assigned based on the
5. Are there burdens associated with
accountholder’s physical address, not
collecting or reporting the data
the location of the branch that accepted
described in this section of this
the deposit.
information collection?
Standard Federal Information
Processing Standards (FIPS) codes
should be used for geographic data, and
the following codes should be used,
unless otherwise instructed:
• -99—Information not available
• -98—Not applicable (e.g., geographic
area is not part of a facility-based
assessment area)
• -99999—Not part of a metropolitan
statistical area (MSA)
For each subsection of this information
collection, we first describe the data
elements requested and then illustrate
how the data should be formatted in a
table immediately following the text.
6 Assessment areas delineated based on the
location of a deposit-taking ATM under
§ 25.09(b)(2) of the final rule may contain the bank’s
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main office, branches, or other non-branch deposit
taking facilities.
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TABLE 1, COLUMNS 1–10—DEPOSIT AND ASSESSMENT AREA DATA BY COUNTY, QUARTER
Column
Data name
Format
Data definition
Comments
1 .......
COUNTY ..............
String .............
County FIPS ......................................................................
2 .......
MD_MSA ..............
String .............
MD/MSA ............................................................................
3 .......
STATE .................
String .............
State FIPS .........................................................................
4 .......
AA_ID ...................
String .............
Facility-based or deposit-based assessment area number.
5 .......
BRANCH_IND ......
String .............
Branch indicator ................................................................
6 .......
MO_IND ...............
String .............
Main office indicator ..........................................................
7 .......
DEPOSITATM_
IND.
String .............
Deposit-taking ATM indicator ............................................
8 .......
NONBRANCH_
DEPFAC_IND.
String .............
Indicator for non-branch deposit-taking facility other than
ATM.
9 .......
QUARTERYEAR ..
Alpha-numeric
Quarter-end/year ...............................................................
10 .....
DEPOSITS ...........
Numeric .........
Quarter-end total retail domestic deposits received from
the county in dollars.
County FIPS code (3-digit), e.g., report 201 if Harris County, TX. Use
leading zeros if the FIPS code is
less than 3-digit number.
MD/MSA code (5-digit), e.g., report
26420 if Houston-The WoodlandsSugar Land, TX.
State FIPS code (2-digit), e.g., report
48 if Harris County, TX. Use leading zeros if the State FIPS code is
less than a 2-digit number.
Numeric indicator, created by the
bank, that uniquely identifies each
facility-based or deposit-based assessment area. Use leading zeros
if the assessment area is less than
a 3-digit number. Use code –98 if a
county is not in a facility-based assessment area.
1 if there is a branch in this facilitybased assessment area; 0 if otherwise.
1 if the main office is in this facilitybased assessment area; 0 if otherwise.
1 if there is a deposit-taking ATM in
this facility-based assessment area;
0 if otherwise.
1 if there is a non-branch deposit-taking facility that is not an ATM; 0 if
otherwise.
Specify date of data snapshot, e.g.,
as reported on Q4 call report.
Q1YYYY if Jan 1–March 30 of YYYY;
Q2YYYY if April 1–June 30 of YYYY;
Q3YYYY if July 1–Sept 30 of YYYY;
or
Q4YYYY if Oct 1–Dec 31 of YYYY.
County should be assigned based on
the depositor’s physical home address; Reported in thousands of
dollars.
Total Qualifying Activities
As discussed in the final rule and this
information collection, the dollar value
of a bank’s qualifying activities is
required to determine the CRA
evaluation measure under § 25.11 of the
final rule, which in turn determines a
bank’s presumptive ratings under
§ 25.13 of the final rule. The following
data will supplement existing data and
assist the OCC.
6. Calculate and report the sum, at the
county level, of the quantified dollar
value of all quarter-end balances for
each type of qualifying loan or CD
investment held on the balance sheet.
Calculate and report the sum of the
quantified dollar value, at the county
level, for other CD investments (i.e., CD
investment funds that are quantified
under § 25.07(d)(3) of the final rule and
monetary and in-kind donations) and
CD services made or provided in each
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quarter. For each activity, determine the
county pursuant to § 25.24 of the final
rule. Note that the quantified dollar
value does not include multipliers. The
OCC will apply the multipliers, where
feasible and as applicable. Exclude any
retail loans sold within 365 days of
origination by the bank. Qualifying
activity means an activity that meets the
criteria in § 25.04 of the final rule.
Qualifying activities include qualifying
loans, CD investments, and CD services.
Qualifying loan means a retail loan, as
defined in § 25.03 of the final rule, that
meets the criteria in § 25.04(b) of the
final rule or a CD loan, as defined in
§ 25.03 of the final rule. Section 25.03
of the final rule defines a retail loan as
a home mortgage loan, small loan to a
business, small loan to a farm, or
consumer loan; each of these loans is
defined in § 25.03 of the final rule. In
particular, ‘‘consumer loan’’ means a
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loan reported on the Call Report,
Schedule RC–C, Loans and Lease
Financing Receivables, Part 1, Item 6,
Loans to individuals for household,
family, and other personal expenditures
other than overdraft plans, that is an
automobile loan, other revolving credit
plan, or other consumer loan; credit
cards are not included. CD investments
and CD services are also defined in
§ 25.03 of the final rule. Section 25.07
of the final rule provides information on
how to calculate the quantified dollar
value of qualifying activities. The
quantified dollar value of a partially
qualifying activity includes only the
portion of the activity that is qualifying.
Qualifying activities should be
attributed to locations based on § 25.24
of the final rule, which provides
information on how to determine a
qualifying activity’s location. For
example, § 25.24(b) of the final rule
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requires banks to allocate credit for CD
activities in two ways: (1) To an
assessment area within a broader area
served by an activity if the bank can
document the services or funding it
provided was allocated to a particular
project that is within or serves the
assessment area; or if that cannot be
documented (2) across all of the areas
served by the activity, according to the
share of the bank’s deposits in those
areas, treating the bank’s deposits in the
region served by the activity as if they
were all of the bank’s deposits.
7. Calculate and report the sum, at the
county level, of the quantified dollar
value of all quarter-end balances for
each type of retail loan generated by
branches in LMI tracts.7
8. For Table 1, Columns 11–14 and
27–30, please include the mortgage and
consumer loans only if the borrower
income status is available or the loan is
located in Indian country or other tribal
and native lands.
9. Are there burdens associated with
collecting or reporting the data
described in this section of this
information collection?
TABLE 1, COLUMNS 11–51—THE QUARTER-END QUANTIFIED DOLLAR VALUE OF QUALIFYING ACTIVITIES BY COUNTY,
QUARTER
Column
Data name
Format
Data definition
11 .....
MTG_BAL ............
Numeric .........
12 .....
AUTO_BAL ..........
Numeric .........
13 .....
OTHER_RCP_BAL
Numeric .........
14 .....
OTHER_CONS_
BAL.
Numeric .........
15 .....
BUS_BAL1_
LMITRACT.
Numeric .........
16 .....
BUS_BAL2_
LMITRACT.
Numeric .........
17 .....
FARM_BAL1_
LMITRACT.
Numeric .........
18 .....
FARM_BAL2_
LMITRACT.
Numeric .........
19 .....
SBUS1_BAL1_
NON_
LMITRACT.
Numeric .........
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying home mortgages, excluding those sold within 365 days of origination by
the bank.
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying auto loans, excluding
those sold within 365 days of origination by the bank.
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying other revolving credit
plans, excluding other revolving credit plans sold within 365 days of origination by the bank and any overdraft plans.
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying other consumer loans,
excluding other consumer loans sold within 365 days
of origination by the bank and any credit cards or
overdrafts.
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying loans up to $1 million
to businesses in LMI census tracts, Indian country, or
other tribal and native lands that are not counted as
CD loans and not sold within 365 days of origination
by the bank.
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying loans above $1 million
and up to $1.6 million to businesses in LMI census
tracts, Indian country, or other tribal and native lands
that are not counted as CD loans and not sold within
365 days of origination by the bank.
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying loans up to $500,000
to farms in LMI census tracts, Indian country, or other
tribal and native lands that are not counted as CD
loans and not sold within 365 days of origination by
the bank.
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying loans above $500,000
and up to $1.6 million to farms in LMI census tracts,
Indian country, or other tribal and native lands that are
not counted as CD loans and not sold within 365 days
of origination by the bank.
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying loans up to $1 million
to businesses with revenues of up to $1 million in nonLMI census tracts and not in Indian country and not in
other tribal and native lands that are not counted as
CD loans and not sold within 365 days of origination
by the bank.
7 For purposes of this information collection, a
retail loan is ‘‘generated by [a] branch’’ if that loan
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Comments
is originated by employees of the bank or
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Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
reasonably assigned to that branch according a
bank’s internal procedures.
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TABLE 1, COLUMNS 11–51—THE QUARTER-END QUANTIFIED DOLLAR VALUE OF QUALIFYING ACTIVITIES BY COUNTY,
QUARTER—Continued
Column
Data name
Format
Data definition
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying loans up to $1 million
to businesses with revenues above $1 million and up
to $1.6 million in non-LMI census tracts and not in Indian country and not in other tribal and native lands
that are not counted as CD loans and not sold within
365 days of origination by the bank.
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying loans above $1 million
and up to $1.6 million to businesses with revenues of
up to $1 million in non-LMI census tracts and not in
Indian country and not in other tribal and native lands
that are not counted as CD loans and not sold within
365 days of origination by the bank.
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying loans of above $1 million and up to $1.6 million to businesses with revenues above $1 million and up $1.6 million in non-LMI
census tracts and not in Indian country and not in
other tribal and native lands that are not counted as
CD loans and not sold within 365 days of origination
by the bank.
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying loans up to $500,000
to farms with revenues up to $1 million in non-LMI
census tracts and not in Indian country and not in
other tribal and native lands that are not counted as
CD loans and not sold within 365 days of origination
by the bank.
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying loans up to $500,000
to farms with revenues above $1 million and up to
$1.6 million in non-LMI census tracts and not in Indian
country and not in other tribal and native lands that
are not counted as CD loans and not sold within 365
days of origination by the bank.
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying loans above $500,000
and up to $1.6 million to farms with revenues up to $1
million in non-LMI census tracts and not in Indian
country and not in other tribal and native lands that
are not counted as CD loans and not sold within 365
days of origination by the bank.
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying loans above $500,000
and up to $1.6 million to farms with revenues above
$1 million and up to $1.6 million in non-LMI census
tracts and not in Indian country and not in other tribal
and native lands that are not counted as CD loans
and not sold within 365 days of origination by the
bank.
Quarter-end, county-level sum of the quantified dollar
value of retail loan balances reported in column 11
where the loan originations were generated by
branches in LMI census tracts.
Quarter-end, county-level sum of the quantified dollar
value of retail loan balances reported in column 12
where the loan originations were generated by
branches in LMI census tracts.
Quarter-end, county-level sum of the quantified dollar
value of retail loan balances reported in column 13
where the loan originations were generated by
branches in LMI census tracts.
Quarter-end, county-level sum of the quantified dollar
value of retail loan balances reported in column 14
where the loan originations were generated by
branches in LMI census tracts.
20 .....
SBUS2_BAL1_
NON_
LMITRACT.
Numeric .........
21 .....
SBUS1_BAL2_
NON_
LMITRACT.
Numeric .........
22 .....
SBUS2_BAL2_
NON_
LMITRACT.
Numeric .........
23 .....
SFARM1_BAL1_
NON_
LMITRACT.
Numeric .........
24 .....
SFARM2_BAL1_
NON_
LMITRACT.
Numeric .........
25 .....
SFARM1_BAL2_
NON_
LMITRACT.
Numeric .........
26 .....
SFARM2_BAL2_
NON_
LMITRACT.
Numeric .........
27 .....
MTG_BAL_LMIBR
Numeric .........
28 .....
AUTO_BAL_
LMIBR.
Numeric .........
29 .....
OTHER_RCP_
BAL_LMIBR.
Numeric .........
30 .....
OTHER_CONS_
BAL_LMIBR.
Numeric .........
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Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
15DEN1
81275
Federal Register / Vol. 85, No. 241 / Tuesday, December 15, 2020 / Notices
TABLE 1, COLUMNS 11–51—THE QUARTER-END QUANTIFIED DOLLAR VALUE OF QUALIFYING ACTIVITIES BY COUNTY,
QUARTER—Continued
Column
Data name
Format
Data definition
Quarter-end, county-level sum of the quantified dollar
value of retail loan balances reported in column 15
where the loan originations were generated by
branches in LMI census tracts.
Quarter-end, county-level sum of the quantified dollar
value of retail loan balances reported in column 16
where the loan originations were generated by
branches in LMI census tracts.
Quarter-end, county-level sum of the quantified dollar
value of retail loan balances reported in column 17
where the loan originations were generated by
branches in LMI census tracts.
Quarter-end, county-level sum of the quantified dollar
value of retail loan balances reported in column 18
where the loan originations were generated by
branches in LMI census tracts.
Quarter-end, county-level sum of the quantified dollar
value of retail loan balances reported in column 19
where the loan originations were generated by
branches in LMI census tracts.
Quarter-end, county-level sum of the quantified dollar
value of retail loan balances reported in column 20
where the loan originations were generated by
branches in LMI census tracts.
Quarter-end, county-level sum of the quantified dollar
value of retail loan balances reported in column 21
where the loan originations were generated by
branches in LMI census tracts.
Quarter-end, county-level sum of the quantified dollar
value of retail loan balances reported in column 22
where the loan originations were generated by
branches in LMI census tracts.
Quarter-end, county-level sum of the quantified dollar
value of retail loan balances reported in column 23
where the loan originations were generated by
branches in LMI census tracts.
Quarter-end, county-level sum of the quantified dollar
value of retail loan balances reported in column 24
where the loan originations were generated by
branches in LMI census tracts.
Quarter-end, county-level sum of the quantified dollar
value of retail loan balances reported in column 25
where the loan originations were generated by
branches in LMI census tracts.
Quarter-end, county-level sum of the quantified dollar
value of retail loan balances reported in column 26
where the loan originations were generated by
branches in LMI census tracts.
Quarter-end, county-level sum of the quantified dollar
value of balances of CD loans provided to or that support minority depository institutions, women’s depository institutions, CDFIs, low-income credit unions and
other affordable housing-related CD loans.
Quarter-end, county-level sum of the quantified dollar
value of balances of CD loans other than those captured in column 43.
Quarter-end, county-level sum of the quantified dollar
value of balances of CD investments held on balance
sheet, excluding mortgage-backed securities and municipal bonds.
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying mortgage backed securities.
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying municipal bonds.
31 .....
BUS_BAL1_
LMITRACT_
LMIBR.
Numeric .........
32 .....
BUS_BAL2_
LMITRACT_
LMIBR.
Numeric .........
33 .....
FARM_BAL1_
LMITRACT_
LMIBR.
Numeric .........
34 .....
FARM_BAL2_
LMITRACT_
LMIBR.
Numeric .........
35 .....
SBUS1_BAL1_
NON_
LMITRACT_
LMIBR.
SBUS2_BAL1_
NON_
LMITRACT_
LMIBR.
SBUS1_BAL2_
NON_
LMITRACT_
LMIBR.
SBUS2_BAL2_
NON_
LMITRACT_
LMIBR.
SFARM1_BAL1_
NON_
LMITRACT_
LMIBR.
SFARM2_BAL1_
NON_
LMITRACT_
LMIBR.
SFARM1_BAL2_
NON_
LMITRACT_
LMIBR.
SFARM2_BAL2_
NON_
LMITRACT_
LMIBR.
CDLOAN_MINORITY_BAL.
Numeric .........
44 .....
CDLOAN_
OTHER_BAL.
Numeric .........
45 .....
CDINVT_BAL .......
Numeric .........
46 .....
MBS_BAL .............
Numeric .........
47 .....
MUNI_BAL ...........
Numeric .........
36 .....
37 .....
38 .....
39 .....
40 .....
41 .....
42 .....
43 .....
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Numeric .........
Numeric .........
Numeric .........
Numeric .........
Numeric .........
Numeric .........
Numeric .........
Numeric .........
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Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
15DEN1
81276
Federal Register / Vol. 85, No. 241 / Tuesday, December 15, 2020 / Notices
TABLE 1, COLUMNS 11–51—THE QUARTER-END QUANTIFIED DOLLAR VALUE OF QUALIFYING ACTIVITIES BY COUNTY,
QUARTER—Continued
Column
Data name
Format
Data definition
Quarter-end, county-level sum of the quantified dollar
value of community development investment funds
that are syndicated or sponsored by the bank for the
purpose of obtaining financing from other investors
and support one or more projects that are eligible for
low-income housing tax credits or new markets tax
credits (exclude the portion of the syndication on the
bank’s balance sheet and report in the appropriate
column above).
County-level sum of CD services performed during the
quarter.
County-level sum of qualifying monetary or in-kind donations provided to or that support minority depository institutions, women’s depository institutions, CDFIs, lowincome credit unions.
County-level sum of qualifying monetary or in-kind donations other than those captured in column 50.
48 .....
CDINVTFUND_
BAL.
Numeric .........
49 .....
CDSERV_BAL .....
Numeric .........
50 .....
DONATION_MINORITY_BAL.
Numeric .........
51 .....
DONATION_
OTHER_BAL.
Numeric .........
Comments
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Note: For the qualifying activities, report the county-level quantified dollar value of the balances for each type of activity below. Only calculate
the dollar value of qualifying retail loans not originated and sold within 365 days.
10. For Table 1, Columns 52 –59,
please include the mortgage and
consumer loans only if the borrower
income status is not available and the
loan is not located in Indian country or
other tribal and native lands. For these
loans, use the tract income level as a
proxy to determine whether the retail
loan is qualifying.
11. Calculate and report the sum, at
the county level, of the quantified dollar
value of all quarter-end balances for
these mortgage and consumer loans that
are generated by branches in LMI tracts.
TABLE 1—COLUMNS 52–59—THE QUARTER-END QUANTIFIED DOLLAR VALUE OF QUALIFYING ACTIVITIES BY COUNTY,
QUARTER
Column
Data name
Format
Data definition
52 .....
MTG_TI_BAL .......
Numeric .........
53 .....
AUTO_TI_BAL .....
Numeric .........
54 .....
OTHER_RCP_TI_
BAL.
Numeric .........
55 .....
OTHER_CONS_
TI_BAL.
Numeric .........
56 .....
MTG_TI_BAL_
LMIBR.
Numeric .........
57 .....
AUTO_TI_BAL_
LMIBR.
Numeric .........
58 .....
OTHER_RCP_TI_
BAL_LMIBR.
Numeric .........
59 .....
OTHER_CONS_
TI_BAL_LMIBR.
Numeric .........
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying home mortgages,
where mortgages are assumed to qualify based on
tract income, excluding those sold within 365 days of
origination by the bank.
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying auto loans, where auto
loans are assumed to qualify based on tract income,
excluding those sold within 365 days of origination by
the bank.
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying other revolving credit
plans, where other revolving credit plans are assumed
to qualify based on tract income, excluding other revolving credit plans sold within 365 days of origination
by the bank and any overdraft plans.
Quarter-end, county-level sum of the quantified dollar
value of balances of qualifying other consumer loans,
where other consumer loans are assumed to qualify
based on tract income, excluding other consumer
loans sold within 365 days of origination by bank and
any credit cards or overdrafts.
Quarter-end, county-level sum of the quantified dollar
value of retail loan balances reported in column 52
that are generated by branches in LMI census tracts.
Quarter-end, county-level sum of the quantified dollar
value of retail loan balances reported in column 53
that are generated by branches in LMI census tracts.
Quarter-end, county-level sum of the quantified dollar
value of retail loan balances reported in column 54
that are generated by branches in LMI census tracts.
Quarter-end, county-level sum of the quantified dollar
value of retail loan balances reported in column 55
that are generated by branches in LMI census tracts.
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Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
Reported in thousands of dollars.
15DEN1
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Federal Register / Vol. 85, No. 241 / Tuesday, December 15, 2020 / Notices
Applications and Loan Originations for
Each Retail Lending Product Line
As discussed in the final rule, the
quantified dollar value is required to
determine the CRA evaluation measure
under § 25.11 of the final rule.
Additionally, the loan volume of a
bank’s qualifying activities is required
for the retail lending distribution tests
under § 25.12 of the final rule. Both the
CRA evaluation measure and the retail
lending distribution tests will in turn
help determine a bank’s presumptive
ratings under § 25.13 of the final rule.
Obtaining information on retail loan
applications and originations will, in
the near term, help inform the OCC
about banks’ credit supply decisions
across geographies, supplement existing
data, and assist the OCC in assessing the
CRA evaluation measure under § 25.11
of the final rule and the retail lending
distribution tests under § 25.12 of the
final rule. Over time, it will assist the
OCC in further developing its thinking
on how to refine and improve the CRA
framework.8
12. Report all retail loans
applications.
13. For each retail loan origination,
provide the unique loan identification
number.
14. For each retail loan application,
provide the following geographic
information for the location of the loan
application at the time of submission:
County, MD/MSA, state, census tract,
and the facility-based or deposit-based
assessment area number (using the same
set of unique assessment area
identification numbers as in Table 1).
The location of a loan application
should be determined in a manner
consistent with § 25.24 of the final rule.
For example, the location of an
application for a home mortgage loan
would be determined by the address of
the property to which the loan relates.
15. For each retail loan application,
provide the loan type, and if the loan
was originated, provide balance at
origination, origination date, and sell
date.
16. For each mortgage and consumer
loan application, provide the income of
the applicant(s). For each loan
application for a home mortgage or
consumer loan, indicate the LMI status
of the applicant. For each loan
application from a business or farm,
provide the revenue of the business or
farm at the time of submission;
additionally, for these loan applications,
provide an indicator of the business or
farm’s revenue category.
17. For each retail loan origination,
indicate whether the loan was generated
by a branch located in an LMI census
tract.
18. Are there burdens associated with
collecting or reporting the data
described in this section of this
information collection?
TABLE 2—FULL LIST OF RETAIL LOAN APPLICATIONS AND ORIGINATIONS
Column
Data name
Format
Data definition
Comments
1 .......
LOAN_ID ..............
String .............
Loan ID .............................................................................
2 .......
COUNTY ..............
String .............
County FIPS ......................................................................
3 .......
MD_MSA ..............
String .............
MD/MSA ............................................................................
4 .......
STATE .................
String .............
State FIPS .........................................................................
5 .......
TRACT .................
String .............
Census tract ......................................................................
6 .......
AA_ID ...................
String .............
Facility-based or deposit-based assessment area number.
7 .......
LOAN_TYPE ........
String .............
Loan type ..........................................................................
8 .......
ACTION_TYPE ....
String .............
Loan decision ....................................................................
9 .......
ORIG_BAL ...........
Numeric .........
Balance at origination .......................................................
10 .....
11 .....
APPL_DATE ........
ORIG_DATE ........
String .............
String .............
Application Date ................................................................
Origination date .................................................................
12 .....
SELL_DATE .........
String .............
Sell date ............................................................................
Provide Universal Loan Identifier
(ULI) if the loan was originated,
and where available.
County FIPS code (3-digit), e.g., report 201 if Harris County, TX.
MD/MSA code (5-digit), e.g., report
26420 if Houston-The WoodlandsSugar Land, TX.
State FIPS code (2-digit), e.g., report
48 if Harris County, TX.
Tract FIPS code (6-digit), e.g., report
223100 if Census Tract 2231 in
Harris County, TX.
Numeric indicator, created by the
bank, that uniquely identifies each
facility-based or deposit-based assessment area. Use code -98 if a
loan is not within a facility-based or
deposit-based assessment area.
1: Mortgage; 2: Other revolving credit
plan; 3: Auto; 4: Other consumer
loan; 5: Small loan to a business;
6: Small loan to a farm.
0: Loan not originated; 1: Loan originated.
Reported in thousands of dollars. Use
code -98 if the loan was not originated.
MMDDYYYY
MMDDYYYY. Use code –98 if the
loan was not originated.
MMDDYYYY. Use code –98 if the
loan was not originated or if the
loan was not sold.
8 See various studies using application
information to understand credit supply such as:
Antoniades, A. (2016. ‘‘). Liquidity Risk and the
Credit Crunch of 2007–2008: Evidence from MicroLevel Data on Mortgage Loan Applications.’’.
Journal of Financial and Quantitative Analysis,
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51(6):), 1795–1822; and Mian, Atif, and Amir Sufi.
2009. ‘‘The Consequences of Mortgage Credit
Expansion: Evidence from the U.S. Mortgage
Default Crisis.’’,’’ The Quarterly Journal of
Economics, Volume 124(, Issue 4):, November 2009,
Pages 1449–1496; Puri, Manju, Jorg Rocholl, and
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Sascha Steffen. (2011. ‘‘) Global retail lending in the
aftermath of the US financial crisis: Distinguishing
between supply and demand effects.’’, Journal of
Financial Economics 100(3):) 556–578.
E:\FR\FM\15DEN1.SGM
15DEN1
81278
Federal Register / Vol. 85, No. 241 / Tuesday, December 15, 2020 / Notices
TABLE 2—FULL LIST OF RETAIL LOAN APPLICATIONS AND ORIGINATIONS—Continued
Column
Data name
Format
Data definition
Comments
12 .....
INCOME ...............
Numeric .........
Income of the applicant(s) ................................................
13 .....
LMIBR_IND ..........
String .............
LMI branch indicator .........................................................
14 .....
REVENUE ............
Numeric .........
Revenue of business or farm ...........................................
15 .....
REVENUE_IND ....
String .............
Revenue indicators of the business or farm .....................
16 .....
LMI_IND ...............
String .............
LMI indicator for the applicant ..........................................
Use income of the applicant(s) that
would be used to determine LMI
status. Reported in thousands of
dollars. Use code -98 if the bank
does not have the applicant’s income, or not applicable.
1 if the loan origination or application
was generated by a branch that is
located in an LMI census tract; 0
otherwise.
Use code –98 if not applicable (i.e.,
not a business or farm). Use code
-98 if the bank does not have the
revenue of the business or farm.
Reported in thousands of dollars.
1 if revenue of the business or farm
is less than $500,000.
2 if the revenue of the business or
farm is between $500,000 and
$1,000,000.
3 if the revenue of the business or
farm is greater than $1,000,000
and less than or equal to
$1,600,000.
4 if the revenue of the business or
farm is over $1,600,000. Use code
-99 if unknown. Use code -98 if not
applicable (i.e., not a business or
farm).
0 if the applicant is not LMI.
1 if the applicant is LMI.
Use code -99 if unknown. Use code
-98 if not applicable (i.e., not an application for a home mortgage or
consumer loan).
Branch Locations
As discussed in the final rule, the
percentage of a bank’s branches located
in or that serve LMI census tracts,
distressed areas, underserved areas, and
Indian country or other tribal and native
lands is required to determine the CRA
evaluation measure under § 25.11 of the
final rule, which is considered in
determining a bank’s presumptive
ratings under § 25.13 of the final rule.
19. Report the unique number of the
branch, as used in the Summary of
Deposits file, for the full list of branches
on the last day of each year.
20. Using the same set of unique
assessment area IDs as in Table 1,
identify the facility-based assessment
area for each branch.
21. Report the address, as well as the
census tract, county, MSA/MD, and
state FIPS codes, for each branch.
22. Report the year that the branch is
associated with, as mentioned in
Question 19. Note that the same branch
will have an entry for each year for
which it is open on the last day of the
year.
23. Are there burdens associated with
collecting or reporting the data
described in this section of this
information collection?
TABLE 3—FULL LIST OF BRANCHES AT YEAR-END
Column
Data name
Format
Data definition
Comments
1 .......
UNINUMBR ..........
String .............
Unique number .................................................................
2 .......
AA_ID ...................
String .............
Facility-based assessment area number ..........................
3 .......
BR_STREET ........
String .............
Street .................................................................................
Unique number used in the Summary
of Deposits file.
Numeric indicator, created by the
bank, that uniquely identifies each
facility-based assessment area.
Use code -98 if the loan is not within a facility-based assessment
area.
Street should be based on branch’s
physical location, e.g., report 400
7th St. SW if 400 7th St. SW,
Washington, DC 20219.
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15DEN1
81279
Federal Register / Vol. 85, No. 241 / Tuesday, December 15, 2020 / Notices
TABLE 3—FULL LIST OF BRANCHES AT YEAR-END—Continued
Column
Data name
Format
Data definition
Comments
4 .......
BR_CITY ..............
String .............
City ....................................................................................
5 .......
BR_STATE ...........
String .............
State abbreviation .............................................................
6 .......
BR_ZIP .................
String .............
Zip code ............................................................................
7 .......
TRACT .................
String .............
Census tract ......................................................................
8 .......
COUNTY ..............
String .............
County ...............................................................................
9 .......
MD_MSA ..............
String .............
MD/MSA ............................................................................
10 .....
STATE .................
String .............
State ..................................................................................
11 .....
YEAR ...................
String .............
Year ...................................................................................
City should be based on branch’s
physical location, e.g., report
Washington if 400 7th St. SW,
Washington, DC 20219.
State abbreviation (2-letter) should be
based on branch’s physical location, e.g., report DC if 400 7th St.
SW, Washington, DC 20219.
Zip code (5-digit) should be based on
branch’s physical location, e.g., report 20219 if 400 7th St. SW,
Washington, DC 20219.
Tract FIPS code (6-digit), e.g., report
223100 if Census Tract 2231 in
Harris County, TX.
County FIPS code (3-digit), e.g., report 201 if Harris County, TX.
MD/MSA code (5-digit), e.g., report
26420 if Houston-The WoodlandsSugar Land, TX.
State FIPS code (2-digit), e.g., report
48 if Harris County, TX.
20XX.
Burden Estimates
Estimated Number of Respondents:
105.
Estimated Annual Burden: 146,000
hours.
Comments submitted in response to
this notice will be summarized and
included in the request for OMB
approval. All comments will become a
matter of public record. Comments are
invited on:
(a) Whether the collection of
information is necessary for the proper
performance of the functions of the
OCC, including whether the information
has practical utility; (b) The accuracy of
the OCC’s estimate of the information
collection burden; (c) Ways to enhance
the quality, utility, and clarity of the
information to be collected; (d) Ways to
minimize the burden of the collection
on respondents, including through the
use of automated collection techniques
or other forms of information
technology; and
(e) Estimates of capital or start-up
costs and costs of operation,
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maintenance, and purchase of services
to provide information.
Bao Nguyen,
Principal Deputy Chief Counsel, Office of the
Comptroller of the Currency.
[FR Doc. 2020–27524 Filed 12–14–20; 8:45 am]
BILLING CODE 4810–33–P
DEPARTMENT OF THE TREASURY
Office of Foreign Assets Control
Notice of OFAC Sanctions Actions
Office of Foreign Assets
Control, Treasury.
ACTION: Notice.
AGENCY:
The U.S. Department of the
Treasury’s Office of Foreign Assets
Control (OFAC) is publishing the names
of one or more persons that have been
placed on OFAC’s Specially Designated
Nationals and Blocked Persons List
based on OFAC’s determination that one
or more applicable legal criteria were
satisfied. All property and interests in
property subject to U.S. jurisdiction of
these persons are blocked, and U.S.
SUMMARY:
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persons are generally prohibited from
engaging in transactions with them.
DATES: See Supplementary Information
section for applicable date(s).
FOR FURTHER INFORMATION CONTACT:
OFAC: Andrea Gacki, Director, tel.:
202–622–2420; Associate Director for
Global Targeting, tel.: 202–622–2420;
Assistant Director for Sanctions
Compliance & Evaluation, tel.: 202–622–
2490; Assistant Director for Licensing,
tel.: 202–622–2480.
SUPPLEMENTARY INFORMATION:
Electronic Availability
The Specially Designated Nationals
and Blocked Persons List and additional
information concerning OFAC sanctions
programs are available on OFAC’s
website (www.treas.gov/ofac).
Notice of OFAC Actions
On November 9, 2020, OFAC
determined that the property and
interests in property subject to U.S.
jurisdiction of the following persons are
blocked under the relevant sanctions
authorities listed below.
BILLING CODE 4810–AL–P
E:\FR\FM\15DEN1.SGM
15DEN1
]]>Agencies
[Federal Register Volume 85, Number 241 (Tuesday, December 15, 2020)]
[Notices]
[Pages 81270-81279]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2020-27524]
[[Page 81270]]
=======================================================================
-----------------------------------------------------------------------
DEPARTMENT OF THE TREASURY
Office of the Comptroller of the Currency
Agency Information Collection Activities: Information Collection
Renewal; Comment Request; CRA Information Collection Survey
AGENCY: Office of the Comptroller of the Currency (OCC), Treasury.
ACTION: Notice and request for comment.
-----------------------------------------------------------------------
SUMMARY: The OCC, as part of its continuing effort to reduce paperwork
and respondent burden, invites the general public and other Federal
agencies to comment on a the renewal of an information collection, as
required by the Paperwork Reduction Act of 1995 (PRA). An agency may
not conduct or sponsor, and a respondent is not required to respond to,
an information collection unless it displays a currently valid Office
of Management and Budget (OMB) control number. The OCC is soliciting
comment concerning the renewal of its information collection titled,
``CRA Information Collection Survey''.
DATES: Comments must be submitted by February 16, 2021.
ADDRESSES: Commenters are encouraged to submit comments by email, if
possible. You may submit comments by any of the following methods:
Email: [email protected].
Mail: Chief Counsel's Office, Attention: Comment
Processing, 1557-0348, Office of the Comptroller of the Currency, 400
7th Street SW, Suite 3E-218, Washington, DC 20219.
Hand Delivery/Courier: 400 7th Street SW, Suite 3E-218,
Washington, DC 20219.
Fax: (571) 465-4326.
Instructions: You must include ``OCC'' as the agency name and
``1557-0348'' in your comment. In general, the OCC will publish
comments on www.reginfo.gov without change, including any business or
personal information provided, such as name and address information,
email addresses, or phone numbers. Comments received, including
attachments and other supporting materials, are part of the public
record and subject to public disclosure. Respondents may designate
information as confidential or request confidential treatment. The OCC
will treat confidential commercial information submitted to the agency
in accordance with 12 CFR 4.16 consistent with Food Marketing Institute
v. Argus Leader Media, 139 S.Ct. 2356, 2363 (2019) and applicable
guidance issued by the Department of Justice at https://www.justice.gov/oip/step-step-guidedetermining-if-commercial-or-financialinformation-obtained-personconfidential. The OCC may aggregate
the information, use the aggregated information, and make the
aggregated information public.
You may review comments and other related materials that pertain to
this information collection beginning on the date of publication of the
second notice for this collection \1\ by the following method:
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\1\ Following the close of this notice's 60-day comment period,
the OCC will publish a second notice with a 30-day comment period.
---------------------------------------------------------------------------
Viewing Comments Electronically: Go to www.reginfo.gov.
Click on the ``Information Collection Review'' tab. Underneath the
``Currently under Review'' section heading, select ``Department of
Treasury'' from the drop-down menu, and then click ``submit.'' This
information collection can be located by searching with the OMB control
number ``1557-0348'' or ``CRA Information Collection Survey.'' Upon
finding the appropriate information collection, click on the related
``ICR Reference Number.'' On the next screen, select ``View Supporting
Statement and Other Documents,'' and then click on the link to any
comment listed at the bottom of the screen.
For assistance in navigating www.reginfo.gov, please
contact the Regulatory Information Service Center at (202) 482-7340.
FOR FURTHER INFORMATION CONTACT: Shaquita Merritt, Clearance Officer,
(202) 649-5490, Chief Counsel's Office, Office of the Comptroller of
the Currency, 400 7th Street SW, Washington, DC 20219.
SUPPLEMENTARY INFORMATION: Under the PRA (44 U.S.C. 3501 et seq.),
Federal agencies must obtain approval from the OMB for each collection
of information that they conduct or sponsor. ``Collection of
information'' is defined in 44 U.S.C. 3502(3) and 5 CFR 1320.3(c) to
include agency requests or requirements that members of the public
submit reports, keep records, or provide information to a third party.
Section 3506(c)(2)(A) of the PRA (44 U.S.C. 3506(c)(2)(A)) requires
Federal agencies to provide a 60-day notice in the Federal Register
concerning each proposed collection of information, including each
proposed extension of an existing collection of information, before
submitting the collection to OMB for approval. To comply with this
requirement, the OCC is publishing notice of the renewal of the
following collection of information set forth in this document. OMB
provided emergency clearance for the collection on November 25, 2020.
Title: CRA Information Collection Survey.
OMB Control No.: 1557-0348.
Affected Public: Businesses or other for-profit.
Type of Review: Renewal.
Abstract: On June 5, 2020, the OCC published a final rule in the
Federal Register that makes comprehensive changes to the Community
Reinvestment Act (CRA) regulatory framework designed to ensure that the
CRA remains a relevant and powerful tool for encouraging banks to serve
the needs of their communities, particularly low- or moderate-income
(LMI) neighborhoods, consistent with banks' safe and sound
operations.\2\ As the final rule describes, the agency modernized and
strengthened the CRA regulatory framework to better achieve the
underlying statutory purpose of encouraging banks to help serve their
communities by making the framework more objective, transparent,
consistent, and easy to understand. To accomplish these goals, the
final rule strengthened the CRA regulations in four key areas by (1)
clarifying which activities qualify for CRA credit; (2) updating where
activities count for CRA credit; (3) creating a more consistent and
objective method for measuring CRA performance; and (4) providing for
more timely and transparent CRA-related data collection, recordkeeping,
and reporting.
---------------------------------------------------------------------------
\2\ 85 FR 34734 (June 5, 2020).
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The final rule provided a new evaluation framework (i.e., the
general performance standards) for banks with assets of $2.5 billion or
more that are not wholesale or limited purpose banks and do not operate
under an approved strategic plan.\3\ However, the final rule did not
provide the CRA evaluation measure benchmarks, retail lending
distribution test thresholds, and community development (CD) minimums
under the general performance standards. The OCC plans to determine
these benchmarks, thresholds, and minimums through separate rulemaking.
In order to calibrate the benchmarks, thresholds, and minimums, the OCC
seeks information to assist in determining current and historical
levels of CRA activity. Specifically, this information collection seeks
bank-specific data and information to supplement available data. This
information collection
[[Page 81271]]
applies only to banks with assets of $2.5 billion or more that are
subject to the general performance standards under the CRA final rule.
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\3\ Under Sec. 25.10(a)(2) and (3) of the final rule, small,
intermediate, wholesale, and limited purpose banks may opt into the
general performance standards.
---------------------------------------------------------------------------
Information Collection
The OCC seeks information to assist in determining the CRA
evaluation measure benchmarks, retail lending distribution test
thresholds, and CD minimums under the final rule that will correspond
to the presumptive ratings. As discussed in the Supplementary
Information section to the final rule, the OCC analyzed currently
available data to estimate how banks would have performed under the
proposed rule's framework.\4\ The final rule did not finalize the
benchmarks, thresholds, or minimums as proposed. Instead, as explained
in the Supplementary Information section to the final rule, the OCC
plans to issue a separate notice of proposed rulemaking to determine
the benchmarks, thresholds, and minimums that will correspond to the
presumptive ratings in the final rule.
---------------------------------------------------------------------------
\4\ 85 FR 34734, 34773.
---------------------------------------------------------------------------
This information collection seeks bank-specific data and
information to supplement the agency's analyses and currently available
data. Specifically, it requests four types of bank data or information:
(1) Retail domestic deposit and assessment area data; (2) qualifying
activities data; (3) branch information; and (4) retail loan
application and origination data. The data should contain information
from January 1, 2017, to December 31, 2019. The final rule provides
additional information (e.g., definitions, qualifying activities
criteria, etc.) to inform what is requested below.
Respondents must answer all of the questions below. If a respondent
does not have the data available, the respondent must submit a separate
statement that explains the reason(s) the respondent does not have the
data requested. If a respondent has significant difficulty in
submitting any of the data requested, the OCC will work with the
respondent through the appropriate supervisory channels in order to
help the respondent comply with this information collection to the
extent possible.
All information should be in a comma delimited file, using the same
nomenclature as in the data name field, and dollar values should be in
1000s without any comma separators (e.g., $5,000,000 should be reported
as 5000, not 5,000).
Standard Federal Information Processing Standards (FIPS) codes
should be used for geographic data, and the following codes should be
used, unless otherwise instructed:
-99--Information not available
-98--Not applicable (e.g., geographic area is not part of a
facility-based assessment area)
-99999--Not part of a metropolitan statistical area (MSA)
For each subsection of this information collection, we first describe
the data elements requested and then illustrate how the data should be
formatted in a table immediately following the text.
Retail Domestic Deposit and Assessment Area Data
A bank's main office, branch, and deposit-taking facility locations
and retail domestic deposit data are required to determine its
assessment area delineations, performance under the general performance
standards, and presumptive ratings in Sec. Sec. 25.09 through 25.13 of
the final rule. The following data will supplement existing data and
assist the OCC.
1. What is the bank's total amount of retail domestic deposits
received, by county, for each quarter-end? As defined in Sec. 25.03 of
the final rule, retail domestic deposits include deposits, as that term
is defined in section 3(I) of the Federal Deposit Insurance Act (12
U.S.C. 1813(I)) that are reported on Schedule RC-E, item 1 or item 3,
of the Call Report or that are non-brokered ``reciprocal deposits'' as
defined in 12 U.S.C. 1831(f)(i)(2)(E) for the institution sending the
non-brokered ``reciprocal deposits.'' However, retail domestic deposits
do not include deposits that are: (1) Obtained, directly or indirectly,
from or through the mediation or assistance of a ``deposit broker'' as
that term is defined in section 29 of the Federal Deposit Insurance Act
(12 U.S.C. 1831f(g)); (2) originated from an affiliated or non-
affiliated broker-dealer sweep transaction; (3) held in a Health
Savings Account established in accordance with 26 U.S.C. 223; (4) held
in a prepaid card account established in accordance with 12 CFR 1005.1
et seq.; or (5) non-brokered reciprocal deposits as defined in 12
U.S.C. 1831(f)(i)(2)(E) for the institution receiving a non-brokered
``reciprocal deposit.'' The county should be assigned based on the
accountholder's physical address, not the location of the branch that
accepted the deposit.
2. Assign and provide a unique numerical identification (ID) to
each facility-based or deposit-based assessment area, as defined in the
final rule. As discussed in Sec. 25.09(b) of the final rule, a bank
must delineate facility-based assessment areas encompassing the
location where the bank maintains its main office, branches, or non-
branch deposit-taking facilities, other than deposit-taking automated
teller machines (ATMs),\5\ as well as the surrounding locations in
which the bank has originated or purchased a substantial portion of its
loans. A bank also may, but is not required to, delineate facility-
based assessment areas based on its deposit-taking ATMs.\6\ Branch,
ATM, and non-branch deposit-taking facility are defined in Sec. 25.03
of the final rule. Facility-based assessment areas will be comprised of
one of the following: (1) A whole MSA; (2) the whole nonmetropolitan
area of a state; (3) one or more whole, contiguous metropolitan
divisions (MD) in a single MSA; or (4) one or more whole, contiguous
counties or county equivalents in a single MSA or nonmetropolitan area.
Under Sec. 25.09(c) of the final rule, a bank that receives 50 percent
or more of its retail domestic deposits from geographic areas outside
of its facility-based assessment areas must delineate separate, non-
overlapping assessment areas where it receives five percent or more of
its retail domestic deposits. Deposit-based assessment areas will be
comprised of one of the following: (1) A whole state; (2) one whole
MSA; (3) the whole nonmetropolitan area of a state; (4) one or more
whole, contiguous MDs in a single MSA; (5) the remaining geographic
area of a state, MSA, nonmetropolitan area, or MD other than where it
has a facility-based assessment area; or (6) one or more whole,
contiguous counties or county equivalents in a single MSA or
nonmetropolitan area.
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\5\ Section 25.09(b)(1) of the final rule allows these
assessment areas to include one or more of these facilities, as well
as deposit-taking ATMs.
\6\ Assessment areas delineated based on the location of a
deposit-taking ATM under Sec. 25.09(b)(2) of the final rule may
contain the bank's main office, branches, or other non-branch
deposit taking facilities.
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3. For the data above, provide county, MD/MSA, and state FIPS
codes.
4. For the data above, report whether there is a main office,
branch, deposit-taking ATM, and/or non-branch deposit-taking facility
other than an ATM, as detailed in Table 1, Columns 5-8.
5. Are there burdens associated with collecting or reporting the
data described in this section of this information collection?
[[Page 81272]]
Table 1, Columns 1-10--Deposit and Assessment Area Data by County, Quarter
----------------------------------------------------------------------------------------------------------------
Column Data name Format Data definition Comments
----------------------------------------------------------------------------------------------------------------
1.............. COUNTY................ String................... County FIPS.......... County FIPS code (3-
digit), e.g., report
201 if Harris
County, TX. Use
leading zeros if the
FIPS code is less
than 3-digit number.
2.............. MD_MSA................ String................... MD/MSA............... MD/MSA code (5-
digit), e.g., report
26420 if Houston-The
Woodlands-Sugar
Land, TX.
3.............. STATE................. String................... State FIPS........... State FIPS code (2-
digit), e.g., report
48 if Harris County,
TX. Use leading
zeros if the State
FIPS code is less
than a 2-digit
number.
4.............. AA_ID................. String................... Facility-based or Numeric indicator,
deposit-based created by the bank,
assessment area that uniquely
number. identifies each
facility-based or
deposit-based
assessment area. Use
leading zeros if the
assessment area is
less than a 3-digit
number. Use code -98
if a county is not
in a facility-based
assessment area.
5.............. BRANCH_IND............ String................... Branch indicator..... 1 if there is a
branch in this
facility-based
assessment area; 0
if otherwise.
6.............. MO_IND................ String................... Main office indicator 1 if the main office
is in this facility-
based assessment
area; 0 if
otherwise.
7.............. DEPOSITATM_IND........ String................... Deposit-taking ATM 1 if there is a
indicator. deposit-taking ATM
in this facility-
based assessment
area; 0 if
otherwise.
8.............. NONBRANCH_DEPFAC_IND.. String................... Indicator for non- 1 if there is a non-
branch deposit- branch deposit-
taking facility taking facility that
other than ATM. is not an ATM; 0 if
otherwise.
9.............. QUARTERYEAR........... Alpha-numeric............ Quarter-end/year..... Specify date of data
snapshot, e.g., as
reported on Q4 call
report.
Q1YYYY if Jan 1-March
30 of YYYY;
Q2YYYY if April 1-
June 30 of YYYY;
Q3YYYY if July 1-Sept
30 of YYYY; or
Q4YYYY if Oct 1-Dec
31 of YYYY.
10............. DEPOSITS.............. Numeric.................. Quarter-end total County should be
retail domestic assigned based on
deposits received the depositor's
from the county in physical home
dollars. address; Reported in
thousands of
dollars.
----------------------------------------------------------------------------------------------------------------
Total Qualifying Activities
As discussed in the final rule and this information collection, the
dollar value of a bank's qualifying activities is required to determine
the CRA evaluation measure under Sec. 25.11 of the final rule, which
in turn determines a bank's presumptive ratings under Sec. 25.13 of
the final rule. The following data will supplement existing data and
assist the OCC.
6. Calculate and report the sum, at the county level, of the
quantified dollar value of all quarter-end balances for each type of
qualifying loan or CD investment held on the balance sheet. Calculate
and report the sum of the quantified dollar value, at the county level,
for other CD investments (i.e., CD investment funds that are quantified
under Sec. 25.07(d)(3) of the final rule and monetary and in-kind
donations) and CD services made or provided in each quarter. For each
activity, determine the county pursuant to Sec. 25.24 of the final
rule. Note that the quantified dollar value does not include
multipliers. The OCC will apply the multipliers, where feasible and as
applicable. Exclude any retail loans sold within 365 days of
origination by the bank. Qualifying activity means an activity that
meets the criteria in Sec. 25.04 of the final rule. Qualifying
activities include qualifying loans, CD investments, and CD services.
Qualifying loan means a retail loan, as defined in Sec. 25.03 of the
final rule, that meets the criteria in Sec. 25.04(b) of the final rule
or a CD loan, as defined in Sec. 25.03 of the final rule. Section
25.03 of the final rule defines a retail loan as a home mortgage loan,
small loan to a business, small loan to a farm, or consumer loan; each
of these loans is defined in Sec. 25.03 of the final rule. In
particular, ``consumer loan'' means a loan reported on the Call Report,
Schedule RC-C, Loans and Lease Financing Receivables, Part 1, Item 6,
Loans to individuals for household, family, and other personal
expenditures other than overdraft plans, that is an automobile loan,
other revolving credit plan, or other consumer loan; credit cards are
not included. CD investments and CD services are also defined in Sec.
25.03 of the final rule. Section 25.07 of the final rule provides
information on how to calculate the quantified dollar value of
qualifying activities. The quantified dollar value of a partially
qualifying activity includes only the portion of the activity that is
qualifying. Qualifying activities should be attributed to locations
based on Sec. 25.24 of the final rule, which provides information on
how to determine a qualifying activity's location. For example, Sec.
25.24(b) of the final rule
[[Page 81273]]
requires banks to allocate credit for CD activities in two ways: (1) To
an assessment area within a broader area served by an activity if the
bank can document the services or funding it provided was allocated to
a particular project that is within or serves the assessment area; or
if that cannot be documented (2) across all of the areas served by the
activity, according to the share of the bank's deposits in those areas,
treating the bank's deposits in the region served by the activity as if
they were all of the bank's deposits.
7. Calculate and report the sum, at the county level, of the
quantified dollar value of all quarter-end balances for each type of
retail loan generated by branches in LMI tracts.\7\
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\7\ For purposes of this information collection, a retail loan
is ``generated by [a] branch'' if that loan is originated by
employees of the bank or reasonably assigned to that branch
according a bank's internal procedures.
---------------------------------------------------------------------------
8. For Table 1, Columns 11-14 and 27-30, please include the
mortgage and consumer loans only if the borrower income status is
available or the loan is located in Indian country or other tribal and
native lands.
9. Are there burdens associated with collecting or reporting the
data described in this section of this information collection?
Table 1, Columns 11-51--The Quarter-End Quantified Dollar Value of Qualifying Activities by County, Quarter
----------------------------------------------------------------------------------------------------------------
Column Data name Format Data definition Comments
----------------------------------------------------------------------------------------------------------------
11............. MTG_BAL............... Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of balances of
qualifying home
mortgages, excluding
those sold within
365 days of
origination by the
bank.
12............. AUTO_BAL.............. Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of balances of
qualifying auto
loans, excluding
those sold within
365 days of
origination by the
bank.
13............. OTHER_RCP_BAL......... Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of balances of
qualifying other
revolving credit
plans, excluding
other revolving
credit plans sold
within 365 days of
origination by the
bank and any
overdraft plans.
14............. OTHER_CONS_BAL........ Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of balances of
qualifying other
consumer loans,
excluding other
consumer loans sold
within 365 days of
origination by the
bank and any credit
cards or overdrafts.
15............. BUS_BAL1_LMITRACT..... Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of balances of
qualifying loans up
to $1 million to
businesses in LMI
census tracts,
Indian country, or
other tribal and
native lands that
are not counted as
CD loans and not
sold within 365 days
of origination by
the bank.
16............. BUS_BAL2_LMITRACT..... Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of balances of
qualifying loans
above $1 million and
up to $1.6 million
to businesses in LMI
census tracts,
Indian country, or
other tribal and
native lands that
are not counted as
CD loans and not
sold within 365 days
of origination by
the bank.
17............. FARM_BAL1_LMITRACT.... Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of balances of
qualifying loans up
to $500,000 to farms
in LMI census
tracts, Indian
country, or other
tribal and native
lands that are not
counted as CD loans
and not sold within
365 days of
origination by the
bank.
18............. FARM_BAL2_LMITRACT.... Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of balances of
qualifying loans
above $500,000 and
up to $1.6 million
to farms in LMI
census tracts,
Indian country, or
other tribal and
native lands that
are not counted as
CD loans and not
sold within 365 days
of origination by
the bank.
19............. SBUS1_BAL1_NON_LMITRAC Numeric.................. Quarter-end, county- Reported in thousands
T. level sum of the of dollars.
quantified dollar
value of balances of
qualifying loans up
to $1 million to
businesses with
revenues of up to $1
million in non-LMI
census tracts and
not in Indian
country and not in
other tribal and
native lands that
are not counted as
CD loans and not
sold within 365 days
of origination by
the bank.
[[Page 81274]]
20............. SBUS2_BAL1_NON_LMITRAC Numeric.................. Quarter-end, county- Reported in thousands
T. level sum of the of dollars.
quantified dollar
value of balances of
qualifying loans up
to $1 million to
businesses with
revenues above $1
million and up to
$1.6 million in non-
LMI census tracts
and not in Indian
country and not in
other tribal and
native lands that
are not counted as
CD loans and not
sold within 365 days
of origination by
the bank.
21............. SBUS1_BAL2_NON_LMITRAC Numeric.................. Quarter-end, county- Reported in thousands
T. level sum of the of dollars.
quantified dollar
value of balances of
qualifying loans
above $1 million and
up to $1.6 million
to businesses with
revenues of up to $1
million in non-LMI
census tracts and
not in Indian
country and not in
other tribal and
native lands that
are not counted as
CD loans and not
sold within 365 days
of origination by
the bank.
22............. SBUS2_BAL2_NON_LMITRAC Numeric.................. Quarter-end, county- Reported in thousands
T. level sum of the of dollars.
quantified dollar
value of balances of
qualifying loans of
above $1 million and
up to $1.6 million
to businesses with
revenues above $1
million and up $1.6
million in non-LMI
census tracts and
not in Indian
country and not in
other tribal and
native lands that
are not counted as
CD loans and not
sold within 365 days
of origination by
the bank.
23............. SFARM1_BAL1_NON_LMITRA Numeric.................. Quarter-end, county- Reported in thousands
CT. level sum of the of dollars.
quantified dollar
value of balances of
qualifying loans up
to $500,000 to farms
with revenues up to
$1 million in non-
LMI census tracts
and not in Indian
country and not in
other tribal and
native lands that
are not counted as
CD loans and not
sold within 365 days
of origination by
the bank.
24............. SFARM2_BAL1_NON_LMITRA Numeric.................. Quarter-end, county- Reported in thousands
CT. level sum of the of dollars.
quantified dollar
value of balances of
qualifying loans up
to $500,000 to farms
with revenues above
$1 million and up to
$1.6 million in non-
LMI census tracts
and not in Indian
country and not in
other tribal and
native lands that
are not counted as
CD loans and not
sold within 365 days
of origination by
the bank.
25............. SFARM1_BAL2_NON_LMITRA Numeric.................. Quarter-end, county- Reported in thousands
CT. level sum of the of dollars.
quantified dollar
value of balances of
qualifying loans
above $500,000 and
up to $1.6 million
to farms with
revenues up to $1
million in non-LMI
census tracts and
not in Indian
country and not in
other tribal and
native lands that
are not counted as
CD loans and not
sold within 365 days
of origination by
the bank.
26............. SFARM2_BAL2_NON_LMITRA Numeric.................. Quarter-end, county- Reported in thousands
CT. level sum of the of dollars.
quantified dollar
value of balances of
qualifying loans
above $500,000 and
up to $1.6 million
to farms with
revenues above $1
million and up to
$1.6 million in non-
LMI census tracts
and not in Indian
country and not in
other tribal and
native lands that
are not counted as
CD loans and not
sold within 365 days
of origination by
the bank.
27............. MTG_BAL_LMIBR......... Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of retail loan
balances reported in
column 11 where the
loan originations
were generated by
branches in LMI
census tracts.
28............. AUTO_BAL_LMIBR........ Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of retail loan
balances reported in
column 12 where the
loan originations
were generated by
branches in LMI
census tracts.
29............. OTHER_RCP_BAL_LMIBR... Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of retail loan
balances reported in
column 13 where the
loan originations
were generated by
branches in LMI
census tracts.
30............. OTHER_CONS_BAL_LMIBR.. Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of retail loan
balances reported in
column 14 where the
loan originations
were generated by
branches in LMI
census tracts.
[[Page 81275]]
31............. BUS_BAL1_LMITRACT_LMIB Numeric.................. Quarter-end, county- Reported in thousands
R. level sum of the of dollars.
quantified dollar
value of retail loan
balances reported in
column 15 where the
loan originations
were generated by
branches in LMI
census tracts.
32............. BUS_BAL2_LMITRACT_LMIB Numeric.................. Quarter-end, county- Reported in thousands
R. level sum of the of dollars.
quantified dollar
value of retail loan
balances reported in
column 16 where the
loan originations
were generated by
branches in LMI
census tracts.
33............. FARM_BAL1_LMITRACT_LMI Numeric.................. Quarter-end, county- Reported in thousands
BR. level sum of the of dollars.
quantified dollar
value of retail loan
balances reported in
column 17 where the
loan originations
were generated by
branches in LMI
census tracts.
34............. FARM_BAL2_LMITRACT_LMI Numeric.................. Quarter-end, county- Reported in thousands
BR. level sum of the of dollars.
quantified dollar
value of retail loan
balances reported in
column 18 where the
loan originations
were generated by
branches in LMI
census tracts.
35............. SBUS1_BAL1_NON_LMITRAC Numeric.................. Quarter-end, county- Reported in thousands
T_LMIBR. level sum of the of dollars.
quantified dollar
value of retail loan
balances reported in
column 19 where the
loan originations
were generated by
branches in LMI
census tracts.
36............. SBUS2_BAL1_NON_LMITRAC Numeric.................. Quarter-end, county- Reported in thousands
T_LMIBR. level sum of the of dollars.
quantified dollar
value of retail loan
balances reported in
column 20 where the
loan originations
were generated by
branches in LMI
census tracts.
37............. SBUS1_BAL2_NON_LMITRAC Numeric.................. Quarter-end, county- Reported in thousands
T_LMIBR. level sum of the of dollars.
quantified dollar
value of retail loan
balances reported in
column 21 where the
loan originations
were generated by
branches in LMI
census tracts.
38............. SBUS2_BAL2_NON_LMITRAC Numeric.................. Quarter-end, county- Reported in thousands
T_LMIBR. level sum of the of dollars.
quantified dollar
value of retail loan
balances reported in
column 22 where the
loan originations
were generated by
branches in LMI
census tracts.
39............. SFARM1_BAL1_NON_LMITRA Numeric.................. Quarter-end, county- Reported in thousands
CT_LMIBR. level sum of the of dollars.
quantified dollar
value of retail loan
balances reported in
column 23 where the
loan originations
were generated by
branches in LMI
census tracts.
40............. SFARM2_BAL1_NON_LMITRA Numeric.................. Quarter-end, county- Reported in thousands
CT_LMIBR. level sum of the of dollars.
quantified dollar
value of retail loan
balances reported in
column 24 where the
loan originations
were generated by
branches in LMI
census tracts.
41............. SFARM1_BAL2_NON_LMITRA Numeric.................. Quarter-end, county- Reported in thousands
CT_LMIBR. level sum of the of dollars.
quantified dollar
value of retail loan
balances reported in
column 25 where the
loan originations
were generated by
branches in LMI
census tracts.
42............. SFARM2_BAL2_NON_LMITRA Numeric.................. Quarter-end, county- Reported in thousands
CT_LMIBR. level sum of the of dollars.
quantified dollar
value of retail loan
balances reported in
column 26 where the
loan originations
were generated by
branches in LMI
census tracts.
43............. CDLOAN_MINORITY_BAL... Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of balances of
CD loans provided to
or that support
minority depository
institutions,
women's depository
institutions, CDFIs,
low-income credit
unions and other
affordable housing-
related CD loans.
44............. CDLOAN_OTHER_BAL...... Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of balances of
CD loans other than
those captured in
column 43.
45............. CDINVT_BAL............ Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of balances of
CD investments held
on balance sheet,
excluding mortgage-
backed securities
and municipal bonds.
46............. MBS_BAL............... Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of balances of
qualifying mortgage
backed securities.
47............. MUNI_BAL.............. Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of balances of
qualifying municipal
bonds.
[[Page 81276]]
48............. CDINVTFUND_BAL........ Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of community
development
investment funds
that are syndicated
or sponsored by the
bank for the purpose
of obtaining
financing from other
investors and
support one or more
projects that are
eligible for low-
income housing tax
credits or new
markets tax credits
(exclude the portion
of the syndication
on the bank's
balance sheet and
report in the
appropriate column
above).
49............. CDSERV_BAL............ Numeric.................. County-level sum of Reported in thousands
CD services of dollars.
performed during the
quarter.
50............. DONATION_MINORITY_BAL. Numeric.................. County-level sum of Reported in thousands
qualifying monetary of dollars.
or in-kind donations
provided to or that
support minority
depository
institutions,
women's depository
institutions, CDFIs,
low-income credit
unions.
51............. DONATION_OTHER_BAL.... Numeric.................. County-level sum of Reported in thousands
qualifying monetary of dollars.
or in-kind donations
other than those
captured in column
50.
----------------------------------------------------------------------------------------------------------------
Note: For the qualifying activities, report the county-level quantified dollar value of the balances for each
type of activity below. Only calculate the dollar value of qualifying retail loans not originated and sold
within 365 days.
10. For Table 1, Columns 52 -59, please include the mortgage and
consumer loans only if the borrower income status is not available and
the loan is not located in Indian country or other tribal and native
lands. For these loans, use the tract income level as a proxy to
determine whether the retail loan is qualifying.
11. Calculate and report the sum, at the county level, of the
quantified dollar value of all quarter-end balances for these mortgage
and consumer loans that are generated by branches in LMI tracts.
Table 1--Columns 52-59--The Quarter-End Quantified Dollar Value of Qualifying Activities by County, Quarter
----------------------------------------------------------------------------------------------------------------
Column Data name Format Data definition Comments
----------------------------------------------------------------------------------------------------------------
52............. MTG_TI_BAL............ Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of balances of
qualifying home
mortgages, where
mortgages are
assumed to qualify
based on tract
income, excluding
those sold within
365 days of
origination by the
bank.
53............. AUTO_TI_BAL........... Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of balances of
qualifying auto
loans, where auto
loans are assumed to
qualify based on
tract income,
excluding those sold
within 365 days of
origination by the
bank.
54............. OTHER_RCP_TI_BAL...... Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of balances of
qualifying other
revolving credit
plans, where other
revolving credit
plans are assumed to
qualify based on
tract income,
excluding other
revolving credit
plans sold within
365 days of
origination by the
bank and any
overdraft plans.
55............. OTHER_CONS_TI_BAL..... Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of balances of
qualifying other
consumer loans,
where other consumer
loans are assumed to
qualify based on
tract income,
excluding other
consumer loans sold
within 365 days of
origination by bank
and any credit cards
or overdrafts.
56............. MTG_TI_BAL_LMIBR...... Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of retail loan
balances reported in
column 52 that are
generated by
branches in LMI
census tracts.
57............. AUTO_TI_BAL_LMIBR..... Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of retail loan
balances reported in
column 53 that are
generated by
branches in LMI
census tracts.
58............. OTHER_RCP_TI_BAL_LMIBR Numeric.................. Quarter-end, county- Reported in thousands
level sum of the of dollars.
quantified dollar
value of retail loan
balances reported in
column 54 that are
generated by
branches in LMI
census tracts.
59............. OTHER_CONS_TI_BAL_LMIB Numeric.................. Quarter-end, county- Reported in thousands
R. level sum of the of dollars.
quantified dollar
value of retail loan
balances reported in
column 55 that are
generated by
branches in LMI
census tracts.
----------------------------------------------------------------------------------------------------------------
[[Page 81277]]
Applications and Loan Originations for Each Retail Lending Product Line
As discussed in the final rule, the quantified dollar value is
required to determine the CRA evaluation measure under Sec. 25.11 of
the final rule. Additionally, the loan volume of a bank's qualifying
activities is required for the retail lending distribution tests under
Sec. 25.12 of the final rule. Both the CRA evaluation measure and the
retail lending distribution tests will in turn help determine a bank's
presumptive ratings under Sec. 25.13 of the final rule. Obtaining
information on retail loan applications and originations will, in the
near term, help inform the OCC about banks' credit supply decisions
across geographies, supplement existing data, and assist the OCC in
assessing the CRA evaluation measure under Sec. 25.11 of the final
rule and the retail lending distribution tests under Sec. 25.12 of the
final rule. Over time, it will assist the OCC in further developing its
thinking on how to refine and improve the CRA framework.\8\
---------------------------------------------------------------------------
\8\ See various studies using application information to
understand credit supply such as: Antoniades, A. (2016. ``).
Liquidity Risk and the Credit Crunch of 2007-2008: Evidence from
Micro-Level Data on Mortgage Loan Applications.''. Journal of
Financial and Quantitative Analysis, 51(6):), 1795-1822; and Mian,
Atif, and Amir Sufi. 2009. ``The Consequences of Mortgage Credit
Expansion: Evidence from the U.S. Mortgage Default Crisis.'','' The
Quarterly Journal of Economics, Volume 124(, Issue 4):, November
2009, Pages 1449-1496; Puri, Manju, Jorg Rocholl, and Sascha
Steffen. (2011. ``) Global retail lending in the aftermath of the US
financial crisis: Distinguishing between supply and demand
effects.'', Journal of Financial Economics 100(3):) 556-578.
---------------------------------------------------------------------------
12. Report all retail loans applications.
13. For each retail loan origination, provide the unique loan
identification number.
14. For each retail loan application, provide the following
geographic information for the location of the loan application at the
time of submission: County, MD/MSA, state, census tract, and the
facility-based or deposit-based assessment area number (using the same
set of unique assessment area identification numbers as in Table 1).
The location of a loan application should be determined in a manner
consistent with Sec. 25.24 of the final rule. For example, the
location of an application for a home mortgage loan would be determined
by the address of the property to which the loan relates.
15. For each retail loan application, provide the loan type, and if
the loan was originated, provide balance at origination, origination
date, and sell date.
16. For each mortgage and consumer loan application, provide the
income of the applicant(s). For each loan application for a home
mortgage or consumer loan, indicate the LMI status of the applicant.
For each loan application from a business or farm, provide the revenue
of the business or farm at the time of submission; additionally, for
these loan applications, provide an indicator of the business or farm's
revenue category.
17. For each retail loan origination, indicate whether the loan was
generated by a branch located in an LMI census tract.
18. Are there burdens associated with collecting or reporting the
data described in this section of this information collection?
Table 2--Full List of Retail Loan Applications and Originations
----------------------------------------------------------------------------------------------------------------
Column Data name Format Data definition Comments
----------------------------------------------------------------------------------------------------------------
1.............. LOAN_ID............... String................... Loan ID.............. Provide Universal
Loan Identifier
(ULI) if the loan
was originated, and
where available.
2.............. COUNTY................ String................... County FIPS.......... County FIPS code (3-
digit), e.g., report
201 if Harris
County, TX.
3.............. MD_MSA................ String................... MD/MSA............... MD/MSA code (5-
digit), e.g., report
26420 if Houston-The
Woodlands-Sugar
Land, TX.
4.............. STATE................. String................... State FIPS........... State FIPS code (2-
digit), e.g., report
48 if Harris County,
TX.
5.............. TRACT................. String................... Census tract......... Tract FIPS code (6-
digit), e.g., report
223100 if Census
Tract 2231 in Harris
County, TX.
6.............. AA_ID................. String................... Facility-based or Numeric indicator,
deposit-based created by the bank,
assessment area that uniquely
number. identifies each
facility-based or
deposit-based
assessment area. Use
code -98 if a loan
is not within a
facility-based or
deposit-based
assessment area.
7.............. LOAN_TYPE............. String................... Loan type............ 1: Mortgage; 2: Other
revolving credit
plan; 3: Auto; 4:
Other consumer loan;
5: Small loan to a
business; 6: Small
loan to a farm.
8.............. ACTION_TYPE........... String................... Loan decision........ 0: Loan not
originated; 1: Loan
originated.
9.............. ORIG_BAL.............. Numeric.................. Balance at Reported in thousands
origination. of dollars. Use code
-98 if the loan was
not originated.
10............. APPL_DATE............. String................... Application Date..... MMDDYYYY
11............. ORIG_DATE............. String................... Origination date..... MMDDYYYY. Use code -
98 if the loan was
not originated.
12............. SELL_DATE............. String................... Sell date............ MMDDYYYY. Use code -
98 if the loan was
not originated or if
the loan was not
sold.
[[Page 81278]]
12............. INCOME................ Numeric.................. Income of the Use income of the
applicant(s). applicant(s) that
would be used to
determine LMI
status. Reported in
thousands of
dollars. Use code -
98 if the bank does
not have the
applicant's income,
or not applicable.
13............. LMIBR_IND............. String................... LMI branch indicator. 1 if the loan
origination or
application was
generated by a
branch that is
located in an LMI
census tract; 0
otherwise.
14............. REVENUE............... Numeric.................. Revenue of business Use code -98 if not
or farm. applicable (i.e.,
not a business or
farm). Use code -98
if the bank does not
have the revenue of
the business or
farm. Reported in
thousands of
dollars.
15............. REVENUE_IND........... String................... Revenue indicators of 1 if revenue of the
the business or farm. business or farm is
less than $500,000.
2 if the revenue of
the business or farm
is between $500,000
and $1,000,000.
3 if the revenue of
the business or farm
is greater than
$1,000,000 and less
than or equal to
$1,600,000.
4 if the revenue of
the business or farm
is over $1,600,000.
Use code -99 if
unknown. Use code -
98 if not applicable
(i.e., not a
business or farm).
16............. LMI_IND............... String................... LMI indicator for the 0 if the applicant is
applicant. not LMI.
1 if the applicant is
LMI.
Use code -99 if
unknown. Use code -
98 if not applicable
(i.e., not an
application for a
home mortgage or
consumer loan).
----------------------------------------------------------------------------------------------------------------
Branch Locations
As discussed in the final rule, the percentage of a bank's branches
located in or that serve LMI census tracts, distressed areas,
underserved areas, and Indian country or other tribal and native lands
is required to determine the CRA evaluation measure under Sec. 25.11
of the final rule, which is considered in determining a bank's
presumptive ratings under Sec. 25.13 of the final rule.
19. Report the unique number of the branch, as used in the Summary
of Deposits file, for the full list of branches on the last day of each
year.
20. Using the same set of unique assessment area IDs as in Table 1,
identify the facility-based assessment area for each branch.
21. Report the address, as well as the census tract, county, MSA/
MD, and state FIPS codes, for each branch.
22. Report the year that the branch is associated with, as
mentioned in Question 19. Note that the same branch will have an entry
for each year for which it is open on the last day of the year.
23. Are there burdens associated with collecting or reporting the
data described in this section of this information collection?
Table 3--Full List of Branches at Year-End
----------------------------------------------------------------------------------------------------------------
Column Data name Format Data definition Comments
----------------------------------------------------------------------------------------------------------------
1.............. UNINUMBR.............. String................... Unique number........ Unique number used in
the Summary of
Deposits file.
2.............. AA_ID................. String................... Facility-based Numeric indicator,
assessment area created by the bank,
number. that uniquely
identifies each
facility-based
assessment area. Use
code -98 if the loan
is not within a
facility-based
assessment area.
3.............. BR_STREET............. String................... Street............... Street should be
based on branch's
physical location,
e.g., report 400 7th
St. SW if 400 7th
St. SW, Washington,
DC 20219.
[[Page 81279]]
4.............. BR_CITY............... String................... City................. City should be based
on branch's physical
location, e.g.,
report Washington if
400 7th St. SW,
Washington, DC
20219.
5.............. BR_STATE.............. String................... State abbreviation... State abbreviation (2-
letter) should be
based on branch's
physical location,
e.g., report DC if
400 7th St. SW,
Washington, DC
20219.
6.............. BR_ZIP................ String................... Zip code............. Zip code (5-digit)
should be based on
branch's physical
location, e.g.,
report 20219 if 400
7th St. SW,
Washington, DC
20219.
7.............. TRACT................. String................... Census tract......... Tract FIPS code (6-
digit), e.g., report
223100 if Census
Tract 2231 in Harris
County, TX.
8.............. COUNTY................ String................... County............... County FIPS code (3-
digit), e.g., report
201 if Harris
County, TX.
9.............. MD_MSA................ String................... MD/MSA............... MD/MSA code (5-
digit), e.g., report
26420 if Houston-The
Woodlands-Sugar
Land, TX.
10............. STATE................. String................... State................ State FIPS code (2-
digit), e.g., report
48 if Harris County,
TX.
11............. YEAR.................. String................... Year................. 20XX.
----------------------------------------------------------------------------------------------------------------
Burden Estimates
Estimated Number of Respondents: 105.
Estimated Annual Burden: 146,000 hours.
Comments submitted in response to this notice will be summarized
and included in the request for OMB approval. All comments will become
a matter of public record. Comments are invited on:
(a) Whether the collection of information is necessary for the
proper performance of the functions of the OCC, including whether the
information has practical utility; (b) The accuracy of the OCC's
estimate of the information collection burden; (c) Ways to enhance the
quality, utility, and clarity of the information to be collected; (d)
Ways to minimize the burden of the collection on respondents, including
through the use of automated collection techniques or other forms of
information technology; and
(e) Estimates of capital or start-up costs and costs of operation,
maintenance, and purchase of services to provide information.
Bao Nguyen,
Principal Deputy Chief Counsel, Office of the Comptroller of the
Currency.
[FR Doc. 2020-27524 Filed 12-14-20; 8:45 am]
BILLING CODE 4810-33-P
