Community Reinvestment Act Regulation

Forms and Documents

Document Name	Status
Qualifying Activities Confirmation and Illustrative List 25.05(c) Form	Removed
1557-0160 Supporting Statement for 95 Rule NPR 9-16-21.docx Supporting Statement A	2021-09-16

IC Document Collections

IC ID	Document Title	Status
41245	Qualifying Activities Confirmation and Illustrative List 25.05(c) Form	Removed
249369	Content and Availability of Public File	New
249368	Data on Lending by a Consortium or a Third Party	New
249367	Data on Affiliate Lending	New
249366	Other Loan Data	New
249365	Consumer Loan Data	New
249364	Home Mortgage Loans	New
249363	Community Development Loan Data	New
249362	Small Business/Small Farm Loan Data	New
249361	Small Business/Small Farm Loan Data	New
241896	Request for Designation as a Wholesale or Limited Purpose Bank or Savings Association	Modified
241895	CRA Credit Desert Confirmation 25.06	Removed
238851	Content and Availability of the Public File 25.28	Removed
238850	Reporting for Banks Evaluated under the General Performance Standards or a Strategic Plan 25.26	Removed
238849	Recordkeeping 25.25	Removed
238848	Retail Domestic Deposit Data Collection and Recordkeeping for Small Banks Evaluated under Small Bank Performance Standards 25.22	Removed
238847	Data Collection for Banks Evaluated under General Performance Standards or Strategic Plan 25.21	Removed
238846	Strategic Plan	Modified
238845	Consideration of Performance Context 25.16(c)	Removed
238844	Assessment Area	Modified

ICR Details

OMB Control No: 1557-0160	ICR Reference No: 202112-1557-002
Status: Active	Previous ICR Reference No: 202008-1557-003
Agency/Subagency: TREAS/OCC	Agency Tracking No:
Title: Community Reinvestment Act Regulation
Type of Information Collection: Revision of a currently approved collection	Common Form ICR:  No
Type of Review Request: Regular
OIRA Conclusion Action: Approved without change	Conclusion Date: 12/15/2021
	Date Received in OIRA: 12/15/2021
Terms of Clearance:

	Inventory as of this Action	Requested	Previously Approved
Expiration Date	12/31/2023	36 Months From Approved	07/31/2023
Responses	2,158	0	1,402
Time Burden (Hours)	113,351	0	603,260
Cost Burden (Dollars)	0	0	0

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Abstract: The OCC is proposing to revise the OCC’s regulation implementing the CRA based on the regulations adopted by the OCC, Federal Deposit Insurance Corporation (FDIC), and Board of Governors of the Federal Reserve System (Board) (the agencies) on May 4, 1995 (1995 rule) to replace the CRA rule adopted on June 5, 2020, (June 2020 rule) with a revised 12 CFR part 25 and a reinstated 12 CFR part 195. This proposal would rescind the June 2020 rule and would align the OCC’s CRA regulations with those of the FDIC and Board. Aligning the agencies’ CRA regulations would facilitate the interagency rulemaking process by setting a level playing field thereby enabling the agencies to work more effectively on modernizing the CRA.

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Authorizing Statute(s): US Code: 12 USC 2901 et seq. Name of Law: Community Reinvestment Act
  

Citations for New Statutory Requirements: None

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Associated Rulemaking Information
RIN:	Stage of Rulemaking:	Federal Register Citation:	Date:
1557-AF15	Final or interim final rulemaking	86 FR 71318	12/15/2021

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Federal Register Notices & Comments

Did the Agency receive public comments on this ICR? No

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Number of Information Collection (IC) in this ICR: 12

IC Title	Form No.	Form Name
Assessment Area
CRA Credit Desert Confirmation 25.06
Community Development Loan Data
Consideration of Performance Context 25.16(c)
Consumer Loan Data
Content and Availability of Public File
Content and Availability of the Public File 25.28
Data Collection for Banks Evaluated under General Performance Standards or Strategic Plan 25.21
Data on Affiliate Lending
Data on Lending by a Consortium or a Third Party
Home Mortgage Loans
Other Loan Data
Qualifying Activities Confirmation and Illustrative List 25.05(c)	N/A	CRA Qualifying Activity Form
Recordkeeping 25.25
Reporting for Banks Evaluated under the General Performance Standards or a Strategic Plan 25.26
Request for Designation as a Wholesale or Limited Purpose Bank or Savings Association
Retail Domestic Deposit Data Collection and Recordkeeping for Small Banks Evaluated under Small Bank Performance Standards 25.22
Small Business/Small Farm Loan Data
Small Business/Small Farm Loan Data
Strategic Plan

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ICR Summary of Burden

	Total Approved	Previously Approved	Change Due to New Statute	Change Due to Agency Discretion	Change Due to Adjustment in Estimate	Change Due to Potential Violation of the PRA
Annual Number of Responses	2,158	1,402	0	756	0	0
Annual Time Burden (Hours)	113,351	603,260	0	-489,909	0	0
Annual Cost Burden (Dollars)	0	0	0	0	0	0

Burden increases because of Program Change due to Agency Discretion: Yes

Burden Increase Due to: Changing Regulations

Burden decreases because of Program Change due to Agency Discretion: Yes

Burden Reduction Due to: Changing Regulations

Short Statement: The reduction in burden is due to changing regulations.

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Annual Cost to Federal Government: $0

Does this IC contain surveys, censuses, or employ statistical methods? No

Does this ICR request any personally identifiable information (see OMB Circular No. A-130 for an explanation of this term)? Please consult with your agency's privacy program when making this determination.     No

Does this ICR include a form that requires a Privacy Act Statement (see 5 U.S.C. §552a(e)(3))? Please consult with your agency's privacy program when making this determination.     No

Is this ICR related to the Affordable Care Act [Pub. L. 111-148 & 111-152]? No

Is this ICR related to the Dodd-Frank Wall Street Reform and Consumer Protection Act, [Pub. L. 111-203]? No

Is this ICR related to the American Recovery and Reinvestment Act of 2009 (ARRA)? No

Is this ICR related to the Pandemic Response? No

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Common Form ICR:  No

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On behalf of this Federal agency, I certify that the collection of information encompassed by this request complies with 5 CFR 1320.9 and the related provisions of 5 CFR 1320.8(b)(3).

The following is a summary of the topics, regarding the proposed collection of information, that the certification covers:

(a) It is necessary for the proper performance of agency functions;

(b) It avoids unnecessary duplication;

(c) It reduces burden on small entities;

(d) It uses plain, coherent, and unambiguous language that is understandable to respondents;

(e) Its implementation will be consistent and compatible with current reporting and recordkeeping practices;

(f) It indicates the retention periods for recordkeeping requirements;

(g) It informs respondents of the information called for under 5 CFR 1320.8 (b)(3) about:

(i) Why the information is being collected;

(ii) Use of information;

(iii) Burden estimate;

(iv) Nature of response (voluntary, required for a benefit, or mandatory);

(v) Nature and extent of confidentiality; and

(vi) Need to display currently valid OMB control number;

(h) It was developed by an office that has planned and allocated resources for the efficient and effective management and use of the information to be collected.

(i) It uses effective and efficient statistical survey methodology (if applicable); and

(j) It makes appropriate use of information technology.

If you are unable to certify compliance with any of these provisions, identify the item by leaving the box unchecked and explain the reason in the Supporting Statement.

Certification Date: 09/17/2021

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