Comment Letters and Testimony

General Comment Letters

Responses to Rulemaking Notices

Testimony and Speeches

General Comment Letters

CRA Letter to Chairman Powell, McWilliams, and Otting Regarding Recent News That Agencies Will Issue a Proposed Rule to Revise Regulations Implementing the Community Reinvestment Act
December 11, 2019

Letter to Senator Brown Regarding the Interagency Initiative to Modernize the Regulatory Framework Implementing the Community Reinvestment Act
November 13, 2019

Warner Letter Urging Bank Regulators to Strengthen Credit Access for Low-Income Communities
May 25, 2018

September 2014: Interagency Questions and Answers Regarding Community Reinvestment, Docket OCC–2014–0021

LIHTC Working Group Comment Letter on the Proposed Changes to the Interagency Q&A Regarding Community Reinvestment
LIHTC Working Group, November 10, 2014

NMTC Working Group Comment Letter on the Proposed Changes to the Interagency Q&A Regarding Community Reinvestment
NMTC Working Group, November 10, 2014

Sign-On Letter on the Proposed Changes to the Interagency Q&A Regarding Community Reinvestment
National Trust for Historic Preservation, November 4, 2014

Letter To Members of the FFIEC Requesting Clarification of OCC Policies Concerning Bank Investments in Multi-Investor, Multi-State Funds
Community Development Organizations, December 15, 2009

Addendum: Organization Profiles

Responses to Rulemaking Notices

May 2022: Joint Notice of Proposed Rulemaking

The public was invited to offer comment about how CRA activities qualify for consideration, where CRA activities are considered, and how CRA activities are evaluated.

Comment Letters about 2022 Joint Notice of Proposed Rulemaking (Docket ID OCC-2022-0002/RIN 7100-AG/RIN 3064-AF81)

September 2021: Community Reinvestment Act Regulations, Final Community Reinvestment Act (CRA) rule

The Comptroller of the Currency adopted a final Community Reinvestment Act (CRA) rule that is based largely on the 1995 CRA rules.

OZ Working Group Letter to OCC about Docket ID OCC-2021-0014 (Community Reinvestment Act Regulations)
Oct. 29, 2021

NMTC Working Group Letter to OCC about Docket ID OCC-2021-0014 (Community Reinvestment Act Regulations)
Oct. 29, 2021

LIHTC Working Group Letter to OCC about Docket ID OCC-2021-0014 (Community Reinvestment Act Regulations)
Oct. 29, 2021

September 2020: Advanced Notice of Proposed Rulemaking (ANPR) on Reforming the Community Reinvestment Act Regulatory Framework

The Board of Governors of the Federal Reserve System requested public input regarding modernizing the Board's Community Reinvestment Act regulatory and supervisory framework.

Opportunity Zones Working Group Letter to Federal Reserve Board about CRA Advance Notice of Proposed Rulemaking Docket No. R-1723 and RIN 7100-AF94
February 16, 2021

January 2020: Joint Notice of Proposed Rulemaking

The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation proposed rule would strengthen the CRA regulations by clarifying which activities qualify for CRA credit, updating where activities count for CRA credit, creating a more transparent and objective method for measuring CRA performance, and providing for more transparent, consistent, and timely CRA-related data collection, recordkeeping, and reporting.

A.C.T.I.O.N. Campaign Comment Letter
April 8, 2020

Enterprise Community Partners Comment Letter
April 8, 2020

LIHTC Working Group Letter to OCC and FDIC in Response to NPR on Community Reinvestment Act
April 8, 2020

NMTC Working Group Letter to OCC and FDIC in Response to NPR on Community Reinvestment Act
April 8, 2020

Local Initiatives Support Corporation Comment Letter
April 8, 2020

National Housing Conference Comment Letter
April 8, 2020

Opportunity Zones Working Group Letter to OCC and FDIC in Response to NPR on Community Reinvestment Act
April 8, 2020

National Association of Affordable Housing Lenders Comment Letter
April 7, 2020

Affordable Housing Tax Credit Coalition Comment Letter
April 6, 2020

Housing Advisory Group Executive Committee Submits Comments on Proposed CRA Reform
April 1, 2020

September 2018: Advance Notice of Proposed Rulemaking

The Office of the Comptroller of the Currency invited comments about ideas for building a new framework to transform or modernize the regulations that implement the CRA.

A.C.T.I.O.N. Campaign

Affordable Housing Tax Credit Coalition

American Bankers Association

Enterprise Community Partners

Housing Partnership Network

Local Initiatives Support Corporation

Mortgage Bankers Association

National Association of Affordable Housing Lenders

National Association of Home Builders

National Council of State Housing Agencies

National Association of State and Local Equity Funds

National Housing Conference

National Multifamily Housing Council and the National Apartment Association

Novogradac LIHTC Working Group

Novogradac NMTC Working Group

Novogradac OZ Working Group

Opportunity Finance Network

Stewards of Affordable Housing for the Future

Testimony and Speeches

Modernizing and Strengthening CRA  Regulations: A Conversation with the Chicago Community Trust
December 1, 2020

Testimony of Comptroller Joseph M. Otting before the Committee on Financial Services, U.S. House of Representatives
January 29, 2020

Testimony of Comptroller Joseph M. Otting before the Committee on Financial Services, U.S. House of Representatives
June 13, 2018