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To: Chief Executive Officers of All National Banks, Federal Savings Associations, and Federal Branches and Agencies; Staff Responsible for Licensing and CRA; All Examining Personnel; and Other Interested Parties

Description: Impact of CRA Ratings on Licensing Applications


The Office of the Comptroller of the Currency (OCC) is issuing guidance to provide transparency regarding its framework for evaluating certain types of licensing applications when an applicant bank has an overall Community Reinvestment Act (CRA) rating of “Needs to Improve” or “Substantial Noncompliance” (together, less than satisfactory CRA performance rating) or a less than satisfactory CRA rating in one or more geographic rating areas. This guidance applies to all national banks, federal savings associations, and federal branches of foreign banks (collectively, banks) that are subject to the CRA. It also applies to state-chartered institutions subject to the CRA that propose to convert to a federal charter.

Note for Community Banks

This guidance applies to all OCC-supervised banks subject to the CRA, including community banks.

Further Information

Please contact Karen Marcotte, Manager for Licensing Activities, at (202) 649-6260.


Stephen A. Lybarger
Deputy Comptroller for Licensing


Related Link

  • PPM 6300-2, “Impact of CRA Ratings on Licensing Applications”