National Banks, Federal Savings Associations and Federal Branches of Foreign Banking Organizations Evaluated on the Basis of a Strategic Plan Under the Community Reinvestment Act (CRA)

As of August 2, 2024

Under the Community Reinvestment Act (CRA), a national bank, federal savings association, or federal branch of a foreign banking organization (collectively, bank) may apply to the OCC to be evaluated under a strategic plan. The strategic plan option provides a bank with the opportunity to tailor its CRA objectives to the needs of the community and to its own capacities, business strategies, and expertise. Not all of the factors described in the regulation necessarily apply to each strategic plan. The required contents of a strategic plan as well as the OCC's criteria for evaluating a strategic plan are specified in the OCC's CRA regulations at 12 CFR 25.27.

Bank Name	Location	Charter No.	Decision Date
Bank Of Whittier, N.A.	Whittier, CA	17548	Approved 07/02/2024
Esquire Bank, N.A.	Jericho, NY	25125	Approved 07/01/2024
First Century Bank, N.A.	Gainesville, GA	24169	Approved 10/14/2022
HSBC Bank USA, N.A.	Tysons Corner, VA	24522	Approved 08/29/2022
Industrial and Commercial Bank of China (USA), N.A.	New York, NY	24440	Approved 12/22/2020
LendingClub Bank, N.A.	Lehi, UT	25228	Approved 08/02/2024
Morgan Stanley Bank, N.A.	Salt Lake City, UT	24908	Approved 12/18/2019
Morgan Stanley Private Bank, N.A.	Purchase, NY	24981	Approved 05/15/2023
Pathward, N.A.	Sioux Falls, SD	25195	Approved 01/19/2024
Sofi Bank, N.A.	Cottonwood Heights, UT	20862	Approved 01/12/2023
The Bancorp Bank, N.A.	Wilmington, DE	25279	Approved 12/15/2022
Titan Bank, N.A.	Mineral Wells, TX	12437	Approved 12/10/2019
USAA, Federal Savings Bank	San Antonio, TX	707975	Approved 11/19/2021
Varo Bank, N.A.	Draper, UT	25147	Approved 06/30/2020