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Interpretations and Actions: June 2017

Vol. 30, No. 6

CRA Decisions

Letter No. Topic
182 (PDF) Application to merge Scottrade Bank, St. Louis, Missouri, with and into TD Bank, National Association, Wilmington, Delaware  (Control Number:  2016-NE-Combination-293512), 05/18/2017

Conditional Approvals

Letter No. Topic
1172 (PDF) Applications by UBS AG, Zurich, Switzerland, to convert the UBS Stamford Branch and the UBS Chicago Branch from State branches to Federal branches. (Control Numbers:  2016-NE-FBS-ConversionStateToFed-293425 &293427), 03/30/2017
1173 (PDF) Application to convert Heritage Bank of St. Tammany, Covington, Louisiana, to a federally chartered stock savings association and to make a capital distribution, to waive 12 CFR 192.345 and 192.395(b) to the extent the Savings Association has requested, and to approve the Savings Association’s definition of its local community in its Plan of Conversion  (Control Number:  2017-HQ-MutualStock-294900), 05/15/2017
1174 (PDF) Application by United Fidelity Bank, FSB, Evansville, Indiana, to purchase certain assets and assume certain liabilities of Fayette County Bank, St. Elmo, Illinois  (Control Number:  2017-CE-FailureAcq-296914), 05/26/2017

Community Reinvestment Act (CRA) Performance Evaluations

See OCC News Release 2017-63 announcing all CRA performance evaluations that became public from May 1, 2017 through May 31, 2017. A search of all public CRA evaluations can be done at

Final Enforcement Actions

See OCC News Release 2017-67 announcing the availability of enforcement actions. All final enforcement actions are searchable at

PLEASE NOTE: Interpretive Letters and No-Objection Letters reflect the views of the Office of the Comptroller of the Currency’s (OCC) legal staff. Corporate Decisions, CRA Decisions and Conditional Approvals are from the office of Licensing Activities. The Community Development Investment Letters are from the office of Community Affairs. The Supervisory Conditions Letters are from the Special Supervision Division. The list of CRA Ratings is from the Communications Division.

You can obtain copies of CRA evaluations or enforcement actions by writing to the Freedom of Information Act Officer, Disclosure Services, Communications Division, OCC, 400 7th Street, SW, Suite 3E-218, Washington, DC 20219. You may also submit a request electronically at the OCC’s online FOIA site, Please provide all identifying information when requesting documents. You may also contact the bank directly for copies of the CRA evaluations.

The OCC publishes INTERPRETATIONS AND ACTIONS monthly. Send suggestions, comments or questions to Jacqueline England, Disclosure Services, Communications Division, OCC, 400 7th Street, SW, Suite 3E-218, Washington, DC 20219.