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    <RIN_INFO>
        <RIN>1550-AC35</RIN>
        <PUBLICATION>
            <PUBLICATION_ID>200910</PUBLICATION_ID>
            <PUBLICATION_TITLE>The Regulatory Plan and the Unified Agenda of Federal Regulatory and Deregulatory Actions</PUBLICATION_TITLE>
        </PUBLICATION>
        <AGENCY>
            <CODE>1550</CODE>
            <NAME>Office of Thrift Supervision</NAME>
            <ACRONYM>OTS</ACRONYM>
        </AGENCY>
        <PARENT_AGENCY>
            <CODE>1500</CODE>
            <NAME>Department of the Treasury</NAME>
            <ACRONYM>TREAS</ACRONYM>
        </PARENT_AGENCY>
        <RULE_TITLE>Community Reinvestment Act Regulations</RULE_TITLE>
        <ABSTRACT><![CDATA[OTS, together with the OCC, Federal Reserve, and FDIC are issuing a final rule to implement an amendment made to CRA by the Higher Education Opportunity Act.  The amendment requires the Agencies to consider as a factor in CRA evaluations low-cost education loans provided by an institution to low-income borrowers and to issue an implementing rule by August 14, 2009. The Agencies are also proposing to codify in the rule existing question and answer guidance on considering as a factor capital investment, loan participation, and other ventures undertaken by non-minority-owned and non-women-owned financial institutions in cooperation with minority and women-owned financial institutions and low-income credit unions.]]></ABSTRACT>
        <PRIORITY_CATEGORY>Substantive, Nonsignificant</PRIORITY_CATEGORY>
        <RIN_STATUS>First Time Published in The Unified Agenda</RIN_STATUS>
        <RULE_STAGE>Final Rule Stage</RULE_STAGE>
        <MAJOR>Undetermined</MAJOR>
        <UNFUNDED_MANDATE_LIST>
            <UNFUNDED_MANDATE>No</UNFUNDED_MANDATE>
        </UNFUNDED_MANDATE_LIST>
        <CFR_LIST>
            <CFR>12 CFR 563e</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>12 CFR 1462a</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 CFR 1463</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 CFR 1464</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 CFR 1467a</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 CFR 1814</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 CFR 1816</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 CFR 1828(c)</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 CFR 2901 to 2908</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST/>
        <RPLAN_ENTRY>No</RPLAN_ENTRY>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>NPRM</TTBL_ACTION>
                <TTBL_DATE>06/30/2009</TTBL_DATE>
                <FR_CITATION>74 FR 31209</FR_CITATION>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>NPRM Comment Period End</TTBL_ACTION>
                <TTBL_DATE>07/30/2009</TTBL_DATE>
            </TIMETABLE>
            <TIMETABLE>
                <TTBL_ACTION>Final Action</TTBL_ACTION>
                <TTBL_DATE>12/00/2009</TTBL_DATE>
            </TIMETABLE>
        </TIMETABLE_LIST>
        <RFA_REQUIRED>No</RFA_REQUIRED>
        <SMALL_ENTITY_LIST>
            <SMALL_ENTITY>No</SMALL_ENTITY>
        </SMALL_ENTITY_LIST>
        <GOVT_LEVEL_LIST>
            <GOVT_LEVEL>None</GOVT_LEVEL>
        </GOVT_LEVEL_LIST>
        <FEDERALISM>No</FEDERALISM>
        <ENERGY_AFFECTED>No</ENERGY_AFFECTED>
        <PRINT_PAPER>No</PRINT_PAPER>
        <INTERNATIONAL_INTEREST>No</INTERNATIONAL_INTEREST>
        <AGENCY_CONTACT_LIST>
            <CONTACT>
                <FIRST_NAME>Stephanie</FIRST_NAME>
                <LAST_NAME>Caputo</LAST_NAME>
                <TITLE>Community Affairs Specialist</TITLE>
                <AGENCY>
                    <CODE>1550</CODE>
                </AGENCY>
                <PHONE>202 906-6549</PHONE>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>1700 G Street NW.,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20552</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
            <CONTACT>
                <FIRST_NAME>Richard</FIRST_NAME>
                <LAST_NAME>Bennett</LAST_NAME>
                <TITLE>Senior Compliance Counsel, Regulations and Legislation Division</TITLE>
                <AGENCY>
                    <CODE>1550</CODE>
                </AGENCY>
                <PHONE>202 906-7409</PHONE>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>1700 G Street NW.,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20552</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
        </AGENCY_CONTACT_LIST>
    </RIN_INFO>
</REGINFO_RIN_DATA>
