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TREAS/OTS RIN: 1550-AC35 Publication ID: Fall 2010 
Title: Community Reinvestment Act Regulations 
Abstract: OTS, together with the OCC, Federal Reserve, and FDIC issued a proposed 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 also proposed 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. 
Agency: Department of the Treasury(TREAS)  Priority: Other Significant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Completed Actions 
Major: No  Unfunded Mandates: No 
CFR Citation: 12 CFR 563e     (To search for a specific CFR, visit the Code of Federal Regulations.)
Legal Authority: 12 CFR 1462a    12 CFR 1463    12 CFR 1464    12 CFR 1467a    12 CFR 1814    12 CFR 1816    12 CFR 1828(c)    12 CFR 2901 to 2908   
Legal Deadline:  None
Timetable:
Action Date FR Cite
NPRM  06/30/2009  74 FR 31209   
NPRM Comment Period End  07/30/2009    
Final Rule  10/04/2010  75 FR 61035   
Final Rule Effective  11/03/2010    
Regulatory Flexibility Analysis Required: No  Government Levels Affected: None 
Small Entities Affected: No  Federalism: No 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Agency Contact:
Stephanie Caputo
Community Affairs Specialist
Department of the Treasury
Office of Thrift Supervision
1700 G Street NW.,
Washington, DC 20552
Phone:202 906-6549

Richard Bennett
Senior Compliance Counsel, Regulations and Legislation Division
Department of the Treasury
Office of Thrift Supervision
1700 G Street NW.,
Washington, DC 20552
Phone:202 906-7409