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FDIC RIN: 3064-AC97 Publication ID: Fall 2010 
Title: Community Reinvestment Act; Interagency Questions and Answers Regarding Community Reinvestment 
Abstract: The OCC, Board, FDIC, and OTS (the Agencies) are adopting as final the Interagency Questions and Answers Regarding Community Reinvestment (Questions and Answers) that were proposed on July 11, 2007. In response to comments received, the Agencies clarified several of the new and revised questions and answers that were proposed and are withdrawing the proposed revisions to an existing question and answer. Also, in response to comments we received, the Agencies are proposing a new question and answer that would provide examples of how an institution can determine that community services it provides are targeted to low- and moderate-income individuals. The Agencies are also proposing to revise two existing questions and answers to allow pro rata consideration in certain circumstances for an activity that provides affordable housing targeted to low-or moderate income individuals. The Agencies invite public comment on these proposed new and revised questions and answers. 
Agency: Federal Deposit Insurance Corporation(FDIC)  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 25    12 CFR 228    12 CFR 345    12 CFR 563e     (To search for a specific CFR, visit the Code of Federal Regulations.)
Legal Authority: 12 USC 2901   
Legal Deadline:  None
Timetable:
Action Date FR Cite
Notice  11/10/2005  70 FR 68450   
Notice Comment Period End  01/09/2006    
Second Notice  03/10/2006  71 FR 12424   
Third Notice  07/11/2007  72 FR 37922   
Third Notice Comment Period End  09/10/2007    
Fourth Notice  01/06/2009  74 FR 498   
Fourth Notice Comment Period End  03/09/2009    
Fifth Notice  03/11/2010  75 FR 11642   
Additional Information: Email comments to: Comments@FDIC.gov--Include RIN 3064-AC97 on the subject line of the message.
Regulatory Flexibility Analysis Required: No  Government Levels Affected: None 
Small Entities Affected: No  Federalism: No 
Included in the Regulatory Plan: No 
RIN Information URL: www.fdic.gov/regulations/laws/federal/propose.html   Public Comment URL: www.fdic.gov/regulations/laws/federal/notices.html  
RIN Data Printed in the FR: No 
Related Agencies: Joint: TREAS/OCC, FRS, TREAS/OTS; 
Agency Contact:
Susan Van den Toorn
Counsel
Federal Deposit Insurance Corporation
550 17th Street NW.,
Washington, DC 20429
Phone:202 898-8707

Deirdre Foley
Fair Lending Specialist, Division of Compliance and Consumer Affairs
Federal Deposit Insurance Corporation
Washington, DC 20429
Phone:202 942-3042