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<REGINFO_RIN_DATA xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" RUN_DATE="2026-10-24-04:00" xsi:noNamespaceSchemaLocation="https://www.reginfo.gov/public/xml/REGINFO_XML_Ver10262011.xsd">
    <RIN_INFO>
        <RIN>3064-AD45</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>3064</CODE>
            <NAME>Federal Deposit Insurance Corporation</NAME>
            <ACRONYM>FDIC</ACRONYM>
        </AGENCY>
        <RULE_TITLE>Community Reinvestment Act Regulations</RULE_TITLE>
        <ABSTRACT><![CDATA[The OCC, the Board, the FDIC, and the OTS (collectively, the Agencies) issued this notice of proposed rulemaking that would revise our rules implementing the Community Reinvestment Act (CRA).  The proposed rule would incorporate into our rules recently adopted statutory language that requires the Agencies, when assessing an institutions record of meeting community credit needs, to consider, as a factor, low-cost education loans provided by the financial institution to low-income borrowers.  The proposal also would incorporate into our rules statutory language that allows the Agencies, when assessing an institutions record, to consider as a factor capital investment, loan participation, and other ventures undertaken by nonminority-owned and nonwomen-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 345</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>12 USC 1814 to 1817</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 1819 to 1820</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 1828 to 1831u</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>12 USC 2901 to 2908</LEGAL_AUTHORITY>
            <LEGAL_AUTHORITY>...</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>
        <FURTHER_INFO_URL>http://www.fdic.gov/regulations/laws/federal/2009/09proposeAD45.pdf</FURTHER_INFO_URL>
        <PUBLIC_COMMENT_URL>http://www.fdic.gov/regulations/laws/federal/2009/09comAD45.html</PUBLIC_COMMENT_URL>
        <PRINT_PAPER>No</PRINT_PAPER>
        <INTERNATIONAL_INTEREST>No</INTERNATIONAL_INTEREST>
        <AGENCY_CONTACT_LIST>
            <CONTACT>
                <FIRST_NAME>Susan</FIRST_NAME>
                <LAST_NAME>Van den Toorn</LAST_NAME>
                <TITLE>Counsel</TITLE>
                <AGENCY>
                    <CODE>3064</CODE>
                    <NAME>Federal Deposit Insurance Corporation</NAME>
                    <ACRONYM>FDIC</ACRONYM>
                </AGENCY>
                <PHONE>202 898-8707</PHONE>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>550 17th Street NW.,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20429</ZIP>
                </MAILING_ADDRESS>
            </CONTACT>
        </AGENCY_CONTACT_LIST>
    </RIN_INFO>
</REGINFO_RIN_DATA>
