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FDIC RIN: 3064-AD45 Publication ID: Spring 2011 
Title: Community Reinvestment Act Regulations 
Abstract: 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. 
Agency: Federal Deposit Insurance Corporation(FDIC)  Priority: Substantive, Nonsignificant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Completed Actions 
Major: No  Unfunded Mandates: No 
CFR Citation: 12 CFR 345   
Legal Authority: 12 USC 1814 to 1817    12 USC 1819 to 1820    12 USC 1828 to 1831u    12 USC 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 Action  10/04/2010  75 FR 61035   
Final Action Effective  11/03/2010    
Additional Information: Email comments to: Comments@FDIC.gov--Include RIN 3064-AD45 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/2009/09proposeAD45.pdf   Public Comment URL: www.fdic.gov/regulations/laws/federal/2009/09comAD45.html  
RIN Data Printed in the FR: No 
Related Agencies: Joint: TREAS/OCC, FRS, TREAS/OTS; 
Agency Contact:
Janet R Gordon
Senior Policy Analyst
Federal Deposit Insurance Corporation
550 17th Street NW.,
Washington, DC 20429
Phone:202 898-3850

Susan Van den Toorn
Counsel
Federal Deposit Insurance Corporation
550 17th Street NW.,
Washington, DC 20429
Phone:202 898-8707