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General Information About Public Welfare Investments

OCC conducts best practice research and highlights examples of public welfare investments and community development best practices related to national bank and thrift investments. Those examples are described in the following Community Development Investments E-Zines, Community Developments newsletters, fact sheets, and Insights Reports.

Community Development Investment Articles 

  • Affordable Housing — Multi-Family
  • Affordable Housing — Single Family
  • Bank Community Development Corporations
  • Community Development Banks/Community Development Financial Institutions
  • Community Development Investment Funds
  • Community Development Venture Capital
  • Healthy Food Financing
  • Historic Redevelopment
  • Low Income Housing Tax Credits
  • Minority-Owned Financial Institutions
  • New Markets Tax Credits
  • Renewable Energy Finance
  • Rural Economic Development
  • Small Business/Microenterprise

Community Developments Investments E-Zines and Newsletters

Financing Business Development and Expansion in Rural America (November 2013): This issue focuses on initiatives that have allowed banks to expand their financing for small business development in rural areas across America.

Investing in Wind Energy Using the Public Welfare Investment Authority (Fall 2013): This issue examines how banks can be a source of financing for facilities that generate renewable wind energy.

Investing in Solar Energy Using the Public Welfare Investment Authority (July 2011): This issue highlights the innovative investments national banks have made in solar energy-producing facilities using their public welfare investment authority.

Public Welfare Investments: A Catalyst for Community Development (Fall 2010) The articles in this issue highlight community development investing in the common types of public welfare investments; compare the public welfare investment authority provisions with CRA; and explain the public welfare investment submission process, as well as documentation requirements for public welfare investments.

Multibank CDCs: Pooling Resources to Strengthen Communities (Fall 2008) The E-zine focuses on multibank community development corporations (MBCDCs) and features guidance for establishing a MBCDC. Additionally, it details three existing MBCDCs, and describes how MBCDCs use gap financing to complement bank loans.

Community Development Venture Capital: A Catalyst for Double-Bottom Line Results (Spring 2007) focuses on community development venture capital (CDVC) including descriptions of investments and due diligence advice.

Investing in Low-Income Housing Tax Credits: A Sound Opportunity for Community Banks (Spring 2006) describes the fundamentals of low-income housing tax credits, with a particular focus on topics of interest to community bankers new to this product.

Investment Intermediaries: Helping Banks Achieve a Double Bottom Line (Summer 2005) provides a look at two community development finance providers. These investment intermediaries offer banks the ability to earn a double bottom line return - of both economic earnings for the investing bank and social gain for the communities they serve.

Growing Markets with Bank-Owned Community Development Corporations (Spring 2006) describes the fundamentals of low-income housing tax credits, with a particular focus on topics of interest to community bankers new to this product.

New Markets Tax Credits — Bridging Financing Gaps (Summer 2004) focuses on how banks are leveraging these tax credits to revitalize economically distressed communities.

Community Development Financial Institutions and CD Banks - Natural Partners for Traditional Lenders (PDF 541KB) (Summer 2002)

Fact Sheets on Public Welfare Investment and Related Investment Topics

Insights Reports on Public Welfare Investment Topics