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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 Developments Investments E-Zines and Newsletters

Expanding Housing Opportunities: Single-Family Rehabilitation Financing Programs (February 2018). Learn how banks are revitalizing communities by leveraging federal and government sponsored enterprise loan programs as well as tax credits to support community rehabilitation financing initiatives.

Multifamily Housing Preservation: Innovative Partnerships (March 2017): This newsletter describes the innovative approaches that national banks and federal savings associations are using to help preserve the nation's supply of affordable multifamily rental properties, ranging from predevelopment financing to new debt products and mission-driven equity investment structures.

Financing Health Care Centers: Supporting Community Wellness (June 2016). Articles discuss partnerships banks are forming to help finance the construction and expansion of community health centers. The articles provide an overview of the financing environment and describe the tools available to banks interested in health center financing.

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.

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 (Winter 2004/2005) describes the fundamentals of low-income housing tax credits, with a particular focus on topics of interest to community bankers new to this product.

Fact Sheets on Public Welfare Investment and Related Investment Topics

Insights Reports on Public Welfare Investment Topics

Related News and Issuances
Publish DateIdentifierTitle
01/25/2018  NR 2018-6, Agencies to Give Favorable Community Reinvestment Act Consideration to Revitalization Activities in Disaster Areas Affected by Hurricane Maria
11/01/2013  NR 2013-170, OCC Newsletter Focuses on Public Welfare Investments in Wind Energy Projects
07/06/2011  NR 2011-89, OCC Newsletter Focuses on National Bank Investments in Solar Energy