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Interpretations and Actions: May 2002

Vol. 15, No. 5

PLEASE NOTE: Interpretive Letters and No-Objection Letters reflect the views of the Comptroller's legal staff. Corporate Decisions, CRA Decisions and Conditional Approvals are from the office of Bank Organization and Structure. The list of CRA Ratings is from the Communications Division. For copies of the CRA evaluations, you may either contact the bank directly, or you may write to the Office of the Comptroller of the Currency (OCC) in any of three ways: by mail to the OCC, Attn: Public Information Room, Mail Stop 1-5, Washington, D.C. 20219; by fax to (202) 874-4448; or by e-mail to You may also write to the OCC for copies of enforcement actions and charters with standard conditions.

Members of the news media are encouraged to cite the letter number when reporting or summarizing documents from this package. This helps us to process single requests based upon your citation in a more timely manner.

Interpretive Letters

Letter No. Topic
932 Letter concerning bank's authority to charge convenience fee to non-accountholders cashing checks drawn on the bank. 08/17/2001
933 Letter concerning bank's authority to charge non-accountholders convenience fees to cash checks drawn on the bank. 08/17/2001
934 Letter concerning bank's authority to charge convenience fee to non-accountholders for cashing checks drawn on the bank. 08/20/2001

Corporate Decisions

Letter No. Topic
2002-07 Application to convert to a national banking association by First Indiana Bank, Indianapolis, Indiana, and financial subsidiary notification. (Control Numbers 2001 CE 01 004 & 2001 CE 08 028), 06/15/2001

Approvals with Conditions Enforceable under 12 U.S.C. 1818

Letter No. Topic
520 Application to convert Synovous Trust Company, Columbus, Georgia, into a national bank to be entitled "Synovous Trust Company, National Association." 04/29/2002

Charters with Standard Conditions

Each of the following charter application(s) were approved with a standard condition enforceable under 12 U.S.C. 1818 that requires the bank, during the first three years of its operation, to provide notice to the OCC in advance of any significant deviations or changes from its proposed operating plan.

Letter No. Topic
521 Application to charter Orange County Business Bank, N.A., Newport Beach, California. (Control Number 2001 WE 01 0008), 04/29/2002
522 Application to charter Pacific Commerce Bank, National Association, Los Angeles, California. (Control Number 2001 WE 01 0012), 04/29/2002

Final Enforcement Actions

Enclosed is a copy of the OCC's news release number 2002-42, announcing the availability of enforcement actions. Copies of the final actions are available by writing to the OCC, Public Reference Room, Mailstop 1-5, Washington, D.C. 20219. When ordering, specify the appropriate enforcement action number.

Community Reinvestment Act (CRA) Performance Evaluations

Enclosed is a list of CRA performance evaluations that became public during the period of April 14 through May 15, 2002.

INTERPRETATIONS AND ACTIONS is published monthly by the Office of the Comptroller of the Currency. Subscriptions are available at a rate of $175 per year by writing to the Comptroller of the Currency, P.O. Box 70004, Chicago, IL 60673-0004. Prepayment is requested. Suggestions, comments or questions may be sent to Jacqueline J. England, Communications Division, Mailstop 3-2, Comptroller of the Currency, Washington, DC 20219.