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Interpretations and Actions

Vol. 28, No. 6

Interpretive Letters

Letter No. Topic
1152 (PDF) Letter exempts banks from having to calculate risk-based capital requirements in accordance with the OCC’s advanced approaches risk-based capital framework.  03/19/2015
1153 (PDF) Letter concludes that a weight loss competition with a cash prize for the most weight lost may be offered to national bank or federal savings association employees, and is not a lottery that would be prohibited by 12 U.S.C. 25a or 12 U.S.C. 1463(e).  05/11/2015

Corporate Decisions

Letter No. Topic
2015-06 (PDF) Applications by St. James Federal Savings and Loan Association, St. James, Minnesota, to convert to a federally chartered stock savings association; sell all of its stock to Wells Financial Corp.; and merge into Wells Federal Bank, Wells, Minnesota.  (Control Numbers:  R3-2015-0047 and 0048), 05/14/2015

Final Enforcement Actions

See OCC News Release 2015-88 announcing the availability of enforcement actions. All final enforcement actions are searchable at

Community Reinvestment Act (CRA) Performance Evaluations

See OCC News Release 2015-81 announcing all CRA performance evaluations that became public from May 1, 2015, through May 31, 2015. A search of all public CRA evaluations can be done at

PLEASE NOTE: Interpretive Letters and No-Objection Letters reflect the views of the Office of the Comptroller of the Currency’s (OCC) legal staff. Corporate Decisions, CRA Decisions and Conditional Approvals are from the office of Licensing Activities. The Community Development Investment Letters are from the office of Community Affairs. The Supervisory Conditions Letters are from the Special Supervision Division. The list of CRA Ratings is from the Communications Division.

You can obtain copies of CRA evaluations or enforcement actions by writing to the Freedom of Information Act Officer, Communications Division, OCC, 400 7th Street, SW, Suite 3E-218, Washington, DC 20219. You may also submit a request electronically at the OCC’s online FOIA site. Please provide all identifying information when requesting documents. You may also contact the bank directly for copies of the CRA evaluations.

The OCC publishes INTERPRETATIONS AND ACTIONS monthly. Send suggestions, comments or questions to Jacqueline England, Disclosure Services, Communications Division, OCC, 400 7th Street, SW, Suite 3E-218, Washington, DC 20219.