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Resources for bankers

Interpretations and Actions: July 2016

Vol. 29, No. 7


Supervisory Conditions

Letter No. Topic
2016-04 (PDF) Colorado National Bank, Palisade, Colorado – Termination of Operating Agreement 05/31/2016
2016-05 (PDF) First Niagara Bank, National Association, Buffalo, New York – DFAST Extension Approval Letter 06/30/2016
2016-06 (PDF) Colorado Federal Savings Bank, Greenwood Village, Colorado – Conditional Approval of Strategic Plan 07/08/2016
2016-07 (PDF) FirstMerit Bank, N.A., Akron, Ohio – DFAST Extension Approval Letter 07/19/2016

Conditional Approvals

Letter No. Topic
1155 (PDF) Applications to charter Stifel-Sterne Interim, National Association, Birmingham, Alabama, to merge The Trust Company of Sterne Agee, Inc., Birmingham, Alabama, with and into Stifel-Sterne Interim, National Association, and immediately thereafter merge Stifel-Sterne Interim, National Association with and into Stifel Trust Company, National Association, St. Louis, Missouri (Control Numbers 2016-NE-Combination-146879 and 2016-NE-Combination-146882), 06/13/2016
1156 (PDF) Applications for a change in asset composition and merger with a non-bank affiliate filed by Cambridge Appleton Trust, National Association, Boston, Massachusetts (Control Numbers 2016-NE-5.53-147478 and 2016-NE-215a3-147480), 06/27/2016

Community Reinvestment Act (CRA) Performance Evaluations

See OCC News Release 2016-78 announcing all CRA performance evaluations that became public from June 1, 2016 through June 30, 2016. A search of all public CRA evaluations can be done at

Final Enforcement Actions

See OCC News Release 2016-83 announcing the availability of enforcement actions. All final enforcement actions are searchable 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, Disclosure Services, 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.