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Interpretations and Actions: March 2016

Vol. 29, No. 3


Supervisory Condition Letters

Letter No. Topic
2016-01 (PDF) Patriot Bank, National Association, Stamford, Connecticut – Termination of Operating Agreement  12/29/2016
2016-02 (PDF) First National Bank of Southern California, Riverside, California – Response to Significant Deviation Request  02/16/2016

CRA Decision Letters

Letter No. Topic
172 Purchase and assumption application filed by HSBC Bank USA, National Association, McLean, Virginia, related to the proposed assumption of approximately $769 thousand in residual refund anticipation loan (RAL) deposit liabilities from an affiliate, HSBC Trust Company (Delaware), National Association, Wilmington, Delaware  (Control Number: 2015-NE-Combination-141557), 02/11/2016
173 Application to merge Inter-State Federal Savings and Loan Association of Kansas City, Kansas City, Kansas, with and into First Federal Bank of Kansas City, Kansas City, Missouri, and Notice of bylaw amendment by First Federal Bank of Kansas City  (Control Numbers: 2015-WE-Combination-144203 & 2015-WE-AmendBylawCharter-144199), 02/26/2016

Conditional Approvals

Letter No. Topic
1147 Change in Bank Control Notice filed by Sergey Khotimskiy to acquire control of Home Federal Bank of Hollywood, Hallandale Beach, Florida  (Control Number: 2015 HQ-CBCA-145391), 02/01/2016
1148 Substantial Asset Change, Capital Distribution, and Voluntary Dissolution Application filed by SOUTHBank, A Federal Savings Bank, Huntsville, Alabama  (Control Numbers: 2015-HQ-5.53, 2015-HQ-Capital&Div-146573 & 2013-HQ-Termination-144128), 02/26/2016

Community Reinvestment Act (CRA) Performance Evaluations

 See OCC News Release 2016-22 announcing all CRA performance evaluations that became public from February 1, 2016 through February 29, 2016. A search of all public CRA evaluations can be done at

Final Enforcement Actions

See OCC News Release 2016-30 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.