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Interpretations and Actions: October 2016

Vol. 29, No. 10


CRA Decisions

Letter No. Topic
176 (PDF) Application to merge FirstMerit Bank, N.A., Akron, Ohio, with and into The Huntington National Bank, Columbus, Ohio, under the charter and title of the latter and the related application by Huntington to establish one de novo branch in Illinois and one de novo branch in Wisconsin (Control Numbers: 2016-CE-146880, 147348 & 147331), 08/11/2016
177 (PDF) Application for the merger of First Niagara Bank, National Association, Buffalo, New York, into KeyBank National Association, Cleveland, (Control Number: 2015-CE-Combination-146240), 09/22/2016

Corporate Decisions

Letter No. Topic
2016-01 (PDF) Application to increase permanent capital filed on behalf of Gateway Bank, F.S.B., Oakland, California (Control Number: 2016-HQ-Capital&Div-216694), 09/15/2016

Conditional Approvals

Letter No. Topic
1161 (PDF) Application for voluntary supervisory conversion under 12 CFR 192 submitted on behalf of Illinois-Service Federal Savings & Loan Association, Chicago, Illinois (Control Number: 2015-HQ-StockMutual-145778), 04/25/2016
1162 (PDF) Plan of voluntary liquidation and related liquidating capital distribution filed on behalf of Home Savings Bank, Jefferson City, Missouri (Control Number: 2016-HQ-Termination-292356), 09/08/2016

Community Reinvestment Act (CRA) Performance Evaluations

See OCC News Release 2016-127 announcing all CRA performance evaluations that became public from September 1, 2016 through September 30, 2016. A search of all public CRA evaluations can be done at

Final Enforcement Actions

See OCC News Release 2016-137 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.