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Resources for bankers

Interpretations and Actions: April 2017

Vol. 30, No. 4

Supervisory Condition Letters

Letter No. Topic
2017-01 (PDF) South County Bank, N.A., Rancho Santa Margarita, California – Operating Agreement  05/19/2016
2017-02 (PDF) Home Federal Bank of Hollywood, Hallandale Beach, Florida – Operating Agreement  11/28/2016
2017-06 (PDF) CenTrust Bank, N.A., Northbrook, Illinois – Operating Agreement  04/10/2017

CRA Decisions

Letter No. Topic
181 (PDF) Application by UMB Bank, NA, Kansas City, Missouri, to acquire certain assets and assume certain deposits of The Bancorp Bank, Wilmington, Delaware (Control Number:  2016-WE-Business Combination-292770), 03/17/2017

Conditional Approvals

Letter No. Topic
1169 (PDF) Application by Citibank, N.A., Sioux Falls, South Dakota, to issue subordinated debt qualifying as Tier 2 capital (Control Number:  2016-LB-Capital&Div-293643), 12/16/2016

Community Reinvestment Act (CRA) Performance Evaluations

See OCC News Release 2017-39 announcing all CRA performance evaluations that became public from March 1, 2017 through March 31, 2017. A search of all public CRA evaluations can be done at

Final Enforcement Actions

See OCC News Release 2017-44 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.