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Interpretations and Actions: January 2018

Vol. 31, No. 1

Conditional Approvals

Letter No. Topic
1189 (PDF) Applications to convert American Express Centurion Bank, Salt Lake City, Utah, to a national bank with the title American Express National Bank, subsequently to merger American Express Bank, FSB, Salt Lake City, Utah, with and into the newly converted national bank, and related applications (Control Numbers: 2017-NE-Conversion-299542, 2017-NE-Combination-299557, 2017-NE-Capital&Div-299598, 2017-NE-MgtInterlocks-299555, 2017-NE-DirectorWaiver-299591 &299594, and 2017-NE-Subs&Equities-299548 & 299542), 12/04/2017

Community Reinvestment Act (CRA) Performance Evaluations

See OCC News Release 2018-2 announcing all CRA performance evaluations that became public from December 1, 2017 through December 31, 2017. A search of all public CRA evaluations can be done at

Final Enforcement Actions

See OCC News Release 2018-5 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. 

If you are unable retrieve the CRA evaluations or enforcement actions online, you can submit a request to obtain copies 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.