[Federal Register Volume 85, Number 241 (Tuesday, December 15, 2020)]
[Notices]
[Pages 81270-81279]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2020-27524]



[[Page 81270]]

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DEPARTMENT OF THE TREASURY

Office of the Comptroller of the Currency


Agency Information Collection Activities: Information Collection 
Renewal; Comment Request; CRA Information Collection Survey

AGENCY: Office of the Comptroller of the Currency (OCC), Treasury.

ACTION: Notice and request for comment.

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SUMMARY: The OCC, as part of its continuing effort to reduce paperwork 
and respondent burden, invites the general public and other Federal 
agencies to comment on a the renewal of an information collection, as 
required by the Paperwork Reduction Act of 1995 (PRA). An agency may 
not conduct or sponsor, and a respondent is not required to respond to, 
an information collection unless it displays a currently valid Office 
of Management and Budget (OMB) control number. The OCC is soliciting 
comment concerning the renewal of its information collection titled, 
``CRA Information Collection Survey''.

DATES: Comments must be submitted by February 16, 2021.

ADDRESSES: Commenters are encouraged to submit comments by email, if 
possible. You may submit comments by any of the following methods:
    <bullet> Email: <a href="/cdn-cgi/l/email-protection#a6d6d4c7cfc8c0c9e6c9c5c588d2d4c3c7d588c1c9d0"><span class="__cf_email__" data-cfemail="176765767e7971785778747439636572766439707861">[email protected]</span></a>.
    <bullet> Mail: Chief Counsel's Office, Attention: Comment 
Processing, 1557-0348, Office of the Comptroller of the Currency, 400 
7th Street SW, Suite 3E-218, Washington, DC 20219.
    <bullet> Hand Delivery/Courier: 400 7th Street SW, Suite 3E-218, 
Washington, DC 20219.
    <bullet> Fax: (571) 465-4326.
    Instructions: You must include ``OCC'' as the agency name and 
``1557-0348'' in your comment. In general, the OCC will publish 
comments on www.reginfo.gov without change, including any business or 
personal information provided, such as name and address information, 
email addresses, or phone numbers. Comments received, including 
attachments and other supporting materials, are part of the public 
record and subject to public disclosure. Respondents may designate 
information as confidential or request confidential treatment. The OCC 
will treat confidential commercial information submitted to the agency 
in accordance with 12 CFR 4.16 consistent with Food Marketing Institute 
v. Argus Leader Media, 139 S.Ct. 2356, 2363 (2019) and applicable 
guidance issued by the Department of Justice at https://www.justice.gov/oip/step-step-guidedetermining-if-commercial-or-financialinformation-obtained-personconfidential. The OCC may aggregate 
the information, use the aggregated information, and make the 
aggregated information public.
    You may review comments and other related materials that pertain to 
this information collection beginning on the date of publication of the 
second notice for this collection \1\ by the following method:
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    \1\ Following the close of this notice's 60-day comment period, 
the OCC will publish a second notice with a 30-day comment period.
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    <bullet> Viewing Comments Electronically: Go to www.reginfo.gov. 
Click on the ``Information Collection Review'' tab. Underneath the 
``Currently under Review'' section heading, select ``Department of 
Treasury'' from the drop-down menu, and then click ``submit.'' This 
information collection can be located by searching with the OMB control 
number ``1557-0348'' or ``CRA Information Collection Survey.'' Upon 
finding the appropriate information collection, click on the related 
``ICR Reference Number.'' On the next screen, select ``View Supporting 
Statement and Other Documents,'' and then click on the link to any 
comment listed at the bottom of the screen.
    <bullet> For assistance in navigating www.reginfo.gov, please 
contact the Regulatory Information Service Center at (202) 482-7340.

FOR FURTHER INFORMATION CONTACT: Shaquita Merritt, Clearance Officer, 
(202) 649-5490, Chief Counsel's Office, Office of the Comptroller of 
the Currency, 400 7th Street SW, Washington, DC 20219.

SUPPLEMENTARY INFORMATION: Under the PRA (44 U.S.C. 3501 et seq.), 
Federal agencies must obtain approval from the OMB for each collection 
of information that they conduct or sponsor. ``Collection of 
information'' is defined in 44 U.S.C. 3502(3) and 5 CFR 1320.3(c) to 
include agency requests or requirements that members of the public 
submit reports, keep records, or provide information to a third party. 
Section 3506(c)(2)(A) of the PRA (44 U.S.C. 3506(c)(2)(A)) requires 
Federal agencies to provide a 60-day notice in the Federal Register 
concerning each proposed collection of information, including each 
proposed extension of an existing collection of information, before 
submitting the collection to OMB for approval. To comply with this 
requirement, the OCC is publishing notice of the renewal of the 
following collection of information set forth in this document. OMB 
provided emergency clearance for the collection on November 25, 2020.
    Title: CRA Information Collection Survey.
    OMB Control No.: 1557-0348.
    Affected Public: Businesses or other for-profit.
    Type of Review: Renewal.
    Abstract: On June 5, 2020, the OCC published a final rule in the 
Federal Register that makes comprehensive changes to the Community 
Reinvestment Act (CRA) regulatory framework designed to ensure that the 
CRA remains a relevant and powerful tool for encouraging banks to serve 
the needs of their communities, particularly low- or moderate-income 
(LMI) neighborhoods, consistent with banks' safe and sound 
operations.\2\ As the final rule describes, the agency modernized and 
strengthened the CRA regulatory framework to better achieve the 
underlying statutory purpose of encouraging banks to help serve their 
communities by making the framework more objective, transparent, 
consistent, and easy to understand. To accomplish these goals, the 
final rule strengthened the CRA regulations in four key areas by (1) 
clarifying which activities qualify for CRA credit; (2) updating where 
activities count for CRA credit; (3) creating a more consistent and 
objective method for measuring CRA performance; and (4) providing for 
more timely and transparent CRA-related data collection, recordkeeping, 
and reporting.
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    \2\ 85 FR 34734 (June 5, 2020).
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    The final rule provided a new evaluation framework (i.e., the 
general performance standards) for banks with assets of $2.5 billion or 
more that are not wholesale or limited purpose banks and do not operate 
under an approved strategic plan.\3\ However, the final rule did not 
provide the CRA evaluation measure benchmarks, retail lending 
distribution test thresholds, and community development (CD) minimums 
under the general performance standards. The OCC plans to determine 
these benchmarks, thresholds, and minimums through separate rulemaking. 
In order to calibrate the benchmarks, thresholds, and minimums, the OCC 
seeks information to assist in determining current and historical 
levels of CRA activity. Specifically, this information collection seeks 
bank-specific data and information to supplement available data. This 
information collection

[[Page 81271]]

applies only to banks with assets of $2.5 billion or more that are 
subject to the general performance standards under the CRA final rule.
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    \3\ Under Sec.  25.10(a)(2) and (3) of the final rule, small, 
intermediate, wholesale, and limited purpose banks may opt into the 
general performance standards.
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Information Collection

    The OCC seeks information to assist in determining the CRA 
evaluation measure benchmarks, retail lending distribution test 
thresholds, and CD minimums under the final rule that will correspond 
to the presumptive ratings. As discussed in the Supplementary 
Information section to the final rule, the OCC analyzed currently 
available data to estimate how banks would have performed under the 
proposed rule's framework.\4\ The final rule did not finalize the 
benchmarks, thresholds, or minimums as proposed. Instead, as explained 
in the Supplementary Information section to the final rule, the OCC 
plans to issue a separate notice of proposed rulemaking to determine 
the benchmarks, thresholds, and minimums that will correspond to the 
presumptive ratings in the final rule.
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    \4\ 85 FR 34734, 34773.
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    This information collection seeks bank-specific data and 
information to supplement the agency's analyses and currently available 
data. Specifically, it requests four types of bank data or information: 
(1) Retail domestic deposit and assessment area data; (2) qualifying 
activities data; (3) branch information; and (4) retail loan 
application and origination data. The data should contain information 
from January 1, 2017, to December 31, 2019. The final rule provides 
additional information (e.g., definitions, qualifying activities 
criteria, etc.) to inform what is requested below.
    Respondents must answer all of the questions below. If a respondent 
does not have the data available, the respondent must submit a separate 
statement that explains the reason(s) the respondent does not have the 
data requested. If a respondent has significant difficulty in 
submitting any of the data requested, the OCC will work with the 
respondent through the appropriate supervisory channels in order to 
help the respondent comply with this information collection to the 
extent possible.
    All information should be in a comma delimited file, using the same 
nomenclature as in the data name field, and dollar values should be in 
1000s without any comma separators (e.g., $5,000,000 should be reported 
as 5000, not 5,000).
    Standard Federal Information Processing Standards (FIPS) codes 
should be used for geographic data, and the following codes should be 
used, unless otherwise instructed:

<bullet> -99--Information not available
<bullet> -98--Not applicable (e.g., geographic area is not part of a 
facility-based assessment area)
<bullet> -99999--Not part of a metropolitan statistical area (MSA)

For each subsection of this information collection, we first describe 
the data elements requested and then illustrate how the data should be 
formatted in a table immediately following the text.

Retail Domestic Deposit and Assessment Area Data

    A bank's main office, branch, and deposit-taking facility locations 
and retail domestic deposit data are required to determine its 
assessment area delineations, performance under the general performance 
standards, and presumptive ratings in Sec. Sec.  25.09 through 25.13 of 
the final rule. The following data will supplement existing data and 
assist the OCC.
    1. What is the bank's total amount of retail domestic deposits 
received, by county, for each quarter-end? As defined in Sec.  25.03 of 
the final rule, retail domestic deposits include deposits, as that term 
is defined in section 3(I) of the Federal Deposit Insurance Act (12 
U.S.C. 1813(I)) that are reported on Schedule RC-E, item 1 or item 3, 
of the Call Report or that are non-brokered ``reciprocal deposits'' as 
defined in 12 U.S.C. 1831(f)(i)(2)(E) for the institution sending the 
non-brokered ``reciprocal deposits.'' However, retail domestic deposits 
do not include deposits that are: (1) Obtained, directly or indirectly, 
from or through the mediation or assistance of a ``deposit broker'' as 
that term is defined in section 29 of the Federal Deposit Insurance Act 
(12 U.S.C. 1831f(g)); (2) originated from an affiliated or non-
affiliated broker-dealer sweep transaction; (3) held in a Health 
Savings Account established in accordance with 26 U.S.C. 223; (4) held 
in a prepaid card account established in accordance with 12 CFR 1005.1 
et seq.; or (5) non-brokered reciprocal deposits as defined in 12 
U.S.C. 1831(f)(i)(2)(E) for the institution receiving a non-brokered 
``reciprocal deposit.'' The county should be assigned based on the 
accountholder's physical address, not the location of the branch that 
accepted the deposit.
    2. Assign and provide a unique numerical identification (ID) to 
each facility-based or deposit-based assessment area, as defined in the 
final rule. As discussed in Sec.  25.09(b) of the final rule, a bank 
must delineate facility-based assessment areas encompassing the 
location where the bank maintains its main office, branches, or non-
branch deposit-taking facilities, other than deposit-taking automated 
teller machines (ATMs),\5\ as well as the surrounding locations in 
which the bank has originated or purchased a substantial portion of its 
loans. A bank also may, but is not required to, delineate facility-
based assessment areas based on its deposit-taking ATMs.\6\ Branch, 
ATM, and non-branch deposit-taking facility are defined in Sec.  25.03 
of the final rule. Facility-based assessment areas will be comprised of 
one of the following: (1) A whole MSA; (2) the whole nonmetropolitan 
area of a state; (3) one or more whole, contiguous metropolitan 
divisions (MD) in a single MSA; or (4) one or more whole, contiguous 
counties or county equivalents in a single MSA or nonmetropolitan area. 
Under Sec.  25.09(c) of the final rule, a bank that receives 50 percent 
or more of its retail domestic deposits from geographic areas outside 
of its facility-based assessment areas must delineate separate, non-
overlapping assessment areas where it receives five percent or more of 
its retail domestic deposits. Deposit-based assessment areas will be 
comprised of one of the following: (1) A whole state; (2) one whole 
MSA; (3) the whole nonmetropolitan area of a state; (4) one or more 
whole, contiguous MDs in a single MSA; (5) the remaining geographic 
area of a state, MSA, nonmetropolitan area, or MD other than where it 
has a facility-based assessment area; or (6) one or more whole, 
contiguous counties or county equivalents in a single MSA or 
nonmetropolitan area.
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    \5\ Section 25.09(b)(1) of the final rule allows these 
assessment areas to include one or more of these facilities, as well 
as deposit-taking ATMs.
    \6\ Assessment areas delineated based on the location of a 
deposit-taking ATM under Sec.  25.09(b)(2) of the final rule may 
contain the bank's main office, branches, or other non-branch 
deposit taking facilities.
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    3. For the data above, provide county, MD/MSA, and state FIPS 
codes.
    4. For the data above, report whether there is a main office, 
branch, deposit-taking ATM, and/or non-branch deposit-taking facility 
other than an ATM, as detailed in Table 1, Columns 5-8.
    5. Are there burdens associated with collecting or reporting the 
data described in this section of this information collection?

[[Page 81272]]



                   Table 1, Columns 1-10--Deposit and Assessment Area Data by County, Quarter
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     Column             Data name                  Format              Data definition            Comments
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1..............  COUNTY................  String...................  County FIPS..........  County FIPS code (3-
                                                                                            digit), e.g., report
                                                                                            201 if Harris
                                                                                            County, TX. Use
                                                                                            leading zeros if the
                                                                                            FIPS code is less
                                                                                            than 3-digit number.
2..............  MD_MSA................  String...................  MD/MSA...............  MD/MSA code (5-
                                                                                            digit), e.g., report
                                                                                            26420 if Houston-The
                                                                                            Woodlands-Sugar
                                                                                            Land, TX.
3..............  STATE.................  String...................  State FIPS...........  State FIPS code (2-
                                                                                            digit), e.g., report
                                                                                            48 if Harris County,
                                                                                            TX. Use leading
                                                                                            zeros if the State
                                                                                            FIPS code is less
                                                                                            than a 2-digit
                                                                                            number.
4..............  AA_ID.................  String...................  Facility-based or      Numeric indicator,
                                                                     deposit-based          created by the bank,
                                                                     assessment area        that uniquely
                                                                     number.                identifies each
                                                                                            facility-based or
                                                                                            deposit-based
                                                                                            assessment area. Use
                                                                                            leading zeros if the
                                                                                            assessment area is
                                                                                            less than a 3-digit
                                                                                            number. Use code -98
                                                                                            if a county is not
                                                                                            in a facility-based
                                                                                            assessment area.
5..............  BRANCH_IND............  String...................  Branch indicator.....  1 if there is a
                                                                                            branch in this
                                                                                            facility-based
                                                                                            assessment area; 0
                                                                                            if otherwise.
6..............  MO_IND................  String...................  Main office indicator  1 if the main office
                                                                                            is in this facility-
                                                                                            based assessment
                                                                                            area; 0 if
                                                                                            otherwise.
7..............  DEPOSITATM_IND........  String...................  Deposit-taking ATM     1 if there is a
                                                                     indicator.             deposit-taking ATM
                                                                                            in this facility-
                                                                                            based assessment
                                                                                            area; 0 if
                                                                                            otherwise.
8..............  NONBRANCH_DEPFAC_IND..  String...................  Indicator for non-     1 if there is a non-
                                                                     branch deposit-        branch deposit-
                                                                     taking facility        taking facility that
                                                                     other than ATM.        is not an ATM; 0 if
                                                                                            otherwise.
9..............  QUARTERYEAR...........  Alpha-numeric............  Quarter-end/year.....  Specify date of data
                                                                                            snapshot, e.g., as
                                                                                            reported on Q4 call
                                                                                            report.
                                                                                           Q1YYYY if Jan 1-March
                                                                                            30 of YYYY;
                                                                                           Q2YYYY if April 1-
                                                                                            June 30 of YYYY;
                                                                                           Q3YYYY if July 1-Sept
                                                                                            30 of YYYY; or
                                                                                           Q4YYYY if Oct 1-Dec
                                                                                            31 of YYYY.
10.............  DEPOSITS..............  Numeric..................  Quarter-end total      County should be
                                                                     retail domestic        assigned based on
                                                                     deposits received      the depositor's
                                                                     from the county in     physical home
                                                                     dollars.               address; Reported in
                                                                                            thousands of
                                                                                            dollars.
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Total Qualifying Activities

    As discussed in the final rule and this information collection, the 
dollar value of a bank's qualifying activities is required to determine 
the CRA evaluation measure under Sec.  25.11 of the final rule, which 
in turn determines a bank's presumptive ratings under Sec.  25.13 of 
the final rule. The following data will supplement existing data and 
assist the OCC.
    6. Calculate and report the sum, at the county level, of the 
quantified dollar value of all quarter-end balances for each type of 
qualifying loan or CD investment held on the balance sheet. Calculate 
and report the sum of the quantified dollar value, at the county level, 
for other CD investments (i.e., CD investment funds that are quantified 
under Sec.  25.07(d)(3) of the final rule and monetary and in-kind 
donations) and CD services made or provided in each quarter. For each 
activity, determine the county pursuant to Sec.  25.24 of the final 
rule. Note that the quantified dollar value does not include 
multipliers. The OCC will apply the multipliers, where feasible and as 
applicable. Exclude any retail loans sold within 365 days of 
origination by the bank. Qualifying activity means an activity that 
meets the criteria in Sec.  25.04 of the final rule. Qualifying 
activities include qualifying loans, CD investments, and CD services. 
Qualifying loan means a retail loan, as defined in Sec.  25.03 of the 
final rule, that meets the criteria in Sec.  25.04(b) of the final rule 
or a CD loan, as defined in Sec.  25.03 of the final rule. Section 
25.03 of the final rule defines a retail loan as a home mortgage loan, 
small loan to a business, small loan to a farm, or consumer loan; each 
of these loans is defined in Sec.  25.03 of the final rule. In 
particular, ``consumer loan'' means a loan reported on the Call Report, 
Schedule RC-C, Loans and Lease Financing Receivables, Part 1, Item 6, 
Loans to individuals for household, family, and other personal 
expenditures other than overdraft plans, that is an automobile loan, 
other revolving credit plan, or other consumer loan; credit cards are 
not included. CD investments and CD services are also defined in Sec.  
25.03 of the final rule. Section 25.07 of the final rule provides 
information on how to calculate the quantified dollar value of 
qualifying activities. The quantified dollar value of a partially 
qualifying activity includes only the portion of the activity that is 
qualifying. Qualifying activities should be attributed to locations 
based on Sec.  25.24 of the final rule, which provides information on 
how to determine a qualifying activity's location. For example, Sec.  
25.24(b) of the final rule

[[Page 81273]]

requires banks to allocate credit for CD activities in two ways: (1) To 
an assessment area within a broader area served by an activity if the 
bank can document the services or funding it provided was allocated to 
a particular project that is within or serves the assessment area; or 
if that cannot be documented (2) across all of the areas served by the 
activity, according to the share of the bank's deposits in those areas, 
treating the bank's deposits in the region served by the activity as if 
they were all of the bank's deposits.
    7. Calculate and report the sum, at the county level, of the 
quantified dollar value of all quarter-end balances for each type of 
retail loan generated by branches in LMI tracts.\7\
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    \7\ For purposes of this information collection, a retail loan 
is ``generated by [a] branch'' if that loan is originated by 
employees of the bank or reasonably assigned to that branch 
according a bank's internal procedures.
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    8. For Table 1, Columns 11-14 and 27-30, please include the 
mortgage and consumer loans only if the borrower income status is 
available or the loan is located in Indian country or other tribal and 
native lands.
    9. Are there burdens associated with collecting or reporting the 
data described in this section of this information collection?

   Table 1, Columns 11-51--The Quarter-End Quantified Dollar Value of Qualifying Activities by County, Quarter
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     Column             Data name                  Format              Data definition            Comments
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11.............  MTG_BAL...............  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying home
                                                                     mortgages, excluding
                                                                     those sold within
                                                                     365 days of
                                                                     origination by the
                                                                     bank.
12.............  AUTO_BAL..............  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying auto
                                                                     loans, excluding
                                                                     those sold within
                                                                     365 days of
                                                                     origination by the
                                                                     bank.
13.............  OTHER_RCP_BAL.........  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying other
                                                                     revolving credit
                                                                     plans, excluding
                                                                     other revolving
                                                                     credit plans sold
                                                                     within 365 days of
                                                                     origination by the
                                                                     bank and any
                                                                     overdraft plans.
14.............  OTHER_CONS_BAL........  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying other
                                                                     consumer loans,
                                                                     excluding other
                                                                     consumer loans sold
                                                                     within 365 days of
                                                                     origination by the
                                                                     bank and any credit
                                                                     cards or overdrafts.
15.............  BUS_BAL1_LMITRACT.....  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying loans up
                                                                     to $1 million to
                                                                     businesses in LMI
                                                                     census tracts,
                                                                     Indian country, or
                                                                     other tribal and
                                                                     native lands that
                                                                     are not counted as
                                                                     CD loans and not
                                                                     sold within 365 days
                                                                     of origination by
                                                                     the bank.
16.............  BUS_BAL2_LMITRACT.....  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying loans
                                                                     above $1 million and
                                                                     up to $1.6 million
                                                                     to businesses in LMI
                                                                     census tracts,
                                                                     Indian country, or
                                                                     other tribal and
                                                                     native lands that
                                                                     are not counted as
                                                                     CD loans and not
                                                                     sold within 365 days
                                                                     of origination by
                                                                     the bank.
17.............  FARM_BAL1_LMITRACT....  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying loans up
                                                                     to $500,000 to farms
                                                                     in LMI census
                                                                     tracts, Indian
                                                                     country, or other
                                                                     tribal and native
                                                                     lands that are not
                                                                     counted as CD loans
                                                                     and not sold within
                                                                     365 days of
                                                                     origination by the
                                                                     bank.
18.............  FARM_BAL2_LMITRACT....  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying loans
                                                                     above $500,000 and
                                                                     up to $1.6 million
                                                                     to farms in LMI
                                                                     census tracts,
                                                                     Indian country, or
                                                                     other tribal and
                                                                     native lands that
                                                                     are not counted as
                                                                     CD loans and not
                                                                     sold within 365 days
                                                                     of origination by
                                                                     the bank.
19.............  SBUS1_BAL1_NON_LMITRAC  Numeric..................  Quarter-end, county-   Reported in thousands
                  T.                                                 level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying loans up
                                                                     to $1 million to
                                                                     businesses with
                                                                     revenues of up to $1
                                                                     million in non-LMI
                                                                     census tracts and
                                                                     not in Indian
                                                                     country and not in
                                                                     other tribal and
                                                                     native lands that
                                                                     are not counted as
                                                                     CD loans and not
                                                                     sold within 365 days
                                                                     of origination by
                                                                     the bank.

[[Page 81274]]

 
20.............  SBUS2_BAL1_NON_LMITRAC  Numeric..................  Quarter-end, county-   Reported in thousands
                  T.                                                 level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying loans up
                                                                     to $1 million to
                                                                     businesses with
                                                                     revenues above $1
                                                                     million and up to
                                                                     $1.6 million in non-
                                                                     LMI census tracts
                                                                     and not in Indian
                                                                     country and not in
                                                                     other tribal and
                                                                     native lands that
                                                                     are not counted as
                                                                     CD loans and not
                                                                     sold within 365 days
                                                                     of origination by
                                                                     the bank.
21.............  SBUS1_BAL2_NON_LMITRAC  Numeric..................  Quarter-end, county-   Reported in thousands
                  T.                                                 level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying loans
                                                                     above $1 million and
                                                                     up to $1.6 million
                                                                     to businesses with
                                                                     revenues of up to $1
                                                                     million in non-LMI
                                                                     census tracts and
                                                                     not in Indian
                                                                     country and not in
                                                                     other tribal and
                                                                     native lands that
                                                                     are not counted as
                                                                     CD loans and not
                                                                     sold within 365 days
                                                                     of origination by
                                                                     the bank.
22.............  SBUS2_BAL2_NON_LMITRAC  Numeric..................  Quarter-end, county-   Reported in thousands
                  T.                                                 level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying loans of
                                                                     above $1 million and
                                                                     up to $1.6 million
                                                                     to businesses with
                                                                     revenues above $1
                                                                     million and up $1.6
                                                                     million in non-LMI
                                                                     census tracts and
                                                                     not in Indian
                                                                     country and not in
                                                                     other tribal and
                                                                     native lands that
                                                                     are not counted as
                                                                     CD loans and not
                                                                     sold within 365 days
                                                                     of origination by
                                                                     the bank.
23.............  SFARM1_BAL1_NON_LMITRA  Numeric..................  Quarter-end, county-   Reported in thousands
                  CT.                                                level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying loans up
                                                                     to $500,000 to farms
                                                                     with revenues up to
                                                                     $1 million in non-
                                                                     LMI census tracts
                                                                     and not in Indian
                                                                     country and not in
                                                                     other tribal and
                                                                     native lands that
                                                                     are not counted as
                                                                     CD loans and not
                                                                     sold within 365 days
                                                                     of origination by
                                                                     the bank.
24.............  SFARM2_BAL1_NON_LMITRA  Numeric..................  Quarter-end, county-   Reported in thousands
                  CT.                                                level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying loans up
                                                                     to $500,000 to farms
                                                                     with revenues above
                                                                     $1 million and up to
                                                                     $1.6 million in non-
                                                                     LMI census tracts
                                                                     and not in Indian
                                                                     country and not in
                                                                     other tribal and
                                                                     native lands that
                                                                     are not counted as
                                                                     CD loans and not
                                                                     sold within 365 days
                                                                     of origination by
                                                                     the bank.
25.............  SFARM1_BAL2_NON_LMITRA  Numeric..................  Quarter-end, county-   Reported in thousands
                  CT.                                                level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying loans
                                                                     above $500,000 and
                                                                     up to $1.6 million
                                                                     to farms with
                                                                     revenues up to $1
                                                                     million in non-LMI
                                                                     census tracts and
                                                                     not in Indian
                                                                     country and not in
                                                                     other tribal and
                                                                     native lands that
                                                                     are not counted as
                                                                     CD loans and not
                                                                     sold within 365 days
                                                                     of origination by
                                                                     the bank.
26.............  SFARM2_BAL2_NON_LMITRA  Numeric..................  Quarter-end, county-   Reported in thousands
                  CT.                                                level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying loans
                                                                     above $500,000 and
                                                                     up to $1.6 million
                                                                     to farms with
                                                                     revenues above $1
                                                                     million and up to
                                                                     $1.6 million in non-
                                                                     LMI census tracts
                                                                     and not in Indian
                                                                     country and not in
                                                                     other tribal and
                                                                     native lands that
                                                                     are not counted as
                                                                     CD loans and not
                                                                     sold within 365 days
                                                                     of origination by
                                                                     the bank.
27.............  MTG_BAL_LMIBR.........  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of retail loan
                                                                     balances reported in
                                                                     column 11 where the
                                                                     loan originations
                                                                     were generated by
                                                                     branches in LMI
                                                                     census tracts.
28.............  AUTO_BAL_LMIBR........  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of retail loan
                                                                     balances reported in
                                                                     column 12 where the
                                                                     loan originations
                                                                     were generated by
                                                                     branches in LMI
                                                                     census tracts.
29.............  OTHER_RCP_BAL_LMIBR...  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of retail loan
                                                                     balances reported in
                                                                     column 13 where the
                                                                     loan originations
                                                                     were generated by
                                                                     branches in LMI
                                                                     census tracts.
30.............  OTHER_CONS_BAL_LMIBR..  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of retail loan
                                                                     balances reported in
                                                                     column 14 where the
                                                                     loan originations
                                                                     were generated by
                                                                     branches in LMI
                                                                     census tracts.

[[Page 81275]]

 
31.............  BUS_BAL1_LMITRACT_LMIB  Numeric..................  Quarter-end, county-   Reported in thousands
                  R.                                                 level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of retail loan
                                                                     balances reported in
                                                                     column 15 where the
                                                                     loan originations
                                                                     were generated by
                                                                     branches in LMI
                                                                     census tracts.
32.............  BUS_BAL2_LMITRACT_LMIB  Numeric..................  Quarter-end, county-   Reported in thousands
                  R.                                                 level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of retail loan
                                                                     balances reported in
                                                                     column 16 where the
                                                                     loan originations
                                                                     were generated by
                                                                     branches in LMI
                                                                     census tracts.
33.............  FARM_BAL1_LMITRACT_LMI  Numeric..................  Quarter-end, county-   Reported in thousands
                  BR.                                                level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of retail loan
                                                                     balances reported in
                                                                     column 17 where the
                                                                     loan originations
                                                                     were generated by
                                                                     branches in LMI
                                                                     census tracts.
34.............  FARM_BAL2_LMITRACT_LMI  Numeric..................  Quarter-end, county-   Reported in thousands
                  BR.                                                level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of retail loan
                                                                     balances reported in
                                                                     column 18 where the
                                                                     loan originations
                                                                     were generated by
                                                                     branches in LMI
                                                                     census tracts.
35.............  SBUS1_BAL1_NON_LMITRAC  Numeric..................  Quarter-end, county-   Reported in thousands
                  T_LMIBR.                                           level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of retail loan
                                                                     balances reported in
                                                                     column 19 where the
                                                                     loan originations
                                                                     were generated by
                                                                     branches in LMI
                                                                     census tracts.
36.............  SBUS2_BAL1_NON_LMITRAC  Numeric..................  Quarter-end, county-   Reported in thousands
                  T_LMIBR.                                           level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of retail loan
                                                                     balances reported in
                                                                     column 20 where the
                                                                     loan originations
                                                                     were generated by
                                                                     branches in LMI
                                                                     census tracts.
37.............  SBUS1_BAL2_NON_LMITRAC  Numeric..................  Quarter-end, county-   Reported in thousands
                  T_LMIBR.                                           level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of retail loan
                                                                     balances reported in
                                                                     column 21 where the
                                                                     loan originations
                                                                     were generated by
                                                                     branches in LMI
                                                                     census tracts.
38.............  SBUS2_BAL2_NON_LMITRAC  Numeric..................  Quarter-end, county-   Reported in thousands
                  T_LMIBR.                                           level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of retail loan
                                                                     balances reported in
                                                                     column 22 where the
                                                                     loan originations
                                                                     were generated by
                                                                     branches in LMI
                                                                     census tracts.
39.............  SFARM1_BAL1_NON_LMITRA  Numeric..................  Quarter-end, county-   Reported in thousands
                  CT_LMIBR.                                          level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of retail loan
                                                                     balances reported in
                                                                     column 23 where the
                                                                     loan originations
                                                                     were generated by
                                                                     branches in LMI
                                                                     census tracts.
40.............  SFARM2_BAL1_NON_LMITRA  Numeric..................  Quarter-end, county-   Reported in thousands
                  CT_LMIBR.                                          level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of retail loan
                                                                     balances reported in
                                                                     column 24 where the
                                                                     loan originations
                                                                     were generated by
                                                                     branches in LMI
                                                                     census tracts.
41.............  SFARM1_BAL2_NON_LMITRA  Numeric..................  Quarter-end, county-   Reported in thousands
                  CT_LMIBR.                                          level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of retail loan
                                                                     balances reported in
                                                                     column 25 where the
                                                                     loan originations
                                                                     were generated by
                                                                     branches in LMI
                                                                     census tracts.
42.............  SFARM2_BAL2_NON_LMITRA  Numeric..................  Quarter-end, county-   Reported in thousands
                  CT_LMIBR.                                          level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of retail loan
                                                                     balances reported in
                                                                     column 26 where the
                                                                     loan originations
                                                                     were generated by
                                                                     branches in LMI
                                                                     census tracts.
43.............  CDLOAN_MINORITY_BAL...  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     CD loans provided to
                                                                     or that support
                                                                     minority depository
                                                                     institutions,
                                                                     women's depository
                                                                     institutions, CDFIs,
                                                                     low-income credit
                                                                     unions and other
                                                                     affordable housing-
                                                                     related CD loans.
44.............  CDLOAN_OTHER_BAL......  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     CD loans other than
                                                                     those captured in
                                                                     column 43.
45.............  CDINVT_BAL............  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     CD investments held
                                                                     on balance sheet,
                                                                     excluding mortgage-
                                                                     backed securities
                                                                     and municipal bonds.
46.............  MBS_BAL...............  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying mortgage
                                                                     backed securities.
47.............  MUNI_BAL..............  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying municipal
                                                                     bonds.

[[Page 81276]]

 
48.............  CDINVTFUND_BAL........  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of community
                                                                     development
                                                                     investment funds
                                                                     that are syndicated
                                                                     or sponsored by the
                                                                     bank for the purpose
                                                                     of obtaining
                                                                     financing from other
                                                                     investors and
                                                                     support one or more
                                                                     projects that are
                                                                     eligible for low-
                                                                     income housing tax
                                                                     credits or new
                                                                     markets tax credits
                                                                     (exclude the portion
                                                                     of the syndication
                                                                     on the bank's
                                                                     balance sheet and
                                                                     report in the
                                                                     appropriate column
                                                                     above).
49.............  CDSERV_BAL............  Numeric..................  County-level sum of    Reported in thousands
                                                                     CD services            of dollars.
                                                                     performed during the
                                                                     quarter.
50.............  DONATION_MINORITY_BAL.  Numeric..................  County-level sum of    Reported in thousands
                                                                     qualifying monetary    of dollars.
                                                                     or in-kind donations
                                                                     provided to or that
                                                                     support minority
                                                                     depository
                                                                     institutions,
                                                                     women's depository
                                                                     institutions, CDFIs,
                                                                     low-income credit
                                                                     unions.
51.............  DONATION_OTHER_BAL....  Numeric..................  County-level sum of    Reported in thousands
                                                                     qualifying monetary    of dollars.
                                                                     or in-kind donations
                                                                     other than those
                                                                     captured in column
                                                                     50.
----------------------------------------------------------------------------------------------------------------
Note: For the qualifying activities, report the county-level quantified dollar value of the balances for each
  type of activity below. Only calculate the dollar value of qualifying retail loans not originated and sold
  within 365 days.

    10. For Table 1, Columns 52 -59, please include the mortgage and 
consumer loans only if the borrower income status is not available and 
the loan is not located in Indian country or other tribal and native 
lands. For these loans, use the tract income level as a proxy to 
determine whether the retail loan is qualifying.
    11. Calculate and report the sum, at the county level, of the 
quantified dollar value of all quarter-end balances for these mortgage 
and consumer loans that are generated by branches in LMI tracts.

   Table 1--Columns 52-59--The Quarter-End Quantified Dollar Value of Qualifying Activities by County, Quarter
----------------------------------------------------------------------------------------------------------------
     Column             Data name                  Format              Data definition            Comments
----------------------------------------------------------------------------------------------------------------
52.............  MTG_TI_BAL............  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying home
                                                                     mortgages, where
                                                                     mortgages are
                                                                     assumed to qualify
                                                                     based on tract
                                                                     income, excluding
                                                                     those sold within
                                                                     365 days of
                                                                     origination by the
                                                                     bank.
53.............  AUTO_TI_BAL...........  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying auto
                                                                     loans, where auto
                                                                     loans are assumed to
                                                                     qualify based on
                                                                     tract income,
                                                                     excluding those sold
                                                                     within 365 days of
                                                                     origination by the
                                                                     bank.
54.............  OTHER_RCP_TI_BAL......  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying other
                                                                     revolving credit
                                                                     plans, where other
                                                                     revolving credit
                                                                     plans are assumed to
                                                                     qualify based on
                                                                     tract income,
                                                                     excluding other
                                                                     revolving credit
                                                                     plans sold within
                                                                     365 days of
                                                                     origination by the
                                                                     bank and any
                                                                     overdraft plans.
55.............  OTHER_CONS_TI_BAL.....  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of balances of
                                                                     qualifying other
                                                                     consumer loans,
                                                                     where other consumer
                                                                     loans are assumed to
                                                                     qualify based on
                                                                     tract income,
                                                                     excluding other
                                                                     consumer loans sold
                                                                     within 365 days of
                                                                     origination by bank
                                                                     and any credit cards
                                                                     or overdrafts.
56.............  MTG_TI_BAL_LMIBR......  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of retail loan
                                                                     balances reported in
                                                                     column 52 that are
                                                                     generated by
                                                                     branches in LMI
                                                                     census tracts.
57.............  AUTO_TI_BAL_LMIBR.....  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of retail loan
                                                                     balances reported in
                                                                     column 53 that are
                                                                     generated by
                                                                     branches in LMI
                                                                     census tracts.
58.............  OTHER_RCP_TI_BAL_LMIBR  Numeric..................  Quarter-end, county-   Reported in thousands
                                                                     level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of retail loan
                                                                     balances reported in
                                                                     column 54 that are
                                                                     generated by
                                                                     branches in LMI
                                                                     census tracts.
59.............  OTHER_CONS_TI_BAL_LMIB  Numeric..................  Quarter-end, county-   Reported in thousands
                  R.                                                 level sum of the       of dollars.
                                                                     quantified dollar
                                                                     value of retail loan
                                                                     balances reported in
                                                                     column 55 that are
                                                                     generated by
                                                                     branches in LMI
                                                                     census tracts.
----------------------------------------------------------------------------------------------------------------


[[Page 81277]]

Applications and Loan Originations for Each Retail Lending Product Line

    As discussed in the final rule, the quantified dollar value is 
required to determine the CRA evaluation measure under Sec.  25.11 of 
the final rule. Additionally, the loan volume of a bank's qualifying 
activities is required for the retail lending distribution tests under 
Sec.  25.12 of the final rule. Both the CRA evaluation measure and the 
retail lending distribution tests will in turn help determine a bank's 
presumptive ratings under Sec.  25.13 of the final rule. Obtaining 
information on retail loan applications and originations will, in the 
near term, help inform the OCC about banks' credit supply decisions 
across geographies, supplement existing data, and assist the OCC in 
assessing the CRA evaluation measure under Sec.  25.11 of the final 
rule and the retail lending distribution tests under Sec.  25.12 of the 
final rule. Over time, it will assist the OCC in further developing its 
thinking on how to refine and improve the CRA framework.\8\
---------------------------------------------------------------------------

    \8\ See various studies using application information to 
understand credit supply such as: Antoniades, A. (2016. ``). 
Liquidity Risk and the Credit Crunch of 2007-2008: Evidence from 
Micro-Level Data on Mortgage Loan Applications.''. Journal of 
Financial and Quantitative Analysis, 51(6):), 1795-1822; and Mian, 
Atif, and Amir Sufi. 2009. ``The Consequences of Mortgage Credit 
Expansion: Evidence from the U.S. Mortgage Default Crisis.'','' The 
Quarterly Journal of Economics, Volume 124(, Issue 4):, November 
2009, Pages 1449-1496; Puri, Manju, Jorg Rocholl, and Sascha 
Steffen. (2011. ``) Global retail lending in the aftermath of the US 
financial crisis: Distinguishing between supply and demand 
effects.'', Journal of Financial Economics 100(3):) 556-578.
---------------------------------------------------------------------------

    12. Report all retail loans applications.
    13. For each retail loan origination, provide the unique loan 
identification number.
    14. For each retail loan application, provide the following 
geographic information for the location of the loan application at the 
time of submission: County, MD/MSA, state, census tract, and the 
facility-based or deposit-based assessment area number (using the same 
set of unique assessment area identification numbers as in Table 1). 
The location of a loan application should be determined in a manner 
consistent with Sec.  25.24 of the final rule. For example, the 
location of an application for a home mortgage loan would be determined 
by the address of the property to which the loan relates.
    15. For each retail loan application, provide the loan type, and if 
the loan was originated, provide balance at origination, origination 
date, and sell date.
    16. For each mortgage and consumer loan application, provide the 
income of the applicant(s). For each loan application for a home 
mortgage or consumer loan, indicate the LMI status of the applicant. 
For each loan application from a business or farm, provide the revenue 
of the business or farm at the time of submission; additionally, for 
these loan applications, provide an indicator of the business or farm's 
revenue category.
    17. For each retail loan origination, indicate whether the loan was 
generated by a branch located in an LMI census tract.
    18. Are there burdens associated with collecting or reporting the 
data described in this section of this information collection?

                         Table 2--Full List of Retail Loan Applications and Originations
----------------------------------------------------------------------------------------------------------------
     Column             Data name                  Format              Data definition            Comments
----------------------------------------------------------------------------------------------------------------
1..............  LOAN_ID...............  String...................  Loan ID..............  Provide Universal
                                                                                            Loan Identifier
                                                                                            (ULI) if the loan
                                                                                            was originated, and
                                                                                            where available.
2..............  COUNTY................  String...................  County FIPS..........  County FIPS code (3-
                                                                                            digit), e.g., report
                                                                                            201 if Harris
                                                                                            County, TX.
3..............  MD_MSA................  String...................  MD/MSA...............  MD/MSA code (5-
                                                                                            digit), e.g., report
                                                                                            26420 if Houston-The
                                                                                            Woodlands-Sugar
                                                                                            Land, TX.
4..............  STATE.................  String...................  State FIPS...........  State FIPS code (2-
                                                                                            digit), e.g., report
                                                                                            48 if Harris County,
                                                                                            TX.
5..............  TRACT.................  String...................  Census tract.........  Tract FIPS code (6-
                                                                                            digit), e.g., report
                                                                                            223100 if Census
                                                                                            Tract 2231 in Harris
                                                                                            County, TX.
6..............  AA_ID.................  String...................  Facility-based or      Numeric indicator,
                                                                     deposit-based          created by the bank,
                                                                     assessment area        that uniquely
                                                                     number.                identifies each
                                                                                            facility-based or
                                                                                            deposit-based
                                                                                            assessment area. Use
                                                                                            code -98 if a loan
                                                                                            is not within a
                                                                                            facility-based or
                                                                                            deposit-based
                                                                                            assessment area.
7..............  LOAN_TYPE.............  String...................  Loan type............  1: Mortgage; 2: Other
                                                                                            revolving credit
                                                                                            plan; 3: Auto; 4:
                                                                                            Other consumer loan;
                                                                                            5: Small loan to a
                                                                                            business; 6: Small
                                                                                            loan to a farm.
8..............  ACTION_TYPE...........  String...................  Loan decision........  0: Loan not
                                                                                            originated; 1: Loan
                                                                                            originated.
9..............  ORIG_BAL..............  Numeric..................  Balance at             Reported in thousands
                                                                     origination.           of dollars. Use code
                                                                                            -98 if the loan was
                                                                                            not originated.
10.............  APPL_DATE.............  String...................  Application Date.....  MMDDYYYY
11.............  ORIG_DATE.............  String...................  Origination date.....  MMDDYYYY. Use code -
                                                                                            98 if the loan was
                                                                                            not originated.
12.............  SELL_DATE.............  String...................  Sell date............  MMDDYYYY. Use code -
                                                                                            98 if the loan was
                                                                                            not originated or if
                                                                                            the loan was not
                                                                                            sold.

[[Page 81278]]

 
12.............  INCOME................  Numeric..................  Income of the          Use income of the
                                                                     applicant(s).          applicant(s) that
                                                                                            would be used to
                                                                                            determine LMI
                                                                                            status. Reported in
                                                                                            thousands of
                                                                                            dollars. Use code -
                                                                                            98 if the bank does
                                                                                            not have the
                                                                                            applicant's income,
                                                                                            or not applicable.
13.............  LMIBR_IND.............  String...................  LMI branch indicator.  1 if the loan
                                                                                            origination or
                                                                                            application was
                                                                                            generated by a
                                                                                            branch that is
                                                                                            located in an LMI
                                                                                            census tract; 0
                                                                                            otherwise.
14.............  REVENUE...............  Numeric..................  Revenue of business    Use code -98 if not
                                                                     or farm.               applicable (i.e.,
                                                                                            not a business or
                                                                                            farm). Use code -98
                                                                                            if the bank does not
                                                                                            have the revenue of
                                                                                            the business or
                                                                                            farm. Reported in
                                                                                            thousands of
                                                                                            dollars.
15.............  REVENUE_IND...........  String...................  Revenue indicators of  1 if revenue of the
                                                                     the business or farm.  business or farm is
                                                                                            less than $500,000.
                                                                                           2 if the revenue of
                                                                                            the business or farm
                                                                                            is between $500,000
                                                                                            and $1,000,000.
                                                                                           3 if the revenue of
                                                                                            the business or farm
                                                                                            is greater than
                                                                                            $1,000,000 and less
                                                                                            than or equal to
                                                                                            $1,600,000.
                                                                                           4 if the revenue of
                                                                                            the business or farm
                                                                                            is over $1,600,000.
                                                                                            Use code -99 if
                                                                                            unknown. Use code -
                                                                                            98 if not applicable
                                                                                            (i.e., not a
                                                                                            business or farm).
16.............  LMI_IND...............  String...................  LMI indicator for the  0 if the applicant is
                                                                     applicant.             not LMI.
                                                                                           1 if the applicant is
                                                                                            LMI.
                                                                                           Use code -99 if
                                                                                            unknown. Use code -
                                                                                            98 if not applicable
                                                                                            (i.e., not an
                                                                                            application for a
                                                                                            home mortgage or
                                                                                            consumer loan).
----------------------------------------------------------------------------------------------------------------

Branch Locations

    As discussed in the final rule, the percentage of a bank's branches 
located in or that serve LMI census tracts, distressed areas, 
underserved areas, and Indian country or other tribal and native lands 
is required to determine the CRA evaluation measure under Sec.  25.11 
of the final rule, which is considered in determining a bank's 
presumptive ratings under Sec.  25.13 of the final rule.
    19. Report the unique number of the branch, as used in the Summary 
of Deposits file, for the full list of branches on the last day of each 
year.
    20. Using the same set of unique assessment area IDs as in Table 1, 
identify the facility-based assessment area for each branch.
    21. Report the address, as well as the census tract, county, MSA/
MD, and state FIPS codes, for each branch.
    22. Report the year that the branch is associated with, as 
mentioned in Question 19. Note that the same branch will have an entry 
for each year for which it is open on the last day of the year.
    23. Are there burdens associated with collecting or reporting the 
data described in this section of this information collection?

                                   Table 3--Full List of Branches at Year-End
----------------------------------------------------------------------------------------------------------------
     Column             Data name                  Format              Data definition            Comments
----------------------------------------------------------------------------------------------------------------
1..............  UNINUMBR..............  String...................  Unique number........  Unique number used in
                                                                                            the Summary of
                                                                                            Deposits file.
2..............  AA_ID.................  String...................  Facility-based         Numeric indicator,
                                                                     assessment area        created by the bank,
                                                                     number.                that uniquely
                                                                                            identifies each
                                                                                            facility-based
                                                                                            assessment area. Use
                                                                                            code -98 if the loan
                                                                                            is not within a
                                                                                            facility-based
                                                                                            assessment area.
3..............  BR_STREET.............  String...................  Street...............  Street should be
                                                                                            based on branch's
                                                                                            physical location,
                                                                                            e.g., report 400 7th
                                                                                            St. SW if 400 7th
                                                                                            St. SW, Washington,
                                                                                            DC 20219.

[[Page 81279]]

 
4..............  BR_CITY...............  String...................  City.................  City should be based
                                                                                            on branch's physical
                                                                                            location, e.g.,
                                                                                            report Washington if
                                                                                            400 7th St. SW,
                                                                                            Washington, DC
                                                                                            20219.
5..............  BR_STATE..............  String...................  State abbreviation...  State abbreviation (2-
                                                                                            letter) should be
                                                                                            based on branch's
                                                                                            physical location,
                                                                                            e.g., report DC if
                                                                                            400 7th St. SW,
                                                                                            Washington, DC
                                                                                            20219.
6..............  BR_ZIP................  String...................  Zip code.............  Zip code (5-digit)
                                                                                            should be based on
                                                                                            branch's physical
                                                                                            location, e.g.,
                                                                                            report 20219 if 400
                                                                                            7th St. SW,
                                                                                            Washington, DC
                                                                                            20219.
7..............  TRACT.................  String...................  Census tract.........  Tract FIPS code (6-
                                                                                            digit), e.g., report
                                                                                            223100 if Census
                                                                                            Tract 2231 in Harris
                                                                                            County, TX.
8..............  COUNTY................  String...................  County...............  County FIPS code (3-
                                                                                            digit), e.g., report
                                                                                            201 if Harris
                                                                                            County, TX.
9..............  MD_MSA................  String...................  MD/MSA...............  MD/MSA code (5-
                                                                                            digit), e.g., report
                                                                                            26420 if Houston-The
                                                                                            Woodlands-Sugar
                                                                                            Land, TX.
10.............  STATE.................  String...................  State................  State FIPS code (2-
                                                                                            digit), e.g., report
                                                                                            48 if Harris County,
                                                                                            TX.
11.............  YEAR..................  String...................  Year.................  20XX.
----------------------------------------------------------------------------------------------------------------

Burden Estimates

    Estimated Number of Respondents: 105.
     Estimated Annual Burden: 146,000 hours.
    Comments submitted in response to this notice will be summarized 
and included in the request for OMB approval. All comments will become 
a matter of public record. Comments are invited on:
    (a) Whether the collection of information is necessary for the 
proper performance of the functions of the OCC, including whether the 
information has practical utility; (b) The accuracy of the OCC's 
estimate of the information collection burden; (c) Ways to enhance the 
quality, utility, and clarity of the information to be collected; (d) 
Ways to minimize the burden of the collection on respondents, including 
through the use of automated collection techniques or other forms of 
information technology; and
    (e) Estimates of capital or start-up costs and costs of operation, 
maintenance, and purchase of services to provide information.

Bao Nguyen,
Principal Deputy Chief Counsel, Office of the Comptroller of the 
Currency.
[FR Doc. 2020-27524 Filed 12-14-20; 8:45 am]
BILLING CODE 4810-33-P


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