81270 Federal Register / Vol. 85, No. 241 / Tuesday, December 15, 2020 / Notices 

1Following the close of this notice’s 60-day 

comment period, the OCC will publish a second 

notice with a 30-day comment period. 

2 85 FR 34734 (June 5, 2020). 

3Under § 25.10(a)(2) and (3) of the final rule, 

small, intermediate, wholesale, and limited purpose 

banks may opt into the general performance 

standards. 

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. 

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: 

• Email: prainfo@occ.treas.gov. 

• 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. 

• Hand Delivery/Courier: 400 7th 

Street SW, Suite 3E–218, Washington, 

DC 20219. 

• 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-stepguidedetermining-if-commercial-orfinancialinformation-obtainedpersonconfidential. 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: 

• 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. 

• 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. 

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 

Federal Register / Vol. 85, No. 241 / Tuesday, December 15, 2020 / Notices 81271 

4 85 FR 34734, 34773. 

5Section 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. 

6Assessment areas delineated based on the 

location of a deposit-taking ATM under 

§ 25.09(b)(2) of the final rule may contain the bank’s 

main office, branches, or other non-branch deposit 

taking facilities. 

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. 

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. 

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: 

• -99—Information not available 

• -98—Not applicable (e.g., geographic 

area is not part of a facility-based 

assessment area) 

• -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 §§ 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 § 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 nonbrokered ‘‘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 § 25.09(b) of the 

final rule, a bank must delineate facilitybased 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 deposittaking facility are defined in § 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 § 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, nonoverlapping 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. 

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, deposittaking ATM, and/or non-branch deposittaking 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? 

81272 Federal Register / Vol. 85, No. 241 / Tuesday, December 15, 2020 / Notices 

TABLE 1, COLUMNS 1–10—DEPOSIT AND ASSESSMENT AREA DATA BY COUNTY, QUARTER

Column Data name Format Data definition Comments 

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 WoodlandsSugar 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 deposit-based assessment area number.Numeric indicator, created by the 

bank, that uniquely 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 facilitybased assessment area; 0 if otherwise. 

6 ....... MO_IND ............... String ............. Main office indicator .......................................................... 1 if the main office is in this facilitybased assessment area; 0 if otherwise. 

7 ....... DEPOSITATM_

IND.

String ............. Deposit-taking ATM indicator ............................................ 1 if there is a deposit-taking ATM in 

this facility-based assessment area; 

0 if otherwise. 

8 ....... NONBRANCH_

DEPFAC_IND.

String ............. Indicator for non-branch deposit-taking facility other than 

ATM.

1 if there is a non-branch deposit-taking facility that 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 retail domestic deposits received from 

the county in dollars.

County should be assigned based on 

the depositor’s physical home address; Reported in thousands of 

dollars. 

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 § 25.11 of the 

final rule, which in turn determines a 

bank’s presumptive ratings under 

§ 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 § 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 § 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 § 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 § 25.03 of the final rule, that 

meets the criteria in § 25.04(b) of the 

final rule or a CD loan, as defined in 

§ 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 § 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 

§ 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 § 25.24 

of the final rule, which provides 

information on how to determine a 

qualifying activity’s location. For 

example, § 25.24(b) of the final rule 

Federal Register / Vol. 85, No. 241 / Tuesday, December 15, 2020 / Notices 81273 

7For 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. 

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

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

Column Data name Format Data definition Comments 

11 ..... MTG_BAL ............ Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of balances of qualifying home mortgages, excluding those sold within 365 days of origination by 

the bank.

Reported in thousands of dollars. 

12 ..... AUTO_BAL .......... Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of balances of qualifying auto loans, excluding 

those sold within 365 days of origination by the bank.

Reported in thousands of dollars. 

13 ..... OTHER_RCP_BAL Numeric ......... Quarter-end, county-level sum of the 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.

Reported in thousands of dollars. 

14 ..... OTHER_CONS_

BAL.

Numeric ......... Quarter-end, county-level sum of the 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.

Reported in thousands of dollars. 

15 ..... BUS_BAL1_

LMITRACT.

Numeric ......... Quarter-end, county-level sum of the 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.

Reported in thousands of dollars. 

16 ..... BUS_BAL2_

LMITRACT.

Numeric ......... Quarter-end, county-level sum of the 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.

Reported in thousands of dollars. 

17 ..... FARM_BAL1_

LMITRACT.

Numeric ......... Quarter-end, county-level sum of the 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.

Reported in thousands of dollars. 

18 ..... FARM_BAL2_

LMITRACT.

Numeric ......... Quarter-end, county-level sum of the 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.

Reported in thousands of dollars. 

19 ..... SBUS1_BAL1_

NON_

LMITRACT.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of balances of qualifying loans up to $1 million 

to businesses with revenues of up to $1 million in nonLMI 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.

Reported in thousands of dollars. 

81274 Federal Register / Vol. 85, No. 241 / Tuesday, December 15, 2020 / Notices 

TABLE 1, COLUMNS 11–51—THE QUARTER-END QUANTIFIED DOLLAR VALUE OF QUALIFYING ACTIVITIES BY COUNTY, 

QUARTER—Continued 

Column Data name Format Data definition Comments 

20 ..... SBUS2_BAL1_

NON_

LMITRACT.

Numeric ......... Quarter-end, county-level sum of the 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.

Reported in thousands of dollars. 

21 ..... SBUS1_BAL2_

NON_

LMITRACT.

Numeric ......... Quarter-end, county-level sum of the 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.

Reported in thousands of dollars. 

22 ..... SBUS2_BAL2_

NON_

LMITRACT.

Numeric ......... Quarter-end, county-level sum of the 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.

Reported in thousands of dollars. 

23 ..... SFARM1_BAL1_

NON_

LMITRACT.

Numeric ......... Quarter-end, county-level sum of the 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.

Reported in thousands of dollars. 

24 ..... SFARM2_BAL1_

NON_

LMITRACT.

Numeric ......... Quarter-end, county-level sum of the 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.

Reported in thousands of dollars. 

25 ..... SFARM1_BAL2_

NON_

LMITRACT.

Numeric ......... Quarter-end, county-level sum of the 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.

Reported in thousands of dollars. 

26 ..... SFARM2_BAL2_

NON_

LMITRACT.

Numeric ......... Quarter-end, county-level sum of the 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.

Reported in thousands of dollars. 

27 ..... MTG_BAL_LMIBR Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of retail loan balances reported in column 11 

where the loan originations were generated by 

branches in LMI census tracts.

Reported in thousands of dollars. 

28 ..... AUTO_BAL_

LMIBR.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of retail loan balances reported in column 12 

where the loan originations were generated by 

branches in LMI census tracts.

Reported in thousands of dollars. 

29 ..... OTHER_RCP_

BAL_LMIBR.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of retail loan balances reported in column 13 

where the loan originations were generated by 

branches in LMI census tracts.

Reported in thousands of dollars. 

30 ..... OTHER_CONS_

BAL_LMIBR.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of retail loan balances reported in column 14 

where the loan originations were generated by 

branches in LMI census tracts.

Reported in thousands of dollars. 

Federal Register / Vol. 85, No. 241 / Tuesday, December 15, 2020 / Notices 81275 

TABLE 1, COLUMNS 11–51—THE QUARTER-END QUANTIFIED DOLLAR VALUE OF QUALIFYING ACTIVITIES BY COUNTY, 

QUARTER—Continued 

Column Data name Format Data definition Comments 

31 ..... BUS_BAL1_

LMITRACT_

LMIBR.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of retail loan balances reported in column 15 

where the loan originations were generated by 

branches in LMI census tracts.

Reported in thousands of dollars. 

32 ..... BUS_BAL2_

LMITRACT_

LMIBR.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of retail loan balances reported in column 16 

where the loan originations were generated by 

branches in LMI census tracts.

Reported in thousands of dollars. 

33 ..... FARM_BAL1_

LMITRACT_

LMIBR.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of retail loan balances reported in column 17 

where the loan originations were generated by 

branches in LMI census tracts.

Reported in thousands of dollars. 

34 ..... FARM_BAL2_

LMITRACT_

LMIBR.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of retail loan balances reported in column 18 

where the loan originations were generated by 

branches in LMI census tracts.

Reported in thousands of dollars. 

35 ..... SBUS1_BAL1_

NON_

LMITRACT_

LMIBR.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of retail loan balances reported in column 19 

where the loan originations were generated by 

branches in LMI census tracts.

Reported in thousands of dollars. 

36 ..... SBUS2_BAL1_

NON_

LMITRACT_

LMIBR.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of retail loan balances reported in column 20 

where the loan originations were generated by 

branches in LMI census tracts.

Reported in thousands of dollars. 

37 ..... SBUS1_BAL2_

NON_

LMITRACT_

LMIBR.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of retail loan balances reported in column 21 

where the loan originations were generated by 

branches in LMI census tracts.

Reported in thousands of dollars. 

38 ..... SBUS2_BAL2_

NON_

LMITRACT_

LMIBR.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of retail loan balances reported in column 22 

where the loan originations were generated by 

branches in LMI census tracts.

Reported in thousands of dollars. 

39 ..... SFARM1_BAL1_

NON_

LMITRACT_

LMIBR.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of retail loan balances reported in column 23 

where the loan originations were generated by 

branches in LMI census tracts.

Reported in thousands of dollars. 

40 ..... SFARM2_BAL1_

NON_

LMITRACT_

LMIBR.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of retail loan balances reported in column 24 

where the loan originations were generated by 

branches in LMI census tracts.

Reported in thousands of dollars. 

41 ..... SFARM1_BAL2_

NON_

LMITRACT_

LMIBR.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of retail loan balances reported in column 25 

where the loan originations were generated by 

branches in LMI census tracts.

Reported in thousands of dollars. 

42 ..... SFARM2_BAL2_

NON_

LMITRACT_

LMIBR.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of retail loan balances reported in column 26 

where the loan originations were generated by 

branches in LMI census tracts.

Reported in thousands of dollars. 

43 ..... CDLOAN_MINORITY_BAL.Numeric ......... Quarter-end, county-level sum of the 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.

Reported in thousands of dollars. 

44 ..... CDLOAN_

OTHER_BAL.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of balances of CD loans other than those captured in column 43.

Reported in thousands of dollars. 

45 ..... CDINVT_BAL ....... Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of balances of CD investments held on balance 

sheet, excluding mortgage-backed securities and municipal bonds.

Reported in thousands of dollars. 

46 ..... MBS_BAL ............. Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of balances of qualifying mortgage backed securities.

Reported in thousands of dollars. 

47 ..... MUNI_BAL ........... Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of balances of qualifying municipal bonds.

Reported in thousands of dollars. 

81276 Federal Register / Vol. 85, No. 241 / Tuesday, December 15, 2020 / Notices 

TABLE 1, COLUMNS 11–51—THE QUARTER-END QUANTIFIED DOLLAR VALUE OF QUALIFYING ACTIVITIES BY COUNTY, 

QUARTER—Continued 

Column Data name Format Data definition Comments 

48 ..... CDINVTFUND_

BAL.

Numeric ......... Quarter-end, county-level sum of the 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).

Reported in thousands of dollars. 

49 ..... CDSERV_BAL ..... Numeric ......... County-level sum of CD services performed during the 

quarter.

Reported in thousands of dollars. 

50 ..... DONATION_MINORITY_BAL.Numeric ......... County-level sum of qualifying monetary or in-kind donations provided to or that support minority depository institutions, women’s depository institutions, CDFIs, lowincome credit unions.Reported in thousands of dollars. 

51 ..... DONATION_

OTHER_BAL.

Numeric ......... County-level sum of qualifying monetary or in-kind donations other than those captured in column 50.Reported in thousands of dollars. 

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-level sum of the 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.

Reported in thousands of dollars. 

53 ..... AUTO_TI_BAL ..... Numeric ......... Quarter-end, county-level sum of the 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.

Reported in thousands of dollars. 

54 ..... OTHER_RCP_TI_

BAL.

Numeric ......... Quarter-end, county-level sum of the 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.

Reported in thousands of dollars. 

55 ..... OTHER_CONS_

TI_BAL.

Numeric ......... Quarter-end, county-level sum of the 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.

Reported in thousands of dollars. 

56 ..... MTG_TI_BAL_

LMIBR.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of retail loan balances reported in column 52 

that are generated by branches in LMI census tracts.

Reported in thousands of dollars. 

57 ..... AUTO_TI_BAL_

LMIBR.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of retail loan balances reported in column 53 

that are generated by branches in LMI census tracts.

Reported in thousands of dollars. 

58 ..... OTHER_RCP_TI_

BAL_LMIBR.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of retail loan balances reported in column 54 

that are generated by branches in LMI census tracts.

Reported in thousands of dollars. 

59 ..... OTHER_CONS_

TI_BAL_LMIBR.

Numeric ......... Quarter-end, county-level sum of the quantified dollar 

value of retail loan balances reported in column 55 

that are generated by branches in LMI census tracts.

Reported in thousands of dollars. 

Federal Register / Vol. 85, No. 241 / Tuesday, December 15, 2020 / Notices 81277 

8See 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 MicroLevel 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. 

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 § 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 § 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 § 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 § 25.11 

of the final rule and the retail lending 

distribution tests under § 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

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 § 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 WoodlandsSugar 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 deposit-based assessment area number.Numeric indicator, created by the 

bank, that uniquely 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 origination ....................................................... Reported in thousands 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. 

81278 Federal Register / Vol. 85, No. 241 / Tuesday, December 15, 2020 / Notices 

TABLE 2—FULL LIST OF RETAIL LOAN APPLICATIONS AND ORIGINATIONS—Continued 

Column Data name Format Data definition Comments 

12 ..... INCOME ............... Numeric ......... Income of the applicant(s) ................................................ Use income of the 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 or farm ........................................... Use code –98 if not 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 the business or farm ..................... 1 if revenue of the 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 applicant .......................................... 0 if the applicant is 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 § 25.11 of the 

final rule, which is considered in 

determining a bank’s presumptive 

ratings under § 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 assessment area number .......................... Numeric indicator, created by the 

bank, 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. 

Federal Register / Vol. 85, No. 241 / Tuesday, December 15, 2020 / Notices 81279 

TABLE 3—FULL LIST OF BRANCHES AT YEAR-END—Continued 

Column Data name Format Data definition Comments 

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 WoodlandsSugar 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 

DEPARTMENT OF THE TREASURY 

Office of Foreign Assets Control 

Notice of OFAC Sanctions Actions 

AGENCY: Office of Foreign Assets 

Control, Treasury. 

ACTION: Notice. 

SUMMARY: The U.S. Department of the 

Treasury’s Office of Foreign Assets 

Control (OFAC) is publishing the names 

of one or more persons that have been 

placed on OFAC’s Specially Designated 

Nationals and Blocked Persons List 

based on OFAC’s determination that one 

or more applicable legal criteria were 

satisfied. All property and interests in 

property subject to U.S. jurisdiction of 

these persons are blocked, and U.S. 

persons are generally prohibited from 

engaging in transactions with them. 

DATES: See Supplementary Information 

section for applicable date(s). 

FOR FURTHER INFORMATION CONTACT: 

OFAC: Andrea Gacki, Director, tel.: 

202–622–2420; Associate Director for 

Global Targeting, tel.: 202–622–2420; 

Assistant Director for Sanctions 

Compliance & Evaluation, tel.: 202–622– 

2490; Assistant Director for Licensing, 

tel.: 202–622–2480. 

SUPPLEMENTARY INFORMATION: 

Electronic Availability 

The Specially Designated Nationals 

and Blocked Persons List and additional 

information concerning OFAC sanctions 

programs are available on OFAC’s 

website (www.treas.gov/ofac). 

Notice of OFAC Actions 

On November 9, 2020, OFAC 

determined that the property and 

interests in property subject to U.S. 

jurisdiction of the following persons are 

blocked under the relevant sanctions 

authorities listed below. 

BILLING CODE 4810–AL–P