Illinois Administrative Code › Title 38 - FINANCIAL INSTITUTIONS › Part 345 - BANK COMMUNITY REINVESTMENT › Subpart C - RECORDS, REPORTING, AND DISCLOSURE REQUIREMENTS; EXAMINATIONS › Appendix B - ILCRA Notice

Current through Register Vol. 48, No. 28, July 12, 2024
a) Notice for main offices and, if an interstate bank, one
				  branch office in each state.
Community Reinvestment Act Notice
Under the Illinois Community Reinvestment Act (ILCRA), the
				  Secretary of the Department of Financial and Professional Regulation
				  (Secretary) evaluates our record of helping to meet the credit needs of this
				  community consistent with safe and sound operations. The Secretary also takes
				  this record into account when deciding on certain applications submitted by
				  us.
Your involvement is encouraged.
You are entitled to certain information about our operations
				  and our performance under the ILCRA, including, for example, information about
				  our branches, such as their location and services provided at them; the public
				  section of our most recent ILCRA Performance Evaluation, prepared by the
				  Secretary; and comments received from the public relating to our performance in
				  helping to meet community credit needs, as well as our responses to those
				  comments. You may review this information today.
At least 30 days before the beginning of each quarter, the
				  Secretary publishes a list of the banks that are scheduled for ILCRA
				  examination in that quarter. This list is available from the Secretary at 320
				  West Washing Street, 3rd Floor Springfield, IL 62786
				  and 555 West Monroe Street, Suite 500 Chicago, IL 60661. You may send written
				  comments about our performance in helping to meet community credit needs to
				  (name and address of official at bank) and Secretary. You may also submit
				  comments electronically through the Department's Web site at
https://idfpr.illinois.gov/admin/cra.html
.
				  Your letter, together with any response by us, will be considered by the
				  Secretary in evaluating our ILCRA performance and may be made public.
You may ask to look at any comments received by the
				  Secretary. You may also request from the Secretary an announcement of our
				  applications covered by the ILCRA filed with the Secretary.
We are an affiliate of (name of holding company), a bank
				  holding company. You may request from the (title of responsible official),
				  Federal Reserve Bank of _______ (address) an announcement of applications
				  covered by the ILCRA filed by bank holding companies.
b) Notice for branch offices.
Illinois Community Reinvestment Act
				  Notice
Under the Illinois Community Reinvestment Act (ILCRA), the
				  Secretary evaluates our record of helping to meet the credit needs of this
				  community consistent with safe and sound operations. The Secretary also takes
				  this record into account when deciding on certain applications submitted by
				  us.
Your involvement is encouraged.
You are entitled to certain information about our operations
				  and our performance under the ILCRA. You may review today the public section of
				  our most recent ILCRA evaluation, prepared by the Secretary, and a list of
				  services provided at this branch. You may also have access to the following
				  additional information, which we will make available to you at this branch
				  within five calendar days after you make a request to us:
1) a map showing the assessment area containing
				  this branch, which is the area in which the Secretary evaluates our ILCRA
				  performance in this community;
2) information about our branches in this
				  assessment area;
3) a list of services we provide at those
				  locations;
4) data on our lending performance in this
				  assessment area; and
5) copies of all written comments received by us
				  that specifically relate to our ILCRA performance in this assessment area, and
				  any responses we have made to those comments. If we are operating under an
				  approved strategic plan, you may also have access to a copy of the plan.
(If you would like to review information about our ILCRA
				  performance in other communities served by us, the public file for our entire
				  bank is available at (name of office located in state), located at
				  (address).)
At least 30 days before the beginning of each quarter, the
				  Secretary publishes a nationwide list of the banks that are scheduled for ILCRA
				  examination in that quarter. This list is available from the Secretary
				  (address). You may send written comments about our performance in helping to
				  meet community credit needs to (name and address of official at bank) and the
				  Secretary. You may also submit comments electronically through the Department's
				  Web site at [web address]. Your letter, together with any response by us, will
				  be considered by the Secretary in evaluating our ILCRA performance and may be
				  made public.
You may ask to look at any comments received by the
				  Secretary. You may also request from the Secretary an announcement of our
				  applications covered by the ILCRA filed with the Secretary. We are an affiliate
				  of (name of holding company), a bank holding company. You may request from the
				  (title of responsible official), Federal Reserve Bank of _______ (address) an
				  announcement of applications covered by the ILCRA filed by bank holding
				  companies.
This is the percentage of your gross monthly income that
					 will be allocated to your mortgage expenses and other debt that you pay on a
					 monthly basis.