Code of Massachusetts Regulations › 209 CMR - DIVISION OF BANKS AND LOAN AGENCIES › Title 209 CMR 46.00 - Community Reinvestment › Section 46.62 - CRA Notice

Current through Register 1525, July 5, 2024
(1)
Notice
			 for Main Offices
.
*OMMUNITY REINVESTMENT ACT NOTICE
Under the Community Reinvestment Act (CRA), the Commissioner
				of Banks (Commissioner) evaluates our record of helping to meet the credit
				needs of this community consistent with safe and sound operations. The
				Commissioner 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 CRA, including, for example, information about
				our branches, such as their location and services provided at them; the public
				section of our most recent CRA Performance Evaluation, prepared by the
				Commissioner; 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
				Commissioner publishes a list of the institutions that are scheduled for CRA
				examination by the Commissioner in that quarter. This list is available from
				the Commissioner of Banks at (current address of the Division of Banks). You
				may send written comments about our performance in helping to meet community
				credit needs to (name and address of official at institution) and to the
				Commissioner of Banks at (current address of the Division of Banks). Your
				letter, together with any response by us, will be considered by the
				Commissioner in evaluating our CRA performance and may be made public.
You may ask to look at any comments received by the
				Commissioner. You may also request from the Commissioner an announcement of our
				applications covered by the CRA filed with the Commissioner. We are an
				affiliate of (name of holding company), a bank holding company. You may request
				from (title of responsible official), Federal Reserve Bank of _______(address)
				an announcement of applications covered by the CRA filed by bank holding
				companies.
(2)
Notice for Branch Offices
.
*OMMUNITY REINVESTMENT ACT NOTICE
Under the Community Reinvestment Act (CRA), the Commissioner
				of Banks (Commissioner) evaluates our record of helping to meet the credit
				needs of this community consistent with safe and sound operations. The
				Commissioner 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 CRA. You may review today the public section of
				our most recent CRA evaluation, prepared by Commissioner, 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 Commissioner evaluates
			 our CRA 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 CRA 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 CRA
				performance in other communities served by us, the public file for our entire
				institution is available at (name of office located in state), located at
				(address).]
At least 30 days before the beginning of each quarter, the
				Commissioner publishes a list of the institutions that are scheduled for CRA
				examination by the Commissioner in that quarter. This list is available from
				the Commissioner of Banks at (current address of the Division of Banks). You
				may send written comments about our performance in helping to meet community
				credit needs to (name and address of official at institution) and to the
				Commissioner of Banks at (current address of the Division of Banks). Your
				letter, together with any response by us, will be considered by the
				Commissioner in evaluating our CRA performance and may be made public.
You may ask to look at any comments received by the
				Commissioner. You may also request from the Commissioner an announcement of our
				applications covered by the CRA filed with the Commissioner. We are an
				affiliate of (name of holding company), a bank holding company. You may request
				from (title of responsible official), Federal Reserve Bank of _______(address)
				an announcement of applications covered by the CRA filed by bank holding
				companies.