The Community Reinvestment Act (CRA) states that banks have an affirmative obligation to meet the credit and capital needs of low- and moderate-income communities where they do business. Federal regulators are responsible for ensuring that banks are meeting that obligation through CRA exams, which scrutinize a bank’s lending and community development performance.
As an organization that works for the benefit of low- and moderate-income communities, we have a unique – and vital – role in ensuring that lenders serve those communities. Regulators that examine banks are required to consider public comments about a bank’s performance in their overall assessment. During these comment periods, community-based organizations can submit comment letters that detail a bank’s responsiveness to community needs, which the regulators must look at and can have a big impact on what the bank must do to invest in your community.
Below please find the list of financial institutions who will undergo CRA Exams in the First Quarter of 2013. Please email firstname.lastname@example.org if you would like assistance in the submission of your comments.
|Banks with Assets Over $5 Billion Undergoing CRA Exams – Quarter 1, 2013|
|Bank Name||Regulator||Service Locations||Regional Organizer to Contact|
|Washington Federal||OCC||Arizona, Idaho, New Mexico, Nevada, Oregon, Texas, Utah, Washington||AZ, NV, OR, UT, ID, NM, TX, WA (Torey Hollingsworth)|
|Mercantil Commercebank, National Association||OCC||Florida, New York, Texas||NY (Caitie Rountree), FL (Ramon Bullard), TX (Torey Hollingsworth)|
|Capital Bank, National Association||OCC||Florida, North Carolina, South Carolina, Tennessee, Virginia||FL, SC, VA, NC, TN (Ramon Bullard)|
|RBS Citizens, National Association||OCC||Connecticut, Delaware, Illinois, Kentucky (loan processing) Massachusetts, Michigan, New Hampshire, New York, Ohio, Pennsylvania (cyber office), Rhode Island, Vermont||CT, MA, NH, RI, DE, NY, VT, PA (Caitie Rountree) MI, IL, OH, KY (Makia Burns)|
|Citibank, National Association||OCC||California, Connecticut, Washington DC, Delaware, Florida, Illinois, Massachusetts, Maryland, New Jersey, Nevada, New York, Ohio, Pennsylvania, Puerto Rico, South Dakota, Texas, Virginia, Washington||CA, TX, WA, NV, SD (Torey Hollingsworth), IL, OH (Makia Burns), FL, PR, DC, VA, Guam (Ramon Bullard), DE, MA, NJ, CT, MD, NY, PA (Caitie Rountree)|
|Banco Popular de Puerto Rico||Federal Reserve||Puerto Rico, Virgin Islands||PR, Virgin Islands (Ramon Bullard)|
|Arvest Bank||Federal Reserve||Arkansas, Kansas, Missouri, Oklahoma||AR, KS, MO, OK (Torey Hollingsworth)|
|East West Bank||Federal Reserve||California, Georgia, Massachusetts, New York, Texas, Washington||CA, TX, WA (Torey Hollingsworth) GA (Ramon Bullard) MA, NY (Caitie Rountree)|
|Emigrant Bank||FDIC||New York||NY (Caitie Rountree)|
|Northwest Savings Bank||FDIC||Maryland, New York, Ohio, Pennsylvania||MD, NY, PA (Caitie Rountree) OH (Makia Burns)|
|First Hawaiian Bank||FDIC||Hawaii, Guam, Northern Mariana Islands||HI (Torey Hollingsworth) Guam, Northern Mariana Islands (Ramon Bullard)|
|Glacier Bank||FDIC||Colorado, Idaho, Montana, Utah, Washington, Wyoming||CO, ID, MT, UT, WA, WY (Torey Hollingsworth)|
|American Express Centurion Bank||FDIC||Utah||UT (Torey Hollingsworth)|
|CIT Bank||FDIC||Utah||UT (Torey Hollingsworth)|