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 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)