On 6/17/2020, the Office of the Comptroller of the Currency (OCC) issued Bulletin 2020-61 to inform national banks about how the recently issued “host state loan-to-deposit ratios” are used to determine compliance with laws relating to Interstate Banking and branching efficiency. Specifically, the OCC’s CRA regulation (12 CFR 25, subpart E") includes specific tests for determining whether an interstate bank is lending appropriately in host states where it has branches. The OCC’s new bulletin explains how national banks can use this data.

The full OCC bulletin can be found here.

Adam Witmer

Adam Witmer is a speaker, author, and founder of the Compliance Cohort. Adam has taught hundreds of seminars and training sessions to thousands of bankers throughout the United States and teaches on all areas of regulatory compliance. Adam has written five e-books that he never published, hit a grizzly bear while driving in a National Park, and is an award winning photographer and musician (though he no longer takes photos nor plays any instruments). In his spare time, Adam can be found kayaking on the lake, doing taekwondo with his kids, working on his (project) house, or spending time with his family.

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