To: Public Comment File

From: Allison, Counsel, Chief Counsel’s Office

Date: March 11, 2020

Subject: Summary of March 6, 2020, Meeting with American Bankers Association (ABA)

On March 6, 2020, representatives from the Office of the Comptroller of the Currency (OCC) participated in a webinar with representatives from the ABA and ABA member banks regarding the Community Reinvestment Act (CRA) notice of proposed rulemaking (NPR)1 and the associated request for information.2 The discussion focused on several aspects of the CRA NPR, including (1) performance measurement, (2) the CRA evaluation measure, (3) the retail lending distribution tests, (4) data collection, recordkeeping, and reporting, (5) retail domestic deposits, and (6) assessment areas.

1 Community Reinvestment Act Regulations, 85 Fed. Reg. 1,204 (January 9, 2020). 2 Community Reinvestment Act Regulations; Request for Public Input, 85 Fed. Reg. 1,285 (January 10, 2020).

OCC Attendees: ABA Attendees:

Grovetta Gardineer, Senior Deputy Virginia O’Neill, ABA Comptroller for Compliance and Joseph Pigg, ABA Community Affairs Krista Shonk, ABA Bao Nguyen, Principal Deputy Chief Crystal Wells, Community Trust Bank Counsel Marisa Martinez, UMB Ralph DeLeon, Director for Banking Maureen Onda , ABA Relations Lia Hee, First Hawaiian Bank Allison Hester-Haddad, Counsel Kee Xiong, Pacific Western Bank Jon Davies, Regions Bank Joseph McDermott, Ameriprise Financial, Inc. James Robbins, Bangor Savings Bank Karl Renney, Eastern Bank Brian Stoker, Amegy Bank Tracey Mandish, Eastern Savings Bank Harvey Gantz, Capital One Financial Michael Ed, Ameriprise Financial Lawren Portwood, Community Trust Bank Courtney McDonough, TD Bank Dave Rosamond, JPMorgan Chase & Co. Laura Fraley, Traditional Bank Nell-Garwood Unger, Heritage Bank Deb Stevens, LCNB National Bank Charity Wood Community National Bank & Trust Vinitia Strong-McDonald, Associated Bank Krysti Cunningham, Security National Bank of Omaha Jillian Swain, Iowa Bankers Association Beth Alexander, Central Bancompany Katie Baurnes, First National Bank of PA Kirsti Baker, Stock Yards Bank & Trust Leona Gleason, Wintrust Financial Corp Lynne Cohen, Valley Bank Lori Belding, Bar Harbor Bank & Trust Vanessa Greene, The Cape Cod Five Cents Savings Bank Stacey Tronson, Cornerstone Bank Simone dos Santos, Bank of America Jim Baek, Deutsche Bank Amy Herlehy, Citizens Bank Brigette Helsten, Bank of America Susan Carrion, Carrollton Bank

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ABA Attendees Continued: Christopher Stelma, First Commonwealth Bank Joanne Wills, Tri-County Bank Denise Godfrey, Renasant Bank Michael Solomon, Charles Schwab Bank Jill Morrissey, FineMark National Bank & Scott Sills, Citizens National Bank Trust Carolyn Settanni, Illinois Bankers Kim Weaver-McDonald, CIT Bank Association Rakesh Kumar, Bank of America Heather Guidry, Colonial Savings Guillermo Sandoval, Tri Counties Bank Vinil Patel, TD Bank, NA Vicki Draleaus, People's Unite Bank Estelle Chaves, Rockland Trust Sarah Brons, ENBO Kashae Williams, ABA Felicia Correa, Banco Popular Michael Martinez, AENB Gail Billy, BCB Bank Aida Franquiz, Boston Private Liz Warner, Bank of Utah Alan Urie, Synchrony Evan Zuverink , First Commonwealth Melissa Drake, Wells Fargo Bank, N.A. Verenice Ledbetter, Third Coast Bank Elizabeth Ortloff, MidWestOne Bank SSB Emma Morrison, Stockman Bank Clara Mullins, City National Bank of WV Keith German, The Bancorp Lesley Palmer, Mizuho Bank (USA) Brooke Mott, Southside Bank Ian Therrien, TowneBank Gary Fillman, Bank 34 Patricia Sampson, Popular Inc Tara Bennett, Armsrong Bank Donna Craven, Central Bank Libo Faradjeva, Ameriprise Kelly Johnson, The Village Bank Karen Derksen, NBT Bank, NA Martie North, Simmons Bank Judith Winchester, Deutsche Bank Kit McCoy, Bank of Anguilla Katherine Hesch, M&T Bank Mellissa Slover-Athey, CenterState Bank Diemha Ignacio, Texas Bank and Trust Cortez Wilson, Citizens National Bank Pamela carl, MidCountry Bank Cassie Glass, Denali State Bank Stephanie Mason, Heritage Bank Gail Nunn, Heartland Financial USA Inc Dennis Lagueux, TD Bank Kim Garmon, Guaranty Bank & Trust NA Alan Wong, Capital One Darrylee Arms, Independent Bank Dawn Causey, ABA Linda Crank, Happy State Bank Laura Lepak, Marathon Bank James Wareham-Morris, Alpine Bank LaReta Lowther, WesBanco Bank Inc. Linda Boyer, Inland Bank Erin Goodall, Valliance Bank Kimberli Haywood, Ally Bank Theresa Bachman, Fulton Bank Chris Lloyd, HSBC Keenan Martin, Austin Bank Texas Jesse Wise, First Bank National Association Jason Solomon, Ameriprise Financial Gerald Grimo, Mascoma Bank Dan Matthews, Fulton Bank Danielle Vaughan, FirstBank Sam Sheets, JPMorgan Chase Adam Stein, Columbia Bank Cassandra Angello, Charles Schwab Bank Irene Guzman, IBC Bank Daryl Hall, Fifth Third Bank J.R. Buckner, First Federal Bank of Stacey Williams Tyson, Capital One Kansas City Matthew Parks Discover Bank Yolanda Davis , Horizon Bank Ming-Hsuan Elders American Express Shannon Dawson, Central Bancompany Douglas Webb CitiMortgage Cirith Anderson Sebree, Umpqua Bank

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Amy Howcroft, PNC Bank Martin Spencer, Independent Bank Cris Mattoon, Auto Club Trust, FSB Sherry Jaquez-Rossi, Heartland Financial Thomas Williams, United Bank USA, Inc. Patti Truesdell, Republic Bank & Trust DeeDee Anderson, Cashmere Valley Bank Charles Lee, MidFirst Bank Steve Breazeale, Trustmark Devika Taitt, Citi Caroline Cranz, Colonial Savings S. Renee Roberts, TDBUSA Denise Garry, First United John Ventura, QNB Bank LeDon Jones, CenterState Bank Samantha Gomez, Valley Bank Dianna Hutson, Commercial Bank & Trust Kelly Lyons, Umpqua Bank Company Karen Wilson, Bank of New Hampshire Caleb Stephens Stephens, WaFd Bank Susan Davis, Equity Bank Christelle Belleville, TD Bank NA Ursul Pfeil, PNC Gary Kausmeyer, Capital Bank Mary Kenney, BMO Vickie Tassan, Etrade Corey Carlisle, ABA Michael Wilcox, BankUnited, N.A. Lorann Paige, Magnolia State Bank Lucas Snyder, Cornerstone Bank Robert Power, Bank of America Billiana Oreshkova, TD Jamie Kot, Wells Fargo Bank, N.A. Julie Gliha, Iowa Bankers Association Mark Brncik, KeyBank, N.A. Craig Robinson, Silicon Valley Bank Danielle Peters, First Bank Financial Sheryl Rottink, QCR Holdings Centre Wendy Clark, New Hampshire Mutual Cara Quick, First Hope Bank Bancorp Sara Edenhofer, Commercial Bank & Deborah Rodgers, TriState Capital Bank Trust Company Zach Wentz, UMB Bank Eric Brooks, Wells Fargo Andrew Rowland, Wells Fargo Bank Nicole Hathaway, FirstBank Steve Herman, California Bank & Trust Karen Collier, The Bank of Princeton Jeri Hewitt, Emprise Bank Cindy Gronigan, QCRH Holdings, Inc Jo Ann Stall, BOK Financial Jocelyn Harding, American Community Mike Townsend, ABA Bank & Trust Lori-Anne Lawton, Webster Bank, N.A. Lalla McGee, BBVA Roberta London, PNC Bank Bhavani Mullapudi, Columbia Bank Kelli Arnold, KeyBank Ashley Mabry, Trustmark Bank Patricia Cox, Moody National Bank Jayme Payton, WesBanco Bank Jada Grandy-Mock, Fifth Third Bank Andrew Wallace, M&T Bank Stephanie Cameron, Citizens Bank Kevin Topolinski, MetaBank Ben Howes, Comerica Bank Marilyn Johnson, Farmers & Merchants Rosalie Yee, BNY Mellon State Bank Colleen Ebarb, First Guaranty Bank Linda Metzmaier, First Commonwealth Tanya Sluder, FirstCapital of Texas Bank Jill Hershey, KeyBank Debbie Braune, Austin Bank Texas NA Melody Ginder, Springs Valley Bank & Jake Gross, Byline Bank Trust Jan Bergeson, Ally Bank Peter Sullivan, PNC Claire Raley, BankUnited Jeff Bloch, U.S. Bank Jennifer Sventek, Wells Fargo Elias Levenson, Citi Kahena Joubert, Goldman Sachs Cindy Bailey, Bank of Eastern Oregon

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Rob Hironimus, Fulton Bank Nichole Christensen, Central Bank Kathleen Pechman, Zions Bancorporation Theresa Wiese, First Business Financial Harry Cardillo, JP Morgan Chase Services, Inc. Bernadette Mueller, Valley Bank Leslie Beatty, Relyance Bank, NA Eveyn Scrhroeder, First Security Bank & Jennifer Creger, Crescent Bank Trust Kathleen Ryan, ABA Krista Michaels, Heartland Financial USA Nicole Freeman, Bangor Savings Bank Inc Pat Phillips, Columbia Bank Michael Gullette, ABA Linda Cullinan, INTRUST Bank NA Kevin Raftery, Seattle Bank Christie Martin, Northwest Bank Angie Hadley, First Financial Bank Bruce Schultz, Gateway First Bank Faye Fousekis, Wintrust Financial Kirk Emerson, BBVA Suzanne Heidenreich, Truist Danielle Ceja, Busey Bank Kate Prochaska, Discover Financial Jeffrey Hyde, First Federal Lakewood Services Chandra Rodgers, Associated Bank Joshua Kummer, Northwest Bank Kayman Sykes, Ameriprise Financial Wendy Takahisa, Morgan Stanley Services Tessa Somers, USAA Bank Sharon Bolen, The Park National Bank Gideon Hart, KeyBank Esther Schlorholtz, Boston Private Bank Alan Nakamura, Central Pacific Bank Stephanie White, Comenity Capital Bank Christine Podesta, Alma Bank Cynthia Schaefer, Maspeth Federal Scott Farbish, Goldman Sachs Savings Kyung Cho-Miller, JP Morgan Chase Joseph Ott, BNY Mellon NA Christine Niska, Wells Fargo Sabrina Bergen, ABA Maureen Carollo, Great Plains Bank Debra Watson, People's United Bank Melissa Wasielewski, BOKF NA Sara Lundy, Chelsea Groton Bank Kelli Emery, Machias Savings Bank Scott Birrenkott, WBA Leonard Bolton, Rockland Trust David Moye, Citizens Bank Alejandro Orozco, Bankers Trust Colleen Bauer, Capital One Tim Dexter, TD Bank NA Jadira Hoptry, Fifth Third Bank Steve Westerheide, Tolleson Private Bank Zoe Kaloedas, Alma Bank Jane Ganoung, NBH Bank Sharmane Andrews, Simmons Bank Aigoul Vaissova, FirstBank Kevin Georgetti, First United Bank Melanie Calvert, Southern Bank Drew Zidzik, Zions Bancorporation Karla Gadley, Five Star Bank Pam Westland, People's Bank Sara Blackburn, First United Bank Jodi Burgess, CrossFirst Bank Elsa Monte, Pacific Western Bank Katy Lemmer, Fulton Bank Donna Balistreri, First Bank Financial Meredith Johnson, Marquette Savings Centre Bank Brad Kindt, Ameriprise Bank, FSB Salem Biad, Santander Bank Bonnie Upham, Alerus Fiancial Sonali Allen, Mercantile Bank of Shelli Trigleth, Franklin Synergy Bank Michigan Amy Taylor, Fifth Third Bank Nidia Ruiz, IBERIABANK Elizabeth Kinsey, City National Bank Daniel Ulanicki, West Suburban Bank Amy SeGraves, Comerica Bank Melissa Borino, BMO Harris Maggie Poon, American Express Daniel Moser, Peoples Bank SB

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Pamela Brown, Oakstar Bank Kelcy Johnson , Amegy Bank Julie Korman, Trustmark National Bank April Irwin, Southern First Bank Debra Zimmerly, Lakeland Bank Lynne Carlotto, MountainOne Suzanne Nester, First Financial Northwest Bank Becky Stickney, CrossFirst Bank Carmen Ramirez, Hancock Whitney Kara Manners, Sterling National Bank Marci Bechard , Franklin Synergy Bank Christina Moyer, C&N Bank Derek Skidmore, Academy Bank Jessica Jacobson, Umpqua Bank Yvonne Blumenthal, U.S. Bank Alicia Vela, Bank of America Lloyd Brown, Citi Nancy McCarthy, Raymond James Bank

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