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OCC's Community Development Bank Resources
Community Development Financial Institutions and CD Banks - Natural Partners for Traditional Lenders - OCC's Summer 2002 Community Developments Newsletter This edition of the OCC's Community Developments newsletter provides information on innovative and effective practices in the CD Bank and CDFI arenas. Articles by practitioners and experts give the reader an opportunity to see firsthand how CD Banks and CDFIs can reach underserved markets and individuals with financial services.
CDFI Certification for National Banks and Federal Savings Associations (PDF) Community Developments Fact Sheet
Bank Owned Community Development Corporations (PDF) Community Developments Fact Sheet
Multi-Bank Partnerships for Community Development Financing (PDF) Community Developments Fact Sheet
Guidance to Prospective Community Development Bank Organizing Groups (PDF) (2001) - This OCC memo provides a general discussion of the chartering process for community development national banks, including the licensing and operational issues facing bank organizers. It also outlines the criteria the OCC uses in granting a CD bank charter, explains the assistance OCC provides to organizers of CD banks, and states the factors the OCC considers to be critical to the success of any de novo CD bank. Please see our current list of nationally chartered CD banks (PDF).
Guide To Tribal Ownership of a National Bank (PDF) (2002) - This guide was developed to assist federally recognized Indian tribes in exploring entry into the national banking system by establishing or acquiring control of a national bank. The publication provides a high level overview of the process of chartering a national bank and may also be useful to individuals and groups considering the formation of a Community Development Bank.
OCC Policy Statement on Minority-Owned Banks (PDF) (2008) outlines the OCC's policies and initiatives that facilitate the ability for minority banks to prosper and meet the needs of their communities.
OCC Minority- and Women-owned National Bank (PDF) (December 31, 2011) - This list is an annual compilation of national banks that are owned and controlled by minorities and/or women.
Reaching Minority Markets: Community Bank Strategies (PDF) (November 2006) - This edition of Insights examines strategies being used by community banks to target specific minority markets in the United States, the impact of these strategies on bringing unbanked consumers into the banking system, and some risks and regulatory considerations associated with each strategy.
Minority-Owned Banks - Making a Difference in Their Communities (Winter 2006-2007) - This Newsletter focuses on minority-owned institutions, the strategies they employ to serve their markets, and how majority-owned institutions can partner with minority-owned banks and receive consideration under the Community Reinvestment Act.
Community Development Corporations, Community Development Projects, and Other Public Welfare Investments Regulation (12 CFR 24) governs national bank investments designed to promote the public welfare. National banks may make investments in CD banks and CDFIs under the provisions outlined in the regulation.
OCC Community Affairs Article Archives