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General Information About Public Welfare Investments
OCC conducts best practice research and highlights examples of public welfare investments and community development best practices related to national bank and thrift investments. Those examples are described in the following Community Development Investments E-Zines, Community Developments newsletters, fact sheets, and Insights Reports.
Article Archives provide easy access to public welfare investment related articles that have been included in OCC publications.
Community Developments Investments E-Zines and Newsletters
E-Zines and Newsletters capture the ideas of bankers and community development practitioners investing in public welfare projects and identify common features that can be applied to similar investments in other areas. They also present investment opportunities in the OCC districts and provide links to related resources, including the OCC’s public welfare investment authority (12 CFR 24).
Financing Business Development and Expansion in Rural America (November 2013): This issue focuses on initiatives that have allowed banks to expand their financing for small business development in rural areas across America.
Investing in Wind Energy Using the Public Welfare Investment Authority (Fall 2013): This issue examines how banks can be a source of financing for facilities that generate renewable wind energy.
Investing in Solar Energy Using the Public Welfare Investment Authority (July 2011): This issue highlights the innovative investments national banks have made in solar energy-producing facilities using their public welfare investment authority.
Public Welfare Investments: A Catalyst for Community Development (Fall 2010) The articles in this issue highlight community development investing in the common types of public welfare investments; compare the public welfare investment authority provisions with CRA; and explain the public welfare investment submission process, as well as documentation requirements for public welfare investments.
Multibank CDCs: Pooling Resources to Strengthen Communities (Fall 2008) The E-zine focuses on multibank community development corporations (MBCDCs) and features guidance for establishing a MBCDC. Additionally, it details three existing MBCDCs, and describes how MBCDCs use gap financing to complement bank loans.
Community Development Venture Capital: A Catalyst for Double-Bottom Line Results (Spring 2007) focuses on community development venture capital (CDVC) including descriptions of investments and due diligence advice.
Investing in Low-Income Housing Tax Credits: A Sound Opportunity for Community Banks (Spring 2006) describes the fundamentals of low-income housing tax credits, with a particular focus on topics of interest to community bankers new to this product.
Investment Intermediaries: Helping Banks Achieve a Double Bottom Line (Summer 2005) provides a look at two community development finance providers. These investment intermediaries offer banks the ability to earn a double bottom line return - of both economic earnings for the investing bank and social gain for the communities they serve.
Growing Markets with Bank-Owned Community Development Corporations (Spring 2006) describes the fundamentals of low-income housing tax credits, with a particular focus on topics of interest to community bankers new to this product.
New Markets Tax Credits — Bridging Financing Gaps (Summer 2004) focuses on how banks are leveraging these tax credits to revitalize economically distressed communities.
Community Development Financial Institutions and CD Banks - Natural Partners for Traditional Lenders (PDF 541KB) (Summer 2002)
Fact Sheets on Public Welfare Investment and Related Investment Topics
Fact sheets summarize information about innovative products and services, investment vehicles, and government programs and initiatives related to community and economic development.
Insights Reports on Public Welfare Investment Topics
Insights Reports discuss how selected community and economic development products or initiatives operate, why they might be of interest to banks, and outlines associated risks or regulatory considerations.