{"id":291728,"date":"2026-08-24T14:43:14","date_gmt":"2026-08-24T18:43:14","guid":{"rendered":"https:\/\/ncrc.org\/?p=291728"},"modified":"2026-08-24T14:57:30","modified_gmt":"2026-08-24T18:57:30","slug":"ncrc-rise-economy-and-374-organizations-submit-letter-to-occ-fdic-calling-for-cra-comment-period-extension","status":"publish","type":"post","link":"https:\/\/ncrc.org\/ncrc-rise-economy-and-374-organizations-submit-letter-to-occ-fdic-calling-for-cra-comment-period-extension\/","title":{"rendered":"NCRC, Rise Economy and 374 Organizations Submit Letter to OCC, FDIC Calling for CRA Comment Period Extension"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"291728\" class=\"elementor elementor-291728\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-672220a e-con e-atomic-element e-flexbox-base e-9c31f2e \" data-id=\"672220a\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" 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class=\"elementor-button-text\">Download<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19b36eee elementor-widget elementor-widget-text-editor\" data-id=\"19b36eee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Travis Hill, Chair<br \/>Federal Deposit Insurance Corporation (FDIC) 550 17th Street NW<br \/>Washington,\u00a0DC\u00a020429<br \/>Via\u00a0email:\u00a0<a href=\"mailto:comments@FDIC.gov\"><u>comments@FDIC.gov<\/u><\/a><\/p><p>Jonathan\u00a0V.\u00a0Gould,\u00a0Comptroller<br \/>Office of the Comptroller of the Currency (OCC) 400 7th St. SW<br \/>Washington,\u00a0DC\u00a020219<br \/>Via:\u00a0<a href=\"https:\/\/regulations.gov\/\" target=\"_blank\" rel=\"noopener\"><em><u>https:\/\/regulations.gov\/<\/u><\/em><\/a><\/p><p>Re:\u00a0<em>Community\u00a0groups\u00a0request\u00a0an\u00a0extension\u00a0of\u00a0the\u00a0CRA\u00a0comment\u00a0period<br \/><\/em>RIN\u00a03064-AG31,\u00a0Docket\u00a0ID\u00a0OCC-2026-0694<\/p><p>Dear\u00a0Chair\u00a0Hill\u00a0and\u00a0Comptroller\u00a0Gould,<\/p><p>The National Community Reinvestment Coalition, Rise Economy, and 374 community groups and national partners formally request the OCC and FDIC extend the sixty (60) day comment period relating to the recently proposed changes to the Community Reinvestment Act (CRA) rules. We believe that the significant changes suggested by the proposal necessitate a comment period of at least one hundred and twenty (120) days.<\/p><p>The 60-day comment period is not sufficient for effective examination of and comment on the over 350 pages of material and over 60 questions posed in this complex proposed rule. It proposes to reclassify over 1200 banks and we are concerned that many of the numerous proposed changes, if finalized in substantially the same form, would lead to considerably less reinvestment in the low- and moderate-income (LMI) communities meant to be served by the CRA. More specifically, we are concerned that proposed changes will lead to significant outcomes, including: less support for affordable housing via the Low Income Housing Tax Credit (LIHTC) and other community development activity, less transparency of small business lending, fewer community development loans and investments that support small businesses, fewer branches in LMI and rural communities, less access to affordable bank accounts and higher fees for unbanked and underbanked consumers, less capacity for community based organizations to play their critical role in supporting communities and the financial service ecosystem, and less scrutiny of redlining and discrimination by banks.<\/p><p>The NPRM does not appear to clearly quantify or address the costs to, and impacts on, communities of the various changes proposed. This lack of analysis of community impacts makes it difficult for the public to comment meaningfully on the proposal and puts the burden on communities to identify and quantify the proposal\u2019s impacts. More time is needed to conduct research and analysis to understand what the agencies\u2019 proposed changes to the Community Reinvestment Act will actually mean for communities, including Native American and Tribal communities.<\/p><p>We\u00a0note\u00a0that\u00a0in\u00a02020,\u00a0when\u00a0the\u00a0FDIC\u00a0and\u00a0the\u00a0OCC\u00a0similarly\u00a0proposed\u00a0a\u00a0new CRA rule, the agencies agreed to extend the comment period.<a href=\"#_ftn1\" name=\"_ftnref1\"><sup>1<\/sup><\/a><\/p><p>For these reasons, the undersigned community organizations urge the FDIC and the OCC to extend the comment period on this proposal to one-hundred twenty (120) days in total.<\/p><p>Thank you for your consideration of this request. Should you have any questions, please feel free to contact Kevin Stein at Rise Economy, at\u00a0<a href=\"mailto:kstein@rise-economy.org\"><u>kstein@rise-economy.org<\/u><\/a>\u00a0or\u00a0Kevin\u00a0Hill\u00a0at\u00a0National\u00a0Community\u00a0Reinvestment Coalition at\u00a0<a href=\"mailto:khill@ncrc.org\"><u>khill@ncrc.org<\/u><\/a>.<\/p><p>Very\u00a0Truly\u00a0Yours,<\/p><p>Kevin\u00a0Stein<br \/>Chief\u00a0of\u00a0Legal\u00a0and\u00a0Strategy Rise Economy<\/p><p>Kevin\u00a0Hill<br \/>Senior\u00a0Policy\u00a0Advisor<br \/>National\u00a0Community\u00a0Reinvestment\u00a0Coalition<\/p><h5 id=\"1\">\u00a0<\/h5><p><a href=\"#_ftnref1\" name=\"_ftn1\">1<\/a>\u00a0<a href=\"https:\/\/www.occ.gov\/news-issuances\/news-releases\/2020\/nr-ia-2020-19.html\" target=\"_blank\" rel=\"noopener\"><u>https:\/\/www.occ.gov\/news-issuances\/news-releases\/2020\/nr-ia-2020-19.htm<\/u>l<\/a><\/p><p>&#8212;&#8212;&#8212;<\/p><h4><u>List\u00a0of\u00a0Endorsing\u00a0Organizations<\/u><\/h4><p>Access Plus Capital<br \/>Administration of Resources and Choices<br \/>Affordable\u00a0Homeownership\u00a0Foundation\u00a0Inc<br \/>Affordable Housing Clearinghouse<br \/>African\u00a0Diaspora\u00a0Directorate<br \/>Alberta Bair Theater<br \/>Allensworth\u00a0Progressive\u00a0Association<br \/>AltCap<br \/>Americans\u00a0for\u00a0Financial\u00a0Reform\u00a0Education\u00a0Fund Ampac Business Capital<br \/>ANHD<br \/>Appalachian Community Capital<br \/>Arbor\u00a0Hill\u00a0Development\u00a0Corporation<br \/>Artist Space Trust<br \/>Asian\u00a0Americans\u00a0United<br \/>Asian\u00a0Pacific\u00a0Islander\u00a0Small\u00a0Business\u00a0Collaborative<br \/>ASIAN, Inc.<br \/>AssistNA<br \/>Association\u00a0for\u00a0Enterprise\u00a0Opportunity<br \/>Bascomb Real Estate Group<br \/>Beneficial State Bank<br \/>Beneficial\u00a0State\u00a0Foundation<br \/>Benito Juarez Foundation<br \/>Big Tent San Leandro<br \/>Bill\u00a0Sorro\u00a0Housing\u00a0Program<br \/>Black\u00a0Economic\u00a0Council\u00a0of\u00a0Massachusetts<br \/>Blues City CRC<br \/>Bonnewit\u00a0Development\u00a0Services<br \/>Boston Impact Initiative<br \/>Boston Tenant Coalition<br \/>Brown Dog Apiary<br \/>Build Healthy Places<br \/>Burbank Housing<br \/>Ca CLT Network<br \/>CA Community-Based Development<br \/>Collective California\u00a0Coalition\u00a0for\u00a0Community\u00a0Investment<br \/>California Coalition for Rural Housing<br \/>California\u00a0Coastal\u00a0Rural\u00a0Development\u00a0Corporation<br \/>California Community Land Trust Network<br \/>California Housing Partnership<br \/>California\u00a0Intertribal\u00a0Alliances<br \/>CAMEO Network<br \/>Carole Rogers<br \/>CASA\u00a0of\u00a0Oregon<br \/>Casita Coalition<br \/>Catapult\u00a0Greater\u00a0Pittsburgh<br \/>CB Harreld Consulting<br \/>CDFI Friendly America<br \/>CDFI Friendly South Bend<br \/>Ceiba<br \/>Center\u00a0for\u00a0Community\u00a0Progress<br \/>Center for Mortgage Access<br \/>Central\u00a0Valley\u00a0Women\u00ac\u00a5s\u00a0Entrepreneur<br \/>Center Centre for Home Ownership<br \/>Centro de Vida Victoriosa Inc.<br \/>Certified Commercial Realty<br \/>Charity\u00a0Cultural\u00a0Services\u00a0Center<br \/>Chattanooga\u00a0Neighborhood\u00a0Enterprise<br \/>Chicago Community Loan Fund<br \/>Chicago\u00a0Lawyers&#8217;\u00a0Committee\u00a0for\u00a0Civil\u00a0Rights<br \/>Chinatown Community Children&#8217;s Center<br \/>Chinatown\u00a0Community\u00a0Development\u00a0Center<br \/>Chinese-American Planning Council<br \/>Citizen\u00a0Potawatomi\u00a0Community\u00a0Development<br \/>Corporation City of Hartford<br \/>City\u00a0of\u00a0Little\u00a0Rock<br \/>CLARIFI<br \/>Climate Reality Project &#8211; NJ<br \/>Coalition for an Equitable Economy<br \/>Coalition\u00a0of\u00a0California\u00a0State\u00a0Tribes<br \/>Coastal Bend Sierra Club group<br \/>CoBiz Richmond<br \/>Common\u00a0Counsel\u00a0Foundation<br \/>Commonspace CLT<br \/>Communitas Veterans Agency Inc<br \/>Community\u00a0Alliance\u00a0with\u00a0Family\u00a0Farmers<br \/>Community\u00a0Development\u00a0Network\u00a0of\u00a0Maryland<br \/>Community Economics, Inc.<br \/>Community Housing Council of Fresno<br \/>Community\u00a0Housing\u00a0Development\u00a0Corporation<br \/>Community Services Employment Training<br \/>Congregations\u00a0Organized\u00a0for\u00a0Prophetic\u00a0Engagement,\u00a0COPE<br \/>Consumer Action<br \/>Consumer Federation of America<br \/>Consumer\u00a0Federation\u00a0of\u00a0California<br \/>Consumers\u00a0for\u00a0Auto\u00a0Reliability\u00a0and\u00a0Safety\u00a0Foundation<br \/>Crowdfund Better<br \/>CRT<br \/>Debthelper.com<br \/>Delaware\u00a0Community\u00a0Reinvestment\u00a0Action\u00a0Council\u00a0Inc.<br \/>Designated Exceptional Service for Independence<br \/>Dominican University<br \/>DPRA\u00a0Group.Inc<br \/>Dunn Police Athletic &amp; Activities League, Inc.<br \/><span style=\"font-size: 16px;\">E. Rene&#8217; Soule&#8217; &amp; Associates<br \/>EastBay Housing Organizations<br \/><\/span>East\u00a0Los\u00a0Angeles\u00a0Community\u00a0Corporation<br \/>East Missouri Action Agency, Inc<br \/>Eastside\u00a0Opportunity\u00a0Ventures<br \/>Empire Justice Center Enterprise Development Fund<br \/>Enterprise\u00a0Management\u00a0Consulting\u00a0LLC<br \/>Envision Realty, Inc.<br \/>Epic Community Impact Fund<br \/>ESHARA\u00a0(Ethnic\u00a0Self-Help\u00a0Alliance\u00a0for\u00a0Refugee\u00a0Assistance)<br \/>ESO Ventures<br \/>Esperanza\u00a0Community\u00a0Housing\u00a0Corp<br \/>Esperanza Community Land Trust\u00a0Exp<br \/>Fair\u00a0Finance\u00a0Watch<br \/>Fair\u00a0Housing\u00a0Advocates\u00a0of\u00a0Northern\u00a0California<br \/>Fair Housing Center for Rights &amp; Research<br \/>Faith\u00a0and\u00a0Community\u00a0Empowerment\u00a0(formerly\u00a0KCCD)<br \/>Family Resources of New Orleans<br \/>Filipino\u00a0Community\u00a0Development\u00a0Corporation\u00a0(FCDC)<br \/>Finanta<br \/>First\u00a0Community\u00a0Capital FMK, llc<br \/>Foundation\u00a0for\u00a0Filipina\u00a0Women\u201a\u00c4\u00f4s\u00a0Network<br \/>Frank Carvalho Consulting Services<br \/>Freedom Equity Inc.<br \/>Genesis\u00a0Historymaker\u00a0CDC<br \/>Genesis LA<br \/>GES\u00a0Coalition<br \/>Global\u00a0Detroit<br \/>Greater Philadelphia Hispanic Chamber of Commerce, President &amp; CEO<br \/>Green West Strategies<br \/>Green+<br \/>Grounded\u00a0Solutions\u00a0Network<br \/>Growing Together<br \/>Guapaholics<br \/>Habitat\u00a0for\u00a0Humanity\u00a0Pasadena<br \/>Habitat\u00a0for\u00a0Humanity\u00a0St.\u00a0Tammany\u00a0West<br \/>Haven Services<br \/>Hawai&#8217;i\u00a0Alliance\u00a0for\u00a0Community-Based\u00a0Economic\u00a0Development<br \/>Health in Partnership<br \/>Heartatwork\u00a0LLC<br \/>Hip Hop Caucus<br \/>His Sanctuary Community Development Corporation<br \/>Homestead\u00a0Resources<br \/>Hope\u00a0and\u00a0Action:\u00a0An\u00a0Economy\u00a0for\u00a0All<br \/>Hope Village 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