On April 8, 2025, the OCC issued OCC Bulletin 2025-6 and rescinded OCC Bulletin 2021-35. The purpose was to inform banks of …the appropriate names and addresses for notices required by the Community Reinvestment Act (CRA) and Equal Credit Opportunity Act, and for posters required by the Fair Housing Act.
Changes, if necessary, are required to be made within 90 days of the bulletin’s issuance.
CRA Public Notice
The now rescinded Bulletin included contact information for Large Bank Supervision, Midsize Bank Supervision, and four Districts (Central, Northeastern, Southern and Western). The new Bulletin refers to and expands on what are now Regions. Contact information is provided for Large Bank Supervision, Midsize and Trust Supervision, East Region, Midwest Region, Northeast Region, South Region, Southeast Region and the West Region.
Fair Housing Act Posters
There were no changes here.
Federal savings associations are required to include in their posters a statement directing persons who believe that they have been discriminated against to send a complaint to the Assistant Secretary for Fair Housing and Equal Opportunity, U.S. Department of Housing and Urban Development, Washington, DC 20410, and to the appropriate federal regulator.
Banks should use the following address:
Office of the Comptroller of the Currency
Customer Assistance Group
P. O. Box 53570
Houston, TX 77052
Regulation B – Equal Credit Opportunity Act Notice
The ECOA Notice generally appears on adverse action notices and the address to be disclosed depends on the bank’s asset size.
The following is required for those with assets of $10 billion or less (no changes):
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Protection Act. The federal agency that administers compliance with this law concerning this creditor is:
Office of the Comptroller of the Currency
Customer Assistance Group
P. O. Box 53570
Houston, TX 77052
The following is required for those with assets of more than $10 billion (change to zip code):
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Protection Act. The federal agency that administers compliance with this law concerning this creditor is:
Consumer Financial Protection Bureau
1700 G St. NW
Washington, DC 20552
Published
2025/06/13