National Banks, Federal Savings Associations and Federal Branches of Foreign Banking Organizations Evaluated on the Basis of a Strategic Plan Under the Community Reinvestment Act (CRA)
As of April 23, 2025
Under the Community Reinvestment Act (CRA), a national bank, federal savings association, or federal branch of a foreign banking organization (collectively, bank) may make a request to the OCC to be evaluated under a strategic plan. The strategic plan option provides a bank with the opportunity to tailor its CRA objectives to the needs of the community and to its own capacities, business strategies, and expertise. Not all of the factors described in the regulation necessarily apply to each strategic plan. The required contents of a strategic plan as well as the OCC's criteria for evaluating a strategic plan are specified in the OCC's CRA regulations at 12 CFR 25.27.
| Bank Name | Location | Charter No. | Decision Date |
|---|---|---|---|
| Bank Of Whittier, N.A. | Whittier, CA | 17548 | Approved 07/02/2024 |
| Esquire Bank, N.A. | Jericho, NY | 25125 | Approved 07/01/2024 |
| First Century Bank, N.A. | Gainesville, GA | 24169 | Approved 10/14/2022 |
| HSBC Bank USA, N.A. | Tysons Corner, VA | 24522 | Approved 08/29/2022 |
| Industrial and Commercial Bank of China (USA), N.A. | New York, NY | 24440 | Approved 12/22/2020 |
| LendingClub Bank, N.A. | Lehi, UT | 25228 | Approved 08/02/2024 |
| Morgan Stanley Private Bank, N.A. | Purchase, NY | 24981 | Approved 05/15/2023 |
| Newtek Bank, N.A. | Miami, FL | 15070 | Approved 03/13/2025 |
| Pathward, N.A. | Sioux Falls, SD | 25195 | Approved 01/19/2024 |
| Titan Bank, N.A. | Mineral Wells, TX | 12437 | Approved 04/16/2025 |
| Sofi Bank, N.A. | Cottonwood Heights, UT | 20862 | Approved 01/12/2023 |
| The Bancorp Bank, N.A. | Wilmington, DE | 25279 | Approved 12/15/2022 |
| USAA, Federal Savings Bank | San Antonio, TX | 707975 | Approved 11/25/2024 |
| Varo Bank, N.A. | Draper, UT | 25147 | Approved 06/30/2020 |