Public Comment CRA Q&A AC97, California Bankers Association

1303 J Street, Suite 600, Sacramento, CA 95814-2939 T: 916/438-4400 F: 916/441-5756 September 7, 2007 Jennifer J. Johnson, Secretary Robert E. Feldman, Executive Secretary Board of Governors of the Federal Reserve Attention: Comments System Federal Deposit Insurance Corporation 20th St and Constitution Ave., NW. 550 17th Street, NW. Washington,DC 20551 Washington, DC 20429 Docket No. OP-1290 RIN number 3064-AC97 Office of the Comptroller of the Currency Regulation Comments 250 E Street, SW., Mail Stop 1–5 Chief Counsel’s Office Washington, DC 20219 Office of Thrift Supervision Docket ID OCC-2007-0012' 1700 G Street, NW. Washington, DC 20552 ID OTS-2007-0030 Re: Interagency Proposed CRA Questions and Answers Dear Sir/Madam: The California Bankers Association (“CBA”) is pleased to provide these comments in support of the federal banking agencies’ (“Agencies”) proposed questions and answers related to the Community Reinvestment Act. CBA is a professional non-profit organization established in 1891 and represents most of the FDIC-insured depository institutions in the state of California. CBA regularly contributes comment letters on behalf of California financial institutions on proposals that significantly affect the business of banking. The Agencies propose a number of changes and additions to the CRA Questions and Answers that we support. Agency Q&As are important and helpful to financial ...