Public Comment CRA Q&A AC97, Independent Community Bankers of America

September 10, 2007 Office of the Comptroller of the Currency Jennifer J. Johnson, Secretary 250 E Street, SW Board of Governors of the Mail Stop 1-5 Federal Reserve System thWashington, DC 20219 20 Street and Constitution Avenue, NW Washington, DC 20551 Attention: Docket ID OCC-2007-0012 Attention Docket No. OP-1290 Robert E. Feldman, Executive Secretary Regulation Comments Attention: Comments Chief Counsel’s Office Federal Deposit Insurance Corporation Office of Thrift Supervision th550 17 Street, NW 1700 G Street, NW Washington, DC 20429 Washington, DC 20552 Attention: RIN number 3064-AC97 Attention: ID OTS-2007-0030 Re: Community Reinvestment Act – Interagency Questions and Answers Dear Sir or Madam: 1 The Independent Community Bankers of America (ICBA) appreciates the opportunity to comment on the interagency proposal to update the guidance used by banks and others for complying with the rules that implement the Community Reinvestment Act (CRA). The CRA rules are interpreted primarily through the Interagency Questions and Answers Regarding Community Reinvestment which provides guidance for use by agency personnel, financial institutions and the public. 1 The Independent Community Bankers of America represents 5,000 community banks of all sizes and charter types throughout the United States and is dedicated exclusively to ...