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Volume 6, Issue 3, 2006   Federal Reserve Bank of Dallas

Who Regulates a Certain Bank or Thrift?

Four federal agencies conduct CRA examinations and enforce CRA regulations. They are the Office of the Comptroller of the Currency, Federal Reserve Board of Governors, Federal Deposit Insurance Corp. and Office of Thrift Supervision.

The Office of the Comptroller of the Currency examines nationally chartered banks. These are typically the country's largest banks, such as Bank of America and Wells Fargo. Their names are usually followed by "N.A." or "N.T. & S.A." to signify a national charter.

In contrast, both the Federal Reserve System and the Federal Deposit Insurance Corp. examine state-chartered banks; their names usually include the word "State." These lenders receive their articles of incorporation from a state banking agency, as opposed to nationally chartered lenders, which have federal articles of incorporation.

The Office of Thrift Supervision examines savings banks and loan associations. Thrifts often have the word "Federal" and the initials "FSB" or "FA" in their names.

e-Perspectives, Volume 6, Issue 3, 2006

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The views expressed are the authors' and should not be attributed to the Federal Reserve Bank of Dallas or the Federal Reserve System. Articles may be reprinted on the condition that the source is credited and a copy is provided to the Community Development Office.

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