OCC 2005-14
OCC Bulletin

Subject:      Community Reinvestment Act
Description:  Income Level, Median Family Income
    
Date:         April 20, 2005

TO:  Chief Executive Officers and Compliance Officers of All
     National Banks, Federal Branches and Agencies, Department
     and Division Heads, All Examining Personnel, and Other 
     Interested Parties

Attached are U.S. Census and 2005 Department of Housing and Urban
Development (HUD) estimated median family incomes for
metropolitan statistical areas (MSAs), metropolitan divisions
(MDs), and nonmetropolitan portions of each state.  The U.S.
Census data, which are based on 2000 income data, were updated in
2004 to reflect revisions made by the Office of Management and
Budget to the definitions and boundaries of MSAs and MDs.  These
data are used to determine 2005 income levels of geographies in
Community Reinvestment Act (CRA) performance evaluations.  The
annual HUD data are used to determine 2005 borrower income levels
in CRA performance evaluations.

The regulation implementing the CRA, 12 CFR 25, classifies the
income level of a person or a geography as low-, moderate-,
middle-, or upper-income, based on the area median income.  Area
median income is defined as "the median family income for the
MSA, if a person or geography is located in an MSA, or for the
metropolitan division, if a person or geography is located in an
MSA that has been subdivided into metropolitan divisions"; or
"the statewide nonmetropolitan median family income, if a person
or geography is located outside an MSA."

Please direct questions regarding this bulletin to your
supervisory office or to Karen Tucker, national bank examiner,
Compliance Policy Department at (202) 874-4428.




_____________________________
Ann F. Jaedicke
Deputy Comptroller for Compliance Policy



Attachment - FFIEC Census and HUD-estimated MSA/MD Median Family
             Incomes for 2005 CRA/HMDA Reports
            [http://www.occ.treas.gov/ftp/bulletin/2005-14a.pdf]