Corporate Applications:

IN THIS ISSUE:

PLEASE NOTE: Interpretive Letters and No-Objection Letters reflect the views of the Comptroller's legal staff. Corporate Decisions, CRA Decisions and Conditional Approvals are from the office of Bank Organization and Structure. The list of CRA Ratings is from the Communications Division. For copies of the CRA evaluations, you may either contact the bank directly, or you may write to the Office of the Comptroller of the Currency (OCC) in any of three ways: by mail to the OCC, Attn: Public Information Room, Mail Stop 1-5, Washington, D.C. 20219; by fax to (202) 874-4448; or by e-mail to FOIA-PA@occ.treas.gov. You may also write to the OCC for copies of enforcement actions and charters with standard conditions.

Members of the news media are encouraged to cite the letter number when reporting or summarizing documents from this package. This helps us to process single requests based upon your citation in a more timely manner.

Corporate Decisions

Letter No.	Topic
2001-16	Applications by First USA Bank, N.A., Wilmington, Delaware, Bank One, N.A., Columbus, Ohio, Bank One Arizona, N.A., Phoenix, Arizona, Bank One Colorado, N.A., Denver, Colorado, Bank One Illinois, N.A., Springfield, Illinois, and Bank One Indiana, N.A., Indianapolis, Indiana, to purchase a credit card portfolio from Wachovia Bank, N.A., Winston-Salem, North Carolina and substantially all of the assets of First National Bank of Atlanta, New Castle, Delaware. (Control Numbers 2001 ML 02 0010 thru 0014), WORD 06/14/2001
2001-17	Application of CreditAmerica Savings Company, Brainerd, Minnesota, to convert to a national bank with the title of "American National Bank of Minnesota," and related applications. (Control Number 2001 SE 02 007), WORD 6/28/2001

Approvals with conditions enforceable under 12 U.S.C. 1818

Letter No.	Topic
471	Application to establish a new national bank with the title of "Regents Bank, National Association," La Jolla, California. (Control Number 2001 WE 01 0002), WORD 06/01/2001
472	Application to charter a national trust bank with the title of AMG/Guaranty Trust, National Association," Englewood, Colorado. (Control Number 2000 WE 01 0022), WORD 06/05/2001
473	Application to establish a new national bank with the title of NetExpress Bank, N.A.," Silver Spring, Maryland, and an operating subsidiary entitled Net Express Mortgage, Inc. (Control Numbers 2000 NE 01 0010 & 2000 NE 08 0068), WORD 06/05/2001
474	Application to merge Midland Trust Company, National Association, Midland, Texas, into and under the charter and title of "Wells Fargo Bank Texas, National Association," San Antonio, Texas. (Control Number 2001 ML 02 0016), WORD 06/11/2001

Charters with standard conditions

Each of the following charter application(s) were approved with a standard condition enforceable under 12 U.S.C. 1818 that requires the bank, during the first three years of its operation, to provide notice to the OCC in advance of any significant deviations or changes from its proposed operating plan.

Final Enforcement Actions

Enclosed is a copy of the OCC's news release number 2001-64, announcing the availability of enforcement actions. Copies of the final actions are available by writing to the OCC, Public Reference Room, Mailstop 1-5, Washington, D.C. 20219. When ordering, specify the appropriate enforcement action number.

COMMUNITY REINVESTMENT ACT (CRA) Performance Evaluations

Enclosed is a list of CRA performance evaluations that became public during the period of June 15 through July 14.

INTERPRETATIONS AND ACTIONS is published monthly by the Office of the Comptroller of the Currency. Subscriptions are available at a rate of $175 per year by writing to the Comptroller of the Currency, P.O. Box 70004, Chicago, IL 60673-0004. Prepayment is requested. Suggestions, comments or questions may be sent to Jacqueline J. England, Communications Division, Mailstop 3-2, Comptroller of the Currency, Washington, DC 20219.