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.

Interpretive Letters

Letter No.	Topic
914	Letter addresses concerns raised by an overdraft protection program offered by a third -party vendor to national banks. WORD 08/03/2001
915	Letter concludes that a national bank may underwrite and deal in municipal revenue bonds issued by or on behalf of Puerto Rico. WORD 08/15/2001

Corporate Decisions

Letter No.	Topic
2001-23	Application of Maryland Bank & Trust Company, National Association, Lexington Park, Maryland, to undertake a reorganization pursuant to Section 1204 of the American Home Ownership and Economic Opportunity Act of 2000 and 12 C.F.R. 7.2000(a). (Control Number 2001 NE 12 0161), WORD 08/01/2001
2001-24	Operating subsidiary notice of Metropolitan National Bank, New York, New York, to acquire Cashzone, LLC. (Control Number 2001 NE 08 0030), WORD 08/17/2001
2001-25	Application to merge VNB Del, Inc. into Valley National Bank, Passaic, New Jersey. (Control Number 2001 NE 02 0031), WORD 08/31/2001

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

Letter No.	Topic
479	Application by Zions First National Bank, Salt Lake City, Utah, to establish an operating subsidiary, EnterVault, Inc., that will provide integrated, online information service for secure web-based document storage, retrieval and collaboration of documents and/or files containing personal information or valuable confidential trade or business information. (Control Number 2001 WO 08 0001), WORD 07/27/2001
480	Application to charter a national trust bank with the title of "Family Capital Trust Company, National Association," Boston, Massachusetts. (Control Number 2001 NE 01 0024), WORD 08/27/2001

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 2001-81, 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 August 15 through September 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.