CRA Information:
Wholesale and Limited Purpose Banks under the Community Reinvestment Act

Under the Community Reinvestment Act, a bank may apply to its primary federal regulator to be designated a wholesale or a limited purpose bank.  Such banks are evaluated for performance under standards found at 12 CFR 25.25.  The regulation offers the following definitions:

Limited purpose bank means a bank that offers only a narrow product line (such as credit card or motor vehicle loans) to a regional or broader market and for which a designation as a limited purpose bank is in effect.

Wholesale bank means a bank that is not in the business of extending home mortgage, small business, small farm, or consumer loans to retail customers, and for which a designation as a wholesale bank is in effect.

The following national banks are currently designated as limited purpose banks:

Bank Name	City	State	Charter Number	Decision Date
Capital One Bank (USA), National Association	Glen Allen	VA	24828	2/26/2008
Cedar Hill National Bank	Lawrenceville	GA	23323	9/11/1997
Citibank (South Dakota), National Association	Sioux Falls	SD	16971	1/24/1996
Credicard National Bank	Tucson	AZ	23401	7/30/1997
Credit First National Association	Brook Park	OH	22594	1/31/1996
Credit One Bank, National Association (f/k/a First National Bank of Marin	Las Vegas	NV	20291	6/28/1996
Department Stores National Bank*	Sioux Falls	SD	24622	10/21/2005
DSRM National Bank	Albuquerque	NM	23097	6/28/1996
FIA Card Services, National Association (f/k/a MBNA America Bank, National Association)	Wilmington	DE	22381	1/5/1996
First Gulf Bank, National Association	Pensacola	FL	23416	8/28/08
HSBC Bank Nevada, National Association (f/k/a Household Bank (SB), National Association)*	Las Vegas	NV	22675	2/12/1996
HSBC Trust Company (Delaware), National Association	Wilmington	DE	24601	9/29/2006
Infibank, National Association	Atlanta	GA	24308	11/15/2001
M&T Bank, National Association	Oakfield	NY	22859	3/12/1996
Spirit of America National Bank	Milford	OH	22183	8/15/1996
Talbots Classics National Bank	Lincoln	RI	24015	3/31/2000
Target National Bank (f/k/a Retailers National Bank)	Sioux Falls	SD	22549	1/26/1996
TCM Bank, National Association	Tampa	FL	23363	9/11/1997
Town North Bank Nevada, National Association	Las Vegas	NV	24576	5/10/2005
Wachovia Card Services, National Association	Atlanta	GA	24728	12/27/2006
Wells Fargo Financial National Bank	Las Vegas	NV	21099	7/9/1997
World Financial Network National Bank	Gahanna	OH	21739	3/19/1996

* Also operates under a CRA Strategic Plan.

Bank Name	City	State	Charter Number	Decision Date
Bank of China	New York	NY	80028	10/18/1996
Bank of China	New York	NY	80091	10/18/1996
BNY Mellon, National Association (f/k/a Mellon Bank, National Association)	Pittsburgh	PA	6301	7/19/2002
California First National Bank	Irvine	CA	23925	4/13/2000
Corus Bank, National Association	Chicago	IL	23005	8/9/2002
Delta National Bank and Trust Company	New York	NY	20547	5/16/1996
Intervest National Bank	New York	NY	23712	4/18/2006
Pacific National Bank	Miami	FL	20010	1/16/1996
Safra National Bank of New York	New York	NY	20948	5/21/1997
Sterling National Bank	New York	NY	13295	2/22/2001
Wells Fargo Bank Northwest, National Association	Ogden	UT	2597	12/8/2003
Wells Fargo HSBC Trade Bank, National Association	San Francisco	CA	22897	1/8/1996