OCC 99 - 30
Community Reinvestment Act
Income Level, Median Family Income
Date: July 13, 1999

TO:	Chief Executive Officers and Compliance 
Officers of All National Banks, Department and 
Division Heads, and All Examining Personnel


Attached are revised 1990 U.S. Census and 
1999 Department of Housing and Urban 
Development (HUD) estimated median family 
incomes for metropolitan statistical areas 
(MSA) and non-MSA portions of each state. 
The annual HUD data are used to determine 
borrower income levels in Community 
Reinvestment Act (CRA) performance evaluations.

The regulation implementing the CRA, 12 CFR 25, 
classifies the income level of an individual or 
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 "the 
statewide non-metropolitan median family 
income, if a person or geography is located 
outside an MSA."

These data may also be found on the OCC's 
Internet website at www.occ.treas.gov.  To 
access this information, please click on 
"Publications."  Within this category, look 
under "Bulletins" to find this bulletin and 
its attachments.  The attachments are 
available as WordPerfect or ASCII files.

Please direct questions regarding this 
bulletin to your supervisory office or to 
Malloy Harris, national bank examiner, 
Community and Consumer Policy Division 
in Washington, D.C., at (202) 874-4446.


                                                      
Ralph E. Sharpe
Deputy Comptroller
Community and Consumer Policy

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