OCC 2000-17
Subject: Community Reinvestment Act 
Description: Income Level, Median Family Income
Date: May 31, 2000


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


Attached are 1990 U.S. Census and 2000 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 geographic area 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 Federal Financial 
Institutions Examination Council's HMDA Internet Website 
at www.ffiec.gov/hmda/hardcopy.html

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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