OCC 2002-4
OCC Bulletin
Subject: Community Reinvestment Act and Home Mortgage 
         Disclosure Act
Description: Year 2002 Mailing Address
Date: January 17, 2002

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

The purpose of this issuance is to inform all national 
banks, federal branches and agencies, and District of 
Columbia banks of the change of mailing address for 
Community Reinvestment Act (CRA) and Home Mortgage 
Disclosure Act (HMDA) data submissions, which are due 
March 1, 2002.  

The Federal Reserve Board, which processes all national 
bank CRA and HMDA data, is changing the mailing addresses 
for these data due to heightened security concerns.  This 
change is effective immediately.  Because this change may 
delay receipt of the submissions, the Federal Reserve 
Board strongly encourages all CRA and HMDA data reporters 
to submit data via e-mail.  

To submit data electronically, the data files must be 
encrypted using the FFIEC's CRA and HMDA data entry 
software.  This software may be downloaded from 
[http://www.ffiec.gov/hmda/softinfo.htm] and 
[http://www.ffiec.gov/cra/softinfo.htm].  No other 
encryption software is acceptable.  If you do not use the 
FFIEC software to collect and prepare your CRA and/or 
HMDA data, you must install the Internet Submission 
component of the data entry software on your computer and 
run the Internet Submission program against your CRA and/
or HMDA data file in order to properly encrypt the file.  
Help screens are available in both the FFIEC's CRA and 
HMDA data entry software applications to assist you with 
this process.  Once the file is encrypted, you should 
attach the encrypted file to an e-mail message containing 
institution and contact information as described in the 
software help screens. 

For HMDA e-mail submissions, the message with attached 
file should be e-mailed to [hmdasub@frb.gov].  For CRA 
e-mail submissions, the message with attached file should 
be e-mailed to [crasub@frb.gov].

If you must send data via diskette, CD-ROM, or cartridge 
tape, the changed mailing addresses are:

CRA: Federal Reserve Board
Attention: CRA Processing
20th & Constitution Avenue, NW
MS N502
Washington, DC 20551-0001

 HMDA: Federal Reserve Board
Attention: HMDA Processing, OCC
20th & Constitution Avenue, NW
MS N502
Washington, DC 20551-0001

Technical questions regarding use of the software should 
be directed to the HMDA Hotline at (202) 452-2016.

Questions about this issuance may be directed to your 
local supervisory office or the Compliance Division at 
(202) 874-4428.

______________________________________

David G. Hammaker
Deputy Comptroller for Compliance