Wednesday, October 12, 2005
Comptroller of the Currency
Administrator of National Banks
December 29. 1998
Mr. Walter L. Ellis 203 East 7th Street Perris CA 92570
Re: Case# 029760
BANK ONE, ARIZONA, NATIONAL ASSOCIATION
Dear Mr. Ellis
This letter acknowledges a case has been opened in the Customer Assistance Group of the Office of the Comptroller of the Currency (OCC). Please make note of the case number listed above. You should reference this case number when inquiring about the case by phone or include this number on any correspondence you may provide to this office. A Customer Assistance Specialist will be assigned and will contact you if any additional information is needed about your case. We will review the information you have provided, contact the bank if necessary for additional information and inform you of our decision within the next 45 days. If you believe you will be harmed by this delay, you should consult an attorney immediately to protect your rights. If you have questions, please contact this office at the number below.
Sincerely,
Barbara Haynes
Customer Assistance Specialist
Administrator of National Banks
December 29. 1998
Mr. Walter L. Ellis 203 East 7th Street Perris CA 92570
Re: Case# 029760
BANK ONE, ARIZONA, NATIONAL ASSOCIATION
Dear Mr. Ellis
This letter acknowledges a case has been opened in the Customer Assistance Group of the Office of the Comptroller of the Currency (OCC). Please make note of the case number listed above. You should reference this case number when inquiring about the case by phone or include this number on any correspondence you may provide to this office. A Customer Assistance Specialist will be assigned and will contact you if any additional information is needed about your case. We will review the information you have provided, contact the bank if necessary for additional information and inform you of our decision within the next 45 days. If you believe you will be harmed by this delay, you should consult an attorney immediately to protect your rights. If you have questions, please contact this office at the number below.
Sincerely,
Barbara Haynes
Customer Assistance Specialist
# posted by walter @ 2:12 PM 
Comments:
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The CRA was enacted in 1977 to prevent redlining and to encourage banks and thrifts to help meet the credit needs of all segments of their communities, including low- and moderate-income neighborhoods. It extends and clarifies the longstanding expectation that banks will serve the convenience and needs of their local communities. The CRA and its implementing regulations require federal financial institution regulators to assess the record of each bank and thrift in helping to fulfill their obligations to the community and to consider that record in evaluating applications for charters or for approval of bank mergers, acquisitions, and branch openings. The federal financial institution regulators are: Office of the Comptroller of the Currency; Board of Governors of the Federal Reserve System; Federal Deposit Insurance Corporation; and Office of Thrift Supervision.
The law provides a framework for depository institutions and community organizations to work together to promote the availability of credit and other banking services to underserved communities. Under its impetus, banks and thrifts have opened new branches, provided expanded services, adopted more flexible credit underwriting standards, and made substantial commitments to state and local governments or community development organizations to increase lending to underserved segments of local economies and populations.
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The law provides a framework for depository institutions and community organizations to work together to promote the availability of credit and other banking services to underserved communities. Under its impetus, banks and thrifts have opened new branches, provided expanded services, adopted more flexible credit underwriting standards, and made substantial commitments to state and local governments or community development organizations to increase lending to underserved segments of local economies and populations.
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