BB 93-30
BANKING ISSUANCES

Comptroller of the Currency
Administrator of National Banks
Type:  Banking Bulletin
Subject:  Joint Statement on Fair Lending Expectations

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

Attached is a letter signed by the heads of each of the bank and thrift
regulatory agencies. The letter expresses the regulatory agencies'
expectations that all financial institutions do their part to design
programs to ensure access to credit on a nondiscriminatory basis. The
letter also urges financial institutions to pay special attention to 11
specific fair lending activities, including enhanced employee training,
internal second review programs for loan applications that might otherwise
be denied, participation on multi-lender mortgage review boards and
affirmative marketing and call programs.

All national banks are urged to review, revise and/or expand their
existing practices to ensure that they comply with the principles of fair
lending.

Questions regarding the Office of the Comptroller of the Currency's
expectations should be directed to the Compliance Management Department at
(202) 874-4446.







Stephen M. Cross
Deputy Comptroller
for Compliance Management


Attachment    


Date:  June 3, 1993