Answer:
Well there are several places where addresses are included, so it depends on which place you are talking about. The governing regulations for FDIC-regulated banks are at 12 CFR 345.45 and Appendix B. There are similar regulations from each of the other regulatory agencies as well.
In the notice it stipulates that those reading the notice can review the CRA public file for the entire bank at (address). If this is the address you are asking about, you'd put the address of a branch in your state where the customer can, in fact, view the entire public file. At a minimum the regulations require that you have the public file available at the main office of the bank and also available in at least one branch in each other state where the bank has offices. Some banks adhere to this minimum standard. If that's your situation, put the address for the office in your state that has the entire file. Other banks, like my bank, choose to make this an electronic file stored on the bank's network, therefore it is available at every branch location. So our notice would simply read that the CRA public file for the entire bank is available at this office.
There are other address requirements for interested parties to provide information to the appropriate regulators or to request examination or application announcements. You'd use the appropriate regulatory address for your institution if that is the address you are questioning.
First published on BankersOnline.com 1/19/09
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