---
kind: "section"
citation: "12 C.F.R. § 228.46"
title: "12"
number: "228.46"
heading: "Public engagement."
url: "https://uscodex.org/cfr/12/228.46"
---

# §228.46. Public engagement.

- (a) **In general.** The Board encourages communication between members of the public and banks, including through members of the public submitting written public comments regarding community credit needs and opportunities as well as a bank's record of helping to meet community credit needs. The Board will take these comments into account in connection with the bank's next scheduled CRA examination.
- (b) **Submission of public comments.** Members of the public may submit public comments regarding community credit needs and a bank's CRA performance by submitting comments to the Board at Staff Group: Community Reinvestment Act at https://www.federalreserve.gov/apps/ContactUs/feedback.aspx, by mail to Secretary of the Board, Board of Governors of the Federal Reserve System, 20th Street and Constitution Avenue NW, Washington, DC 20551, or by facsimile at (202) 452-3819.
- (c) **Timing of public comments.** If the Board receives a public comment before the close date of a bank's CRA examination, the public comment will be considered in connection with that CRA examination. If the Board receives a public comment after the close date of a bank's CRA examination, it will be considered in connection with the bank's subsequent CRA examination.
- (d) **Distribution of public comments.** The Board will forward all public comments received regarding a bank's CRA performance to the bank.

## Notes

### Authority

Authority: 12 U.S.C. 321, 325, 1828(c), 1842, 1843, 1844, and 2901 et seq.

### Source

Source: Reg. BB, 89 FR 7188, Feb. 1, 2024, unless otherwise noted.