---
kind: "section"
citation: "12 C.F.R. § 345.46"
title: "12"
number: "345.46"
heading: "Public engagement."
url: "https://uscodex.org/cfr/12/345.46"
---

# §345.46. Public engagement.

- (a) **In general.** The FDIC 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 FDIC 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 FDIC at CRACommentCollector@fdic.gov or to the address of the appropriate FDIC regional office found at https://www.fdic.gov/resources/bankers/community-reinvestment-act/cra-regional-contacts-list.html.
- (c) **Timing of public comments.** If the FDIC 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 FDIC 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 FDIC will forward all public comments received regarding a bank's CRA performance to the bank.

## Notes

### Authority

Authority: 12 U.S.C. 1814-1817, 1819-1820, 1828, 1831u, 2901-2908, 3103-3104, and 3108(a).

### Source

Source: 89 FR 7205, Feb. 1, 2024, unless otherwise noted.