The purpose of this issuance is to inform all national banks, federal branches and agencies, and District of Columbia banks of the change of mailing address for Community Reinvestment Act (CRA) and Home Mortgage Disclosure Act (HMDA) data submissions, which are due March 1, 2002.

The Federal Reserve Board, which processes all national bank CRA and HMDA data, is changing the mailing addresses for these data due to heightened security concerns. This change is effective immediately. Because this change may delay receipt of the submissions, the Federal Reserve Board strongly encourages all CRA and HMDA data reporters to submit data via e-mail.

To submit data electronically, the data files must be encrypted using the FFIEC's CRA and HMDA data entry software. This software may be downloaded from [http://www.ffiec.gov/hmda/softinfo.htm] and [http://www.ffiec.gov/cra/softinfo.htm]. No other encryption software is acceptable. If you do not use the FFIEC software to collect and prepare your CRA and/or HMDA data, you must install the Internet Submission component of the data entry software on your computer and run the Internet Submission program against your CRA and/or HMDA data file in order to properly encrypt the file. Help screens are available in both the FFIEC's CRA and HMDA data entry software applications to assist you with this process. Once the file is encrypted, you should attach the encrypted file to an e-mail message containing institution and contact information as described in the software help screens.

For HMDA e-mail submissions, the message with attached file should be e-mailed to [hmdasub@frb.gov]. For CRA e-mail submissions, the message with attached file should be e-mailed to [crasub@frb.gov].

If you must send data via diskette, CD-ROM, or cartridge tape, the changed mailing addresses are:

CRA: Federal Reserve Board
Attention: CRA Processing
20th & Constitution Avenue, NW
MS N502
Washington, DC 20551-0001

HMDA: Federal Reserve Board
Attention: HMDA Processing, OCC
20th & Constitution Avenue, NW
MS N502
Washington, DC 20551-0001

Technical questions regarding use of the software should be directed to the HMDA Hotline at (202) 452-2016.

Questions about this issuance may be directed to your local supervisory office or the Compliance Division at (202) 874-4428.

David G. Hammaker
Deputy Comptroller for Compliance