12 CFR § 228.46 - Public engagement.

---
identifier: "/us/cfr/t12/s228.46"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "12 CFR § 228.46 - Public engagement."
title_number: 12
title_name: "Banks and Banking"
section_number: "228.46"
section_name: "Public engagement."
chapter_name: "FEDERAL RESERVE SYSTEM"
subchapter_number: "A"
subchapter_name: "BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"
part_number: "228"
part_name: "COMMUNITY REINVESTMENT"
positive_law: false
currency: "2026-04-05"
last_updated: "2026-04-05"
format_version: "1.1.0"
generator: "[email protected]"
authority: "12 U.S.C. 321, 325, 1828(c), 1842, 1843, 1844, and 2901"
regulatory_source: "Reg. BB, 89 FR 7188, Feb. 1, 2024, unless otherwise noted."
cfr_part: "228"
---


# 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.