12 CFR § 345.46 - Public engagement.
---
identifier: "/us/cfr/t12/s345.46"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "12 CFR § 345.46 - Public engagement."
title_number: 12
title_name: "Banks and Banking"
section_number: "345.46"
section_name: "Public engagement."
chapter_name: "FEDERAL DEPOSIT INSURANCE CORPORATION"
subchapter_number: "B"
subchapter_name: "REGULATIONS AND STATEMENTS OF GENERAL POLICY"
part_number: "345"
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. 1814-1817, 1819-1820, 1828, 1831u, 2901-2908, 3103-3104, and 3108(a)."
regulatory_source: "89 FR 7205, Feb. 1, 2024, unless otherwise noted."
cfr_part: "345"
---
# 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 *[email protected]* 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.