Comment letter on the 2003 CRA examination of LaSalle Bank, N.A.  Addresses the overall poor performance with regards to lending to minority households, the low level of multifamily loan origination to minority and low-income borrowers, the lack of small business start-up loan products, and the inequitable distribution of bank branches.

Comment letter on the 2002 CRA exam of State Farm Bank.  Suggests that State Farm Bank should include :  MSAs or counties where it has branches and ATMs, and any MSA or non-metro county where it has originated a significant portion of its loans in its definition of its assessment area.

Comment letter on the 2000 CRA exam of Chorus Bank.  The letter evaluates the bank on lending, services, grants, and investments and suggests that the bank recievee a rating of Substantial Noncompliance or Needs to
Improve.

Comment letter on Harris Trust and Savings Bank's 2000 CRA Exam.  Although the bank received a Satisfactory rating for its CRA exam in 1998, this letter highlights some shortcomings in Harris Trust and Saving  Bank's community development performance.

Comment letter in response to Netbank’s 2002 proposed CRA Strategic Plan.  The letter commends Netbank for significantly expanding its CRA assessment area to include the following states in their entirety: Arizona, California, Georgia, Florida, Illinois, Massachusetts, New Jersey, New York, Pennsylvania and Texas. This is an improvement over the more limited assessment area that the Bank put forth in its last CRA Strategic Plan.

Comment letter in reponse to E*TRADE Bank’s 2003 Needs to Improve CRA rating.  As one of the largest banks to ever fail a CRA exam, the letter suggests that E*TRADE Bank should formulate a strong and appropriate response.

Comment letter on the 2002 CRA examination of Banco Popular NA.  The letter discusses Banco Popular’s  basic checking account, which is  more expensive and contains more restrictions than accounts offered by other banks in the area.  The letter also expresses serious concern regarding Banco’s invisibility in the home purchase and refinance lending markets. An analysis of Banco Popular’s HMDA data shows the Bank made 2 home purchase loans and only 1 refinance loan in its Illinois assessment area in 2001.

Comment letter submitted as part of the bank's 2004 CRA performance evaluation.  Comments evaluate the bank's mortgage and small business lending to low- and moderate-income borrowers and communities; levels of grants and investments for community development organizations serving LMI communities; and access to bank branches in LMI communities.

Addendum to the 2002 CRA exam comment letter submitted regarding Banco Popular North America.  The bank claimed that they make most of their lending through Equity One (a subprime lender) and an entity known as Banco Popular, N.A.

Comment letter on the 1999 CRA examination of The Northern Trust Company strategic plan.  Addresses the bank's low levels of lending, services, and investments in lower-income communities recommends that the Federal Reserve reject Northern Trust's 2000-2002 Strategic Plan.