Federal Reserve Release, H2, Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received

District: 2
Federal Reserve Bank of: New York

Filings received during the week ending November 22, 2008

Filer

Filing Type

Filing Proposal

End of Comment Period

MANUFACTURERS AND TRADERS TRUST COMPANY

* Branch

Manufacturers and Traders Trust Company, Buffalo, New York requests to establish branches at(i) 19209 A-B Chennault Way, Gaithersbury, Montgomery County, Maryland; (ii)5910 Executive Boulevard, Rockville, Montgomery County, Maryland; (iii) 910 South Richland Avenue, Spring Garden Township, York County, Pennsylvania.

Newspaper:	11/30/2008
Federal Register:	Not applicable

MIZUHO CORPORATE BANK, LTD.

FBSEA

Mizuho Corporate Bank, Ltd, Tokyo, Japan, to upgrade its Los Angeles agency to a branch pursuant to Section 5(a)(7)(B) of the International Banking Act and Section 211.24(a)(2)(i)(A) of Regulation K.

Newspaper:	12/12/2008
Federal Register:	Not applicable

MORGAN STANLEY

* 3A3

Morgan Stanley, New York, New York to acquire up to 9.9 percent of the common stock of Heritage Bank, N.A. (in organization), New York, New York.

Newspaper:	Not available
Federal Register:	12/04/2008

STANDARD CHARTERED BANK

4c8

Standard Chartered Bank, London, England, to engage through its subsidiary, Standard Chartered Securities (North America) Inc., New York, New York, in certain de novo activities pursuant to Sections 225.28(b)(6)(i); (b)(6)(ii); (b)(6)(iv); (b)(7)(i); (b)(7)(ii); (b)(7)(v) and (b)(8)(i) of Regulation Y.

Newspaper:	Not applicable
Federal Register:	12/08/2008

Availability of CRA Public Evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Institution / Location	RSSD ID	Exam Date	CRA Public Date	CRA Rating	Exam Method
NONE

CRA Examinations scheduled for First Quarter of 2009 (January 1, 2009 - March 31, 2009)

Institution	Location
AMBOY BK	OLD BRIDGE, NEW JERSEY
BANCO POPULAR N AMER	NEW YORK, NEW YORK

* Subject to the provisions of the Community Reinvestment Act

District: 2 Federal Reserve Bank of: New York

Filings received during the week ending November 22, 2008

Availability of CRA Public Evaluations

CRA Examinations scheduled for First Quarter of 2009 (January 1, 2009 - March 31, 2009)

District: 2
Federal Reserve Bank of: New York