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 May 9, 2015

Filer

Filing Type

Filing Proposal

End of Comment Period

COMMONWEALTH BANK OF AUSTRALIA

4c8

Commonwealth Bank of Australia, Sydney, Australia, to engage de novo through its wholly-owned subsidiary, First State Investments (US) LLC, New York, New York, in investment advisory and securities brokerage activities, pursuant to Sections 225.28(b)(6)(i) and 225.28(b)(7)(i) of Regulation Y.

Newspaper:	Not applicable
Federal Register:	Not available

COMMUNITY BANK SYSTEM, INC.

4c8
* 3A3

Community Bank System, Inc., Dewitt, New York to acquire Oneida Financial Corp, Oneida, New York, and its wholly owned depository institution subsidiaries, the Oneida Savings Bank, Oneida, New York and State Bank of Chittenango, Chittenango, New York pursuant to Sections 3(a)(3) and Section 4(C)(8) of the Bank Holding Company Act of 1956, as amended.

Newspaper:	Not available
Federal Register:	05/05/2015

GOLDMAN SACHS BANK USA

PWI

Goldman Sachs Bank USA, New York, New York, seeks prior approval to receive a contribution of 14 public welfare investments, pursuant to Section 208.22(d) of Regulation H.

Newspaper:	Not applicable
Federal Register:	Not applicable

GOLDMAN SACHS BANK USA

PWI

Goldman Sachs Bank USA, New York, New York, seeks prior approval to receive a contribution of three public welfare investments, pursuant to Section 208.22(d) of Regulation H.

Newspaper:	Not applicable
Federal Register:	Not applicable

POPULAR, INC.

Investment

Popular, Inc., San Juan, Puerto Rico, to acquire certain assets of Doral Insurance Agency, LLC, San Juan, Puerto Rico, pursuant to Section 211.9(f) of Regulation K.

Newspaper:	Not applicable
Federal Register:	Not applicable

SYNCHRONY FINANCIAL

* SLHC Formation

Synchrony Financial, Stamford, Connecticut, to become a standalone savings and loan holding company by retaining control of Synchrony Bank, Draper, Utah.

Newspaper:	05/31/2015
Federal Register:	06/05/2015

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 Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 2 Federal Reserve Bank of: New York

Filings received during the week ending May 9, 2015

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 2
Federal Reserve Bank of: New York