[FR Doc 04-2354] 1.FEDERAL RESERVE SYSTEM

The OCC, Board, FDIC, and OTS (collectively, ``we'' or ``the agencies'') have conducted a joint review of the CRA regulations, fulfilling the commitment we made when we adopted the current Community Reinvestment Act (CRA or ``the Act'') regulations in 1995. See 60 FR 22156, 22177 (May 4, 1995). As part of our review, we published an advance notice