This letter urges the Office of the Comptroller of the Currency (OCC) to consider how the proposed acquisition of Chicago Charter One branches by U.S. Bank would create a public benefit, especially to traditionally underserved low- and moderate-income communities and communities of color. The letter asks the OCC to approve the acquisition on the condition that U.S. Bank increase home mortgage lending in traditionally underserved areas to meet or exceed peer lending levels, maintain or increase the combined levels of community development investments and grants currently made by both financial institutions, and maintain or increase the number of branch locations in LMI and minority census tracts. The letter commends both institutions for strong track records of lending to small businesses.