As part of its Regulation Review Program, the Office of the Comptroller of the Currency (OCC) is revising its regulation governing national bank investments designed primarily to promote the public welfare. This final rule clarifies banks' authority; renumbers and reorganizes sections of the regulation; modifies the test for determining whether investments primarily promote the public welfare; and simplifies the regulation's investment self-certification and prior approval processes. This final rule reduces regulatory burden and inconsistencies while enhancing the ability of national banks to make community development and other public welfare investments.