OCC Banking Regulation
Office of the Comptroller of the Currency supervision of national banks.
View original at Office of the Comptroller of the Currency
OCC Banking Regulation
The Office of the Comptroller of the Currency (OCC) charters, regulates, and supervises national banks and federal savings associations.
OCC Mission
Ensure national banks and federal savings associations operate safely and soundly, provide fair access to financial services, treat customers fairly, and comply with laws and regulations.
Supervisory Authority
Entities Supervised
- National banks
- Federal savings associations
- Federal branches of foreign banks
Scope
- ~1,100 national banks
- ~$14 trillion in assets
- Two-thirds of US commercial banking assets
Comptroller's Handbook
Examination Procedures
- Asset quality
- Capital adequacy
- Earnings
- Liquidity
- Sensitivity
- IT/Cyber
- Bank Secrecy Act/AML
Safety and Soundness
- Risk assessment system
- Supervision by risk approach
- Core assessment standards
Key Regulations
12 CFR Part 30
- Safety and soundness standards
- Operational controls
- Information security
12 CFR Part 34
- Real estate lending standards
- Appraisal requirements
- Flood insurance
12 CFR Part 9
- Fiduciary activities
- Trust operations
- Investment management
12 CFR Part 7
- Bank activities and operations
- Lending limits
- Electronic activities
Risk Assessment System (RAS)
Risk Categories
- Credit risk
- Interest rate risk
- Liquidity risk
- Price risk
- Operational risk
- Compliance risk
- Strategic risk
- Reputation risk
Quantity and Quality
- Quantity of risk (low, moderate, high)
- Quality of risk management
- Direction of risk
Community Reinvestment Act (CRA)
- Lending, investment, service tests
- Community development
- CRA ratings (Outstanding, Satisfactory, etc.)