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OCC Bulletin August 12, 2002 |
International Banking Activities Capital Equivalency Deposits A new rule amends the OCC's regulation regarding the capital equivalency deposits (CED) that foreign banks with federal branches or agencies must establish and maintain.  |
OCC Bulletin October 3, 2001 |
Operating Subsidiaries of Federal Branches and Agencies New regulations clarify that a federal branch or agency may establish, acquire, or maintain an operating subsidiary in generally the same manner that a national bank may acquire or establish an operating subsidiary...  |
OCC Bulletin May 20, 2004 |
Fair Credit Reporting Medical Information Regulations Section 411 of the FACT Act prohibits creditors from obtaining or using medical information pertaining to a consumer in connection with any determination of the consumer's eligibility or continued eligibility for credit, and restricts the sharing of medical information and related lists or descriptions among affiliates.  |
| OCC Bulletin |
Fair Credit Reporting Medical Information Regulations Section 411 of the Fair and Accurate Credit Transactions Act prohibits creditors from obtaining or using medical information pertaining to a consumer in connection with any determination of the consumer's eligibility, or continued eligibility, for credit.  |
OCC Bulletin June 28, 2001 |
Prohibition Against Interstate Deposit Production The Federal Reserve Board, the Office of the Comptroller of the Currency, and the Federal Deposit Insurance Corporation recently issued updated host state loan-to-deposit ratios that the banking agencies will use to determine compliance...  |
OCC Bulletin April 14, 2004 |
Annual Report on Operating Subsidiaries Notice of proposed rulemaking to amend 12 CFR Part 5.34, the Office of the Comptroller of the Currency's rule governing activities, application, or notice requirements for national banks engaging in activities through an operating subsidiary.  |
OCC Bulletin May 22, 2003 |
Prohibition Against Interstate Deposit Production The Federal Reserve Board, the Office of the Comptroller of the Currency, and the FDIC recently issued updated host-state loan-to-deposit ratios used to determine compliance with section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994.  |
OCC Bulletin July 3, 2006 |
Prohibition Against Interstate Deposit Production Description: Annual Loan-to-Deposit Ratios An updated host-state loan-to- deposit ratios that banking agencies will use to determine compliance with section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 (Interstate Act) is now available.  |
OCC Bulletin April 13, 2006 |
Fair and Accurate Credit Transactions Act This Advance Notice of Proposed Rulemaking addresses the gathering of information for developing guidelines and regulations required by section 312 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act).  |
OCC Bulletin August 15, 2006 |
Assessment of Fees: Final Rule The attached final rule amends part 8 of the OCC's rules concerning the timing of payments of OCC assessments. The effective date of the final rule is August 24.  |
OCC Bulletin September 2, 2004 |
Prohibition Against Interstate Deposit Production Recently updated host-state loan-to-deposit ratios that will be use to determine compliance with section 109 of the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994  |
OCC Bulletin July 22, 2002 |
Prohibition Against Interstate Deposit Production The Federal Reserve Board, the Office of the Comptroller of the Currency, and the Federal Deposit Insurance Corporation recently issued updated host-state loan-to- deposit ratios that the banking agencies will use to determine compliance with section 109 of the Interstate Act.  |
OCC Bulletin December 6, 2005 |
One-Year Post-Employment Restrictions for Senior Examiners This final rule implements new post-employment restrictions for Comptroller of the Currency senior examiners of national banks.  |
OCC Bulletin July 13, 2001 |
Investment Securities; Bank Activities and Operations; Leasing The final rule amends parts 1, 7, and 23 to address changing industry practices and recent statutory amendments...  |
OCC Bulletin July 6, 2001 |
Fiduciary Activities of National Banks As provided for in the final rule, a national bank authorized to engage in fiduciary activities may act in a fiduciary capacity in any state that permits its own in-state fiduciaries to act in that capacity, including at trust offices...  |
OCC Bulletin June 20, 2000 |
Privacy of Consumer Financial Information Privacy provisions of the Gramm-Leach-Bliley Act generally restrict the ability of financial institutions to transfer nonpublic personal information about consumers to nonaffiliated third parties...  |
OCC Bulletin June 5, 2003 |
International Activities of National Banks; U.S. Activities of Federal Branches and Agencies of Foreign Banks Notice of proposed rule making rules, policies, and procedures for corporate activities; international banking activities  |
OCC Bulletin October 6, 2005 |
Electronic Filing and Disclosure of Beneficial Ownership Reports This final rule, which applies to national banks that register their securities with the Office of the Comptroller of the Currency, amends the OCC's rules governing application of Securities Exchange Act disclosure rules to national banks (12 CFR 11).  |
OCC Bulletin September 3, 2003 |
Removal, Suspension, and Debarment of Accountants from Performing Annual Audit Services The attached final rule, published in the Federal Register on August 13, 2003, concerns the removal, suspension, and debarment of accountants from performing annual audit and attestation services.  |
OCC Bulletin August 7, 2003 |
Bank Activities and Operations; and Real Estate Lending and Appraisals The Office of the Comptroller of the Currency (OCC) published the attached notice of proposed rulemaking (NPRM) in the Federal Register on August 5, 2003. The NPRM invites comments on proposed amendments to 12 CFR 7 and 34 of its regulations.  |
OCC Bulletin January 13, 2004 |
Preemption and Visitorial Powers Two new final rules deal with the applicability of state law to national banks and the OCC's current regulation concerning the scope of the agency's "visitorial powers" over national banks.  |
OCC Bulletin April 25, 2005 |
Bank Secrecy Act/Anti-Money Laundering Joint statement on providing banking services to money services businesses.  |
OCC Bulletin September 9, 2003 |
Public Welfare Investments A final rule amends 12 CFR 24 to further define additional types of public welfare investment structures by national banks and simplify the standards for making public welfare investments, among other changes.  |
OCC Bulletin May 7, 2003 |
Changes to Part 5 The interim rule amends 12 CFR 5.2 to expressly provide that the OCC may permit national banks to make any class of filings electronically and refers national banks to the Comptroller's Licensing Manual to find information about the filings that are available for electronic submission.  |
OCC Bulletin December 6, 2005 |
Interim Final Rule: Assessment of Fees The interim final rule revises the current process for assessment collection.  |
OCC Bulletin February 13, 2003 |
Rules, Policies, and Procedures for Corporate Activities; Bank Activities and Operations; and Real Estate Lending and Appraisals The Office of the Comptroller of the Currency published the attached notice of proposed rulemaking in the Federal Register on February 7, 2003 (NPRM). The NPRM amends 12 CFR parts 3, 5, 6, 7, 9, 28, and 34 of its regulations.  |
OCC Bulletin December 22, 1999 |
Bank Activities and Operations, Investment Securities, Corporate Activities A new final rule updates and clarifies the OCC's regulations regarding Bank Activities and Operations (formerly, Interpretive Rulings), Investment Securities, and Rules, Policies, and Procedures for Corporate Activities...  |
OCC Bulletin November 14, 2002 |
Assessment of Fees The final rule amends 12 CFR 8.2(a), which sets forth the formula for the semiannual assessment that the OCC charges each national bank.  |
OCC Bulletin August 30, 2005 |
Examiner Ethics The attached proposed rule, issued jointly with the other federal banking agencies, concerns new post-employment restrictions for senior examiners of national banks.  |
OCC Bulletin January 15, 2004 |
Reporting and Disclosure Requirements for National Banks with Securities The final rule, entitled "Reporting and Disclosure Requirements for National Banks With Securities Registered Under the Securities Exchange Act of 1934; Securities Offering Disclosure Rules," amends 12 CFR 11 and 12 CFR 16.  |
OCC Bulletin April 12, 2005 |
Community Reinvestment Act A joint interim rule for the Community Reinvestment Act (CRA) regulations has been adopted in final form, without change.  |
U.S. Banker August 2009 Anthony Malakian |
An End to the Roadblocks? The Independent Community Bankers of America's official position is that it opposes the Obama administration's branching proposal, reasoning that states should be allowed to make their own laws regarding competition.  |
OCC Bulletin December 12, 2001 |
Privacy of Consumer Financial Information The OCC has prepared a "Small Bank Compliance Guide" to help community banks comply with the rule implementing the privacy provisions of the Gramm-Leach-Bliley Act...  |
OCC Bulletin May 6, 2005 |
Bank Secrecy Act/Anti-Money Laundering Interagency interpretive guidance on providing banking services to money services businesses operating in the United States.  |
OCC Bulletin June 26, 2003 |
Securities Offering Disclosure Rules Reporting and disclosure requirements for National Banks with securities registered under the Securities Exchange Act of 1934  |
OCC Bulletin October 20, 2003 |
Bank Secrecy Act Examination Procedures The examination procedures allow examiners to tailor the examination scope according to the reliability of the bank's compliance management system and the level of risk assumed by the institution.  |
OCC Bulletin February 22, 2001 |
Disclosure of CRA Agreements The law requires each party to a covered agreement entered into after November 12, 1999, to disclose the agreement to the appropriate banking agency...  |
OCC Bulletin January 27, 2006 |
Bank Secrecy Act/Anti-Money Laundering The attached document provides a joint statement on sharing suspicious activity reports with controlling companies.  |
OCC Bulletin March 2, 2000 |
Electronic Banking The Office of the Comptroller of the Currency seeks public comment in responding to the rapid growth of electronic commerce and the significant business opportunities that these technological developments are affording national banks consistent with safety and soundness...  |
OCC Bulletin March 29, 2000 |
Assessment of Fees for National Banks and District of Columbia Banks A proposed rule on assessment of fees would enable the OCC to capture better the costs of supervising national trust banks that are not affiliated with a full service national bank (independent trust banks)...  |
OCC Bulletin August 24, 2005 |
Community Reinvestment Act The final rule revising the Community Reinvestment Act will make key changes to the Office of the Comptroller of the Currency regulations.  |
Bank Director 4th Quarter 2009 William M. Aukamp |
Some Thoughts on Regulatory Reform Before creating a new agency, Congress should be mindful of the already-heavy compliance burden born by banks.  |
OCC Bulletin December 1, 2004 |
Annual Report on Operating Subsidiaries The attached final rule, which amends 12 CFR 5.34 on national banks engaging in activities through operating subsidiaries, was published in the Federal Register on November 5, 2004 (69 FR 64478).  |
OCC Bulletin February 3, 2004 |
Amendment to Part 5 The Office of the Comptroller of the Currency (OCC) published the attached final rule in the Federal Register on January 2, 2004, amending its rules, policies, and procedures for corporate activities. The final rule adopts without change an interim rule that was published on April 14, 2003.  |
OCC Bulletin January 12, 2001 |
Consumer Protections for Depository Institutions Sales of Insurance Final rules establishing consumer protections for depository institution sales of insurance, implement Section 305 of the Gramm-Leach-Bliley Act and apply to retail sales practices, solicitations, advertising, or offers of any insurance product...  |
OCC Bulletin July 16, 2001 |
Electronic Banking: Notice of Proposed Rulemaking This proposed rule is the result of a review by the OCC of its regulations with the goal of revising them in ways that would facilitate bank use of technology, consistent with safety and soundness...  |
OCC Bulletin September 14, 2001 |
Consumer Protections for Depository Institution Sales of Insurance These rules implement Section 305 of the Gramm-Leach-Bliley Act and apply to retail sales practices, solicitations, advertising, or offers of any insurance product or annuity by a depository institution...  |
OCC Bulletin December 14, 2001 |
Assessment of Fees This rule revises the formula for the semiannual assessment the OCC charges each national bank to enable the OCC to establish a minimum base amount for the semiannual assessment...  |
OCC Bulletin July 29, 2002 |
Customer Identification Programs This bulletin transmits a notice of a proposed regulation that requires all banks to implement a customer identification program (CIP) that is appropriate given the bank's size, location, and type of business.  |
OCC Bulletin February 10, 2003 |
Removal, Suspension, and Debarment of Accountants from Performing Annual Audit Services A proposed rule concerns the removal, suspension, and debarment of accountants from performing annual audit and attestation services.  |