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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.   |
OCC Bulletin
April 6, 2006 |
Community Reinvestment Act Description: Interagency Questions and Answers The guidance provides examples of revitalization and stabilization activities in designated disaster areas. |
OCC Bulletin
December 6, 2005 |
Community Reinvestment Act: Notice and Request for Comment Thirteen new questions and answers are being published for comment. |
OCC Bulletin
August 24, 2005 |
Community Reinvestment Act The revisions to the Community Reinvestment Act regulations, effective September 1, 2005, include a new test -- the community development test -- for intermediate small banks. |
OCC Bulletin
July 30, 2001 |
Community Reinvestment Act 2001 Interagency Questions and Answers -- a comprehensive interpretation of the Community Reinvestment Act (CRA) regulations... |
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. |
OCC Bulletin
January 22, 2007 |
Community Reinvestment Act Two separate revisions are made to the CRA regulation in this rulemaking. |
OCC Bulletin
October 4, 2006 |
Nontraditional Mortgage Products: Proposed illustrations of consumer information and request for comments. |
OCC Bulletin
January 13, 2006 |
Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices Agencies seeking comment on proposed guidance for concentrations in commercial real estate (CRE) lending and sound risk management practices. |
OCC Bulletin
February 9, 2006 |
OCC Bulletin Subject: Community Reinvestment Act Description: Hurricanes Katrina and Rita The Office of the Comptroller of the Currency (OCC) encourages national banks to help meet the financial needs of their customers and their communities. |
OCC Bulletin
December 29, 2005 |
Nontraditional Mortgage Products Request for Comment on Proposed Nontraditional Mortgage Product Guidance |
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
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
February 12, 2003 |
Public Welfare Investments This notice of proposed rulemaking (NPRM), which would amend 12 CFR 24, the OCC's rules governing public welfare investments by national banks, was published in the Federal Register on January 10, 2003. |
U.S. Banker
May 2006
Lee Conrad |
Loans in Hurricane Areas Count as CRA Investments Small banks can lend outside their home markets. |
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
July 27, 2006 |
Identity Theft Red Flags and Address Discrepancies Proposed regulations would require financial institutions and creditors to develop and implement a written identity theft prevention program in connection with account openings and existing accounts. |
Bank Systems & Technology
August 24, 2006
Nancy Feig |
Federal Agencies Propose 'Red Flags' for Identity Theft Prevention In response to growing concerns over identity theft, on July 18, several federal agencies proposed a rule that would require financial institutions and creditors to implement identity theft prevention programs. |
OCC Bulletin
September 19, 2005 |
Hurricane Katrina The Office of the Comptroller of the Currency has issued guidance to assist national banks and their customers affected by Hurricane Katrina. |
OCC Bulletin
October 4, 2006 |
Home Equity Lending: Addendum to OCC Bulletin 2005-22 The addendum provides guidance addressing the timing and content of communications with consumers obtaining open- end home equity lines of credit that contain an interest-only feature. |
OCC Bulletin
January 5, 2001 |
Fiduciary Activities of National Banks Notice of proposed rulemaking that would amend part 9 to codify OCC interpretations on national bank multi-state trust operations. The purpose of these changes is to provide enhanced guidance to national banks engaging in fiduciary activities. |
OCC Bulletin
August 27, 2003 |
Proposed Guidance and Notice of Information Collection Interagency guidance on response programs for unauthorized access to customer information and customer notice |
OCC Bulletin
May 8, 2001 |
Availability of "A Guide to CRA Data Collection and Reporting" The Federal Financial Institutions Examination Council (FFIEC) has made A Guide to Community Reinvestment Act Data Collection and Reporting available on its Internet Web site... |
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
July 8, 2004
Emory W. Rushton |
Overdraft Protection Programs The proposed guidance is intended to assist insured depository institutions in the responsible disclosure and administration of overdraft protection services. |
U.S. Banker
June 2006
Lee Conrad |
Banks Vent Rage Over Commercial RE Loan Rule Banks, in an uproar over regulators' proposal that warns those with high concentrations of commercial real-estate loans may have to raise their capital reserves, worry that new regulations will eat into their bottom line. |
OCC Bulletin
January 31, 2001 |
Subprime Lending While the OCC believes that responsible subprime lending can expand credit access for consumers and offer attractive returns for bankers, during recent years institutions engaged in subprime programs have represented a disproportionate number of problem institutions... |
| Knowledge@Wharton |
Have Banks, After 25 Years, Made Peace with the Community Reinvestment Act? History and enforcement of the CRA, and how it can be improved. |
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
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
November 23, 2006 |
Public Welfare Investments: Increase in Investment Limits The act also revised the general public welfare investment authority in section 24 (Eleventh). |
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 16, 2004
Emory W. Rushton |
Certain Foreign Accounts Interagency Advisory: Guidance on accepting accounts from foreign governments, foreign embassies and foreign political figures. |
OCC Bulletin
March 10, 2000 |
Risk-Based Capital-Recourse and Direct Credit Substitutes This bulletin transmits a proposed rule that would amend the OCC's risk-based capital regulations to treat direct credit substitutes and recourse obligations consistently and would incorporate the use of credit ratings as an indicator of a bank's risk of loss... |
OCC Bulletin
May 9, 2006 |
Revised Interagency Statement Open for Comment The attached interagency statement describes revised sound practices for managing complex structured finance activities that may pose heightened legal or reputational risks to financial institutions. |
OCC Bulletin
October 14, 2005 |
Real Estate Appraisal Exemptions in Major Disaster Areas The exceptions are available for transactions that involve real property in major disaster areas when the exceptions would facilitate recovery from the disaster. |
OCC Bulletin
January 24, 2007 |
Home Mortgage Disclosure Act Higher exemption threshold for depository institutions under Regulation C. |
OCC Bulletin
March 26, 2001 |
Loans Held for Sale This issuance covers the accounting and reporting treatment for certain loans that are sold directly from the loan portfolio or transferred to a held-for-sale account... |
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
December 29, 2000 |
Large Bank Community Reinvestment Act Examinations The guidance, which will be used at all banks examined as large banks, implements the OCC's approach to evaluating a large bank's CRA activities over an "examination cycle"... |
National Real Estate Investor
February 1, 2007
Ben Johnson |
Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns. |
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
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
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. |
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
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
May 3, 2005 |
Accounting and Reporting for Mortgage Loan Commitments Interagency Advisory on Accounting and Reporting for Commitments to Originate and Sell Mortgage Loans |
OCC Bulletin
July 20, 2004 |
Community Reinvestment Act Regulations A recent Joint Interim Rule makes no substantive changes in the requirements of the CRA regulations. Instead, it conforms those regulations to changes to several existing standards and regulations. |
OCC Bulletin
January 13, 2004 |
Fundamental Change in Asset Composition of a Bank Proposed rulemaking would require a national bank to obtain the approval of the OCC before one of two types of fundamental changes in the composition of the bank's assets occurs. |
