Publications:
Description of Publications
ACTIVITIES PERMISSIBLE FOR A NATIONAL BANK, 2007 describes the activities that are authorized
for a national bank as part of, or incidental to, the business of banking (cumulative).
[Return to Publications List] [Online
Booklet]
ANNUAL REPORT (OCC) sets forth the agency's accomplishments in supervision, regulation, risk analysis, and chartering in each fiscal year. It also describes management initiatives, financial management results, and OCC outreach to industry, community, and consumer organizations.
[Return to Publications List] [Online
Booklet]
ASSISTANCE FOR CUSTOMERS OF NATIONAL BANKS is a brochure that explains the function of the OCC's Customer Assistance Group and how to contact them.
[Return to Publications List] [Online
Brochure] A version in Spanish is available at http://www.occ.gov/spanish/customer_spanish.pdf.
BANK ACCOUNTING ADVISORY SERIES
expresses the OCC's current views on accounting topics of interest to national
banks.
[Return to Publications List] [Online
Booklet]
BANK FAILURE: AN EVALUATION OF THE FACTORS
CONTRIBUTING TO THE FAILURE OF NATIONAL BANKS was
published in 1988 and is based on a study of banks from 1979 through 1987. Its
purpose is to help examiners and bankers identify problem areas in banks that
otherwise appear to be healthy.[Return to Publications List]
[Report]
CHECK FRAUD: A GUIDE TO AVOIDING LOSSES
describes common check fraud schemes and presents tactics banks can use to
combat check fraud. [Return to Publications List] [Online
Guide]
CHIEF FINANCIAL OFFICER'S (CFO's) ANNUAL
REPORT includes financial statements summarizing
OCC's financial position as of year end and analysis. Also includes a bureau
profile, a brief summary of the organizational structure, the OCC's mission,
and priority objectives for the year.
[Return to Publications List] [CFO's
Annual Report]
COMMON PRACTICES FOR COUNTRY RISK MANAGEMENT IN U.S. BANKS provides examiners and bankers with a better understanding of how U.S. banks measure, monitor, and control exposures to foreign countries.
[Return to Publications List] [Online Booklet]
THE COMPTROLLER AND
THE TRANSFORMATION OF AMERICAN BANKING, 1960--1990,
by Eugene N. White, is a history of the OCC from 1960 to 1990. It describes the
changes that took place in the banking industry and national bank regulation
and examines their historical context. The book includes an index, a
bibliography, and statistical data on national bank and OCC operations and
finances for the 30-year period. [Return to Publications List]
COMPTROLLER'S HANDBOOK
contains policies and procedures for the examination of the commercial
activities of national banks. Beginning in 1994, all additions to the Comptroller's
Handbook
were published in booklet form. [Booklets]
[Return to Publications List]
COMPTROLLER'S HANDBOOK
FOR COMPLIANCE contains all of the procedures used
in examining national banks for compliance. The handbook is a supervisory tool
for examiners performing compliance examinations and a self-assessment tool for
bankers analyzing bank compliance systems. [Booklets] [Return
to Publications List]
COMPTROLLER'S HANDBOOK FOR
ASSET MANAGEMENT presents policies and procedures
for the examination of the asset management activities of national banks. The
book is designed to assist the examiner in planning and conducting an
examination. It also assists the examiner in preparing examination reports of
national bank trust departments, as well as subsidiaries and affiliates of
national banks and their holding companies that engage in asset management
activities. [Booklets] [Return
to Publications List]
COMPTROLLER'S LICENSING
MANUAL consists of a series of booklets. The
booklets explain the OCC policies and procedures to form a new national bank,
for existing institutions to enter the national banking system, for individuals
to acquire control of a national bank, and for national banks to effect
structural changes and expand activities.
[Booklets]
[Return to Publications List]
Cultivating Community-based Financial Literacy Initiatives (Spring 2009) highlights roles that banks can play in promoting financial stability through local partnership efforts. Its articles describe four programs that help banks and their community partners reach out to consumers to encourage better money management through savings and checking products.
[Return to Publication List] [HTML] [PDF]
DEPOSIT INSURANCE REFORM AND THE COST OF BANK SUPERVISION is former Comptroller John D. Hawke's call for rational pricing of the banking system's deposit insurance, including an end to national banks' subsidization of state-chartered banks' federal supervision.
[Online Address] [Return to
Publications List]
DEPOSITS AND INVESTMENTS: THERE'S
A CRITICAL DIFFERENCE is a brochure designed to
alert bank customers that mutual funds are not insured by the FDIC. It explains
in plain English the critical difference between insured deposits and mutual
funds, annuities, or other investments.
[Brochure] [Return to
Publications List]
DETECTING RED FLAGS IN BOARD REPORTS--A GUIDE FOR DIRECTORS, written primarily for national bank directors, describes information generally found in board reports, and it highlights "red flags"-- ratios or trends that may signal existing or potential problems.
[Brochure] [Return to Publications List]
THE DIRECTOR'S BOOK
provides general guidance to directors of national banks. It outlines the
responsibilities of the board, highlighting areas of particular concern, and
addresses in broad terms the duties and liabilities of the individual director.
[Return to Publications List] [Online]
ECONOMICS WORKING PAPERS
are written by OCC economists and examine economic issues pertinent to national banks. The papers represent the opinions of the individual economists rather than the OCC.
[Return to Publications List] [Online Set]
E FILES - THE OCC ELECTRONIC LIBRARY
is a CD that gives national bankers access to OCC publications, forms, and
other materials available on the OCC's Web site. [Return to
Publications List]
EFFECTIVE STRATEGIES FOR COMMUNITY DEVELOPMENT
FINANCE/COMMUNITY DEVELOPMENT RESOURCE GUIDE is a
two-volume set that provides information on practices that have helped selected
national banks engage in community development finance, as well as a listing of
approximately 145 resources to assist bankers and their community partners in
obtaining information about community development programs and tools.
[Return to Publications List]
[Effective Strategies] [Resource
Guide]
EQUAL HOUSING LENDER
is a poster informing the public that the bank complies with federal fair
lending laws. It tells the public where to send complaints if they believe
they've been discriminated against. [Return to Publications
List]
AN EXAMINER'S GUIDE TO
PROBLEM BANK IDENTIFICATION, REHABILITATION, AND RESOLUTION
The OCC is committed to bank supervision policies and procedures that
support prompt detection and mitigation of problems before they affect a bank's
viability. In the event a bank's condition is so severe that it is no longer
viable, the OCC will collaborate with the Federal Deposit Insurance Corporation
(FDIC) and other regulators to achieve a timely final resolution in a manner
that will result in the least cost to the deposit insurance fund. This booklet
provides guidance toward those objectives and is intended primarily as a
reference tool for OCC field examiners.
[Return to
Publications List] [Booklet]
THE FFIEC AUDIT BOOKLET
is guidance for bankers and examiners on how a bank maintains an effective risk-based IT audit program.[Return to Publications List] [Online booklet (FFIEC Web site)]
THE FFIEC BANK SECRECY ACT/ANTI-MONEY LAUNDERING EXAMINATION MANUAL does not set new standards; it is a compilation of existing regulatory requirements, supervisory expectations, and sound practices.
[Return to Publications List]
THE FFIEC BUSINESS CONTINUITY PLANNING BOOKLET
helps banks to plan their responses to such adverse events as natural disasters, technological failures, human error, and terrorism.[Return to Publications List] [Online booklet (FFIEC Web site)]
THE FFIEC DEVELOPMENT AND ACQUISITIONS BOOKLET
helps banks to manage the risks of developing and acquiring information technology.[Return to Publications List] [Online booklet (FFIEC Web site)]
THE FFIEC E-BANKING BOOKLET
addresses business and technology issues related to electronic banking.[Return to Publications List] [Online booklet (FFIEC Web site)]
THE FFIEC FEDLINE BOOKLET
addresses security and control expectations for the Federal Reserve Banks' Fedline, which affords community banks access to wire transfer services.[Return to Publications List]
[Online booklet (FFIEC Web site)]
THE FFIEC INFORMATION SECURITY BOOKLET helps examiners and financial institutions to identify information security risks and to evaluate the adequacy of related controls and risk management
practices. [Return to Publications List]
[Online booklet (FFIEC Web site)]
The FFIEC INFORMATION TECHNOLOGY EXAMINATION HANDBOOK
helps examiners and financial institutions to identify the risks of bank
technology and to evaluate the adequacy of related controls and risk management
practices. When completed, it will replace the 1996 FFIEC Information
Technology Examination Handbook. [Return to Publications List]
[FFIEC IT Handbook Infobase (FFIEC Web site)]
THE FFIEC MANAGEMENT BOOKLET
helps banks to manage the risks of information technology, and it helps examiners to evaluate a bank's risk management of information technology. [Return to Publications List]
[Online booklet (FFIEC Web site)]
THE FFIEC OPERATIONS BOOKLET
helps banks to manage the risks of using technology to process and store information. [Return to Publications List]
[Online booklet (FFIEC Web site)]
THE FFIEC OUTSERVICING TECHNOLOGY SERVICES BOOKLET
helps banks to manage the risks of using
external service providers to meet a variety of technology-related needs.
[Return to Publications List] [Online booklet
(FFIEC Web site)]
THE FFIEC RETAIL PAYMENT SYSTEMS BOOKLET
addresses the risks presented by consumers' purchases of goods and services, their payments of bills, their payments to other consumers, and their cash withdrawals from automatic teller machines. [Return to Publications List]
[Online booklet (FFIEC Web site)]
THE FFIEC SUPERVISION OF TECHNOLOGY SERVICE PROVIDERS BOOKLET
helps banks to manage the risks of outsourcing technology services. [Return to Publications List]
[Online booklet (FFIEC Web site)]
THE FFIEC WHOLESALE PAYMENT SYSTEMS BOOKLET
provides guidance to examiners and financial institution management on how to manage the risks of originating and transmitting large-value payments.
[Return to Publications List]
[Online booklet (FFIEC Web site)]
GUIDE TO THE INTERAGENCY COUNTRY EXPOSURE REVIEW COMMITTEE PROCESS
outlines the purposes, makeup, and methods of the committee that assesses the cross-border and cross-currency risks of U.S. banks.
[Return to Publications List] [Online Booklet]
A GUIDE TO HMDA REPORTING, GETTING IT RIGHT!
is an aid to preparing the Home Mortgage Compliance Act report. It includes
checklists, a glossary, addresses for supervisory agencies and the Bureau of
Census, and a listing of geographic codes needed for reporting.
[Return to Publications List]
[Online Guide (FFIEC Web site)]
A GUIDE TO MORTGAGE LENDING IN INDIAN
COUNTRY provides banks with an introduction to
issues frequently encountered when making mortgage loans to Native Americans.
It includes background about legal issues, highlights steps in the lending
process unique to Indian country, describes government loan guarantee and
secondary market programs, and lists regional offices of relevant organizations
and government agencies.
[Return to Publications List]
[Online Guide]
A GUIDE TO THE NATIONAL BANKING SYSTEM
provides an overview of the national banking system, the regulation of national
banks, and the Office of the Comptroller of the Currency.
[Return to Publications List]
[Online Guide]
A GUIDE TO TRIBAL OWNERSHIP OF A NATIONAL
BANK is intended to assist federally recognized
Indian tribes in exploring entry into the national banking system by
establishing or acquiring control of a national bank.
[Return to Publications List]
[Online Guide]
Gulf Coast Redevelopment: Pathways to Recovery (Fall 2008) features an overview of how banks, for-profit and nonprofit businesses and state and local government agencies have responded to the damage inflicted on the gulf coast region by the 2005 hurricane season. It includes the specific activities of selected national banks and their partners, and offers opportunities for others interested in supporting the continuing recovery effort. It also highlights recent legislative and regulatory changes that facilitate national bank investments in this and other recovery efforts from federally declared disasters.
[Return to Publication List] [HTML] [PDF]
Historic Tax Credits: Bringing New Life to Older Communities (December 2008) - This edition of Community Developments Insights describes the Historic Tax Credit program with a particular focus on topics of interest to bankers new to the product. The report examines the primary risks and regulatory considerations associated with financing HTC projects as well as how Historic Tax Credits would be considered in a bank's Community Reinvestment Act examination and how national banks may utilize these credits under the "Part 24" public welfare investment authority.
[Return to Publication List] [PDF]
THE HOME MORTGAGE DISCLOSURE ACT NOTICE
must be posted in the lobby of a bank's home office and in the lobby of each branch office in a metropolitan area. These postings are required by Regulation C.
[Return to Publications List] [Online Guide (FFIEC Web Site)]
INTERNAL CONTROLS
—A GUIDE FOR DIRECTORS helps directors and management evaluate their bank's internal control systems.
[Return to Publications List] [Online Booklet]
INTERPRETATIONS AND ACTIONS
includes legal staff interpretations, trust interpretative letters, securities
letters, and bank accounting advisory series, which represent the informal
views of the Comptroller's staff concerning the applications of banking law to
contemplated activities or transactions. The publication also announces final
enforcement actions against national banks and public evaluation and final
decisions under the Community Reinvestment Act.
[Return to Publications List] [Electronic
Interpretations and Actions]
MORTGAGE METRICS REPORTS present performance data on residential mortgages serviced by national banks and thrifts, focusing on delinquenices, loss mitigation actions, and foreclosures.
[Return to Publications List]
MONEY LAUNDERING: A BANKER'S GUIDE TO
AVOIDING PROBLEMS, which updates a 1993 publication,
discusses how bankers can identify and manage the risks associated with money
laundering and terrorist financing. The revision was prompted by the growing
sophistication of money launderers, a growing international response to money
laundering, changes to anti-money laundering laws, and recent anti-terrorist
financing legislation.
[Return to Publications List] [Booklet]
NATIONAL BANKS AND THE DUAL BANKING SYSTEM explains the OCC's role in preserving
the dual banking system by preserving the essential features of the national
bank charter.[Return to
Publications List] [Booklet]
OCC PERFORMANCE AND
ACCOUNTABILITY REPORT FOR FISCAL YEAR 2002 takes
the place of the Chief Financial Officer's Annual Report. It includes
management's discussion and analysis, financial discussion and analysis, the
independent auditor's report, and financial statements and notes.
[Return to Publications List]
OCC BULLETINS provide information of continuing concern on OCC or OCC-supported policies and guidelines, and inform readers of pending regulatory changes and other general information.
[Return to Publications List] [Online Set]
ON SOLID GROUND VIDEO
is a 21-minute history of the OCC featuring rare archival footage, interviews
with former Comptrollers, and a message from Comptroller John D. Hawke Jr.
[Return to Publications List]
A POCKET GUIDE TO DETECTING RED FLAGS IN BOARD REPORTS is a shorter version of Detecting Red Flags in Board Reports.
[Brochure] [Return to Publications List]
Property Disposition: Exploring Different Approaches for Preserving Affordable Housing Opportunities (March 2009) - This edition of Community Developments Insights highlights partnerships for banks working to dispose of foreclosed properties in creative ways that preserve affordable housing opportunities and stabilize communities. This report reviews initiatives and strategies for building partnerships among banks or mortgage servicers and nonprofit organizations, for-profit affordable housing developers, government entities, and others that are implementing plans to create affordable rental or homeownership opportunities and revitalize areas affected by foreclosed properties.
[Return to Publication List] [PDF]
PROVIDING FINANCIAL SERVICES TO NATIVE AMERICANS IN INDIAN COUNTRY
is a study of how some banks have effectively offered products and services to Native Americans living in Indian Country.
[Return to Publications List] [Online Booklet]
QUARTERLY DERIVATIVES REPORTS describe what call report information discloses about banks' derivative activities, discussing derivatives' performance and key risk areas.
[Return to Publications List]
QUARTERLY JOURNAL
is the journal of record for significant actions and policies of the OCC. It is published four times a year based on data released in March, June, September, and December. The Quarterly Journal is first available on the Web at www.occ.treas.gov/qj/qj.htm and then, by subscription, on the CD-ROM Quarterly Journal Library, a cumulative collection starting with volume 17. The Quarterly Journal includes the press briefing on the condition and performance of commercial banks, statistical tables on the performance of FDIC-insured banks and OCC data bank corporate structure, policy statements, decisions on banking structure, appeals to the ombudsman, links to selected speeches and congressional testimony and interpretive letters, summaries of enforcement actions, and other information of interest in the administration of national banks.
[Return to Publications List] [Online]
Reaching New Bank Customers Through the Earned Income Tax Credit - This publication highlights efforts of national banks and other financial institutions-along with their nonprofit and government partners-to help promote the use of EITCs in their communities.
[Return to Publication List] [PDF]
REPORT OF THE OMBUDSMAN,
2005-2006, includes descriptions of the appeals process,
the Customer Assistance Group, and the results of the examination
questionnaires. It also contains statistics on appeals activity and all of the
appeal summaries.
[Return to Publications List] [Report
of the Ombudsman]
School-Based Bank Savings Programs: Bringing Financial Education to Students (PDF 332KB) (April 2009) - Banks establish school-based bank savings programs as financial education initiatives to help students learn about the importance of saving and other money management topics. This edition of Community Developments Insights discusses how school-based bank savings programs operate.
[Return to Publication List] [PDF]
SIGNIFICANT LEGAL, LICENSING, AND COMMUNITY DEVELOPMENT PRECEDENTS FOR NATIONAL BANKS: 2006
is an annual compilation of the important precedents set by OCC
interpretive letters, corporate decisions, approvals, and other documents.
[Return to Publications List] [Online]
SMALL BUSINESS BANKING ISSUES
discusses programs and strategies that small businesses can use to obtain loans
from national banks. The booklet summarizes an OCC-sponsored forum on the topic
in February 1998.
[Return to Publications List] [Online]
SURVEY OF
CREDIT UNDERWRITING PRACTICES (ANNUAL) The OCC's
annual survey of credit underwriting practices identifies trends in credit risk
within the national banking system. The questionnaire-based survey addresses
changes in lending standards and credit practices since the previous survey for
the most common types of commercial and retail credit offered by national
banks. [Return to Publications List]
USER'S GUIDE FOR THE UNIFORM BANK PERFORMANCE REPORT
The Uniform Bank Performance Report (UBPR) is an analytical tool
created for bank supervisory, examination, and management purposes. In a
concise format, it shows the impact of management decisions and economic
conditions on a bank's performance and balance-sheet composition. The
performance and composition data contained in the report can be used as an aid
in evaluating the adequacy of earnings, liquidity, capital, asset and liability
management, and growth management.[Return to Publications
List]
[Online Guide (FFIEC Web site)]
BRIEF DESCRIPTIONS OF COMPUTER MODELS
OCC ANNUAL PERCENTAGE YIELD (APYWIN) PROGRAM
is a computer-based Windows program that calculates or verifies annual percentage yields for deposit account disclosures and advertising and for periodic statements. Instructions for using the program are on the program's HELP screens. [Download APY] [Return
to Publications List]
OCC ANNUAL PERCENTAGE RATE (APRWIN) PROGRAM
is a computer-based Windows program that calculates annual percentage rates (APRs). Instructions for using the program are on the program's HELP screens. [Download
APR] [Return to Publications List]
RISK-BASED CAPITAL MODEL FOR BANKERS
helps bankers complete call report Schedule RC-R. It uses information provided on call report schedules and additional items not on call reports that affect the risk-based capital calculation. The model provides reports displaying Schedule RC-R amounts and capital limits. This version of the model incorporates changes to the March 31, 2004 call reports. [Download
Risk-Based Capital Model] [Return to
Publications List]
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