OCC 2004-21	
OCC Bulletin

Subject:      Compliance Software
Description:  Release of APRWIN 6.0 and APY 2.0

Date:         May 12, 2004 

TO:  Chief Executive Officers and Compliance Officers of all National 
     Banks, Department and Division Heads, and All Examining Personnel


The Office of the Comptroller of the Currency (OCC) has updated its 
APRWIN and APY software programs.  They are now available for download, 
at no cost, on the OCC Web site.  The specific links are 
http://www.occ.treas.gov/aprwin.htm and http://www.occ.treas.gov/apy.htm.

APRWIN is a useful tool for calculating the Annual Percentage Rate and 
reimbursement adjustments as required by the Truth in Lending Act (TILA).  
APY is a useful tool for calculating the Annual Percentage Yield required 
by the Truth in Savings Act.

The OCC developed the APRWIN and APY computer programs to assist national 
bank examiners in evaluating compliance with the TILA and the Truth In 
Savings Act.  The OCC has made the programs available to the industry and 
the general public.  As with other software that you use, the OCC 
recommends that you test them in your computer environment to ensure 
their accuracy in making calculations that comply with the TILA and the 
Truth In Savings Act.

Should you have questions or encounter problems with the software, please 
send an e-mail to APR-APY.assistance@occ.treas.gov.  Questions about the 
TILA and the Truth In Savings Act should be directed to your supervisory 
office or the Compliance Division at (202) 874-4428.



_____________________________
Ann F. Jaedicke
Deputy Comptroller for Compliance