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OCC Bulletin
December 6, 2006 |
Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices This Interagency Guidance describes sound risk management practices that will enable institutions to pursue CRE lending in a safe and sound manner.   |
OCC Bulletin
December 29, 2005 |
Nontraditional Mortgage Products Request for Comment on Proposed Nontraditional Mortgage Product Guidance |
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. |
OCC Bulletin
October 4, 2006 |
Nontraditional Mortgage Products: Proposed illustrations of consumer information and request for comments. |
OCC Bulletin
October 27, 2004 |
Internal Ratings-Based Systems for Retail Credit Risk for Regulatory Capital This bulletin briefly summarizes the proposed supervisory guidance on Internal Ratings-Based Systems for Retail Credit Risk for Regulatory Capital that was published today for notice and comment in the Federal Register. |
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
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
September 8, 2005 |
Residential Tract Development Lending Document designed to assist institutions in complying with joint agencies' appraisal and real estate lending requirements for financing residential tract developments. |
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
October 13, 1999 |
Interagency Guidelines for Real Estate Lending Policies New guidelines discuss the credit risks associated with high loan-to-value residential real estate lending and remind national banks that the 1992 Interagency Guidelines for Real Estate Lending Policies apply to these transactions... |
OCC Bulletin
March 28, 2005 |
Credit Risk Proposed changes for the classification of commercial credit exposures, which are used to identify higher risk commercial loans and determine classified loan ratios. |
OCC Bulletin
December 20, 2004 |
Shared National Credit Program Comments are sought on the proposed changes to the Shared National Credit (SNC) Program data collection process. |
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
October 29, 2003 |
Proposed Revisions to Risk-Based Capital Regulations Implementing the New Basel Capital Accord The U.S. banking agencies are currently seeking comment on a proposed framework for implementing the New Basel Capital Accord in the United States through an advance notice of proposed rulemaking. |
OCC Bulletin
March 21, 2005 |
Community Reinvestment Act Notice of Proposed Rulemaking: In response to public comment, the governing agencies are proposing four key changes to the Community Reinvestment Act (CRA) regulations. The comment period ends May 10, 2005. |
OCC Bulletin
December 13, 2006 |
Allowance for Loan and Lease Losses Guidance and frequently asked questions regarding the most recent revisions to the ALLL. |
OCC Bulletin
October 5, 2004 |
Final Rule: Extension of the Lending Limits Pilot Program The program, which provides special lending limits for family residential real estate loans and small business loans, has been extended to June 11, 2007. The program also now includes certain agricultural loans |
OCC Bulletin
June 15, 2006 |
Disaster Planning This bulletin transmits the booklet, "Lessons Learned From Hurricane Katrina: Preparing Your Institution for a Catastrophic Event," developed by the Federal Financial Institutions Examinations Council member agencies. |
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
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... |
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
October 4, 2006 |
Nontraditional Mortgage Products: Guidance on Nontraditional Mortgage Product Risks Guidance discusses how institutions can offer nontraditional mortgage products in a safe and sound manner and in a way that clearly discloses the benefits and risks to borrowers. |
OCC Bulletin
April 21, 2006 |
Guidance for Filing Notices of Proposed Class Action Settlements New notification requirements apply to a wide range of federal and state depository institutions, and entities thereof, that are defendants in proposed class action settlements. |
OCC Bulletin
February 3, 2006
Emory W. Rushton |
Hurricane Katrina: Guidance to Examiners This issuance transmits guidance regarding supervisory practices to be followed in assessing the financial condition of financial institutions directly affected by Hurricane Katrina. |
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
December 6, 2005 |
Community Reinvestment Act: Notice and Request for Comment Thirteen new questions and answers are being published for comment. |
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 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
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
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
February 20, 2001 |
Bank Secrecy Act/Anti-Money-Laundering The attached guidance was issued to help U.S. financial institutions avoid transactions that may involve the proceeds of foreign official corruption. |
| OCC Bulletin |
Accounting for Loan and Lease Losses The guidance addresses recent developments in accounting for loan and lease losses and provides a listing of current, authoritative sources of generally accepted accounting principles in this area. |
OCC Bulletin
August 4, 2003 |
Proposed Revisions to Risk-Based Capital Implementing the new Basel Capital Accord This bulletin briefly summarizes the Advance Notice of Proposed Rulemaking (ANPR) and Supervisory Guidance developed for corporate credit risk and operational risk that were published today in the Federal Register. |
Commercial Investment Real Estate
Jul/Aug 2006
Spencer Garfield |
The Lending Landscape Buyers must learn to navigate a changing course to finance commercial real estate deals this year. |
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
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
August 15, 2006 |
Authentication in an Internet Banking Environment Just-released "frequently asked questions" (FAQs) are designed to aid in the implementation of the interagency guidance on Authentication in an Internet Banking Environment. |
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. |
National Real Estate Investor
March 1, 2006
John B. Levy |
A Shot Across The Bow Investors in loans on commercial real estate -- insurance companies, pension funds and Wall Street firms -- continued competing for business in January, squeezing spreads between interest rates on commercial mortgages and rates on Treasuries. |
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
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
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
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
May 3, 2005 |
Accounting and Reporting for Mortgage Loan Commitments Interagency Advisory on Accounting and Reporting for Commitments to Originate and Sell Mortgage Loans |
CFO
June 15, 2012
Vincent Ryan |
Banks Ease Terms for Business Loans Fiercer domestic competition is making U.S. banks more flexible on spreads, interest-rate floors, and other costs to borrowers. |
OCC Bulletin
January 5, 2007 |
Complex Structured Finance Transactions: Notice of Final Interagency Statement Modifications to the initial statement address issues and concerns raised by commenters. |
OCC Bulletin
December 6, 2005 |
Interim Final Rule: Assessment of Fees The interim final rule revises the current process for assessment collection. |
OCC Bulletin
May 19, 2004 |
Complex Structured Finance Transaction Notice of joint statement with request for public comment on the attached interagency statement concerning the complex structured finance activities of financial institutions. |
OCC Bulletin
April 9, 2001 |
Leveraged Finance This guidance describes the essential elements of that risk management: comprehensive credit analysis, frequent monitoring, and detailed portfolio reports... |
OCC Bulletin
August 24, 2006 |
Annual Dollar Trigger for Certain Home Mortgage Loans The Federal Reserve Board published its annual amendment to its Regulation Z Commentary related to the dollar amount that triggers requirements for certain home mortgage loans subject to 12 CFR 226.32. |
