Legal and Regulatory:
Archived News Articles

Bank Investment Bank Secrecy Act/Anti-Money Laundering Branching Capital Compliance, Consumer Community Development Consulting & Financial Advice Corporate Governance & Structure Derivatives Enforcement Actions Ethics Federal Reserve Board

Fiduciary Activities Investments Lending Other Banking Activities Preemption Regulations Research & References Risk Management Securities Activities Speeches and Testimony

Topic	Date	Item
Bank Investment	8/23/2007	Acquisition of Preferred Securities by Bank of America, N.A. from Countrywide, Letter (PDF 882KB).
Bank Secrecy Act/Anti-Money Laundering	03/19/2009	The OCC's regulations that implement the Bank Secrecy Act governing the confidentiality of a suspicious activity report. OCC Bulletin 2009-9, Part 4 (PDF), Part 21 (PDF), Comments
Bank Secrecy Act/Anti-Money Laundering	01/15/2009	The Financial Crimes Enforcement Network (FinCEN) recently announced the December 5, 2008, publication in the Federal Register of the final rule on Currency Transaction Reporting (CTR). OCCBulletin 2009-5, Final Rule (PDF), Comments
Bank Secrecy Act/Anti-Money Laundering	05/01/2008	The Financial Crimes Enforcement Network (FinCEN) issued guidance to supplement information previously provided to financial institutions on serious deficiencies existing in the anti-money laundering systems of the Islamic Republic of Iran. OCC 2008-13
Bank Secrecy Act/Anti-Money Laundering	05/01/2008	Guidance to Financial Institutions on the Money Laundering Threat. OCC 2008-14
Bank Secrecy Act/Anti-Money Laundering	05/01/2008	The Financial Crimes Enforcement Network (FinCEN) issued guidance informing banks and other financial institutions operating in the United States of serious deficiencies existing in the anti-money laundering systems. OCC 2008-15
Bank Secrecy Act/Anti-Money Laundering	08/30/2007	The federal banking agencies recently issued an interagency statement which provides general policy guidance regarding circumstances in which an agency is required to issue a cease-and-desist order to address noncompliance with Bank Secrecy Act (BSA) requirements. OCC Bulletin 2007-36, interagency statement
Bank Secrecy Act/Anti-Money Laundering	08/30/2007	The guidance clarifies three issues: BSA regulatory requirements as they relate to supporting documentation, what constitutes "supporting documentation," and when legal process is required for supporting documentation disclosure. OCC Bulletin 2007-34, guidance
Bank Secrecy Act/Anti-Money Laundering	08/30/2007	The Department of Treasury, the Department of Justice, and the Department of Homeland Security jointly released the "2007 National Money Laundering Strategy." OCC Bulletin 2007-35, "2007 National Money Laundering Strategy,"
		Top
Bank Secrecy Act/Anti-Money Laundering	08/28/2007	The Financial Crimes Enforcement Network (FinCEN), announce the final rule implementing a significant provision of Section 312 of the USA PATRIOT Act. OCC Bulletin 2007-33, final rule, FinCEN
Bank Secrecy Act/Anti-Money Laundering	03/14/2007	Bank Secrecy Act/Anti-Money Laundering: Notification of Revised Suspicious Activity Report by Depository Institutions (SAR-DI), OCC 2007-12
Bank Secrecy Act/Anti-Money Laundering	06/21/2006	OCC Deputy Comptroller Testifies before House Subcommittee on Bank Secrecy Act's Impact upon Money Services Businesses. NR 2006-76, Statement (PDF), Testimony (PDF)
Bank Secrecy Act/Anti-Money Laundering	04/18/2006	Bank Secrecy Act/Anti-Money Laundering: Final Rule: Imposition of Special Measures Against the Commercial Bank of Syria including its subsidiary, the Syrian Lebanese Commercial Bank as a Financial Institution of Primary Money Laundering Concern. OCC 2006-19, ASCII, Final Rule (PDF)
Bank Secrecy Act/Anti-Money Laundering	03/01/2006	Bank Secrecy Act/Anti-Money Laundering: OFAC--Economic Sanctions Enforcement Procedures for Banking Institutions. OCC Bulletin 2006-11, ASCII, Interim Final Rule (PDF), Comment
		Top
Bank Secrecy Act/Anti-Money Laundering	03/01/2006	Bank Secrecy Act/Anti-Money Laundering: FinCEN; Final Rule and Proposed Rule for Special Due Diligence Programs for Certain Foreign Accounts. OCC Bulletin 2006-10, Final Rule (PDF 335KB), ASCII, NPRM (PDF), Comment
Bank Secrecy Act/Anti-Money Laundering	01/27/2006	A foreign bank's U.S. branch may disclose a suspicious activity report to its head office; a U.S. bank may disclose the same to controlling companies. OCC Bulletin 2006-4, ASCII Statement (PDF)
Bank Secrecy Act/Anti-Money Laundering	11/01/2005	Comptroller of the Currency John C. Dugan said that the OCC is committed to a process of Bank Secrecy Act and Anti-Money Laundering (BSA/AML) supervision and enforcement that is not only effective, but also measured and fair. NR 2005-108, Remarks (PDF)
Bank Secrecy Act/Anti-Money Laundering	08/17/2005	The Office of the Comptroller of the Currency announced that they have each assessed a $24 million civil money penalty (PDF) against the New York Branch of Arab Bank for violations of the Bank Secrecy Act. NR 2005-80, FINCEN
		Top
Bank Secrecy Act/Anti-Money Laundering	08/08/2005	The federal banking and thrift agencies, along with the Financial Crimes Enforcement Network (FinCEN), announced registration details for a live webcast of the Bank Secrecy Act/Anti-Money Laundering Examination Manual outreach event in New York on August 22. NR 2005-78
Bank Secrecy Act/Anti-Money Laundering	07/18/2005	The Federal banking and thrift agencies, along with the Financial Crimes Enforcement Network (FinCEN), announce registration details for the upcoming outreach events related to the Bank Secrecy Act/Anti-Money Laundering Examination Manual. NR 2005-70, FFIEC Outreach Fact Sheet. (PDF)
		Top
Bank Secrecy Act/Anti-Money Laundering	06/30/2005	The Federal Financial Institutions Examination Council (FFIEC) released the Bank Secrecy Act/Anti-Money Laundering Examination Manual (FFIEC BSA/AML Examination Manual). NR 2005-64
Bank Secrecy Act/Anti-Money Laundering	04/26/2005	Acting Comptroller Julie Williams testified on the implementation of the Bank Secrecy Act in the context of money services businesses (MSBs) before the Senate Banking Committee. Testimony (PDF) Oral Statement (PDF)
Bank Secrecy Act/Anti-Money Laundering	04/26/2005	Federal financial regulators voiced concerns in a joint statement (PDF) that banks have misperceptions about the BSA-associated risks of money services businesses. OCC 2005-15 WORD ASCII
Branching	08/10/2005	This letter (PDF) explains that a remote check scanning terminal at a customer's location, which permits the customer to deposit checks electronically, is not a branch within the meaning of the McFadden Act, 12 U.S.C. § 36.
Capital	02/23/2009	Joint statement by the Treasury, FDIC, OCC, OTS, and the Federal Reserve Release 2009-11
Capital	12/16/2008	Agencies approve final rule on deduction of Goodwill from Tier 1 Capital. News Release 2008-145, Final Rule (PDF)
Capital	10/17/2008	Agencies announce decision on Regulatory Capital Impact of Emergency Economic Stabilization Act of 2008 on Fannie Mae and Freddie Mac Preferred Stock. NR 2008-124
Capital	09/15/2008	The federal banking agencies are evaluating the amendments to generally accepted accounting principles proposed by the Financial Accounting Standards Board (FASB). NR 2008-107
Capital	07/31/2008	The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Office of Thrift Supervision have issued final guidance outlining the supervisory review process for banking organizations implementing the new advanced capital adequacy framework known as Basel II. OCC Bulletin 2008-20, Guidance (PDF)
Capital	07/29/2008	This bulletin briefly summarizes an interagency Notice of Proposed Rulemaking (NPR) for a U.S. implementation of the standardized approach of the Basel II Capital Accord. OCC 2008-19, Proposed Rulemaking (PDF), Comments
Capital	07/15/2008	The federal banking and thrift agencies issued final guidance outlining the supervisory review process for banking organizations implementing the new advanced capital adequacy framework known as Basel II. News Release 2008-81, Guidance (PDF)
Capital	07/10/2008	Regulatory Impact Analysis for Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance: Standardized Risk-Based Capital Rules (Basel II: Standardized Option), Office of the Comptroller of the Currency, International and Economic Affairs (2008) (PDF)
Capital	07/08/2008	The federal banking and thrift agencies issued an interagency statement outlining the qualification process for banking organizations implementing the new advanced capital adequacy framework known as Basel II. News Release 2008-77, Statement (PDF)
Capital	07/03/2008	The Office of the Comptroller of the Currency has approved for publication a notice of proposed rulemaking that would implement the standardized approach of the Basel II Capital Accord. News Release 2008-75
Capital	06/27/2008	The Basel Committee on Banking Supervision issued for public comment enhanced global Principles for Sound Liquidity Risk Management and Supervision. News Release 2008-72
Capital	03/03/2008	Comptroller Dugan tells International Bankers that the Basel II U.S. implementation is on a prudent, deliberate path. News Release 2008-26
Capital	12/07/2007	Implementation of the Advanced Approaches of the Basel II Capital Accord. OCC Bulletin 2007-47, Final Rule (PDF 2.2MB)
		Top
Capital	11/01/2007	The Office of the Comptroller of the Currency announced that it has approved a final rule implementing the advanced approaches of the Basel II Capital Accord. News Release 2007-123, Final rule (PDF 756KB), Comments, Preamble (PDF 1.2MB)
Capital	02/28/2007	Supervisory Guidance Related to Basel II Implementation: Proposed Supervisory Guidance, OCC 2007-10
Capital	09/25/2006	Two Notices of Proposed Rulemaking (NPR). The first NPR (Basel II NPR) would implement new risk-based capital requirements for large or internationally active U.S. banking organizations. The second NPR (Market Risk NPR) proposes changes to the current risk-based capital charge for market risk. NPR- Advanced Capital Adequacy Framework (PDF 997KB), NPR-Market Risk, Comment (PDF)
Capital	09/14/2006	Comptroller of the Currency John C. Dugan told a House subcommittee today that the Basel II capital framework is intended not only to align capital requirements more closely to the complex risks inherent in large, internationally active banks, but to require those institutions to substantially improve their risk management systems and controls. NR 2006-96, Testimony (PDF)
Capital	09/05/2006	The federal bank and thrift regulatory agencies announced that they will request public comment on a notice of proposed rulemaking (NPR) that would implement new risk-based capital requirements in the United States for large, internationally active banking organizations. NR 2006-94, Statement, Market Risk, NPR, Advanced Capital Adequacy Framework (PDF)
Capital	06/08/2006	Comptroller of the Currency John C. Dugan discussed the Basel II capital accord in a speech to the Centre for the Study of Financial Innovation. 2006-69, Remarks (PDF)
Capital	03/13/2006	The Comptroller of the Currency, John C. Dugan told a conference of international bankers that the continued safety and soundness of the banking system demands that regulators move away from the simplistic risk-based capital system now in use for internationally active banks to one that substantially enhances risk management and more closely aligns capital with risk. NR 2006-30, Remarks (PDF)
Capital	11/10/2005	Comptroller of the Currency, John C. Dugan told the Senate Banking Committee that the goal of the Basel II Capital Framework and a separate initiative for smaller institutions will substantially enhance safety and soundness. NR 2005-111, Testimony (PDF), Statement (PDF)
Capital	10/20/2005	The four federal banking agencies--the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Office of Thrift Supervision-- published an interagency advance notice of proposed rulemaking (ANPR) regarding potential revisions to the existing risk-based capital framework. NR 2005-103, OCC Bulletin 2005-37, ANPR (PDF)
Capital	01/27/2005	The federal banking and thrift agencies today released an interagency statement on implementation of the Basel II framework and the qualification process for the framework's "advanced approaches." Implementation of Basel II Framework (PDF) - NR 2005-6
		Top
Community Development	12/30/2008	Small Bank Asset Thresholds and Related Regulatory Revisions. OCC Bulletin 2008-36, Revisions (PDF)
Community Development	12/17/2008	The federal bank regulatory agencies announced the annual adjustment to the asset-size thresholds used to define small bank, small savings association, intermediate small bank, and intermediate small savings association under the Community Reinvestment Act (CRA) regulations. News Release 2008-146, Announced (PDF)
Community Development	11/26/2008	The Office of the Comptroller of the Currency (OCC) published a Community Developments Insights report that describes how banks participate in the Historic Tax Credit (HTC) program which is used to rehabilitate and restore certified historic properties. News Release 2008-140, Community Developments Insights
Community Development	09/19/2008	The Office of the Comptroller of the Currency (OCC) released the Fall 2008 edition of Community Developments Investments focusing on Multibank Community Development Corporations (CDC). NR 2008-109
Community Development	09/18/2008	The Office of the Comptroller of the Currency (OCC) published a Community Developments Insights report which looks at bank participation in the SBA's 7(a) Loan Guarantee Program. NR 2008-108, Community Developments Insights (PDF)
Community Development	08/21/2008	An interim final rule to implement a provision of the Housing and Economic Recovery Act of 2008 (HERA) 1 that expands national banks' authority to make public welfare investments. OCC Bulletin 2008-22, News Release 2008-97, Interim Final Rule (PDF)
Community Development	05/03/2005	Acting Comptroller of the Currency, Julie L. Williams, spoke before the Regional Interagency Committee about the noteworthy progress that strategic partnerships are making in mitigating the effects of foreclosures in cities and communities nationwide. NR 2005-44, Speech (PDF)
Compliance, Consumer	08/20/2008	Transmits a final rule, published by the Federal Reserve Board, for the dollar amount in 2009 that triggers provisions of the Home Ownership and Equity Protection Act. OCC Bulletin 2008-21
Compliance, Consumer	05/22/2008	The federal financial regulatory agencies issued final illustrations for helping consumers understand certain hybrid adjustable rate mortgage (ARM) products. Release 2008-57, Illustrations of Consumer Information for Hybrid Adjustable Rate Mortgage Products (PDF)
Compliance, Consumer	04/25/2008	The Office of the Comptroller of the Currency (OCC) has directed Wachovia to make restitution to consumers harmed by the bank's relationships with telemarketers and payment processors. News Release 2008-48
Compliance, Consumer	02/15/2008	The Office of the Comptroller of the Currency promoted awareness of consumer protection resources during National Consumer Protection Week event on Capitol Hill. NR 2008-18
Compliance, Consumer	02/07/2008	OCC Focuses on Low-Income Housing Tax Credit Program Release 2008-10, Community Developments Insights (PDF)
Compliance, Consumer	11/06/2007	Comptroller Dugan supports FACT Act Implementation Rule to help consumers resolve disputes with Financial Institutions NR 2007-124
Compliance, Consumer	10/31/2007	The federal financial institution regulatory agencies and the Federal Trade Commission have sent to the Federal Register for publication final rules on identity theft "red flags" and address discrepancies. News Release 2007-122, Final rules (PDF 756KB), Comments
Compliance, Consumer	08/27/2007	The Federal Reserve Board published, Federal Register, 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. OCC Bulletin 2007-32, final rule (PDF)
Compliance, Consumer	06/13/2007	Comptroller Dugan Tells House Committee that OCC Supervision Plays Critical Role In Ensuring National Bank Compliance with Federal Consumer Protection Standards NR 2007-57, Statement, Testimony
		Top
Compliance, Consumer	05/31/2007	The federal bank, thrift, and credit union regulatory agencies issued final illustrations of consumer information intended to help institutions implement the consumer protection portion of the Interagency Guidance on Nontraditional Mortgage Product Risks. NR 2007-49
Compliance, Consumer	03/29/2007	The Office of the Comptroller of the Currency, Office of Thrift Supervision, Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, National Credit Union Administration, Federal Trade Commission, Commodity Futures Trading Commission, and Securities and Exchange Commission (the agencies) are requesting comment on a model privacy notice that financial institutions may use to provide disclosures under the Gramm-Leach-Bliley Act (GLBA) and the agencies' implementing regulations. OCC 2007-13, NRP, Comment
Compliance, Consumer	03/31/2006	Federal regulators released Evolution of a Prototype Financial Privacy Notice, a report by Kleimann Communication Group summarizing consumer research commissioned by the regulators as part of their ongoing efforts to develop improved financial privacy notices. NR 2006-42
Compliance, Consumer	03/30/2006	Chief Counsel and First Senior Deputy Comptroller Julie L. Williams called for more effective "consumer-oriented disclosures in the financial services business" as a vital part of consumer protection in a speech to the 2006 Banking Institute. NR 2006-40, Remarks (PDF)
		Top
Compliance, Consumer	03/22/2006	Agencies Seek Public Comment on Issues Related to the Accuracy of Consumer Credit Reports and the Reinvestigation of Disputes. NR 2006-36
Compliance, Consumer	02/17/2006	The federal financial regulatory agencies extended the comment period on the proposed guidance on nontraditional residential mortgage products. NR 2006-21, Proposed Interagency Guidance on Nontraditional Mortgage Products (PDF)
Compliance, Consumer	02/02/2006	The Comptroller of the Currency John C. Dugan said that most bank customers don't find the privacy notices they receive to be especially useful and said an ongoing interagency process to simplify those notices will better serve banks and their customers. NR 2006-8, Remarks (PDF)
Compliance, Consumer	12/01/2005	The Comptroller of the Currency, John C. Dugan made his first major speech before the Consumer Federation of America here in Washington, DC. He spoke about negative amortization and its increasing prominence in retail credit products. NR 2005-117, Speech (PDF)
		Top
Compliance, Consumer	08/29/2005	The Office of the Comptroller of the Currency (OCC) published the Summer 2005 edition of the Community Developments newsletter, which provides various perspectives and strategies on how the revised Home Mortgage Disclosure Act (HMDA) reporting requirements could enhance mortgage-lending opportunities for national banks and their customers. NR 2005-84, Newsletter
Compliance, Consumer	08/17/2005	The Office of the Comptroller of the Currency (OCC) released a list of Community Reinvestment Act (CRA) performance evaluations that became public during the period of July 15, 2005 through August 14, 2005. The list contains only national banks and insured federal branches of foreign banks that have received ratings. NR 2005-81, CRA Evaluations
Compliance, Consumer	06/16/2005	The letter (PDF) concludes that "GAP Addendums" sold by a national bank to borrowers in connection with the bank's motor vehicle loans, in connection with a GAP program administered by an insurance company, are debt cancellation contracts subject to 12 CFR Part 37.
Compliance, Consumer	06/01/2005	The Office of the Comptroller of the Currency (OCC) released its schedule of Community Reinvestment Act (CRA) examinations to be conducted in the third quarter of 2005. NR 2005-54, CRA (PDF)
Compliance, Consumer	05/17/2005	Acting Comptroller of the Currency, Julie L. Williams, testified before the Senate Banking Committee and made four key points on the OCC's perspectives concerning the marketing and disclosure practices of the U.S. credit card industry. NR 2005-49, Statement (PDF)
Compliance, Consumer	05/16/2005	This bulletin promotes sound credit risk management practices for financial institutions engaged in home equity lending. NR 2005-48, TEXT, PDF
		Top
Consulting & Financial Advice	02/24/2005	The letter (PDF) concludes that it is permissible for a national bank to provide consulting and advisory services to deposit customers who hire independent messenger or courier services to transport banking items to and from the bank. Includes activities such as helping customer select a courier service, contract administration, and help with dispute resolution. Since the bank will not provide the courier service, this is not a branching activity.
Corporate Governance & Structure	05/10/2007	The OCC has published an interim rule amending 12 CFR 4 to expand the description of banks qualified for the 18-month examination cycle. The OCC invites comments on the interim rule. OCC Bulletin 2007-16, Proposed Rule (PDF), Comment
Corporate Governance & Structure	10/06/2005	The rule (PDF) requires insiders of national banks with equity securities registered with the OCC to file certain beneficial ownership reports electronically. OCC Bulletin 2005-34
Corporate Governance & Structure	02/23/2005	The letter (PDF) concludes that national bank directors may meet the qualifying shares requirement under 12 U.S.C. Section 72 by purchasing trust preferred stock. This is significant because it offers bank directors a new means of obtaining a financial stake in the bank in addition to purchasing bank stock.
		Top
Derivatives	03/27/2009	OCC Reports fourth quarter bank trading loss. News Release 2009-34, OCC's Quarterly Report on Bank Trading and Derivatives Activities (PDF 321KB)
Derivatives	03/09/2009	Senior Supervisors Group issues report on management of recent credit default swap credit events. News Release 2009-19, Observations on Management of Recent Credit Default Swap Credit Events (PDF 213KB)
Derivatives	07/09/2008	Deputy Comptroller for Credit and Market Risk Kathryn E. Dick discussed credit derivatives in testimony before the Subcommittee on Securities, Insurance, and Investment of the Senate Committee on Banking, Housing, and Urban Affairs. News Release 2008-79, Oral (PDF), Written (PDF)
Derivatives	07/03/2008	The Office of the Comptroller of the Currency reported the OCC's Quarterly Report on Bank Trading and Derivatives Activities. News Release 2008-74, OCC's Quarterly Report on Bank Trading and Derivatives Activities (PDF)
Derivatives	12/28/2007	Office of the Comptroller of the Currency reports the OCC's Quarterly Bank Trading Revenues of $2.3 billion. NR 2007-137, Quarterly Report on Bank Derivatives Activities (PDF)
Derivatives	09/28/2006	Insured commercial banks earned $4.7 billion trading cash instruments and derivative products in the second quarter of 2006, the Office of the Comptroller of the Currency reported in its quarterly Bank Derivatives Report. NR 2006-106, Bank Derivatives Report (PDF 334KB)
Derivatives	02/15/2006	The letter (PDF) concludes that the bank may engage in the transactions it proposes, where the bank's examiner-in-charge is satisfied that the bank has adequate risk management and measurement systems and controls.
Derivatives	09/15/2005	The letter (PDF) states that the Bank, with the approval of its examiner-in-charge, may engage in customer-driven, physically settled emissions derivative transactions and may enter into physical transactions in emission allowances to hedge its risk exposures to the emissions derivative transactions.
Derivatives	09/13/2005	The letter (PDF) concludes that the Bank may engage in customer-driven, perfectly matched, cash-settled derivative transactions provided the Bank's examiner-in-charge is satisfied that the Bank has adequate risk management and measurement systems and controls to conduct the activities on a safe and sound basis.
Derivatives	08/09/2005	The letter (PDF) responds that a Bank may use cash-settled derivatives linked to the S&P 500 Index to hedge the market risk associated with the fees it charges customers as part of its investment advisory activities, provided the trust company establishes, to the satisfaction of its supervisory office, an appropriate risk management and compliance process.
		Top
Derivatives	07/14/2005	The letter (PDF) confirms that the bank, with approval of its examiner-in-charge, may engage in customer-driven equity index derivatives transactions and may use baskets of securities to hedge its risk exposures to the index swaps where the baskets do not exactly match the underlying index, but are designed to replicate the sector and industry weightings and general risks of the index.
Derivatives	06/23/2005	The Comptroller of the Currency reported its quarterly Bank Derivatives Report. Derivatives held by U.S. commercial banks increased by $3.2 trillion in the first quarter of 2005, to $91.1 trillion. NR 2005-62
Derivatives	04/06/2005	This letter (PDF) concludes that the Bank may engage in electricity derivative transactions and hedges, settled in cash and by transitory title transfer, as part of, or incidental to, its existing financial intermediation business in energy-related commodities derivatives, provided the Bank has established an appropriate risk measurement and management process for these activities to which the EIC expresses no supervisory objection.
Disclosure	02/28/2005	The agencies are issuing this advisory to remind all banking organizations that, except in very limited circumstances, they are prohibited by law from disclosing their CAMELS rating and other nonpublic supervisory information to insurers as well as other non-related third parties without permission from their appropriate federal banking agency. Issue Advisory (PDF) OCC 2005-4 PDF ASCII
		Top
Enforcement Actions	06/19/2009	The Office of the Comptroller of the Currency (OCC) released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks. News Release 2009-68
Enforcement Actions	05/15/2009	The Office of the Comptroller of the Currency (OCC) today released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks. News Release 2009-51
Enforcement Actions	04/17/2009	The Office of the Comptroller of the Currency (OCC) today released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks. News Release 2009-40
Enforcement Actions	03/20/2009	The Office of the Comptroller of the Currency (OCC) today released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks. News Release 2009-27
Enforcement Actions	02/20/2009	The Office of the Comptroller of the Currency (OCC) released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks. Release 2009-10
Enforcement Actions	01/16/2009	The Office of the Comptroller of the Currency (OCC) today released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks. News Release 2009-3
Enforcement Actions	12/19/2008	The Office of the Comptroller of the Currency (OCC) released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks. News Release 2008-149, OCC Enforcement Actions
Enforcement Actions	11/21/2008	The Office of the Comptroller of the Currency (OCC) released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks. News Release 2008-138, OCC Enforcement Actions
Enforcement Actions	10/17/2008	The Office of the Comptroller of the Currency released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks. News Release 2008-123, Enforcement Actions
Enforcement Actions	08/12/2008	The Office of the Comptroller of the Currency (OCC) release new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks. News Release 2008-95, Enforcement Actions
Enforcement Actions	07/28/2008	The Office of the Comptroller of the Currency (OCC) released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks. NR 2008-89, Enforcement Actions
Enforcement Actions	06/16/2008	The Office of the Comptroller of the Currency (OCC) released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks. News Release 2008-69, OCC enforcement actions
Enforcement Actions	05/15/2008	The Office of the Comptroller of the Currency (OCC) released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks. News Release 2008-54, OCC enforcement actions
Enforcement Actions	03/17/2008	The Office of the Comptroller of the Currency (OCC) released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks. Release 2008-31
Enforcement Actions	02/21/2008	The Office of the Comptroller of the Currency (OCC) today released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks. News Release 2008-21, OCC Enforcement Actions
Enforcement Actions	01/14/2008	The Office of the Comptroller of the Currency (OCC) released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks. NR 2008-3, Enforcement Actions
Enforcement Actions	12/21/2007	The Office of the Comptroller of the Currency (OCC) released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks and terminations of existing enforcement actions. NR 2007-136, Enforcement Actions
Enforcement Actions	11/19/2007	The Office of the Comptroller of the Currency (OCC) released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks and terminations of existing enforcement actions. NR 2007-126, Enforcement Actions
Enforcement Actions	09/18/2007	The Office of the Comptroller of the Currency (OCC) released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks and terminations of existing enforcement actions. NR 2007-96, Enforcement Actions
Enforcement Actions	08/14/2007	The Office of the Comptroller of the Currency (OCC) released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks and terminations of existing enforcement actions. NR 2007-86, Enforcement Actions
Enforcement Actions	07/16/2007	The Office of the Comptroller of the Currency (OCC) released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks and terminations of existing enforcement actions. NR 2007-74, Enforcement Actions
Enforcement Actions	06/14/2007	The Office of the Comptroller of the Currency (OCC) released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks and terminations of existing enforcement actions. NR 2007-58, Enforcement Actions
Enforcement Actions	05/16/2007	The Office of the Comptroller of the Currency (OCC) released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks and terminations of existing enforcement actions. NR 2007-46, Enforcement Actions
Enforcement Actions	04/16/2007	The Office of the Comptroller of the Currency (OCC) today released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks and terminations of existing enforcement actions. NR 2007-39, Enforcement Actions
Enforcement Actions	03/19/2007	The Office of the Comptroller of the Currency (OCC) today released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks and terminations of existing enforcement actions. NR 2007-22, Enforcement Actions
Enforcement Actions	02/15/2007	The Office of the Comptroller of the Currency (OCC) today released new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks and terminations of existing enforcement actions. NR 2007-12, Enforcement Actions
Ethics	12/06/2005	The rule implements new post-employment restrictions for Comptroller of the Currency (OCC) senior examiners of national banks. Final Rule (PDF), OCC Bulletin 2005-41, ASCII
Ethics	11/17/2005	The federal bank and thrift regulatory agencies issued final rules to implement a special post-employment restriction on certain senior examiners employed by an agency or Federal Reserve Bank, as required by the Intelligence Reform and Terrorism Prevention Act of 2004. NR 2005-113, Final Rules (PDF)
Ethics	08/30/2005	Proposed rule (PDF) would prevent the senior examiner of a national bank from working for that bank for one year after leaving the OCC. OCC Bulletin 2005-30, ASCII, Comment on proposed rule
		Top
Ethics	08/04/2005	The federal banking regulatory agencies issued proposed rules to implement a special post-employment restriction on certain senior examiners employed by an agency or Federal Reserve Bank. NR 2005-76, proposed rule (PDF)
Federal Reserve Board	09/01/2005	The Federal Reserve Board published, in the August 9, 2005, Federal Register, 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. OCC Bulletin 2005-31, Requirements (PDF)
Fiduciary Activities	03/27/2008	The Office of the Comptroller of the Currency (OCC) is providing guidance to national banks on the annual review requirement contained in OCC fiduciary regulation 12 CFR 9.6(c). OCC Bulletin 2008-10
Investments	01/20/2006	The letter (PDF) concludes a national trust company may sponsor a closed-end investment fund that will be exempt from registration under the Investment Company Act of 1940. The letter also concludes that the fund's underlying portfolio consists of bank eligible investments, and the particular types of national banks proposed may purchase the described fund shares pursuant to 12 CFR 1.3(h)(2), subject to specific safe and sound banking practices and a 1% aggregate investment limitation. This involves a structured product with exposure to a tranched credit default swap index.
Investments	05/26/2005	The letter (PDF) concludes that national banks may continue to hold a separate account BOLI investment that in turn holds interests in instruments with characteristics of debt securities and a rate of return, a portion of which is linked to equity securities, provided the bank's EIC has no supervisory objection.
		Top
Investments	02/17/2005	The letter (PDF) concludes that fixed rate annuities purchased by a national bank are, in substance, debt obligations of the issuing insurance company. Accordingly, the letter states that the bank had authority to purchase the fixed rate annuities under its authority in 12 U.S.C. § 24(Seventh) to discount and negotiate evidences of debt, subject to certain conditions. The annuities must be fixed rate with no penalties or fees for early surrender of the policies. The bank also should establish internal concentration limits for its combined holdings of fixed rate annuities from all issuers. Finally, the bank is required to comply with Banking Circular 181(Rev.) and OCC Bulletin 2002-19.
Investments	01/07/2005	This letter (PDF) concludes that a national bank may buy and sell, for its own account, exchange-traded units of beneficial interest in gold, subject to demonstration that the bank has the appropriate risk management systems in place to conduct the activity in a safe and sound manner.
Lending	04/03/2009	The Office of the Comptroller of the Currency and the Office of Thrift Supervision jointly released their quarterly report on first lien mortgage performance for the fourth quarter of 2008. News Release 2009-37, Mortgage Metrics Report (PDF 358KB)
Lending	03/04/2009	Federal Financial Regulatory Agencies issue statement in support of the "Making Home Affordable" Loan Modification Program. News Release 2009-18, Financial Stability
Lending	02/19/2009	Final Rule for Home Ownership and Equity Protection Act amendments. OCC Bulletin 2009-7, Final Rule (PDF 841KB), Comments
Lending	02/13/2009	OCC and OTS expand data collection on mortgage performance. Release 2009-9, OCC-OTS Mortgage Metrics Data Dictionary (January 2009)
Lending	01/09/2009	The Board of Governors of the Federal Reserve System (the Board) published in the Federal Register a final rule amending the staff commentary that interprets the requirements of Regulation C. OCC Bulletin 2009-3, Final Rule (PDF), Comments
Lending	12/22/2008	The Office of the Comptroller of the Currency and the Office of Thrift Supervision issued their second report on mortgage performance showing continued increases in delinquencies and foreclosures in process. News Release 2008-150, Mortgage Metrics Report (PDF)
Lending	11/12/2008	The Office of the Comptroller of the Currency responded to a request that it approve a new workout program for troubled credit card borrowers. NR 2008-132
Lending	11/12/2008	The Department of the Treasury, the Federal Deposit Insurance Corporation, and the Federal Reserve have recently put into place several programs designed to promote financial stability and to mitigate procyclical effects of the current market conditions. NR 2008-131
Lending	09/12/2008	The Office of the Comptroller of the Currency and the Office of Thrift Supervision joined forces to issue a joint report on the performance of approximately 60 percent of all first lien mortgages outstanding in the United States. NR 2008-105, Mortgage Metrics Report (PDF)
Lending	07/28/2008	Statement of Comptroller of the Currency John C. Dugan on Enactment of Housing Legislation. News Release 2008-90
Lending	07/23/2008	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 Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 (Interstate Act). OCC Bulletin 2008-18, Host-state loan-to-deposit ratios (PDF)
Lending	07/16/2008	The Office of the Comptroller of the Currency will host a conference on statistical analysis and modeling for fair lending risk assessment. Release 2008-82, Conference
Lending	07/08/2008	Comptroller of the Currency John C. Dugan issued a Forum on Mortgage Lending for Low- and Moderate-Income Households sponsored by the Federal Deposit Insurance Corporation (FDIC). News Release 2008-78
Lending	06/26/2008	The Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency issued the host state loan-to-deposit ratios. News Release 2008-71, Loan-to-Deposit Ratios (PDF)
Lending	06/12/2008	The Office of the Comptroller of the Currency released its 14th annual Survey of Credit Underwriting Practices. News Release 2008-66
Lending	03/24/2008	The Office of the Comptroller of the Currency issued a interim final rule to add a provision to its part 32 lending limits regulation that will address temporary funding arrangements in emergency situations. OCC Bulletin 2008-8, interim final rule (PDF), Comment
Lending	03/03/2008	The Office of the Comptroller of the Currency issued a statement regarding the reporting of securitized subprime adjustable rate residential mortgages. News Release 2008-27
Lending	02/29/2008	The Office of the Comptroller of the Currency is requiring large national banks that service mortgages to provide comprehensive mortgage data on a monthly basis. News Release 2008-24
Lending	01/28/2008	Home Mortgage Disclosure Act. OCC 2008-1, Final Rule, (PDF) Comment
Lending	07/03/2007	The Office of the Comptroller of the Currency published in the Federal Register the attached interim final rule amending 12 CFR 32, which governs lending limits. OCC Bulletin 2007-22
Lending	02/16/2006	Comptroller of the Currency John C. Dugan issued the following statement following a meeting with representatives of the National Association of Realtors (NAR). NR 2006-20
Lending	01/25/2006	The letter (PDF) applies the lending limit pilot program's special limit for loans secured by a first-lien security interest in 1-4 family residential real estate to two loans to the same borrower. The letter finds that the special limit is applicable to both loans as the loans are secured by liens second to no other lien holder.
Lending	01/20/2006	The Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the Office of Thrift Supervision, and the National Credit Union Administration (agencies) are seeking comment on proposed guidance for concentrations in commercial real estate (CRE) lending and sound risk management practices. OCC Bulletin 2006-2, ASCII, Guidance (PDF), Comment
Lending	01/10/2006	The federal bank and thrift regulatory agencies issued for comment proposed guidance on sound risk management practices for concentrations in commercial real estate lending. NR 2006-2, Guidance (PDF)
Lending	11/30/2005	The letter (PDF) applies lending limit combination rules to three credit programs contemplated by a national bank, in which the bank would make loans, or make or buy leases, to independent contractors. The letter finds that each of the programs results in loan combinations under the lending limit. In addition, the second program involves partial attribution of leases to the seller under the lending limit's third-party paper rule.
		Top
Other Banking Activities	01/11/2006	The Comptroller issues a statement "correcting a fundamental misunderstanding of the effect of three recent OCC interpretive letters dealing with the ability of banks to hold real estate used for the banks' business and to provide financing involving an indirect interest in real estate. These letters were not intended to expand, and do not expand, the authority of national banks to hold real estate. They also do not represent an erosion of the separation of banking and commerce. And they have nothing to do with real estate brokerage or preemption." NR 2006-3
Other Banking Activities	09/28/2005	The letter (PDF) is regarding the proposed performance of escrow agent activities by the Bank.
Other Banking Activities	02/15/2005	The letter (PDF) approves, for the first time, national bank participation in a group self-insurance plan for workers' compensation claims. Please let me know if you have any questions.
		Top
Preemption	05/19/2005	Acting Comptroller of the Currency Julie L. Williams issues statement responding to New York Attorney General, Eliot Spitzer. NR 2005-52, Statement (PDF)
Preemption	01/14/2005	This letter advises counsel for the parties in a case pending in New Jersey state court that the OCC's real estate lending regulation and the National Bank Act do not preempt certain state laws when national banks purchase and hold loans as trustees for mortgage-backed securities. PDF
Regulations	05/27/2009	The OCC published technical corrections in the Federal Register which become effective immediately regarding the following rules: Affiliate Marketing; Identity Theft Red Flags; and Address Discrepancies. OCC Bulletin 2009-16, Corrections
Regulations	05/06/2009	Federal regulatory officials issue joint statement on the Treasury Capital Assistance Program and the Supervisory Capital Assessment Program. News Release 2009-47
Regulations	12/01/2008	The 2009 fee structure for national banks and federal branches and agencies. OCC Bulletin 2008-34 (PDF)
Regulations	11/13/2008	The federal bank, thrift and credit union regulatory agencies jointly issued for comment proposed Interagency Appraisal and Evaluation Guidelines that reaffirm supervisory expectations for sound real estate appraisal and evaluation practices. NR 2008-133, Interagency Appraisal and Evaluation (PDF), Guidelines (PDF)
Regulations	09/30/2008	Deduction of Goodwill net of associated deferred tax liability. OCC Bulletin 2008-25, Notice of Proposed Rulemaking (PDF), Comment
Regulations	09/19/2008	The Office of the Comptroller of the Currency announced it has approved for publication an interim final rule that would recognize the substantial protection from risk provided to national banks under the Federal Reserve System's NR 2008-110, Interim Final Rule (PDF), Comment
Regulations	04/24/2008	The Office of the Comptroller of the has issued a final rule to reduce unnecessary regulatory burden, update certain rules, and make certain technical, clarifying, and conforming changes to its regulations. OCC Bulletin 2008-11, Final rule, NR 2008-47, Comments
		Top
Regulations	11/14/2007	The federal financial institution regulatory agencies and the Federal Trade Commission (agencies) are issuing a final rulemaking titled "Identity Theft Red Flags and Address Discrepancies" OCC Bulletin 2007-45, Final Rulemaking (PDF)
Regulations	09/21/2007	Final Rules On Expanded Examination Cycle for Certain Institutions. News Release 2007-99, Comment
Regulations	09/19/2007	Request Comment On Proposed Statement of Best Practices On Garnishment Orders of Exempt Federal Benefit Funds. News Release 2007-97, Comment
Regulations	07/12/2007	The Office of the Comptroller of the Currency (OCC) is proposing to revise its rules in order to reduce unnecessary regulatory burden, to update certain rules, and to make certain technical, clarifying, and conforming changes to its regulations. OCC Bulletin 2007-23, Proposed Rule
Regulations	07/11/2007	The federal bank and thrift regulatory agencies have requested public comment on a series of new and revised interagency questions and answers on CRA NR 2007-70, Comment
Regulations	07/03/2007	The OCC has issued a proposed rule in the Federal Register to reduce unnecessary regulatory burden and update and change various OCC regulations. NR 2007-67, Proposed Rule, Comment
Regulations	04/03/2007	Federal regulators have requested public comment on proposed interim rules expanding the range of small institutions eligible for an extended 18-month on-site examination cycle. NR 2007-32, Proposed Interim Rule, Comment
Regulations	07/27/2006	The federal financial institution regulatory agencies and the Federal Trade Commission (agencies) are soliciting comments on the attached Notice of Proposed Rulemaking (NPRM) titled "Identity Theft Red Flags and Address Discrepancies" that was published in the Federal Register on July 18, 2006. NR 2006-81, Notice of Proposed Rulemaking (PDF 786KB), Comments
Regulations	04/13/2006	Fair and Accurate Credit Transactions Act, Section 312: Advance Notice of Proposed Rulemaking. OCC 2006-18, Proposed Rule
		Top
Regulations	03/01/2006	First Senior Deputy Comptroller and Chief Counsel, Julie L. Williams, of the Office of the Comptroller of the Currency, testified before the Senate Banking Committee on the subject of regulatory relief. NR 2006-25, Statement (PDF), Testimony (PDF 238KB)
Regulations	06/06/2005	The federal bank, thrift, and credit union regulatory agencies issued interim final rules under the Fair Credit Reporting Act (FCRA) that create exceptions to the statutory prohibition against obtaining or using medical information in connection with credit eligibility determinations. NR 2005-55, Final Rule (PDF)
Regulations	05/17/2005	Acting Comptroller of the Currency, Julie L. Williams, released a list of Community Reinvestment Act (CRA) performance evaluations that became public during the period of April 15, 2004 through May 14, 2005. NR 2005-51, CRA
Research & Reference	09/25/2007	Shared National Credit Results Reflect Large Increase In Credit Commitment Volume and Satisfactory Credit Quality. News Release 2007-102
Research and Reference	01/28/2005	Banking Agencies Announce Implementation of Web-Based Central Data Repository for Bank Financial Data - News Release 2005-8
Regulations	04/24/2008	The Office of the Comptroller of the has issued a final rule to reduce unnecessary regulatory burden, update certain rules, and make certain technical, clarifying, and conforming changes to its regulations. OCC Bulletin 2008-11, Final rule, NR 2008-47, Comments
Risk Management	01/14/2009	The Federal Financial Institutions Examination Council has issued guidance to a, "Risk Management of Remote Deposit Capture" (RDC). OCC Bulletin 2009-4, Guidance (PDF)
Risk Management	06/11/2008	The Comptroller of the Currency John C. Dugan unveils a new OCC Mortgage Metrics Report. Release 2008-65, Speech (PDF), OCC Mortgage Metrics Report (PDF)
Securities Activities	04/27/2005	This letter (PDF) concludes that the bank's proposed securities conduit lending services are legally permissible for a national bank. The bank proposes to act in the capacity of a "conduit lender" to provide additional return enhancements to its securities lending customers.
Securities Activities	10/29/2007	The Securities and Exchange Commission (SEC) and the Board of Governors of the Federal Reserve System (Board) jointly issued final rules that define the extent to which securities brokerage activities of banks are subject to SEC regulation. OCC Bulletin 2007-42, Final Rule (PDF 750KB), Rule Exemptions (PDF 153KB), Comments
Securities Activities	01/10/2005	This letter (PDF)concludes that it is legally permissible for national banks to become members of the Government Securities Division of the Fixed Income Clearing Corporation and participate in its loss allocation system.
		Top
Speeches and Testimony	05/27/2009	Statement of Comptroller of the Currency John C. Dugan following a tour of West and South Dallas. News Release 2009-56
Speeches and Testimony	05/22/2009	Comptroller of the Currency John C. Dugan's statement at the Federal Deposit Insurance Corporation meeting about a Final Rule on the Special Assessment. News Release 2009-54
Speeches and Testimony	05/07/2009	Comptroller of the Currency John C. Dugan issued the following statement on the results of the Supervisory Capital Assessment Program (SCAP). News Release 2009-48
Speeches and Testimony	03/20/2009	Comptroller of the Currency testifies on Enforcement Authority. News Release 2009-26, Testimony (PDF)
Speeches and Testimony	03/20/2009	OCC Deputy Comptroller for Community Affairs addresses the United States Commission on Civil Rights. News Release 2009-25, Statement (PDF)
Speeches and Testimony	03/19/2009	Comptroller of the Currency testifies on Financial Regulatory Reform. News Release 2009-24, Testimony (PDF), Oral Statement (PDF)
Speeches and Testimony	03/18/2009	OCC Senior Deputy Comptroller and Chief National Bank Examiner testifies on Risk Management. News Release 2009-23, Oral Statement (PDF), Written Testimony (PDF)
Speeches and Testimony	03/12/2009	OCC Deputy Comptroller testifies on Mark-to-Market Accounting. News Release 2009-22, Oral Statement (PDF), Written Testimony (PDF)
Speeches and Testimony	02/10/2009	Statement of Comptroller of the Currency John C. Dugan on the Administrations Financial Stability Plan. Release 2009-8
Speeches and Testimony	10/16/2008	OCC Deputy Comptroller for International Banking Supervision addresses the International Association of Insurance Supervisors NR 2008-122. Speech (PDF)
Speeches and Testimony	09/10/2008	Comptroller of the Currency John C. Dugan said that the present turmoil in credit markets should not distract bankers and lenders from the important priority of fair lending. NR 2008-103. Speech (PDF)
Speeches and Testimony	07/30/2008	Statement of Comptroller of the Currency John C. Dugan on Enactment of Housing Legislation. NR 2008-92
Speeches and Testimony	07/28/2008	Comptroller of the Currency John C. Dugan made the following statement at a press conference on mortgage finance sponsored by the Department of Treasury. NR 2008-90
Speeches and Testimony	07/07/2008	Comptroller Dugan Tells OCC Examiners that Agency Must Continue to Focus on Consumer Compliance. Release 2008-76, Remarks (PDF)
Speeches and Testimony	06/05/2008	Comptroller of the Currency John C. Dugan updated today the Committee on recent events in the financial markets and the condition of the national banking system. Release 2008-63, Oral Statement (PDF), Written Testimony (PDF)
Speeches and Testimony	05/22/2008	Comptroller Dugan tells lenders that unprecedented home equity loan loss. Release 2008-58, Speech (PDF)
Speeches and Testimony	04/17/2008	The Chief Counsel and First Senior Deputy Comptroller Julie L. Williams testified before the House Committee on Financial Services about the OCC's views on H.R. 5244, the Credit Cardholders' Bill of Rights of 2008. NR 2008-45, Speech (PDF), Testimony(PDF)
Speeches and Testimony	04/09/2008	The Comptroller of the Currency, John C. Dugan testified before the House Financial Services Committee on the draft FHA Housing Stabilization and Homeownership Retention Act of 2008. NR 2008-38, Testimony (PDF), Statement (PDF)
Speeches and Testimony	03/04/2008	Comptroller of the Currency John C. Dugan told a Senate Committee that while the banking system is fundamentally sound, it is being tested by large and unprecedented credit market disruptions plus the slowdown in the economy. News Release 2008-28, Summary, Testimony (PDF)
Speeches and Testimony	03/03/2008	Comptroller of the Currency John C. Dugan said that many national banks in the United States have indicated they will take advantage of the flexibility provided by the 36-month window for Basel II implementation provided in the final U.S. rule. NR 2008-26, Speech (PDF), Summary
Speeches and Testimony	02/14/2008	Comptroller of the Currency John C. Dugan issued the following statement responding to comments from New York Governor Eliot Spitzer. NR 2008-16
Speeches and Testimony	02/13/2008	Deputy Comptroller for Compliance Policy Ann F. Jaedicke discussed the Community Reinvestment Act in testimony before the House Committee on Financial Services. NR 2008-15, Statement (PDF), Testimony (PDF)
Speeches and Testimony	02/12/2008	Comptroller Dugan Urges Action to Help Communities Suffering from Effects of Mortgage Foreclosure Crisis NR 2008-14, Speech (PDF)
Speeches and Testimony	01/31/2008	Comptroller of the Currency addressed the Florida Bankers Association in Miami. NR 2008-9
Speeches and Testimony	12/06/2007	Comptroller of the Currency John C. Dugan issued the following statement at the Department of the Treasury press conference announcing a plan to assist a key segment of subprime borrowers to modify their mortgages and avoid foreclosures. NR 2007-132
Speeches and Testimony	12/06/2007	Comptroller Dugan testifies on accelerating loan modifications to help troubled borrowers. NR 2007-131, Statement (PDF), Summary
Speeches and Testimony	10/30/2007	OCC Chief of Staff Testifies Before House Oversight and Investigations Subcommittee. NR 2007-121, Testimony (PDF), Summary (PDF)
Speeches and Testimony	09/24/2007	Comptroller of the Currency John C. Dugan said that consumers should be given the opportunity to "opt out" of certain credit card rate increases and be given the alternative of paying off the card balance at the old rate. NR 2007-104
Speeches and Testimony	09/20/2007	OCC First Senior Deputy Comptroller and Chief Counsel Testifies Before Senate Committee About the Hardships Created By Garnishment of Federal Benefits. NR 2007-98
Speeches and Testimony	09/05/2007	Comptroller of the Currency John C. Dugan told a House committee that despite challenging conditions in mortgage and credit markets, the national banking system remains safe and sound. NR 2007-93, Testimony (PDF)
Speeches and Testimony	07/11/2007	Chief Counsel and First Senior Deputy Comptroller Julie L. Williams discussed the Supreme Court's decision in Watters v. Wachovia Bank in a speech to the New York Bankers Association. NR 2007-72
Speeches and Testimony	07/11/2007	Comptroller of the Currency John C. Dugan issued the following statement addressing interagency questions and answers on the Community Reinvestment Act. NR 2007-71
Speeches and Testimony	06/07/2007	Comptroller John C. Dugan, testified before the House Subcommittee on Financial Services and Consumer Credit, chaired by Congresswoman Maloney, on the effectiveness of credit card disclosures and related issues. NR 2007-54, Testimony (PDF)
Speeches and Testimony	04/17/2007	Watters vs. Wachovia Bank case, the Supreme Court held that federal preemption standards applicable to national banks extend to activities conducted through their operating subsidiaries. NR 2007-40, Supreme Court Decision (PDF)
Speeches and Testimony	09/27/2006	First Senior Deputy Comptroller and Chief Counsel Julie L. Williams discussed three interpretive letters issued by the OCC in December 2005 in testimony before the Subcommittee on Government Management, Finance, and Accountability of the House Committee on Government Reform. NR 2006-105, Statement (PDF), Testimony (PDF)
Speeches & Testimonies	09/26/2006	Comptroller Dugan Tells Senate Panel that Basel II Capital Framework Will Substantially Improve Large Bank Risk Management and Controls NR 2006-104, Testimony (PDF), Statement (PDF)
Speeches and Testimony	09/26/2005	Comptroller of the Currency John C. Dugan said in a speech that both consumers and banks have benefited from the long fight to shed outdated laws and regulations, and he expressed pride in the role he played in those efforts. NR-2005-95, Remarks (PDF)
Speeches and Testimony	09/23/2005	Chief Counsel and First Deputy Comptroller Julie L. Williams testified before House Committee on Financial Services on Regulatory Relief and support to Katrina Recovery Efforts. Statement (PDF), Testimony (PDF)
Speeches and Testimony	07/14/2005	Acting Comptroller of the Currency, Julie L. Williams noted recent developments in federal/state jurisdiction over national banks and discussed how those developments relate to the history and characteristics of the national banking system and the bank supervisory process. NR 2005-68
Speeches and Testimony	06/21/2005	Acting Comptroller of the Currency, Julie L. Williams Supports Regulatory Burden Relief Legislation; Urges New Approach to Consumer Disclosure Requirements to Reduce Regulatory Burden and Deliver Information Consumers Understand. NR 2005-60, Statement (PDF)
Speeches and Testimony	06/09/2005	Acting Comptroller of the Currency, Julie L. Williams, told a House subcommittee "that consumer disclosure requirements present an opportunity to reduce regulatory burden while improving the quality of information provided to consumers". NR 2005-57, Statement (PDF)
Speeches  and Testimony	05/27/2005	Acting Comptroller of the Currency, Julie L. Williams spoke before an OCC Bankers Outreach Meeting Chicago, Illinois on the eve of the Memorial Day weekend, a traditional time to count the blessings of our free society and pay tribute to those who fought to preserve and protect it. NR 2005-53, Remarks (PDF)
Speeches and Testimony	03/11/2005	Acting Comptroller of Currency Julie L. Williams addressed the Independent Community Bankers of America San Antonio, Texas about Bankers Regulatory Burden Relief of how it should be a national priority. NR 2005-29, Speech (PDF)
		Top