OCC: Legal and Regulatory - White Papers, Studies, Speeches & Testimonies

Banking Industry
Capital
Community Development
Compliance, Bank Secrecy Act/Anti-Laundering
Compliance, Consumer
Corporate Governance & Structure
Derivatives
Lending
Preemption
Regulations
Research and Reference
Special Examination Authority
Speeches and Testimony

Topic	Date	Item
Banking Industry	12/03/2004	Acting Comptroller of the Currency Julie L. Williams addressed the Bank Administration Institute's "Roundtable for CFOs" in New York - NR 2004-107 Speech (PDF)
Capital	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)
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	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. NR 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	03/14/2005	Acting Comptroller of the Currency Julie L. Williams addressed Implementation of Basel Capital Accord at the annual Washington conference of the Institute of International Bankers. Speech (PDF)
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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, Bank Secrecy Act/Anti-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)
Compliance, Bank Secrecy Act/Anti-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)
Compliance, Bank Secrecy Act/Anti-Laundering	02/10/2005	Acting Chief Counsel Addresses Bank Secrecy Act and Anti-Money Laundering Compliance - NR 2005-13 Speech (PDF)
Compliance, Bank Secrecy Act/Anti-Laundering	06/03/2004	Comptroller Hawke Directs Review of Agency's Handling Of Bank Secrecy Act Compliance at Riggs Bank N.A. - NR 2004-43 Testimony (PDF) Oral Statement (PDF)
Compliance, Bank Secrecy Act/Anti-Laundering	06/02/2004	OCC Testifies on Challenges Faced in Combating Money Laundering - NR 2004-42 Testimony (PDF) Oral Statement (PDF)
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)
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 two consumer protection issues, that national bank preemption has created "regulatory gap" in consumer protection; and, second, negative amortization and its increasing prominence in retail credit products. NR 2005-117, Speech (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	01/12/2005	Acting Comptroller Williams Urges New Approach to Disclosures To Enhance Consumer Protection - NR 2005-1 Speech (PDF)
Compliance, Consumer	06/15/2004	OCC Chief Counsel Julie L. Williams Calls For Greater Cooperation to Combat Predatory Lending before the annual meeting of the Cleveland Neighborhood Housing Services (NHS) - NR 2004-46 Speech (PDF)
Corporate Governance & Structure	09/2003	Today's Credit Markets, Relationship Banking, and Tying (PDF)
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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)
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
Preemption	04/07/2004	Comptroller of the Currency John D. Hawke, Jr. Tells Senate Panel of Overarching Considerations for Preemption and Visitorial Powers Rules - NR 2004-28 Testimony (PDF) Oral Statement (PDF)
Preemption	04/01/2004	Comptroller of the Currency John D. Hawke, Jr. Tells House Panel National Banks Are in Sound Condition - NR 2004-26 Testimony (PDF) Oral Statement (PDF)
Preemption	03/29/2004	First Senior Deputy Comptroller Julie L. Williams Sets the Record Straight Regarding Nature, Consequences of OCCs Recent Preemption Regulations - NR 2004-25 Sets the Record Straight Speech (PDF)
Preemption	03/09/2004	Chief Counsel Julie L. Williams' speech to America's Community Bankers discussed misunderstandings and mischaracterizations of OCC's preemption rule (PDF)
Preemption	02/12/2004	Chief Counsel Julie L. Williams' Speech to Annual Legal Conference of Independent Bankers Association of Texas & Texas Savings and Community Bankers Association (PDF)
Preemption	12/05/2003	Chief Counsel Julie L. Williams' Speech to Consumer Federation of America (PDF)
Preemption	10/23/2003	National Banks and the Dual Banking System (PDF)
Preemption	09/09/2003	Comptroller of the Currency John D. Hawke, Jr.'s Speech to Women in Housing and Finance on September 9, 2003
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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)
Regulations	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)
Regulations	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)
Regulations	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)
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Regulations	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)
Regulations	06/22/2004	OCC Chief Counsel Julie L. Williams Tells Senate Banking Committee That Unnecessary Regulatory Burden Hurts Both Banks and Consumers - NR 2004-50 Testimony (PDF)
Research and Reference	04/20/2004	Comptroller of the Currency John D. Hawke, Jr. Tells Senate Banking Committee That National Banking System is in Strong Condition - NR 2004-30 Testimony (PDF) Oral Statement (PDF)
Special Examination Authority	2005	Acting Comptroller Williams Issues Statement Regarding FDIC Proposal to Expand Special Examination Authority - NR 2005-4 Speech (PDF)
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Legal and Regulatory: White Papers, Studies, Speeches & Testimonies

Legal and Regulatory:
White Papers, Studies, Speeches & Testimonies