Skip to main content
Careers
Quick Access
Most Requested
Bank Secrecy Act (BSA)
Contact Us
Community Reinvestment Act (CRA)
Comptroller's Handbook
Corporate Application Search
Enforcement Action Search
Financial Institution Lists
Newsroom
Third-Party Relationships: Risk Management Guidance
More OCC Websites
BankNet.gov
Find resources for bankers.
HelpWithMyBank.gov
Get answers to banking questions.
Careers.occ.gov
Join one of the best places to work.
Search
Top Searches
COVID-19
Annual Report
Enforcement Actions
Jobs
Comptroller's Handbook
More Search Tools
Institution Search
Central Application Tracking System (CATS)
CRA Evaluation Search
Corporate Application Search (CAS)
Enforcement Actions Search
Office of Thrift Supervision Archive Search
Office of the Comptroller of the Currency
About
About Overview
Who We Are
Comptroller
Leadership
Organization
Locations
History
Careers at OCC
What We Do
Annual Report
Key Data & Statistics
Strategic Plan
Connect With Us
Contact the OCC
District & Field Offices
Media Resources
Doing Business With the OCC
Freedom of Information Act (FOIA)
OCC Outreach
Public Comments
OCC Alumni
Whistleblower Protections
News & Events
News & Events Overview
Newsroom
News Releases
Bulletins
Alerts
Speeches
Congressional Testimonies
Advisory Letters
News & Issuances By Year
Events
Digital Media Library
Media Resources
News & Issuance Archive
Consumer Advisories
Public Service Announcements
Rescinded Issuances
Publications & Resources
Publications & Resources Overview
Publications
Comptroller's Handbook
Comptroller's Licensing Manual
Mortgage Metrics Report
Semiannual Risk Perspective
All Publications
Tools
BankNet
Corporate Applications Search (CAS)
OCC Financial Institution Search
All Tools
Forms
Dodd-Frank Act Stress Test
Licensing Filing Forms
Suspicious Activity Report (SAR) Program
All Forms
Information For...
Bankers and Bank Directors
Bank Customers
Media Representatives
Job Seekers
OCC Alumni
Topics
Topics Overview
Supervision & Examination
Bank Management
Bank Operations
Bank Secrecy Act (BSA)
Capital
Capital Markets
Climate
Community Reinvestment Act (CRA)
Consumer Compliance
Credit
Digital Assets
Dispute Resolution
Examinations
International Banking
Innovation
Economics
On Point
Economic Snapshot Reports
OCC Working Papers
Regulatory Impact Analysis Memos
Moments in History
Meet Our Research Economists
Laws & Regulations
OCC Regulations
Enforcement Actions
Interpretations & Precedents
Legislation of Interest
Litigation
Charters & Licensing
Comptroller's Licensing Manual
Financial Institution Lists
Corporate Application Search (CAS)
Weekly Bulletin
Interpretations & Actions
Licensing Filing Forms
Public Comments on Applications
Consumers & Communities
Community Affairs
Community Reinvestment Act (CRA)
Consumer Protection
Financial Literacy
Minority Outreach
Project REACh
Public Bank Information
News & Events
Newsroom
News & Issuances By Year
Events
Digital Media Library
Media Resources
News & Issuance Archive
Home
News & Events
Newsroom
News & Issuances By Year
Advisory Letters
1999 Advisory Letters
Share This Page:
Date
Title
05/03/1999
AL 1999-4, Leveraged Lending
Menu
About
Who We Are
Comptroller
Leadership
Organization
Bank Supervision Policy
Chief Counsel's Office
Large Bank Supervision
Midsize and Community Bank Supervision
Office of Climate Risk
Office of Enterprise Governance and the Ombudsman
Office of Innovation
Office of Management / CFO
Office of Minority Women and Inclusion
Office of Public Affairs
Supervision Risk and Analysis
Locations
Central District
Large Bank Supervision Locations
Midsize & Trust Bank Supervision Locations
Northeastern District
Southern District
Western District
History
Founding of the OCC & the National Banking System
Hugh McCulloch: OCC's First Comptroller
Moments in History
1863-1865
1866-1913
1914-1935
1936-1966
1967-2007
2008-Present
Previous Comptrollers
Careers at OCC
What We Do
Annual Report
Key Data & Statistics
Connect With Us
Contact the OCC
District & Field Offices
Media Resources
Doing Business With the OCC
Freedom of Information Act (FOIA)
OCC Outreach
Public Comments
OCC Alumni
Whistleblower Protections
Policies
News & Events
Newsroom
News Releases
Bulletins
Alerts
Speeches
Congressional Testimonies
Advisory Letters
News & Issuances By Year
News Releases
Bulletins
Alerts
Speeches
Congressional Testimony
Advisory Letters
OTS Issuances
Events
Digital Media Library
Media Resources
News & Issuance Archive
Consumer Advisories
Public Service Announcements
Rescinded Issuances
Publications & Resources
Publications
Tools
BankNet
Corporate Applications Search (CAS)
OCC Financial Institution Search
All Tools
Forms
Dodd-Frank Act Stress Test
Licensing Filing Forms
Suspicious Activity Report (SAR) Program
All Forms
Information For...
Bankers and Bank Directors
Community Bank Director Workshops
Bank Customers
Media Representatives
Job Seekers
OCC Alumni
Topics
Supervision & Examination
Bank Management
Community Banks
Minority Depository Institutions
Mutual Savings Associations
Bank Operations
Accounting
Allowances for Loan and Lease Losses (ALLL)
Current Expected Credit Losses (CECL) Methodology
Bank Information Technology (BIT)
Financial Crime
Counterfeit or Stolen Instruments
Identity Theft
Money Laundering
Suspicious Activity Reports (SAR)
Unauthorized Banking
Major Disaster News Center
COVID-19 (Coronavirus)
Bank Secrecy Act (BSA)
BSA/AML Examinations
BSA & Related Regulations
BSA Law Enforcement Tools & Resources
BSA/AML Bulletins, FinCEN Advisories, & Related BASEL Information
BSA/AML Innovative Industry Approaches & Other Related Links
Counter-Terrorist Financing
Money Laundering
Suspicious Activity Reports (SAR)
Links to Other Organizations’ BSA Information
Capital
Capital Markets
Asset Management
Collective Investment Funds
Conflicts of Interest
Corporate Trust
Custody Services
Employee Benefits and Retirement Plan Services
GLBA/Reg R/Retail Nondeposit Investment Sales
Personal Fiduciary Services
Traditional and Alternative Investment Management Services
Trust Operations
Balance Sheet Management
Bank-owned Life Insurance (BOLI)
Interest Rate Risk
Investment Securities
Liquidity
Financial Markets
Counterparty Risk
Derivatives
Securitization
Trading/Volcker Rule
Climate
Community Reinvestment Act (CRA)
Consumer Compliance
Credit
Commercial Credit
Retail Credit
Digital Assets
Dispute Resolution
Bank Appeals
Bank Appeal Summaries
Consumer Complaints
Examinations
Assessments & Fees
Examinations Overview
International Banking
International Banking Supervision
Foreign Technical Assistance Program
Innovation
Economics
On Point
Economic Snapshot Reports
OCC Working Papers
Regulatory Impact Analysis Memos
Moments in History
Meet Our Research Economists
Laws & Regulations
OCC Regulations
Final Issuances
Proposed Issuances
Enforcement Actions
Enforcement Action Types
Enforcement Actions Search Tool
Interpretations & Precedents
Advisory Letters
Bulletins
Comptroller's Licensing Manual
Interpretations and Actions
Legal Opinions Regarding Federal Savings Associations
Legislation of Interest
Litigation
Charters & Licensing
Comptroller's Licensing Manual
Financial Institution Lists
Corporate Application Search (CAS)
Weekly Bulletin
Interpretations & Actions
Licensing Filing Forms
Public Comments on Applications
Consumers & Communities
Community Affairs
Community Affairs Outreach
Publications
Resource Directories
Banking the Underbanked
CDFI and CD Banking
Financial Literacy
Multifamily Rental
Native American Banking
Public Welfare Investments
Rural Economic Development
Small Business
Tax Credits
Videos
Community Reinvestment Act (CRA)
CRA Exam Schedule
CRA Performance Evaluations
CRA Qualifying Activities Confirmation Request
Consumer Protection
Credit Cards, Debit Cards, And Gift Cards
Credit Reporting
Depository Services
Fair Lending
Flood Disaster Protection
Foreclosure Prevention
Fraud Resources
Mortgages
Payday Lending
Privacy
Servicemembers' Civil Relief Act
Truth In Lending
Financial Literacy
Minority Outreach
Project REACh
Public Bank Information
