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To: Chief Executive Officers of All National Banks, Federal Savings Associations, and Federal Branches of Foreign Banks; Department and Division Heads; All Examining Personnel; and Other Interested Parties

Description: Foreword Booklet and Refreshed Risk Definitions

As part of phase II of its ongoing implementation of title III of the Dodd–Frank Wall Street Reform and Consumer Protection Act of 2010,  the Office of the Comptroller of the Currency (OCC) is updating the Comptroller’s Handbook by periodically issuing new or revised booklets on various topics. These updates reflect changes to laws, regulations, and supervisory policy, including any changes resulting from the integration of national bank and federal savings association rules. The “Table of Booklet Title Changes” is designed to assist you during the update period by cross-referencing planned booklet titles to previously published booklet titles. Please note that former Office of Thrift Supervision (OTS) policies and guidance remain applicable to federal savings associations until rescinded, superseded, or revised.

The booklet issued today, “Foreword,” describes the organization and format of the updated Comptroller’s Handbook and lists the titles of booklets that will compose the handbook. The “Foreword” booklet replaces the “Introduction” booklet, dated July 1994. Comptroller’s Handbook booklets continue to be available on the OCC Web site.

Additionally, the OCC has refreshed some definitions of terms used in its supervision by risk program, including the eight risk categories in its risk assessment system. While these terms’ core meanings have not changed, the construction of the definitions has been improved and relevant industry terminology and assessment factors have been added. These refreshed definitions have been incorporated into the existing “Bank Supervision Process,” “Large Bank Supervision,” and “Community Bank Supervision” booklets. No other content has been updated in these booklets at this time. Each updated paragraph in these booklets now includes the date when it was last updated. Related content will be revised in other Comptroller’s Handbook booklets as they are published.

Further Information

Questions and comments regarding the “Foreword” booklet and the refreshed definitions should be directed to Thomas Ramsey, NBE and Core Policy Analyst, at (202) 649-6967 or (202) 649-6550.


John C. Lyons Jr.
Senior Deputy Comptroller and Chief National Bank Examiner

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