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OCC Bulletin 2013-30 | November 6, 2013

Qualified Thrift Lender: Comptroller's Handbook Revisions and Rescissions


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


The Office of the Comptroller of the Currency (OCC) issued today the "Qualified Thrift Lender" booklet, which is new to the Comptroller's Handbook. This booklet rescinds section 270, "Qualified Thrift Lending Test," issued June 2002 as part of the Office of Thrift Supervision's Examination Handbook.

According to section 10(m) of the Home Owners' Loan Act (HOLA), a federal savings association is required to be a qualified thrift lender (QTL).


  • Significant revisions to this booklet are statutory in nature and include new language pursuant to the Dodd–Frank Wall Street Reform and Consumer Protection Act regarding QTL failure and the violation of HOLA section 5 and additional limitations in the payment of dividends.
  • This booklet includes new language from HOLA section 5(r) stating that a federal savings association generally must be a QTL to have a branch outside the state in which the federal savings association has its home office.
  • New to this booklet are a discussion of risks that might be associated with QTL; a section on the reporting of QTL and Domestic Building and Loan Association test results in the call report; and examination procedures to ensure consistency with the OCC's supervision-by-risk approach.

Note for Community Banks

The "Qualified Thrift Lender" booklet provides guidance and examination procedures used in the supervision of federal savings associations. This booklet does not apply to national banks.

For further information, contact John Eckert, Director, Operational Risk and Core Policy at (202) 649-7163 or, or (202) 649-6550.

John C. Lyons Jr.

Senior Deputy Comptroller and Chief National Bank Examiner

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