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OCC Bulletin 2013-34 | November 20, 2013

OTS Policy Integration: Rescission of Office of Thrift Supervision Compliance Documents


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


As part of its ongoing implementation of title III of the Dodd–Frank Wall Street Reform and Consumer Protection Act of 2010, and as outlined in OCC Bulletin 2011-47, “OTS Integration: Supervisory Policy Integration Process,”1 the Office of the Comptroller of the Currency (OCC) is rescinding2 the Office of Thrift Supervision (OTS) compliance documents listed in appendix A. The OCC is also applying policy guidance listed in appendix B to federal savings associations (FSA) in cases where policy guidance did not already exist. OTS policies and guidance related to the Fair Credit Reporting Act, the Community Reinvestment Act, unfair and deceptive acts and practices, and mortgage regulations will be addressed at a later date.


  • Continues the OCC’s effort to produce one common set of supervisory policies that applies to both national banks and FSAs, while recognizing differences anchored in statute.
  • Explains why each document is being rescinded and, where applicable, references the prevailing OCC document. Applies OCC policy guidance to FSAs where it did not already exist. Rescission reasons:
    • Outdated: The document is no longer needed. Any attachments to the document are rescinded only as they relate to national banks and FSAs.
    • Duplicative: The document transmitted interagency guidance that was issued jointly with the OCC. The rescission applies to the transmitting document only and not to the attached interagency guidance. FSAs are directed to use the OCC-issued document.
    • Conveyance: The document is a cover letter that merely conveyed another document. The rescission does not change the applicability of the conveyed document. To determine the applicability of the conveyed document, please refer to the original issuer of the document.
    • Replaced: The document and any attachments are superseded by OCC guidance that is immediately applicable to FSAs. However, FSAs have 90 days after the date of issuance of this bulletin to ensure compliance with OCC guidance.

Note for Community Banks

These changes in policy guidance are applicable to all OCC-supervised FSAs.

Further Information

Please direct any questions to Kimberly Hebb, Director for Compliance Policy, or Eric Gott, Compliance Policy Specialist, at (202) 649-5470.

Grovetta N. Gardineer
Deputy Comptroller for Compliance Policy

Related Links

 1 OCC Bulletin 2011-47, “OTS Integration: Supervisory Policy Integration Process,” outlines the process that the OCC intends to follow to fully integrate the OTS policy guidance documents into a common set of supervisory policies that apply to both national banks and FSAs.

 2 These rescissions apply only to the documents as they relate to national banks and FSAs. With respect to the application of these documents to state savings associations or savings and loan holding companies, contact the Federal Deposit Insurance Corporation or the Board of Governors of the Federal Reserve System, the respective regulators of these institutions.