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OCC Bulletin 2021-34 | August 5, 2021

Small Business Administration Lending: Risk Management Principles


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


The Office of the Comptroller of the Currency (OCC) is issuing this bulletin to inform banks1 and examiners about sound risk management principles associated with engaging in U.S. Small Business Administration (SBA) guaranteed lending programs. A bank’s SBA lending activities, including purchasing investments backed by SBA-guaranteed loans, should be consistent with the bank’s overall business plans, strategies, risk appetite, and sound risk management.

Note for Community Banks

This bulletin applies to community banks engaged in SBA lending activities.


The attachment to this bulletin discusses

  • background information about SBA lending programs.
  • risks associated with SBA lending activities.
  • SBA lending risk management principles.

Further Information

Please contact David H. Ni, Bank Examiner and Risk Specialist, or James M. Calhoun, Commercial Credit Technical Expert, Commercial Credit Risk Division, at (202) 649-6670.


Grovetta N. Gardineer
Senior Deputy Comptroller for Bank Supervision Policy

Related Link

1 "Banks" refers collectively to national banks, federal savings associations, and federal branches and agencies of foreign banking organizations.