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OCC Publications

SBA's Certified Development Company/504 Loan Program: Small Businesses' Window to Wall Street (PDF) (December 2018)
Provides an overview of the SBA's 504 Loan Program, which is used to finance long-term assets, such as owner-occupied commercial real estate and heavy machinery, at competitive rates.

Bankers' Guide to the SBA 7(a) Loan Guaranty Program (December 2014)
This updated report describes how lenders can use the SBA 7(a) program to meet the needs of a variety of creditworthy small business customers.

Small Business Investment Companies: An Investment Option for Banks (PDF) (September 2015) - Describes the Small Business Investment Company (SBIC), how banks can use SBICs to expand their small-business finance activities, and what risks and regulatory considerations are involved.

Financing Business Development and Expansion in Rural America (November 2013)
This issue focuses on initiatives that have allowed banks to expand their financing for small business development in rural areas across America.

Extending Credit in Indian Country (August 2013) 
This issue highlights some best practices, challenges, and Community Reinvestment Act treatment of investments, service, and credit extension made by national banks and federal savings associations in Indian Country.

Commercial Lending in Indian Country: Potential Opportunities in an Untapped Market (February 2016) (PDF) is an OCC Community Developments Insights report that discusses the specific approaches that bankers active in this market have used to accommodate some of the unique business and legal challenges, including the use of several federal programs that are available to manage the risks in tribal commercial and business development.

New Markets Tax Credits: Unlocking Investment Potential, (PDF) Community Developments Insights Report (June 2013)
This publication examines the primary risks, benefits, and regulatory considerations associated with New Market Tax Credits (NMTCs). The report also discusses the ways in which bank investors have structured and managed these credits effectively. Banks have been active participants in the NMTC program because of the ability to generate competitive economic returns, and the opportunities they present for positive CRA consideration.

Strategies for Leveraging the State Small Business Credit Initiative (February 2013) - This issue explores how banks can use the SSBCI Program to help meet the needs of small business borrowers.

Renewing Economic Growth: Small Business Jobs Act of 2010 (June 2011) - This issue explores three main features of the Small Business Jobs Act of 2010, describing the programs and provisions and explaining their requirements.

SBA's and Export-Import Bank's Working Capital Loan Guarantee Programs (April 2011) Presents two federal loan guarantee programs that help lenders and business borrowers finance the export of goods and services.

Growing Markets with Bank-Owned Community Development Corporations (Winter 2004/2005)
Provides a guide for creating and managing bank subsidiary community development corporations and includes case studies

Advisory Letter on Capital Access for Minority-Owned Businesses - This is an updated version of the original advisory letter, released in 1998, and identifies activities and practices that assist national banks in supporting the financing needs of minority-owned businesses.

Fact Sheets


Small Business Investment Companies: An Investment Option for Banks – On February 15, 2012, the OCC held a teleseminar that focused on the Small Business Investment Company (SBIC) program supported by the Small Business Administration (SBA). The teleseminar program included information on how SBICs operate, their past performance and risk considerations, as well as how banks may receive CRA consideration for their SBIC investments.

How Community Banks Can Finance Small Business Exporters – On October 13, 2010 the OCC held a teleseminar that focused on the Export-Import Bank (Ex-Im Bank) Working Capital Guarantee Program and the Small Business Administration (SBA) Export Working Capital Program. In support of the National Export Initiative and in order to educate community bankers about these programs to support small business exporters, the OCC brought together experts from the Ex-Im Bank and the SBA and the CEO of a community bank that uses both programs to provide listeners with additional information on how the programs operate.

SBA Lending Programs and the American Recovery and Reinvestment Act of 2009 - On September 21, 2009, the OCC held a teleseminar that focused on changes to SBA lending programs resulting from the Recovery Act. These loan programs represent opportunities for banks to provide long-term financing to small business customers. The panelists included Grady B. Hedgespeth, Director, Financial Assistance, SBA; Pat Thomson, President, Growth America Fund, National Development Council; and Barry Wides, Deputy Comptroller for OCC Community Affairs.

SBA 504 CDC Loan Program – On January 31, 2007, the OCC held a teleseminar that focused on the SBA 504 CDC Loan Program. As a follow-up to the OCC's release of the SBA 504 Loan Program: Small Businesses' Window to Wall Street Insights report, the agency brought together 504 practitioners and an examiner to provide interested listeners with additional information on how the program operates.

OCC's Rural Development - On September 25, 2003 the OCC held a teleseminar on financing rural development. Included presentations by Julie Cripe, President and COO, OMNIBANK, N.A., Texas, William Glover, Assistant Deputy Comptroller, OCC and Karen Tucker, Senior Compliance Specialist, OCC.