Topics

The OCC supervises and examines national banks and federal savings associations to ensure they operate safely and soundly; writes regulations; charters, licenses, and takes enforcement action against banks; and ensures fair treatment of bank customers.

Topics

The OCC supervises and examines national banks and federal savings associations to ensure they operate safely and soundly; writes regulations; charters, licenses, and takes enforcement action against banks; and ensures fair treatment of bank customers.

Topics

The OCC supervises and examines national banks and federal savings associations to ensure they operate safely and soundly; writes regulations; charters, licenses, and takes enforcement action against banks; and ensures fair treatment of bank customers.

Supervision & Examination

Supervision & Examination

  • The OCC provides high-quality, fair, and balanced supervision to its chartered banks.
  • Our well-trained examiners conduct on-site reviews of banks and provide ongoing supervision of the banks' operations.
  • Examiners meet with bank management and the bank's board of directors throughout the supervisory cycle to obtain information or discuss issues.
  • The "Bank Supervision Process" booklet of the Comptroller's Handbook describes our risk-based approach to bank examinations and details virtually all aspects of bank supervision.
Regulations & Enforcement

Regulations & Enforcement

  • The OCC is the primary regulator of banks chartered under the National Bank Act and federal savings associations chartered under the Home Owners' Loan Act.
  • The OCC issues rules and regulations that govern the banks it supervises.
  • The agency takes supervisory actions against banks that do not comply with these statutes or that otherwise engage in risky practices.
  • The "Supervisory Actions" section of the "Bank Supervision Process" booklet of the Comptroller's Handbook outlines the actions that the OCC may take.
Charters & Licensing

Charters & Licensing

  • Financial institutions follow an in-depth application process to be chartered as an OCC-supervised bank.
  • Chartered banks apply to the OCC to make substantial changes to their activities or structure.
  • The OCC evaluates the applications to make sure banks' corporate structures are established and maintained in accordance with the principles of a safe and sound banking system.
  • Our licensing department works closely with the agency's supervisory and legal divisions to render independent decisions regarding applications.
Consumers & Communities

Consumers & Communities

  • Ensuring fair access and equal treatment to bank customers is a fundamental part of the OCC's mission.
  • The OCC strives for a vibrant and diverse banking system that benefits all consumers, communities, businesses, and the U.S. economy.
  • OCC examiners make sure banks comply with consumer banking laws.
  • The OCC operates HelpWithMyBank, a website that assists bank customers with common banking questions and lets them file complaints against a national bank or federal savings association.

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