Credit Card Lending

The credit card is one of the most universally accepted and convenient payment methods, used by millions of consumers and merchants worldwide as a routine means of payment for a variety of products and services. The Credit Card Lending Handbook discusses the operations of banks that issue credit cards, risks associated with credit card lending, sound risk management practices, and regulatory requirements.

Handbooks

Date	Title	Version
04/29/2021	Comptroller's Handbook: Credit Card Lending	April 2021
05/23/2018	Comptroller's Handbook: Retail Lending	May 2018

Bulletins

Date	ID	Title
02/16/2000	OCC 2000-3	Consumer Credit Reporting Practices: FFIEC Advisory Letter
06/20/2000	OCC 2000-20	Uniform Retail Credit Classification and Account Management Policy: Policy Implementation
01/08/2003	OCC 2003-1	Credit Card Lending: Account Management and Loss Allowance Guidance
08/14/2006	OCC 2006-34	Gift Card Disclosures: Guidance on Disclosure and Marketing Issues
10/30/2013	OCC 2013-29	Third-Party Relationships: Risk Management Guidance
01/24/2017	OCC 2017-7	Third-Party Relationships: Supplemental Examination Procedures

Consumer Advisories

Date	ID	Title
06/01/2011	CA 2011-2	Avoiding ′Card Skimming′ at ATMs and Other Money Machines
10/03/2011	CA 2011-3	Gift Cards: OCC Provides Tips for Consumers