Examination Procedures and Booklets

The OCC publishes handbooks and examination procedures based on safe and sound banking practices and applicable legislation and implementing rules. National bank examiners refer to these resources, which the OCC updates as necessary to reflect changes in the banking environment, amendments to existing regulations and rules, or the enactment of new legislation.

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Asset Securitization (Comptroller's Handbook, November 1997)
Covers using the securities markets to fund portions of a the loan portfolio to allocate capital more efficiently and better manage risks

Credit Card Lending (Comptroller's Handbook, January 2017)
Discusses credit card operations of issuing banks and provides examiner guidance

Commercial Real Estate (Comptroller's Handbook, January 2017)
Focuses on the analysis of project financing and the legal forms a borrower may take to hold legal title to the real estate

Installment Lending (Comptroller's Handbook, May 2018)
Provides updated guidance to examiners on assessing and managing the risks associated with installment lending activities

Loan Portfolio Management (Comptroller's Handbook, April 1998)
Outlines nine elements that underpin a bank's loan portfolio management process and provides examiner guidance

Merchant Processing (Comptroller's Handbook, August 2014)
Focuses on credit card payment processing, which is a separate line of business from credit card issuing

Mortgage Banking (Comptroller's Handbook, February 2014)
Focuses on the analysis of project financing and the legal approaches a borrower may take to hold legal title to the real estate

Residential Real Estate Lending (Comptroller's Handbook, January 2017)
Provides updated guidance to examiners on assessing and managing the risks associated with residential real estate lending activities

Sampling Methodologies (Comptroller's Handbook, August 1998)
Covers the benefits and methods involved in sampling random subsets when examining various areas of bank operations

References

Fair Credit Reporting Act (Attachment to OCC Bulletin 2008-28, October 2008)
Covers consumer reporting, information sharing among affiliates, identity theft protections, and examination procedures

Protecting Tenants at Foreclosure Act of 2009 (OCC Bulletin 2011-15, May 2011) The Dodd-Frank Wall Street Reform and Consumer Protection Act revised the Tenants Protection Act by adding a definition for the date of a notice of foreclosure.