OCC: Third and Fourth Quarters 2025 CRA Evaluation Schedule Issued
The Office of the Comptroller of the Currency (OCC) today released its schedule of Community Reinvestment Act (CRA) evaluations to be conducted in the third and fourth quarters of 2025. The OCC encourages public comment on the CRA-related activities of the national banks and federal savings associations (collectively, banks) scheduled to be evaluated under the…
FDIC: Office of the Ombudsman Publishes 2024 Annual Report of Activities
Summary: The Federal Deposit Insurance Corporation’s (FDIC) Office of the Ombudsman today published a report highlighting its activities and the services provided to stakeholders during 2024. The Office of the Ombudsman is a resource for bankers and other stakeholders seeking an independent, neutral, and confidential liaison for informally discussing disagreements with findings or conclusions of…
Agencies Issue Host State Loan-to-Deposit Ratios
Federal bank regulatory agencies today jointly issued updated host state loan-to-deposit ratios, as required by law. Each respective host state loan-to-deposit ratio shows the ratio of total loans in a state to total deposits in the state for all banks that have that state as their home state. These ratios replace those issued in May 2024….
ICBA: ICBA Urges OCC to Preserve Dedicated Supervision for Community Banks
Independent Community Bankers of America (ICBA) President and CEO Rebeca Romero Rainey issued the following statement in opposition to the Office of the Comptroller of the Currency’s announced decision to merge its community, midsize, and large bank supervision functions into a single line of business. “As policymakers continue to call for stronger safeguards in financial oversight,…
OCC: Organization Structure Changes Announced to Combine Midsize and Community Bank Supervision and Large Bank Supervision Functions Effective June 2, 2025
The Office of the Comptroller of the Currency (OCC) today announced changes to its organizational structure to ensure its approach to supervision evolves to better address today’s challenges, align similar functions within the agency, and leverage opportunities for efficiencies. The OCC will combine the Midsize and Community Bank Supervision and Large Bank Supervision functions to…
OCC: Agency Ceases Examinations for Reputation Risk
The Office of the Comptroller of the Currency (OCC) today announced that it will no longer examine its regulated institutions for reputation risk and is removing references to reputation risk from its Comptroller’s Handbook booklets and guidance issuances. Today’s actions support the OCC’s mission and its supervisory objectives to ensure that banks have appropriate and…