OCC Issues Revised Comptroller’s Handbook Booklet on Homeownership Counseling
The Office of the Comptroller of the Currency (OCC) today issued version 1.0 of the “Homeownership Counseling” booklet of the Comptroller’s Handbook. This booklet replaces the “Homeownership Counseling Examination Procedures” booklet of the Comptroller’s Handbookdated June 2011. Note for Community Banks This booklet provides information to inform and educate examiners about homeownership counseling requirements for delinquent borrowers…
FFIEC: Federal Bank Regulatory Agencies Release 2025 Small Business, Small Farm and Community Development Lending Data
The federal bank regulatory agencies, as members of the Federal Financial Institutions Examination Council (FFIEC), today released data on small business, small farm, and community development lending during 2025. The Community Reinvestment Act regulations require the agencies to annually disclose these data. The FFIEC also prepared aggregate reports of small business and small farm lending…
OCC: Agency Issues Supervisory Framework on Bank Use of Super Intelligence
The Office of the Comptroller of the Currency (OCC) today issued a framework for its bank examination workforce on banks’ use of Super Intelligence (SI). Banks have a long history of utilizing new technologies to improve operational efficiencies and drive innovations to serve their customers. SI and agentic SI are novel technologies that are experiencing…
OCC: Agency Raises Concerns with California’s Climate Disclosure Laws as They Relate to Banks
The Office of the Comptroller of the Currency (OCC) today submitted a letter to the California Air Resource Board (CARB) addressing the serious legal and policy concerns raised by two California climate disclosure laws. In light of these concerns, the letter urges CARB to clarify that national banks and federal savings associations (banks) are not…
ICBA: ICBA Opposes OCC Approval of Ripple’s National Trust Bank Charter Application
The Independent Community Bankers of America (ICBA) today expressed opposition to the Office of the Comptroller of the Currency’s reported final approval of Ripple’s application for a national trust bank charter for its Ripple National Trust Bank subsidiary. “The OCC’s approval of Ripple’s trust charter application based on the agency’s flawed chartering rule for national trust…
OCC: Comptroller Gould Discusses Efforts to Support Community Banks
Comptroller of the Currency Jonathan V. Gould today discussed the Office of the Comptroller of the Currency’s (OCC) work to help community banks thrive and remain dynamic as the financial industry evolves in remarks before the Ohio Bankers League. Excerpts from Comptroller Gould’s remarks are below. His full remarks can be found here. Ohio Community Banks…
OCC: Agency Advances U.S. Digital Asset Leadership with Final Rule to Implement GENIUS Act
The Office of the Comptroller of the Currency (OCC) today announced a final rule to implement the Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act. “The GENIUS Act marks a watershed moment in American finance, further cementing the United States as the crypto capital of the world. Just as President Abraham Lincoln’s National…
OCC: Report Released on Large Banks’ Debanking Activities
The Office of the Comptroller of the Currency (OCC) today released a report of its findings from its supervisory review of debanking activities at the nine largest national banks it supervises: JPMorgan Chase Bank, Bank of America, Citibank, Wells Fargo Bank, U.S. Bank, Capital One, PNC Bank, TD Bank, and BMO Bank. The OCC conducted…
CFPB: New Initiative Announced to Address OCC-Uncovered Debanking by Large Banks
Today, the Consumer Financial Protection Bureau (CFPB) announced the next step in its work to advance President Trump’s fight against the debanking of businesses and individuals on the basis of their constitutionally protected rights, including support of President Trump, MAGA, pro-life causes, and industries disfavored by the Left. The CFPB will address any consumer harm…