OCC
Federal agency responsible for regulations under OCC.
22 regulationsBank Appeals Process
The Office of the Comptroller of the Currency is proposing new rules for how banks can appeal decisions made by federal regulators. This change could make it easier for banks to challenge regulatory decisions they disagree with, which might affect the fees and services available to customers.
National Bank Chartering, Corrected Copy
This proposed rule from the Office of the Comptroller of the Currency (OCC) would update the process for chartering new national banks—institutions that are federally regulated and can operate across state lines. The changes could make it easier or harder for new banks to get federal approval to operate, which affects how accessible banking services are to consumers and small businesses.
National Bank Chartering; Correction
The Office of the Comptroller of the Currency is proposing a correction to rules about how national banks are chartered and regulated. This matters because it affects how banks operate and what standards they must follow to serve customers.
National Bank Chartering
The federal government is proposing changes to how new national banks can get approval to operate in the United States. This rule affects the process that the Office of the Comptroller of the Currency uses to decide whether to grant bank charters, which could influence how easily new banks can enter the market and compete with existing ones.
Real Estate Lending Escrow Accounts
The Office of the Comptroller of the Currency is proposing new rules about how banks handle escrow accounts for real estate loans, which are accounts where banks hold money for homeowners' property taxes and insurance. This regulation aims to clarify how banks must manage and protect these customer funds to prevent misuse or loss.
Preemption Determination: State Interest-on-Escrow Laws
The federal government is proposing to determine whether federal banking rules override state laws that require banks to pay interest on customer escrow accounts (money held by banks on behalf of customers). This decision could affect how much interest customers earn on money their banks are holding for things like home repairs or property taxes.
Guidelines Establishing Heightened Standards for Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches; Technical Amendments
The federal government is proposing stricter safety and soundness rules for the largest national banks and federal savings institutions to reduce financial risk. These heightened standards aim to ensure that mega-banks have stronger protections in place and are better prepared to handle economic stress without threatening the broader financial system.
Community Reinvestment Act: Simplified Strategic Plan Process for Community Banks
This proposed rule would make it easier for smaller community banks to show they're lending money and providing services to their local neighborhoods, which is required by federal law. The simplified process would reduce paperwork and costs for community banks while still ensuring they serve all parts of their communities fairly.
Appraisals for Higher-Priced Mortgage Loans Exemption Threshold
This regulation changes the rules for when banks must get a professional appraisal for mortgages. It raises the dollar amount threshold that triggers appraisal requirements, meaning some home loans won't need expensive appraisals anymore. This could make the mortgage process faster and cheaper for some borrowers, though it may reduce oversight of certain loan values.
Regulatory Capital: Revisions to the Community Bank Leverage Ratio Framework
The federal government is proposing to update rules about how much money smaller banks need to keep on hand as a safety cushion. These changes aim to make sure community banks remain stable and can handle financial problems without putting customer deposits at risk.
Regulatory Capital: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Their Subsidiary Depository Institutions; Total Loss-Absorbing Capacity and Long-Term Debt Requirements for U.S. Global Systemically Important Bank Holding Companies
This regulation changes the financial safety rules for the largest U.S. banks to make sure they have enough money set aside to survive a major crisis. The rules require these huge banks to hold more capital (financial cushion) and long-term debt that can be used to absorb losses, which helps protect the banking system and everyday customers' deposits.
Community Bank Licensing Amendments
The Office of the Comptroller of the Currency is proposing changes to how community banks get licensed and regulated. These changes could make it easier for smaller, local banks to operate and serve their communities with less bureaucratic burden.