OCC Regulations

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src='//platform-api.sharethis.com/js/sharethis.js#property=642f2edb1cdb86001a1ecf3e&product=inline-share-buttons'></script> <section class="occgov-section__share grid-row grid-gap"> <div class="grid-col"> <div class="share-icons"> <p>Share This Page:</p> <ul> <li class="sharethis-inline-share-buttons"></li> </ul> </div> </div> </section>  <section class="occgov-section__intro"> <p>The Office of the Comptroller of the Currency (OCC) is the primary regulator of banks chartered under the National Bank Act (12 USC 1 et seq.) and federal savings associations chartered under the Home Owners Loan Act of 1933 (12 USC 1461 et seq.). You will find the OCC's regulations, derived from these acts, in the <a href="https://www.ecfr.gov/cgi-bin/text-idx?SID=bb6a4a34e03f007655e1af7e20253719&mc=true&tpl=/ecfrbrowse/Title12/12tab_02.tpl" target="_blank" rel="noopener noreferrer" >Electronic Code of Federal Regulations</a> (click on 1-199 in the Browse Parts column of the table).</p> </section> <section class="occgov-section__content grid-row grid-gap"> <section class="occgov-section__content-subsection desktop:grid-col-8"> <p>Before rules are finalized, the OCC publishes them in the <em>Federal Register</em> for comment. Use the links below to learn more about this process and to view current rules open for comment or finalized rules.</p> <h2>Regulations Issuances</h2> <ul> <li><a href="/publications-and-resources/publications/banker-education/files/activities-permissible-nat-banks-fed-savings-associations.html" title="Activities Permissible for National Banks and Federal Savings Associations, Cumulative">Activities Permissible for National Banks and Federal Savings Associations, Cumulative</a></li> <li><a href="/news-events/newsroom/news-issuances-by-year/bulletins/index-bulletins.html" title="Bulletins">OCC Bulletins</a></li> <li><a href="/topics/charters-and-licensing/interpretations-and-actions/index-interpretations-and-actions.html" title="Interpretations & Actions">Interpretations and Actions</a></li> </ul> <h2><a href="/topics/laws-and-regulations/occ-regulations/proposed-issuances/index-proposed-issuances.html" title="Proposed Issuances">Proposed Issuances for Comment</a></h2> <p>Submit or read comments on public notices.</p> <h2><a href="/topics/laws-and-regulations/occ-regulations/final-issuances/index-final-issuances.html" title="Final Issuances">Final Issuances</a></h2> <p>Read final issuances as published in the <em>Federal Register</em>.</p> <p>OCC rulemakings are also available at the <em><a href="https://www.federalregister.gov/agencies/comptroller-of-the-currency" target="_blank" rel="noopener noreferrer" >Federal Register</a></em> website, and at <a href="http://www.regulations.gov/" target="_blank" rel="noopener noreferrer" >Regulations.gov</a>, where you can search (by Docket ID, keyword, or date range) for public comments to OCC rulemakings.</p> <p>Our <a href="/about/who-we-are/organizations/chief-counsels-office/index-chief-counsels-office.html" title="Chief Counsel's Office">Legislative and Regulatory Activities (LRA) Division</a> in the Law Department serves as the OCC's counsel on regulatory matters.</p> </section> <section class="occgov-section__content-subsection desktop:grid-col-4"> <div class="usa-summary-box occgov-summary-aside__nav"> <div class="grid-row grid-gap"> <div class="occgov-summary-group tablet:grid-col-6 desktop:grid-col-12"> <h4>Popular Links</h4> <p><a href="https://www.federalregister.gov/agencies/comptroller-of-the-currency" target="_blank" rel="noopener noreferrer" >OCC Rulemakings</a></p> <p><a href="/publications-and-resources/publications/banker-education/files/activities-permissible-nat-banks-fed-savings-associations.html" title="Activities Permissible for National Banks and Federal Savings Associations, Cumulative">Activities Permissible for National Banks and Federal Savings Associations, Cumulative</a></p> <p><a href="/publications-and-resources/publications/banker-education/files/comparison-powers-of-nat-banks-and-fed-savings-associations.html" title="Comparison of the Powers of National Banks and Federal Savings Associations">Comparison of the Powers of National Banks and Federal Savings Associations</a></p> <p><a href="/publications-and-resources/publications/banker-education/files/key-diff-among-nat-bank-fsa-covered-savings-asso-requirements.html" title="Key Differences Among National Bank, Federal Savings Association, and Covered Savings Association Requirements">Key Differences Among National Bank, Federal Savings Association, and Covered Savings Association Requirements</a></p> <p><a href="http://www.gpo.gov/fdsys/pkg/CFR-2010-title12-vol1/content-detail.html" target="_blank" rel="noopener noreferrer" >Title 12-Banks and Banking (12 CFR)</a></p> <p><a href="/news-issuances/bulletins/2011/bulletin-2011-47.html" title="OTS Integration">OTS Integration: Supervisory Policy Integration Process</a></p> <p><a href="/news-events/newsroom/news-issuances-by-year/ots-issuances/redesignation-table-for-savings-association-regulations.html" title="Redesignation Table for Savings Association Regulations">Regulations Re-designations for Savings Association</a></p> <h4>Top Tasks</h4> <p><a href="/topics/laws-and-regulations/securities-filings-instructions-and-content.html" title="Securities Filings Instructions and Content">Securities Filings</a></p> <p><a href="http://apps.occ.gov/EnforcementActions/" target="_blank" rel="noopener noreferrer" >Search Enforcement Actions</a></p> <p><a href="/topics/laws-and-regulations/interpretations-and-precedents/index-interpretations-and-precedents.html" title="Interpretations & Precedents">Access Monthly Interpretations and Actions</a></p> <p><a href="/news-events/newsroom/news-issuances-by-year/ots-issuances/index-ots-issuances.html" title="Office of Thrift Supervision (OTS) Issuances">Search Office of Thrift Supervision (OTS) Archive</a></p> <p><a href="/about/who-we-are/organizations/chief-counsels-office/index-chief-counsels-office.html" title="Chief Counsel's Office">Learn About the Chief Counsel's Office</a></p> </div> </div> </div> </section> </section> <hr /> <section class="occgov-container__table"> 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href="/news-issuances/news-releases/2024/nr-ia-2024-129.html">Federal Bank Regulatory Agencies Seek Further Comment on Interagency Effort to Reduce Regulatory Burden</a></td> </tr> </tbody></table> </section>  </main> </section> </div> </div> </section>   <footer id="site-footer" class="usa-footer"> <div class="usa-footer__info-section"> <div class="grid-container"> <div class="grid-row grid-gap"> <div class="usa-footer__logo grid-row tablet:grid-col-6 tablet:grid-gap-2"> <div class="tablet:grid-col-auto"><a href="/index.html" title="Home"><img src="/images/c-clamp-images/footer-occ-logo.png" width="325" height="60" class="footer-occ-logo" alt="OCC logo - footer" title="OCC logo footer" /></a></div> </div> <div class="usa-footer__subscribe tablet:grid-col-6"> <div class="footer-subscribe"> <form id="GD-snippet-form-occ" action="https://public.govdelivery.com/accounts/USTREASOCC/subscribers/qualify" accept-charset="UTF-8" method="post"><input name="utf8" type="hidden" value="✓" /><input 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