Supervision and Examination Publications

Supervision and examination publications provide guidance to examiners as they work to ensure the safety and soundness of the national banking system and information to bankers and the general public on the bank supervision process.

Featured Publications

Quarterly Report on Bank Derivatives Activities: Q2 2021

Quarterly Report on Bank Trading and Derivatives Activities: Second Quarter 2021

Comptroller's Handbook: Model Risk Management

Comptroller's Handbook: Liquidity

Comptroller's Handbook: Allowances for Credit Losses

Comptroller's Handbook: Servicemembers Civil Relief Act

Shared National Credits 2020 Cover Image

Shared National Credit Report 2020

All Supervision and Examination Publications

Publication Date	Title	Version	Collection
09/13/2021	Comptroller's Handbook: Problem Bank Supervision	September 2021	Comptroller’s Handbook
08/18/2021	Comptroller's Handbook: Model Risk Management	August 2021	Comptroller’s Handbook
08/16/2021	Bank Accounting Advisory Series	August 2021	Banker Education
08/16/2021	Comptroller's Handbook: Liquidity	August 2021	Comptroller’s Handbook
05/18/2021	OCC Report Examines Key Risks, Effects of COVID-19 Pandemic on Federal Banking System	Spring 2021	Semiannual Risk Perspective
04/29/2021	Comptroller's Handbook: Credit Card Lending	April 2021	Comptroller’s Handbook
04/15/2021	Comptroller's Handbook: Allowances for Credit Losses	April 2021	Comptroller’s Handbook
04/01/2021	Interest Rate Risk Statistics Report	Spring 2021	Interest Rate Risk Statistics Report
03/04/2021	Comptroller's Handbook: Servicemembers Civil Relief Act	March 2021	Comptroller’s Handbook
02/25/2021	Shared National Credit Report 2020	2020	Shared National Credit Program Report
12/21/2020	Comptroller's Handbook: Foreword	December 2020	Comptroller’s Handbook
11/09/2020	OCC Reports Key Risks, Effects of COVID-19 in Federal Banking System	Fall 2020	Semiannual Risk Perspective
11/05/2020	Director’s Reference Guide to Board Reports and Information	November 2020	Banker Education
11/05/2020	Director's Book: Role of Directors for National Banks and Federal Savings Associations	November 2020	Banker Education
10/27/2020	Interest Rate Risk Statistics Report	Fall 2020	Interest Rate Risk Statistics Report
10/26/2020	Comptroller's Handbook: Concentrations of Credit	October 2020	Comptroller’s Handbook
09/30/2020	Comptroller's Handbook: Truth in Lending Act (Interagency)	September 2020	Comptroller’s Handbook
09/02/2020	Comptroller's Handbook: Other Real Estate Owned	September 2020	Comptroller’s Handbook
06/29/2020	Comptroller's Handbook: Unfair or Deceptive Acts or Practices and Unfair, Deceptive, or Abusive Acts or Practices	June 2020	Comptroller’s Handbook
06/29/2020	OCC Highlights Key Risks for Federal Banking System	Spring 2020	Semiannual Risk Perspective
05/26/2020	Comptroller's Handbook: Sampling Methodologies	May 2020	Comptroller’s Handbook
03/30/2020	Comptroller's Handbook: Agricultural Lending	March 2020	Comptroller’s Handbook
03/26/2020	Comptroller's Handbook: Interest Rate Risk	March 2020	Comptroller’s Handbook
03/02/2020	Comptroller's Handbook: Protecting Tenants at Foreclosure Act	March 2020	Comptroller’s Handbook
01/31/2020	Shared National Credit Report 2019	2019	Shared National Credit Program Report
12/09/2019	OCC Highlights Key Risks for Federal Banking System	Fall 2019	Semiannual Risk Perspective
08/27/2019	Comptroller's Handbook: Flood Disaster Protection Act (Interagency)	August 2019	Comptroller’s Handbook
07/25/2019	Comptroller's Handbook: Internal and External Audits	July 2019	Comptroller’s Handbook
07/15/2019	Key Differences Among National Bank, Federal Savings Association, and Covered Savings Association Requirements	July 2019	Banker Education
07/15/2019	Comptroller's Handbook: Corporate and Risk Governance	July 2019	Comptroller’s Handbook
05/20/2019	OCC Report Highlights Key Risks for Federal Banking System	Spring 2019	Semiannual Risk Perspective
05/14/2019	Comptroller's Handbook: Real Estate Settlement Procedures Act	May 2019	Comptroller’s Handbook
03/15/2019	Comptroller's Handbook: Recovery Planning	March 2019	Comptroller’s Handbook
01/25/2019	Shared National Credit Report 2018	2018	Shared National Credit Program Report
12/28/2018	Comptroller's Handbook: Consigned Items and Other Customer Services	December 2018	Comptroller’s Handbook
12/28/2018	Comptroller's Handbook: Litigation and Other Legal Matters	December 2018	Comptroller’s Handbook
12/28/2018	Comptroller's Handbook: Bank Premises and Equipment	December 2018	Comptroller’s Handbook
12/03/2018	OCC Report Discusses Key Risks for Federal Banking System	Fall 2018	Semiannual Risk Perspective
10/15/2018	Comptroller's Handbook: Oil and Gas Exploration and Production Lending	October 2018	Comptroller’s Handbook
10/15/2018	Comptroller's Handbook: Trade Finance and Services	October 2018	Comptroller’s Handbook
09/12/2018	Comptroller's Handbook: Deposit-Related Credit	March 2020	Comptroller’s Handbook
08/28/2018	Comptroller's Handbook: Large Bank Supervision	September 2019	Comptroller’s Handbook
07/23/2018	Comptroller's Handbook: Capital and Dividends	July 2018	Comptroller’s Handbook
06/29/2018	Comptroller's Handbook: Community Bank Supervision	September 2019	Comptroller’s Handbook
06/28/2018	Comptroller's Handbook: Bank Supervision Process	September 2019	Comptroller’s Handbook
06/28/2018	Comptroller's Handbook: Compliance Management Systems	June 2018	Comptroller’s Handbook
06/28/2018	Comptroller's Handbook: Federal Branches and Agencies Supervision	September 2019	Comptroller’s Handbook
05/24/2018	OCC Report Highlights Key Risks for Federal Banking System	Spring 2018	Semiannual Risk Perspective
05/23/2018	Comptroller's Handbook: Retail Lending	May 2018	Comptroller’s Handbook
05/11/2018	Comptroller's Handbook: Military Lending Act	May 2018	Comptroller’s Handbook
05/01/2018	Comptroller's Handbook: Installment Lending	May 2018	Comptroller’s Handbook
01/31/2018	Comptroller's Handbook: Municipal Securities Rulemaking Board Rules	January 2018	Comptroller’s Handbook
01/18/2018	OCC Report Highlights Key Risks for Federal Banking System	Fall 2017	Semiannual Risk Perspective
09/27/2017	Community Bank Summary: Proposed Simplifications to the Capital Rule Pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996	September 27, 2017	Banker Education
08/02/2017	Shared National Credit Report 2017	2017	Shared National Credit Program Report
07/07/2017	OCC Report Highlights Risks Facing National Banks and Federal Savings Associations	Spring 2017	Semiannual Risk Perspective
01/15/2017	Comptroller's Handbook: Asset-Based Lending	January 2017	Comptroller’s Handbook
01/15/2017	Comptroller's Handbook: Commercial Real Estate Lending	January 2017	Comptroller’s Handbook
01/05/2017	OCC Report Highlights Risks Facing National Banks and Federal Savings Associations	Fall 2016	Semiannual Risk Perspective
12/22/2016	Comptroller's Handbook: Analytical Review of Income and Expense	March 1990, Procedures - March 1998	Comptroller’s Handbook
12/15/2016	2016 Annual Report	2016	Annual Report
11/29/2016	Comptroller's Handbook: Emerging Market Country Products and Trading Activities	December 1995 (narrative), February 1998 (procedures)	Comptroller’s Handbook
07/29/2016	Shared National Credit Report 2016	2016	Shared National Credit Program Report
07/11/2016	OCC Report Discusses Risks Facing National Banks and Federal Savings Associations	Spring 2016	Semiannual Risk Perspective
05/09/2016	Comptroller's Handbook: Student Lending	February 2017	Comptroller’s Handbook
02/12/2016	Comptroller's Handbook: Country Risk Management	February 2016	Comptroller’s Handbook
12/16/2015	OCC Report Highlights Top Risks Facing National Banks and Federal Savings Associations	Fall 2015	Semiannual Risk Perspective
11/05/2015	Shared National Credit Report 2015	2015	Shared National Credit Program Report
10/27/2015	Comptroller's Handbook: Floor Plan Lending	January 2017	Comptroller’s Handbook
10/14/2015	Guidance on Advanced Approaches 2015-2: Supervisory Work Programs for Reviewing Advanced Approaches Banks' Use of Internal Ratings-Based Approaches for Credit Risk	October 14, 2015	Guidance on Advanced Approaches
06/30/2015	OCC Report Discusses Risks Facing National Banks and Federal Savings Associations	Spring 2015	Semiannual Risk Perspective
06/25/2015	Comptroller's Handbook: Collective Investment Funds	May 2014	Comptroller’s Handbook
06/15/2015	Comptroller's Handbook: Residential Real Estate Lending	January 2017	Comptroller’s Handbook
05/19/2015	Guidance on Advanced Approaches 2015-1: Supervisory Guidance for Implementation of the Simplified Supervisory Formula Approach for Securitization Exposures Under the Advanced Approaches Risk-Based Capital Rule	May 19, 2015	Guidance on Advanced Approaches
02/10/2015	Comptroller's Handbook: Personal Fiduciary Activities	February 2015	Comptroller’s Handbook
01/22/2015	Comptroller's Handbook: Government Securities Act	January 2015	Comptroller’s Handbook
01/15/2015	Comptroller's Handbook: Retail Nondeposit Investment Products	January 2015	Comptroller’s Handbook
01/14/2015	Comptroller's Handbook: Conflicts of Interest	January 2015	Comptroller’s Handbook
12/17/2014	OCC Highlights Key Risks Facing National Banks and Federal Savings Associations	Fall 2014	Semiannual Risk Perspective
11/07/2014	Shared National Credit Report 2014	2014	Shared National Credit Program Report
10/23/2014	Guidance on Advanced Approaches 2014-3: Selection of Reference Data Periods and Approaches to Data Deficiencies When Quantifying Retail and Wholesale Risk Parameters	October 23, 2014	Guidance on Advanced Approaches
10/10/2014	Guidance on Advanced Approaches 2014-2: Guidance Relating to Notifications of Material Changes to Advanced Systems and Modeling Changes	October 10, 2014	Guidance on Advanced Approaches
08/28/2014	Comptroller's Handbook: Electronic Fund Transfer Act (Interagency)	March 2019	Comptroller’s Handbook
08/20/2014	Comptroller's Handbook: Merchant Processing	August 2014	Comptroller’s Handbook
08/12/2014	Comptroller's Handbook: Lease Financing	January 2017	Comptroller’s Handbook
06/30/2014	Guidance on Advanced Approaches 2014-1: Supervisory Guidance for Data, Modeling, and Model Risk Management Under the Operational Risk Advanced Measurement Approaches	June 30, 2014	Guidance on Advanced Approaches
06/25/2014	OCC Report Examines Risks Facing National Banks and Federal Savings Associations	Spring 2014	Semiannual Risk Perspective
04/01/2014	Comptroller's Handbook: Garnishment of Accounts Containing Federal Benefit Payments	November 1995	Comptroller’s Handbook
02/12/2014	Comptroller's Handbook: Retirement Plan Products and Services	February 2014	Comptroller’s Handbook
02/07/2014	Comptroller's Handbook: Mortgage Banking	February 2014	Comptroller’s Handbook
12/19/2013	OCC Report Focuses on Risks Facing National Banks and Federal Savings Associations	Fall 2013	Semiannual Risk Perspective
11/06/2013	Comptroller's Handbook: Insider Activities	November 2013	Comptroller’s Handbook
11/06/2013	Comptroller's Handbook: Qualified Thrift Lender	November 2013	Comptroller’s Handbook
10/28/2013	Guidance on Advanced Approaches 2013-1: Implementing the Supervisory Formula Approach for Securitization Exposures	October 28, 2013	Guidance on Advanced Approaches
10/10/2013	Shared National Credit Report 2013	2013	Shared National Credit Program Report
07/15/2013	New Capital Rule Quick Reference Guide	July 2013	Banker Education
06/18/2013	OCC Report Focuses on Risks Facing National Banks and Federal Savings Associations	Spring 2013	Semiannual Risk Perspective
03/13/2013	Common Sense Approach to Community Banking	2013	Banker Education
12/20/2012	OCC Report Focuses on Risks Facing National Banks and Federal Savings Associations	Fall 2012	Semiannual Risk Perspective
08/27/2012	Shared National Credit Report 2012	2012	Shared National Credit Program Report
08/23/2012	Comptroller's Handbook: Unique and Hard-to-Value Assets	August 2012	Comptroller’s Handbook
07/12/2012	OCC Report Discusses Risks Facing National Banks and Federal Savings Associations	Spring 2012	Semiannual Risk Perspective
04/16/2012	Comptroller's Handbook: SAFE Act	April 2012	Comptroller’s Handbook
10/15/2011	Comptroller's Handbook: Privacy of Consumer Financial Information	October 2011	Comptroller’s Handbook
08/25/2011	Shared National Credit Report 2011	2011	Shared National Credit Program Report
06/15/2011	Comptroller's Handbook: Asset Management Operations and Controls	January 2011	Comptroller’s Handbook
05/15/2011	Comptroller's Handbook: Homeownership Counseling Examination Procedures	June 2011	Comptroller’s Handbook
04/15/2011	Joint Implementation Plan, Dodd-Frank Sections 301-326	April 2011	Banker Education
09/28/2010	Shared National Credit Report 2010	2010	Shared National Credit Program Report
08/15/2010	Comptroller's Handbook: Depository Services	August 2010	Comptroller’s Handbook
02/24/2010	Comptroller's Handbook: Home Mortgage Disclosure	February 2010	Comptroller’s Handbook
01/20/2010	Comptroller's Handbook: Fair Lending	January 2010	Comptroller’s Handbook
09/24/2009	Shared National Credit Report 2009	2009	Shared National Credit Program Report
08/15/2009	Comptroller's Handbook: Other Consumer Protection Laws and Regulations	August 2009	Comptroller’s Handbook
10/08/2008	Shared National Credit Report 2008	2008	Shared National Credit Program Report
04/11/2008	Leading Practice Disclosures for Selected Exposures	April 11, 2008	Banker Education
03/06/2008	Observations on Risk Management Practices during the Recent Market Turbulence	March 6, 2008	Banker Education
02/15/2008	Comptroller's Handbook: Leveraged Lending	February 2008	Comptroller’s Handbook
12/15/2007	Comptroller's Handbook: Internal Control Questionnaires/Verification Procedures	December 2007	Comptroller’s Handbook
09/25/2007	Shared National Credit Report 2007	2007	Shared National Credit Program Report
09/08/2006	Shared National Credit Report 2006	2006	Shared National Credit Program Report
09/15/2005	Shared National Credit Report 2005	2005	Shared National Credit Program Report
09/15/2004	Shared National Credit Report 2004	2004	Shared National Credit Program Report
08/15/2004	Comptroller's Handbook: Related Organizations	August 2004	Comptroller’s Handbook
09/10/2003	Shared National Credit Report 2003	2003	Shared National Credit Program Report
09/08/2002	Shared National Credit Report 2002	2002	Shared National Credit Program Report
06/01/2002	Comptroller's Handbook: Insurance Activities	June 2002	Comptroller’s Handbook
01/15/2002	Comptroller's Handbook: Custody Services	January 2002	Comptroller’s Handbook
10/05/2001	Shared National Credit Report 2001	2001	Shared National Credit Program Report
08/15/2001	Comptroller's Handbook: Investment Management Services	August 2001	Comptroller’s Handbook
04/15/2001	Comptroller's Handbook: Rating Credit Risk	April 2001	Comptroller’s Handbook
01/15/2001	Comptroller's Handbook: Internal Control	January 2001	Comptroller’s Handbook
12/15/2000	Comptroller's Handbook: Asset Management	December 2000	Comptroller’s Handbook
10/10/2000	Shared National Credit Report 2000	2000	Shared National Credit Program Report
03/15/2000	Comptroller's Handbook: Accounts Receivable and Inventory Financing	March 2000	Comptroller’s Handbook
11/10/1999	Shared National Credit Report 1999	1999	Shared National Credit Program Report
05/15/1999	Comptroller's Handbook: Community Reinvestment Act Examination Procedures	June 2018	Comptroller’s Handbook
04/15/1998	Comptroller's Handbook: Loan Portfolio Management	April 1998	Comptroller’s Handbook
11/15/1997	Comptroller's Handbook: Asset Securitization	November 1997	Comptroller’s Handbook
03/15/1997	Comptroller's Handbook: Due From Banks	March 1990 (narrative), March 1998 (procedures)	Comptroller’s Handbook
01/15/1997	Comptroller's Handbook: Risk Management of Financial Derivatives	January 1997 (narrative), February 1998 (procedures)	Comptroller’s Handbook
10/15/1996	Comptroller's Handbook: Fair Credit Reporting	October 1996	Comptroller’s Handbook
06/15/1996	Comptroller's Handbook: Allowance for Loan and Lease Losses	June 1996 (narrative), May 1998 (procedures)	Comptroller’s Handbook
09/09/1995	Comptroller's Handbook: Futures Commission Merchant Activities	November 1995	Comptroller’s Handbook
03/15/1991	Comptroller's Handbook: Other Assets (and Other Liabilities)	March 1991	Comptroller’s Handbook
03/15/1990	Comptroller's Handbook: Bank Dealer Activities	March 1990	Comptroller’s Handbook
03/15/1990	Comptroller's Handbook: Cash Accounts	March 1990 (narrative), March 1998 (procedures)	Comptroller’s Handbook
03/15/1990	Comptroller's Handbook: Commercial Loans	March 1990 (narrative), March 1998 (procedures)	Comptroller’s Handbook
03/15/1990	Comptroller's Handbook: Foreign Exchange	March 1990	Comptroller’s Handbook
03/15/1990	Comptroller's Handbook: Investment Securities	March 1990	Comptroller’s Handbook
03/15/1990	Comptroller's Handbook: Payment Systems and Funds Transfer Activities	March 1990	Comptroller’s Handbook
03/15/1990	Comptroller's Handbook: Private Placements	Narrative and Procedures - March 1990	Comptroller’s Handbook
03/15/1990	Comptroller's Handbook: Review of Regulatory Reports	March 1990	Comptroller’s Handbook