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OFFICE OF THE COMPTROLLER OF THE CURRENCY (OCC)

The OCC charters, regulates, and supervises all national banks and federal savings associations as well as federal branches and agencies of foreign banks. The OCC is an independent bureau of the U.S. Department of the Treasury.

PART 1—INVESTMENT SECURITIES

Prescribes standards under which national banks may purchase, sell, deal in, underwrite, and hold securities, consistent with law and safe and sound banking practices.

PART 2—SALES OF CREDIT LIFE INSURANCE

Sets forth the principles and standards that apply to a national bank’s provision of credit life insurance and the limitations that apply to the receipt of income from those sales by certain individuals and entities associated with the bank.

PART 3—CAPITAL ADEQUACY STANDARDS

Establishes minimum capital requirements and overall capital adequacy standards for national banks or Federal savings associations. Includes methodologies for calculating minimum capital requirements, public disclosure requirements related to the capital requirements, and transition provisions for the application of capital adequacy standards.

PART 4—ORGANIZATION AND FUNCTIONS, AVAILABILITY AND RELEASE OF INFORMATION, CONTRACTING OUTREACH PROGRAM, POST-EMPLOYMENT RESTRICTIONS FOR SENIOR EXAMINERS

Describes the organization and functions of the Office of the Comptroller of the Currency (OCC), and provides the OCC’s principal addresses.

PART 5—RULES, POLICIES, AND PROCEDURES FOR CORPORATE ACTIVITIES

Establishes rules, policies and procedures of the Office of the Comptroller of the Currency (OCC) for corporate activities and transactions involving national banks and Federal savings associations. It contains information on rules of general and specific applicability, where and how to file, and requirements and policies applicable to filings. This part also establishes the corporate filing procedures for Federal branches and agencies of foreign banks.

PART 6—PROMPT CORRECTIVE ACTION

Defines for insured national banks and insured Federal savings associations, the capital measures and capital levels, and for insured Federal branches, comparable asset-based measures and levels, that are used for determining the supervisory actions authorized under section 38 of the FDI Act. Also establishes procedures for submission and review of capital restoration plans and for issuance and review of directives and orders pursuant to section 38.

PART 12—RECORDKEEPING AND CONFIRMATION REQUIREMENTS FOR SECURITIES TRANSACTIONS

Establishes rules, policies, and procedures applicable to recordkeeping and confirmation requirements for certain securities transactions effected by national banks for customers.

PART 14—CONSUMER PROTECTION IN SALES OF INSURANCE

Establishes consumer protections in connection with retail sales practices, solicitations, advertising, or offers of any insurance product or annuity to a consumer by: any national bank or Federal savings association; or any other person that is engaged in such activities at an office of the national bank or Federal savings association, or on behalf of the national bank or Federal savings association.

PART 16—SECURITIES OFFERING DISCLOSURE RULES

Sets forth rules governing the offer and sale of securities issued by a bank.

PART 18—DISCLOSURE OF FINANCIAL AND OTHER INFORMATION BY NATIONAL BANKS

Requires all national banks and federal branches and agencies to prepare an annual financial disclosure statement, and to make this statement available to security holders, depositors, and anyone who requests it.

PART 21—MINIMUM SECURITY DEVICES AND PROCEDURES, REPORTS OF SUSPICIOUS ACTIVITIES, AND BANK SECRECY ACT COMPLIANCE PROGRAM

Requires each bank to adopt appropriate security procedures to discourage robberies, burglaries, and larcenies and to assist in identifying and apprehending persons who commit such acts.  Requires that national banks file a Suspicious Activity Report when they detect a known or suspected violation of Federal law or a suspicious transaction related to a money laundering activity or a violation of the Bank Secrecy Act.  Prescribes that all national banks and savings associations establish and maintain procedures reasonably designed to assure and monitor their compliance with the requirements of subchapter II of chapter 53 of title 31, United States Code, and the implementing regulations promulgated thereunder by the Department of the Treasury at 31 CFR Chapter X.

PART 22—LOANS IN AREAS HAVING SPECIAL FLOOD HAZARDS

Implements the requirements of the National Flood Insurance Act of 1968 and the Flood Disaster Protection Act of 1973, as amended.

PART 23—LEASING

Sets forth standards for personal property lease financing transactions authorized for national banks.

PART 25—COMMUNITY REINVESTMENT ACT AND INTERSTATE DEPOSIT PRODUCTION REGULATIONS

Establishes the framework and criteria by which the Office of the Comptroller of the Currency (OCC) assesses a bank’s record of helping to meet the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with the safe and sound operation of the bank; and provides that the OCC takes that record into account in considering certain applications.

PART 26—MANAGEMENT OFFICIAL INTERLOCKS

Fosters competition by generally prohibiting a management official from serving two nonaffiliated depository organizations in situations where the management interlock likely would have an anticompetitive effect.

PART 28—INTERNATIONAL BANKING ACTIVITIES

Sets forth filing requirements for national banks that engage in international operations and clarifies permissible foreign activities of national banks.

PART 30—SAFETY AND SOUNDNESS STANDARDS

Establishes procedures for requiring submission of a compliance plan and issuing an enforceable order pursuant to section 39 of the FDI Act, 12 U.S.C. 1831p-1. The Interagency Guidelines Establishing Standards for Safety and Soundness are set forth in appendix A to this part, and the Interagency Guidelines Establishing Information Security Standards are set forth in appendix B to this part. The OCC Guidelines Establishing Standards for Residential Mortgage Lending Practices are set forth in appendix C to this part. The OCC Guidelines Establishing Heightened Standards for Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches are set forth in appendix D to this part. The OCC Guidelines Establishing Standards for Recovery Planning by Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches are set forth in appendix E to this part.

PART 32—LENDING LIMITS

Protects the safety and soundness of national banks and savings associations by preventing excessive loans to one person, or to related persons that are financially dependent, and promotes diversification of loans and equitable access to banking services.

PART 34—REAL ESTATE LENDING AND APPRAISALS

Sets forth standards for real estate-related lending and associated activities by national banks.

PART 35—DISCLOSURE AND REPORTING OF CRA-RELATED AGREEMENTS

Requires any nongovernmental entity or person, insured depository institution, or affiliate of an insured depository institution that enters into a CRA-related agreement to make the agreement available to the public and the appropriate Federal banking agency; and file an annual report with the appropriate Federal banking agency concerning the agreement.

PART 37—DEBT CANCELLATION CONTRACTS AND DEBT SUSPENSION AGREEMENTS

Sets forth the standards that apply to debt cancellation contracts and debt suspension agreements entered into by national banks. The purpose of these standards is to ensure that national banks offer and implement such contracts and agreements consistent with safe and sound banking practices, and subject to appropriate consumer protections.

PART 43—CREDIT RISK RETENTION

Requires securitizers to retain an economic interest in a portion of the credit risk for any asset that the securitizer, through the issuance of an asset-backed security, transfers, sells, or conveys to a third party. This part specifies the permissible types, forms, and amounts of credit risk retention, and it establishes certain exemptions for securitizations collateralized by assets that meet specified underwriting standards.

PART 44—PROPRIETARY TRADING AND CERTAIN INTERESTS IN AND RELATIONSHIPS WITH COVERED FUNDS

Implements section 13 of the Bank Holding Company Act by defining terms used in the statute and related terms, establishing prohibitions and restrictions on proprietary trading and on investments in or relationships with covered funds, and explaining the statute’s requirements.

PART 45—MARGIN AND CAPITAL REQUIREMENTS FOR COVERED SWAP ENTITIES

Implements section 4s of the Commodity Exchange Act of 1936 and section 15F of the Securities Exchange Act of 1934 by defining terms used in the statute and related terms, establishes capital and margin requirements for any for any national bank or subsidiary thereof, Federal savings association or subsidiary thereof, or Federal branch or agency of a foreign bank that is registered as a swap dealer, major swap participant, security-based swap dealer, or major security-based swap participant with respect to all non-cleared swaps and non-cleared security-based swaps.

PART 46—ANNUAL STRESS TEST

Requires a national bank or Federal savings association with total consolidated assets of more than $10 billion to conduct an annual stress test and establishes a definition of stress test, methodologies for conducting stress tests, and reporting and disclosure requirements.

PART 48—RETAIL FOREIGN EXCHANGE TRANSACTIONS

Establishes rules applicable to retail foreign exchange transactions engaged in by national banks.

PART 50—LIQUIDITY RISK MEASUREMENT STANDARDS

Establishes a minimum liquidity standard for certain national banks and Federal savings associations on a consolidated basis.

PART 100—RULES APPLICABLE TO SAVINGS ASSOCIATIONS

Privides that the regulations set forth in parts 1 through 197 of this chapter I applying to Federal savings associations and state savings associations, as those terms are defined in section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813(b)), supersede corresponding regulations set forth in parts 500 through 591 of chapter V of the Code of Federal Regulations that were applicable to such entities prior to July 21, 2011.

PART 109—RULES OF PRACTICE AND PROCEDURE IN ADJUDICATORY PROCEEDINGS

Prescribes uniform rules of practice and procedure with regard to Federal savings associations applicable to adjudicatory proceedings.

PART 112—RULES FOR INVESTIGATIVE PROCEEDINGS AND FORMAL EXAMINATION PROCEEDINGS

Prescribes rules of practice and procedure applicable to the conduct of formal examination proceedings with respect to Federal savings associations and their affiliates under section 5(d)(1)(B) of the HOLA, as amended, 12 U.S.C. 1464(d)(1)(B) or section 7(j)(15) of the Federal Deposit Insurance Act, as amended, 12 U.S.C. 1817(j)(15) (“FDIA”), section 8(n) of the FDIA, 12 U.S.C. 1818(n), or section 10(c) of the FDIA, 12 U.S.C. 1820(c).

PART 151—RECORDKEEPING AND CONFIRMATION REQUIREMENTS FOR SECURITIES TRANSACTIONS

Establishes recordkeeping and confirmation requirements that apply when a Federal savings association effects certain securities transactions for customers.

PART 155—ELECTRONIC OPERATIONS

Describes how a Federal savings association may provide products and services through electronic means and facilities.

PART 167—CAPITAL

Prescribes the minimum regulatory capital requirements for Federal savings associations.

PART 168—SECURITY PROCEDURES

Requires each Federal savings association to adopt appropriate security procedures to discourage robberies, burglaries, and larcenies and to assist in the identification and prosecution of persons who commit such acts.

PART 191—PREEMPTION OF STATE DUE-ON-SALE LAWS

A permanent preemption of state prohibitions on the exercise of due-on-sale clauses by all lenders and reaffirms the authority of Federal savings associations to enforce due-on-sale clauses, and to confer on other lenders generally comparable authority with respect to the exercise of such clauses.

PART 192—CONVERSIONS FROM MUTUAL TO STOCK FORM

Governs how a savings association may convert from the mutual to the stock form of ownership.

PART 195—COMMUNITY REINVESTMENT

Establishes the framework and criteria by which the appropriate Federal banking agency assesses a savings association’s record of helping to meet the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with the safe and sound operation of the savings association; and provides that the appropriate Federal banking agency take that record into account in considering certain applications.