Rescinded OTS Regulatory Bulletins

OTS issuances are rescinded because they are outdated, have been replaced, or have been incorporated into other relevant guidance.

Number	Date	Title	Comment
RB 38-4	07/01/2010	Trust and Asset Management - Exam Administration	Rescinded 01/06/2012. Conveyance[3]
RB 38-3	05/20/2010	Individual Retirement Accounts	Rescinded 01/06/2012. Conveyance[3]
RB 38-2	02/25/2010	Pre-Need Funeral and Cemetery Trusts	Rescinded 01/06/2012. Conveyance[3]
RB 38-1	01/26/2010	Document Custody	Rescinded 01/06/2012. Conveyance[3]
RB 37a	10/30/2006	Examination Handbook	Rescinded 01/06/2012. Conveyance[3]
RB 37-70	05/02/2011	Truth in Lending Act	Rescinded 01/06/2012. Conveyance[3]
RB 37-69	02/10/2011	One- to Four-Family Residential Real Estate Lending	Rescinded 01/06/2012. Conveyance[3]
RB 37-68	02/10/2011	Exam Scheduling, Scoping, and Management	Rescinded 01/06/2012. Conveyance[3]
RB 37-67	01/04/2011	Fair Credit Reporting Act - Risk-based Pricing Notices	Rescinded 01/06/2012. Conveyance[3]
RB 37-66	12/29/2010	Real Estate Owned and Repossessed Assets	Rescinded 01/06/2012. Conveyance[3]
RB 37-65	12/14/2010	Electronic Fund Transfer Act	Rescinded 01/06/2012. Conveyance[3]
RB 37-64	11/05/2010	Sampling	Rescinded 01/06/2012. Conveyance[3]
RB 37-63	10/04/2010	Truth in Lending	Rescinded 01/06/2012. Conveyance[3]
RB 37-62	09/21/2010	Capital Adequacy	Rescinded 01/06/2012. Conveyance[3]
RB 37-61	09/14/2010	Truth in Savings	Rescinded 01/06/2012. Conveyance[3]
RB 37-60	08/31/2010	Fair Credit Reporting Act - Financial Institutions as Furnishers of Information	Rescinded 01/04/2011. Rescinded by RB 37-67
RB 37-59	07/13/2010	Truth in Lending	Rescinded 10/04/2010. Rescinded by RB 37-63
RB 37-58	07/01/2010	Classification of Assets	Rescinded 01/06/2012. Conveyance[3]
RB 37-57	06/22/2010	Electronic Fund Transfer Act	Rescinded 12/14/2010. Rescinded by RB 37-65
RB 37-56	06/22/2010	Reserve Requirements and Interest on Deposits	Rescinded 01/06/2012. Conveyance[3]
RB 37-55	05/20/2010	Unlawful Internet Gambling Act of 2006	Rescinded 01/06/2012. Conveyance[3]
RB 37-54	05/18/2010	Fraud and Insider Abuse	Rescinded 01/06/2012. Conveyance[3]
RB 37-53	05/07/2010	Unfair or Deceptive Acts or Practices - FTC Act	Rescinded 01/06/2012. Conveyance[3]
RB 37-52	04/02/2010	Truth in Lending	Rescinded 10/04/2010. Rescinded by RB 37-63
RB 37-51	01/15/2010	Liquidity Risk Management and Investment Securities	Rescinded 01/06/2012. Conveyance[3]
RB 37-50	12/18/2009	Truth in Savings Act	Rescinded 09/14/2010. Rescinded by RB 37-61
RB 37-49	12/16/2009	Real Estate Settlement Procedures Act	Rescinded 01/06/2012. Conveyance[3]
RB 37-48	11/03/2009	Truth in Lending	Rescinded 01/06/2012. Conveyance[3]
RB 37-47	10/27/2009	Internal Control	Rescinded 01/06/2012. Conveyance[3]
RB 37-46	10/15/2009	Home Mortgage Disclosure Act	Rescinded 01/06/2012. Conveyance[3]
RB 37-45	10/14/2009	Other Commercial Lending	Rescinded 01/06/2012. Conveyance[3]
RB 37-44	09/29/2009	Truth in Lending	Rescinded 04/02/2010. Rescinded by RB 37-52
RB 37-43	09/16/2009	New Activities and Services	Rescinded 01/06/2012. Conveyance[3]
RB 37-42	09/02/2009	RE Settlement Procedures Act	Rescinded 01/06/2012. Conveyance[3]
RB 37-41	08/28/2009	Fair Lending Examination Procedures	Rescinded 01/06/2012. Conveyance[3]
RB 37-40	08/28/2009	Truth-in-Lending Act	Rescinded 01/06/2012. Conveyance[3]
RB 37-39	06/11/2009	Classification of Assets	Rescinded 07/01/2010. Rescinded by RB 37-58
RB 37-38	06/04/2009	Servicemembers Civil Relief Act	Rescinded 01/06/2012. Conveyance[3]
RB 37-37	05/05/2009	Electronic Fund Transfer Act	Rescinded 06/22/2010. Rescinded by RB 37-57
RB 37-36	04/29/2009	Truth in Lending and Consumer Leasing Act	Rescinded 01/06/2012. Conveyance[3]
RB 37-35	04/16/2009	Conduct of Agency Personnel	Rescinded 01/06/2012. Conveyance[3]
RB 37-34	04/02/2009	Truth in Savings, Regulation DD	Rescinded 12/18/2009. Rescinded by RB 37-50
RB 37-33	03/26/2009	Reserve Requirements (Regulation D)	Rescinded 06/22/2010. Rescinded by RB 37-56
RB 37-32	02/27/2009	Examination Scheduling, Scoping, and Management	Rescinded 02/2010/11. Rescinded by RB 37-68
RB 37-31	01/22/2009	Corporate Governance and Oversight by the Board of Directors	Rescinded 01/06/2012. Conveyance[3]
RB 37-30	01/22/2009	Income Property Lending	Rescinded 01/06/2012. Conveyance[3]
RB 37-29	11/24/2008	Equal Credit Opportunity	Rescinded 01/06/2012. Conveyance[3]
RB 37-28	11/13/2008	Mortgage Banking	Rescinded 01/06/2012. Conveyance[3]
RB 37-27	10/24/2008	Information Technology Risks and Controls and Fair Credit Reporting Act	Rescinded 10/24/2008. Conveyance[3]
RB 37-26	10/08/2008	Consumer Credit Extended to Service Members and Dependents	Rescinded 01/06/2012. Conveyance[3]
RB 37-25	10/03/2008	Fair Credit Reporting Act Affiliate Marketing Regulation	Rescinded 08/31/2010. Rescinded by RB 37-60
RB 37-24	09/17/2008	One-to Four-Family Residential Real Estate Lending	Rescinded 01/06/2012. Conveyance[3]
RB 37-23	07/18/2008	Enforcement Actions	Rescinded 01/06/2012. Conveyance[3]
RB 37-22	05/07/2008	Fair Credit Reporting Act, Controlling the Assault of Non-Solicited Pornography and Marketing Act, Telephone Consumer Protection Act, and Junk Fax Prevention Act	Rescinded 08/31/2010. Rescinded by RB 37-60
RB 37-21	12/13/2007	Loans to One Borrower	Rescinded 01/06/2012. Conveyance[3]
RB 37-20	07/31/2007	Mortgage Banking	Rescinded 11/13/2008. Rescinded by RB 37-28
RB 37-19	07/02/2007	Community Reinvestment Act Examination Handbook	Rescinded 01/06/2012. Conveyance[3]
RB 37-18	03/21/2007	One- to Four-Family Residential Real Estate Lending	Rescinded 02/2010/11. Rescinded by RB 37-69
RB 37-17	03/08/2007	Interagency Fair Lending Examination Procedures	Rescinded 08/28/2009. Rescinded by RB 37-41
RB 37-16	05/08/2006	Credit Card Lending	Rescinded 01/06/2012. Conveyance[3]
RB 37-15	04/20/2006	Information Technology Risks and Controls	Rescinded 10/24/2008. Rescinded by RB 37-27
RB 37-14	03/13/2006	Examination Systems	Rescinded 02/2010/11. Rescinded by RB 37-68
RB 37-13	02/23/2006	Fair Credit Reporting Act, Controlling the Assault of Non-Solicited Pornography and Marketing Act, and Telephone Consumer Protection Act	Rescinded 05/07/2008. Rescinded by RB 37-22
RB 37-12	02/23/2006	Transactions with Affiliates and Insiders	Rescinded 01/06/2012. Conveyance[3]
RB 37-11	06/16/2005	Lending Operations and Portfolio Risk Management, LTOB, 1-4 Family Mortgage	Rescinded 01/06/2012. Conveyance[3]
RB 37-10	02/18/2005	Check 21	Rescinded 01/06/2012. Conveyance[3]
RB 37-9	02/18/2005	Home Mortgage Disclosure Act	Rescinded 10/15/2009. Rescinded by RB 37-46
RB 37-8	11/30/2004	Compliance Oversight Examination Program	Rescinded 01/06/2012. Conveyance[3]
RB 37-7	11/30/2004	Financial Records and Reports	Rescinded 01/06/2012. Conveyance[3]
RB 37-6	11/30/2004	Management Assessment	Rescinded 01/06/2012. Conveyance[3]
RB 37-5	11/30/2004	Oversight by the Board of Directors	Rescinded 01/25/2009. Rescinded by RB 37-31
RB 37-4	11/30/2004	Ratings: Developing, Assigning, and Presenting	Rescinded 02/2010/11. Rescinded by RB 37-68
RB 37-3	11/30/2004	Examination Scheduling, Scoping, and Management	Rescinded 02/28/2009. Rescinded by RB 37-31
RB 37-2	11/30/2004	Examination Systems	Rescinded 03/13/2006. Rescinded by RB 37-14
RB 37-1	11/30/2004	Handbook and Program Use	Rescinded 01/06/2012. Conveyance[3]
RB 37	11/30/2004	Examination Handbook	Rescinded 10/30/2006. Rescinded by RB 37a
RB 36-1	01/29/2004	Compliance Activities Handbook Update	Rescinded 11/20/2013. Outdated[1]
RB 34	06/08/2001	Examiner Guidance on Wholesale Borrowings	Rescinded 05/17/2012. Replaced[4] by Comptroller's Handbook - Liquidity
RB 33a	03/13/1996	New FDIC “Pass-Through” Deposit Insurance Coverage Disclosure Rule	Rescinded 03/05/2020. Conveyance[3] – See OCC 2020-11
RB 33	08/31/1995	New FDIC "Pass-through" Deposit Insurance Coverage Disclosure Rule	Rescinded 03/13/1996. Rescinded by RB 33a
RB 32-34	01/07/2004	Networking Arrangements	Rescinded 01/06/2012. Conveyance[3]
RB 32-33	12/18/2003	Capital Stock and Ownership	Rescinded 01/06/2012. Conveyance[3]
RB 32-32	12/02/2003	Liquidity Management	Rescinded 01/15/2010. Rescinded by RB 37-51
RB 32-31	11/20/2003	Capital Adequacy	Rescinded 09/21/2010. Rescinded by RB 37-62
RB 32-30	09/23/2003	Asset-Backed Securitizations	Rescinded 01/06/2012. Conveyance[3]
RB 32-29	08/05/2003	Operations Analysis	Rescinded 01/06/2012. Conveyance[3]
RB 32-28	06/06/2003	Enforcement Actions	Rescinded 07/18/2008. Rescinded by RB 37-23
RB 32-27	03/14/2003	Conduct of Agency Personnel	Rescinded 04/16/2009. Rescinded by RB 37-35
RB 32-26	07/31/2002	Other Assets and Liabilities	Rescinded 01/06/2012. Conveyance[3]
RB 32-25	07/25/2002	External Audit	Rescinded 01/06/2012. Conveyance[3]
RB 32-24	06/19/2002	QTL, Financial Records and Reports, Present Value Analysis	Rescinded 01/06/2012. Conveyance[3]
RB 32-23	02/13/2002	Internal Control, External Audit, Internal Audit, Fraud and Insider Abuse	Rescinded 01/06/2012. Conveyance[3]
RB 32-22	01/07/2002	Overall Conclusions, TDR's, Meetings with the BOD	Rescinded 01/06/2012. Conveyance[3]
RB 32-21	01/07/2002	Technology Risk Controls	Rescinded 04/20/2006. Rescinded by RB 37-15
RB 32-20	11/26/2001	Regulatory Profile	Rescinded 11/30/2004. Rescinded by RB 37-2
RB 32-19	11/01/2001	Capital Stock/ Ownership, Operations Analysis	Rescinded 08/05/2003 and 12/18/2003. Rescinded by RB 32-29 and RB 32-33
RB 32-18	04/12/2001	Funds Management, Investment Securities, and Derivative Instruments and Hedging	Rescinded 01/06/2012. Conveyance[3]
RB 32-17	01/14/2000	Consumer Lending	Rescinded 01/06/2012. Conveyance[3]
RB 32-16	12/30/1999	Appendix A, Corporate-Owned Life Insurance (Other Assets/ Liabilities	Rescinded 07/31/2002. Rescinded by RB 32-26
RB 32-15	11/18/1999	Capital Stock and Ownership, Cash Flow and Liquidity, Interest Rate Risk Management	Rescinded 01/06/2012. Conveyance[3]
RB 32-14	07/12/1999	Conduct of Agency Personnel	Rescinded 03/14/2003. Rescinded by RB 32-27
RB 32-13	06/28/1999	RADS, Leasing Activities, Equity Investments	Rescinded 01/06/2012. Conveyance[3]
RB 32-12	06/18/1999	Oversight by the BOD, Management Assessment, TWA	Rescinded 11/30/2004 and 02/23/2006. Rescinded by RB 37-5, RB 37-6, and RB 37-12
RB 32-11	04/19/1999	Other Assets and Liabilities, REO and Other Repossessed Assets, Fixed Assets	Rescinded 01/06/2012. Conveyance[3]
RB 32-10	03/17/1999	Exam Strategy, CAMELS Ratings, Margin Securities	Rescinded 01/06/2012. Conveyance[3]
RB 32-9	01/28/1999	QTL	Rescinded 06/19/2002. Rescinded by RB 32-24
RB 32-8	09/18/1998	EDS ROE, Reg Plan, TDRs, Fraud and Insider Abuse, Fin Records, Reports, Operations Analysis, Deposits, Borrowed Funds	Rescinded 01/06/2012. Conveyance[3]
RB 32-7	05/28/1998	Handbook Use, Program Use, Conduct of Agency Personnel, Overall Conclusions, Margin Securities, Meetings with BOD	Rescinded 01/06/2012. Conveyance[3]
RB 32-6	10/15/1997	Information Technology	Rescinded 01/07/2002. Rescinded by RB 32-21
RB 32-5	12/23/1996	Qualified Thrift Lender Test	Rescinded 01/28/1999. Rescinded by RB 32-9
RB 32-4 App.	05/07/1993	Appendices: A - SEC Policy Bank Mutual Fund Names; B - SEC Policy Networking Arrangements; C - Questions/ Answers Non-deposit Investment Products	Rescinded 01/07/2004. Rescinded by RB 32-34
RB 32-4	04/25/1996	Non-deposit Investment Sales	Rescinded 01/07/2004. Rescinded by RB 32-34
RB 32-3	09/25/1995	Sampling	Rescinded 11/05/2010. Rescinded by RB 37-64
RB 32-2	08/22/1995	Examination Strategy; PERK; and Work Paper Documentation	Rescinded 03/17/1999. Rescinded by RB 32-10 and PERK revisions
RB 32-1	08/16/1995	Independent Audits of Thrift Institutions	Rescinded 02/13/2002. Rescinded by RB 32-23
RB 32	12/29/1994	Valuation and Classification of Troubled, Collateral-Dependent Loans	Rescinded 12/29/1994. Incorporated into Thrift Activities 260
RB 31	08/26/1993	Classification of Assets	Rescinded 01/13/1995. Incorporated into Thrift Activities 260
RB 30	01/25/1993	Guidance on the Use of Salvage Powers to Exceed Loans to One Borrower Limitations	Rescinded 01/13/1995. Incorporated into Thrift Activities 211
RB 29	11/23/1992	Conclusive Presumption of Worthlessness of Debts Held by Savings Associations	Rescinded 08/26/1993. Incorporated into Thrift Activities 260
RB 28	11/09/1992	Issuance of Certificates of Corporate Existence	Rescinded 03/05/2020. Outdated[1] – See OCC 2020-11 For more recent information, refer to Freedom of Information Act information on the OCC’s website.
RB 27b	06/13/2001	Compensation	Rescinded 01/25/2009. Rescinded by RB 37-31
RB 27a	03/05/1993	Executive Compensation	Rescinded 04/18/2001. Incorporated into Thrift Activities 310
RB 27	11/08/1991	Executive Compensation	Rescinded 01/13/1995. Rescinded by RB 27a
RB 26	04/26/1991	Capital Requirements Recourse Arrangements (Interim)	Rescinded 11/29/2001. Rescinded by the Interagency Rule on Capital Treatment of Recourse, Direct Credit Substitutes and Residual Interests in Asset Securitizations
RB 25	02/18/1990	Guidelines for Implementation and Use of the Regulatory Handbook Series	Rescinded 01/13/1995. Rescinded by current guidance addressed in the Administration chapters of the Thrift Activities and Holding Company Handbooks
RB 24	02/08/1990	Guidelines for Approval of Higher Loans-to-One-Borrower Limits	Rescinded 10/21/1991. Incorporated into Thrift Activities 211
RB 23	02/01/1990	Prohibition on Brokered Deposits Held at Undercapitalized Thrifts	Rescinded 10/21/1991. Incorporated into Thrift Activities 460 (560 1/1994)
RB 22	12/06/1989	Transfers of Below Investment/ Noninvestment Grade Corporate Securities in Exchange for Qualified Notes	Rescinded 01/13/1995. Compliance mandatory by 7/1/1994
RB 21	11/28/1989	Servicing Contacts	Rescinded 01/13/1995. Incorporated into Thrift Activities 340
RB 20a	06/01/2001	Investigation of Applicants Proposing to Directly or Indirectly Acquire Control of or to Exercise Control or a Controlling Influence Over OTS Regulated Savings Institutions and Savings and Loan Holding Companies	Rescinded 03/05/2020. Replaced[4] – See OCC 2020-11 Replaced by Comptroller’s Licensing Manual, “Background Investigations.”
RB 20	11/20/1989	Proper Investigation of Applicants and Increased Communications Between the OTS and Other Financial Institution Regulatory Agencies	Rescinded 06/01/2001. Rescinded by RB 20a
RB 19	10/13/1989	Guidelines for Supervisory Objection to Inclusion of Subordinated Debt as Regulatory Capital	Rescinded 04/18/2001. Obsolete
RB 18-6	03/31/2004	Supplemental Guidance on the Bank Secrecy Act and Anti-Money Laundering Programs	Rescinded 11/20/2013. Replaced[4] by OCC Bulletin 2007-36
RB 18-5	07/17/1990	Enforcement Policy Statement on the Confidentiality of Administrative Proceedings	Rescinded 10/21/1991. Incorporated into Thrift Activities 150 (370 1/1994)
RB 18-4	06/13/1990	Enforcement Policy Statement on Use of Formal Examination and Investigation Authority	Rescinded 04/18/1994. Rescinded by RB 18-1b
RB 18-3b	12/03/2009	Enforcement Policy Statement on Civil Money Penalties	Rescinded 02/26/2016. Rescinded by PPM 5000-7 (REV)
RB 18-3a	07/30/1993	Enforcement Policy Statement on Civil Money Penalties	Rescinded 12/03/2009. Rescinded by RB 18-3b
RB 18-3	06/13/1990	Enforcement Policy Statement on Civil Money Penalties	Rescinded 07/30/1993. Rescinded by RB 18-3a
RB 18-2	09/27/1989	ERC Policy Statement on Pursuing Administrative Prohibition Actions vs. "Former" S&L Officials	Rescinded 04/18/1994. Rescinded by RB 18-1b
RB 18-1b	04/18/1994	General Enforcement Policy	Rescinded 06/06/2003. Rescinded by RB 32-28
RB 18-1a	06/13/1990	General Enforcement Policy	Rescinded 04/18/1994. Rescinded by RB 18-1b
RB 18-1	09/27/1989	General Enforcement Policy	Rescinded 06/13/1990. Rescinded by RB 18-1a
RB 18	09/27/1989	Issuance of Enforcement Policies	Rescinded 01/06/2012. Replaced[4] by OCC Bulletin 2011-37
RB 17	09/14/1989	Recent Truth in Lending Amendments and Supplemental Examination Procedures	Rescinded 10/21/1991. Incorporated into Compliance Activities 305
RB 16	09/11/1989	Timely and Accurate HMDA Statements	Rescinded 04/18/2001. Incorporated into Compliance Activities 215
RB 15	07/24/1989	Covered Asset Sales	Rescinded 04/18/2001. Incorporated into Thrift Activities 310
RB 14	07/19/1989	Delegation to Principal Supervisory Agents ("PSA's") to Grant or Withhold Approval of Management Interlocks	Rescinded 10/21/1991. Rescinded by Delegation Sections 563f.7 and 584.9
RB 13	06/27/1989	Guidelines for Establishing a Fraud and Insider Abuse Program	Rescinded 01/13/1995. Incorporated into Thrift Activities 360
RB 12	04/28/1989	Sale of Branch Offices to FDIC-Insured Institutions	Rescinded 10/21/1991. No Longer Applicable
RB 11	03/06/1989	Protest and Oral Argument Procedures	Rescinded 12/04/1997. Incorporated into Application Processing Guidelines, 12 CFR Part 516
RB 10	01/01/1989	Exclusion of Holding Company Information from Thrift Reports of Examination	Rescinded 01/13/1995. Rescinded by ROE Instructions
RB 9	12/27/1988	Purpose and Use of Compliance: A Self-Assessment Guide	Rescinded 12/19/2002. Rescinded by CEO 171 and the revised Compliance Self-Assessment Guide
RB 8	12/13/1988	Guidelines for Referral of Bank Secrecy Act Violations for Civil or Criminal Penalties	Rescinded 01/13/1995. Incorporated into Compliance Activities 400
RB 7	12/13/1988	Quarterly Statistical Compliance Report for the Bank Secrecy Act	Rescinded 09/30/1996. Rescinded by Section 2226 of the Economic Growth and Regulatory Paper Reduction Act
RB 6	12/12/1988	Adequacy of Valuation Allowances	Rescinded 05/04/1990. Incorporated into Thrift Activities 261
RB 5	11/30/1988	Wavier of Service Corporation Reporting Requirements	Rescinded 05/04/1990. Pursuant to FIRREA
RB 4a	09/20/1993	Supervisory Review Process	Rescinded 07/15/1996. Rescinded by TB 68
RB 4	11/30/1988	Informal Review Process	Rescinded 09/20/1993. Rescinded by RB 4a
RB 3a-1	01/09/1990	Policy Statement on Growth for Savings Associates	Rescinded 11/26/1996. Rescinded by RB 3b
RB 3a	09/07/1988	Policy Statement on Growth for Insured Institutions	Rescinded 01/09/1990. Rescinded by RB 3a-1
RB 3	10/11/1985	Policy on Growth for Insured Institutions	Rescinded 09/07/1988. Rescinded by RB 3a
RB 2-1	11/23/1988	Acceptance of Exchange Offer for New FHLMC Preferred Stock	Rescinded 10/21/1991. Rescinded by Timeframe Elapse
RB 2	08/18/1988	Guidelines for Approving the Purchase or Sale of FHLMC Preferred Stock	Rescinded 01/13/1995. Rescinded by Applications Restructuring Regulations
RB 1-3	05/04/1990	Rescission of Memoranda and Bulletins	Rescinded 10/21/1991. Rescinded by RB 1-1a
RB 1-2	12/06/1989	Rescission of Obsolete Savings Account T Memoranda	Rescinded 10/21/1991. Rescinded by RB 1-1a
RB 1-1c Errata	07/02/2001	Rescission of Bulletins and Memoranda	Rescinded 05/17/2012. Outdated[1]
RB 1-1c	04/18/2001	Rescission of Bulletins and Memoranda	Rescinded 05/17/2012. Outdated[1]
RB 1-1b	01/13/1995	Rescission of Memoranda and Bulletins	Rescinded 04/18/2001. Rescinded by RB 1-1c
RB 1-1a	10/21/1991	Rescission of Memoranda and Bulletins	Rescinded 01/13/1995. Rescinded by RB 1-1b
RB 1-1	09/06/1989	Rescission of Outstanding Memoranda	Rescinded 10/21/1991. Rescinded by RB 1-1a
RB 1	07/29/1988	Regulatory Bulletin Series - Introduction to Regulatory Bulletins	Rescinded 05/17/2012. Outdated[1]

¹ Information is outdated.

² Replaced by subsequent regulatory guidance.

³ Transferred to OCC as part of OTS integration.

⁴ Replaced by OCC Bulletin.