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OCC Bulletin 2021-52 | October 28, 2021

Revised Comptroller’s Handbook Booklet and Rescissions

To

Chief Executive Officers of All National Banks, Federal Savings Associations, and Federal Branches and Agencies; Department and Division Heads; All Examining Personnel; and Other Interested Parties

Summary

The Office of the Comptroller of the Currency (OCC) today issued version 2.0 of the “Retail Lending” booklet of the Comptroller’s Handbook*.* This booklet discusses risks associated with retail lending and provides a framework for examiners’ evaluations of risk management activities.

Rescissions

With the issuance of this revised booklet, the following documents are rescinded:

  • OCC Bulletin 2017-15, “Retail Lending: New Comptroller's Handbook Booklet”
  • “Retail Lending” booklet of the Comptroller’s Handbook, version 1.1

Note:

Note for Community Banks

The “Retail Lending” booklet applies to the OCC’s supervision of community banks1 engaged in retail lending.

Highlights

The revised booklet

  • reflects changes to laws and regulations since this booklet was last updated.
  • reflects OCC issuances published and rescinded since this booklet was last updated.
  • includes clarifying edits regarding supervisory guidance, sound risk management practices, and legal language.
  • revises certain content for general clarity. 

Further Information

Please contact Steven Jones, Director for Retail Credit Risk, at (202) 649-6770. Grovetta N. Gardineer Senior Deputy Comptroller for Bank Supervision Policy

  • “Retail Lending” 1 “Banks” refers collectively to national banks, federal savings associations, and federal branches and agencies of foreign banking organizations.

Topic(s):