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Supervision and Examination Publications

  • Shared National Credit Report 2025
  • Quarterly Report on Bank Trading and Derivatives Activities: Third Quarter 2025
  • Semiannual Risk Perspective: Fall 2025
  • Comptroller's Handbook: Unfair or Deceptive Acts or Practices and Unfair, Deceptive, or Abusive Acts or Practices
  • Comptroller's Handbook: Model Risk Management
  • Comptroller's Handbook: Liquidity

All Supervision and Examination Publications

Publication DateTitleVersionCollection
01/12/2026Shared National Credit Report 20252025Shared National Credit Program Report
12/16/2025OCC Report Highlights Key Risks in Federal Banking SystemFall 2025Semiannual Risk Perspective
11/13/2025Comptroller's Handbook: Servicemembers Civil Relief ActNovember 2025Comptroller's Handbook
10/16/2025Interest Rate Risk Statistics ReportFall 2025Interest Rate Risk Statistics Report
08/15/2025Bank Accounting Advisory SeriesAugust 2025N/A
06/30/2025OCC Report Highlights Key Risks in Federal Banking SystemSpring 2025Semiannual Risk Perspective
05/14/2025Interest Rate Risk Statistics ReportSpring 2025Interest Rate Risk Statistics Report
03/10/2025Shared National Credit Report 20242024Shared National Credit Program Report
12/16/2024OCC Reports on Key Risks in Federal Banking SystemFall 2024Semiannual Risk Perspective
12/03/2024Comptroller's Handbook: Unfair or Deceptive Acts or Practices and Unfair, Deceptive, or Abusive Acts or PracticesDecember 2024Comptroller's Handbook
10/21/2024Interest Rate Risk Statistics ReportFall 2024Interest Rate Risk Statistics Report
06/18/2024OCC Report Highlights Key Risks in Federal Banking SystemSpring 2024Semiannual Risk Perspective
06/11/2024Comptroller's Handbook: Retail Nondeposit Investment ProductsJune 2024Comptroller's Handbook
04/18/2024Interest Rate Risk Statistics ReportSpring 2024Interest Rate Risk Statistics Report
02/16/2024Shared National Credit Report 20232023Shared National Credit Program Report
12/07/2023OCC Report Identifies Key Risks Facing Federal Banking SystemFall 2023Semiannual Risk Perspective
10/31/2023Comptroller's Handbook: Telephone Consumer Protection Act Examination Procedures (Interagency)October 2023Comptroller's Handbook
10/19/2023Interest Rate Risk Statistics ReportFall 2023Interest Rate Risk Statistics Report
09/27/2023Comptroller's Handbook: Lease FinancingSeptember 2023Comptroller's Handbook
06/22/2023Comptroller's Handbook: Asset ManagementJune 2023Comptroller's Handbook
06/14/2023OCC Report Identifies Key Risks Facing Federal Banking SystemSpring 2023Semiannual Risk Perspective
05/25/2023Comptroller's Handbook: LiquidityMay 2023Comptroller's Handbook
04/12/2023Interest Rate Risk Statistics ReportSpring 2023Interest Rate Risk Statistics Report
02/24/2023Shared National Credit Report 20222022Shared National Credit Program Report
01/12/2023Comptroller's Handbook: Fair LendingJanuary 2023Comptroller's Handbook
12/15/2022Fair Debt Collection Practices Act Examination Procedures (Interagency)December 2022Comptroller's Handbook
12/08/2022OCC Reports on Key Risks Facing Federal Banking SystemFall 2022Semiannual Risk Perspective
10/17/2022Interest Rate Risk Statistics ReportFall 2022Interest Rate Risk Statistics Report
06/23/2022OCC Reports on Key Risks Facing Federal Banking SystemSpring 2022Semiannual Risk Perspective
04/04/2022Interest Rate Risk Statistics ReportSpring 2022Interest Rate Risk Statistics Report
03/28/2022Comptroller's Handbook: Commercial Real Estate LendingMarch 2022Comptroller's Handbook
03/08/2022Comptroller's Handbook: Large Bank SupervisionMarch 2022Comptroller's Handbook
02/14/2022Shared National Credit Report 20212021Shared National Credit Program Report
12/20/2021Comptroller's Handbook: Other Real Estate OwnedDecember 2021Comptroller's Handbook
12/09/2021Comptroller's Handbook: Home Mortgage DisclosureDecember 2021Comptroller's Handbook
12/06/2021OCC Reports on Risks, Effects of COVID-19 Pandemic on Federal Banking SystemFall 2021Semiannual Risk Perspective
10/28/2021Comptroller's Handbook: Truth in Lending Act (Interagency)October 2021Comptroller's Handbook
10/28/2021Comptroller's Handbook: Retail LendingOctober 2021Comptroller's Handbook
10/21/2021Comptroller's Handbook: Payment SystemsOctober 2021Comptroller's Handbook
10/20/2021Interest Rate Risk Statistics ReportFall 2021Interest Rate Risk Statistics Report
09/22/2021Comptroller's Handbook: EarningsSeptember 2021Comptroller's Handbook
09/22/2021Comptroller's Handbook: Regulatory ReportingSeptember 2021Comptroller's Handbook
09/13/2021Comptroller's Handbook: Problem Bank SupervisionSeptember 2021Comptroller's Handbook
08/18/2021Comptroller's Handbook: Model Risk ManagementAugust 2021Comptroller's Handbook
05/18/2021OCC Report Examines Key Risks, Effects of COVID-19 Pandemic on Federal Banking SystemSpring 2021Semiannual Risk Perspective
04/29/2021Comptroller's Handbook: Credit Card LendingApril 2021Comptroller's Handbook
04/15/2021Comptroller's Handbook: Allowances for Credit LossesApril 2021Comptroller's Handbook
04/01/2021Interest Rate Risk Statistics ReportSpring 2021Interest Rate Risk Statistics Report
02/25/2021Shared National Credit Report 20202020Shared National Credit Program Report
12/21/2020Comptroller's Handbook: ForewordDecember 2020Comptroller's Handbook
11/09/2020OCC Reports Key Risks, Effects of COVID-19 in Federal Banking SystemFall 2020Semiannual Risk Perspective
11/05/2020Director’s Reference Guide to Board Reports and InformationNovember 2020Banker Education
11/05/2020Director's BookNovember 2020Banker Education
10/27/2020Interest Rate Risk Statistics ReportFall 2020Interest Rate Risk Statistics Report
10/26/2020Comptroller's Handbook: Concentrations of CreditOctober 2020Comptroller's Handbook
06/29/2020OCC Highlights Key Risks for Federal Banking SystemSpring 2020Semiannual Risk Perspective
05/26/2020Comptroller's Handbook: Sampling MethodologiesMay 2020Comptroller's Handbook
03/30/2020Comptroller's Handbook: Agricultural LendingMarch 2020Comptroller's Handbook
03/26/2020Comptroller's Handbook: Interest Rate RiskMarch 2020Comptroller's Handbook
03/02/2020Comptroller's Handbook: Protecting Tenants at Foreclosure ActMarch 2020Comptroller's Handbook
01/31/2020Shared National Credit Report 20192019Shared National Credit Program Report
12/09/2019OCC Highlights Key Risks for Federal Banking SystemFall 2019Semiannual Risk Perspective
08/27/2019Comptroller's Handbook: Flood Disaster Protection Act (Interagency)August 2019Comptroller's Handbook
07/25/2019Comptroller's Handbook: Internal and External AuditsJuly 2019Comptroller's Handbook
07/15/2019Key Differences Among National Bank, Federal Savings Association, and Covered Savings Association RequirementsJuly 2019Banker Education
07/15/2019Comptroller's Handbook: Corporate and Risk GovernanceJuly 2019Comptroller's Handbook
05/20/2019OCC Report Highlights Key Risks for Federal Banking SystemSpring 2019Semiannual Risk Perspective
05/14/2019Comptroller's Handbook: Real Estate Settlement Procedures ActMay 2019Comptroller's Handbook
03/15/2019Comptroller's Handbook: Recovery PlanningMarch 2019Comptroller's Handbook
01/25/2019Shared National Credit Report 20182018Shared National Credit Program Report
12/28/2018Comptroller's Handbook: Consigned Items and Other Customer ServicesDecember 2018Comptroller's Handbook
12/28/2018Comptroller's Handbook: Litigation and Other Legal MattersDecember 2018Comptroller's Handbook
12/28/2018Comptroller's Handbook: Bank Premises and EquipmentDecember 2018Comptroller's Handbook
12/03/2018OCC Report Discusses Key Risks for Federal Banking SystemFall 2018Semiannual Risk Perspective
10/15/2018Comptroller's Handbook: Oil and Gas Exploration and Production LendingOctober 2018Comptroller's Handbook
10/15/2018Comptroller's Handbook: Trade Finance and ServicesOctober 2018Comptroller's Handbook
09/12/2018Comptroller's Handbook: Deposit-Related CreditMarch 2020Comptroller's Handbook
07/23/2018Comptroller's Handbook: Capital and DividendsJuly 2018Comptroller's Handbook
06/29/2018Comptroller's Handbook: Community Bank SupervisionSeptember 2019Comptroller's Handbook
06/28/2018Comptroller's Handbook: Bank Supervision ProcessSeptember 2019Comptroller's Handbook
06/28/2018Comptroller's Handbook: Compliance Management SystemsJune 2018Comptroller's Handbook
06/28/2018Comptroller's Handbook: Federal Branches and Agencies SupervisionSeptember 2019Comptroller's Handbook
05/24/2018OCC Report Highlights Key Risks for Federal Banking SystemSpring 2018Semiannual Risk Perspective
05/11/2018Comptroller's Handbook: Military Lending ActMay 2018Comptroller's Handbook
05/01/2018Comptroller's Handbook: Installment LendingMay 2018Comptroller's Handbook
01/31/2018Comptroller's Handbook: Municipal Securities Rulemaking Board RulesJanuary 2018Comptroller's Handbook
01/18/2018OCC Report Highlights Key Risks for Federal Banking SystemFall 2017Semiannual Risk Perspective
09/27/2017Community Bank Summary: Proposed Simplifications to the Capital Rule Pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996September 27, 2017Banker Education
08/02/2017Shared National Credit Report 20172017Shared National Credit Program Report
07/07/2017OCC Report Highlights Risks Facing National Banks and Federal Savings AssociationsSpring 2017Semiannual Risk Perspective
01/15/2017Comptroller's Handbook: Asset-Based LendingJanuary 2017Comptroller's Handbook
01/05/2017OCC Report Highlights Risks Facing National Banks and Federal Savings AssociationsFall 2016Semiannual Risk Perspective
12/15/20162016 Annual Report2016Annual Report
11/29/2016Comptroller's Handbook: Emerging Market Country Products and Trading ActivitiesDecember 1995 (narrative), February 1998 (procedures)Comptroller's Handbook
07/29/2016Shared National Credit Report 20162016Shared National Credit Program Report
07/11/2016OCC Report Discusses Risks Facing National Banks and Federal Savings AssociationsSpring 2016Semiannual Risk Perspective
05/09/2016Comptroller's Handbook: Student LendingFebruary 2017Comptroller's Handbook
02/12/2016Comptroller's Handbook: Country Risk ManagementFebruary 2016Comptroller's Handbook
12/16/2015OCC Report Highlights Top Risks Facing National Banks and Federal Savings AssociationsFall 2015Semiannual Risk Perspective
11/05/2015Shared National Credit Report 20152015Shared National Credit Program Report
10/27/2015Comptroller's Handbook: Floor Plan LendingJanuary 2017Comptroller's Handbook
10/14/2015Guidance on Advanced Approaches 2015-2: Supervisory Work Programs for Reviewing Advanced Approaches Banks' Use of Internal Ratings-Based Approaches for Credit RiskOctober 14, 2015Guidance on Advanced Approaches
06/30/2015OCC Report Discusses Risks Facing National Banks and Federal Savings AssociationsSpring 2015Semiannual Risk Perspective
06/25/2015Comptroller's Handbook: Collective Investment FundsMay 2014Comptroller's Handbook
06/15/2015Comptroller's Handbook: Residential Real Estate LendingJanuary 2017Comptroller's Handbook
05/19/2015Guidance 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 RuleMay 19, 2015Guidance on Advanced Approaches
02/10/2015Comptroller's Handbook: Personal Fiduciary ActivitiesFebruary 2015Comptroller's Handbook
01/22/2015Comptroller's Handbook: Government Securities ActJanuary 2015Comptroller's Handbook
01/14/2015Comptroller's Handbook: Conflicts of InterestJanuary 2015Comptroller's Handbook
12/17/2014OCC Highlights Key Risks Facing National Banks and Federal Savings AssociationsFall 2014Semiannual Risk Perspective
11/07/2014Shared National Credit Report 20142014Shared National Credit Program Report
10/23/2014Guidance on Advanced Approaches 2014-3: Selection of Reference Data Periods and Approaches to Data Deficiencies When Quantifying Retail and Wholesale Risk ParametersOctober 23, 2014Guidance on Advanced Approaches
10/10/2014Guidance on Advanced Approaches 2014-2: Guidance Relating to Notifications of Material Changes to Advanced Systems and Modeling ChangesOctober 10, 2014Guidance on Advanced Approaches
08/28/2014Comptroller's Handbook: Electronic Fund Transfer Act (Interagency)March 2019Comptroller's Handbook
08/20/2014Comptroller's Handbook: Merchant ProcessingAugust 2014Comptroller's Handbook
06/30/2014Guidance on Advanced Approaches 2014-1: Supervisory Guidance for Data, Modeling, and Model Risk Management Under the Operational Risk Advanced Measurement ApproachesJune 30, 2014Guidance on Advanced Approaches
06/25/2014OCC Report Examines Risks Facing National Banks and Federal Savings AssociationsSpring 2014Semiannual Risk Perspective
04/01/2014Comptroller's Handbook: Garnishment of Accounts Containing Federal Benefit PaymentsNovember 1995Comptroller's Handbook
02/12/2014Comptroller's Handbook: Retirement Plan Products and ServicesFebruary 2014Comptroller's Handbook
02/07/2014Comptroller's Handbook: Mortgage BankingFebruary 2014Comptroller's Handbook
12/19/2013OCC Report Focuses on Risks Facing National Banks and Federal Savings AssociationsFall 2013Semiannual Risk Perspective
11/06/2013Comptroller's Handbook: Insider ActivitiesNovember 2013Comptroller's Handbook
11/06/2013Comptroller's Handbook: Qualified Thrift LenderNovember 2013Comptroller's Handbook
10/28/2013Guidance on Advanced Approaches 2013-1: Implementing the Supervisory Formula Approach for Securitization ExposuresOctober 28, 2013Guidance on Advanced Approaches
10/10/2013Shared National Credit Report 20132013Shared National Credit Program Report
07/15/2013New Capital Rule Quick Reference GuideJuly 2013Banker Education
06/18/2013OCC Report Focuses on Risks Facing National Banks and Federal Savings AssociationsSpring 2013Semiannual Risk Perspective
03/13/2013Common Sense Approach to Community Banking2013Banker Education
12/20/2012OCC Report Focuses on Risks Facing National Banks and Federal Savings AssociationsFall 2012Semiannual Risk Perspective
08/27/2012Shared National Credit Report 20122012Shared National Credit Program Report
08/23/2012Comptroller's Handbook: Unique and Hard-to-Value AssetsAugust 2012Comptroller's Handbook
07/12/2012OCC Report Discusses Risks Facing National Banks and Federal Savings AssociationsSpring 2012Semiannual Risk Perspective
04/16/2012Comptroller's Handbook: SAFE ActApril 2012Comptroller's Handbook
10/15/2011Comptroller's Handbook: Privacy of Consumer Financial InformationOctober 2011Comptroller's Handbook
08/25/2011Shared National Credit Report 20112011Shared National Credit Program Report
06/15/2011Comptroller's Handbook: Asset Management Operations and ControlsJanuary 2011Comptroller's Handbook
05/15/2011Comptroller's Handbook: Homeownership Counseling Examination ProceduresJune 2011Comptroller's Handbook
04/15/2011Joint Implementation Plan, Dodd-Frank Sections 301-326April 2011Banker Education
09/28/2010Shared National Credit Report 20102010Shared National Credit Program Report
08/15/2010Comptroller's Handbook: Depository ServicesAugust 2010Comptroller's Handbook
09/24/2009Shared National Credit Report 20092009Shared National Credit Program Report
08/15/2009Comptroller's Handbook: Other Consumer Protection Laws and RegulationsAugust 2009Comptroller's Handbook
10/08/2008Shared National Credit Report 20082008Shared National Credit Program Report
04/11/2008Leading Practice Disclosures for Selected ExposuresApril 11, 2008Banker Education
03/06/2008Observations on Risk Management Practices during the Recent Market TurbulenceMarch 6, 2008Banker Education
02/15/2008Comptroller's Handbook: Leveraged LendingFebruary 2008Comptroller's Handbook
12/15/2007Comptroller's Handbook: Internal Control Questionnaires/Verification ProceduresDecember 2007Comptroller's Handbook
09/25/2007Shared National Credit Report 20072007Shared National Credit Program Report
09/08/2006Shared National Credit Report 20062006Shared National Credit Program Report
09/15/2005Shared National Credit Report 20052005Shared National Credit Program Report
09/15/2004Shared National Credit Report 20042004Shared National Credit Program Report
08/15/2004Comptroller's Handbook: Related OrganizationsAugust 2004Comptroller's Handbook
09/10/2003Shared National Credit Report 20032003Shared National Credit Program Report
09/08/2002Shared National Credit Report 20022002Shared National Credit Program Report
06/01/2002Comptroller's Handbook: Insurance ActivitiesJune 2002Comptroller's Handbook
01/15/2002Comptroller's Handbook: Custody ServicesJanuary 2002Comptroller's Handbook
10/05/2001Shared National Credit Report 20012001Shared National Credit Program Report
08/15/2001Comptroller's Handbook: Investment Management ServicesAugust 2001Comptroller's Handbook
04/15/2001Comptroller's Handbook: Rating Credit RiskApril 2001Comptroller's Handbook
01/15/2001Comptroller's Handbook: Internal ControlJanuary 2001Comptroller's Handbook
10/10/2000Shared National Credit Report 20002000Shared National Credit Program Report
03/15/2000Comptroller's Handbook: Accounts Receivable and Inventory FinancingMarch 2000Comptroller's Handbook
11/10/1999Shared National Credit Report 19991999Shared National Credit Program Report
05/15/1999Comptroller's Handbook: Community Reinvestment Act Examination ProceduresJune 2018Comptroller's Handbook
04/15/1998Comptroller's Handbook: Loan Portfolio ManagementApril 1998Comptroller's Handbook
11/15/1997Comptroller's Handbook: Asset SecuritizationNovember 1997Comptroller's Handbook
03/15/1997Comptroller's Handbook: Due From BanksMarch 1990 (narrative), March 1998 (procedures)Comptroller's Handbook
01/15/1997Comptroller's Handbook: Risk Management of Financial DerivativesJanuary 1997 (narrative), February 1998 (procedures)Comptroller's Handbook
10/15/1996Comptroller's Handbook: Fair Credit ReportingOctober 1996Comptroller's Handbook
06/15/1996Comptroller's Handbook: Allowance for Loan and Lease LossesJune 1996 (narrative), May 1998 (procedures)Comptroller's Handbook
09/09/1995Comptroller's Handbook: Futures Commission Merchant ActivitiesNovember 1995Comptroller's Handbook
12/01/1992An Examiner's Guide to Investment Products and Practices1992N/A
03/15/1991Comptroller's Handbook: Other Assets (and Other Liabilities)March 1991Comptroller's Handbook
03/15/1990Comptroller's Handbook: Bank Dealer ActivitiesMarch 1990Comptroller's Handbook
03/15/1990Comptroller's Handbook: Cash AccountsMarch 1990 (narrative), March 1998 (procedures)Comptroller's Handbook
03/15/1990Comptroller's Handbook: Commercial LoansMarch 1990 (narrative), March 1998 (procedures)Comptroller's Handbook
03/15/1990Comptroller's Handbook: Foreign ExchangeMarch 1990Comptroller's Handbook
03/15/1990Comptroller's Handbook: Investment SecuritiesMarch 1990Comptroller's Handbook
03/15/1990Comptroller's Handbook: Private PlacementsNarrative and Procedures - March 1990Comptroller's Handbook