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    Last Updated: 12/10/03
    OCC Electronic Banking Guidance
    OCC issues guidance to ensure national banks and their service providers and software vendors maintain safe and sound banking practices.
    Handbooks

    Handbooks provide guidance to national banks, service providers, software vendors and bank examiners on procedures for supervising banking activities.

    The FFIEC Agencies are developing a new FFIEC Information Technology (IT) Examination Handbook to replace the 1996 FFIEC IS Examination Handbook. This update includes publishing multiple topic-based booklets that are available from the FFIEC IT Handbook InfoBase. The InfoBase also includes topic related presentations, references, and a glossary of terms. The 1996 IS Handbook remains current for examination areas, if new booklets have not been published.

    • FFIEC Information Technology (IT) Examination Handbook - Booklets
              Published Booklets
    • Audit (August 2003)
    • Business Continuity Planning (March 2003)
    • Electronic Banking (August 2003)
    • FedLine (August 2003)
    • Information Security (December 2002)
    • Supervision of Technology Service Providers (March 2003)

    • FFIEC Information Systems (IS) Handbook (1996)
    • Comptroller's Corporate Manual, The Internet and the National Bank Charter Handbook (2001)
    Current OCC Regulation
    The OCC has issued the following regulation regarding electronic banking activities by national banks. The final rule published in May 2002, establishes a new subpart 7 of OCC regulations that addresses the authority of national banks to conduct activities by electronic means and codifies many of the OCC’s prior interpretations on electronic banking found on this website.
    Date & Title Downloads
    5/16/2002
    OCC Issues Final Rule on Electronic Banking    		 Release 2002-44 WORD ASCII
    Final Rule on Electronic Banking PDF
    OCC Bulletins, Advisory Letters, and Alerts
    These issuances provide information to banks and examiners on areas of continuing concern and advise bankers and bank directors about activities and situations that could affect the safe and sound management of their banks.
    Date & Title Downloads
    12/09/2003
    Risk Management of Wireless Networks

    Advisory 2003-10

    		 WORD ASCII
    10/02/2003
    FFIEC Information Technology Examination Handbook: E-Banking, Audit, and FedLine Booklets    		 OCC 2003-41 WORD ASCII
    FFIEC press release PDF
    FFIEC IT Examination Handbook HTML
    E-banking Booklet HTML
    Audit Booklet HTML
    Fedline Booklet HTML
    09/12/2003
    Customer Identity Theft: E-Mail-Related Fraud Threats

    Alert 2003-11

    		 WORD ASCII
    6/24/2003
    Suspicious Activity Report: Revised Form    		 OCC 2003-27 WORD ASCII
    Revised Form HTML
    06/12/2003
    Threat Posed by New Virus (Bugbear.B)

    Alert 2003-9

    		 WORD ASCII
    05/21/2003
    FFIEC Information Technology Examination Handbook: Business Continuity Planning and Supervision of Technology Service Providers Booklets    		 OCC 2003-18 WORD ASCII
    FFIEC Press Release HTML
    Links to booklets on FFIEC Handbook InfoBase HTML
    04/23/2003
    Weblinking: Interagency Guidance on Weblinking Activity    		 OCC 2003-15 WORD ASCII
    Interagency Guidance PDF
    News Release 2003-33 HTML
    04/08/2003
    Interagency Paper On Sound Practices To Strengthen the Resilience Of The U.S. Financial System    		 OCC 2003-14 WORD ASCII
    Interagency Paper PDF
    News Release 2003-28 HTML
    03/27/2003
    Telecommunications Service Priority (TSP) Program: FBIIC Policy on Sponsorship of TSP for Private Sector Entities     		OCC 2003-13 WORD ASCII
    FBIIC Policy HTML
    FRB Sponsorship: Notice PDF
    2/05/2003
    FFIEC Information Security Booklet: Information Security Guidance    		 OCC 2003-4 WORD ASCII
    FFIEC Press Release HTML
    FFIEC IT Handbook InfoBase HTML
    FFIEC Information Technology Examination Handbook HTML
    05/28/2002
    Electronic Banking: Final Rule    		 OCC 2002-23 WORD ASCII
    Electronic Activities: Final Rule PDF
    5/15/2002
    Bank Use of Foreign-Based Third-Party Service Providers    		 OCC 2002-16 WORD ASCII
    1/14/2002
    ACH Transactions Involving the Internet: Guidance and Examination Procedures    		 OCC 2002-2 WORD ASCII
    11/1/2001
    Third-Party Relationships: Risk Management Principles     		OCC 2001-47 WORD ASCII
    News Release 2001-92 WORD ASCII
    7/30/2001
    Authentication in an Electronic Banking Environment    		 Advisory Letter 2001-8 WORD ASCII
    FFIEC guidance: Authentication in an Electronic Banking Environment PDF
    7/18/2001
    Examination Procedures to Evaluate Compliance with the Guidelines to Safeguard Customer Information     		OCC 2001-35 WORD ASCII
    Examination Procedures PDF
    Information Technology Portion of draft Community Bank Supervision booklet PDF
    5/25/2001
    Privacy of Consumer Financial Information    		 OCC 2001-26 WORD ASCII
    Privacy Examination Procedures PDF
    5/11/2001
    Brokered and Rate-Sensitive Deposits    		 Advisory Letter 2001-5 WORD ASCII
    Joint Agency Advisory PDF
    News Release 2001-44 WORD ASCII
    4/30/2001
    Identity Theft and Pretext Calling    		 Advisory Letter 2001-4 WORD ASCII
    Brochure PDF
    News Release 2001-41 WORD ASCII
    4/27/2001
    Uniform Standards for the Electronic Delivery of Disclosures; Regulations M, Z, B, E and DD    		 OCC 2001-23 WORD ASCII
    Interim Rule;
    Request for Comments    		 HTML
    Interim Rule;
    Request for Comments    		 HTML
    Interim Rule;
    Request for Comments    		 HTML
    Interim Rule;
    Request for Comments    		 HTML
    Interim Rule;
    Request for Comments    		 HTML
    4/24/2001
    Network Security Vulnerabilities    		 Alert 2001-4 WORD ASCII
    4/16/2001
    Regulation E/Electronic Funds Transfer Act    		 OCC 2001-21 WORD ASCII
    Final Rule ASCII
    Final Rule; Official Staff Interpretation ASCII
    2/28/2001
    Bank-Provided Account Aggregation Services    		 OCC 2001-12 WORD ASCII
    2/15/2001
    Guidelines Establishing Standards for Safeguarding Customer Information    		 OCC 2001-8 WORD ASCII
    Final Guidelines HTML
    1/29/2001
    Internet-Initiated ACH Debits/ACH Risks     		Advisory Letter 2001-3 WORD ASCII
    1/22/2001
    Privacy Preparedness     		Advisory Letter 2001-2 WORD ASCII
    Questionnaire WORD ASCII
    1/17/2001
    Agencies Adopt Guidelines for Customer Information Security     		Release 2001-4 WORD ASCII
    Joint Final Rule PDF
    11/28/2000
    Risk Management of Outsourcing Technology     		Advisory Letter 2000-12 WORD ASCII
    FFIEC Press Release PDF
    FFIEC Policy Statement PDF
    09/08/2000
    Privacy Laws and Regulations    		 OCC 2000-25 WORD ASCII
    Privacy Laws and Regulations PDF
    07/19/2000
    Protecting Internet Addresses of National Banks    		 Alert 2000-9 WORD ASCII
    Release 2000-53 WORD ASCII
    06/22/2000
    Privacy of Consumer Financial Information--Final Rule    		 OCC 2000-21 WORD ASCII
    Summary WORD ASCII
    Final Rule ASCII
    06/19/2000
    Suspicious Activity Report    		 OCC 2000-19 WORD ASCII
    SAR Form and Guidance (FinCEN) HTML
    OCC News Release
    2000-45     		WP ASCII
    05/15/2000
    Infrastructure Threats-Intrusion Risks---Message to Bankers and Examiners    		 OCC 2000-14 WORD ASCII
    5/10/2000
    Agencies Approve Final Regulations For Privacy Of Consumer Financial Information    		 Release 2000-32 WORD ASCII
    Privacy Of Consumer Financial Information PDF
    3/22/2000
    Technology Risk Management Lessons from Year 2000     		Advisory Letter 2000-2 WORD   ASCII
    FFIEC urges financial institutions not to forget lessons learned from Year 2000 project PDF
    Lessons learned from the Year 2000 project PDF
    2/11/2000
    Internet Security: Distributed Denial of Service Attacks     		Alert 2000-1
         		WORD ASCII
    9/27/99
    Interim Rule Electronic Delivery of Disclosures    		 OCC  99-35 WORD ASCII
    Interim Rule ASCII
    5/4/99
    Certification Authority Systems    		 OCC 99-20 WP ASCII
    5/4/99
    Guidance to National Banks on Web Site Privacy Statements     		Advisory Letter 99-6 WP ASCII
    03/29/99
    Fair Credit Reporting Act    		 Advisory Letter 99-3 WP ASCII
    7/30/98
    FFIEC Guidance on Electronic Financial Services and Consumer Compliance     		OCC 98-31 WP ASCII
    FFIEC Guidance PDF
    Compliance Issues Involving Electronic Services PDF
    5/12/98
    Branch Names (multiple trade names)    		 OCC  98-22 WP ASCII
    Interagency Statement (Additional Guidance) PDF
    Interpretive Letter No. 881 PDF
    2/4/98
    Technology Risk Management    		 OCC 98-3 WP ASCII
    11/19/97
    Reporting Computer Related Crimes     		Advisory Letter 97-9 WP ASCII
    9/10/96
    Stored Value Card Systems--Information for Bankers and Examiners     		OCC 96-48 WP ASCII
    2/24/94
    Nondeposit Investment Sales Examination Procedures    		 OCC  94-13 WP    PDF
    Joint Agency
    Interpretation    		 WP ASCII
    7/24/91
    Social Security Numbers As Personal Identification Numbers    		 Advisory Letter 91-4 WP    PDF

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