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Description of Publications
ACTIVITIES PERMISSIBLE FOR A NATIONAL
BANK describes the activities that are authorized
for a national bank as part of, or incidental to, the business of banking. The OCC ANNUAL REPORT sets forth the agency's accomplishments in supervision, regulation, risk analysis, and chartering. It also describes management initiatives, financial management results, and OCC outreach to industry, community, and consumer organizations. THE BANK ACCOUNTING ADVISORY SERIES
expresses the OCC's current views on accounting topics of interest to national
banks. BANK FAILURE: AN EVALUATION OF THE FACTORS CONTRIBUTING TO THE FAILURE OF NATIONAL BANKS was published in 1988 and is based on a study of banks from 1979 through 1987. Its purpose is to help examiners and bankers identify problem areas in banks that otherwise appear to be healthy.[Return to Publications List] [Report] BUILDING HEALTHY COMMUNITIES THROUGH BANK SMALL BUSINESS FINANCING summarizes a community development conference sponsored by the OCC in September 1992. It includes national bankers' discussions of strategies available to banks for financing small and minority businesses.[Return to Publications List] CHECK FRAUD: A GUIDE TO AVOIDING LOSSES describes common check fraud schemes and presents tactics banks can use to combat check fraud. [Return to Publications List] [On-Line Guide] CHIEF FINANCIAL OFFICER'S (CFO's) ANNUAL
REPORT includes financial statements summarizing
OCC's financial position as of year end and analysis. Also includes a bureau
profile, a brief summary of the organizational structure, the OCC's mission,
and priority objectives for the year. COMMUNITY DEVELOPMENT: A PROFITABLE MARKET OPPORTUNITY contains information on community development lending and investing. Contributors include experts from financial industry, OCC and other federal agencies, national community development intermediaries, and others in the community development field.[Return to Publications List] COMMUNITY DEVELOPMENT FINANCE: TOOLS AND TECHNIQUES FOR NATIONAL BANKS is an overview of many of the methods and organizational models used by banks to help facilitate community revitalization. [Return to Publications List] NATIONAL BANK COMMUNITY DEVELOPMENT INVESTMENTS 2001 DIRECTORY provides information on the 121 community development corporation (CDC) and community development project (CD project) investments made by 35 national banks during 2001. The directory includes appendixes containing the Part 24 regulation, a listing of OCC community and economic development publications, and the names and addresses of OCC's Community Reinvestment and Development Specialists. It also contains a discussion of Recent Trends and Innovations that provides an overview of investments made by banks during 2001 and discusses new community development opportunities. [Return to Publications List] [On-Line Guide] NATIONAL BANK COMMUNITY DEVELOPMENT INVESTMENTS 2000 DIRECTORY provides information on the 134 community development corporation (CDC) and community development project (CD project) investments made by 47 national banks during 2000. The directory includes appendixes containing the Part 24 regulation, a listing of OCC community and economic development publications, and the names and addresses of OCC's Community Reinvestment and Development Specialists. [Return to Publications List] [On-Line Guide] NATIONAL BANK COMMUNITY DEVELOPMENT INVESTMENTS 1999 DIRECTORY provides information on the 146 community development corporation (CDC) and community development project (CD project) investments made by national banks during 1999. The directory includes appendixes containing the Part 24 regulation, a listing of OCC community and economic development publications, and the names and addresses of OCC's Community Reinvestment and Development Specialists. [Return to Publications List] [On-Line Guide] COMMUNITY DEVELOPMENT INVESTMENTS PROGRAM FOR NATIONAL BANKS 1998 DIRECTORY provides information on the 200 community development corporation (CDC) and community development project (CD project) investments made by 83 national banks during 1998.[Return to Publications List] [On-Line Guide] COMMUNITY DEVELOPMENT INVESTMENTS PROGRAM FOR NATIONAL BANKS 1997 DIRECTORY provides information on the 159 community development corporation (CDC) and community development project (CD project) investments made by national banks during 1997. The 88 national banks and their community partners supported 137 CD projects and CDCs, dedicated to helping the communities in which the participating national banks operate. [Return to Publications List] [On-Line Guide] THE COMPTROLLER AND BANK SUPERVISION (1995 edition), by Ross M. Robertson with a new chapter and foreword by Jesse Stiller, updates the history of the Office of the Comptroller of the Currency from its inception in 1863 through 1985. [Return to Publications List] THE COMPTROLLER AND THE TRANSFORMATION OF AMERICAN BANKING, 1960--1990, by Eugene N. White, is a history of the OCC from 1960 to 1990. It describes the changes that took place in the banking industry and national bank regulation and examines their historical context. The book includes an index, a bibliography, and statistical data on national bank and OCC operations and finances for the 30-year period. [Return to Publications List] COMPTROLLER'S HANDBOOK contains policies and procedures for the examination of the commercial activities of national banks. Beginning in 1994, all additions to the Comptroller's Handbook were published in booklet form. [Booklets] [Return to Publications List] COMPTROLLER'S HANDBOOK FOR COMPLIANCE contains all of the procedures used in examining national banks for compliance. The handbook is a supervisory tool for examiners performing compliance examinations and a self-assessment tool for bankers analyzing bank compliance systems. [Booklets] [Return to Publications List] COMPTROLLER'S HANDBOOK FOR ASSET MANAGEMENT presents policies and procedures for the examination of the asset management activities of national banks. The book is designed to assist the examiner in planning and conducting an examination. It also assists the examiner in preparing examination reports of national bank trust departments, as well as subsidiaries and affiliates of national banks and their holding companies that engage in asset management activities. [Booklets] [Return to Publications List] COMPTROLLER'S LICENSING MANUAL consists of a series of booklets. The booklets explain the OCC policies and procedures to form a new national bank, for existing institutions to enter the national banking system, for individuals to acquire control of a national bank, and for national banks to effect structural changes and expand activities. An on-line version in Adobe Acrobat format is available on this site. [Booklets] [Return to Publications List] CUSTOMER ASSISTANCE GROUP is
an overview of OCC's history of customer assistance and a discussion of issues
that have been prominent since the new CAG opened in Houston in April 1998.
DEPOSITS AND INVESTMENTS: THERE'S
A CRITICAL DIFFERENCE is a brochure designed to
alert bank customers that mutual funds are not insured by the FDIC. It explains
in plain English the critical difference between insured deposits and mutual
funds, annuities, or other investments.
DETECTING RED FLAGS IN BOARD REPORTS--A GUIDE FOR DIRECTORS, written primarily for national bank directors, describes information generally found in board reports, and it highlights “red flags”-- ratios or trends that may signal existing or potential problems. THE DIRECTOR'S BOOK provides general guidance to directors of national banks. It outlines the responsibilities of the board, highlighting areas of particular concern, and addresses in broad terms the duties and liabilities of the individual director. [Return to Publications List] [On-Line] E FILES - THE OCC ELECTRONIC LIBRARY is a CD that gives national bankers access to OCC publications, forms, and other materials available on the OCC's Web site. [Return to Publications List] EFFECTIVE STRATEGIES FOR COMMUNITY DEVELOPMENT
FINANCE/COMMUNITY DEVELOPMENT RESOURCE GUIDE is a
two-volume set that provides information on practices that have helped selected
national banks engage in community development finance, as well as a listing of
approximately 145 resources to assist bankers and their community partners in
obtaining information about community development programs and tools. EQUAL HOUSING LENDER is a poster informing the public that the bank complies with federal fair lending laws. It tells the public where to send complaints if they believe they've been discriminated against. [Return to Publications List] AN EXAMINER'S GUIDE TO PROBLEM BANK IDENTIFICATION, REHABILITATION, AND RESOLUTION The OCC is committed to bank supervision policies and procedures that support prompt detection and mitigation of problems before they affect a bank’s viability. In the event a bank’s condition is so severe that it is no longer viable, the OCC will collaborate with the Federal Deposit Insurance Corporation (FDIC) and other regulators to achieve a timely final resolution in a manner that will result in the least cost to the deposit insurance fund. This booklet provides guidance toward those objectives and is intended primarily as a reference tool for OCC field examiners. [Return to Publications List] [Booklet] FAIR HOUSING HOME LOAN DATA SYSTEM booklet is published for mortgage lending departments of national banks. This publication contains the final regulation for the Fair Housing Home Loan Data System, instruction forms, and examples. The regulation's record keeping and data submission requirements are central to a comprehensive fair housing examination. [Return to Publications List] THE FFIEC AUDIT BOOKLET is guidance for bankers and examiners on how a bank maintains an effective risk-based IT audit program.[Return to Publications List] [On-line booklet (FFIEC Web site)] THE FFIEC BUSINESS CONTINUITY PLANNING BOOKLET helps banks to plan their responses to such adverse events as natural disasters, technological failures, human error, and terrorism.[Return to Publications List] [On-line booklet (FFIEC Web site)] THE FFIEC DEVELOPMENT AND ACQUISITIONS BOOKLET helps banks to manage the risks of developing and acquiring information technology.[Return to Publications List] [On-line booklet (FFIEC Web site)] THE FFIEC E-BANKING BOOKLET addresses business and technology issues related to electronic banking.[Return to Publications List] [On-line booklet (FFIEC Web site)] THE FFIEC FEDLINE BOOKLET addresses security and control expectations for the Federal Reserve Banks' Fedline, which affords community banks access to wire transfer services.[Return to Publications List] [On-line booklet (FFIEC Web site)] THE FFIEC INFORMATION SECURITY BOOKLET helps examiners and financial institutions to identify information security risks and to evaluate the adequacy of related controls and risk management practices. [Return to Publications List] [On-line booklet (FFIEC Web site)] FFIEC INFORMATION SYSTEMS HANDBOOK is issued by the Federal Financial Institutions Examination Council (FFIEC). This two-volume handbook provides guidance for regulatory examiners in the examination of information systems operations in financial institutions and independent service bureaus. It also includes an overview of information systems concepts and practices, examples of sound information systems controls, and FFIEC examination work programs. [Return to Publications List] [On-line Handbook (NCUA Web site)] The FFIEC INFORMATION TECHNOLOGY EXAMINATION HANDBOOK helps examiners and financial institutions to identify the risks of bank technology and to evaluate the adequacy of related controls and risk management practices. When completed, it will replace the 1996 FFIEC Information Technology Examination Handbook. [Return to Publications List] [FFIEC IT Handbook Infobase (FFIEC Web site)] THE FFIEC MANAGEMENT BOOKLET helps banks to manage the risks of information technology, and it helps examiners to evaluate a bank's risk management of information technology. [Return to Publications List] [On-line booklet (FFIEC Web site)] THE FFIEC OUTSERVICING TECHNOLOGY SERVICES BOOKLET helps banks to manage the risks of using external service providers to meet a variety of technology-related needs. [Return to Publications List] [On-line booklet (FFIEC Web site)] THE FFIEC RETAIL PAYMENT SYSTEMS BOOKLET addresses the risks presented by consumers' purchases of goods and services, their payments of bills, their payments to other consumers, and their cash withdrawals from automatic teller machines. [Return to Publications List] [On-line booklet (FFIEC Web site)] THE FFIEC SUPERVISION OF TECHNOLOGY SERVICE PROVIDERS BOOKLET helps banks to manage the risks of outsourcing technology services. [Return to Publications List] [On-line booklet (FFIEC Web site)] FINANCIAL ACCESS IN THE 21st CENTURY is the
proceedings of a forum about access to financial services by people in the
United States who do not have deposit accounts or relationships with insured
depositories.
A GUIDE TO HMDA REPORTING, GETTING IT RIGHT!
is an aid to preparing the Home Mortgage Compliance Act report. It includes
checklists, a glossary, addresses for supervisory agencies and the Bureau of
Census, and a listing of geographic codes needed for reporting. A GUIDE TO MORTGAGE LENDING IN INDIAN
COUNTRY provides banks with an introduction to
issues frequently encountered when making mortgage loans to Native Americans.
It includes background about legal issues, highlights steps in the lending
process unique to Indian country, describes government loan guarantee and
secondary market programs, and lists regional offices of relevant organizations
and government agencies. A GUIDE TO THE NATIONAL BANKING SYSTEM
provides an overview of the national banking system, the regulation of national
banks, and the Office of the Comptroller of the Currency.
A GUIDE TO TRIBAL OWNERSHIP OF A NATIONAL
BANK is intended to assist federally recognized
Indian tribes in exploring entry into the national banking system by
establishing or acquiring control of a national bank. THE HOME MORTGAGE DISCLOSURE ACT NOTICE
must be posted in the lobby of a bank's home office and in the lobby of each branch office in a metropolitan area. These postings are required by Regulation C.
INTERPRETATIONS AND ACTIONS
includes legal staff interpretations, trust interpretative letters, securities
letters, and bank accounting advisory series, which represent the informal
views of the Comptroller's staff concerning the applications of banking law to
contemplated activities or transactions. The publication also announces final
enforcement actions against national banks and public evaluation and final
decisions under the Community Reinvestment Act.
ISSUES AND BANK INITIATIVES IN LOW- AND MODERATE-INCOME HOUSING AND FAIR LENDING summarizes two conferences on low- and moderate-income housing and fair lending. [Return to Publications List] MONEY LAUNDERING: A BANKER'S GUIDE TO
AVOIDING PROBLEMS, which updates a 1993 publication,
discusses how bankers can identify and manage the risks associated with money
laundering and terrorist financing. The revision was prompted by the growing
sophistication of money launderers, a growing international response to money
laundering, changes to anti-money laundering laws, and recent anti-terrorist
financing legislation. NATIONAL BANKS AND THE DUAL BANKING SYSTEM explains the OCC's role in preserving the dual banking system by preserving the essential features of the national bank charter.[Return to Publications List] [Booklet] NEW OPPORTUNITIES TO EXCEL discusses some activities undertaken by small national banks that demonstrate exemplary performance under the Community Reinvestment Act. [Return to Publications List] [On-Line] OCC PERFORMANCE AND
ACCOUNTABILITY REPORT FOR FISCAL YEAR 2002 takes
the place of the Chief Financial Officer's Annual Report. It includes
management's discussion and analysis, financial discussion and analysis, the
independent auditor's report, and financial statements and notes.
OCC BULLETINS are sent to all national banks and examiners. They provide information of continuing concern on OCC or OCC-supported policies and guidelines, and inform readers of pending regulation changes and other general information. [Return to Publications List] ON SOLID GROUND VIDEO is a 21-minute history of the OCC featuring rare archival footage, interviews with former Comptrollers, and a message from Comptroller John D. Hawke Jr. [Return to Publications List] OUTSOURCING YOUR AUDIT FUNCTION is a virtual telephone seminar in which OCC and industry experts discuss how banks can best meet their auditing responsibilities when outside firms do their internal audits. The package consists of a transcript of the seminar (including speakers' profiles), a tape of the seminar, and a series of appendixes on auditing issues. [Return to Publications List] A POCKET GUIDE TO DETECTING RED FLAGS IN BOARD REPORTS is a shorter version of Detecting Red Flags in Board Reports. QUARTERLY JOURNAL is the journal of record for the most significant actions and policies of the Office of the Comptroller of the Currency. It is published only in electronic form four times a year -- in March, June, September, and December. The Quarterly Journal includes policy statements, decisions on banking structure, selected speeches and congressional testimony, material released in the interpretive letters series, summaries of enforcement actions, statistical data, and other information of interest in the administration of national banks. Four issues of the Quarterly Journal -- numbers 2, 3, and 4 of one volume and number 1 of the next volume -- are an essential part of the agency's annual report to Congress. Through September 30, 2001, the Quarterly Journal contained the annual "Comptroller's Report of Operations," as well as the annual chief financial officer's report or "Performance and Accountability Report." These have been combined and published separately in the agency's new annual report, as of fiscal year 2002. [Return to Publications List] [On-Line] REPORT OF THE OMBUDSMAN, December
2002, includes descriptions of the appeals process,
the Customer Assistance Group, and the results of the examination
questionnaires. It also contains statistics on appeals activity and all of the
appeal summaries. RISK MANAGEMENT PRINCIPLES FOR THIRD-PARTY RELATIONSHIPS is a telephone seminar in which OCC and industry experts discuss how banks can best manage the risks that arise from their business relationships with third parties. The package consists of a transcript of the seminar (including speakers' profiles), a tape of the seminar, and an appendix on third-party issues. [Return to Publications List] SIGNIFICANT PRECEDENTS
is an annual compilation of the important precedents set by OCC
interpretive letters, corporate decisions, approvals, and other documents.
The
SINGLE-FAMILY AFFORDABLE HOUSING MARKET: TRENDS AND INNOVATIONS
The Single-Family Affordable Housing Market: Trends and Innovations captures
the presentations given at the July 1997 Affordable Housing Symposium sponsored
by the OCC. Topics include the state of the affordable mortgage lending market,
affordable mortgage underwriting standards, risk management, risk mitigation
strategies, and the future of this segment of the housing industry.
SMALL BUSINESS BANKING ISSUES
discusses programs and strategies that small businesses can use to obtain loans
from national banks. The booklet summarizes an OCC-sponsored forum on the topic
in February 1998. SPECIAL ANNIVERSARY ISSUE 1981-1991 of the Quarterly Journal covers the years 1981 to 1991. It discusses the most significant events involving the national banking system during these years and OCC's role in these events. It contains articles, reprints of key speeches and testimony, and a comprehensive index to speeches and testimony presented on behalf of the OCC from 1981 to 1991. [Return to Publications List] SURVEY OF CREDIT UNDERWRITING PRACTICES (ANNUAL) The OCC's annual survey of credit underwriting practices identifies trends in credit risk within the national banking system. The questionnaire-based survey addresses changes in lending standards and credit practices since the previous survey for the most common types of commercial and retail credit offered by national banks. [Return to Publications List] USER'S GUIDE FOR THE UNIFORM BANK PERFORMANCE REPORT The Uniform Bank Performance Report (UBPR) is an analytical tool created for bank supervisory, examination, and management purposes. In a concise format, it shows the impact of management decisions and economic conditions on a bank's performance and balance-sheet composition. The performance and composition data contained in the report can be used as an aid in evaluating the adequacy of earnings, liquidity, capital, asset and liability management, and growth management.[Return to Publications List] [On-line Guide (FFIEC Web site)] BRIEF DESCRIPTIONS OF COMPUTER MODELS OCC ANNUAL PERCENTAGE YIELD (APY) PROGRAM is a microcomputer-based Windows program that calculates or verifies annual percentage yields for deposit account disclosures and advertising and for periodic statements. Instructions for using the program are on the program's HELP screens. [Download APY] [Return to Publications List] OCC ANNUAL PERCENTAGE RATE (APRWIN) PROGRAM is a microcomputer-based Windows program that calculates annual percentage rates (APRs). Instructions for using the program are on the program's HELP screens. [Download APR] [Return to Publications List] RISK-BASED CAPITAL MODEL FOR BANKERS is intended to replicate the "Optional Regulatory Capital Worksheet" of the call report instructions sent to all banks. The worksheet is meant to help banks to determine whether they must file schedule R of the call report. This model uses information that banks provide in other schedules of the call report in making this determination. The RBC model has been tested extensively and found to be Year 2000 ready. [Download Risk-Based Capital Model] [Return to Publications List]
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