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OCC Guidance and Resources

A Guide to Tribal Ownership of a National Bank (PDF)
A companion to the OCC’s Licensing Manuals, this guide is designed to help federally recognized Native American tribes explore entry into the national banking system by establishing or acquiring control of a national bank.

Access to Retail Financial Services and Financial Literacy
This panel explored access to financial services as provided by tribally-owned financial institutions, large banks, and community organizations.

Vickie Oldman, Principal, Kitseallyboy Consulting (PDF)

Steve Barbier, Management Consultant, Neighborhood Reinvestment Corporation (PDF 2.4MB)

Paul Olson, Community Banking President, Wells Fargo Bank, N.A (PDF)

Frank Riolo, President and CEO, Borrego Springs Bank, N.A. (PDF)

Commercial Lending in Indian Country: Potential Opportunities in an Untapped Market (PDF)
This OCC Insights Report discusses the specific approaches that bankers active in this market have used to accommodate some of the business and legal challenges unique to Indian Country, including the use of several federal programs available to manage the risks in tribal commercial and business development.  

Community Development Newsletter: “Banking in Indian Country” (PDF)
This is an OCC Community Developments Newsletter that contains articles addressing how financial institutions, tribal organizations, and others have developed partnerships leading to increased access to lending and other financial services on tribal lands. Successes are described in the areas of home mortgage lending, commercial lending, retail services, financial literacy initiatives, and development of Native American financial institutions.

Extending Credit In Indian Country: How Banks Use Federal Programs to Promote Economic Development 
This issue of Community Developments Investments examines the availability of capital in Indian Country and the opportunities for banks interested in doing business there. While doing business on sovereign Indian lands may present some challenges, there are incentives that make investing and lending in Indian Country a profitable proposition.

Economic Development in Indian Country

This panel reviewed commercial lending programs in Indian country and highlighted what banks look for when establishing a relationship with a tribe. 

Elsie Meeks, Executive Director, First Nations Oweesta Corporation (PDF)   

Mike Lettig, Rural Market Commercial Banking Executive, Key Bank, N.A. (PDF) 

Shawn Bordeaux, Vice President Operations and Marketing, Ho-Chunk, Inc. (PDF)

Minority Bankers Resource Page
This OCC resource page provides up-to-date information relevant to minority bankers and their customers, list of minority banks, and other useful references.

Rural Housing Finance Programs 
This OCC fact sheet details the USDA private market financing programs to help low- and moderate-income rural residents obtain safe and affordable housing. 

Rural Economic Development Resource Directory
This directory provides descriptions and contact information for a number of organizations and Web sites that can provide resources to banks interested in lending, investing, or providing retail financial services in rural communities.

Section 184 Indian Home Loan Guarantee Program 
This OCC fact sheet describes the HUD Section 184 program, which is a home mortgage federal loan guarantee for enrolled members of federally recognized tribes or for Tribally Designated Housing Entities.