Here you will find interpretive letters addressing various legal and banking issues; letters imposing enforceable conditions; decisions on corporate applications and CRA-related issues; CRA evaluations; and final enforcement decisions.
Thrift Savings Associations
For opinions issued prior to July 21, 2011, regarding thrift savings associations see the OCC's legacy Thrift Legal Opinions page.
Advise bankers and bank directors about activities and situations that could contribute to or detract from the safe and sound management of national banks. Prior to 2005, OCC issued Advisory Letters. Advisory Letters remain in effect unless rescinded and can be located using the "Search Archives" function. After 2005, Advisory Letters were no longer issued by the OCC, but similar content continues to be issued as Bulletins.
Provide information of continuing concern on OCC or OCC-supported policies and guidelines, and inform readers of pending regulatory changes and other general information. Bulletins remain in effect unless rescinded and can be located using the "Search Archives" function.
Activities Permissible for a National Bank, Cumulative (OCC, May 2011)
Provides a short description of permissible national bank activities covering general banking and securities activities, compliance, enforcement, investments, preemption, and regulations.
Comptroller's Licensing Manual
Provides guidance and forms for chartering and operating national banks.
Interpretations and Actions (updated monthly)
Provides legal staff interpretation letters (trust, securities, and bank accounting); letters imposing enforceable conditions; decisions on corporate applications and CRA-related issues; CRA evaluations; and final enforcement actions.
Significant Legal, Licensing, and Community Development Precedents (PDF) (OCC April 2009)
Provides a list of precedents for general banking and securities activities, compliance issues, enforcement actions, investments, preemption, and regulations.