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Resources for bankers

Trust Operations

Banks engaged in trust operations are subject to the rules, policies, and procedures applicable to recordkeeping and confirmation requirements. These requirements are described in Recordkeeping and Confirmation Requirements for Securities Transactions (12 CFR 12) and the Comptrollers Handbook, Asset Management Operations and Controls.

BC=Banking Circular
IL=Interpretive Letter

OCC Banking Circular 196, “Securities Lending” (May 7, 1985)

OCC Banking Circular 235, “International Payments Systems Risks” (May 10, 1989)

OCC Banking Circular 275 “Free Riding in Custody Accounts” (September 3, 1993)

OCC Bulletin 2001-8 “Guidelines Establishing Standards for Safeguarding Customer Information” (February 15, 2001)

OCC Bulletin 2001-35 “Examination Procedures to Evaluate Compliance with the Guidelines to Safeguard Customer Information” (July 18, 2001)

OCC Bulletin 2002-16 “Bank Use of Foreign-Based Third-Party Service Providers”
(May 15, 2002)

OCC Bulletin 2004-20 “Risk Management of New, Expanded, or Modified Bank Products or Services: Risk Management Process” (May 10, 2004)

OCC Bulletin 2005-35 “Authentication in an Internet Banking Environment”
(October 12, 2005)

OCC Bulletin 2005-44 “Small Entity Compliance Guide: Information Security” (December 14, 2005)

OCC Bulletin 2006-35 “Authentication in an Internet Banking Environment: Frequently Asked Questions” (August 15, 2006)

OCC Bulletin 2006-39 “Automated Clearing House Activities: Risk Management Guidance” (September 1, 2006)

OCC Bulletin 2007-42 “Bank Securities Activities: SEC’s and Federal Reserve’s Final Regulation R” (October 29, 2007)

OCC Bulletin 2008-10 “Fiduciary Activities of National Banks: Annual Reviews of Fiduciary Accounts Pursuant to 12 CFR 9.6(c)” (March 27, 2008)

OCC Bulletin 2010-37 “Fiduciary Activities of National Banks: Self-Deposit of Fiduciary Funds” (September 20, 2010)

OCC Bulletin 2013-29 “Third-Party Relationships: Risk Management Guidance” (October 30, 2013)

OCC Bulletin 2017-39 "T+2 Securities Transaction Settlement Cycle: Notice of Proposed Rulemaking" (October 6, 2017)

Related News and Issuances
Publish DateIdentifierTitle
07/01/2019  OCC 2019-31, Covered Savings Associations Implementation: Covered Savings Associations
04/29/2019  OCC 2019-21, Fiduciary Regulations; Non-Fiduciary Custody Activities: Advance Notice of Proposed Rulemaking
03/27/2008  OCC 2008-10, Fiduciary Activities of National Banks: Annual Reviews of Fiduciary Accounts Pursuant to 12 CFR 9.6 (c)