National banks and federal savings associations are among the most highly regulated institutions in the country, with many laws and regulations that govern their activities.
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Laws & Regulations Overview
The OCC is the primary regulator of banks chartered under the National Bank Act (12 USC 1 et seq.) and federal savings associations chartered under the Home Owners' Loan Act of 1933 (12 USC 1461 et seq.). The OCC's regulations, derived from these acts, are in title 12 of the Code of Federal Regulations, "Banks and Banking" (12 CFR 1–199).
The OCC may take enforcement actions for violations of laws, rules or regulations, final orders or conditions imposed in writing; unsafe or unsound practices; and breach of fiduciary duty by institution-affiliated parties.
News & Bulletins
- News Release
- Apr 18, 2024
OCC Announces Enforcement Actions for April 2024
- News Release
- Apr 10, 2024
OCC Extends Comment Period for Proposed Rulemaking and Policy Statement on Bank Mergers
- News Release
- Mar 20, 2024
OCC Announces Enforcement Actions for March 2024
Enforcement Actions
The OCC may take enforcement actions against financial institutions (or affiliated individuals) for violations of laws, rules or regulations, final orders or conditions imposed in writing; or unsafe or unsound practices. Learn more about this topic in the Enforcement Actions section.
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OCC Regulations
Learn more about OCC regulations and the rules it publishes in the Federal Register.View requests for comment and submit comments.
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Interpretations & Precedents
Read interpretive letters that address legal and banking issues and decisions on enforcement, CRA issues, and corporate applications.
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Litigation
Review court decisions, including a short summary and a link to the full text, and OCC legal briefs of interest.
