OCC

Comptroller Gould Discusses De Novo Charters and Digital Assets

Comptroller of the Currency Jonathan V. Gould discussed the OCC's priority to reinvigorate de novo bank charters, noting an increase in applications in 2025, including those for digital asset activities. He emphasized the importance of a robust pipeline of new banks for a dynamic and competitive financial system.

Comptroller Gould Discusses Bank Resolution Planning and Failures

Comptroller of the Currency Jonathan V. Gould discussed the efficacy of bank resolution planning, a tool established by the Dodd-Frank Act. He examined whether current resolution plans are usable in actual resolutions and if the resources dedicated to them are appropriate, based on his experience and observations.

Comptroller of the Currency Remarks on Financial Literacy and Education

Comptroller of the Currency Jonathan V. Gould delivered remarks on financial literacy, emphasizing its importance for informed consumer choices and economic participation. He highlighted the OCC's efforts to reform Community Reinvestment Act examinations and champion technological innovation in banking.

OCC Enforcement Action Types

The Office of the Comptroller of the Currency (OCC) has published a guide detailing the types of formal enforcement actions it can take against supervised financial institutions and their affiliated parties. The document outlines various actions including Capital Directives, Cease & Desist Orders, and Civil Money Penalties.

OCC Announces Enforcement Actions Terminations

The Office of the Comptroller of the Currency (OCC) announced the termination of five formal agreements with banks in February 2026. These terminations indicate that the banks have met compliance requirements or that the terms of the agreements are no longer relevant.

OCC Announces Enforcement Actions for January 2026

The Office of the Comptroller of the Currency (OCC) announced its January 2026 enforcement actions, including an order of prohibition against an individual for embezzlement and falsifying records. The OCC also released orders terminating previous enforcement actions against several banks.

OCC Announces Enforcement Action Terminations

The Office of the Comptroller of the Currency (OCC) announced the termination of several enforcement actions in December 2025. These terminations occur when banks demonstrate compliance with all articles of an enforcement action or when specific conditions are met.

OCC Enforcement Actions Search Tool

The Office of the Comptroller of the Currency (OCC) provides a search tool for its enforcement actions, penalties, and orders. An update in January 2025 added subject matter filtering for actions issued since 2012.

Rescission of Fair Housing Home Loan Data System Rule

The Office of the Comptroller of the Currency (OCC) has issued a final rule rescinding 12 CFR 27, the 'Fair Housing Home Loan Data System' regulation. This action removes regulatory burden for national banks without impacting the OCC's fair housing supervisory activities.

Community Bank Licensing Amendments Final Rule

The OCC issued a final rule amending community bank licensing requirements. The rule simplifies licensing for national banks and federal savings associations with less than $30 billion in assets, providing them access to expedited filing procedures. This aims to reduce regulatory burden for these institutions.