Rescission of Recovery Planning Guidelines for Large Insured Banks
Summary
The OCC is rescinding its recovery planning guidelines at 12 CFR 30, appendix E, along with related handbook guidance and prior OCC bulletins on this topic. The final rule takes effect 30 days after Federal Register publication. Banks with less than $100 billion in average total consolidated assets are not affected.
What changed
The OCC is eliminating recovery planning requirements for certain large insured national banks, federal savings associations, and federal branches. The rescission removes 12 CFR 30, appendix E, the Recovery Planning booklet of the Comptroller's Handbook, and four prior OCC bulletins (2025-35, 2024-31, 2024-16, 2018-47). The threshold of $100 billion in average total consolidated assets continues to define applicability.
Covered institutions previously subject to these guidelines should update their compliance programs to remove references to the rescinded requirements. Banks below the $100 billion threshold are explicitly excluded and are not affected by this change. Entities should continue to monitor for any successor guidance or revised OCC expectations regarding recovery planning.
What to do next
- Update compliance programs to remove references to 12 CFR 30, appendix E and the rescinded Recovery Planning guidance
- Confirm recovery planning obligations are no longer applicable if institution falls below the $100 billion threshold
- Continue monitoring for any replacement or revised OCC guidance on recovery planning
Source document (simplified)
OCC Bulletin 2026-10 | March 31, 2026
OCC Guidelines Establishing Standards for Recovery Planning by Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches: Final Guidelines
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Chief Executive Officers of All National Banks, Federal Savings Associations, and Federal Branches and Agencies; Department and Division Heads; All Examining Personnel; and Other Interested Parties
Summary
The Office of the Comptroller of the Currency (OCC) is rescinding its guidelines establishing standards for recovery planning by certain large insured national banks, federal savings associations, and federal branches (recovery planning guidelines) at 12 CFR 30, appendix E. The final rule will be effective 30 days after publication in the Federal Register.
Rescissions
The following are also rescinded with the publication of this bulletin:
- “Recovery Planning” booklet of the Comptroller’s Handbook
- OCC Bulletin 2025-35, “Standards for Recovery Planning by Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches: Notice of Proposed Rulemaking”
- OCC Bulletin 2024-31, “OCC Guidelines Establishing Standards for Recovery Planning by Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches: Final Guidelines”
- OCC Bulletin 2024-16, “OCC Guidelines Establishing Standards for Recovery Planning by Certain Large Insured National Banks, Insured Federal Savings Associations, and Insured Federal Branches: Notice of Proposed Rulemaking”
- OCC Bulletin 2018-47, “Recovery Planning Guidelines: Final Revised Guidelines”
Note for Community Banks
The final rule would not affect OCC-supervised banks with less than $100 billion in average total consolidated assets.
Further Information
Please contact Sean Young, Counsel, Chief Counsel’s Office, at (202) 649-5490.
Adam J. Cohen
Senior Deputy Comptroller and Chief Counsel
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