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
- Sep 13, 2024
Agencies Extend Comment Period on Request for Information on Bank-Fintech Arrangements
- News Release
- Sep 12, 2024
OCC Issues Enforcement Action Against Wells Fargo Bank
- News Release
- Aug 22, 2024
OCC Announces Enforcement Actions for August 2024
- Bulletin
- Aug 22, 2024
Financial Data Transparency Act of 2022: Notice of Proposed Rulemaking
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.
