OCC 2000-1 
OCC BULLETIN
Comptroller of the Currency
Administrator of National Banks
Subject: 	Fair Credit Reporting Act 15 U.S.C. 1681 - 1681t
Description: Examination Procedures 

TO:  Chief Executive Officers and Compliance Officers of All National
     Banks, Department and Division Heads and All Examining Personnel

The Fair Credit Reporting Act (FCRA) was substantially revised in 1996,
effective September 30, 1997.  It was again amended in 1997, 1998, and
1999.  The Federal Financial Institutions Examination Council has approved
uniform examination procedures to verify compliance with the act.  A copy
of the examination procedures is attached.

The examination procedures will be reformatted to accommodate the OCC's
risk-based approach to bank supervision and issued as an update to the
Comptroller's Handbook series. Until the revised handbook is issued,
examiners will use the attached procedures.  Questions about the FCRA or
these procedures may be directed to your supervisory office or to
Community and Consumer Policy at (202) 874-4446.




_____________________________
Ralph E. Sharpe
Deputy Comptroller
Community and Consumer Policy



Attachment

Date:  January 12, 2000