Retail Lending Examination Procedures
References
Regulations
12 CFR 30 – Safety and Soundness Standards
12 CFR 34 – Real Estate Lending and Appraisals
12 CFR 37 – Debt Cancellation Contracts and Debt Suspension Agreements
Comptroller’s Handbook
Allowance for Loan and Lease Losses
Commercial Real Estate and Construction Lending
Community Bank Supervision
Credit Card Lending
Fair Lending
Internal and External Audits
Internal Control
Large Bank Supervision
Loan Portfolio Management
Merchant Processing
Mortgage Banking
Sampling Methodologies
Other OCC Publications
An Examiner’s Guide to Problem Bank Identification, Rehabilitation, and Resolution
OCC Issuances
OCC Advisory Letter 1995-8, “Fair Lending (Credit Scoring-Age Implications)”
OCC Advisory Letter 1996-7, “Credit Card Preapproved Solicitations”
OCC Advisory Letter 1997-8, “Allowance for Loan and Lease Losses”
OCC Advisory Letter 2000-6, “Audit and Internal Controls”
OCC Advisory Letter 2000-7, “Abusive Lending Practices”
OCC Advisory Letter 2000-9, “Third-Party Risk”
OCC Advisory Letter 2000-10, “Payday Lending”
OCC Advisory Letter 2000-11, “Title Loan Programs”
OCC Advisory Letter 2000-12, “Management of Outsourcing Technology Services”
OCC Advisory Letter 2002-3, “Guidance on Unfair or Deceptive Acts or Practices”
OCC Advisory Letter 2003-2, “Guidelines for National Banks to Guard Against Predatory and Abusive Lending Practices”
OCC Advisory Letter 2003-3, “Avoiding Predatory and Abusive Lending Practices in Brokered and Purchased Loans”
OCC Advisory Letter 2003-7, “Guidelines for Real Estate Lending Policies”
OCC Advisory Letter 2003-9, “Independent Appraisal and Evaluation Functions”
OCC Advisory Letter 2004-4, “Secured Credit Cards”
OCC Advisory Letter 2004-10, “Credit Card Practices”
OCC Bulletin 1997-1, “Uniform Financial Institutions Rating System—Notice”
OCC Bulletin 1997-24, “Credit Scoring Models, Examiner Guidance”
OCC Bulletin 1999-10, “Interagency Guidance on Subprime Lending”
OCC Bulletin 1999-15, “Subprime Lending: Risks and Rewards”
OCC Bulletin 1999-38, “Interagency Guidelines for Real Estate Lending Policies”
OCC Bulletin 2000-3, “FFIEC Consumer Credit Reporting Practices”
OCC Bulletin 2000-16, “Risk Modeling, Model Validation”
OCC Bulletin 2000-20, “FFIEC Uniform Retail Credit Classification and Account Management Policy”
OCC Bulletin 2001-6, “Expanded Guidance for Subprime Lending Programs”
OCC Bulletin 2001-37, “Policy Statement on Allowance for Loan and Lease Losses Methodologies and Documentation for Banks and Savings Institutions”
OCC Bulletin 2001-47, “Third-Party Relationships, Risk Management Principles”
OCC Bulletin 2003-01, “Account Management and Loss Allowance Guidance”
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