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OCC Bulletin 2022-7 | March 29, 2022

Commercial Real Estate Lending: Revised Comptroller's Handbook Booklet and Rescissions


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

The Office of the Comptroller of the Currency (OCC) today issued version 2.0 of the "Commercial Real Estate Lending" booklet of the Comptroller's Handbook. This booklet discusses risks and risk management practices associated with commercial real estate. This booklet also provides examiners with a framework for evaluating commercial real estate lending activities.


The updated booklet replaces version 1.1 of the booklet of the same title issued in January 2017. Also rescinded is OCC Bulletin 2013-19, "Commercial Real Estate Lending: Comptroller's Handbook Revisions and Rescissions," which transmitted version 1.0 of the booklet of the same title issued in August 2013.

Note for Community Banks

The "Commercial Real Estate Lending" booklet applies to the OCC's supervision of community banks1 engaged in commercial real estate lending.


The updated booklet

  • reflects changes to laws and regulations since this booklet was last updated.
  • reflects OCC issuances published and rescinded since this booklet was last updated.
  • includes clarifying edits regarding supervisory guidance, sound risk management practices, and legal language.
  • revises certain content for general clarity.

Further Information

Please contact David Bates, Director for Commercial Credit Risk, at (202) 649-6670.


Grovetta N. Gardineer
Senior Deputy Comptroller for Bank Supervision Policy

Related Link

1 "Banks" refers collectively to national banks, federal savings associations, and federal branches and agencies of foreign banking organizations.