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OCC Bulletin 2026-47 | September 11, 2026

Interagency Statement: Risk-Based Supervision of Certain Services Provided by Core Providers to Community Banking Organizations

To

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), the Board of Governors of the Federal Reserve System (the Board) and the Federal Deposit Insurance Corporation (the FDIC, and collectively, the agencies) are issuing a statement to provide clarity on their risk-based supervision of certain services provided by core providers to community banking organizations. 1 The statement discusses certain factors the three agencies will consider in making supervisory and enforcement decisions related to these core providers.

Note for Community Banks

The statement applies to community banks.

Highlights

The statement provides clarity on the agencies’ risk-based supervision of certain services provided by core providers to community banking organizations. The statement addresses

  • select aspects of how community banking organizations engage with core providers.
  • the extent to which the agencies will take these aspects into consideration when determining the level of supervisory oversight of core provider services.
  • the agencies’ supervisory and enforcement authorities where a core provider engages or causes a community banking organization to engage in unsafe or unsound practices or violations of laws or regulations.

Further Information

Please contact Graham Bannon, Counsel, Chief Counsel’s Office at (202) 649-5490.

 

Adam J. Cohen
Senior Deputy Comptroller and Chief Counsel

Related Link

1 For a description of the banking organizations supervised by each agency, refer to the definition of “appropriate Federal banking agency” in section 3(q) of the Federal Deposit Insurance Act (12 USC 1813(q)). “Banking organizations” includes OCC-supervised banks. “Banks” refers collectively to national banks, federal savings associations, and federal branches and agencies of foreign banking organizations.

 

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