Charters and Licensing Publications

Before establishing a national bank or a federal savings association, an organizing group must apply to, and obtain approval from, the OCC. These publications provide guidance on the licensing process.

Featured Publications

All Charters and Licensing Publications

Publication Date	Title	Version	Collection
02/07/2025	Licensing Manual: Background Investigations	February 2025	Comptroller's Licensing Manual
02/16/2023	Licensing Manual: Change in Bank Control	February 2023	Comptroller's Licensing Manual
02/07/2023	Licensing Manual: Branch Closings	February 2023	Comptroller's Licensing Manual
01/19/2023	Licensing Manual: Branches and Relocations	January 2023	Comptroller's Licensing Manual
04/07/2022	Licensing Manual: Public Notice and Comments	April 2022	Comptroller's Licensing Manual
04/07/2022	Licensing Manual: Management Interlocks	April 2022	Comptroller's Licensing Manual
04/07/2022	Licensing Manual: General Policies and Procedures	April 2022	Comptroller's Licensing Manual
02/28/2022	Licensing Manual: Articles of Association, Charter, and Bylaw Amendments	February 2022	Comptroller's Licensing Manual
02/28/2022	Licensing Manual: Fiduciary Powers	February 2022	Comptroller's Licensing Manual
02/28/2022	Licensing Manual: Subordinated Debt	February 2022	Comptroller's Licensing Manual
02/28/2022	Licensing Manual: Subsidiaries and Equity Investments	February 2022	Comptroller's Licensing Manual
12/10/2021	Licensing Manual: Capital and Dividends	December 2021	Comptroller's Licensing Manual
12/10/2021	Licensing Manual: National Bank Director Waivers	December 2021	Comptroller's Licensing Manual
12/10/2021	Licensing Manual: Charters	December 2021	Comptroller's Licensing Manual
12/10/2021	Licensing Manual: Conversions to Federal Charter	December 2021	Comptroller's Licensing Manual
01/13/2021	Licensing Manual: Business Combinations	January 2021	Comptroller's Licensing Manual
09/09/2020	Licensing Manual: Federal Branches and Agencies	September 2020	Comptroller's Licensing Manual
11/23/2020	Licensing Manual: Mutual to Stock Conversions	November 2020	Comptroller's Licensing Manual
06/15/2019	Licensing Manual: Changes in Directors and Senior Executive Officers	June 2019	Comptroller's Licensing Manual
01/25/2019	Licensing Manual: Termination of Federal Charter	January 2019	Comptroller's Licensing Manual
01/16/2019	Licensing Manual: Failure Acquisitions	January 2019	Comptroller's Licensing Manual
07/31/2018	Comptroller's Licensing Manual Supplement: Considering Charter Applications From Financial Technology Companies	July 2018	Comptroller's Licensing Manual
08/23/2017	Licensing Manual: Substantial Asset Changes, Including Changes in Charter Purpose	August 2017	Comptroller's Licensing Manual
01/06/2017	Licensing Manual: Changes of Corporate Title and Address	January 2017	Comptroller's Licensing Manual
09/18/2002	A Guide to Tribal Ownership of a National Bank	September 2002	Comptroller's Licensing Manual