Credit Card Lending

Overview

This booklet discusses the operations of banks that issue credit cards, risks associated with credit card lending, prudent risk management practices, and regulatory requirements.

Applicability

This booklet applies to the OCC's supervision of national banks and federal savings associations. References to national banks in this booklet also generally apply to federal branches and agencies of foreign banking organizations. Refer to 12 USC 3102(b) and the "Federal Branches and Agencies Supervision" booklet of the Comptroller's Handbook for more information.

Worksheets

• Appendix C: Uniform Retail Credit Classification and Account Management Policy Checklist (RCCP Checklist) (MS Word)
• Appendix D: Account Management and Loss Allowance Guidance Checklist (MS Word)
• Appendix E: Debt Suspension Agreement and Debt Cancellation Contract Forms and Disclosure Worksheet (MS Word)
• Appendix F: Debt Suspension and Debt Cancellation Product Information Worksheet (MS Word)