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Examinations are fundamental to the supervision of national banks. Examiners evaluate bank activities and management processes to ensure that banks operate in a safe and sound manner, do not take excessive risks, and comply with laws and regulations.
The OCC examines national banks pursuant to the authority conferred by 12 USC 481 and the requirements of 12 USC 1820(d). These requirements establish minimum frequencies and scopes for examinations, known as the "supervisory cycle."
Two basic examination types:
1. Full-scope, on-site review of bank
2. Review of specialty areas. Examiners are also required to ensure a bank is meeting its legal obligations in the following areas
When and how the full-scope examination and the specialty examinations take place depends on the size and complexity of the bank. The exact process differs for
Frequently Asked Questions About the Assessment Process
Comptroller's Handbook Booklets
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