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Bank Supervision Policy (BSP) monitors risk, formulates policies and procedures for the effective supervision and examination of national banks and federal savings associations, provides accounting policy guidance, and promotes community development activities.
BSP comprises the units responsible for policy related to credit risk, market risk, operational risk, compliance risk, compliance supervision management, supervision risk management, capital policy, accounting policy, community affairs and financial technology.
The International Banking and Capital Policy Division provides a variety of resources and expert assistance to national banks, federal saving associations, federal branches and agencies, international banking supervisors, advisors, and OCC examiners on the supervision of foreign banking organizations in the United States, the international activities of U.S. banks, and regulatory capital issues. The division focuses on international policy coordination to help foster financial stability through strong bank supervision and regulation.
The International Banking and Capital Policy Division consists of two departments:
The Community Affairs Division supports the OCC's mission to ensure a safe and sound banking system by helping national banks and federal savings associations to be leaders in providing community development financing, investments, and retail services to underserved communities and consumers. For addition information, see Community Affairs.
The Compliance Risk Policy Division provides consistent and effective compliance policy and guidance to promote safe and sound operation of national banks and federal savings associations, fair access and fair treatment for consumers, compliance with consumer protection laws and regulations, and responsible community reinvestment.
The Credit Risk Division provides information and policy guidance on emerging credit risks and on supervisory issues that confront the federal banking industry by developing and communicating OCC credit risk policies, guidance, and examination procedures that promote federal banks' safety and soundness and compliance with laws and regulations.
The Market Risk Division provides information and policy guidance on emerging market risks and on supervisory issues that confront the federal banking industry by developing and communicating OCC market risk policies, guidance, and examination procedures that promote federal banks' safety and soundness and compliance with laws and regulations.
The Office of the Chief Accountant provides timely high-quality accounting guidance, education, and support to help examiners meet the overall mission of the agency.
The OCC's focus in this area includes matters involving bank-fintech partnerships, artificial intelligence, digital assets and tokenization, as well as other new and changing technologies and business models that affect OCC-supervised banks.
The Operational Risk Division