Bank Supervision Policy

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:

• International Banking provides support for OCC’s international-related activities. Among International Banking’s duties are serving as the primary point of contact for international banking supervisors and as a clearinghouse for various requests the agency receives. Also, International Banking administers the OCC’s Foreign Technical Assistance (FTA) program.
• Capital Policy strives to ensure that regulatory capital requirements adequately reflect risk. In coordination with other U.S. regulators and international standard setters, Capital Policy identifies and develops policies to address emerging risks to bank capital.

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

• identifies and addresses emerging governance and operational risk issues through timely development and communication of OCC policies, guidance, and examination procedures.
• develops and maintains effective and meaningful governance, risk management, information technology, cybersecurity, payments, and operational risk supervisory policy guidance, examination tools, and training.
• provides timely and consistent interpretation of policy guidance to examiners and bankers.
• maintains current knowledge and conducts unique work on industry trends to serve as a thought leader for guidance on governance, risk management, and operational risks.
• provides and supports effective risk-based supervision of service providers.