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OCC Bulletin 2021-22 | April 29, 2021

Credit Card Lending: Revised Comptroller’s Handbook Booklet and Rescissions


Chief Executive Officers of All National Banks, Federal Savings Associations, and Federal Branches and Agencies; Department and Division Heads; All Examining Personnel; and Other Interested Parties


The Office of the Comptroller of the Currency (OCC) issued today the revised “Credit Card Lending” booklet of the Comptroller’s Handbook, which is prepared for use by OCC examiners in connection with the examination and supervision of national banks, federal savings associations, and federal branches and agencies of foreign banking organizations (collectively, banks).

Refer to the “Foreword” booklet of the Comptroller’s Handbook for more information regarding the OCC’s process for revising and updating booklets.


The revised booklet replaces version 1.2 of the “Credit Card Lending” booklet published on January 6, 2017. This bulletin rescinds OCC Bulletin 2015-41, “Credit Card Lending: Revised Comptroller’s Handbook Booklet and Rescissions,” which was issued on November 4, 2015.

Note for Community Banks

The “Credit Card Lending” booklet applies to the OCC’s supervision of community banks.


The revised booklet

  • reflects the adoption of the current expected credit loss methodology by some banks and the increased use of models in credit card originations and risk management.
  • reflects changes to OCC issuances published and rescinded since this booklet was last issued.
  • includes clarifying edits regarding supervisory guidance, sound risk management practices, or legal language.
  • revises certain content for general clarity.

Further Information

Please contact the Credit Risk Policy Division at (202) 649-6370.


Grovetta N. Gardineer
Senior Deputy Comptroller for Bank Supervision Policy

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