{
  "node_id": "occ-bank-supervision-process",
  "title": "Comptroller’s Handbook Examination Process Bank Supervision Process",
  "domain": "Banking & Global Finance",
  "version": "1.0.0",
  "last_updated": "2025-03-20",
  "bluf": "This booklet is the central reference for the Office of the Comptroller of the Currency (OCC)’s bank supervision policy, explains the OCC’s risk-based bank supervision approach, and discusses the general supervisory process for all types of OCC-supervised banks. The OCC's mission is to ensure that national banks, federal savings associations (FSA), and federal branches and agencies of foreign banking organizations operate in a safe and sound manner, provide fair access to financial services, treat customers fairly, and comply with applicable laws and regulations. For supervisory purposes, the OCC designates banks as community, midsize, or large based on asset size and factors that affect risk profile and complexity.\n\nHigh-quality bank supervision is ongoing and dynamic, responds to changing risks at each bank, and uses OCC resources efficiently by allocating the greatest resources to the areas of highest risk. The core process involves a required full-scope, on-site examination every 12 or 18 months, known as the supervisory cycle. A bank may be eligible for an 18-month cycle if it has less than $3 billion in total assets, is well capitalized, received strong management and composite ratings at its most recent examination, and is not subject to a formal enforcement proceeding. The supervisory process includes planning, discovery, correction, monitoring, and communication with the bank's management and board, culminating in a Report of Examination (ROE) and the assignment of regulatory ratings.",
  "paywall": {
    "status": "LOCKED",
    "unlock_cost_usd": "0.01",
    "skyfire_id": "41779894-ece2-4163-9761-b3b1b76e19b0"
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  "crosswalks": {
    "_available_keys": [
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    "_note": "Full crosswalk values included in vault response"
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  "dependencies": [
    "basel-iii-global-regulatory-framework",
    "nist-cybersecurity-framework-2-0"
  ],
  "primary_citations_count": 7
}