The OCC is the Treasury bureau that charters, regulates, and supervises national banks and federal savings associations — any bank with 'National' in its name or 'N.A.' after it falls under OCC oversight.
The Office of the Comptroller of the Currency was established in 1863 under the National Currency Act to create a stable national banking system. Today it charters and supervises approximately 1,100 national banks and federal savings associations, including most of the largest banks in the United States. OCC-regulated institutions carry the designation 'National Bank' in their name or the suffix 'N.A.' (National Association) or 'FSB' (Federal Savings Bank). Wells Fargo Bank N.A., JPMorgan Chase Bank N.A., and Bank of America N.A. are all OCC-chartered. State-chartered banks fall under state regulators plus either the Federal Reserve (state member banks) or FDIC (state non-member banks). For small business borrowers, the OCC's supervisory standards shape lending practices at national banks — including Community Reinvestment Act (CRA) examination ratings that affect whether large banks meet small business and community lending obligations. The OCC also issues guidance on bank-fintech partnerships, which increasingly affects how embedded finance and digital lending products work. The OCC's Comptroller's Handbook (https://www.occ.gov/publications-and-resources/publications/comptrollers-handbook/) includes detailed examination procedures for commercial lending, credit underwriting, and consumer compliance — useful reference for understanding how your national bank evaluates your loan application.
National banks (those with 'National' in their name or 'N.A.' suffix) and federal savings associations. State-chartered banks are regulated by state banking departments plus the Federal Reserve or FDIC depending on membership.
OCC examination standards define how national banks must underwrite, document, and manage commercial loans. CRA ratings incentivize national banks to make small business loans in underserved areas. OCC guidance on fintech partnerships shapes how many digital lending products work.
State banking departments (e.g., California DFPI, New York DFS) plus either the Federal Reserve (for state member banks) or the FDIC (for non-member state banks). The OCC only has jurisdiction over nationally chartered institutions.