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Safety and Soundness: OCC Identification of Emerging Risks. Audit Report.

机译：安全性和健全性：OCC识别新兴风险。审计报告。

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OCC’s primary mission is to charter, regulate, and supervise national banks and federal savings associations. It also supervises the federal branches and agencies of foreign banks. OCC’s stated goal in supervising banks and federal savings associations is to ensure that they operate in a safe and sound manner and in compliance with laws requiring fair treatment of their customers and fair access to credit and financial products. To accomplish its mission, one of OCC’s strategic objectives is to identify emerging risk areas, including those related to operational and technology related vulnerabilities, and adjust supervisory strategies and activities as appropriate. OCC supervises about 1,400 insured national banks, and in July 2011, pursuant to P.L. 111-203, it assumed regulatory responsibilities for about 640 federal savings associations that had been supervised by the former Office of Thrift Supervision (OTS). A bank’s board of directors and management are responsible for establishing and maintaining effective internal control that meets statutory and regulatory requirements. During an examination, OCC evaluates a bank’s loan policies and risk management systems as part of its overall assessment of the bank’s internal control. 5 If OCC determines that a bank’s internal control needs improvement, it may address the weakness with a matter requiring attention (MRA) and/or by downgrading a component or components of the CAMELS rating.6 An MRA identifies a bank practice noted during an examination that deviates from sound governance, internal control, and risk management principles, which may adversely affect the bank’s earnings or capital, risk profile, or reputation if not addressed. It may also result when the examiner identifies substantive noncompliance with laws and regulations, internal policies or processes, OCC supervisory guidance, or conditions imposed in writing in connection with the approval of any application or other request by a bank.

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