Reference

Effective internal controls are the foundation of safe and sound banking. A properly designed and consistently enforced system of operational and financial internal control helps a bank's board of...

The term "money market" generally refers to the markets for short- term credit instruments, such as commercial paper, bankers' acceptances, negotiable certificates of deposit, repurchase agreements,...

The acceptance and management of financial risk is inherent to the business of banking and banks' roles as financial intermediaries. To meet the demands of their customers and communities and to...

This document is designed to provide guidance to assist in understanding the OCC's authority to supervise both national banks and federal savings associations. It is not meant to provide a...

This booklet explains the philosophy and methods of the Office of the Comptroller of the Currency (OCC) for supervising the largest and most complex national banks. These banks include large banks as...

A Lease is an agreement allowing one party to use another's property, plant, or equipment for a stated period of time in exchange for consideration. Leases have become more prevalent as businesses...

This booklet describes the fundamentals of leveraged finance. The booklet summarizes leveraged lending risks, discusses how a bank can prudently manage these risks, and incorporates previous OCC...

This booklet provides guidance to examiners and bankers on assessing the quantity of liquidity risk exposure and the quality of liquidity risk management. The sophistication of a bank's liquidity...

Lending is the principal business activity for most commercial banks. The loan portfolio is typically the largest asset and the predominate source of revenue. As such, it is one of the greatest...

Merchant processing is the settlement of electronic payment transactions for merchants. Merchant processing activities involve gathering sales information from the merchant, obtaining authorization...

A management information system is a system that provides the information necessary to manage an organization effectively. MIS and the information it generates are generally considered essential...

Wildfires, floods, hazardous material spills, hurricanes, earthquake, and tornadoes-emergencies, can strike anytime, anywhere. In face the number of annual federal disaster declarations has more than...

Interstate compacts are legal agreements between states designed to address issues that transcend state lines. Compacts enable states to act jointly on matters that are beyond the authority of an...

This OCC Mortgage Metrics Report for the first quarter of 2014 provides performance data on first-lien residential mortgages serviced by selected national banks and one federal savings association...

This OCC Mortgage Metrics Report for the fourth quarter of 2013 provides performance data on first-lien residential mortgages serviced by selected national banks and one federal savings association...

On January 26, 2012, senior DOD leadership unveiled a new defense strategy based on a review of potential future security challenges, current defense strategy, and budgetary constraints. This new...

The U.S. railroad industry consists mostly of freight railroads but also serves passengers. Freight railroads are divided into classes based on revenue. Class I freight railroads earn the most...

Recruiting and hiring involves developing and implementing strategies to advertise positions and attract top candidates as well as assessing applicants' relative competencies or knowledge, skills,...

FTF is the U.S. government's global hunger and food security initiative. The overarching goal of the initiative is to accelerate progress toward the United Nation's Millennium Development Goal of...

This section provides information on the characteristics of RDD and IND attacks, major cities considered at high risk of terrorist act, core capabilities for all hazards preparedness, and response...

Although federal funding may be available to obligate for one-year, multiple years, or until expended (no-year), only accounts with multi-year or no-year funds may carry over amounts that remain...

In general, a user fee is related to some voluntary transaction or request for government goods or services, above and beyond what is normally available to the public (such as a national park...

This section discusses BLM's organizational structure for managing oil and gas development, provides an overview of the process for developing federal oil and gas resources, and describes BLM's...

The Public Safety Partnership and Community Policing Act of 1994, as amended, authorizes grants to states, units of local government, Indian tribal governments, other public and private entities, and...

Within DHS, three components have responsibilities for conducting border and maritime R&D-S&T, the Coast Guard, and DNDO. S&T has five technical divisions responsible for managing the directorate's...

To help protect against threats to federal systems, FISMA sets forth a comprehensive framework for ensuring the effectiveness of information security controls over information resources that support...

Millions of passengers use transit services on a daily basis in the United States, and many of the local transit agencies that provide these services receive federal funding. To meet the needs of...

To determine what is known about the supply and domestic demand for lithium-7, we analyzed data provided by industry representatives, reviewed agency and industry documents, and interviewed agency...

The Department of State (State) leads U.S. diplomatic efforts and has established U.S. missions (e.g., embassies and consulates) in foreign nations. One aim of these U.S. missions is to enhance...

Federal agencies are required to have an occupant emergency program that establishes procedures for safeguarding lives and property during emergencies in their respective facilities.According to ISC,...