OCC
Est. 1863
Office of the Comptroller of the Currency
Regulates the largest US banks. Consent orders signal serious supervisory action.
Parent
U.S. Department of the Treasury
Jurisdiction
National banks and federal savings associations
Headline
Active consent orders · Civil money penalties · Regulates national banks
What the OCC is
The OCC is one of the oldest federal financial regulators, established during the Civil War to create a national banking system. It charters, regulates, and supervises all national banks — those with "National" in their name or "N.A." (National Association) after it — as well as federal savings associations. The OCC examines banks for safety, soundness, and compliance with consumer protection laws.
What the OCC does
- Charters and licences national banks and federal savings associations
- Conducts regular safety and soundness examinations
- Issues consent orders, formal agreements, and civil money penalties (CMPs) for violations
- Publishes enforcement actions in a public database updated monthly
- Supervises compliance with fair lending laws including ECOA and the Fair Housing Act
- Oversees large and mid-size bank operations including JPMorgan Chase, Bank of America, Wells Fargo, and Citibank
Why ComplaintRate uses OCC data
OCC enforcement actions are among the most serious regulatory sanctions a national bank can receive. A consent order requires an institution to take specific corrective action under OCC supervision and typically remains active for 2–5 years. Civil money penalties represent the OCC’s financial punishment for violations. ComplaintRate tracks whether each institution has active OCC enforcement actions and the cumulative penalty amount — surfacing institutions where the regulator of record has formally found violations serious enough to warrant public enforcement.
What OCC data means for you
If your bank is a national bank (Chase, Bank of America, Wells Fargo, Citibank, and hundreds of others), the OCC is its primary regulator. An active OCC consent order on ComplaintRate means the OCC has found specific deficiencies in that bank's compliance with consumer protection, safety, or soundness requirements. You can file a complaint about a national bank directly with the OCC at helpwithmybank.gov.
OCC fields in ComplaintRate database
occ_has_active_actionocc_active_actionsocc_action_typesocc_most_recent_actionocc_total_cmp_usdOther data sources
ComplaintRate.com is an independent data publisher and is not affiliated with, endorsed by, or sponsored by any U.S. federal agency. Data sourced from publicly available government databases.