OCC issues version 3.0 of Concentrations of Credit examiner handbook
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The OCC has replaced version 2.0 of its Concentrations of Credit booklet with a reorganised version 3.0, used by examiners across all OCC-supervised banks. The threshold definition is unchanged, but the handling of securitizations, correlations and aggregate risk assessment is expanded. This short segment covers what moved, what the definition still is, and what examiners will be working from.
- Version 3.0 replaces version 2.0 and rescinds OCC Bulletin 2020-90, which had transmitted the earlier version.
- The concentration definition is unchanged: obligations exceeding 25 percent of tier 1 capital plus allowance for credit losses.
- New content covers securitizations, the correlation-concentration relationship, and determining aggregate risk.
Executive summary
The Office of the Comptroller of the Currency issued version 3.0 of the "Concentrations of Credit" booklet of the Comptroller's Handbook on 30 September 2026, transmitted through OCC Bulletin 2026-49. The booklet replaces version 2.0 of the same title. The…
The executive summary, the full reported briefing, the analysis and the counterpoint are for subscribers — as is the audio.
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Source documents
https://www.occ.gov/news-issuances/bulletins/2026/bulletin-2026-49.htmlRead by Regulus 12 Oct 2026 at 07:57 UTC
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