OCC Clarifies Filing Decision Process — 2026-06-17

WASHINGTON—The Office of the Comptroller of the Currency (OCC) today clarified the standards for its decisions on filings. OCC filing decisions are governed by 12 CFR 5.13. As stated in the regulation, the OCC may approve, conditionally approve or deny a filing. In addition, the OCC may return a filing as materially deficient where it lacks sufficient information for the OCC to make a determination under the applicable statutory or regulatory criteria. This communication is to remind the public that the OCC strictly adheres to the regulation and to explain how the OCC implements it, which aligns with the agency’s historical practices. The OCC is committed to acting on all filings in a timely manner appropriate to the nature and complexity of the filing. However, the OCC may return a filing without a decision if it finds the filing to be materially deficient.