Chartering, Organization and Structure

Chartering, Organization and Structure (COS) is responsible for ensuring that the corporate structure of national banks and Federal savings associations is established and maintained in accordance with the principles of a safe and sound U.S. banking system as predicated by law and regulation. COS renders independent decisions supported by a sound record of facts and comprehensive financial, supervisory and legal analyses. These principles are applied throughout the life of a national bank and federal savings association.