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OCC Bulletin 2025-25 | October 6, 2025
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Chief Executive Officers of All National Banks, Federal Savings Associations, and Federal Branches and Agencies; Department and Division Heads; All Examining Personnel; and Other Interested Parties
The Office of the Comptroller of the Currency (OCC) will no longer examine community banks1 using the procedures and standards in the "Retail Nondeposit Investment Products" (RNDIP) booklet of the Comptroller's Handbook. Community banks are still expected to follow all laws and regulations applicable to their RNDIP offerings and comply with all pertinent legal requirements.
This guidance is applicable to all community banks.
Please contact Chizoba N. Egbuonu, Director for Asset Management, or Rebecca Monroe, National Bank Examiner, Asset Management, the Office of the Chief National Bank Examiner, at (202) 649-6360.
James M. Gallagher Senior Deputy Comptroller and Chief National Bank Examiner
1 "Bank" refers collectively to national banks, federal savings associations, covered savings associations, and federal branches and agencies of foreign banking organizations. OCC News Release 2025-89 (September 18, 2025) identifies "community banks" as institutions with up to $30 billion in assets.