Unsecured Lending

Banks may offer customers a variety of small-dollar, unsecured credit products and services that are related to their deposit accounts. These deposit-related credit (DRC) products and services generally take one of three forms: check credit (CC), overdraft protection (ODP), and deposit advance products (DAP).

Handbooks

Date	Title	Version
09/12/2018	Comptroller's Handbook: Deposit-Related Credit	March 2020
05/23/2018	Comptroller's Handbook: Retail Lending	May 2018

Bulletins

Date	ID	Title
06/06/2023	OCC 2023-17	Third-Party Relationships: Interagency Guidance on Risk Management
06/20/2000	OCC 2000-20	Uniform Retail Credit Classification and Account Management Policy: Policy Implementation
04/06/2005	OCC 2005-9	Overdraft Protection Programs: Interagency Guidance
08/04/2014	OCC 2014-37	Consumer Debt Sales: Risk Management Guidance
08/04/2015	OCC 2015-36	Tax Refund-Related Products: Risk Management Guidance
01/24/2017	OCC 2017-7	Third-Party Relationships: Supplemental Examination Procedures
03/26/2020	OCC 2020-25	Small-Dollar Lending: Joint Statement Encouraging Responsible Small-Dollar Lending in Response to COVID-19
05/20/2020	OCC 2020-54	Small-Dollar Lending: Interagency Lending Principles for Offering Responsible Small-Dollar Loans

Advisory Letters

Date	ID	Title
11/27/2000	AL 2000-10	Payday Lending