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On October 4,2006, the Offi ce of the Comptroller of the Currency (DCC) , the Board of

On October 4,2006, the Offi ce of the Comptroller of the Currency (DCC) , the Board of-2025

On October 4,2006, the Offi ce of the Comptroller of the Currency (DCC) , the Board of Preview on Page 1

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The document provides guidance from the Conference of State Bank Supervisors (CSBS) and the American Association of Residential Mortgage Regulators (AARMR) on the risks associated with nontraditional mortgage products, such as interest-only and payment option adjustable-rate mortgages. It emphasizes the need for consistent regulation to protect consumers, particularly regarding the understanding of potential risks like payment shock and negative amortization. The guidance outlines best practices for mortgage providers in terms of underwriting standards, risk management, consumer communication, and compliance with applicable laws to ensure that borrowers are adequately informed about the terms and risks of these mortgage products.

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What does the Office of the Comptroller of the Currency do?

On February 25, 1863, President Lincoln signed the National Currency Act into law, creating the Office of the Comptroller of the Currency and charging it with responsibility for organizing and administering a system of nationally chartered banks and a uniform national currency.

When was the Office of the Comptroller of the Currency founded?

One of the oldest federal agencies, the Office of the Comptroller of the Currency (OCC) was established in 1863 by the National Currency Act. 1 Its main purpose is to supervise, regulate, and provide charters to banks operating in the U.S. to ensure the soundness of the overall banking system.

What is the Office of the Comptroller of the Currency investopedia?

Rodney E. Hood became Acting Comptroller of the Currency on February 10, 2025. The Comptroller of the Currency is the administrator of the federal banking system and head of the OCC. You can also view past Comptrollers of the Currency.