OCC Regulations(http://www.occ.gov/topics/laws-regulations/occ-regulations/index-occ-regulations.html) - The Office of the Comptroller of the Currency (OCC) The OCC is the primary regulator of banks chartered under the National Bank Act (12 USC 1 et seq.) and federal savings associations chartered under the Home Owners Loan Act of 1933 (12 USC 1461 et seq.). You will find the OCC's regulations, derived from these acts, in Title 12 of the Code of Federal Regulations - Banks and Banking (12 CFR Parts 1-199).