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OCC Bulletin 2021-21 | April 19, 2021
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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
Effective immediately, the Office of the Comptroller of the Currency (OCC) has terminated its Portfolio Stress Test Tool for Income-Producing Commercial Real Estate on BankNet.
This bulletin applies to community banks.
The OCC has
In 2012, the OCC released the tool and associated documents to demonstrate basic portfolio stress testing concepts and to help banks conduct portfolio stress testing on income-producing commercial real estate portfolios. The use of the tool was optional. Today, several methods and tools are available for performing loan portfolio stress testing, and banks generally have satisfactory policies, processes, systems, and, in some cases, advanced approaches for conducting ongoing portfolio stress testing. In addition, the OCC has observed decreased use of the tool. For these reasons, the OCC has terminated the tool.
Please contact Commercial Credit Risk Policy at (202) 649-6670.
Grovetta N. Gardineer Senior Deputy Comptroller for Bank Supervision Policy