Public Comments on Applications

Certain financial institution applications and notices require public notice pursuant to a specific law, regulation, or OCC policy, allowing the public an opportunity to comment on the proposed transaction.

Public comments may include:

Support or opposition to a filing;
Request to extend the comment period, or to convene a meeting or public hearing;
Recommendation that the OCC grant approval only if the OCC imposes certain conditions.

Generally, when a public notice is published, the public has 30 days to submit a written comment to the OCC.
Comments may be emailed or mailed to the licensing office where the bank filed its application or notice.
To identify the public comment period see the Weekly Bulletin or the Corporate Applications Search tool.
Additional guidance may be found in the Public Notice and Comments booklet in the Comptroller's Licensing Manual.

The public portions of applications for business combinations that are subject to a public comment period, and for charters are made available in the OCC’s online FOIA Electronic Reading Room.
Applications that receive public comments expressing CRA, fair lending, or consumer compliance concerns, can be viewed on the Public Comments On Licensing Applications page.
In general, the OCC will publish each comment without change, including any business or personal information, name and address, e-mail addresses, and phone numbers.
Comments received, including attachments and other supporting material, are part of the public record and subject to public disclosure.
Do not enclose any information in a comment or supporting material that is confidential or inappropriate for public disclosure.

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