Installment Lending

A bank’s installment lending portfolio is usually comprised of secured or unsecured small loans, each scheduled to be repaid in equal installments at fixed intervals over a specific period (closed-end loans).

Installment loans are made directly to customers for activities such as buying automobiles, boats, or recreational vehicles. Other installment loans are made indirectly, that is, customers purchase these types of items by accepting loans from thirdparty brokers or dealers. Although automobile leases are not the same as loans, the installment lending industry typically manages leases in the same manner as loans.

Handbooks

Date	Title	Version
05/01/2018	Comptroller's Handbook: Installment Lending	May 2018
05/23/2018	Comptroller's Handbook: Retail Lending	May 2018
08/12/2014	Comptroller's Handbook: Lease Financing	January 2017
09/02/2020	Comptroller's Handbook: Other Real Estate Owned	September 2020
10/27/2015	Comptroller's Handbook: Floor Plan Lending	January 2017
05/09/2016	Comptroller's Handbook: Student Lending	February 2017

Bulletins

Date	ID	Title
06/20/2000	OCC 2000-20	Uniform Retail Credit Classification and Account Management Policy: Policy Implementation
06/06/2023	OCC 2023-17	Third-Party Relationships: Interagency Guidance on Risk Management
01/29/2015	OCC 2015-7	Student Loans: Interagency Guidance on Private Student Loans With Graduated Repayment Terms at Origination
01/24/2017	OCC 2017-7	Third-Party Relationships: Supplemental Examination Procedures

Advisory Letters

Date	ID	Title
11/27/2000	AL-2000-11	Title Loan Programs