About (2024)

The OCC charters, regulates, and supervises all national banks and federal savings associations as well as federal branches and agencies of foreign banks. The OCC is an independent bureau of the U.S. Department of the Treasury.

  • Our Mission

    To ensure that national banks and federal savings associations operate in a safe and sound manner, provide fair access to financial services, treat customers fairly, and comply with applicable laws and regulations.

  • Our Vision

    The OCC is the preeminent prudential supervisor that

    • adds value through proactive and risk-based supervision;
    • is sought after as a source of knowledge and expertise; and
    • promotes a vibrant and diverse banking system that benefits consumers, communities, businesses, and the U.S. economy.
  • Our Core Values

    The OCC adheres to four key tenets in carrying out its mission and vision:

    • Integrity
    • Expertise
    • Collaboration
    • Independence

About (1)

160 Years of Safeguarding Trust in Banking: 1863 – 2023

The OCC has steadfastly served the American public for 160 years by ensuring the federal banking system is safe and sound, provides fair access to financial services, treats customers fairly, and complies with applicable laws and regulations.

Who We Are

  • About (2)

    Michael J. Hsu
    Acting Comptroller of the Currency

    Michael J. Hsu became Acting Comptroller of the Currency on May 10, 2021. The Comptroller of the Currency is the administrator of the federal banking system and head of the OCC.

  • About (3)

    The people who lead the OCC are experienced professionals with diverse backgrounds in disciplines necessary to advance the agency's mission and vision. They are experts in bank examination, law, risk management, economics, finance and accounting, organizational management and governance, human resources, communications, and technology. They collaborate to help ensure the safety and soundness of our federal banking system and to help make the OCC one of the best places to work in the federal government.

What We Do

  • The OCC, an independent branch of the U.S. Department of the Treasury, charters, regulates, and supervises all national banks and federal savings associations as well as federal branches and agencies of foreign banks. The OCC carries out its mission by

    • issuing banking rules and regulations and providing legal interpretations and guidance on banks' corporate decisions that govern their practices.
    • visiting and examining the banks it oversees.
    • evaluating applications for new bank charters or branches; for other proposed changes in the corporate structure of banks or their activities; and from foreign banks that wish to operate in the United States under an OCC charter.
    • imposing corrective measures, when necessary, on OCC-governed banks that do not comply with laws and regulations or that otherwise engage in unsafe or unsound practices.
    • protecting consumers by making sure banks give fair access and equal treatment to customers and comply with consumer banking laws.

    About (4)

OCC at a Glance

  • 1,062

    Banks Supervised

    The OCC supervises national banks, federal savings associations, and federal branches and associations of foreign banks.

  • $15.5T

    Value of Bank Assets

    These assets, held by OCC-regulated institutions, compose 66 percent of all U.S. commercial banking assets.

  • 2,370

    OCC Examiners

    OCC examiners are located across 76 operating locations.

  • $1.194B

    FY 2023 Budget

    The OCC's operating and capital budget is funded primarily by assessments, fees paid by banks, interest received on investments, and other income.

Our History

Founding of the OCC and the National Banking System

President Abraham Lincoln recognized that the United States' fragmented banking and monetary system needed tighter structure and order. 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.

About (5)

Hugh McCulloch: The OCC's First Comptroller

President of the Bank of Indiana, Hugh McCulloch had come to Washington to fight against the national banking legislation that had been signed by President Lincoln in February 1863. Ironically, he ultimately became its champion and proved to be an industrious, able administrator as the first Comptroller of the Currency. He went on to serve two terms as Secretary of the Treasury.

About (6)
About (2024)


What does answer enough mean? ›

You can use it when you want to suggest that a particular answer is sufficient or adequate. For example: "I think my answer to that question is answer enough for now.".

How do I know if I am good enough? ›

Self-talk. Self-talk is your internal monologue – the conversation you have with yourself throughout the day. If you feel you're not good enough, it's essential to catch any negative self-talk and change those words to empowering ones. Ask yourself: Would I say this to my best friend?

How are you better answers? ›

Here are some example answers:
  • “Fine. How are you?”
  • “I'm good. And you?”
  • “Can't complain! How are you?”“Pretty good. Excited for [upcoming event, season, or holiday]. ...
  • “I'm all right. Thanks.”
  • “I'd be better if it would stop raining!”
  • “Good enough for a Monday morning. How are you?”
  • “Living the dream.”
Mar 18, 2024

What does enough for today mean? ›

“That's enough for today” is a very common sentence we say when we decide to end some regular activity, such as working, practising something, playing something or doing exercises.

How do you explain enough? ›

enough means 'as much as necessary'. It can be used with an adjective, an adverb, a verb or a noun. It can also act as a pronoun.

What is enough example? ›

Examples of enough in a Sentence

Adverb I couldn't run fast enough to catch up with her. She's old enough to know better. Are you rich enough to retire? That's good enough for me.

How to realize you are enough? ›

What can you do to finally feel like enough
  1. Practice gratitude daily.
  2. Live in alignment with your values – We all have an inner code. ...
  3. Design your life around your true priorities. ...
  4. Reconnect to your true self.
  5. Stop being so damn independent! ...
  6. Set realistic expectations for yourself.
  7. Ask for help.
  8. Live with the end in mind.

What is good enough mindset? ›

“Good enough” is a mindset that plagues individuals at work and home in different aspects of life — aiming lower than our potential leaves a lot on the table. In the construction industry, when it comes to safety, aiming lower than expected can lead to severe injuries.

What does "you are enough" mean? ›

At its core, "you are enough" is a message of self-worth. It means that you, as a person, are valuable and lovable simply because you exist. It's a reminder that you don't have to be perfect, or have everything figured out, or meet anyone else's standards in order to be worthy of love and respect.

How are you positive answers? ›

Here are some example responses:
  • I'm fine, thanks. How about you?
  • Good, thanks. And you?
  • I'm good. And yourself?
  • Not bad. How are you?
  • Fine, and you?
  • I'm doing well, and you?
  • Good, how about you?
Apr 6, 2023

What's a flirty response to "how are you?"? ›

Better, now that I'm talking to you.”

Texting is also a great way to deepen an intimate connection with someone by flirting, so try to make your response a little playful and intriguing. “How do you want me to be?” “I'd be better if you were with me.” “Extremely good looking, I'd say!”

What it means to have enough? ›

Want no more of something, as in I've had enough of their quarreling . This phrase uses enough in the sense of “an adequate amount,” which is intended ironically to mean “a more than sufficient amount.” [c.

What does only enough mean? ›

It means exactly (or close to) the minimum required amount, but no more.

What is the meaning of just enough? ›

just enough n

(precisely sufficient amount) (informal)

What does it mean when someone says that's enough? ›

convention. You say 'that's enough' to tell someone, especially a child, to stop behaving in a silly, noisy, or unpleasant way.

What does the slang enough said mean? ›

informal. used in speech to say that one understands what someone is telling him or her and no further information is needed.

What does the response fair enough mean? ›

phrase. You use fair enough when you want to say that a statement, decision, or action seems reasonable to a certain extent, but that perhaps there is more to be said or done. [mainly spoken] If you don't like it, fair enough, but that's hardly a justification to attack the whole thing.

What does have enough mean? ›

Want no more of something, as in I've had enough of their quarreling . This phrase uses enough in the sense of “an adequate amount,” which is intended ironically to mean “a more than sufficient amount.” [c.


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