Revised Policies and Procedures Manuals for Bank Enforcement Actions and Related Matters and Matters Requiring Attention

August 27, 2026 Page 1 of 30
PPM 5310-3
Section: Bank Supervision Subject: Bank Enforcement Actions
and Related Matters
To: Deputy Comptrollers, Department and Division Heads, District Counsel, and All Examining Personnel Purpose and Scope This Policies and Procedures Manual (PPM) issuance revises PPM 5310-3, “Bank Enforcement Actions and Related Matters,” dated May 25, 2023, which establishes general policies and procedures for Office of the Comptroller of the Currency (OCC) staff when the OCC takes enforcement actions against banks in response to violations of laws, regulations, final agency orders, conditions imposed in writing, or written agreements (collectively, violations); unsafe or unsound practices; and noncompliance with safety and soundness guidelines. This PPM uses the term “deficiencies” to refer to violations and unsafe or unsound practices; “deficiencies” does not refer to noncompliance with safety and soundness guidelines under 12 CFR 30. This PPM provides guidance on selecting the enforcement actions best suited to resolve a bank’s deficiencies or noncompliance with safety and soundness guidelines and promotes consistency while preserving flexibility for individual circumstances. This PPM applies to the supervision of all banks examined by the OCC. National banks, federal savings associations, and federal branches and agencies are collectively referred to as “banks” in this PPM. When necessary, types of banks are specifically distinguished or excepted. 1 This PPM does not address enforcement actions against institution-affiliated parties or other individuals, civil money penalty (CMP) actions, or actions to enforce securities laws. 2 This PPM also does not address conditions imposed in writing or operating agreements issued in the context of a bank’s licensing filing. 3 “Enforcement actions” as used in this PPM do not include restrictions 1 The principles in this PPM may be considered in taking an enforcement action against a third-party service provider. Examiners should consult with Chief Counsel’s Office staff in Enforcement (Enforcement) on these matters. 2 Refer to PPM 5310-13, “Institution-Affiliated Party Enforcement Actions and Related Matters”; PPM 5310-8, “Fast Track Enforcement Program”; PPM 5000-7, “Civil Money Penalties”; and PPM 5310-5, “Securities Activities Enforcement Policy.” 3 For the purposes of this PPM, a “licensing filing” means an application, notice, or other request submitted to the OCC under 12 CFR 5.