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ARTICLE · 19 JULY 2017

OCC Releases Semiannual Risk Report

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The Office of the Comptroller of the Currency ("OCC") described the principal risks facing national banks and federal savings associations in its Semiannual Risk Perspective for Spring 2017 (the "Report").

United StatesFinance and Banking
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The Office of the Comptroller of the Currency ("OCC") described the principal risks facing national banks and federal savings associations in its Semiannual Risk Perspective for Spring 2017 (the "Report").

In the Report, the OCC identified the following key risk themes:

  • strategic risk due to a changing regulatory climate, low interest rates and competition from nonfinancial firms, including fintech companies;
  • increased credit risk and relaxed underwriting standards due to strong risk appetite and competitive pressures;
  • elevated operational risk as a result of increased reliance on third-party service providers and attendant cybersecurity risks; and
  • high compliance risk as banks navigate money laundering risks and new consumer protection requirements.

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