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Resources for bankers

Retail Risk Management and Classification

From a regulatory perspective, risk is the potential that events, expected or unanticipated, may have an adverse impact on a bank’s capital or earnings. To control risk and mitigate its impact on financial performance, all banks must have systems that identify, measure, control, and monitor risks. Strong risk management systems are especially important when introducing new products or services and during economic growth or recession. Follow the links on this page for regulatory resources related to retail risk management and classification.


Detecting Red Flags in Board Reports: A Guide for Directors (October 2003)
Describes information generally included in board reports and highlights ratios or trends that may signal existing or potential problems

Uniform Retail Credit Classification and Account Management Policy (OCC 2000-20, June 2000), Final Notice (Federal Register, June 12 2000)
Establishes standards for classification and account management of retail credit in banks and thrifts


Related News and Issuances
Publish DateIdentifierTitle
12/27/2018  OCC 2018-48, Student Lending: Statement on Programs for Rehabilitation of Private Education Loans (Section 602 Rehabilitation Programs)
12/11/2018  NR 2018-135, OCC Reports Slight Improvement in Mortgage Performance
11/21/2018  NR 2018-124, Agencies Announce Threshold for Smaller Loan Exemption from Appraisal Requirements for Higher-Priced Mortgage Loans