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A national bank may appeal the following OCC supervisory decisions or actions:
- Examination ratings.
- Adequacy of the allowance for loan and lease loss methodology.
- Individual loan ratings.
- Violations of law.
- Shared National Credit (SNC) decisions.
- Fair-lending-related decisions.
- Licensing decisions.
- Material supervisory determinations such as matters requiring attention, compliance with enforcement actions, or other conclusions in the report of examination (ROE). (However, an appeal of ROE conclusions is limited to whether the examiners correctly applied established policies and standards.
- Appointment of a receiver (FDIC).
- Preliminary examination conclusions communicated to the bank before a final ROE.
- Any formal enforcement-related decisions, including decisions to seek the issuance of a formal agreement or a cease-and-desist order; the assessment of a civil money penalty; take prompt corrective action; a safety and soundness order; or formal investigations.
- Formal and informal rulemakings.
- Requests for OCC records under the Freedom of Information Act.
For more information, you can read the entire bulletin here.