Recently proposed OCC guidelines contain detailed risk-management standards placing greater responsibility on board members, particularly independent directors, to ensure the rules are followed and requiring that banks have independent audit and risk-management officers who can go straight to the board with concerns.

The standards are authorized by Section 39 of the Federal Deposit Insurance Act, which authorizes the appropriate federal banking agency to prescribe enforceable safety and soundness standards in the form of either regulations or guidelines.

While these "heightened expectations" guidelines formally apply only to federally chartered institutions with more than $50 billion in assets, there is a strong likelihood that, over time, these standards will be applied more broadly throughout the industry.   


  • Details of OCC's "heightened expectations" guidelines 
  • Trends in risk-management issuances of the prudential regulators 
  • Implications and potential effects of the new guidance with respect to depository institutions of all sizes    


12:00 PM - 1:00 PM ET | Webinar


Alan S. Kaplinsky, Practice Leader
Consumer Financial Services Group


John L. Culhane, Jr., Partner
Consumer Financial Services Group

Keith R. Fisher, Of Counsel
Consumer Financial Services Group
Bank Regulation and Supervision Group  

This program is open to Ballard Spahr clients and members of the financial services industry. There is no cost to attend. This program is not eligible for continuing education credits. 

Please register at least two days before the webinar. Login details will be sent to all approved registrants. For more information, contact Lisa M. Prickril at

Program Contact

Lisa Prickril