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СпутникиРНSpaceXРоскосмосNASAOn July 13, 2026, following the President's Executive Order on "Restoring Integrity to America's Financial System," the Office of the Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), and National Credit Union Administration (NCUA) issued guidance reminding supervised financial institutions to apply existing safe-and-sound credit risk management practices when lending to borrowers who are not legally authorized to work in the United States (non-work authorized borrowers). The guidance advises that non-work authorized borrowers may present elevated credit risk because their ability to generate income, employment continuity, and financial stability may be more uncertain.
OCC Bulletin 2026-31 | July 13, 2026
Chief Executive Officers of All National Banks, Federal Savings Associations, and Federal Branches and Agencies; Department and Division Heads; All Examining Personnel; and Other Interested Parties
On July 13, 2026, following the President’s Executive Order on “Restoring Integrity to America’s Financial System,” the Office of the Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), and National Credit Union Administration (NCUA) issued guidance reminding supervised financial institutions to apply existing safe-and-sound credit risk management practices when lending to borrowers who are not legally authorized to work in the United States (non–work authorized borrowers). The guidance advises that non–work authorized borrowers may present elevated credit risk because their ability to generate income, employment continuity, and financial stability may be more uncertain.
The interagency guidance applies to community banks.
Please contact Enice Thomas, Deputy Comptroller for Credit Risk, Office of the Chief National Bank Examiner, at 202-649-5420.
James M. Gallagher
Senior Deputy Comptroller and Chief National Bank Examiner