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Get Answers to Your Banking Questions

Every time I apply for a loan, the bank turns me down. Can the Office of the Comptroller of the Currency (OCC) make the bank give me a loan?

No. The OCC does not make individual credit decisions.

We encourage banks to make prudent loans to sound borrowers and treat customers fairly, but we cannot require banks to extend credit to individuals or businesses.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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