{"abstract":"The Office of the Comptroller of the Currency (OCC) is revising its rules in order to reduce unnecessary regulatory burden, update certain rules, and make certain technical, clarifying, and conforming changes to its regulations. These revisions result from the OCC's most recent review of its regulations to ensure that they effectively advance our mission to promote the safety and soundness of the national banking system, ensure that national banks can compete efficiently in the financial services marketplace, and foster fairness and integrity in national banks' dealings with their customers, without imposing regulatory burden unnecessary to the achievement of those objectives. The revisions also further the purposes of the Economic Growth and Regulatory Paperwork Reduction Act of 1996, which, among other provisions, directs the OCC to identify and, if appropriate, eliminate regulations that are outdated, unnecessary, or unduly burdensome.","action":"Final rule.","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2008/04/24/E8-8443.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1,"title":12},{"chapter":null,"citation_url":null,"part":2,"title":12},{"chapter":null,"citation_url":null,"part":3,"title":12},{"chapter":null,"citation_url":null,"part":4,"title":12},{"chapter":null,"citation_url":null,"part":5,"title":12},{"chapter":null,"citation_url":null,"part":7,"title":12},{"chapter":null,"citation_url":null,"part":9,"title":12},{"chapter":null,"citation_url":null,"part":10,"title":12},{"chapter":null,"citation_url":null,"part":11,"title":12},{"chapter":null,"citation_url":null,"part":12,"title":12},{"chapter":null,"citation_url":null,"part":16,"title":12},{"chapter":null,"citation_url":null,"part":19,"title":12},{"chapter":null,"citation_url":null,"part":21,"title":12},{"chapter":null,"citation_url":null,"part":22,"title":12},{"chapter":null,"citation_url":null,"part":23,"title":12},{"chapter":null,"citation_url":null,"part":24,"title":12},{"chapter":null,"citation_url":null,"part":26,"title":12},{"chapter":null,"citation_url":null,"part":27,"title":12},{"chapter":null,"citation_url":null,"part":28,"title":12},{"chapter":null,"citation_url":null,"part":31,"title":12},{"chapter":null,"citation_url":null,"part":32,"title":12},{"chapter":null,"citation_url":null,"part":34,"title":12},{"chapter":null,"citation_url":null,"part":37,"title":12},{"chapter":null,"citation_url":null,"part":40,"title":12}],"citation":"73 FR 22216","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This rule is effective on July 1, 2008. National banks, and foreign banks taking actions with respect to Federal branches and agencies, may elect to comply voluntarily with any applicable provision of the rule at any time prior to this effective date.","disposition_notes":null,"docket_ids":["Docket ID 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