OCC issues bulletin on credit risk ratings
November 12, 2026 / By ICBA
The OCC issued a bulletin on how banks treat guarantor support when assigning risk ratings to commercial credits.
Details: The OCC said the bulletin:
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Provides background information about credit risk ratings.
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Emphasizes that credit risk ratings are based on the specific facts and circumstances of the credit.
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Emphasizes that credit risk mitigation provided by guarantor support can result in a range of outcomes depending on the circumstances.
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Explains how guarantor capacity and willingness are considered when assigning a credit’s risk rating.
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Discusses types of guarantees and how characteristics of each can affect the extent of credit risk that is mitigated by guarantor support.
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