National Supervisory Authority & Licensing Qualification Dossier • Asia-Pacific
Office of the Comptroller of the Currency (U.S.)
Global JurisdictionSource / Native Reference: 美国货币监理署
- Supervisory tier
- Tier-2
- License classes
- 2
- Licensed records
- 13
- Active / regulated
- 13
Statutory Supervisory Mandate & Scope
Office of the Comptroller of the Currency (U.S.) (Office of the Comptroller of the Currency (U.S.)) exercises statutory authority over commercial banks, deposit-taking institutions, foreign exchange dealers, and payment service providers in Global Jurisdiction.
Prudential Tier Assessment
Tier-2Tier-2 sovereign central bank and macroprudential banking supervisor for Global Jurisdiction, enforcing Basel III capital adequacy and national payment system integrity.
National licensing qualifications & statutory authorisation classes (Office of the Comptroller of the Currency (U.S.))
Authorisation categories, permitted institutional and retail activities, minimum initial capital adequacy, and ongoing prudential solvency rules enforced by Office of the Comptroller of the Currency (U.S.) in Global Jurisdiction.
| License class / code | Official designation | Permitted institutional & retail activities | Minimum initial / base capital | Ongoing prudential & solvency rule |
|---|---|---|---|---|
| Class A / Commercial Banking Charter | Full Commercial & Institutional Banking Licence | Deposit-taking, commercial lending, interbank FX market-making, trade finance, and institutional custody. | USD $5,000,000 – $15,000,000 equivalent statutory paid-up banking capital | Minimum Basel III Total Capital Ratio ≥ 10.5%–12.5%, CET1 ≥ 7.0%, LCR ≥ 100%, and NSFR ≥ 100%. |
| EMI / Payment & FX Institution Licence | Authorised Payment Institution / Electronic Money & FX Remittance Licence | Cross-border remittance, electronic money issuance, merchant payment acquiring, and deliverable spot FX conversion. | USD $150,000 – $500,000 equivalent paid-up capital plus statutory central bank security deposit. | 100% daily safeguarding of customer float in segregated commercial bank trust accounts. |
Investor compensation, client money segregation & digital-asset regime
Statutory counterparty protections, custody reconciliation mandates, and virtual-asset licensing status under Office of the Comptroller of the Currency (U.S.).
Statutory Deposit Insurance & Bank Resolution Scheme (Global Jurisdiction)
- Maximum coverage per client
- Protected up to statutory national deposit insurance ceiling per banking depositor
- Eligible counterparties & scope
- Retail depositors and eligible corporate deposit accounts held at licensed credit institutions.
Office of the Comptroller of the Currency (U.S.) Prudential Safeguarding & Custody Directives
- Reconciliation & audit cadence
- Daily reserve and Nostro/Vostro liquidity reconciliation; 100% ring-fencing of payment institution safeguarding accounts.
- Approved custodian requirements
- Central bank reserve accounts or ring-fenced statutory trust accounts at Tier-1 correspondent banks.
Office of the Comptroller of the Currency (U.S.) Prudential Cryptoasset Exposure (BCBS SCO60) & CBDC / Stablecoin Oversight
- Travel Rule, custody & stablecoin rules
- Full FATF Recommendation 16 Wire Transfer & Virtual Asset Travel Rule compliance across supervised banking rails.
Primary Governing Statutes & Rulebooks
- Central Bank & Banking Supervision Act of Global Jurisdiction
- Basel III Capital Adequacy (CET1 / Tier 1 / Total Capital) & Liquidity (LCR / NSFR) Prudential Standards
- National Payment Systems & Foreign Exchange Control Regulations (Global Jurisdiction)
- FATF-Aligned Anti-Money Laundering & Counter-Terrorist Financing (AML/CFT) Banking Directives
Regulatory Reporting & Audit Obligations
Monthly/Quarterly Basel III COREP/FINREP prudential capital and liquidity returns to Office of the Comptroller of the Currency (U.S.)Annual IFRS statutory financial audit by an approved central-bank-panel external audit firmReal-time large-exposure, foreign exchange position, and suspicious transaction reporting (STR)
Cross-Border Equivalence & Passporting
Requires Office of the Comptroller of the Currency (U.S.) home-host supervisory college approval or local branch/representative office licensing for cross-border banking operations.
Supervised institutions & Office of the Comptroller of the Currency (U.S.) licence records in our database
13 licence records referencing Office of the Comptroller of the Currency (U.S.) (13 regulated/registered).
| Institution | Licence number | Status | Licensed legal entity | Effective date | Verification |
|---|---|---|---|---|---|
| American Express | 25151 | Regulated | American Express National Bank | 2000-12-01 | |
| BofA | Not supplied | Regulated | American National Bank | — | |
| Citibank, N.A. | Not supplied | Regulated | CITIBANK, N.A. | — | |
| Fifth Third Bank | 21963 | Regulated | Fifth Third Bank, N.A. | 2009-05-04 | |
| KeyBank | 14761 | Regulated | KeyBank National Association | — | |
| MS | 24908 | Regulated | Morgan Stanley Bank, N.A. | — | |
| U.S. Bank | 24 | Regulated | U.S. Bank National Association | 1863-08-10 | |
| MUFG Bank | Not supplied | Regulated | MUFG BANK, LTD | — | |
| Ameriprise Financial | 718164 | Regulated | Ameriprise Bank, FSB | — | |
| GS | 24173 | Regulated | The Goldman Sachs Trust Company, National Association | — | |
| Landmark Bank | Not supplied | Regulated | Landmark National Bank | 1995 | |
| FNB Corporation | 7888 | Regulated | First National Bank of Pennsylvania | — | |
| Anchorage | 25243 | Regulated | Anchorage Digital Bank National Association | 2021-01-19 |
Office of the Comptroller of the Currency (U.S.) (Global Jurisdiction): institutional licensing & due diligence FAQ
Key statutory capital, compensation, custody segregation, and verification answers for compliance teams.
What are the primary licensing classes and minimum capital requirements under Office of the Comptroller of the Currency (U.S.) (Global Jurisdiction)?
Office of the Comptroller of the Currency (U.S.) (Office of the Comptroller of the Currency (U.S.)) supervises financial institutions in Global Jurisdiction under Central Bank & Banking Supervision Act of Global Jurisdiction and Basel III Capital Adequacy (CET1 / Tier 1 / Total Capital) & Liquidity (LCR / NSFR) Prudential Standards. Key statutory authorisation classes include: Class A / Commercial Banking Charter (Full Commercial & Institutional Banking Licence — min. capital: USD $5,000,000 – $15,000,000 equivalent statutory paid-up banking capital); EMI / Payment & FX Institution Licence (Authorised Payment Institution / Electronic Money & FX Remittance Licence — min. capital: USD $150,000 – $500,000 equivalent paid-up capital plus statutory central bank security deposit.). Ongoing prudential supervision requires strict adherence to capital adequacy and liquidity buffers.
Does Office of the Comptroller of the Currency (U.S.) provide statutory investor compensation and mandatory client asset segregation?
Under Office of the Comptroller of the Currency (U.S.)'s framework, investor protection is governed by Statutory Deposit Insurance & Bank Resolution Scheme (Global Jurisdiction) with maximum coverage of Protected up to statutory national deposit insurance ceiling per banking depositor (Retail depositors and eligible corporate deposit accounts held at licensed credit institutions.). For client money and custody assets, supervised firms must comply with Office of the Comptroller of the Currency (U.S.) Prudential Safeguarding & Custody Directives, performing daily reserve and nostro/vostro liquidity reconciliation; 100% ring-fencing of payment institution safeguarding accounts. with central bank reserve accounts or ring-fenced statutory trust accounts at tier-1 correspondent banks..
How does Office of the Comptroller of the Currency (U.S.) regulate digital assets, crypto exchanges (VASPs/CASPs), and stablecoins?
Office of the Comptroller of the Currency (U.S.)'s digital-asset regime is structured around Office of the Comptroller of the Currency (U.S.) Prudential Cryptoasset Exposure (BCBS SCO60) & CBDC / Stablecoin Oversight (Regulates bank custody, payment settlement rails, fiat-backed stablecoin reserve backing, and Basel SCO60 capital weights.). Custody and AML/CFT compliance obligations require: Full FATF Recommendation 16 Wire Transfer & Virtual Asset Travel Rule compliance across supervised banking rails.
How can I verify an institution's Office of the Comptroller of the Currency (U.S.) licence number and check our 13 recorded licence entries?
Our database currently tracks 13 licence records referencing Office of the Comptroller of the Currency (U.S.) (13 marked regulated or registered). To verify a counterparty at the primary source, open Office of the Comptroller of the Currency (U.S.)'s official public register (https://www.occ.treas.gov/), search by the exact reference number and legal entity name, and confirm that the firm's domain and permitted activities match its statutory authorisation.
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Statutory licensing classes, base capital rules, and investor protection summaries for Office of the Comptroller of the Currency (U.S.) (Global Jurisdiction) are maintained for institutional benchmarking and do not constitute legal advice. Always verify current rulebooks and active firm authorisations directly on Office of the Comptroller of the Currency (U.S.)’s official public register.