Independent Banker - March 2019 - 28
PORTFOLIO
Q&A: Joseph Otting,
comptroller of the currency
Regulation
In the first of a two-article series, we
ask Joseph Otting, comptroller of the
Office of the Comptroller of the Currency, for his views
on the national bank charter, bank consolidation and
whether the big banks are too big.
Q:
A:
How have your 15 months as comptroller
reshaped your perspectives on the OCC, the
financial services sector and community banks?
As a former banker and now as a regulator, I have
firsthand experience with the high quality of supervision
provided by the OCC. It was of the highest quality
while I was a banker and remains so today. My tenure at the
OCC has reinforced my belief that community banks are a
critical foundation of our banking system and play a vital
28 Q ICBA Independent Banker Q March 2019
role across the nation, creating jobs and economic opportunity.
Until you have been part of the OCC, you cannot
truly appreciate the resources and expertise that the agency
commits to providing quality supervision to America's community
banks. Nearly 80 percent of the banks and savings
associations supervised by the OCC are community banks
with less than $1 billion in assets.
Q:
A:
What would you say to a community banker
thinking about selling their bank due to excessive
regulatory burden and unfair competition?
I'd say it's a great time to be a banker. As comptroller,
I have made it a priority to eliminate unnecessary
regulatory burden so that banks can be engines of economic
opportunity. As a banker for more than 30 years, I
Andrew Harrer/Bloomberg/Getty Images
Independent Banker - March 2019
Table of Contents for the Digital Edition of Independent Banker - March 2019
Table of Contents
Independent Banker - March 2019 - Intro
Independent Banker - March 2019 - Cover1
Independent Banker - March 2019 - Cover2
Independent Banker - March 2019 - Table of Contents
Independent Banker - March 2019 - 2
Independent Banker - March 2019 - 3
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Independent Banker - March 2019 - Cover3
Independent Banker - March 2019 - Cover4
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