# Bank Charter

*/Credentials/Bank_Charter*

## Credential Profile

**Issued By**: [Office of the Comptroller of the Currency](/Regulators/Office_of_the_Comptroller_of_the_Currency)
**Satisfies**:
- [National Bank Act](/Regulations/National_Bank_Act)
- [Bank Holding Company Act](/Regulations/Bank_Holding_Company_Act)
**Qualifies For**:
- [Financial Managers](/Occupations/Financial_Managers)
**Recognized In**:
- [United States](/Jurisdictions/United_States)
**Has Endorsement**:
- [Trust Powers Authorization](/Credentials/Trust_Powers_Authorization)
**Prerequisite Of**:
- [Federal Deposit Insurance Certification](/Credentials/Federal_Deposit_Insurance_Certification)
**Qualifies For Role**:
- [Chartered Bank Operator](/JobTypes/Chartered_Bank_Operator)

## Neighborhood

### Related (depends on)

- [Credit Intermediation](/Industries/Credit_Intermediation) — depends on · Industries
- [Core Banking Operations](/Industries/Core_Banking_Operations) — depends on · Industries
- [Commercial Lending](/Industries/Commercial_Lending) — depends on · Industries
- [Commercial Credit](/Industries/Commercial_Credit) — depends on · Industries
- [Rural Banking](/Industries/Rural_Banking) — depends on · Industries
- [Digital Banking](/Industries/Digital_Banking) — depends on · Industries
- [Depository Banking](/Industries/Depository_Banking) — depends on · Industries
- [Consumer Financial Services](/Industries/Consumer_Financial_Services) — depends on · Industries
- [Consumer Credit Card Issuing](/Industries/Consumer_Credit_Card_Issuing) — depends on · Industries
- [Consumer Banking](/Industries/Consumer_Banking) — depends on · Industries
- [Consumer And Commercial Lending](/Industries/Consumer_And_Commercial_Lending) — depends on · Industries
- [Community Banks and Credit Unions](/Industries/Community_Banks_and_Credit_Unions) — depends on · Industries
- [Community Banking](/Industries/Community_Banking) — depends on · Industries
- [Commercial Real Estate Lending](/Industries/Commercial_Real_Estate_Lending) — depends on · Industries
- [Business Lending](/Industries/Business_Lending) — depends on · Industries
- [Small Business Lending](/Industries/Small_Business_Lending) — depends on · Industries
- [Commercial Banking](/Industries/Commercial_Banking) — depends on · Industries
- [Finance and Insurance](/Industries/Finance_and_Insurance) — depends on · Industries
- [Trust, Fiduciary, and Custody Activities](/Industries/Trust,_Fiduciary,_and_Custody_Activities) — depends on · Industries
- [Credit Intermediation and Related Activities](/Industries/Credit_Intermediation_and_Related_Activities) — depends on · Industries
- [Credit Card Issuing](/Industries/Credit_Card_Issuing) — depends on · Industries
- [Depository Credit Intermediation](/Industries/Depository_Credit_Intermediation) — depends on · Industries

### Prerequisite of

- [Federal Deposit Insurance Certification](/Credentials/Federal_Deposit_Insurance_Certification) — prerequisite of · Credentials

### Has endorsement

- [Trust Powers Authorization](/Credentials/Trust_Powers_Authorization) — has endorsement · Credentials
- [Trust Powers](/Credentials/Trust_Powers) — has endorsement · Credentials

### Satisfies

- [Bank Holding Company Act](/Regulations/Bank_Holding_Company_Act) — satisfies · Regulations
- [Bank Secrecy Act](/Regulations/Bank_Secrecy_Act) — satisfies · Regulations
- [National Bank Act](/Regulations/National_Bank_Act) — satisfies · Regulations

### Qualifies for role

- [Chartered Bank Operator](/JobTypes/Chartered_Bank_Operator) — qualifies for role · JobTypes
- [Depository Institution Operator](/JobTypes/Depository_Institution_Operator) — qualifies for role · JobTypes
- [Chartered Bank](/JobTypes/Chartered_Bank) — qualifies for role · JobTypes

### Problems this exposes

- [minimum tier-1 leverage and risk-based capital ratios maintained against growth](/Problems/minimum_tier-1_leverage_and_risk-based_capital_ratios_maintained_against_growth) — exposes problem · Problems
- [ongoing CAMELS examination readiness and MRA remediation](/Problems/ongoing_CAMELS_examination_readiness_and_MRA_remediation) — exposes problem · Problems
- [BSA/AML program build-out scrutinized before regulators grant the charter](/Problems/BSA%2FAML_program_build-out_scrutinized_before_regulators_grant_the_charter) — exposes problem · Problems
- [CRA performance obligations and assessment-area definition from day one](/Problems/CRA_performance_obligations_and_assessment-area_definition_from_day_one) — exposes problem · Problems
- [Call Report (FFIEC 031/041) filing infrastructure stood up for quarterly submission](/Problems/Call_Report_(FFIEC_031%2F041)_filing_infrastructure_stood_up_for_quarterly_submission) — exposes problem · Problems
- [FDIC deposit-insurance application running in parallel with the OCC/state charter](/Problems/FDIC_deposit-insurance_application_running_in_parallel_with_the_OCC%2Fstate_charter) — exposes problem · Problems
- [de novo charter application requiring a 3-year business plan and capital adequacy projections](/Problems/de_novo_charter_application_requiring_a_3-year_business_plan_and_capital_adequacy_projections) — exposes problem · Problems
- [holding-company structure and Fed Reg Y approvals layered onto the bank charter](/Problems/holding-company_structure_and_Fed_Reg_Y_approvals_layered_onto_the_bank_charter) — exposes problem · Problems

### Recognized in

- [United States](/Jurisdictions/United_States) — recognized in · Jurisdictions

### Issued by

- [Office of the Comptroller of the Currency](/Regulators/Office_of_the_Comptroller_of_the_Currency) — issued by · Regulators

### Qualifies for

- [Financial Managers](/Occupations/Financial_Managers) — qualifies for · Occupations

### Attests skill

- [Management of Financial Resources](/Skills/Management_of_Financial_Resources) — attests skill · Skills
- [Systems Analysis](/Skills/Systems_Analysis) — attests skill · Skills
- [Judgment and Decision Making](/Skills/Judgment_and_Decision_Making) — attests skill · Skills

### Attests knowledge

- [Administration and Management](/Knowledge/Administration_and_Management) — attests knowledge · Knowledge
- [Law and Government](/Knowledge/Law_and_Government) — attests knowledge · Knowledge
- [Economics and Accounting](/Knowledge/Economics_and_Accounting) — attests knowledge · Knowledge