12 CFR 19.195
§ 19.195 Incompetence.
United States · 12 CFR — Banks and Banking · Status: effective
Cite this
- Citation
- 12 CFR 19.195, § 19.195 Incompetence, United States, version 1 as recorded 2026-07-09, yourstate.us, https://yourstate.us/provision/43183
- Permanent ID
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Full text
Incompetence in the representation of a client's rights and interests in a significant matter before the OCC is grounds for suspension or debarment. The term “incompetence” encompasses conduct that reflects a lack of the knowledge, judgment, and skill that a professional would ordinarily and reasonably be expected to exercise in adequately representing the rights and interests of a client. Such conduct includes, but is not limited to:
(a) Handling a matter that the individual knows or should know that they are not competent to handle, without associating with a professional who is competent to handle such matter;
(b) Handling a matter without adequate preparation under the circumstances; or
(c) Neglect in a matter entrusted to him or her.
Legislative history
This is a federal regulation, adopted through agency rulemaking under the Administrative Procedure Act — not enacted by a recorded vote of Congress.