12 CFR 24.4
§ 24.4 Investment limits.
United States · 12 CFR — Banks and Banking · Status: effective
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- Citation
- 12 CFR 24.4, § 24.4 Investment limits, United States, version 1 as recorded 2026-07-09, yourstate.us, https://yourstate.us/provision/43272
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Full text
(a) Limits on aggregate outstanding investments. A national bank's aggregate outstanding investments under this part may not exceed 5 percent of its capital and surplus, unless the bank is at least adequately capitalized and the OCC determines, by written approval of a written request by the bank to exceed the 5 percent limit, that a higher amount of investments will not pose a significant risk to the deposit insurance fund. In no case may a bank's aggregate outstanding investments under this part exceed 15 percent of its capital and surplus. When calculating the aggregate amount of its aggregate outstanding investments under this part, a national bank should follow generally accepted accounting principles, unless otherwise directed or permitted in writing by the OCC for prudential or safety and soundness reasons.
(b) Limited liability. A national bank may not make an investment under this part that would expose the bank to unlimited liability.
Legislative history
This is a federal regulation, adopted through agency rulemaking under the Administrative Procedure Act — not enacted by a recorded vote of Congress.