On November 13, 2025, the OCC issued version 1.1 of the “Servicemembers Civil Relief Act” booklet of the Comptroller’s Handbook. The booklet provides information and procedures for examiners in connection with the consumer protections that servicemembers are eligible for under the Servicemembers Civil Relief Act (SCRA).
The updated SCRA booklet:
Applies the OCC’s risk-based supervision approach to assessing compliance with the SCRA;
Eliminates the prior OCC policy requirement to conduct an SCRA examination that included transaction testing at least once every three supervisory cycles;
Clarifies language on servicemember verification and distribution of excess payments; and
Removes references to reputation risk.
The OCC’s bulletin can be found here.
The SCRA Booklet can be found here.