The Office of the Comptroller of the Currency's (OCC) Comptroller's Handbook booklet, "Deposit-Related Credit," is prepared for use by OCC examiners in connection with their examination and supervision of national banks and federal savings associations (collectively, banks). Each bank is different and may present specific issues. Accordingly, examiners should apply the information in this booklet consistent with each bank's individual When it is necessary to distinguish between them, national banks and federal savings associations are referred to separately. Banks may offer customers a variety of small-dollar, unsecured credit products and services that are related to their deposit accounts. These deposit-related credit (DRC) products and services generally take one of three forms: check credit (CC), overdraft protection (ODP), and deposit advance products (DAP). Examiners should be aware that laws, regulations, and supervisory guidance referenced in this booklet may not apply to all DRC products and services.