to use to assess the impact of various stress scenarios on concentrations within their loan portfolios.7 IV. Conclusion The OCC is committed to a supervisory approach that appropriately tailors supervisory expectations and requirements to the scale, complexity, and risks of individual and groups of banks. We have structured our supervisory programs in a manner that allows us to adjust effectively and efficiently the intensity of our supervisory oversight as a bank’s risk profile changes. We have used our regulatory tools and authorities to enhance and apply more rigorous capital, liquidity, and risk management requirements to large banks whose size, scope of operations, complexity, and interconnections with other financial institutions pose more risk to financial stability.

While the OCC has taken most of these actions outside of Dodd-Frank section 165 authorities, we believe our actions and supervisory approach are consistent with and complement the objectives of section 165. As the primary supervisor of the nation’s largest banks, the OCC has a vital interest in ensuring a robust regime of prudential standards for these institutions and retaining the tools we have to effect such a regime. 7                                                               See OCC Bulletin 2012-33, available at: http://www.occ.gov/news-issuances/bulletins/2012/bulletin-2012-33.html. 11   .