Office of the Comptroller of the Currency Community bank lending limits. The OCC is extending a three-year old pilot program that allows federally chartered community banks to have lending limits higher than those available for other federal lenders. Under current OCC rules, a national bank’s unsecured lending to a single borrower is limited to 15 percent of its capital, plus an additional 10 percent for loans secured by readily marketable collateral. Many states have set higher