OCC Announces Enforcement Actions for July 2025

WASHINGTON—The Office of the Comptroller of the Currency (OCC) today released enforcement actions taken against national banks and federal savings associations (banks), and individuals currently and formerly affiliated with banks the OCC supervises.

The OCC uses enforcement actions against banks to require the board of directors and management to take timely actions to correct the deficient practices or violations identified.

• The OCC does not have any enforcement actions against banks to release in July.

The OCC uses enforcement actions against an institution-affiliated party (IAP) to deter, encourage correction of, or prevent violations, unsafe or unsound practices, or breaches of fiduciary duty. Enforcement actions against IAPs reinforce the accountability of individuals for their conduct regarding the affairs of a bank. The term “institution-affiliated party,” or IAP, is defined in 12 USC 1813(u) and includes bank directors, officers, employees, and controlling shareholders. Orders of Prohibition prohibit an individual from any participation in the affairs of a bank or other institution as defined in 12 USC 1818(e)(7). The OCC has taken the following actions against IAPs:

• Order of Prohibition against Lacey Ann Henry, former Teller Manager at a Trooper, Pennsylvania, branch of T.D. Bank, N.A., Wilmington, Delaware, for making unauthorized cash withdrawals, totaling over $41,000, from customer checking accounts. (Docket No. AA-ENF-2025-27)
• Order of Prohibition against Alonso Missael Gonzalez Ibarra, former Teller and Lead Associate Operations at a Portland, Oregon, branch of JPMorgan Chase Bank, N.A., Columbus, Ohio, for stealing approximately $36,000 from ATMs and altering totals in the ATM records to make the ATMs appear to be in balance. (Docket No. AA-ENF-2025-24)
• Order of Prohibition against Cricel Santamaria, former Client Service Representative at Webster Bank, N.A., Stamford, Connecticut, for obtaining images of checks from the bank’s internal systems, making the images available for sale, and causing over $100,000 in loss to the bank. (Docket No. AA-ENF-2025-23)

The OCC issues prohibition/suspension orders against individuals in response to certain criminal conduct. Pursuant to 12 USC 1818(g), in the case of a conviction against an IAP related to certain criminal violations, the OCC will issue an order prohibiting the IAP from any participation in the affairs of a bank or other institution as defined in 12 USC 1818(e)(7). The OCC has taken the following actions against IAPs:

• Order of Prohibition against James P. Blose, former General Counsel at Webster Bank, N.A., Stamford, Connecticut, based on his conviction for bank fraud and engaging in illegal monetary transactions in violation of law. (Docket No. AA-ENF-2025-37)

The OCC terminates enforcement actions when a bank has demonstrated compliance with all articles of an enforcement action; or when the OCC determines that articles deemed “not in compliance” have become outdated or irrelevant to the bank’s current circumstances; or when the OCC incorporates the articles deemed “not in compliance” into a new action. Termination actions include:

• Order terminating the Cease and Desist Order against GN Bank, Chicago, Illinois, dated September 18, 2020 (Docket No. AA-EC-2020-50). The order addressed unsafe or unsound practices related to strategic and capital planning, credit risk management, and governance. (Docket No. AA-ENF-2025-39)

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All OCC public enforcement actions taken since August 1989 are available for download by viewing the searchable enforcement actions database at https://apps.occ.gov/EASearch.

Related Link

• Enforcement Action Types