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Community Developments Insights: Commercial Lending in Indian Country

Posted on 3/9/2016

The Office of the Comptroller of the Currency (OCC) has just released an updated edition of its 2006 Community Developments Insights report titled Commercial Lending in Indian Country: Potential Opportunities in a Growing Market. This report explores the commercial lending environment in Indian Country, including the relationship between the commercial lending business and Native American governmental, legal, and institutional structures.

The report shows that despite improvements in the economic and business climate in Indian Country in the past three decades, significant gaps remain in all facets of the economy of Indian Country, including commercial lending, which represents an opportunity for banks interested in expanding their lending portfolios.

This updated Insights report:

reviews the factors that make lending in Indian Country attractive for banks, including regulatory considerations such as those related to community reinvestment,
examines the unique challenges for banks interested in commercial lending on Indian reservations, and
discusses successful marketing and risk mitigation strategies that banks can adopt. These strategies include several federal programs that help lenders manage risks associated with financing business developments on Indian reservations.

The OCC Community Affairs Native American Banking provides additional information on other resources related to economic development in Indian Country.

To read more visit:

To view the Native American Banking resources visit:

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