In 2010, the Dodd-Frank Wall Street Reform and Consumer Protection Act transferred to the Office of the Comptroller of the Currency (OCC) all functions of the former Office of Thrift Supervision (OTS) relating to Federal savings associations. As a result, the OCC is now responsible for the ongoing examination, supervision, and regulation of Federal savings associations, in addition to national banks and Federal branches and agencies. Generally speaking, the OCC has completely separate sets of rules governing Federal savings associations and national banks. However, the OCC recently released a Final Rule integrating policies and procedures for corporate activities and transactions of national banks and Federal savings associations. This effort is designed to reduce regulatory duplication, promote fairness in supervision, eliminate unnecessary burden consistent with safety and soundness, and increase efficiency for both the supervised institutions and the OCC.