name: OCC API FinOps
description: Financial operations guidance for teams using OCC data tools and APIs.
  All OCC data services are provided free of charge as a public service of the federal
  government. There are no direct API costs to budget for. FinOps considerations
  center on the engineering and operational costs of consuming and processing OCC
  data within your own infrastructure.
directCosts:
  apiSubscription: 0
  currency: USD
  description: OCC data tools and APIs are free. No API keys, subscriptions, or
    usage fees apply.
  authentication: None required
indirectCosts:
  - category: Engineering Integration
    description: Development effort to integrate OCC search tools into downstream
      systems or pipelines. The OCC does not provide formal REST API endpoints with
      OpenAPI specifications; integrations may require web scraping or use of downloadable
      Excel/XML files.
    estimatedHours: Variable
    notes: Budget for additional effort if building automated data pipelines; bulk
      downloads (Excel/XML) are simpler to consume than scraping web search interfaces.
  - category: Data Storage and Processing
    description: Costs associated with storing and processing OCC financial institution
      lists, CRA evaluations, and enforcement action records in internal systems.
    services:
      - Cloud object storage for downloaded Excel and XML files
      - Database ingestion pipelines for institution and CRA data
      - ETL tooling for transforming OCC data formats
  - category: Monitoring and Maintenance
    description: Ongoing costs to monitor OCC data for updates. OCC releases updated
      financial institution lists monthly and CRA evaluations periodically throughout
      the year.
    cadence:
      financialInstitutionLists: Monthly
      craEvaluations: Periodic (multiple releases per year)
      enforcementActions: As issued
budgetRecommendations:
  - For most use cases, budget $0 for direct API access costs.
  - Allocate engineering time for initial integration with OCC bulk data downloads
    (Excel/XML).
  - Subscribe to OCC News email alerts to stay current on new CRA evaluation releases
    and enforcement actions.
  - Monitor data.gov (catalog.data.gov) for any new machine-readable datasets published
    by OCC.
  - Consider the OCC's planned API development (Enforcement Actions and CRA databases
    identified as priority API candidates) for potential future REST API adoption.
dataGov:
  catalogUrl: https://catalog.data.gov/dataset?organization=occ-treas-gov
  description: OCC datasets published on data.gov using the common core metadata
    schema for federal agency open data listings.
created: '2026-06-13'
modified: '2026-06-13'