On March 19, 2015, the Comptroller of the Currency discussed the Office of the Comptroller of the Currency’s approach to adapting regulatory and supervisory expectations to the size and complexity of supervised institutions. His remarks were part of testimony before the US Senate Committee on Banking, Housing and Urban Affairs. His testimony provides a brief overview of the key provisions of Section 165 of Dodd-Frank Act as they apply to bank holding companies and how the OCC’s supervisory and regulatory tools complement and support the objectives of these provisions. He also describes that the OCC has tailored its supervisory programs into three distinct portfolios—community banks, midsize banks, and large banks.The oral statement and written testimony are available at: http://www.occ.gov/news-issuances/congressionaltestimony/2015/pub-test-2015-39-oral.pdf; and http://www.occ.gov/news-issuances/congressional-testimony/2015/pub-test-2015- 39-written.pdf.