On February 24th, the OCC published a revised electronic version of the "Home Mortgage Disclosure" booklet. The Federal Reserve Board amended Regulation C (12 CFR 203) by revising the definition of a rate-spread loan. The OCC is changing its examination procedures to include the new definition. Institutions must now report the rate spread between the annual percentage rate and the average prime offer rate for a comparable transaction as of the date that the interest rate is set, if the spread is equal to or greater than 1.5 percentage points for first-lien loans, or equal to or greater than 3.5 percentage points for subordinate-lien loans. Another change involves Home Mortgage Disclosure Act disclosure statements. OCC Bulletin 2010-8.