On August 20, the OCC issued bulletin OCC 2013-19, which attaches the Commercial Real Estate Lending booklet of the Comptroller’s Handbook to replace the OCC’s Commercial Real Estate and Construction Lending booklet. The new booklet reflects guidance issued since the prior booklet was released in 1995. That updated guidance relates to prudent loan workouts, management of concentrations, stress testing, updated interagency appraisal guidelines, and statutory and regulatory developments in environmental risk management. The booklet also incorporates discussions of statutes and regulations governing federal savings associations.