On September 20th, the OCC issued guidance to national banks on "self-deposits," funds for which a national bank is a fiduciary and placed on deposit in the bank or with a bank affiliate. Self-deposits include fiduciary funds held in interest-bearing accounts, such as Money Market Deposit Accounts or certificates of deposit; short-term investment pools consisting of own-bank deposits; and omnibus cash or other processing accounts. The guidance clarifies the agency's overall expectations for self-deposits and highlights the associated risks and the need for national banks and trust companies to ensure that bank self-deposit activities meet fiduciary standards. OCC Bulletin 2010-37.