... banks, Board of Governors of the Federal Reserve System (2005) , The Profitability of Credit Card Operations of Depository Institutions, annual report to the Congress (Washington: Board of Governors, ... Administration, the Office of the Comptroller of the Currency (OCC), and the Office of Thrift Supervision (OTS); it may also be subject to oversight by state banking regulators. Federal and state regulators ... section 1229 of the act.2Scope of the Report This report focuses on credit card debt, in keeping with statements made on the floor of the Senate in 1999 by the principal sponsor of the amendment...