When it comes to upgrades, OCC has been on the march. In OCC Bulletin 2004-21, the agency announced updates to two important compliance software programs, APRWIN and APY software. These tools are used by OCC examiners and many others. When you use an APR or APY calculation tool, you are protected from errors in the program if the tool you use was tested and the error was made in good faith. The best tools for testing are these two from the OCC. And the best news is that they are free. All you have to do is go to the OCC's website and download them.
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