{"data":{"id":"us/12-cfr-19.195","jurisdiction":"us","citation":"12 CFR 19.195","heading":"Incompetence.","body":"Incompetence in the representation of a client's rights and interests in a significant matter before the OCC is grounds for suspension or debarment. The term “incompetence” encompasses conduct that reflects a lack of the knowledge, judgment, and skill that a professional would ordinarily and reasonably be expected to exercise in adequately representing the rights and interests of a client. Such conduct includes, but is not limited to:\n(a) Handling a matter that the individual knows or should know that they are not competent to handle, without associating with a professional who is competent to handle such matter;\n(b) Handling a matter without adequate preparation under the circumstances; or\n(c) Neglect in a matter entrusted to him or her.","path":["Title 12—Banks and Banking","CHAPTER I—COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY","PART 19—RULES OF PRACTICE AND PROCEDURE","Subpart K—Parties and Representational Practice Before the OCC; Standards of Conduct"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-12.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:16Z","sha256":"03554a6bc882bb70b95ba90d30bc3eba7c9f3ac18092e99e625778bda05a6b1a","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-19.194","next":"us/12-cfr-19.196"},"notice":"GroundRules: Original legal text. Not legal advice."}