As part of CAMELS-based supervision, OCC examiners are tasked with identifying weaknesses in loan portfolios—particularly collateral dependencies that may compromise asset quality or indicate deficiencies in risk management.

When patents are pledged as collateral, their value hinges on enforceability, ownership, and legal standing—factors that are often assumed but rarely verified beyond loan origination. If these conditions degrade over time, so does the integrity of the loan itself.

PatenTrack gives OCC examiners insight into these risks by helping identify whether patent collateral still exists, is still owned by the borrower, remains unexpired, and continues to secure the loan as reported—before the asset becomes criticized or subject to supervisory action.