# OCC Prohibition action 2022-032
> **The First National Bank and Trust Company of Vinita** · Individual · 2022-08-18
## Action
- **Document number:** 2022-032
- **Docket number:** AA-ENF-2022-32
- **Type:** Prohibition — Prohibition/Removal Orders
- **Respondent type:** Individual
- **Action date:** 2022-08-18
## Respondent
- **Bank:** The First National Bank and Trust Company of Vinita
- **Individual:** James Ratcliff
- **Charter number:** 4704
- **Location:** Vinita, OKLAHOMA
## Subjects

Breach of Fiduciary Duty|Compensation|Insider Issues|Lending Issues|Loans to Insiders (incl. Reg O)|Other Lending Deficiencies|Third Party Risk Management

## Source
- [OCC enforcement order PDF](https://apps.occ.gov/EASearch/Document/Download?id=2022-032)
- [OCC EASearch portal](https://apps.occ.gov/EASearch/)
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