Traditionally, in building energy modeling (BEM) programs, occupant behavior (OB) inputs are deterministic and less indicative of real world scenarios, contributing to discrepancies between simulated and actual energy use in buildings. This paper presents a new OB modeling tool, with an occupant behavior functional mock-up unit (obFMU) that enables co-simulation with BEM programs implementing functional mock-up interface (FMI). The components detailed in the development of the obFMU include an overview of the DNAS (drivers-needs-actions-systems) ontology and the occupant behavior eXtensible Markup Language (obXML) schema, in addition to details on the creation of the obFMU that contains the co-simulation interface, the data model and solvers. To demonstrate functionality of the tool, three examples of occupant behaviors were simulated, including: (1) turning on and off lights, (2) opening and closing windows, and (3) turning on and off the air conditioners. The obFMU can be used via co-simulation with all building simulation programs that implement the FMI, thus users are not limited to a particular tool. Another advantage is the use of obXML schema to represent occupant behavior, standardize the description of occupant behavior enabling information exchange.