Methods Used to Change Commercial Underwriting Standards
(Percent of Banks)
Tightened
Eased
Covenants
38
32
Credit Line
38
34
Collateral
33
25
Guarantor
25
20
Pricing
23
45
Maturity
15
36
Amortization
10
25
The Office of the Comptroller of the Currency was created by Congress to
charter national banks, to oversee a nationwide system of banking institutions,
and to assure that national banks are safe and sound, competitive and
profitable, and capable of serving in the best possible manner the banking
needs of their customers.
