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.

Publications: Methods Used to Change Retail Underwriting Standards (Percent of Banks) Tightened Eased Score Card 50 29 Collateral 32 46 Debt Service 18 34 Pricing 50 32 Credit Line 12 25 Maturity 6 14 Amortization 12 30

Publications:
Methods Used to Change Retail Underwriting Standards
(Percent of Banks)

Tightened Eased

Score Card
50

29

Collateral
32

46

Debt Service
18

34

Pricing
50

32

Credit Line
12

25

Maturity
6

14

Amortization
12

30