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Description of Publications

Comptroller's Handbook

- Safety & Soundness

- Consumer Compliance

- Asset Management

Comptroller's Licensing Manual

Director's Toolkit

Economics Working Papers

Low-Income Survey

Problem Bank Guide (PDF)

Qrtrly. Derivative Fact Sheet

Public Information

Publications:
Retail Credit Risk Trends by Product Type
(Percent of Banks)

2004 2005

Decreased Risk

Increased Risk

Decreased Risk

Increased Risk

Affordable Housing
9

9

6

15

Consumer Leasing
64

0

40

0

Credit Cards
11

28

15

19

Home Equity Conventional
6

15

7

15

Home Equity HLTV
18

21

4

24

Indirect Consumer
26

14

22

11

Other Direct Consumer
15

7

8

10

Residential Real Estate
6

2

24

3

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.

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