Reasons for Changing
Retail Underwriting Standards
(Percent of Banks)
Tightened
Eased
Risk Appetite
64
32
Economic Outlook
0
8
Product Performance
43
10
Market Strategy
36
37
Competition
14
73
Regulators
43
8
Financial Condition
14
2
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.
