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 64 25 Collateral 29 32 Debt Service 43 33 Pricing 36 23 Credit Line 7 23 Maturity 7 23 Amortization 50 35

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

Tightened Eased

Score Card
64

25

Collateral
29

32

Debt Service
43

33

Pricing
36

23

Credit Line
7

23

Maturity
7

23

Amortization
50

35