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 Commercial Underwriting Standards (Percent of Banks) Tightened Eased Covenants 63 45 Credit Line 4 39 Collateral 30 26 Guarantor 19 34 Pricing 11 78 Maturity 19 38 Amortization 11 30

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

Tightened Eased

Covenants
63

45

Credit Line
4

39

Collateral
30

26

Guarantor
19

34

Pricing
11

78

Maturity
19

38

Amortization
11

30