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: Reasons for Changing Retail Underwriting Standards (Percent of Banks) Tightened Eased Risk Appetite 43.33 39.02 Economic Outlook 43.33 7.32 Product Performance 30.00 9.76 Market Strategy 20.00 48.78 Competition 20.00 65.85 Regulators 33.33 9.76 Market Liquidity 3.33 0.00