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 50.00 29.27 Collateral 50.00 43.90 Debt Service 43.33 36.59 Pricing 33.33 24.39 Credit Line 3.33 41.46 Maturity 6.67 34.15 Amortization 16.67 21.95

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

Tightened Eased

Score Card
50.00

29.27

Collateral
50.00

43.90

Debt Service
43.33

36.59

Pricing
33.33

24.39

Credit Line
3.33

41.46

Maturity
6.67

34.15

Amortization
16.67

21.95