Reasons for Changing Retail Underwriting Standards
(Percent of Total Product Responses)
Tightened
Eased
Risk Appetite
60
46
Economic Outlook
82
8
Product Performance
60
8
Market Strategy
26
69
Competition
21
46
Regulators
25
0
Market Liquidity
28
0
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.
