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Survey of Credit Underwriting Practices

August 2010

**Figure 11: Reasons for Changing Retail Underwriting Standards**
(Percent of Responses)
	Tightened	Eased
Risk Appetite	61	60
Economic Outlook	87	80
Product Performance	63	40
Market Strategy	30	40
Competition	28	20
Regulatory Policies	22	40
Market Liquidity	18	20
Bank's Financial Condition	25	0

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