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Survey of Credit Underwriting Practices

August 2010

**Figure 14: Retail Credit Risk Trends Current Credit Risk Change**
(Percent of Responses)
	2003		2004		2005		2006		2007		2008		2009		2010
	Decreased	Increased	Decreased	Increased	Decreased	Increased	Decreased	Increased	Decreased	Increased	Decreased	Increased	Decreased	Increased	Decreased	Increased
Affordable Housing	9	15	9	9	6	15	3	11	0	12	0	42	4	64	9	55
Credit Cards	22	30	11	29	15	19	0	44	11	26	0	65	0	89	6	94
Home Equity Conventional	7	23	7	15	7	15	0	31	0	38	0	71	0	90	5	83
Home Equity HLTV	11	39	18	21	4	24	0	37	6	56	0	100	0	100	13	88
Indirect Consumer	25	28	26	14	22	11	16	35	13	31	4	60	0	93	24	52
Other Direct Consumer	19	9	14	7	8	10	3	9	3	11	3	38	0	82	5	84
Residential RE	12	14	6	2	3	24	6	24	8	33	2	60	2	87	2	83

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