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Survey of Credit Underwriting Practices

August 2010

**Figure 4: Reasons for Changing Commercial Underwriting Standards**
(Percent of Responses)
	Tightened	Eased
Competition	35	100
Economic Outlook	86	56
Market Liquidity	34	67
Market Strategy	29	22
Risk Appetite	78	22
Product Performance	71	22
Regulatory Policies	11	0
Bank's Financial Condition	47	11

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