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Survey of Credit Underwriting Practices

June 2011

**Figure 7: Overall Credit Underwriting Trends—Retail (Percentage of Responses)**
	Eased	Unchanged	Tightened
1999	10	60	30
2000	12	62	26
2001	12	53	35
2002	3	56	41
2003	8	59	33
2004	13	75	13
2005	28	62	10
2006	28	65	7
2007	20	67	13
2008	0	32	68
2009	0	17	83
2010	0	26	74
2011	7	63	30

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