Retail Credit

Retail credit encompasses a wide range of consumer credit products and services offered by national banks including mortgage banking, residential lending, credit card products, processing credit and debit card transactions and loans.

Mortgage Banking / Residential Lending

Loan originations, processing, underwriting, servicing, and sales

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Credit Card Lending

Credit card products

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Installment Lending

Secured or unsecured small loans repaid in equal installments

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Unsecured Lending

Deposit-related credit products and services

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Related News and Issuances

Date	ID	Title
07/13/2026	NR 2026-57	Agencies Issue Guidance on Lending to Individuals Not Legally Authorized to Work in the United States
06/30/2026	NR 2026-52	OCC Reports Mortgage Performance for First Quarter of 2026
06/25/2026	OCC 2026-29	Credit Risk: “Lending and Loan Portfolio Risk Management” Booklet of the Comptroller’s Handbook and Rescissions