Methods Used to Tighten
Retail Underwriting Standards
(Percent of Tightened Banks)
2003
Score Card
50
Collateral
41
Pricing
32
Debt Service
21
Amortization
13
Credit Line
8
Maturity
6
The Office of the Comptroller of the Currency was created by Congress to
charter national banks, to oversee a nationwide system of banking institutions,
and to assure that national banks are safe and sound, competitive and
profitable, and capable of serving in the best possible manner the banking
needs of their customers.
