Methods Used to Change Retail Underwriting Standards
(Percent of Banks)
Tightened
Eased
Score Card
55
13
Collateral
48
20
Debt Service
38
27
Pricing
30
17
Credit Line
15
13
Maturity
10
13
Amortization
8
20
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.
