Publications:

Reasons for Changing Commercial Underwriting Standards
(Percent of Banks)

	Tightened	Eased
Competition	20	77
Economic Outlook	28	33
Risk Appetite	60	50
Market Strategy	16	46
Product Performance	40	14
Bank's Financial Condition	16	11

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.