Reasons for Changing
Retail Underwriting Standards
(Percent of Banks)
Tightened
Eased
Risk Appetite
55
32
Economic Outlook
26
11
Product Performance
38
18
Market Strategy
21
38
Competition
18
66
Regulators
21
0
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.
