Retail Credit Underwriting Trends (Percent of Banks)
Eased
No Change
Tightened
1999
10
60
30
2000
12
62
26
2001
12
53
35
2002
3
56
41
2003
8
59
33
2004
13
75
13
2005
28
62
10
2006
28
65
7
2007
20
67
13
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.
