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.

Publications: Methods Used to Change Retail Underwriting Standards (Percent of Total Product Responses) Tightened Eased Score Card 63 38 Collateral 73 15 Debt Service 43 23 Pricing 41 23 Credit Line 27 15 Maturity 3 23 Amortization 20 8 Documentation 54 15

Publications:
Methods Used to Change Retail Underwriting Standards
(Percent of Total Product Responses)

Tightened Eased

Score Card
63

38

Collateral
73

15

Debt Service
43

23

Pricing
41

23

Credit Line
27

15

Maturity
3

23

Amortization
20

8

Documentation
54

15