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 Commercial Underwriting Standards (Percent of Total Product Responses) Tightened Eased Pricing 56 36 Covenants 62 32 Collateral 46 41 Credit Line 24 41 Guarantor 37 18 Maturity 23 55 Amortization 19 55 Leverage 45 36

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

Tightened Eased

Pricing
56

36

Covenants
62

32

Collateral
46

41

Credit Line
24

41

Guarantor
37

18

Maturity
23

55

Amortization
19

55

Leverage
45

36