Commercial Lending

OCC Focusing on Sales Oversight at Large Banks

In the wake of the scandal over fake accounts created at Wells Fargo, the OCC has added a strong emphasis on governance of sales practices to its risk supervision for large banks, according to the agency’s Semiannual Risk Perspective released today.

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OCC: Underwriting Standards Relax as Credit Risk Increases

Underwriting standards for both retail and commercial loan products have eased for the fourth consecutive year as banks continue to respond to competitive pressure, grow their portfolios and increase their appetite for risk, the OCC said in its 22nd annual Survey of Credit Underwriting Practices.

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Fed Survey: CRE Loan Standards Tighten; C&I Holds Steady

Bankers continued tightening credit for commercial real estate loans in the last three months while holding steady on other business loans and consumer loans and easing credit standards slightly in their home mortgage portfolios, according to the Federal Reserve’s latest senior loan officer survey released today.

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