Browsing: Credit risk

Commercial Lending

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.

Commercial Lending

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.


In a comment letter today to the Basel Committee on Banking Supervision, ABA expressed concerns about the committee’s proposals to revise its methodology for the standardized approach to credit risk and to impose constraints on risk-weighted asset calculations in the internal ratings-based approaches to credit risk based on the risk weights of the standardized approach.

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