Retail Credit
Retail credit encompasses a wide range of consumer credit products and services offered by national banks including mortgage banking, residential lending, credit card products, processing credit and debit card transactions and loans.
Mortgage Banking / Residential Lending
Loan originations, processing, underwriting, servicing, and sales
Credit card products
Secured or unsecured small loans repaid in equal installments
Deposit-related credit products and services
Related News and Issuances
| Date | ID | Title |
|---|---|---|
| 01/12/2026 | NR 2026-2 | Agencies Issue 2025 Shared National Credit Program Report |
| 12/15/2025 | NR 2025-127 | OCC Reports Mortgage Performance for Third Quarter of 2025 |
| 12/15/2025 | NR 2025-126 | Agencies Announce Dollar Thresholds for Smaller Loan Exemption from Appraisal Requirements for Higher-priced Mortgage Loans |