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

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Credit Card Lending

Credit card products

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Installment Lending

Secured or unsecured small loans repaid in equal installments

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Merchant Processing

Processing of credit and debit card payment transactions

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Unsecured Lending

Deposit-related credit products and services

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Related News and Issuances

Date	ID	Title
11/13/2023	NR 2023-122	Agencies Announce Dollar Thresholds for Smaller Loan Exemption from Appraisal Requirements for Higher-priced Mortgage Loans
09/27/2023	NR 2023-108	OCC Reports Mortgage Performance for Second Quarter of 2023
06/27/2023	NR 2023-68	OCC Reports Improvement in Mortgage Performance for First Quarter of 2023