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Interagency Guidance on Internal Ratings-Based Systems for Retail Credit Risk for Regulatory Capital [OP-1215 ]

Proposed supervisory guidance on the internal-ratings-based (IRB) approach to determine regulatory capital requirements for retail credit exposures

Comments

Fifth Third Bank, Malcolm Griggs (114 KB PDF)

America's Community Bankers, Charlotte M. Bakin (49 KB PDF)

World Savings, Herbert M. Sandler (357 KB PDF)

Royal Bank of Scotland, Richard Gossage (351 KB PDF)

MBNA America Bank, N.A., Kevin C. Schindler (989 KB PDF)

Mortgage Insurance Companys of America, Suzanne C. Hutchinson (80 KB PDF)

The Risk Management Association (RMA) Capital Working Group, Pamela Martin (424 KB PDF)

Wachovia Corp., Russell Playford (75 KB PDF)

Capital One Financial Corporation, Christopher T. Curtis (24 KB PDF)

Freddie Mac, Edward L. Golding (229 KB PDF)

Conference of State Bank Supervisors, Neil Milner (36 KB PDF)

Washington Mutual, John F. Robinson (1167 KB PDF)

HSBC North America Holdings, Inc., David D. Gibbons (2729 KB PDF)

JP Morgan Chase and Co., Michael J. Cavanagh (664 KB PDF)

Bank of America Corporation, John S. Walter (259 KB PDF)

The Clearing House Association, Jeffrey P. Neubert (79 KB PDF)

Wells Fargo, Howard Atkins (182 KB PDF)

Citigroup, Sallie Krawcheck (164 KB PDF)

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Last update: November 12, 2003