The FDIC Report on Underwriting Practices summarizes results of the Examination Supplement on Current Underwriting Standards, which FDIC bank examiners complete at the conclusion of each bank examination they conduct. The supplement asks examiners to evaluate underwriting practices and to track changes in underwriting standards since the bank's previous examination. The report provides an early warning mechanism for identifying potential problems in underwriting practices and is also a benchmark against which to compare future changes in underwriting practices.

The Report on Underwriting Practices is published semiannually in early November and early May, and covers the Examination Supplements received during the six-month periods April 1 through September 30 and October 1 through March 31.

Objectives

Contact Information

Available Issues:

Objectives

• To identify:
  

  • material changes in underwriting standards;
    
  • overall riskiness of new lending practices; and
    
  • specific underwriting practices for major loan categories.
    

• To track emerging issues in the underwriting of new loans.
  

• To provide an "early warning" mechanism for identifying potential problems.
  

• To establish a benchmark against which to compare future readings of underwriting trends.