public and industry comment on the guidelines before they were issued and became effective. ... More specifically with respect to residential mortgage, home equity, and commercial real estate loans, we started alerting bankers to our concerns as ... increased negative amortization, liberal credit line management, and 9 See: OCC Bulletin 2005-22, aCredit Risk Management for Home Equity Lending?
|Title||:||Exploring the Balance Between Increased Credit Availability and Prudent Lending Standards|
|Author||:||United States. Congress. House. Committee on Financial Services|