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
09/18/2024	NR 2024-103	OCC Reports Mortgage Performance for Second Quarter of 2024
07/18/2024	OCC 2024-18	Real Estate Appraisals: Final Interagency Guidance on Reconsiderations of Value of Residential Real Estate
07/17/2024	NR 2024-78	Agencies Issue Final Rule to Help Ensure Credibility and Integrity of Automated Valuation Models