The Office of the Comptroller of the Currency (OCC) conducted its 18th annual "Survey of Credit Underwriting Practices" to identify trends in lending standards and credit risk for the most common types of commercial and retail credit offered by national banks and federal savings associations. Federal savings associations (FSA) are included for the first time in this year's survey. Results for national banks and FSAs were generally consistent; therefore, results are presented in aggregate across both institution types. The survey covers the 12-month period ending February 29, 2012.