Freedom of Information Office

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

• Fifth Third Bank, Malcolm Griggs (114 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)
• 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)
• The Clearing House Association, Jeffrey P. Neubert (79 KB PDF)
• Wells Fargo, Howard Atkins (182 KB PDF)
• Citigroup, Sallie Krawcheck (164 KB PDF)