Office of Thrift Supervision

Closed for Comment

10/27/04 to 1/25/05

Internal Ratings-Based Systems for Retail Credit Risk for Regulatory Capital -- proposed supervisory guidance with request for comment (No. 2004-48)

Comments

February 7, 2005 - 10:04 AM
Comment Letter 13, IRB Systems for Retail Credit (2004-48), Clearing House (The)(Neubert), New York, NY

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January 28, 2005 - 9:11 AM
Comment Letter 1, IRB Systems for Retail Credit (2004-48), Bank of America (Walter)

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January 25, 2005 - 10:07 AM
Comment Letter 14, IRB Systems for Retail Credit (2004-48), FreddieMac (Golding), McLean, VA

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January 25, 2005 - 10:01 AM
Comment Letter 12, IRB Systems for Retail Credit (2004-48), Wachovia Corp. (Playford & Wilhite), Charlotte, NC

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January 25, 2005 - 9:58 AM
Comment Letter 11, IRB Systems for Retail Credit (2004-48), MBNA American Bank (Schindler), Wilmington, DE

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January 25, 2005 - 9:55 AM
Comment Letter 9, IRB Systems for Retail Credit (2004-48), Royal Bank of Scotland (Gossage), Edinburgh, Scotland

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January 25, 2005 - 9:47 AM
Comment Letter 6, IRB Systems for Retail Credit (2004-48), HSBC North America Holdings, Inc. (Gibbons), Prospect Heights, IL

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January 25, 2005 - 9:43 AM
Comment Letter 5, IRB Systems for Retail Credit (2004-48), CapitalOne (Curtis), McLean, VA

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January 25, 2005 - 9:40 AM
Comment Letter 4, IRB Systems for Retail Credit (2004-48), Mortgage Insurance Companies of America (Hutchinson), Washington, DC

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January 25, 2005 - 9:36 AM
Comment Letter 3, IRB Systems for Retail Credit (2004-48), JPMorgan Chase (Cavanagh), New York, NY

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January 25, 2005 - 9:33 AM
Comment Letter 2, IRB Systems for Retail Credit (2004-48), Washington Mutual (Robinson), Seattle, WA

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January 24, 2005 - 9:52 AM
Comment Letter 8, IRB Systems for Retail Credit (2004-48), America's Community Bankers (Bahin), Washington, DC

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January 19, 2005 - 9:50 AM
Comment Letter 7, IRB Systems for Retail Credit (2004-48), Fifth Third Bank (Griggs), Cincinnati, OH

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Comments to Proposed Thrift Financial Report Changes