retail borrowers / bank regulators / retail categories / non-traditional mortgage products / even traditional mortgage products / conventional mortgage product / sound and responsible banking practices / bank looking / bank look / bank use / real estate markets / bank / bank assets / retail credit standards / real estate speculation / compliance risk management / bank underwriting loans / retail standards / strongest real estate markets / mortgage products / banking / bank regulatory community / retail banking market / bank retail credit products / retail underwriting standards / bank loans / bank take account / adjustablerate products / retail lending / /
Organization
Comptroller of the Currency / L. Williams Chief Counsel and First Senior Deputy Comptroller Office / First Senior Deputy Comptroller Office / House of Representatives / US Federal Reserve / Canisius College School of Business Buffalo / /
Remarks by Julie L. Williams Chief Counsel and First Senior Deputy Comptroller Office of the Comptroller of the Currency Before the Canisius College School of Business