The title is, "Proportion of FDIC-Supervised Banks That Materially Changed Underwriting Practices since the previous Examination, by direction of change."

The bar chart displays the percent of FDIC-supervised banks that changed underwriting practices since the previous examination, by the direction of the change. Specifically, it charts the percentage of banks that either "tightened" or "loosened" underwriting practices for five six-month reporting periods, beginning with the six months ending September 30, 2000, through the six months ending September 30, 2002.