“The January 2009 Senior Loan Officer Opinion Survey on Bank Lending Practices addressed changes in the supply of, and demand for, loans to businesses and households over the past three months. The survey also included three sets of special questions: The first set asked banks about changes in lending policies on commercial real estate loans over the past year and new extensions of such loans over the second half of 2008; the second set queried banks about changes in the size of existing credit lines for businesses and households; and the third set asked banks about the use of interest rate floors in floating-rate loan agreements with both businesses and households. This article is based on responses from 53 domestic banks and 23 U.S. branches and agencies of foreign banks.”