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The Motley Fool March 6, 2008 Timothy M. Otte	Bernanke Has a Point. Maybe. Is his idea about reducing mortgage principals a reasonable one?
The Motley Fool July 13, 2007 Dan Caplinger	A Tale of Two Borrowers Unfortunately, many homeowners never consider that they may not really be able to afford the home they own. As painful as it is to give up your home, it's not worth risking financial ruin to stay in a home you can't pay for.
BusinessWeek April 24, 2006 Mara Der Hovanesian	Mortgage Lenders: Who's Most At Risk As delinquency rates rise, red flags are flying over some aggressive finance outfits.
Reason March 2009 Veronique de Rugy	Dissatisfaction Guaranteed The government has decided to encourage more lenders to take more chances by guaranteeing yet more loans to high-risk borrowers. The only guarantee for these loans is that our children will be paying billions to cover the losses.
BusinessWeek March 19, 2007 Peter Coy	Under The Fed's Hammer How Fed rate hikes have turned into a regressive tax on weak borrowers.
U.S. Banker May 2007 Lee Conrad	Subprime Mortgages: As the Knot Unravels, A Question Lingers: Why? Consumers and companies following their self-interest are supposed to be guiding forces that drive a capitalist economy. The recent meltdown of the subprime-mortgage market, however, raises the question of whether all participants were headed in that direction.
BusinessWeek September 3, 2007 Peter Coy	It's Out Of Bernanke's Reach There's little the Fed can do about the information gap behind investors' panic.
BusinessWeek May 27, 2010 Menon & Crowley	Subprime Lending Returns to the U.K. Three years after defaults on U.S. subprime mortgages sparked a devastating financial crisis, lending to borrowers with less-than-perfect credit histories is making a comeback in Britain.
The Motley Fool March 14, 2007 Nathan Parmelee	Quick Take: No Bailouts for Anyone Some borrowers are going to suffer. That's the way the system works. Some lenders are going to suffer, too, and deservedly so. Write bad loans and you don't get your money back. The only people that deserve help are victims of outright fraud.
The Motley Fool March 26, 2007 David Lee Smith	Here Come the Mortgage Regulators With subprime lending continuing to plummet, House and Senate hearings run the risk of further retarding a recovery in housing.
The Motley Fool March 17, 2008 Dan Caplinger	Why Bernanke Is Ignoring You Rate cuts aren't finding their way to cash-strapped consumers.
BusinessWeek April 12, 2004 Christopher Palmeri	Home Buyers: ARMed And Dangerous? Adjustable-rate mortgages are pulling in new buyers -- but the risks are high
The Motley Fool December 30, 2009 Chuck Saletta	The Real Reason Banks Aren't Lending The Federal Reserve set the Federal Funds Rate at around 0%, giving banks an opportunity to borrow at essentially no cost. Only the most financially healthy companies can easily get loans.
The Motley Fool March 5, 2007 Dan Caplinger	Falling Into the Subprime Trap If any good comes from the bursting of the housing bubble, it will be that homeowners and borrowers may act more responsibly about buying property and taking on mortgage debt.
FDIC FYI February 7, 2002	Subprime Mortgage Lending Faces the Test of a Slowing Economy Entry by FDIC-insured institutions into subprime lending as a targeted line of business was largely a phenomenon of the 1990s. These lending programs are now being tested by recession, in most cases for the first time...
BusinessWeek September 17, 2007 James C. Cooper	Bernanke May Need To Dig Deeper Into His Toolbox It could take a broad rate cut to stabilize the markets and the economy.
The Motley Fool October 12, 2007 Dan Caplinger	Where's the Consumer Credit Crunch? Housing may be slowing, but borrowing is moving full speed ahead. Last month, figures for both revolving credit, such as credit card debt, and non-revolving debt, like car and student loans, rose.
The Motley Fool January 28, 2011 Morgan Housel	Financial Crisis: The Greatest Hits The Financial Crisis Inquiry Commission's report, two years in the making, is a 623-page tome of everything you could ever want to know about the financial crisis.
U.S. Banker May 2008 Joseph Rosta	Moral Hazard? A Greater Hazard Lurks. Not getting regulations correct after today's crisis would be the true moral hazard.
U.S. Banker December 2001 Robert A. Bennett	Gramlich's Words of Warning His suggested caution on subprime mortgage lending should be taken seriously...
BusinessWeek August 20, 2007 Jack Ewing	European Banks' Last Laugh (Extended) European lenders tend to keep the risk in-house, so they're more careful about who borrows. Home buyers take on a lot less debt.
The Motley Fool April 18, 2007 S.J. Caplan	A Subprime Fix From Fannie and Freddie While internal housekeeping issues at Fannie and Freddie remain, one hopes that regulatory measures will not be imposed which will hamper their ability to responsibly and flexibly meet the needs of the market.
The Motley Fool August 25, 2008 Morgan Housel	Bernanke Will Take Your Shares to Zero Ben Bernanke speaks out about the "moral hazard" dilemma of giving firms the perception of being "too big to fail."
HBS Working Knowledge September 12, 2007 Nicolas P. Retsinas	Building Sandcastles: The Subprime Adventure A look at what went wrong in the subprime industry and why.
HBS Working Knowledge September 29, 2008 Martha Lagace	Financial Crisis Caution Urged by Faculty Panel Dean Jay O. Light and a group of Harvard Business School faculty explored the origins and possible outcomes of the U.S. financial crisis at a recent "Turmoil on the Street" panel.
The Motley Fool March 6, 2007 Emil Lee	Cleaning Up in Subprime Loan World? This sector will turn volatile, so be careful when seeing if there's any value left.
The Motley Fool April 27, 2007 Selena Maranjian	Don't Condemn Subprime Lending ... Completely How can we fuel continued growth in homeownership rates while decreasing the number of failed mortgages and foreclosures?
The Motley Fool December 12, 2007 Dan Caplinger	Early Christmas for Mortgage Borrowers There's some good news on the mortgage front for a change. Lending has not come to a grinding halt. In fact, for those who have good credit and qualify for standard fixed-rate loans, mortgages have actually gotten more affordable.
BusinessWeek October 1, 2007 Vitaliy N. Katsenelson	The Fed's Irresponsible Move The 2001 rate cuts caused the bubble that is now a crisis. Here we go again.
The Motley Fool October 9, 2008 Chuck Saletta	How the Federal Reserve Lost Its War Every battle is won or lost before it is fought.
The Motley Fool August 16, 2007 John Rosevear	Buying a Home During the Storm Essentially, what's going on is that the mortgage industry -- along with Wall Street -- is rethinking the appropriate pricing for taking on the risk of a borrower with a less-than-prime credit history.
BusinessWeek August 6, 2007 James C. Cooper	Credit Is Tightening--And That's Fine Credit tightening is curbing some of the frenzy, and a severe financial crunch is unlikely.
The Motley Fool July 26, 2007 Rich Greifner	The Worst Is Yet to Come Think subprime was bad? The Alt-A fallout will make the subprime situation seem like a minor chimney fire. However, there are certain types of investments that should weather the Alt-A storm just fine -- or at least better than most.
Finance & Development June 1, 2001 Timothy Lane & Steven Phillips	IMF Financing and Moral Hazard Although it has been argued that IMF financing may create moral hazard, it is not easy to find clear evidence of such an effect. If the extent of IMF-induced moral hazard were known, any costs would have to be weighed against the possible benefits of IMF financing...
BusinessWeek August 27, 2009 James C. Cooper	Business Outlook: Why Credit Growth Remains Slow Banks are still skittish about offering credit, and households and companies remain reluctant to borrow, creating drags on the recovery.
The Motley Fool December 4, 2006 Dan Caplinger	Avoid the Loan Sharks For those with less-than-perfect credit histories, there's a scary trend in personal finance these days. In the name of convenience, some borrowers are digging themselves into a hole from which they may never emerge.
The Motley Fool April 20, 2007 Rich Duprey	First Cash Not Subprime The pawnshop operator and payday lender notches records despite vaunted subprime market woes. Investors, take note.
Real Estate Portfolio Sep/Oct 2007 Dees Stribling	Coming into Focus Mortgage REITs of all stripes tighten their lending practices to improve their outlook going forward. The subprime event may mark a permanent change in the business environment for mortgage REITs, as well as mortgage lenders and investors.
The Motley Fool November 30, 2007 Seth Jayson	Paulson's Plan to Punish the Public Treasury Secretary Hank Paulson's plan to protect homebuyers from their mistakes -- extending loan teaser rates for a few years -- will punish us all.
BusinessWeek March 26, 2007 Michael Mandel	This Is A Correction, Not A Meltdown Unless the damage spreads, let's not overreact to subprime's travails.
The Motley Fool April 4, 2008 Tom Hutchinson	Congress Grills Bernanke Over Bear Recent hearings debated the Fed's role in bailing out Bear Stearns.
BusinessWeek August 20, 2007 Peter Coy	The Bernanke Agenda The Fed chairman feels the pain of subprime borrowers and the Street, but he's got his priorities.
The Motley Fool May 15, 2007 Dan Caplinger	Borrow Now or Borrow Never If you're thinking about buying a home, do your homework. Find a lender or mortgage broker early in the process, and get preapproved for a mortgage that will work for you.
FDIC FYI March 28, 2002	Housing Market Strengths and Risks A report released today in the FDIC's Regional Outlook evaluates changes in mortgage underwriting during the last expansion, and the likelihood that weakening home price growth could adversely affect home borrowers and lenders...
Finance & Development September 1, 2002 Kenneth S. Rogoff	Straight talk Moral Hazard in IMF Loans: How Big a Concern?
Financial Advisor November 2008 Gregory Bresiger	Life Will Be Good Again -- But When? Diversify investments. Don't worry, the markets will recover. That's the message of John Waggoner, a personal finance journalist for USA Today, in his slim new volume entitled Bailout.
CFO June 15, 2012 Vincent Ryan	Banks Ease Terms for Business Loans Fiercer domestic competition is making U.S. banks more flexible on spreads, interest-rate floors, and other costs to borrowers.
BusinessWeek January 9, 2006 Justin Hibbard	So Many Lenders, So Few Takers As housing slumps, the roof is falling in on the overbuilt mortgage industry.
BusinessWeek April 11, 2005 Justin Hibbard	The Fed Eyes Subprime Loans Battles over lending to low-income, often minority, home buyers used to be about access to credit. Now they're about access to affordable credit. If new lending data hints at unfair pricing, lenders may have to take a good, hard look at their methods.
The Motley Fool July 17, 2007 Sham Gad	What Sparked the Subprime Explosion? Some really smart people have taken one asset -- the plain old mortgage -- and singlehandedly created layers and layers of financial instruments that are predicated on it. Like dominoes, one by one, these securities are now tumbling and leaving investors and homeowners to clean up the mess.