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BusinessWeek March 11, 2010 Roger Lowenstein |
Commentary: First, Slap Limits on Bank Leverage The fight over a financial consumer protection agency misses the point. What fueled the crisis was bank debt.  |
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 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.  |
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.  |
Finance & Development December 1, 2008 Charles Collyns |
The Crisis through the Lens of History The current financial crisis is ferocious, but looking at history shows the way to avoid another Great Depression.  |
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.  |
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?  |
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.  |
BusinessWeek November 19, 2007 Peter Coy |
The Economy on the Edge Will the U.S. succumb to a debt crisis brought on by years of profligate lending - or keep growing? Here are some markers to mind in figuring out where we're headed.  |
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 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.  |
On Wall Street December 1, 2011 Peter J. Wallison |
Volcker Rule: A Throwback To A Bygone Era The Volcker Rule, enacted as part of the Dodd-Frank Act in 2010, has lately received a lot of adverse commentary.  |
Financial Planning December 1, 2007 Elizabeth O'Brien |
Subprime Truths and Consequences The continuing credit crunch spotlights the perils of leverage. How should your financial advisory clients respond?  |
U.S. Banker January 2008 Michael Sisk |
Keeping The Spigot Open The fact is not lost on banks that American consumers are, by and large, still employed and paying their bills. Credit is, and will be, still available.  |
BusinessWeek March 26, 2007 Maria Bartiromo |
Inside The Mortgage Crisis CEO Angelo Mozilo says Countrywide Financial should not be lumped in with the subprime outfits that are getting hammered.  |
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.  |
BusinessWeek September 16, 2009 Peter Coy |
Financial Innovation Under Fire Can we protect consumers and still be creative?  |
U.S. Banker November 2006 John Engen |
Reality Check The banking industry has never been more profitable, but with the yield curve inverted and consumer lending stalled, and an economic slowdown in the works, the winning streak looks to be in jeopardy. Are banks ready - and will more CEOs opt to sell out?  |
The Motley Fool April 24, 2007 Tim Beyers |
Quick Take: Have Banks Learned Nothing? When the subprime crisis first struck, Wall Street wondered whether it would spread to prime lenders such as Washington Mutual and Bank of America. Many investors appear to believe that it will.  |
BusinessWeek March 26, 2007 Mara Der Hovanesian et al. |
Making Sense Of The Mortgage Mess The economy should be able to withstand the downdraft in the mortgage market.  |
U.S. Banker May 2007 Thomas P. Vartanian |
Crisis and Opportunity In Subprime Mortgage Markets Problems in the subprime mortgage business will inevitably lead to opportunities for those who can evaluate, service or manage the underlying loans, securities and real estate.  |
Investment Advisor October 2007 Jason Brady |
Bottleneck While driven by fundamental weakness in U.S. real estate, in particular subprime loans, the current liquidity crisis has become a general lack of confidence in banking and financial institutions globally.  |
BusinessWeek October 16, 2006 James Mehring |
More Scrutiny For High-Risk Mortgages New guidance put out by U.S. bank regulators warned lenders to keep up their due diligence when issuing exotic mortgages. The impact could be fewer mortgages and less demand for homes.  |
HBS Working Knowledge March 14, 2011 Sean Silverthorne |
Keeping Credit Flowing to Consumers in Need The economy will continue to depend on large numbers of low-wage workers. If lenders tighten credit too stringently, millions of Americans will be barred from borrowing.  |
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.  |
Financial Advisor May 2008 Evan Simonoff |
After The Storm As the mushrooming subprime loan crisis enters its tenth month, a growing list of questions begs answers.  |
BusinessWeek April 12, 2004 Christopher Palmeri |
Home Buyers: ARMed And Dangerous? Adjustable-rate mortgages are pulling in new buyers -- but the risks are high  |
BusinessWeek September 27, 2004 Bremner et al. |
Is Asia Prepared for the Next Crisis? Sound budgets, big trade surpluses, healthier banks -- the developing world has come a long way. That's why investors are pouring in money. But the risks haven't disappeared.  |
The Motley Fool June 27, 2007 John Rosevear |
Is It Time to Buy a House Yet? The subprime mortgage mess has created a mixed blessing for potential homebuyers.  |
Reason June 2008 Donald J. Boudreaux |
The Coming Recession Seven observers debate the (sorry) state of the economy.  |
U.S. Banker December 2001 Robert A. Bennett |
Gramlich's Words of Warning His suggested caution on subprime mortgage lending should be taken seriously...  |
FDIC FYI September 17, 2003 Susan Burhouse |
Evaluating the Consumer Lending Revolution Consumer balance sheets have become stretched by large amounts of new consumer and mortgage debt. This rapid increase in consumer spending and borrowing raises important questions about the sustainability of current debt loads and the vulnerability of the consumer sector to economic shocks.  |
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.  |
Finance & Development December 1, 2000 Dadush, Dasgupta, & Ratha |
The Role of Short-Term Debt in Recent Crises The 1990s witnessed a boom in short-term lending by international banks to developing countries that lasted until Asia's financial crisis erupted in 1997. By 1997, nearly 60 percent of all outstanding international bank claims on developing countries had a remaining maturity of less than one year.  |
U.S. Banker November 2007 Lee Conrad |
Buckle Up! Next Year will be A Bumpy Ride. Maybe the best thing economists can say about the 2008 outlook for banks is that it won't be as bad as the third quarter of 2007.  |
Financial Planning September 1, 2005 |
Mutual Fund Monitor The real costs of a housing bubble.  |
The Motley Fool April 11, 2008 Tom Hutchinson |
Capital Ratio Fever Just as blood pressure and heart rate are vital measures of physical health, capital ratios are vital measures of the health and solvency of banks. Right now, those vital signs reflect a sick industry that's getting sicker.  |
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.  |
CFO June 1, 2008 Edward Teach |
How Bad Will It Get? The subprime-mortgage meltdown is strikingly similar to major financial crises in other countries. Will the aftermath be as costly?  |
U.S. Banker March 2008 John Engen |
The Politics of Lending Sen. John McCain took time to present his vision of a world with simplified mortgage applications, and even suggested that the government might need to jump in to help mitigate the worsening crisis.  |
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 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.  |
Finance & Development December 1, 2008 Mohamed A. El-Erian |
A Crisis to Remember The current crisis is a defining moment for the global financial system and, by implication, for relationships between countries.  |
Financial Advisor August 2009 Seth Becker |
What Can We Do? The financial crisis shows that we must manage our own affairs -- responsibly and with restraint -- or someone will do it for us.  |
Finance & Development December 1, 2007 Mauro & Yafeh |
Financial Crises of the Future Will future financial crises resemble the contagious crises of the 1990s, or the country-specific crises of the 1890s? What seems clear is that both advanced and emerging market countries will pay close attention to this debate.  |
Inc. January 1, 2003 Martin Mayer |
A Borrower Be Tough economies and easy credit usually don't mix. So why are banks falling all over themselves to lend small businesses money?  |
U.S. Banker August 2001 Ted Cornwell |
Fears of Defaults Subprime loans are behind the fears. They have not been tested in a declining economy and analysts don't know what to expect.  |
BusinessWeek March 19, 2007 Peter Coy |
Under The Fed's Hammer How Fed rate hikes have turned into a regressive tax on weak borrowers.  |
CFO October 1, 2007 Ryan & Hahn |
Fear Factors Six banking executives discuss their concerns about the credit crunch and its ever-widening implications.  |
CFO Joseph McCafferty |
Another Nick in the Wall Regulators are looking into allegations that banks are "tying" loans to other fee-based business.  |