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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.
National Real Estate Investor February 1, 2007 Ben Johnson	Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns.
National Real Estate Investor April 1, 2003 Kingsley Greenland	Liquidity Crisis Averted With a weak economy and the prospect of war, real estate investors are understandably nervous. The good news is that they aren't handcuffed by a 1990s-style liquidity crisis that brought the industry to a standstill a decade ago.
BusinessWeek August 6, 2007 Roben Farzad	Let The Blame Begin Everyone played some role in the subprime mess - the Street, lenders, ratings agencies, hedge funds, even homeowners. Where does responsibility lie?
U.S. Banker July 2009 Andrew Dubinsky	Electronic Lending Could Help Avert Another Crisis If regulators had the tools in place to effectively view complex debt instruments and the links between the financial institutions that securitize, hold, and insure them this crisis may not have happened.
OCC Bulletin April 4, 2001	Leveraged Financing Guidance for bankers and examiners that more fully describes supervisory expectations regarding sound practices for leveraged financing activities.
Commercial Investment Real Estate Nov/Dec 2009 Steve Bram	Capital Markets Conundrum Are there viable solutions to today's financing puzzle?
U.S. Banker August 2008 John Engen	The Other Shoe... A commercial real estate fallout promises to be far more devastating than the subprime crisis, because this market is so much more pervasive - a linchpin business for so many institutions, including most community banks.
BusinessWeek November 26, 2007 David Henry	A Chain Reaction in Shaky Debt? As exotic CDOs topple, the impact could ripple through debt markets and wallop more funds and banks.
CFO September 1, 2008 Alix Stuart	Over Rated? The subprime fiasco has put corporate credit-ratings on thin ice.
National Real Estate Investor June 1, 2005 Kingsley Greenland	Why Liquidity Should Help You Sleep Better There is no crystal ball that can predict the next lending squeeze, or if one will even occur. What is certain however, is that greater liquidity in the secondary market for commercial real estate loans is an important safety valve for the entire industry.
The Motley Fool August 7, 2007 Michael Leibert	Moody's: No Chink in the Armor Despite feeling some heat, Moody's projects solid growth and maintains a strong competitive position. Investors, take note.
BusinessWeek September 17, 2007 Dawn Kopecki	The SEC Wants More Answers The Securities & Exchange Commission is expanding its probe into the mortgage mess.
CFO June 1, 2010 Randy Myers	Ratings Disaster Congress takes another stab at reforming the credit-rating agencies, whose AAA seal of approval helped fuel the subprime crisis. But will any change truly make a difference?
BusinessWeek July 23, 2007 Henry & Goldstein	The Subprime Mess: "It's Just Going To Get Worse" Many more borrowers could default when ARM rates rise.
National Real Estate Investor June 1, 2005 Matt Hudgins	Sounding the Alarm Bell on CMBS Lending The capital pouring into commercial real estate isn't limited to conduit loans, but the industry at large can't afford to ignore changes in CMBS standards because securitization has evolved to influence nearly all commercial real estate lending.
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.
BusinessWeek May 7, 2007 David Henry	How The Bad News Could Get Worse If delinquencies lead to downgrades of mortgage-backed securities, ripples could become waves.
The Motley Fool December 17, 2007 Christopher Singley	A Capital Idea Deflated by the credit crisis, business development company American Capital looks like a bargain.
Bank Director 1st Quarter 2011 Jack Milligan	In the Eye of the Storm Former Comptroller of the Currency John C. Dugan speaks candidly about the financial crisis of 2008, the landmark Dodd-Frank Act and the need for minimum loan underwriting standards for the banking industry.
Finance & Development December 1, 2008 Noel Sacasa	Preventing Future Crises The financial crisis has exposed weaknesses in the current regulatory and supervisory frameworks and made it clear that we are in need of regulatory reform.
Finance & Development December 1, 2007 Randall Dodd	Subprime: Tentacles of a Crisis The mortgage market turbulence is as much about the breakdown of the structure of U.S. financial markets as it is about bad debt.
HBS Working Knowledge January 20, 2009 Julia Hanna	Risky Business with Structured Finance Even modest imprecision in estimating underlying risks is magnified disproportionately when securities are pooled and tranched.
Investment Advisor August 2007 Jeff Joseph	The Far Reach of Subprime Woes Leveraged loans to companies are likely to be adversely affected by hedge fund losses from collateralized debt obligations.
U.S. Banker September 2008 John Engen	Future Shock Where to start when trying to figure out how the banking industry got into the mess it's in today? And where, exactly, do we go from here?
Reason March 2009 Katherine Mangu-Ward	Lender Ender Threats from state and federal regulators have led Prosper, an online auction site that allowed individuals to negotiate private loans, to suspend its operations and leaves its future uncertain.
On Wall Street June 1, 2011 Lorie Konish	Five Questions With Phil Angelides A conversation with Financial Crisis Inquiry Chairman Phil Angelides about the report's findings and how they can help shape the industry's future.
Finance & Development June 2010 Per Kurowski	Letters to the Editor No reform can serve its purpose if it does not understand what is really wrong with the current regulations.
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.
CFO November 1, 2010 Vincent Ryan	Making Sense of Bank Reform The Dodd-Frank Act is arguably as inscrutable as the institutions and instruments it is supposed to fix.
Commercial Investment Real Estate Jul/Aug 2011 David F. Webb	The Lending Scene Commercial mortgage-backed securities' return brightens the picture in primary markets.
Reason January 2009 Michael Flynn	Anatomy of a Breakdown Concerted government policy helped trigger the financial meltdown -- and will almost certainly extend it.
U.S. Banker November 2009 John Engen	CRE Stress Another Test in Balancing Interests Commercial real estate loans are viewed as a time bomb, but will stricter exams threaten the industry's - and the economy's - recovery?
HBS Working Knowledge September 22, 2014 Karen Mills	Online Banks Fill Funding Needs for Small Business In the final column on small business lending, the author is optimistic that the rise of alternative online banks can fund entrepreneurial business growth.
U.S. Banker January 2011 Alan Kline	Common-Sense Ideas for Consumer Lending Even the smallest consumer loan requires almost as much documentation as a $250,000 business loan, and it's only going to get worse under Dodd-Frank.
FDIC FYI November 4, 2003 Puwalski & Williams	Economic Conditions and Emerging Risks in Banking The two main economic concerns of the past two years, a lack of new jobs and lackluster business investment, finally appear poised to subside.
Bank Director 4th Quarter 2010 Jack Millligan	A Short Leash on Risk Bankers all across the country are beginning to tighten up their lending practices as a response to the regulatory pressure they are under to keep lending plain, conservative, and firmly under control.
Finance & Development September 2009 Randall Dodd	Overhauling the System The United States is proposing the most radical reform of financial regulation since the New Deal.
U.S. Banker July 2008 Michael Sisk	A `Radical' Answer to Credit-Ratings Conflict The government should remove itself completely from the credit-rating business, stop deciding which company can and can't rate a bond, and stop making institutions pay attention to rating agencies whose work may be shoddy - and, it often turns out, is.
U.S. Banker April 2008 Joseph Rosta	If You Build an Exchange, Will They Come? Devising exchange-based trading, complete with futures and options contracts, for the public trading of these securities may be the surest route to creating transparency and setting firm prices.
The Motley Fool June 4, 2010 Anand Chokkavelu	Buffett, the Rating Agencies, and a Possible Opportunity Warren Buffett discusses the rating agencies and suggests a company that may be coming to eat their lunch.
The Motley Fool February 8, 2008 Morgan Housel	The Moody's Blues Debt-ratings agency Moody's watches its earnings and reputation erode, as the once-lucrative business of rating batches of collateralized debt obligations has begun to sour.
The Motley Fool December 3, 2009 Matt Koppenheffer	The Greatest Trick the Bankers Ever Pulled How do we get banks to get back to accurately pricing risk? By attacking the problem from multiple angles.
National Real Estate Investor March 1, 2005 John B. Levy	Where Have All the Good Loans Gone? Recent underwriting trends in fixed-rate CMBS originations may well lead to higher defaults and losses in the years ahead. Perhaps the most widely discussed issue is the increase in interest-only loans.
The Motley Fool September 26, 2011 Dan Radovsky	S&P Being Taken to the Woodshed The ratings agency will have to answer the SEC's questions about CDO ratings fiasco.
The Motley Fool April 18, 2011 Alex Dumortier	Revealed: 3 Emails That Explain the Crisis Released last week, a new 650-page Senate report on the financial crisis describes multiple aspects of a financial system run amok, including the way in which bankers muscled ratings agencies to turbo-charge their deal-making machine.
U.S. Banker April 2009 Anthony Malakian	When Bankers Don't Want to Be Friends with Bankers It's a given that the economy has to improve in order to get the juice flowing, but bankers and other industry experts say that to get banks trusting each other again, participation deals will also need greater transparency.
U.S. Banker July 2010	Why We Don't Need Any More Bank Charters Unless bank organizers can make a compelling case that consumers and business owners aren't being served by existing banks, regulators should continue to clamp down on new charters.
U.S. Banker March 2008 Thomas Killian	Surviving the 2007 Financial Crisis A four-point plan for bank managements and boards of directors to successfully weather these challenging financial times.
The Motley Fool December 16, 2011 Alex Dumortier	MF Global Infographic: How the Trade Actually Went Down A credit rating downgrade was all it took to spark a liquidity crisis.