Topic: Consumer Lending
How Banking’s Bifurcated Deposit Approach Is Altering Lending — and Risk
Offering higher deposit rates lessens emphasis on loans of fixed rate and longer maturity
In a Crisis, Solvent Borrowers are Overcharged, Subsidizing Troubled Bank Clients
An unusual data trove from Greece’s economic collapse reveals the practice
Did Bank Capital Rules Make Credit Card Borrowing More Expensive?
Though defaults are low, rates on credit card loan-backed notes are high
Credit Scores, Used to Predict Repayment, Can Restrain Economic Recovery
Rigid adherence to scoring systems can reduce consumer spending when it’s most needed
Could Costly Housing Bring Down Superstar Cities?
Stuart Gabriel’s research shows how a vibrant economic hub loses essential residents
When Homeowners Confide in Google, Forecasters See Clues to Mortgage Defaults
Researchers developed an index that warns earlier than others about approaching home loan problems
Some Homeowners Pay Their Underwater Mortgages Until the Government Offers a Better Option
Federal loan modification program led borrowers to default
Local-Level Mortgage Lending: How Competition Pushes Rates Higher, Not Lower
A study finds unexpected impact when a disruptive player enters market
Clues to the Market When Mortgage Originators Delay Securitization
With high-quality borrowers hard to judge from afar, Alt-A market offers quiet signal on creditworthiness