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OCC Bulletin December 13, 2006	Allowance for Loan and Lease Losses Guidance and frequently asked questions regarding the most recent revisions to the ALLL.
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.
OCC Bulletin July 20, 2001	Policy Statement on Allowance for Loan and Lease Losses Methodologies and Documentation for Banks and Savings Institutions Developed in collaboration with the Securities and Exchange Commission, the policy statement clarifies the agencies' expectations and provides guidance regarding methodologies and documentation support for the Allowance for Loan and Lease Losses Methodologies...
OCC Bulletin March 26, 2001	Loans Held for Sale This issuance covers the accounting and reporting treatment for certain loans that are sold directly from the loan portfolio or transferred to a held-for-sale account...
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.
OCC Bulletin December 29, 2005	Nontraditional Mortgage Products Request for Comment on Proposed Nontraditional Mortgage Product Guidance
OCC Bulletin October 4, 2006	Nontraditional Mortgage Products: Guidance on Nontraditional Mortgage Product Risks Guidance discusses how institutions can offer nontraditional mortgage products in a safe and sound manner and in a way that clearly discloses the benefits and risks to borrowers.
OCC Bulletin January 31, 2001	Subprime Lending While the OCC believes that responsible subprime lending can expand credit access for consumers and offer attractive returns for bankers, during recent years institutions engaged in subprime programs have represented a disproportionate number of problem institutions...
U.S. Banker September 2008 Tambor & Cortez	The Perils Of Crisis Mode Risk exposure is now racing through the home equity lending industry, leaving a far different landscape for institutions to navigate. As home prices fall and delinquencies soar, lenders are scurrying into defense mode.
OCC Bulletin May 17, 2002	Interagency Advisory Interagency advisory on the regulatory capital treatment of accrued interest receivable related to credit card securitizations...
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.
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 October 9, 2006 Dan Caplinger	Know Your Numbers: Consumer Credit Use economic data to gain the upper hand in your investing. The Federal Reserve's consumer credit report provides some useful information about the borrowing practices of typical consumers.
OCC Bulletin March 11, 2002	Country Risk A recently issued statement describes the elements of an effective country risk management process. These principles will guide examiners when they evaluate the management of country risk in internationally active banks...
OCC Bulletin May 16, 2005	Home Equity Lending Guidance on regulatory expectations for credit risk management and practices.
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 December 5, 2006 Dan Caplinger	The Negative Amortization Trap Negative amortization loans are the only way some homeowners can buy their homes, but they present a trap for the unwary. Only by managing your finances carefully can you avoid a potentially disastrous result.
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.
BusinessWeek September 11, 2006 Mara Der Hovanesian	Nightmare Mortgages They promise the American Dream: A home of your own - with ultra-low rates and payments anyone can afford. Now, the trap has sprung.
OCC Bulletin June 20, 2000	Uniform Retail Credit Classification And Account Management Policy The policy establishes standards for classification and account management of retail credit in banks and thrifts. It generally requires that closed-end loans be charged off when 120 days past due and that open-end credit be charged off when 180 days past due...
CFO March 1, 2007 Rob Garver	Nothing to Bank On Bank executives will undoubtedly spend much of the next year assessing the likelihood and impact of new rules, while at the same time trying to keep earnings growth on its upward trend.
Bank Technology News February 2009 Bob Craig	Virtual Collections Lead to Reduced Loan Charge-offs With consumer delinquencies on the rise across-the-board, smart financial institutions are employing innovative, virtual collections technology to decrease charge-offs and have a significant impact on their income statements.
The Motley Fool November 16, 2007 Rich Duprey	Battling for Payday Loans A ban on military payday loans keeps underpaid soldiers even more short of cash.
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.
OCC Bulletin December 4, 2002	Accrued Interest Receivable This clarifies the appropriate accounting treatment for banking organizations that securitize credit card receivables and record an asset commonly referred to as an Accrued Interest Receivable.
U.S. Banker February 2010 Donald Musso et al.	How Regulators Are Inhibiting an Economic Recovery Raising capital levels for banks deters new lending. Now is not the time for higher capital standards, but for enforcing standards already in place.
Financial Planning June 1, 2010 Donald Jay Korn	College Loans Say Uncle The new law excluding banks from making federal education loans should be a PLUS for borrowers who can now turn to the Bank of Uncle Sam.
This Old House Sid Davis	Here's How to Finance Your Remodel Financing a remodeling project doesn't have to be a crap shoot. Here's a game plan for choosing the best deal.
Bank Technology News January 2008 Glen Fest	Risk Without Reward The subprime mess has exposed how fragile banks are today to market pressures, and how much can fall on the shoulders of risk officers. Finding a path forward from the ashes will require stronger leadership overseeing risk.
Bank Systems & Technology June 18, 2009 Maria Bruno-Britz	The Financial Industry Reacts to Obama Regulatory Proposal Although most agree with the general principles outlined in the President's financial reform plan, they find several sticking points -- and IT won't be immune.
OCC Bulletin	Accounting for Loan and Lease Losses The guidance addresses recent developments in accounting for loan and lease losses and provides a listing of current, authoritative sources of generally accepted accounting principles in this area.
AskMen.com Corey Weiner	Consolidate Your Debts Some strategies for effectively consolidating your debts and regulating your monthly cash flow as any prosperous enterprise must.
Commercial Investment Real Estate Jonathan A. Peckham	Borrower Beware Most commercial mortgage lenders charge application, due diligence, and loan commitment fees, but do your clients know what that money really is buying? Often, it is less than they think.
U.S. Banker February 2008 Glen Fest	Risk Without Reward Finding a path forward from the ashes of the subprime mess will require stronger leadership overseeing risk, a culture more respectful of interdependent risks and new technologies measuring them across the enterprise.
Commercial Investment Real Estate May/Jun 2006 A. Barry Cappello	Making It Work Investors soon may feel the effects of a cooling real estate market through subtle and not-so-subtle shifts in the way lenders view commercial real estate loans. When lenders' requirements tighten, borrowers should consider these options.
BusinessWeek November 6, 2006 Robert Berner	Cap One's Credit Trap By offering multiple cards, Capital One helps land some subprime borrowers in a deep hole and boosts its earnings with fee income.
HBS Working Knowledge August 28, 2014	Government Can Do More to Unfreeze Small Business Credit In part three of her series on the state of small-business lending, Karen Mills discusses how public-private partnerships and government guarantee programs have the potential to enhance economic growth.
Commercial Investment Real Estate Jan/Feb 2011 Brad Cox	The Loan Request Package How to request -- and get -- the best loan from today's limited lending sources
The Motley Fool April 5, 2006 Selena Maranjian	Good Credit Card News Overstated The bottom line is that there have been fewer changes for the better than originally thought regarding new credit card minimum payment standards. Here are the specifics for the seven largest issuers: American Express... Bank of America... etc.
The Motley Fool January 24, 2007 Dan Caplinger	The Dangers of Co-Signing Know what you're getting into before you guarantee someone else's debt. Co-signing on another person's loan is beyond the regular call of duty, and you shouldn't feel bad if you decide it's not worth risking your own financial stability to do it.
Financial Advisor February 2006 Gail Liberman	Burning Down The House? Although home equity lines of credit are a useful financial planning tool, a growing chorus of experts is concerned that consumers could be overextending themselves as rates rise.
HBS Working Knowledge December 21, 2009 Roger Thompson	Good Banks, Bad Banks, and Government's Role as Fixer In his new book, Too Big to Save, HBS senior lecturer Robert Pozen tells us how to fix the system.
U.S. Banker April 2009 Dwayne E. Toler	Avoid Shortcuts and Panic in Troubled Real Estate Loans What started out as a credit crisis in residential real estate has now spread to commercial real estate.
The Motley Fool January 31, 2005 Selena Maranjian	Beware of Payday Lending Don't be a victim of highway robbery: Avoid the predatory practices of those who offer paycheck advances.
OCC Bulletin March 28, 2005	Credit Risk Proposed changes for the classification of commercial credit exposures, which are used to identify higher risk commercial loans and determine classified loan ratios.
CFO October 1, 2008 Vincent Ryan	Now What? As banks tend to their balance sheets and seek higher returns on capital, corporate lines of credit are becoming more expensive and tougher to keep.
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 November 14, 2005	Federal vs. Private Loans At a glance, here's how federal and private student loans differ.
Commercial Investment Real Estate May/Jun 2003 Christopher Carroll	Understanding Today's Underwriting Criteria Makes Refinancing Easier With historically low interest rates still available, many property owners are seeking to refinance their loans. However, they should be aware that today's lenders underwrite real estate values far differently than in the past by using a relatively new set of cash flow adjustments.
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.