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The Motley Fool December 23, 2009 Dan Caplinger	2009: The Year Borrowers Got a Clue There are increasingly encouraging signs that fiscal responsibility may be a trend that lasts beyond the end of the recession.
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 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 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.
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 October 9, 2008 Chuck Saletta	How the Federal Reserve Lost Its War Every battle is won or lost before it is fought.
BusinessWeek March 19, 2007 Peter Coy	Under The Fed's Hammer How Fed rate hikes have turned into a regressive tax on weak borrowers.
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.
This Old House L. Gallant & D. Snoonian	The Mortgage Crisis: Where to Go for Help The Fed's decision to lower interest rates means more people might be looking for home loans again. These Web-based resources can help you avoid the risky ones, and find the loan that's right for you.
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.
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 May 27, 2009 James Brumley	Take Advantage of Credit Card Reform The recently enacted Credit CARD Act of 2009 gave consumers some valuable protection against card rules that, for some, were the equivalent of financial quicksand.
The Motley Fool February 14, 2007 Dan Caplinger	Read the Contract To avoid unpleasant surprises, you have to look at the fine print. Especially if you are: 1. Hiring a home-improvement contractor... 2. Getting promotional offers at banks... 3. Buying a house...
The Motley Fool December 19, 2007 David Lee Smith	The Fed's Not-So-Funny Comedy Routine The Fed's proposals to halt deceptive home lending could turn the Congress loose.
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 November 5, 2007 Nanette Byrnes	These Tough Lending Laws Could Travel North Carolina's progressive protection laws for borrowers may become a nationwide model.
BusinessWeek July 17, 2006 Robert Berner	Where Target May Miss The Mark Target's high-interest-rate credit-card business is looking riskier.
U.S. Banker December 2001 Robert A. Bennett	Gramlich's Words of Warning His suggested caution on subprime mortgage lending should be taken seriously...
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.
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 April 7, 2005 Dayana Yochim	Recommended Legal Reading Avoid ugly financial surprises by scrutinizing the tiny type. In many cases, you can negotiate better terms than the ones outlined in a contract. Employment contracts and mortgage agreements, even some cell-phone plans, often have wiggle room.
The Motley Fool June 7, 2011 Cindy Johnson	More Evidence Banks May Be Starting Another Race to the Bottom Defaulted on your mortgage recently? They'll consider you for a loan.
The Motley Fool March 6, 2008 Timothy M. Otte	Bernanke Has a Point. Maybe. Is his idea about reducing mortgage principals a reasonable one?
BusinessWeek October 28, 2010 Steve Matthews	It's Getting Easier to Get a Loan Banks, though still stingy, are starting to lend, even to small businesses.
The Motley Fool March 14, 2005 Selena Maranjian	Help the Fed Help You Here's your chance to blast the credit card industry. The Fed is looking into making some modifications to the Truth in Lending Act. Better still, they want to hear from you!
Investment Advisor May 2007 Megan L. F. Robert	Bill Gross on the Housing Crisis Loan losses will threaten future growth, the bond king says, but not for the reasons you might think.
The Motley Fool March 5, 2007 Bill Mann	Better Catch That Cow! The feds wait until now to warn consumers about adjustable-rate mortgages?
The Motley Fool October 15, 2008 Kristin Graham	The Next Housing Catastrophe Waiting to Strike Just wait till you see what's lurking in the shadows of this housing mess. The subprime mess was the earthquake and the next wave of option-ARM resets will be the aftershock no one saw coming.
The Motley Fool April 20, 2007 Emil Lee	Time To Capitalize on Capital One? Shares of the credit card company trade at a compelling valuation.
The Motley Fool October 23, 2006 Emil Lee	Capital One's Bright Future By being smart about its business, Capital One is poised for long-term success. Investors, take note.
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 August 24, 2010 Dan Caplinger	How Big Banks Will Crush You Each new credit card rule means higher costs for consumers.
U.S. Banker May 2008	As the Credit Crisis Grinds On, Lending Falls Off the Cliff The current climate for loan production might not be Great Depression 2.0, but try telling that to someone with less than perfect credit.
The Motley Fool November 11, 2009 Morgan Housel	Rely on a Credit Card? Read This We should pay attention to what banks plan on doing with the single most important source of consumer credit -- credit cards -- in the months ahead.
BusinessWeek December 17, 2009 Alexis Leondis	The Latest Credit-Card Tricks With new federal rules looming, card issuers are concocting creative ways to collect fees
The Motley Fool January 27, 2009 Ivan Martchev	Catch-22: Why Banks Can't Lend Lots of banks aren't willing or able to help kick-start the economy that would bring them back to health.
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.
The Motley Fool March 25, 2010 Morgan Housel	Why Is Bank of America Getting Crushed by Its Peers? Why is B of A's credit card portfolio is so ugly? Is it the tragedy of overreaching for growth?
BusinessWeek October 29, 2009 Brian Burnsed	Interchange Fees Make Strange Bedfellows Retailers want the fees reduced -- and they're enlisting consumers as allies.
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.
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, 2008 Dan Caplinger	The Real Systemic Risk in Our Economy We all have to change how we think about money.
BusinessWeek April 12, 2004 Christopher Palmeri	Home Buyers: ARMed And Dangerous? Adjustable-rate mortgages are pulling in new buyers -- but the risks are high
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...
The Motley Fool March 16, 2007 Seth Jayson	Quick Take: Merrill Wants Its Bubble Back, Too The investing bigwig longs for the return of astronomical housing prices.
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.
BusinessWeek April 8, 2010 John Tozzi	Credit-Card Reform: No Fix for Small Biz Small business cardholders still face penalties that issuers are now barred from charging consumers.
Entrepreneur February 2005 C.J. Prince	New Way to 7(a) With no more federal subsidy, entrepreneurs are uncertain about the future of small-business loans.
The Motley Fool March 19, 2007 David Lee Smith	Subprime Symptoms Starting to Spread? It seems that subprime mortgage difficulties have already started to spread. There will almost certainly be a more protracted softness for housing than we might have anticipated as recently as the final quarter of last year.
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.