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Commercial Investment Real Estate Sep/Oct 2013 Jeff Rauth	Follow the Money What are today's most financeable deals? Several market forces currently at work foretell a stronger lending environment in the next 12 to 18 months.
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.
Commercial Investment Real Estate Mar/Apr 2011 Patrick Fitzgerald	Lessons Learned Can a new look at data prevent the commercial real estate market from repeating past mistakes?
The Motley Fool February 1, 2010 Morgan Housel	Banks Aren't Lending? Says Who? The popular chant that "banks aren't lending, banks aren't lending!" is grossly misconstrued.
HBS Working Knowledge August 4, 2014	Why Small-Business Lending Is Not Recovering Lending to small businesses has not returned to levels seen before the financial crisis. Karen Mills, former head of the US Small Business Administration, explains the reasons.
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.
Commercial Investment Real Estate Mar/Apr 2012	Capital Markets 2012 Many economic issues converged late last year to slow commercial real estate's recovery.
The Motley Fool February 26, 2008 Morgan Housel	Bernanke's Quiet Bailout By using the term auction facility, Ben Bernanke was able prevent panic and simultaneously keep the banking system sound. Did he do the right thing?
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.
Bank Systems & Technology June 24, 2008 Ann Grochala	In the Aftermath of the Credit Crisis, Some Banks See a Silver Lining The current problems in the credit markets bring both challenges and opportunities to banks. Many community banks still have plenty of liquidity and capital, and they all have ready access to the Federal Home Loan Bank system.
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.
Registered Rep. March 1, 2008 Kristen French	The Lending Squeeze The tightening credit conditions is causing some financial advisors to have trouble getting loans for clients.
National Real Estate Investor February 1, 2006 Beth Mattson-Teig	Encore Performance? Mortgage bankers are hoping that 2006 will be a repeat performance of 2005 -- a phenomenal year for commercial and multifamily mortgage originations. But whether those expectations materialize depends largely on interest rates.
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.
Commercial Investment Real Estate Nov/Dec 2009 Steve Bram	Capital Markets Conundrum Are there viable solutions to today's financing puzzle?
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.
Reason March 2009 Veronique de Rugy	Dissatisfaction Guaranteed The government has decided to encourage more lenders to take more chances by guaranteeing yet more loans to high-risk borrowers. The only guarantee for these loans is that our children will be paying billions to cover the losses.
The Motley Fool October 16, 2008 Chuck Saletta	Why Uncle Sam's Help So Often Hurts The more aggressive the Fed has gotten, the tighter the credit market has become, especially when it comes to interbank lending
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?
U.S. Banker January 2011 Scott Anderson	Short-Term Gain, Long-Term Pain The Fed s plan to buy $600 billion of Treasury bonds might boost demand for loans, but this latest round of quantitative easing could hamper bank profitability and continue to restrain the economic recovery.
FDIC FYI February 27, 2002	Loan Weakness Spreads; Banks' Defenses Hold Large banks' business loans have been hit hardest by the recession, but some weakening is now appearing for smaller banks and for other kinds of loans...
U.S. Banker July 2007 Lee Conrad	Banks Fret Over Expected Spike In Company Failures Banks that extend loans to middle-market firms will have their work cut out for them in the next 12 months.
Commercial Investment Real Estate Jul/Aug 2013 Elizabeth Braman	2013 Midyear Financing Report With an abundance of available capital, the first half of 2013 showed plenty of healthy competition to finance commercial real estate. Will this trend continue?
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.
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.
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.
National Real Estate Investor June 1, 2006 Matt Hudgins	Are Borrowers Over-Leveraged? The central question is whether the low capitalization rates generating today's high property values and loan amounts are temporary or will be around for at least the next decade, when those loans will roll over and require new financing.
National Real Estate Investor January 1, 2005 Matt Hudgins	Leaping Through The Lending Trough According to the normal rhythms of the real estate industry, the first years of this decade should have been a slow period for lenders. To the delight of the mortgage industry, it hasn't worked out that way.
Bank Technology News December 2008 Rebecca Sausner	Modifying Home Loans Depends On Past Tech Investments The nation's largest banks are offering sweeping modifications on millions of mortgages. But how efficiently loans can be reworked will depend in part on how heavily institutions have invested in loan technology.
The Motley Fool August 31, 2005 Stephen D. Simpson	A Closer Look at Bank Stocks These investors must deal with unusual terms and funny-looking financial statements, but the rewards can be well worth it.
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.
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.
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.
Commercial Investment Real Estate Jul/Aug 2015 Tim Koltermann	CMBS Forecast Commercial mortgage-backed securities lending is alive and well -- maybe too well, depending on where you look in the market.
The Motley Fool September 22, 2006 Stephen D. Simpson	A Closer Look at Bank Stocks Learn the secrets of investing in this often-intimidating sector.
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.
BusinessWeek September 10, 2007 Maria Bartiromo	The Heat On Countrywide Embattled Countrywide CEO Angelo Mozilo answers critics who claim the lender helped bring on the housing crisis.
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 May 7, 2009 Jennifer Schonberger	More Credit Losses Are Coming to America The CEO of Kansas City-based regional bank UMB Financial says there's more pain to come.
Bank Systems & Technology March 7, 2005 Cynthia Ramsaran	Easing Lenders' Growing Pains While many banks are searching for innovative vendor solutions to update internal systems, others are staying ahead of the rapid growth in lending by teaming with service providers.
U.S. Banker February 2010 Paul Davis	Holding Pattern for Borrowers Most bankers insist that they would make a lot more small-business loans if not for two key hurdles beyond their control: Many business owners seeking loans are risky credits, and creditworthy borrowers aren't too eager to add debt.
The Motley Fool October 16, 2007 Dan Caplinger	How Not to Profit From the Mortgage Crisis It's tempting to try to profit from the irrational state of the mortgage lending market. Beware, investors, in many cases, trust deeds are extremely risky.
FDIC FYI January 29, 2003	Payday Lending Some insured depository institutions have failed to properly assess and control the risks associated with their payday lending programs. The consequences of deficiencies in risk management practices for payday lending programs can be severe.
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.
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.
The Motley Fool November 26, 2008 Alex Dumortier	The $800 Billion Pick-Me-Up for Consumer Credit The central bank announces an $800 billion support package aimed at spurring mortgage lending and consumer credit, including car, credit card, and small business loans.
Commercial Investment Real Estate Nov/Dec 2014 Pruitt & DeRensis	CMBS Maturity Wave Commercial mortgage-backed securities lending has shown signs of health to the tune of $84 billion issued in 2013, and issuance anticipated to approach $100 billion in 2014
The Motley Fool May 8, 2009 Jennifer Schonberger	The Worst May Be Over for Credit Losses Regional bank Camden National's CEO sees increasing stability in housing and unemployment.
National Real Estate Investor May 1, 2006 Matt Hudgins	Year of the Mega Loan Large loans and mushrooming CMBS issuance drove commercial real estate financing levels to an all-time high last year, but lenders say a slowing pace of transactions could temper loan volume as 2006 unfurls.
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.