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HBS Working Knowledge July 21, 2014	Is a Gap in Small-Business Credit Holding Back the American Economy? A former head of the US Small Business Administration, analyzes the current state of availability of bank capital for small business.
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.
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.
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 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.
Entrepreneur November 2004 C.J. Prince	A Loan Time With small-business lending up across the board, now's a great time to get the capital you need.
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.
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 December 2010 Rob Garver	SBA Aims to Attract More Banks The lower fees and higher guarantees enacted for the government s small-business lending programs have some in the industry optimistic that interest by banks might surge.
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.
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...
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.
FDIC FYI February 21, 2002	Business Credit Flowing Despite Recession Business credit is more plentiful in this recession than in any other recessionary episode since the early 1970s, according to an FDIC report released today...
U.S. Banker February 2007 Andrew Reinbach	Are Small Banks Reevaluating A Big-Bank Technique? Scoring small-business loans is often believed to be unnecessary at the community bank level, especially if the lender and applicant know each other. But it may yet be valuable for credit quality.
Commercial Investment Real Estate Nov/Dec 2009 Steve Bram	Capital Markets Conundrum Are there viable solutions to today's financing puzzle?
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.
U.S. Banker June 2007 John Tozzi	Union Bank of Cal's Edge Sharpens Its Diversity Success Taking advantage of a little used Fed exemption, one California bank made 263 loans to minority borrowers last year that would have been denied under the bank's usual lending criteria.
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?
FDIC FYI August 29, 2002	Strong Bank Earnings Reflect Nature of U.S. Downturn Second quarter 2002 earnings results for commercial banks show that the benefits of a steep yield curve continue to outweigh the costs of higher credit losses.
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.
Inc. September 2003 Amy Gunderson	Banks May Sell Off Your Loans A secondary market for small-business loans could benefit entrepreneurs.
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.
Bank Director 1st Quarter 2011 Jack Millligan	Is the Community Bank Business Model Broken? The concept of community banking is still viable, but the model that many small institutions employ has to change.
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.
HBS Working Knowledge April 9, 2014 Carmen Nobel	A Playbook for Small-Business Job Creation Karen Mills left her post as SBA Administrator for a joint fellowship at Harvard to tackle a question she's faced her whole career: How can the United States drive innovation and turn it into jobs?
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.
CFO June 15, 2012 Vincent Ryan	Banks Ease Terms for Business Loans Fiercer domestic competition is making U.S. banks more flexible on spreads, interest-rate floors, and other costs to borrowers.
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
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.
FDIC FYI April 11, 2002	Economic Conditions and Emerging Risks in Banking The report describes recent signs of a consumer-led recovery in the U.S. economy that may have begun in the first quarter...
BusinessWeek July 23, 2009	The SBA's Karen Mills on Thawing Credit How the Administrator of the Small Business Administration says her agency is helping get banks to lend to small business again.
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 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.
U.S. Banker March 2011 Steve Garmhausen	SBA Revamps Lending for Underserved Markets After too many defaults and too little loan volume for its Community Express program, the SBA is starting over -- and excluding banks this time.
U.S. Banker April 2011 Hugh Kelly	There They Go Again? Banks opening the spigot for commercial real estate lending are not as foolhardy as some critics contend.
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...
U.S. Banker July 2008 Anthony Malakian	Small-Company Failures May Cause Big Migraines Oil has topped $139 a barrel. Food prices are skyrocketing. Utilities are pricier than ever. Inflation is on the march. It's no wonder that small-business owners are none too confident about their future. This doesn't mean there aren't opportunities for smart lending.
U.S. Banker February 2010 Rob Garver	What Now? If Washington really wants to get credit flowing to small businesses, it could modify TARP, relax capital requirements and rethink its stance on industrial loan companies. Or it could do nothing at all.
U.S. Banker February 2010 Glen Fest	A New Calling Two small New England banks are moving into a line of business few their size have tried. Is this the future of community banking?
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.
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.
BusinessWeek May 1, 2008	Navigating the Crunch A financial aid expert explains how borrowers can best ride it out.
The Motley Fool September 25, 2007 Buz Livingston	Dump "Liar Loans" Many lenders have either shut down or reduced their subprime lending practices in the last few months. However, isn't this a bit like closing the barn door after the horse has escaped?
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.
U.S. Banker April 2011 Barbara A. Rehm	Excess of Reserves, Shortage of Facts The Fed alone - not actions by banks - dictates how large the reserve number is. And it is the Fed s expansion of its balance sheet that has ballooned reserve levels at banks.
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.
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.
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 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 Jul/Aug 2011 David F. Webb	The Lending Scene Commercial mortgage-backed securities' return brightens the picture in primary markets.