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Reason January 2009 Michael Flynn |
Anatomy of a Breakdown Concerted government policy helped trigger the financial meltdown -- and will almost certainly extend it. |
U.S. Banker March 2008 John Engen |
The Politics of Lending Sen. John McCain took time to present his vision of a world with simplified mortgage applications, and even suggested that the government might need to jump in to help mitigate the worsening crisis. |
Finance & Development December 1, 2007 Randall Dodd |
Subprime: Tentacles of a Crisis The mortgage market turbulence is as much about the breakdown of the structure of U.S. financial markets as it is about bad debt. |
CFO January 1, 2009 Scott Leibs |
The Year That Was A look back at the lows and ultra-lows of an all-too-historic year. |
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. |
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. |
U.S. Banker May 2003 John Engen |
Out of Step They're exempt from state and local taxes and from registering most securities with the SEC. They have sharply lower capital requirements. Combined, these factors give Fannie Mae and Freddie Mac a gargantuan advantage in the market. Their "mission creep" has most bankers seeing red. |
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. |
BusinessWeek March 19, 2007 Der Hovanesian & Goldstein |
Who Will Get Shredded? As the subprime business tanks, the pain is spreading to a wide swath of investors. |
Bank Director 1st Quarter 2011 Jack Milligan |
In the Eye of the Storm Former Comptroller of the Currency John C. Dugan speaks candidly about the financial crisis of 2008, the landmark Dodd-Frank Act and the need for minimum loan underwriting standards for the banking industry. |
HBS Working Knowledge September 29, 2008 Martha Lagace |
Financial Crisis Caution Urged by Faculty Panel Dean Jay O. Light and a group of Harvard Business School faculty explored the origins and possible outcomes of the U.S. financial crisis at a recent "Turmoil on the Street" panel. |
Financial Planning December 1, 2007 Elizabeth O'Brien |
Subprime Truths and Consequences The continuing credit crunch spotlights the perils of leverage. How should your financial advisory clients respond? |
The Motley Fool June 1, 2009 Christopher Barker |
Are You Ready for Round II of the Mortgage Meltdown? A troubling report on the mortgage crisis has far-reaching implications. |
The Motley Fool May 20, 2008 Chuck Saletta |
Which Companies Are Swimming Naked Right Now? Sometimes, things are even uglier than they appear in the banking sector. |
Bank Systems & Technology July 23, 2008 Orla O'Sullivan |
Fannie, Freddie Troubles May Have Been Avoided If Technology Was Used Properly As observers watch cash-strapped Fannie Mae and Freddie Mac being propped up by the government, many wonder how technology failed to save the agencies and the lenders supplying mortgages to them from being left holding the bag on so many bad loans. |
Reason July 2009 Randazzo et al. |
Turning Japanese Japan's post-bubble policies produced a "lost decade." So why is President Obama emulating them? |
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. |
FDIC FYI |
FYI: An Update on Emerging Issues in Banking Assessing the banking industry's exposure to an implicit government guarantee of gses |
The Motley Fool August 16, 2007 John Rosevear |
Buying a Home During the Storm Essentially, what's going on is that the mortgage industry -- along with Wall Street -- is rethinking the appropriate pricing for taking on the risk of a borrower with a less-than-prime credit history. |
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 July 14, 2008 Dan Caplinger |
Curtains for the American Dream? How trouble with Fannie and Freddie could affect your ability to get a mortgage. |
BusinessWeek April 8, 2010 |
Book Excerpt: Roger Lowenstein's "The End of Wall Street" The Street isn't dead - but a certain laissez-faire idea of it is. So argues Lowenstein in his new book. |
The Motley Fool November 30, 2007 Seth Jayson |
Paulson's Plan to Punish the Public Treasury Secretary Hank Paulson's plan to protect homebuyers from their mistakes -- extending loan teaser rates for a few years -- will punish us all. |
The Motley Fool January 28, 2011 Morgan Housel |
Financial Crisis: The Greatest Hits The Financial Crisis Inquiry Commission's report, two years in the making, is a 623-page tome of everything you could ever want to know about the financial crisis. |
The Motley Fool July 14, 2008 Morgan Housel |
The Death of IndyMac IndyMac was seized by the FDIC, the government organization that insures bank deposits, in what could go down as one of the costliest bank failures ever. Get ready for more dark days in the banking sector. |
The Motley Fool April 27, 2010 Dan Caplinger |
This Will Bring On the Real Recovery Now, some positive signs in mortgage financing are bolstering the argument that for real estate, the worst is truly over. |
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. |
The Motley Fool July 11, 2008 Tom Hutchinson |
Freddie and Fannie Free-Fall There may be no choice but to bail out the behemoth mortgage lenders. |
BusinessWeek July 9, 2007 Goldstein et al. |
Mutually Assured Mayhem Wall Street is on edge, scrambling to buck up Bear Stearns and avert a domino-effect debacle. |
U.S. Banker September 2010 Rob Garver |
Which Direction For Fannie and Freddie? As wards of the state, the mortgage giants support the majority of all new home loans. But conservatorship can t last forever, and as policymakers examine the government s role in housing finance, debate rages over where the GSEs should fit in. |
U.S. Banker January 2008 Engen et al. |
All-Star Banking Team 2008 Richard Davis, new CEO of U.S. Bancorp, won plaudits from shareholders for his transparent handling of the bank's subprime situation, and landed him and the bank on U.S. Banker's annual All-Star Banking Team. |
U.S. Banker August 2008 John Engen |
The Other Shoe... A commercial real estate fallout promises to be far more devastating than the subprime crisis, because this market is so much more pervasive - a linchpin business for so many institutions, including most community banks. |
Financial Advisor July 2007 Eric L. Reiner |
Housing Sings The Blues Real estate woes bring both worry and opportunity to the financial sector. |
U.S. Banker December 2008 John Engen |
When Boom Goes Bust The subprime crisis, credit squeeze, housing slump and resulting economic fallout has played out with particular vigor in Las Vegas. |
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. |
Real Estate Portfolio Sep/Oct 2007 Dees Stribling |
Coming into Focus Mortgage REITs of all stripes tighten their lending practices to improve their outlook going forward. The subprime event may mark a permanent change in the business environment for mortgage REITs, as well as mortgage lenders and investors. |
The Motley Fool March 23, 2010 Morgan Housel |
Alan Greenspan on the Financial Collapse Love him or hate him, Greenspan opens up on the past two years. |
Financial Planning November 1, 2007 Donald Jay Korn |
Real Estate Roundup Financial advisors should understand that the deflation of the real estate bubble presents investors with tough choices -- and intriguing opportunities. |
Financial Advisor May 2008 Evan Simonoff |
After The Storm As the mushrooming subprime loan crisis enters its tenth month, a growing list of questions begs answers. |
BusinessWeek November 5, 2007 Matthew Goldstein |
Why Merrill Got Burned So Badly Its leadership role in underwriting risky CDOs brought in millions in fees but put Merrill Lynch in the subprime bull's-eye. |
BusinessWeek July 8, 2010 Woellert & Miller |
Time to Rethink Fannie and Freddie The debate has begun on how to reform the mortgage giants. |
The Motley Fool November 9, 2007 Seth Jayson |
Bernanke's Plan to Pick Your Pocket Federal Reserve Chief Ben Bernanke promotes an idea that would have taxpayers bail out the jumbo mortgage market. |
U.S. Banker January 2009 Joseph Rosta |
The Industry's New Year's Resolutions Here are five things the banking industry should consider to dig out of this recessionary ditch stronger than before. |
BusinessWeek October 29, 2009 Henry et al. |
Credit Creaks into Gear With a big boost from the feds, investors again like securities backed by assets like car loans -- but it'll take years for lending to flow freely. |
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 January 9, 2006 Justin Hibbard |
So Many Lenders, So Few Takers As housing slumps, the roof is falling in on the overbuilt mortgage industry. |
BusinessWeek October 21, 2010 Peter Coy et al. |
Mortgage Mess: Shredding the Dream The foreclosure crisis isn't just about lost documents. It's about trust - and a clash over who gets stuck with $1.1 trillion in losses. |
BusinessWeek July 23, 2007 Henry & Goldstein |
The Subprime Mess: "It's Just Going To Get Worse" Many more borrowers could default when ARM 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. |
HBS Working Knowledge June 22, 2009 Roger Thompson |
"Too Big To Fail": Reining In Large Financial Firms The federal government should slap tough new regulations on all firms that pose "systemic risk" - the risk that a failure of one institution could wreak havoc across the entire financial system. |