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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.
The Motley Fool June 2, 2006 Dan Caplinger	Estate Planning: Trusts It may not always be easy to determine when a trust is better than a will. Only by taking a hard look at all of the factors that affect you and your finances can you make an informed choice about which will help you more.
On Wall Street December 1, 2011 Ann Marsh	All In The Family In this low interest rate environment, some financial planners are advising their clients to cut the middleman out entirely with intra-family loans.
Financial Advisor September 2009 Cathleen M. Clauson	Unlocking Opportunity Trusts are a good way for advisors to expand their businesses. Here's why.
BusinessWeek January 17, 2005 Anne Tergesen	Where To Entrust Your Trust? Picking the right location is the key to success in real estate. Now it's also a crucial decision in the sleepy world of trust funds.
Financial Advisor May 2012 Eric Rasmussen	The Horror Whether it's sibling rivalries, poorly thought out trusts or simply greed, the estate planning world offers an abundance of horror stories.
OCC Bulletin October 13, 1999	Interagency Guidelines for Real Estate Lending Policies New guidelines discuss the credit risks associated with high loan-to-value residential real estate lending and remind national banks that the 1992 Interagency Guidelines for Real Estate Lending Policies apply to these transactions...
BusinessWeek January 30, 2006 Anne Tergesen	Interest Rates And Your Estate Even small changes can affect what you'll pass along to your heirs, so bear these tips in mind when shopping for trusts.
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.
Financial Advisor February 2009 Caren Chesler	No Do-overs? In tough economic times, some clients are wondering if they could tap those untouchable trusts. Probably not a good idea for advisors to let them do that.
The Motley Fool May 9, 2011 Cindy Johnson	Are Banks Starting Another Race to the Bottom? Easier credit standards are being driven by competition to lend.
National Real Estate Investor February 4, 2004 From staff reports	Commercial and Multifamily Originations Set Record in '03 Commercial and multifamily mortgage loan originations set a record during 2003, according to the Mortgage Bankers Association. The $116 billion in loan originations reported for 2003 were up by more than one-third from the $86.4 billion reported in 2002.
Bank Technology News March 2006 Michael Grebb	Cutting To the Chase New rules under the Home Mortgage Disclosure Act require lenders to collect and reveal data on a loan applicant's race, sex and income. Institutions must also share how they determine rate spreads for different applicants.
BusinessWeek June 18, 2007	Estates: Keeping It All In The Family Estate planner Armond Budish explains how to use trusts to safeguard your legacy.
Financial Advisor September 2008 Tracey Longo	Laws Of Attraction A firm's ability to navigate trusts can be their calling-card to attract high-net-worth 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.
Bank Technology News October 2009 John Adams	IT Cleanup in the Home Equity Aisle Two risky strategies of the past -- high-cost home equity loans made without tax and insurance escrow accounts, and the use of tech platforms siloed between different types of real estate lending -- are coming back to bite mortgage lenders via tough new regulations.
Commercial Investment Real Estate Sep/Oct 2003 Peltin & Swibel	Lenders Tighten Loan Standards in Reaction to Uncertain Economy With interest rates at record lows, demand for new mortgage loans remains strong. However, in today's anemic economic climate, lenders face increased risk of making non-performing loans. Commercial lenders have implemented new safeguards and follow stricter policies to minimize exposure.
Financial Planning August 1, 2005 Mitchell Rose	Estates Gone Awry Financial advisers can play a key role in avoiding common trust mistakes. Whether you are in on the original estate plan or your client already has one, you can help avoid future fiascos by revisiting it regularly.
Investment Advisor January 2007 Bob Clark	The Trust Threat Financial advisors need to rethink adding trust services to their offerings.
Financial Advisor October 2010 Ben Mattlin	How To Select Trustees As trusts grow more popular, the need to appoint the right trustees becomes crucial.
Financial Advisor June 2005 Bruce W. Fraser	The Rush To Dynasty Trusts It remains to be seen whether dynasty trusts will endure. Meantime, they remain a viable way for the wealthy to shield assets over generations, and for financial advisors they can be a lucrative source of fee income.
OCC Bulletin August 24, 2006	Annual Dollar Trigger for Certain Home Mortgage Loans The Federal Reserve Board published its annual amendment to its Regulation Z Commentary related to the dollar amount that triggers requirements for certain home mortgage loans subject to 12 CFR 226.32.
Financial Advisor November 2009 Caren Chesler	Family Bonds Clients face both financial and emotional traps when they loan money to family.
Financial Planning November 1, 2007 Martin M. Shenkman	High Net Worth: Estate Planning: Be a Trust Team Player Advising your clients to enter into trusts doesn't have to mean the end of your investment management services. Here's what you should know.
The Motley Fool January 24, 2007 Mary Dalrymple	Study Your College Loan Options Know when to use a private or a federal loan to pay your tuition bill.
The Motley Fool June 13, 2006 Dan Caplinger	A Trust for All Seasons: Life Insurance Trusts Escape estate taxes by transferring your life insurance to a trust.
The Motley Fool January 15, 2010	Do You Need a Living Trust? Don't leave your loved ones a legal hassle.
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.
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.
OCC Bulletin October 5, 2004	Final Rule: Extension of the Lending Limits Pilot Program The program, which provides special lending limits for family residential real estate loans and small business loans, has been extended to June 11, 2007. The program also now includes certain agricultural loans
The Motley Fool November 23, 2007 Dan Caplinger	Find the Right Student Loan College loans come in many varieties. Some have very attractive provisions and guarantees, but others can spell trouble for even the most responsible young adults.
On Wall Street November 1, 2012 Elizabeth Wine	10 Biggest Estate Planning Mistakes 10 tips to prevent the missteps that cannot always be repaired after the client s death.
Financial Planning February 1, 2013 Martin Shenkman	Estate Planning Game Changer This year's tax deal could radically shift the way your clients handle tax and estate issues. Here are some strategies to consider.
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.
Registered Rep. March 1, 2005 Will Leitch	Fluffy's Big Pay Day Clients cannot bequeath directly to a pet, but there are ways to ensure Fluffy and Rex are cared for after their owners pass on, says Frances Carlisle, a New York City attorney specializing in wills and trusts for animals.
Investment Advisor August 2008 Lewis Schiff	A Prospect With a Plan A prospect with an existing plan often presents opportunities.
Financial Advisor October 2004 Gail Liberman	Advisors Moving Trusts For Cost Savings Like a game of chess, lawyers and wealth advisors are saving their clients money by moving trusts to states with more attractive laws.
U.S. Banker June 2006 Lee Conrad	Banks Vent Rage Over Commercial RE Loan Rule Banks, in an uproar over regulators' proposal that warns those with high concentrations of commercial real-estate loans may have to raise their capital reserves, worry that new regulations will eat into their bottom line.
Financial Planning December 1, 2012 Martin Shenkman	Estate Planning Nirvana? Self-Settled Trusts Explored Self-settled trusts seem to offer the impossible: They remove assets from an individual's estate while still allowing them to benefit from them.
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.
BusinessWeek November 14, 2005 Lindsey Gerdes	The Private-Loan Dilemma Unable to borrow enough via the federal government, more students are turning to other lenders, which can be a risky last resort.
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.
Investment Advisor September 2005 Alan R. Eber	The Tax Advisor: The Foreign Trust Tax Solution Clients want protection against future creditors and unscrupulous predators. The foreign asset protection trust may in many cases provide the ideal defense. Also, some tax burdens can be relieved, legally, with Foreign Asset Protection Trusts (FAPT).
The Motley Fool June 13, 2006 Dan Caplinger	A Trust for All Seasons: Revocable Trusts Due in large part to its flexibility, the revocable trust is often used as a person's primary estate-planning document, establishing who should receive the grantor's property after death.
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.
Financial Planning March 1, 2008 Donald Jay Korn	Seeing Red Sallie Mae, the leading lender to college students, reported a $1.6 billion loss in the fourth quarter of 2007. Sallie Mae isn't the only student lender that has been bloodied recently. Students and parents need to be cautious when looking for student loans.
OCC Bulletin January 13, 2006	Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices Agencies seeking comment on proposed guidance for concentrations in commercial real estate (CRE) lending and sound risk management practices.
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.
U.S. Banker March 2007 Lee Conrad	Catch and (Accidental) Release: Capturing Approved Loans Banks are losing potential revenue even after going through the work of approving loan applications. But is more automation the automatic answer to solve the "breakage" conundrum?