Sentences with phrase «end credit risk»

MCLEAN, VA --(Marketwired - Jan 3, 2018)- Freddie Mac (OTCQB: FMCC) today announced an expansion of its Agency Credit Insurance Structure (ACIS ®) program with ACIS Forward Risk Mitigation (AFRM ®), an innovative front end credit risk transfer offering.

Freddie Mac has expanded its Agency Credit Insurance Structure (ACIS) program with ACIS Forward Risk Mitigation (AFRM), a front - end credit risk transfer (CRT) offering...

MCLEAN, VA --(Marketwired - Jan 3, 2018)- Freddie Mac (OTCQB: FMCC) today announced an expansion of its Agency Credit Insurance Structure (ACIS ®) program with ACIS Forward Risk Mitigation (AFRM ®), an innovative front end credit risk transfer offering.

Here is a roundup of news surrounding recent developments in President - elect Donald Trump's housing policy, key legislative proposals and also reports on the benefits of front - end credit risk sharing with deep cover mortgage insurance, and a new USMI blog post on unnecessary upfront risk fees (loan - level price adjustments) imposed by Fannie Mae and Freddie Mac.

This is because, given Bear's liquidity problems, its use of the discount window directly (just as its use of the JPM conduit) would have created an open - ended credit risk exposure for the Fed.

Not exact matches

Such risks, uncertainties and other factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel, financial condition of commercial airlines, the impact of weather conditions and natural disasters and the financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level of other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.

(To that end, his agency offers credit insurance for exporters, a lending program for prospective buyers of Canadian products and political risk insurance.)

Among the factors that could cause actual results to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and other factors beyond the Company's control, including natural and other disasters or climate change affecting the operations of the Company or its customers and suppliers; (2) the Company's credit ratings and its cost of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations in those rates; (5) the timing and market acceptance of new product offerings; (6) the availability and cost of purchased components, compounds, raw materials and energy (including oil and natural gas and their derivatives) due to shortages, increased demand or supply interruptions (including those caused by natural and other disasters and other events); (7) the impact of acquisitions, strategic alliances, divestitures, and other unusual events resulting from portfolio management actions and other evolving business strategies, and possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation of a global enterprise resource planning (ERP) system, or security breaches and other disruptions to the Company's information technology infrastructure; (10) financial market risks that may affect the Company's funding obligations under defined benefit pension and postretirement plans; and (11) legal proceedings, including significant developments that could occur in the legal and regulatory proceedings described in the Company's Annual Report on Form 10 - K for the year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).

Last week, Moody's Investors Service downgraded Tesla's credit rating and said Tesla risked running short of cash by the end of the year.

Factors that could cause or contribute to actual results differing from our forward - looking statements include risks relating to: failure of DBRS to rate the Notes at the anticipated ratings levels, which is a closing condition, or at all; changes in the financial markets, including changes in credit markets, interest rates, securitization markets generally and our proposed securitization in particular; the willingness of investors to buy the Notes; adverse developments regarding OnDeck, its business or the online or broader marketplace lending industry generally, any of which could impact what credit ratings, if any, are issued with respect to the Notes; the extended settlement cycle for the scheduled closing on April 17, 2018, which may exacerbate the foregoing risks; and other risks, including those described in our Annual Report on Form 10 - K for the year ended December 31, 2017 and in other documents that we file with the Securities and Exchange Commission from time to time which are or will be available on the Commission's website at www.sec.gov.

Important factors that could cause actual results to differ from OnDeck's forward - looking statements are the risks that OnDeck may not be able to manage its anticipated or actual growth effectively, that its credit models do not adequately identify potential risks, and other risks, including those under the heading «Risk Factors» in OnDeck's Annual Report on Form 10 - K for the year ended December 31, 2016, its Quarterly Reports for the quarters ended June 30 and September 30, 2017 and in other documents that OnDeck files with the Securities and Exchange Commission, or SEC, from time to time which are available on the SEC website at www.sec.gov.

I would not exclude another LTCM style episode of systemic risk given the risk of unraveling of highly leveraged carry trades and the end of easy liquidity: triggers could be a disorderly move of the US dollar, perhaps following trade war threats to China, leading to a 1987 - style stock market crash; or MBSs interacting with a housing slump and the hedging activities of GSEs; or greater corporate distress or a Ford / GM entering into Chapter 11 triggering a massive sell - off in the murky, non-transparent and untested credit derivatives.

We caution you that these statements are not guarantees of future performance and are subject to numerous risks and uncertainties, including volatility in the economy and the credit markets, supply and demand changes for vacation ownership and residential products, competitive conditions; the availability of capital to finance growth, and other matters referred to under the heading «Risk Factors» contained in our Annual Report on 10 - K for the year ended December 30, 2011 filed with the U.S. Securities and Exchange Commission (the «SEC») and in subsequent SEC filings, any of which could cause actual results to differ materially from those expressed in or implied in this presentation.

But, in the end, the U.S. experience included the major elements of most booms: Too much leverage, too little understanding of risk, too easy credit terms, and then a very sharp reversal.

These differences between FICO and VantageScore make the credit rating agencies, lenders and servicers, and end investors in residential mortgage backed securities (RMBS) nervous about depending upon newer scores to judge default risk.

We caution you that these statements are not guarantees of future performance and are subject to numerous risks and uncertainties, including volatility in the economy and the credit markets, supply and demand changes for vacation ownership and residential products, competitive conditions; the availability of capital to finance growth, and other matters referred to under the heading «Risk Factors» contained in the Information Statement filed as an exhibit to our Annual Report on Form 10 - K for the year ended December 30, 2011 filed with the U.S. Securities and Exchange Commission (the «SEC») and in subsequent SEC filings, any of which could cause actual results to differ materially from those expressed in or implied in this presentation.

The Company operates through three segments: LoyaltyOne, which provides coalition and short - term loyalty programs through the Company's Canadian AIR MILES Reward Program and BrandLoyalty; Epsilon, which provides end - to - end, integrated marketing solutions, and Card Services, which provides risk management solutions, account origination, funding, transaction processing, customer care, collections and marketing services for the Company's private label and co-brand retail credit card programs.»

These factors — many of which are beyond our control and the effects of which can be difficult to predict — include: credit, market, liquidity and funding, insurance, operational, regulatory compliance, strategic, reputation, legal and regulatory environment, competitive and systemic risks and other risks discussed in the risk sections of our 2017 Annual Report; including global uncertainty and volatility, elevated Canadian housing prices and household indebtedness, information technology and cyber risk, regulatory change, technological innovation and new entrants, global environmental policy and climate change, changes in consumer behavior, the end of quantitative easing, the business and economic conditions in the geographic regions in which we operate, the effects of changes in government fiscal, monetary and other policies, tax risk and transparency and environmental and social risk.

Most will give you discounts or credit back on diapers you decide to purchase at the end of the program, and they are a great way to try out several brands risk - free!

In other words, if climate sensitivity is toward the low end, 2 K is more dangerous than we currently give it credit for, and arguments for low risk because of low sensitivity are less valid because that means that more ecological changes occur for a given temperature change than currently thought.

When the end credits started rolling on Alex Garland's brain - twisting «Annihilation,» the first thought that popped into my head was: If Stanley Kubrick tried to make «2001: A Space Odyssey» today, would a risk - averse, marketing - dependent studio have backed him?

Dead Ends: The Need for More Pathways to Graduation for Overage, Under - Credited Students in New York City An estimated 138,000 of the 1.1 million New York City students are overage and under - credited (OA / UC) and are out of school or at - risk for dropping out ofCredited Students in New York City An estimated 138,000 of the 1.1 million New York City students are overage and under - credited (OA / UC) and are out of school or at - risk for dropping out ofcredited (OA / UC) and are out of school or at - risk for dropping out of school.

The vast majority (more than 97 percent based on risk in force) of CRT transactions to date have been done on the back - end, with the GSEs warehousing credit risk before transferring to the private sector.

They want to stay on the short end of the yield curve to control their interest rate risk but are taking on an increasing amount of lower credit - quality issuers in an attempt to increase their yield.

To mitigate the risks that are attached to these loans, creditor end up applying huge interest rates on bad credit loans guaranteed approval decision.

This may end up saving a significant amount of money, even if your application is considered a «credit risk».

credit risk front end, high coupon quality on the back end.

If you end up closing the accounts you have had opened for the longest period of time, you are risking a credit score drop by eliminating portions of your credit history.

A risky borrower may enter a swap with bank A, which then takes an offsetting swap position with bank B (earning a bit of the credit spread as its compensation), and so on, with a cheerful money market investor at the end of the chain holding a safe, government backed security, oblivious to the chain of counterparty risk in between.

There is some corporate credit risk: MPHZX sustained a loss in the twelve months ending January.

While the provision requires some additional refinement, the front - end risk sharing approach offers the prospect of lower costs to borrowers, and could help to enhance the availability and affordability of mortgage credit.

The PMIERs establish the foundation for MI to provide greater «front - end» risk sharing solutions — transferring credit risk to third parties when the loan is originated, rather through «back - end» risk sharing on loans that are already on the GSEs» balance sheets.

Trying to weigh the risk / reward of cancelling my Costco AMEX and losing that credit history, but with them ending their partnership with Costco would that lose my credit history on that card?

If you are not making timely payments to your credit card balance, those late payments may end up on your credit report — increasing the risk of them negatively impacting your credit score.

I am doing this because there is a risk that I might need to close the Wells Fargo cash secured credit card by year end.

In addition, it is not uncommon to find incorrect or inaccurate entries on your file also, which could end up increasing your risk factor and causing you to be declined for credit.

VCSH offers exposure to investment grade corporate bonds that fall towards the short end of the maturity spectrum, thereby delivering a moderate amount of credit risk but limiting exposure to rising interest rates.

You may want to decide if the risk of all those late payments and a charge - off and collection account being listed on your credit is worth it in the end for you.

I decided to write this article this night because I decided to run my bond momentum model — low and behold, it yelled at me that everyone is grabbing for yield through credit risk, predominantly corporate and emerging markets, with a special love for bank debt closed end funds.

Getting one card with a low limit can help you start building your credit without running the risk of ending up deep in debt.

If neither of you can pay the debt, you will probably end up with a default listing on your credit report, making it hard to borrow money for several years, and you risk being made bankrupt.

On the other end of the spectrum a low credit score tells a lender you could be doing better with your credit and they see you as a bigger risk when lending you money or giving you credit (like on a credit card account).

Because in the end, unlike a joint loan or credit card, your cosigner is assuming all of the risk with none of the benefits.

The fact that they still insure FHA bad credit loans for borrowers with minimal down - payments speaks volumes as to their risk factor at the end of the day.

Reaching for yield always has risks, but the penalties are most intense at the top of the cycle, when credit spreads are tight, and the Fed's loosening cycle is nearing its end.

While the U.S. equity market advanced strongly on the day the Treasury plan was announced, most market indices were lower by the end of the week, and credit spreads (indicators of bondholder concerns about default risk) did not budge.

Don't risk your personal information ending up in the hands of identity thieves who can wreck your credit.

Most bonds also have a credit quality rating, which is an estimate of the future risk that the bond issuer could fail to make regular payments or pay back the loan at the end of the period.

Note: it's possible that by the end of the year, users may not be able to utilize things like the MPX app with the airline credits so this example definitely contains some degree of risk if you are planning on going the MPX route.

Thousands of PSN subscribers who store confidential details - such as credit or debit card accounts - on their PS3s are now at risk of not only losing those details, but having them end up in the hands of less morally upstanding individuals.