Sentences with phrase «lending practices leading»
In the investing world, a similar type of risk might be subprime mortgage lending practices leading to a stock market crash in 2008.
http://www.mindfullyinvesting.com/ Not exact matches
«My expectation is that banks will engage in prudent lending — not the type of «race to the bottom» practices that led to a mortgage crisis in the United States.»
The Consumer Financial Protection Bureau is proposing new rules to curtail payday lending practices the agency says can lead borrowers into long - term «debt traps.»
Speculative lending practices fueled a massive housing boom in the U.S. that inevitably led to the subprime mortgage crisis.
To use smart algorithms responsibly, companies — particularly financial services firms — must identify potential problems early and have a well - conceived plan for addressing and removing unintended bias before it leads to discrimination in their lending practices, as well as potential discriminatory biases that may reach beyond lending and affect other aspects of a company's operations.
These rules require stricter income verification and are designed to prevent the kinds of reckless lending practices that led to the housing crisis.
Subsequently, by virtue of defining that an adult and infant are unable to safely sleep on the same surface together, such as what occurs during bedsharing, even when all known adverse bedsharing risk factors are absent and safe bedsharing practices involving breastfeeding mothers are followed, an infant that dies while sharing a sleeping surface with his / her mother is labeled a SUID, and not SIDS.26 In this way the infant death statistics increasingly supplement the idea that bedsharing is inherently and always hazardous and lend credence, artificially, to the belief that under no circumstance can a mother, breastfeeding or not, safely care for, or protect her infant if asleep together in a bed.27 The legitimacy of such a sweeping inference is highly problematic, we argue, in light of the fact that when careful and complete examination of death scenes, the results revealed that 99 % of bedsharing deaths could be explained by the presence of at least one and usually multiple independent risk factors for SIDS such as maternal smoking, prone infant sleep, use of alcohol and / or drugs by the bedsharing adults.28 Moreover, this new ideology is especially troubling because it leads to condemnations of bedsharing parents that border on charges of being neglectful and / or abusive.
Part of what led to the turmoil of the past two years was that, in the absence of clear rules and sound practices, people did not trust that our system was one in which it was safe to invest or lend.
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The bank paid out nearly $ 28 billion in total settlements as a result of reckless lending practices that led to mass foreclosures among its borrowers.
This practice allows the creditors to obtain qualified sales leads of consumers who meet certain lending qualifications.
Mortgage fraud and lax lending practices by FHA lenders lead to additional FHA oversight and regulation, and increase FHA risk for losses associated with mortgage defaults.
The steady rise in student loan debt and unhealthy lending practices has led some businesses to think more creatively when it comes to student loans.
These rules require stricter income verification and are designed to prevent the kinds of reckless lending practices that led to the housing crisis.
Combining the disappointing in De Wolf v. Bell ExpressVu, provincial regulation on payday lending that has led to higher interest rates than those allowed by the usury provisions in the Criminal Code and the limitations of consumer class actions against late payment practices, it seems that consumers have even less protection from exploitative credit arrangements today.
A number of factors, including predatory lending practices, increases in the cost of living, shrinking incomes, and the erosion of the safety net for Americans, have all led to an increase in poverty and indebtedness among us.
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Surely if partial dishonesty is not captured, does this not simply lend itself to bad practice and / or speculative heads of claims with no real prospect of success, leading to a waste of resources for defendant and court?
We have successfully represented officers and directors of banks, mortgage lenders (including those specializing in subprime loans), and other financial institutions in connection with regulatory matters and complaints brought against them arising from allegations of failure to observe their fiduciary duties, alleged fraud, alleged predatory lending practices, and other matters arising from their respective roles in guiding and leading the efforts in the marketplace of their institutions.
Led team's specialty lending practice with a concentration in high - end residential real estate, yacht, aviation and other secured and unsecured debt solutions to achieve credit goals.
«Realtors ® support responsible lending to qualified borrowers and the move to lower premiums will enable more buyers to enter the market while continuing to protect taxpayers from the risky lending practices that led to the housing crash.»
With the OJO Labs, Inc., and loanDepot partnership, AI can lead to problematic and assumed discriminatory lending practices.
Joining the Company in 2010, Tesch led efforts to develop a national brand in private lending with the best practices and transparent products for a diverse customer base.
Many factors led to the housing collapse, but no doubt the overly lenient mortgage lending practices were the biggest culprits.
The Consumer Financial Protection Bureau's rules, which take effect on Jan. 10, establish a national standard for issuing mortgages and are meant to prevent the risky lending practices that led to the housing crash.