Home Capital Group has seen some of its riskier lending business drain away to the private, unregulated mortgage lenders — firms like Alpine Credit or the many so - called «mom - and - pop» shops which
proliferated as small investors teamed up with brokers to provide short - term, non-amortized loans.
In 2013, Moody's
Investor Service, a bond credit rating agency, released a report which concluded that a
small but growing number of school districts face severe financial stress
as charter schools
proliferate, specifically because these districts can't reduce their costs
as quickly
as they lose revenue.