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| wells fargo no doc business line of credit: The Financial Crisis Inquiry Report, Authorized Edition United States. Financial Crisis Inquiry Commission, 2011-01-27 Examines the causes of the financial crisis that began in 2008 and reveals the weaknesses found in financial regulation, excessive borrowing, and breaches in accountability. |
| wells fargo no doc business line of credit: The Small Business Administration's 7(a) Business Loan Program United States. Congress. Senate. Committee on Small Business, 1995 |
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| wells fargo no doc business line of credit: Law and Macroeconomics Yair Listokin, 2019-03-11 After 2008, private-sector spending took a decade to recover. Yair Listokin thinks we can respond more quickly to the next meltdown by reviving and refashioning a policy approach, used in the New Deal, to harness law’s ability to function as a macroeconomic tool, stimulating or relieving demand as required under certain crisis conditions. |
| wells fargo no doc business line of credit: The Subprime Virus Kathleen C. Engel, Patricia A. McCoy, 2016 In this lively new book, Kathleen C. Engel and Patricia A. McCoy tell the full story behind the subprime crisis. The authors, experts in the law and economics of financial regulation and consumer lending, offer a sharply reasoned, but accessible account of the actions that produced the greatest economic collapse since the Great Depression. |
| wells fargo no doc business line of credit: Understanding the Securitization of Subprime Mortgage Credit: Federal Reserve Bank of New York Staff Report no. 318 Adam B. Ashcraft, Til Schuermann, 2012-08-04 This is an overview of the subprime mortgage securitization process and seven key informational frictions that arise. The authors discuss the ways that market participants work to minimize these frictions and speculate on how this process broke down. They offer a complete picture of the subprime borrower and the subprime loan, discussing both predatory borrowing and predatory lending. They present the key structural features of a typical subprime securitization, document how rating agencies assign credit ratings to mortgage-backed securities, and outline how these agencies monitor the performance of mortgage pools over time. (Originally published as a Federal Reserve Bank of New York Staff Report) |
| wells fargo no doc business line of credit: Consumer Credit and the American Economy Thomas A. Durkin, Gregory E. Elliehausen, 2014 Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen too fast for too long. It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly credit bureaus, reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including payday loans and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today. |
| wells fargo no doc business line of credit: Loan Officer Training Alex Johnson, 2007-12-01 Thinking about a career as a residential mortgage loan officer? Our Manual provides loan officer training and mortgage broker training for individuals at every level of the mortgage industry-from basic training for those just starting out |
| wells fargo no doc business line of credit: Implementing Enterprise Risk Management John R. S. Fraser, Betty Simkins, Kristina Narvaez, 2014-10-09 Overcome ERM implementation challenges by taking cues from leading global organizations Implementing Enterprise Risk Management is a practical guide to establishing an effective ERM system by applying best practices at a granular level. Case studies of leading organizations including Mars, Statoil, LEGO, British Columbia Lottery Corporation, and Astro illustrate the real-world implementation of ERM on a macro level, while also addressing how ERM informs the response to specific incidents. Readers will learn how top companies are effectively constructing ERM systems to positively drive financial growth and manage operational and outside risk factors. By addressing the challenges of adopting ERM in large organizations with different functioning silos and well-established processes, this guide provides expert insight into fitting the new framework into cultures resistant to change. Enterprise risk management covers accidental losses as well as financial, strategic, operational, and other risks. Recent economic and financial market volatility has fueled a heightened interest in ERM, and regulators and investors have begun to scrutinize companies' risk-management policies and procedures. Implementing Enterprise Risk Management provides clear, demonstrative instruction on establishing a strong, effective system. Readers will learn to: Put the right people in the right places to build a strong ERM framework Establish an ERM system in the face of cultural, logistical, and historical challenges Create a common language and reporting system for communicating key risk indicators Create a risk-aware culture without discouraging beneficial risk-taking behaviors ERM is a complex endeavor, requiring expert planning, organization, and leadership, with the goal of steering a company's activities in a direction that minimizes the effects of risk on financial value and performance. Corporate boards are increasingly required to review and report on the adequacy of ERM in the organizations they administer, and Implementing Enterprise Risk Management offers operative guidance for creating a program that will pass muster. |
| wells fargo no doc business line of credit: Handbook of Corporate Lending: A Guide for Bankers and Financial Managers Revised James S. Sagner, Herbert Jacobs, 2014-04 Banking experts review, simplify corporate lending process. James S. Sagner and Herbert Jacobs advise on corporate lending to help bankers, lenders and corporate finance managers avoid future credit problems in Handbook of Corporate Lending: A Guide for Bankers and Financial Managers. The authors argue for a fresh approach to improving bank lending to corporations. Historically, most banks spend their efforts in evaluating loan proposals from businesses before approving or denying credit. The authors argue persuasively and with examples that lending is a two-step process: the analysis of the company in the context of its industry and its competitors; and then a loan agreement that identifies the credit risks. The book demonstrates through the use of case studies how to limit those risks to the lenders and just as importantly, to the company. Sagner and Jacobs, former senior bankers and consultants and educators to the banking industry, systematically review the process of corporate credit decision-making. Too few banks are now providing adequate formal credit-training. This leaves bankers without the proper guidance to review credit requests and create precautions for corporate borrowers and lenders. Sagner and Jacobs show readers how such factors influence credit, funding, pricing decisions and proper structuring of loans. The book covers such topics as trends in commercial loan activity, the credit loan agreement, the banker's responsibilities, risk management measurement and the credit process. Eight cases in the book highlight a variety of credit issues. The book is written from the perspective of the banker or other lender who makes these important decisions, said Sagner. But business people, particularly global financial managers who must secure credit and maintain excellent relations with their lenders, need to understand this important information. Sagner and Jacobs help readers navigate the issues confronting financial and banking managers. The book aims to explain the financial processes lenders use to make decisions, and to analyze the strengths and weaknesses of credit measurements so that business and financial managers are better prepared to arrange credit facilities. |
| wells fargo no doc business line of credit: Paying with Plastic, second edition David S. Evans, Richard Schmalensee, 2004-12-17 The definitive account of the trillion-dollar payment card industry. The payment card business has evolved from its inception in the 1950s as a way to handle payment for expense-account lunches (the Diners Club card) into today's complex, sprawling industry that drives trillions of dollars in transaction volume each year. Paying with Plastic is the definitive source on an industry that has revolutionized the way we borrow and spend. More than a history book, Paying with Plastic delivers an entertaining discussion of the impact of an industry that epitomizes the notion of two-sided markets: those in which two or more customer groups receive value only if all sides are actively engaged. New to this second edition, the two-sided market discussion provides useful insight into the implications of these market dynamics for cardholder rewards, merchant interchange fees, and card acceptance. The authors, both of whom have researched the industry for more than 25 years, also examine the implications of the recent antitrust cases on the industry as well as other business and technological changes—including the massive consolidation brought about by bank mergers, the rise of the debit card, and the emergence of e-commerce—that could alter the payment card industry dramatically in the years to come. |
| wells fargo no doc business line of credit: Annual Report on the Activity of the Committee on Small Business United States. Congress. House. Committee on Small Business, 2016 |
| wells fargo no doc business line of credit: Black Enterprise , 1998 |
| wells fargo no doc business line of credit: Crimes of the Centuries Steven Chermak Ph.D., Frankie Y. Bailey, 2016-01-25 This multivolume resource is the most extensive reference of its kind, offering a comprehensive summary of the misdeeds, perpetrators, and victims involved in the most memorable crime events in American history. This unique reference features the most famous crimes and trials in the United States since colonial times. Three comprehensive volumes focus on the most notorious and historically significant crimes that have influenced America's justice system, including the life and wrongdoing of Lizzie Borden, the bombing of the Sixteenth Street Baptist Church, the killing spree and execution of Ted Bundy, and the Columbine High School shootings. Organized by case, the work includes a chronology of major unlawful deeds, fascinating primary source documents, dozens of sidebars with case trivia and little-known facts, and an overview of crimes that have shaped criminal justice in the United States over several centuries. Each of the 500 entries provides information about the crime, the perpetrators, and those affected by the misconduct, along with a short bibliography to extend learning opportunities. The set addresses a breadth of famous trials across American history, including the Salem witch trials, the conviction of Sacco and Vanzetti, and the prosecution of O. J. Simpson. |
| wells fargo no doc business line of credit: Loan Portfolio Management , 1988 |
| wells fargo no doc business line of credit: Business Week , 2008 |
| wells fargo no doc business line of credit: The Small Business Advocate , 1996-05 |
| wells fargo no doc business line of credit: Optimizing Company Cash Michèle Allman-Ward, A. Peter Allman-Ward, 2018-02-21 Optimizing Company Cash provides a comprehensive guide to all elements of cash management in a business including: Inflows Outflows Cash conversion cycles Short-term borrowing and investing International business How to structure a corporate treasury function In over 200 pages, the Guide explains how CPAs and financial managers can manage their company's short-term resources to sustain ongoing activities, mobilize funds and optimize liquidity. It also provides diagrams of work flows, step-by-step checklists, templates, and treasury tips for CPAs and finance managers who are responsible for making the most of working capital and short-term resources. |
| wells fargo no doc business line of credit: Annual Report of the Federal Deposit Insurance Corporation for the Year Ending ... Federal Deposit Insurance Corporation, 1976 |
| wells fargo no doc business line of credit: Banking the Poor , 2009-01-01 Banking the Poor explores level and determinants of financial access in 54 countries, mostly in Africa. It collects information from two sources: central banks and leading commercial banks in each surveyed country. It explores associations between countries' banking policies and practices and their levels of financial access, measured in terms of the numbers of bank account per thousand adults. It builds on the previous work measuring financial access through information from regulators, from banks, and also from users' perspectives in household surveys. |
| wells fargo no doc business line of credit: The Fundamental Principles of Financial Regulation Charles Albert Eric Goodhart, Avinash Persaud, Andrew Crockett, International Center for Monetary and Banking Studies, Hyun Shin, 2009 Analytical background -- Nature of systemic risk -- Who should be regulated (by whom) -- Counter-cyclical regulation -- Regulation of liquidity and maturity mismatches -- Other regulatory issues -- The structure of regulation -- Conclusions -- Appendix : the boundary problem in financial regulation -- Discussion and roundtables. |
| wells fargo no doc business line of credit: Black Enterprise , 1996-08 BLACK ENTERPRISE is the ultimate source for wealth creation for African American professionals, entrepreneurs and corporate executives. Every month, BLACK ENTERPRISE delivers timely, useful information on careers, small business and personal finance. |
| wells fargo no doc business line of credit: Microsoft Word 2000 Made Easy Katie Layman, LaVaughn Hart, 2000 Useful for one, two, or three-term courses in Office Technology/Occupations/Administration departments. All texts integrate the learning of word processing with the proper formatting of business documents, language arts reinforcement, vocabulary building, and critical thinking practice. |
| wells fargo no doc business line of credit: ABA Journal , 1999-05 The ABA Journal serves the legal profession. Qualified recipients are lawyers and judges, law students, law librarians and associate members of the American Bar Association. |
| wells fargo no doc business line of credit: Beyond Small Change Donald F. Terry, Steven R. Wilson, 2005 Examines the role of money transferred by migrant workers to their home country. Focuses on how the remittances meet the basic needs of family members there, whilst also generating opportunities for local communities and national economies. Considers the impacts in Latin America and the Caribbean, as well as in Europe, the Middle East and North Africa, and Asia. |
| wells fargo no doc business line of credit: Community credit needs United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation and Insurance, 1978 |
| wells fargo no doc business line of credit: The Federal Reserve and the Financial Crisis Ben Bernanke, 2015-02-22 In 2012, Ben Bernanke, chairman of the U.S. Federal Reserve, gave a series of lectures about the Federal Reserve and the 2008 financial crisis, as part of a course at George Washington University on the role of the Federal Reserve in the economy. He revealed important background and insights into the central bank's crucial actions during the worst financial crisis since the Great Depression, and offers insight into the guiding principles behind the Fed's activities and the lessons to be learned from its handling of recent economic challenges. |
| wells fargo no doc business line of credit: The Bankers Encyclopedia , 1918 |
| wells fargo no doc business line of credit: Development and Evolution of Software Architectures for Product Families Frank van der Linden, 2003-08-06 This book originates from a workshop organised by ESPRIT project 20 477, ARES in Las Palmas de Gran Canaria, Spain, February 1998. ARES is an acronym for Architectural Reasoning for Embedded Systems. Within this project we investigate techniques to deal with problems of software architecture of families of embedded systems. It is the second workshop organised by this project. Its predecessor was held in Las Navas de Marques, Spain, November 1996. The proceedings of the first workshop are only available in electronic format at http://www.dit.upm.es/~ares/. The second workshop succeeded, even more than the first one, in gathering many of the most prominent people working in the area of software architecture for product families or product lines. This second workshop consisted of six sessions. The first session was meant to report the ARES results, according to the topics of the next five sessions. The remaining sessions dealt with different aspects of software architecture, focussed on applications for product families or product lines. Because there will be a separate book covering all ARES results, the first session is not included in this book. The workshop was chaired by Henk Obbink from Philips Research and Paul Clements from the Software Engineering Institute at Carnegie Mellon University. They prepared and presented an overall conclusion at the end of the workshop. This conclusion was used in the introduction to this book. |
| wells fargo no doc business line of credit: Mergent Industrial Manual , 2002 |
| wells fargo no doc business line of credit: Estimating the Costs of Financial Regulation Mr.Andre Santos, Douglas Elliott, 2012-09-11 Staff Discussion Notes showcase the latest policy-related analysis and research being developed by individual IMF staff and are published to elicit comment and to further debate. These papers are generally brief and written in nontechnical language, and so are aimed at a broad audience interested in economic policy issues. This Web-only series replaced Staff Position Notes in January 2011. |
| wells fargo no doc business line of credit: The Earp Brothers of Tombstone Frank Waters, 1976-01-01 The Earp Brothers of Tombstone and the famous fight at the O. K. Corral are well known to American history and even better known to American legend. This composite biography of Wyatt, Morgan, Virgil, James, and Warner Earp is based on the recollections of Mrs. Virgil Earp, dictated to the author in the 1930s, and amplified by documents he unearthed in 1959. In his review of the book for Library Journal, W. S. Wallace stated that he considered The Earp Brothers of Tombstone the most authoritative account ever to be published on the subject. |
| wells fargo no doc business line of credit: F&S Index United States Annual , 1999 |
| wells fargo no doc business line of credit: China's Banking System: Issues for Congress Michael Martin, 2012-12-26 China's banking system has been gradually transformed from a centralized, government-owned and government-controlled provider of loans into an increasingly competitive market in which different types of banks, including several U.S. banks, strive to provide a variety of financial services. Only three banks in China remain fully government-owned; most banks have been transformed into mixed ownership entities in which the central or local government may or may not be a major equity holder in the bank. |
| wells fargo no doc business line of credit: Chain of Title David Dayen, 2017-12-19 NOW IN PAPERBACK The gripping (New York Times) and Hitchcockian(Publishers Weekly) story of how a nurse, a car dealership worker, and a forensic expert took on the nation’s largest banks A Kirkus Reviews and The Week best book of the year, David Dayen’s Chain of Title is a riveting work that recalls A Civil Action, Erin Brockovich, and Flash Boys, recounting how three ordinary Floridians—a car dealership worker, a cancer nurse, and an insurance fraud specialist—helped uncover the largest consumer crime in American history, challenged the most powerful institutions in America, and—for a brief moment—brought the corrupt financial industry to its knees. Lisa Epstein, Michael Redman, and Lynn Szymoniak did not work in government or law enforcement. They had no history of anticorporate activism. Instead they were all foreclosure victims, and while struggling with their shame and isolation they committed a revolutionary act: closely reading their mortgage documents, discovering the deceit behind them, and building a movement to expose it. Harnessing the power of the Internet, they revealed how the financial crisis and subsequent recession were fundamentally based upon a series of frauds that kicked millions out of their homes because of false evidence by mortgage companies that had no legal right to foreclose. As Rolling Stone's Matt Taibbi noted: Chain of Title is a sweeping work of investigative journalism that traces the arc of a criminally underreported story in America, the collapse of the rule of law in the home mortgage industry. |
| wells fargo no doc business line of credit: The End of Normal James K. Galbraith, 2014-09-09 From one of the most respected economic thinkers and writers of our time, a brilliant argument about the history and future of economic growth. The years since the Great Crisis of 2008 have seen slow growth, high unemployment, falling home values, chronic deficits, a deepening disaster in Europe—and a stale argument between two false solutions, “austerity” on one side and “stimulus” on the other. Both sides and practically all analyses of the crisis so far take for granted that the economic growth from the early 1950s until 2000—interrupted only by the troubled 1970s—represented a normal performance. From this perspective, the crisis was an interruption, caused by bad policy or bad people, and full recovery is to be expected if the cause is corrected. The End of Normal challenges this view. Placing the crisis in perspective, Galbraith argues that the 1970s already ended the age of easy growth. The 1980s and 1990s saw only uneven growth, with rising inequality within and between countries. And the 2000s saw the end even of that—despite frantic efforts to keep growth going with tax cuts, war spending, and financial deregulation. When the crisis finally came, stimulus and automatic stabilization were able to place a floor under economic collapse. But they are not able to bring about a return to high growth and full employment. In The End of Normal, “Galbraith puts his pessimism into an engaging, plausible frame. His contentions deserve the attention of all economists and serious financial minds across the political spectrum” (Publishers Weekly, starred review). |
| wells fargo no doc business line of credit: The Oxford Handbook of White-Collar Crime Shanna R. Van Slyke, Michael L. Benson, Francis T. Cullen, 2016-03-01 Although white-collar crime has caused a substantial amount of damage on both the individual and societal levels, it often ranks below street crime as a matter of public concern. Thus, white-collar crime remains an ambiguous and even controversial topic among academics, with a relative dearth of scholarly focus on the issue. The Oxford Handbook of White-Collar Crime offers a comprehensive treatment of the most up-to-date theories and research regarding white-collar crime. Contributors tackle a vast range of topics, including the impact of white-collar crime, the contexts in which white-collar crime occurs, current crime policies and debates, and examinations of the criminals themselves. The volume concludes with a set of essays that discuss potential responses for controlling white-collar crime, as well as promising new avenues for future research. Uniting conceptual theories, empirical research, and ethnographic data, the Handbook provides the first unified analytic framework on white-collar crime. Given the astronomical aggregate losses to victims, building a more nuanced understanding of the dynamics of white-collar crime is a topic of immediate social concern. The definitive resource on white-collar crime, this Handbook will be a valuable resource for developing both intellectual and policy-related solutions. |
| wells fargo no doc business line of credit: Documents of the Assembly of the State of New York New York (State). Legislature. Assembly, 1874 |
| wells fargo no doc business line of credit: Chinese Ethnic Business Eric Fong, Chiu Luk, 2006-11-22 Providing a crucial understanding of how globalization impacts on the development of Chinese businesses, this book analyzes the unprecedented changes in Chinese ethnic business due to the process of globalization, specifically economic globalization, in the key receiving countries of the US, Australia and Canada. Focusing on the main themes of economic globalization and Chinese community development, transnational linkages, local urban structures, homogenization and place attachment, the team of internationally known contributors place the subject of Chinese ethnic business in the bigger picture of ethnic businesses and globalization. Including excellent methodology such as ethnographic studies, historical analysis, geographic studies and statistical analysis, this volume makes an important contribution to the field of ethnic businesses. |
| wells fargo no doc business line of credit: Colorado Women's Economic Summit , 1998 |
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