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The restrictions made it difficult for lenders to turn a profit, causing many to shut down their payday-loan programs in those states. "Payday lenders are lending unsecured money to individuals with no credit history and no credit score," says Elving. "So it's truly a situation where they have...
At times, the top executives did contend that regulation might have been too loose leading up to the crisis, but they stressed that that was no longer the case. All thought that the government needed the power to resolve large troubled institutions. Brian Moynihan, CEO of Bank of America, said...
One of the more interesting exchanges came when FCIC members asked the CEOs if they thought that Wall Streeters should get a portion of their compensation in the products they were selling to customers, like mortgage bonds or stocks. In late 2008, investment bank UBS instituted such a plan. The...
Separating the factors that contribute to climate change from the things that help reverse it is not always easy because sometimes they're one and the same. Trees sop up CO2, for example, but when they die and decay they release it back into the air. Wetlands and rice paddies...
The exact nature of al-Awlaki's operational role remains in dispute. "There's nothing to suggest that he's sitting down and planning attacks," says Ben Venzke of IntelCenter, a private intelligence contractor. "But his connections to Hasan and Abdulmutallab show that he does more than just make some...