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Loans

bonds

A new way to invest in medical research is moving through Congress

by David Brancaccio , Ariana Rosas and Natalie White
Apr 25, 2024
The LOANS bill would make BioBonds available to researchers ready to move their emerging therapies into clinical trials.
Venture capital is the traditional funding mechanism for medical research companies, says Jason Menzo, CEO of Foundation Fighting Blindness. BioBonds would provide another revenue stream with less risk for investors.
Alessandro Biascioli/Getty Images
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High interest rates are risky business

by Sabri Ben-Achour
Jul 26, 2023
Higher interest rates hit businesses in multiple ways. The longer rates remain elevated, the harder it gets.
Corporate borrowers' interest payments have jumped, says Nick Kraemer at S&P Global Ratings.
Peter Dazeley/Getty Images
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It's getting harder to obtain loans. That's exactly what the Fed wants.

by Stephanie Hughes
Jul 18, 2023
Fewer loans means less consumer spending, and less consumer spending means lower inflation.
"Most people's financial wiggle room is pretty small, even before they have to start repaying their student loan," said Matt Schulz at LendingTree.
eric1513/Getty Images
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2023 has been a year for bankruptcy

by Kristin Schwab
May 18, 2023
More than 230 companies declared bankruptcy before the end of April. What is happening?
David’s Bridal is among the more than 230 companies that declared bankruptcy before the end of April.
Justin Sullivan/Getty Images
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Race and Economy

Native-serving financial institutions "fill gaps," but new federal rules could undermine them

by Savannah Maher
May 10, 2023
Community development financial institutions are mostly concerned about a ban on extended-term mortgages and balloon payments.
When Joshua Iron Shell decided to start his own roofing business, a Native CDFI helped him get his finances in order and secure a loan.
Courtesy Joshua Iron Shell
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Banks in Turmoil

How interest-only mortgages can be risky for borrowers and lenders

by Stephanie Hughes
May 2, 2023
These mortgages were key to the economic climate that led to the 2008 financial crisis. First Republic had a lot of them.
First Republic Bank had a lot of of interest-only loans, which can be risky for both borrowers and lenders.
Patrick T. Fallon/AFP via Getty Images
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Lower mortgage fee will help some buyers with Fannie and Freddie loans

by Samantha Fields
Apr 25, 2023
The Federal Housing Finance Agency will lower the loan-level price adjustment fee for people with smaller down payments.
The number of new home sales was up almost 10% in March, according to the U.S. Census Bureau and Department of Housing and Urban Development.
Justin Sullivan/Getty Images
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Banks in Turmoil

Banks are borrowing less from the Federal Reserve

by Nancy Marshall-Genzer
Apr 14, 2023
That's good news, but banks are still borrowing a lot more from the Fed than they typically do.
New central bank data shows that banks borrowed about $9 billion less from the Fed in the week ending April 12, according to Krishna Guha, vice chair of Evercore ISI.
Kevin Dietsch/Getty Images
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Banks in Turmoil

Why we're paying extra attention to senior loan officers right now

by Kai Ryssdal and Andie Corban
Apr 11, 2023
The recent banking turmoil could further tighten credit conditions and slow down the economy.
Kent Belasco of Marquette University believes the recent bank failures are isolated, but "it does have an impact on the banking industry as a whole."
Justin Sullivan/Getty Images
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Businesses and consumers are borrowing more, despite rising interest rates

by Justin Ho
Mar 1, 2023
Total loan balances rose from last quarter and year over year, according to the FDIC. There are good reasons to borrow now.
Some consumers are opting to use home equity loans to pay off credit card debt.
Damien Meyer/AFP via Getty Images
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