Community development financial institutions are mostly concerned about a ban on extended-term mortgages and balloon payments.

These mortgages were key to the economic climate that led to the 2008 financial crisis. First Republic had a lot of them.

The Federal Housing Finance Agency will lower the loan-level price adjustment fee for people with smaller down payments.

That’s good news, but banks are still borrowing a lot more from the Fed than they typically do.

The recent banking turmoil could further tighten credit conditions and slow down the economy.

Total loan balances rose from last quarter and year over year, according to the FDIC. There are good reasons to borrow now.

How heavily are the odds stacked against startups without the “massive leg up” of family wealth?

Econ Extra Credit newsletter #129

When the economy starts looking scary, bank executives have to make a judgment call about their outstanding loans.

The CFPB says delinquencies and late fees add up and recommends tighter regulation of loans in line with the credit card industry.