Strong Earnings, Asset Quality Put U.S. Banks on Solid Ground
White, Carl (2024-12-24)
U.S. banks have strong fundamentals, but regulators are keeping an eye on credit quality as delinquency rates rise for certain consumer and commercial real estate loans.
On the Economy

Journal Article
Capital for Communities: CDFIs Innovate on Small Consumer Loans
Baldini, Noelle (2016-04)
Nearly two out of three Americans do not have sufficient savings to cover an unexpected expense of $500.1 Further, income uncertainty and volatility cause many families to experience spikes and dips in their monthly budgets, often leaving insufficient capital to cover expenses. With limited access to traditional lines of credit, many consumers turn to small loan products to weather a financial shock or to smooth their income fluctuations. While predatory, expensive products can lead consumers into a cycle of repeated usage and mounting debt, consumer-friendly products can provide the ...
Cascade , Volume 2