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All GLG News Analyses Filed Under: Mortgages, Consumer & Specialty Finance

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Posted June 19, 2007
Spin-off: DFS - Discover's Pending Independence From Morgan Stanley Begins On 6.30.07
Analysis of: Morgan Stanley to Spin Off Discover in June | money.cnn.com
Author: Kamala Worthington, Former VP, Marketing Product Manager Bank of America Corporation
Discover is coming off a year of record growth with 2006 revenues of $5.1 billion, up from $4.5 billion in 2004, after years of declining market share and some strategic moves that may have positioned them as an attractive "spin-off." In 2006, Discover processed more than three billion transactions...
Posted June 18, 2007
Risk of a Bank Spin Off
Analysis of: Morgan Stanley to Spin Off Discover in June | money.cnn.com
Author: GLG Member Program Contributor
Key Impications: 1. Fear of the Regulatory Environment - An Investment Banking firm has treayed from it's core compentency by involvement in the consumer banking business. 2 Legal Envirinment: The Investment bank is "at risk" in dealing with the retail consumer. 3. Financial Market Place: The Investment...
Posted June 18, 2007
Credit cards on fire !
Analysis of: Morgan Stanley to Spin Off Discover in June | money.cnn.com
Author: GLG Member Program Contributor
With the success of Mastercard and the pending IPO of Visa, why not put Discover out there too! This sector is proving to be one in which investors understand, value and have personal knowledge . Although Discover seems to be a lesser known name, it should attract investors looking for a great...
Posted May 30, 2007
Fed Exercises Restraint as Congress Inches Toward Micromanaging Credit Cards
Analysis of: In Focus: Card Rules Have Fed, Lawmakers Far Apart | www.americanbanker.com
Author: GLG Member Program Contributor
Congress will try to score points at the credit card industry’s expense over the next several years. No measure proposed to date however would materially hurt the industry. But, if Democrats make headway, they will up the ante. “Suitability” rules for instance would be a logical next step and damaging....
Posted May 29, 2007
Self-Destruction of Sub-Prime Lenders, Self-Motivated by Greed: Kruger & Associates LLC, business consultants
Analysis of: US subprime crisis hits house sales | www.ft.com
Author: GLG Member Program Contributor
Housing market did not need to suffer such a fallout that is continuing now.  Some lending products were designed to create borrowers to fail in keeping current with loan payments.  Many Mortgage Brokers and Lenders were more concerned with their bottom line that their clients.  Not all...
Posted May 29, 2007
The Subprime Crises - Will we see a end to the credit denial cycle
Analysis of: US subprime crisis hits house sales | www.ft.com
Author: GLG Member Program Contributor
The  subprime  mortgage  crises  appears  to  drag  on. The Federal  Reserve  says  it  is  not  a  major  crises  because  it  is  not  impacting  the  American  economy  in ...
Posted May 25, 2007
how fast will the housing bubble deflate?
Analysis of: housing bubble bursting | talk.ocregister.com
Author: GLG Member Program Contributor
If the housing bubble deflates quickly the impact on the economy and on the holders of mortgage backed securities will be severe. If, however, prices stabilize or decline slowly the effect is likely to be less dramatic. Inflation might even erase the price imbalances. A recession, however, would make...
Posted May 24, 2007
Scoring Covers Credit. Don't forget Loan-to-value and Payment-to-Income Ratios
Analysis of: Subprime Lenders Say FICO Failed | www.ocregister.com
Author: GLG Member Program Contributor
Over the past decade too many mortgage enders have loosened Collateral and Capacity criteria just because of an average or above average FICO (Credit Bureau Score).
Posted May 23, 2007
How FICO scores are used by mortgage lenders and why they don't use it correctly
Analysis of: Subprime Lenders Say FICO Failed | www.ocregister.com
Author: GLG Member Program Contributor
The FICO score is not to blame for the current subprime meltdown.  Mortgage lenders have only to look in the mirror to find the reasons for the collapse.  Their use of credit scoring has never been as clean as its use from other lenders, such as the credit card issuers.
Posted May 15, 2007
Cheap to buy in Spain?
Analysis of: Spanish property boom ends in panic | www.ft.com
Author: GLG Member Program Contributor
1) 800,000 properties are being built for 600,000 ‘estimated’ buyers. 2) The increase in the ECB interest rate together with the Spanish Euribor have curtailed the ‘cheap to buy in Spain’ syndrome.
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