J.P. Morgan, Wells Fargo Earnings Show Bad Loans On The Decline

The Wall Street Journal – July 15, 2015

Actions by the U.S. government also have had a big impact. Via new regulations, lawsuits and capital requirements on banks, the government has effectively tightened the industry’s lending standards since the financial crisis. And regulators are more sensitive than ever about banks’ lending risks, for example squashing some leveraged buyouts for being too risky for the banks.

It’s really easy when you get the knack,
Of loaning to people who can pay you back.

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