Sales of annuities, financial products often purchased by consumers approaching retirement age, hit a record $385 billion in sales in 2023 with higher interest rates promising larger potential monthly payments to policyholders. To align with...
Read MoreThe year in CLOs started off with the highest January on record; 33 deals totaling nearly $14 billion. The robust activity stems from improved deal economics as credit risk spreads have tightened from wider levels....
Read MoreDespite a trend of stricter standards in the 4th quarter for most loan types, the January 2024 Senior Loan Officer Opinion Survey on Bank Lending Practices (SLOOS) indicated a decrease in the number of banks...
Read MoreCredit is becoming more accessible in the U.S. as Treasury yields drop, making borrowing easier for businesses and individuals. Investor expectations, despite no rate cuts by the Federal Reserve, contribute to lower Treasury yields and...
Read MoreAcknowledging that economic indicators are improving, the Federal Open Market Committee (FOMC) unanimously maintained the current federal funds rate at 5.25-5.5 percent and reiterated its commitment to reduce balance sheet holdings of Treasury and Agency...
Read MoreSeveral lenders have observed that the increase in delinquency rates and charge-offs is linked to a distinctive post-pandemic credit expansion. Improved finances for some Americans during the pandemic led to a shift to better risk...
Read MoreThe Wall Street Journal reports that 2023 analysis through Q3 indicates the decline in investor purchases of single-family homes could be the largest annual drop in 20 years. Due to higher interest rates and home...
Read MoreHarvard University’s Joint Center for Housing Studies released a report that puts the median single-family home sales price at 5.6 times higher than median household incomes. The price-to-income ratio, an indicator of home affordability, has...
Read Morehttps://youtu.be/uh4qJekTgWg Balancing the benefits and risks of innovation to consumers Looking at the legislative and regulatory landscape as it applies to fintech, both as it exists currently and what it may look like in the...
Read MoreAs a consensus-driven association, SFA speaks for the securitization industry at large on proposed amendments to Basel III. WASHINGTON, January 16, 2024 – Today, the Structured Finance Association (SFA) submitted a comment letter to the...
Read MoreMichael Bright, Chief Executive of the Structured Finance Association, published a response on the Financial Times website countering Sheila Bair's stance on derivatives. He asserts that credit linked notes (CLNs) bolster bank balance sheets and...
Read MoreMortgage rates finished 2023 with 9 consecutive weekly drops, setting the 30-year fixed rate at 6.61%. This trend hints at a more stable housing market, which could impact lending strategies and expectations for a modestly...
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