Related by context. All words. (Click for frequent words.) 64 lax underwriting 62 Lax lending 58 housing bubble 57 subprime lending 55 subprime loans 55 sub prime 53 subprime mortgage debacle 53 Subprime lending 53 subprime 53 subprime mortgages 53 subprime mortgage 52 overleveraging 51 unscrupulous lenders 51 subprime mortgage crisis 51 subprime debacle 51 risky subprime mortgages 50 mortgage defaults 49 securitizing mortgages 49 mortgages 49 subprime lenders 49 lending 49 overleveraged 49 overlending 49 overborrowing 49 creditworthy borrowers 48 subprime mortgage fiasco 48 mortgage lenders 48 borrowers defaulted 48 nontraditional mortgages 48 subprimes 48 housing bubble burst 48 uncreditworthy borrowers 48 speculative excesses 48 risky mortage 48 Tighter lending 48 mortgage 47 outsize bonuses 47 overextended borrowers 47 subprime borrowers 47 inflated appraisals 47 subprime mortgage mess 47 speculative frenzy 47 predatory lending practices 47 overbuilding 47 borrowing binge 47 subprime mortgage meltdown 47 option ARMs 47 uncreditworthy 46 predatory lending 46 speculative bubble 46 securitized pools 46 irrational exuberance 46 predatory lenders 46 subprime meltdown 46 reckless gambles 46 subprime mortgage defaults 46 nonprime lending 46 loan defaults 46 conforming mortgages 45 Inflated appraisals 45 borrowers 45 GSEs 45 robo signing controversy 45 moral hazard 45 subprime mortgage delinquencies 45 nonprime mortgages 45 asset bubbles 45 FHA insured mortgages 45 Foreclosures spiked 45 FHA loans 44 HOLC 44 unrestrained greed 44 FHLBs 44 Subprime borrowers 44 Fannie Mae 44 mortgage brokers 44 mortgage delinquencies 44 thrifts 44 conforming jumbo loans 44 nonbank lenders 44 mortgage originators 44 mortgages ARMs 44 legalized loan sharking 44 subprime ARMs 44 subprime mortage 44 mortgage refinancings 44 securitized mortgages 43 Predatory lenders 43 overvaluations 43 Option ARMS 43 nonconforming mortgages 43 speculative bubbles 43 overstretching themselves 43 sat uninvestigated 43 procyclical 43 refi boom 43 lenders 43 mortages 43 downward repricing 43 Mounting defaults 43 FHA 43 jumbo mortgages 43 harsh slaveowner 43 unsophisticated borrowers 43 prepayment penalties 43 malinvestments 43 using TCA grading 43 FreddieMac 43 RMBSs 43 borrowers defaulting 43 malinvestment 43 Community Reinvestment Act 43 adjustable mortgages 43 Option ARMs 42 procyclicality 42 hybrid ARMs 42 Adjustable Rate Mortgages ARMs 42 FannieMae 42 riskiest borrowers 42 securitized subprime mortgages 42 mortage backed 42 overinvestment 42 lax 42 Great Moderation 42 avoid speculative bubbles 42 subprime mortgages collateralized debt 42 FRMs 42 Underwater mortgages 42 riskiest subprime 42 IndyMac 42 foreclosure moratoriums 42 CRE loans 42 negatively amortizing 42 delinquencies 42 Walter Molony spokesman 42 rate mortgages ARMs 42 IndyMac Bancorp Inc 42 pressured appraisers 41 FHA insures 41 souring subprime 41 deregulatory zeal 41 TCA grading 41 Ofheo 41 Worldcom scandals 41 Frannie Mae 41 nonprime borrowers 41 covenant lite loans 41 backed securities 41 greedy bankers 41 nonbanks 41 Subprime mortgages 41 Distressed properties 41 Subprime mortgage 41 mort gage 41 risky gambles 41 Freddie Fannie 41 Ponzi pyramid 41 Supervisory omission 41 mortgagebacked securities 41 subprime originations 41 weakly capitalized 41 fraudulent appraisals 41 com bubble 41 nonprime mortgage 41 banks 41 Predatory lending 41 Lending Practices 41 overleverage 41 LTCM debacle 41 housing slump 41 perverse incentives 41 multibillion dollar bailouts 41 collateralised debt obligations CDOs 41 foreclosures 41 HELOCs 40 souring loans 40 hedge fund blowups 40 supbrime 40 Credit raters 40 mispricing 40 Gil Lundstrom 40 deliquencies 40 VPBM 40 nonperforming loans 40 misselling 40 financialisation 40 jumbo conforming 40 TBTF banks 40 Adjustable Rate Mortgage 40 Subprime loans 40 collaterized debt obligations 40 homeloans 40 reinflating 40 Freddie Mac 40 LTCM hedge fund 40 overextending themselves 40 mortgage originations 40 FHLBanks 40 Subprime lenders 40 subprime mortgage originations 40 microlenders 40 mystery Skorik 40 ARMs 40 mortagage 40 plain vanilla mortgages 40 pressuring appraisers 40 illiquidity 40 nonmortgage 40 Option Adjustable Rate 40 robo signing 40 defaults 40 jumbo loans 40 dubbed Operation Malicious 40 profligacy 40 laissez faire economics 40 securitized loans 40 HOEPA 40 speculative fervor 40 loan originations 40 severest downturn 40 speculative frenzies 40 replaced Robert Willumstad 40 Bubble Epoque 40 loan originators 40 speculative manias 40 reinstate Glass Steagall 40 Strains persist 40 Indymac 39 homeownership 39 Blackened lengths 39 mismanagement cronyism 39 MIPI Specifications establish 39 Fannie 39 LTVs 39 homeowners Ticktin 39 expansionary monetary policies 39 riskiest subprime borrowers 39 misaligned incentives 39 faulty electronic throttles 39 Karevoll 39 Minsky Moment 39 crony capitalism 39 unclog credit 39 SIVs CDOs 39 deflationary depression 39 FirstMortgage Inc. 39 loans 39 prudential norms 39 financialization 39 dominoes Surging defaults 39 adjustables 39 WorldCom scandals 39 prudential regulations 39 FDIC insured institutions 39 fiscal flabbiness Haig 39 subprime adjustable 39 Liu Mingkang 39 subprime mortages 39 excesses 39 thrift 39 Remortgages 39 collateralized debt 39 delinquencies defaults 39 nonaccruing loans accruing 39 mortgage lender 39 Enrico Dallavecchia 39 suprime 39 Subprime 39 Kroszner 39 artificially depressed 39 chief economist Fionnuala 39 Greenspans 39 collateralised debt 39 NYSEArca XLF 39 insured depositories 39 mortgate 39 interest rates 39 intraparty rivalries 39 robo signing foreclosure 39 mort gages 39 prudential 39 subprime RMBS 39 Chandra Shekhar Ghosh 39 ALG publishes 39 Fed Kroszner 39 BIDEN Complained 39 Attorney Wifredo Ferrer 39 Enron debacle 39 lax supervision 39 forclosures 39 linking Gallipolis 39 Loan originations 39 Reg Z 39 Mortgage delinquencies 39 unregulated derivatives 39 credit raters 39 nyse FRE news 39 NPLs 39 Glass Steagall 38 Mortgage giants Fannie 38 Freddie NYSE FRE 38 Tighter lending standards 38 Commodities Futures Modernization Act 38 Syron 38 Mortgage Bankers Assn 38 souring mortgage 38 Predatory lending practices 38 refinancers 38 misprice 38 TBTF 38 TARP recipients 38 nonprime loans 38 subprime lender 38 TARP 38 institutionalize bailouts 38 deregulators 38 Mortgage Brokers 38 nonperforming assets 38 assignee liability 38 Overbuilding 38 Subprime Mortgage 38 overextend themselves 38 morgage 38 refinancings 38 FRE Quote Chart 38 Shoddy workmanship 38 Basle II 38 NA OCTOBER ISSUES 38 Freddie FRE 38 informational asymmetries 38 chargeoffs 38 negative convexity 38 Hanzimanolis 38 prudential oversight 38 Saccacio 38 subprime CDOs 38 resetting adjustable 38 Rising delinquencies 38 breakneck industrialization 38 Espenilla 38 prudential regulation 38 Andrukonis 38 Subprime writedowns 38 IndyMac Bancorp 38 Mortgage Fraud 38 adjustable rate 38 credit crunch 38 fail TBTF 38 mis selling 38 undercapitalization 38 Ponzi scams 38 Gretchen Morgenson 38 massive taxpayer bailouts 38 Operation Malicious Mortgage 38 CARD Act 38 IndyMac IMB 38 Fannie Mae OTC FNMA 38 strugging banks 38 distressed properties 38 DISTRESS SALE Bank 38 reflated 38 Fimalac SA Fitch Ratings 38 robo signing scandal 38 Countrywide 38 Self cert 38 ARMs reset 38 subprime shakeout 38 Marshall Prentice DataQuick 38 tormenting overextended homeowners 38 Conduct HVCC 38 overindebtedness 38 Lehman Brothers LEHMQ.PK 38 Chief Executive Kerry Killinger 38 WaMu 38 QRM definition 38 Countrywide Angelo Mozilo 38 LTV mortgages 38 OMG middleware 38 robosigning 38 Housing Bubble 38 muni issuers 38 commissioner Ma Jiantang 38 Noncurrent loans 38 Basel Accords 38 Mozillo 38 Management LTCM 38 NINJA loans 38 ponzi schemes 38 LTCM 38 Lereah 38 revalued downward 38 ATM surcharges 38 Janet Tavakoli 38 Ira Rheingold executive 38 engulfed Enron WorldCom 38 dangerously undercapitalised 38 taxpayer bailouts 38 IndyMac Bancorp. 37 Mortgage originations 37 conforming jumbos 37 hike Weisinger 37 accounting scandals 37 Predatory Lending 37 homebuyer tax 37 bankless 37 MDBs 37 LVRs 37 Government Sponsored Entities 37 charging usurious 37 shortsellers 37 Peter Wallison 37 grossly negligent audits 37 FDIC 37 Fannie Mae Freddie Mac 37 conforming jumbo 37 Bert Ely banking 37 Anthony Buddy Piszel 37 overstretched homeowners 37 Keynesian stimulus 37 Unsecured lending 37 Chief Executive Richard Syron 37 Great Unwind 37 overspending overtaxing 37 sibling Fannie Mae 37 lenders SVRs 37 securitize mortgages 37 insured depository institutions 37 deliquency rates 37 Indymac Bank 37 Rmb1 #bn 37 unsound banking 37 systemically risky 37 writer Kasie Hunt 37 Consolidated Supervised Entities 37 nonaccruals 37 creditworthy 37 Freddie Mac FRE.N 行情 37 giants Fannie Mae 37 uncover Bernard Madoff 37 Calabasas Calif. lender 37 liquidity crunch 37 Summary Box Fixed 37 loan delinquencies 37 ShoreBank 37 red ligh 37 Irrational Exuberance 37 Richard Syron 37 overloaded extension cords 37 overlimit fees 37 MORTGAGE lending 37 Fannie NYSE FNM 37 foreclosure Sharga 37 overexpansion 37 lax oversight 37 repealed Glass Steagall 37 Robo Signing 37 underpricing 37 Protectionist policies 37 harmfully lax 37 Commonfund Strauss 37 Valuation Code 37 recessionary headwinds 37 conservatively underwritten 37 speculators 37 Tycoon rampage 37 Mr Gahbauer 37 unfettered capitalism 37 ABSs 37 interbank borrowing 37 NPL ratios 37 Mr Munchenberg 37 Adjustable Rate Mortgages 37 Subprime Loans 37 securitization 37 growing leeriness threatens 37 dotcoms 37 banksters 37 prominently Leslie Uggams 37 reverse convertibles 37 overdraft protection 37 IBIs 37 countercyclical buffers 37 Serious delinquencies 37 Hyman Minsky 37 remortgagers 37 Risky Loans 37 hedge fund redemptions 37 petrodollar transfers 37 ARM resets 37 incomes flatline 37 redefault 37 Piszel 37 loans NPLs 37 lender Countrywide Financial 37 Mr Sants 37 Mortgage Backed Securities 37 Zayat Stables defaulted 37 nonprime residential 37 misallocations 37 James Chessen chief 37 spokesman Kevin Mukri 37 Liar Loans 37 foreclosed homes 37 Option ARM 37 irresponsibility 37 Fannie Mae FNM.N 37 Subprime Mortgages 37 Treating Customers Fairly 37 loss severities 37 Gramm Leach Bliley Act 37 Non Performing 37 economist Hyman Minsky 37 Fannie FNM 37 overextension 37 stagflation toxic 37 securitisers 37 crazy Bayraktaroglu 37 subsidiary CitiFinancial 37 reposessions 37 mortgage fundings 37 Mortgage originators 37 Reverse Mortgages 37 LibertyBank Acquisition 37 Long Term Capital 37 FSLIC 37 Annualized PCL 37 re REMICs 37 Fannie Freddie 36 Liu Mingkang chairman 36 Covenant lite 36 borrower creditworthiness 36 Mae NYSE FNM 36 usurious 36 Multilateral Development 36 Ms. Morgenson 36 Foreclosures skyrocketed 36 Keith Gumbinger 36 Peter Niculescu 36 securitized 36 loan origination fees 36 underregulated 36 ran trenchant mercantile 36 CDO squareds 36 HUD FHA 36 Homebuilder stocks 36 MBSs 36 debtholders balked 36 severely undercapitalized 36 Maintenance Organization MISMO 36 Collateralized Debt Obligations 36 Lehman minibonds 36 dot.com crash 36 mortgage origination 36 Bear Stearns BSC.N 36 Christopher Thornberg principal 36 beggar thy neighbor 36 Franz Felhaber 36 loan fundings 36 Robert Lacoursiere 36 Odekoven 36 Kerry Killinger 36 profound irresponsibility 36 Housing Enterprise Oversight 36 FirstClose TM 36 OCC OTS Federal Reserve 36 unmitigated greed 36 overborrowed 36 Smoot Hawley tariffs 36 otc NHRKF.PK news 36 DFI supervises 36 ago Cialis sildenafil 36 Foreclosure Process 36 potent CYP#A# inhibitor 36 Gregory Parseghian 36 Timeout Finland 36 Bears Stearns Cos. 36 Bounced checks 36 HECMs 36 Gumbinger 36 greed 36 Kelmon noted 36 Foreclosures skyrocketed mortgage 36 nonrecourse loans 36 Credit Default Swaps CDS 36 Sub Prime 36 flat yield curve 36 introductory teaser 36 Writer Mazin Yahya 36 Mortgage Bankers 36 phrase pale Kreyol 36 irrationally exuberant 36 peanut salmonella outbreak 36 FDIC Bair 36 foreclosure resales 36 sub PLR 36 mortgage loan originations 36 recapitalize banks 36 fractional reserve 36 LTV ratios 36 bankers 36 laissez faire 36 creditworthy homebuyers 36 nonprime 36 NBFCs 36 Toxic Assets 36 Overdraft fees 36 Mr. WESSEL 36 overleveraged balance sheets 36 microfinanciers 36 boom 36 Federal Deposit Insurance 36 DeKaser 36 backfiring Sommer 36 laissez faire capitalism 36 writer Megan Reichgott 36 Lehman Brothers LEHMQ 36 Wallison 36 Goldman Sachses 36 inspecting fuselages 36 yield curve inversion 36 Organization AMO 36 recovery falters defaults 36 NPAs 36 lender IndyMac Bancorp 36 Bernacke 36 brokered deposits 36 Daniel Mudd 36 reporting progess 36 Lee Pinkowitz 36 Collateralized Debt Obligations CDOs 36 MORTGAGES 36 Great Contraction 36 Real Estate Settlement Procedures 36 HomeSide 36 Freddie Mac FRE.N 36 Gurdgiev 36 federally insured depository 36 noncurrent loans 36 collaterized debt obligation 36 Zheng Jingping spokesman 36 Fixed Rate Mortgages 36 usury laws 36 profligate spending 36 apropos lyric 36 Writer Egidio DiBenedetto 36 collateralised debt obligations 36 properties collateralizing 36 MFBs 36 AHMSI 36 Countrywide Financial 36 shriveling paychecks 36 writer Isolda Morillo 36 reporter Bharatha Mallawarachi 36 securitizers 36 reverse redlining 36 Home Affordable Foreclosure 36 soured mortgages 36 Ownit 36 Nonbank 36 Mortgage Lending 36 net chargeoffs 36 Great Depresssion 36 nondepository 36 deregulation 36 MortgageIT 36 Writer Dino Hazell 36 unbridled capitalism 36 Beazer Mortgage 36 stimulative monetary 36 disinflationary forces 36 OFHEO 36 Mr Battellino 36 exorbitance 36 debit card overdraft fees 36 mortgage financer 36 ponzi 36 writer Claudia Torrens 36 dot.com bubble burst 36 hefty writeoffs 36 Mortgage Banker 36 mortage 36 Subprime Borrowers 36 Underinsurance 36 Iceland Kaupthing bank 36 unwittingly roil 36 Indymac Bancorp 36 fannie 36 Marc Savitt president 36 Writer Martin Benedyk 36 rogue appraisers 36 highly leveraged 36 Ivan Wahl 36 artificially deflating 36 covenant lite 36 provisioning norms 36 naked shorting 35 expansionary policies 35 Credit CARD Act 35 fiat monetary 35 Reinvestment Coalition 35 lendings 35 QRM 35 Creditworthy 35 writer Ben Leubsdorf 35 financial intermediation 35 Writer Jacob Adelman 35 Sequoia Capital Lightspeed Venture 35 Goldman Sachs Jan Hatzius 35 NYSE FNM PRM 35 purchases securitizes sells 35 Richard Kovacevich 35 Geithner 35 reversion schemes 35 Geisst 35 spokesman William Ruberry 35 interbank lending 35 Kondratieff Winter 35 Lawrence Yun NAR 35 SarbOx 35 securitisations 35 cov lite loans 35 Deluard 35 Travis Plunkett 35 Chairman Liu Mingkang 35 LoanPerformance 35 unsold homes 35 mortgage loan fundings 35 WHIP FIP BABIP 35 mortgagers 35 payday lenders 35 Glucker 35 picture darkens 35 mortgage resets 35 homebuyers 35 mortgage servicers 35 precrisis 35 depositors 35 booms busts 35 writer Kinan Suchaovanich 35 Foreclosure Rescue 35 AP IMPACT Mismanagement 35 Janina Kosloski 35 Susan Wachter 35 pyramid schemes 35 reregulation 35 Jamie Woodwell 35 Susan Wachter real estate 35 cov lite 35 Li Huiyong 35 Mae FNM.N 行情 35 CEO Leland Brendsel 35 Coastal Bend Swimming 35 finite reinsurance transactions 35 balance sheets 35 unstable unbalanced uncoordinated 35 Mr Symond 35 NMP Media 35 nation riskiest subprime 35 accommodative macroeconomic 35 backed securites 35 Lending 35 writer Verena Dobnik 35 GSEs Fannie 35 Nothaft 35 Mezerhane Banco Federal 35 depository institutions 35 Remortgaging activity 35 credit 35 confidentiality #/up lbs 35 flattening yield curve 35 Fannie Mae FNM 35 videojournalist Ted Shaffrey 35 charge offs 35 Foreclosures 35 adopting clawback provisions 35 formidable foe Navteq 35 Swedbank SEB 35 IndyMac Bancorp Inc. 35 nonbank 35 Commodity Futures Modernization Act 35 Act HMDA 35 deleveraged 35 occuring Shum 35 Sarbanes Oxley 35 Steven Mnuchin 35 securities MBS 35 Bernard Madoff scandal 35 Student Loan Interest Deduction 35 artificially propping 35 FNM Quote Chart 35 dotcom bubble 35 Sarbanes Oxley Act 35 deemed undercapitalized 35 Childears 35 HomeSide Lending 35 bubble burst 35 marketable Treasuries 35 Freddie Mac NYSE FRE 35 Lax oversight 35 macro prudential regulation 35 TARP Troubled Asset 35 PV NIM 35 LoanWeb 35 Writer Jennifer Peltz 35 Foreclosed homes 35 Sowood Capital 35 sibling Freddie Mac 35 RECORD LOWS 35 prudential supervision 35 credit debacles 35 GSEs Fannie Mae 35 mortgage giants Fannie 35 export sapping appreciation 35 writer Palma Benczenleitner 35 Bailout watchdog 35 Flogos pop 35 foreclosure moratoria 35 inverted yield curves 35 FDICIA 35 Martin Eakes 35 snowballed imperiling 35 residential mortgage originations 35 CDFIs 35 remain imperfectly anchored 35 Mortgage Lender 35 risk averseness 35 Mortgage Servicing 35 Angelo Mozilo Countrywide 35 borrower defaults 35 Writer Shaya Mohajer 35 meltdown 35 unbridled greed 35 Writer Rachel Leamon 35 reinforcing downward spiral 35 FCDU loans 35 macroprudential 35 FFEL loans 35 TILA 35 writer Sagar Meghani 35 regulator APRA 35 Eibor 35 bailouts 35 assets NPAs 35 irrational pessimism 35 Systemically important 35 illiquid securities 35 Great Depression 35 Chief Executive Angelo Mozilo 35 Nothaft predicted 35 Mozilo 35 monetary aggregates 35 check kiting 35 value LTV ratios 35 withdrawal MEW 35 pre forclosure 35 writer Nestor Ikeda 35 deregulated 35 investor skittishness 35 agflation 35 deleveraging 35 subprime lender Countrywide 35 minting millionaires 35 Libor interbank lending 35 procyclical effects 35 balances Azha 35 FASB 35 SFSB Inc. 35 Mortgage lender Countrywide 35 Ms Thorat 35 nationalized Anglo 35 ABX indexes 35 credit default swaps 35 Bailout Nation 35 guaranty insurers 35 Enron Tyco 35 Writer Dina Cappiello 35 BioMimetic filings 35 USEconomic 35 exploding ARMs 35 subprime mortage crisis 35 Carl Birkelbach chairman 35 borrower refinances 35 Illiquidity 35 monetary tightenings 35 DHUE 35 NYSE FNM 35 FBOP 35 Uncle Sam IOUs 35 ballgame Hellenthal 35 Stefan Ortseifen 35 subprime fallout 35 shriveling wages 35 undercapitalized 35 looser monetary 35 contained carbinoxamine 35 Writer Suzanne Gamboa 35 Mae FNMA 35 Corp CFC.N 行情 35 C. Hisey 35 Stiglitz 35 InterFirst Wholesale Mortgage 35 institutions MFIs 35 sovereign debt 35 Act RESPA 35 FHFA 35 Refund anticipation 35 Saving Danieal 34 vanishing nest eggs 34 PRJ NYSE FNM PRF 34 Genworth Mortgage 34 unrepayable debt 34 cripple appraiser 34 borrower defaulted 34 clogged dryer vent 34 perma bulls 34 neo Keynesians 34 Edward Yingling president 34 shonks 34 Naked shorting 34 Sarbox 34 QE1 34 Fannie Mae #-month/#-month Nov 34 loosely regulated 34 CDOs 34 writer Nathalie Ogi 34 Monetarism 34 GMAC ResCap 34 inverted yield curve 34 Originations 34 Freddie Mac FRE.N Quote 34 goldilocks economy 34 eAppraiseIT 34 Meston conceded hormones 34 Lawrence Lasser 34 Orr Trustee PrimeWest 34 inflates bubbles 34 ideological religiosity 34 Inc. BZH.N Quote 34 Congressionally chartered wholesale 34 banks DFIs 34 unauthorized overdraft fees 34 expansionary monetary policy 34 Mortgage Mess 34 Foreclosure Crisis 34 Freddie Mac nyse FRE 34 lender Accredited 34 IndyMac Bancorp Inc IMB.N 34 risktaking 34 PIGS Portugal Ireland 34 unscrupulous landlords 34 riskiest subprime mortgages 34 ARM originations 34 senior secured unitranche 34 CBRC 34 Subprime Crisis 34 Silicone gel breast implants 34 Bearn Stearns 34 Stockmarkets 34 Renasant Insurance 34 Stephen Swad 34 Daren Blomquist spokesman 34 multifamily mortgage originations 34 CNY#.# trillion [003] 34 mob takedown 34 misallocating 34 liquidity sloshing 34 REOs 34 Ajay Rajadhyaksha 34 Gross NPAs 34 inflating appraisals 34 borrowing costs 34 Programme Tarp 34 Armando Falcon 34 rate mortgages FRMs 34 underwriting 34 NYSE FRE 34 Bernanke 34 populist backlash 34 NPL ratio 34 Writer Janna Herron 34 Pay Option ARMs 34 ordinary Icelanders 34 Keith Astill 34 Writer Sonia Moghe 34 monetarism 34 macro prudential 34 Writer Natasha Metzler 34 Fannie Mae FNM.N Quote 34 Deposit Rate AWDR 34 rockiness 34 SIGTARP 34 Risky bets 34 RESPA 34 GetSmart.com 34 leveraging DataTrac 34 CCCF Act 34 Responsible Lending 34 hedge fund LTCM 34 Washington Mutual WM