ABA Banking Journal ...banking's best read magazine.

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Cover Story

Give me your delinquents, your former bankrupts, yearning to borrow...
By Steve Cocheo. There are only so many good credits to go around. Faced with continuing heavy competition for auto loans and residential mortgage loans, banks have begun reaching further down into the credit markets for "B" and "C" and sometimes even "D" loans, also known as "subprime" loans. The trend reflects one of the hotter ideas to come along in banking in recent years, but at least one recent report raises troubling questions about the prospects for significant losses. Also: what exactly are "B" and "C" credits? A practictitioner offers a glossary of terms.

Feature Story

Taking brokerage to a higher level
By Penny Lunt. If you can't beat 'em, join 'em. After four years of offering mostly select mutual funds and annuities to their customers, many banks are entering a new phase, full-service brokerage, in which they sell every product a consumer might see in a wire house. More and more banks are realizing that a logical way to become more like a broker is team up with one, and the feeling is mutual.

Columns
ABA PRESIDENT'S POSITION: A billion here, a billion there...

Departments
COMMUNITY BANKING - The search for profitable customers; part two of a series on bank performance. By Suzanne Donner and Cathy Dudley.
COMPLIANCE CLINIC - Price discrimination warning - how to deal with conflicting opinions from D.C. By Jo Ann S. Barefoot
ABA COMPLIANCE MAILBOX
MORTGAGE LENDING - New rules and three policy changes will change the real-estate lending playing field. By Paul H. Schieber
CARD TRENDS - Is there any room for new card offers?
TECHNOLOGY TOPICS - Microfilm begone - companies want check images.
WEB NOTES - Visa Interactive: Quiet, Key Player
ABA NEWSLETTER - Annual Convention preview.

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