Lower rates of return would require insurers to charge higher premiums or stop covering loans to borrowers with lower credit scores. (You know, the ones the government wants to help?)
Consumers should receive the same level of protection whether they choose to do business with a bank or with marketplace lenders and other challengers...
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The most profitable 200 community banks and thrifts as ranked by three-year average ROE.
With so many willing buyers and sellers, why isn't there more bank M&A?