The Federal Reserve Board and the Securities and Exchange Commission have issued a joint study on loan securitization and credit availability.

In a report to Congress last week, the agencies concluded that while the number of commercial real estate and small-business loans grew sharply over the past two years, the market for securitized small-business loans remains relatively slim. One reason, the study said, is that lenders do not have enough historical data on such loan portfolios to make accurate risk assessments.

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