2A Disasters Reshape the Home Equity BusinessWith many companies out of business, the stronger competitors are thriving. But repayments have cut portfolio growth.

4A Wells-Norwest Merger Creates a Giant CompetitorHead of new consumer credit unit says the combination has provided a new focus for its lending.

5A Attacking the Myth of Predatory LendingHugh Miller, who heads Delta Financial, comments on the need for lenders to combat false impressions of the industry.

6A Household and Associates Vie for Top Dog in Equity LoansAssociates has a big lead in volume, but Household is trying to close the gap as it integrates its acquisition of Beneficial.

8A Unfazed by Industry Problems, a Texas Lender Steams AheadEmpire Funding has been building strong volume since it ended its relationship with the troubled Contifinancial.

10A RFC Builds Volume in High-LTV Loans Despite Others' WoesGMAC unit expects to do $2 billion this year. It says high credit standards make the loans more secure than subprime.

11A The Next Industry Crisis Could Be Even BiggerTwo PricewaterhouseCoopers executives point out that the latest industry crisis came despite a strong economy. What happens in a downturn?

12A Borrowers and Their Reasons for Borrowing Are DiverseStatistics show that the major customers for home equity loans are older and more affluent than critics of the industry believe.

The Changing Face of Home EquityA supplement to American Banker

Editor Edward Kulkosky

Art Director Debbie Romaner

Designer Janet McDowell

Photo Editor Michael Chu

Cover Illustration Thomas Kerr

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