PayThink

The federal government is now even more involved in the design, pricing, allocation and servicing of home mortgage credit than during the subprime lending debacle. Current proposals that call for government involvement would further entrench this situation.

When experiments in lending are properly organized and priced, they can be successful for borrowers and lenders of all income groups, even in tough times.

Frank J. Diekmann gives highlights and insights from CO-OP's THINK 13.

Peter Duffy, managing director with Sandler O'Neill + Partners, explains the Great Divide and how it hurts credit unions.

Michael E. Fryzel talks why community outreach is the credit union philosophy in action.

Patty Graves, director of risk management services with the Paragon Group, gives reasons to implement ERM and explains the steps to take to get started.

Matthew Sirlin, Supervisory Committee Member with Xcel FCU, discusses National Credit Union Youth Week.

Paul Thompson, former CUNA staffer, goes through credit union history, 1970 to present.

Rather than worrying about carving up a depressed purchase market, policymakers should be looking for ways to ensure that creditworthy borrowers have access to homeownership.

A recap of the informed opinions (and the discussions they generated) on BankThink this week.