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Despite more savings, American households still have a lot of debt

Who's taking on debt for what reasons, and why paying it down is good for your financial and mental health.
Recent data from the Federal Reserve Bank of New York shows the overall amount of household debt increased steadily in 2020.
Chainarong Prasertthai via Getty Images

Will borrowing get more expensive for consumers as the economy recovers?

Mar 5, 2021
Interest rates on 30-year mortgages have started climbing.
This week, Freddie Mac said the average interest rate for a 30-year fixed-rate mortgage climbed above 3% for the first time since July.
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How one small business owner kept all his employees with revenue down 70%

Jan 18, 2021
Drew Dalzell, president of Diablo Sound in Los Angeles, took on half a million dollars in debt to keep his business afloat and staff working.
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Community banks are thriving. Bankers worry it won't last.

Dec 11, 2020
A recent FDIC report found that community bank profits rose last quarter, thanks to fee income from PPP loans and mortgage refinancing.
La Salle State Bank in Illinois outsourced management of its ATMs to save costs.
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Why commercial lending fell last quarter despite low interest rates

Dec 2, 2020
The report found that bank lending volume fell in the most recent quarter, driven by decreases in commercial and industrial lending.
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Student loan debt adds to racial wealth disparities, research finds

The costs for Black borrowers to pursue a college have been growing exponentially.
Robyn Beck/AFP via Getty Images

Fed looks to overhaul laws meant to make sure lower-income Americans have access to loans

The law is meant to demand that when banks take deposits from a particular area, they also make loans there.
The Federal Reserve building in Washington, D.C.
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CFPB rolls back restrictions on payday lenders

Jul 9, 2020
Lenders will not have to verify whether borrowers have the ability to pay back high-interest loans
About 12 million Americans take out payday loans every year, mostly to cover necessities like rent or utilities.
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Citi plans to buy PPP loans from minority-owned lenders

May 21, 2020
The arrangement would allow minority-owned lenders to take PPP loans off of their balance sheets.
Citi says it will purchase $50 million in loans from minority-owned lenders.
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Fed announces $2.3 trillion in additional lending

Apr 9, 2020
The loans, to support American households, businesses and local governments, is part of the Main Street Lending Program authorized by the economic relief law.
Olivier Douliery/AFP via Getty Images