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The Banking Industry

The Banking Industry

Since the 2008-2011 financial crises, banks have become leery of lending to consumers.

There has been much research completed on this subject and the blame has been a subject of much controversy. Fast-forward to 2013 and 2014.

Has anything changed in the banking industry to open the lending activity?

Has there been any new legislation passed to encourage banks to lend?

How about consumer protection legislation?

Research this issue using the several scholarly articles to use as References in the preparation of your initial post. Please cite according to APA citation requirements.





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The banks in the recent past have been loosening the limits that were placed during the crisis period and this is a monetary policy meant to encourage investors to take loans that will be used to boost the economy. They make it easy to take a loan and there was improvement in the terms and conditions when it comes to borrowing and this was around 2014. Currently banks have favorable interest rates and according to the monetary policy many people are willing to borrow when rates are lower. It is good to note that they have increased their appetite to take risks and are willing to grant loans to many because they are not…..


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