Peer-to-peer lending, or making personal loans via the Internet using websites like LendingClub.com and Prosper.com.
Banks will probably have to accept lower margins on credit cards, personal loans and mortgages.
This was the cornerstone of a new financial-services division, also selling personal loans, insurance and unit-trust investments.
The key to its success has been how the sites have managed the inherent riskiness of unsecured personal loans.
The investors swapped out five Chesapeake directors and ended the controversial perk that led McClendon to accept those personal loans.
FORBES: Chesapeake: Cheer For CEO McClendon's Exit, Though Substantial Risks Remain
Meanwhile, credit card debt and personal loans, which carry steep interest rates, were a much smaller part of the individuals' overall liabilities.
Prohibition of any form of personal loans to executives or board members.
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Interest on personal loans and credit cards will likely rise, and banks will charge more for simple tasks such as cashing a check.
This was partly as a result of provisions made for compensation to customers who were mis-sold Payment Protection Insurance (PPI) and personal loans.
But they were also given personal tools to address those issues, such as recyclable bottles and personal loans to the poor through KIVA.org.
Despite personal loans, an increase in admission prices and losing a lifeguard, the 15 metre pool could be shut by the end of January.
Citi is bracing itself for continued weakness in the consumer credit markets, as indicated by rising delinquencies on home loans, auto loans, personal loans and credit cards.
The supposed advantage of a financial conglomerate is the ability to meet all of its customers' needs, from personal loans to put options, in one financial supermarket.
Promisingly, the Chinese bank regulator announced draft rules in May to allow domestic and foreign institutions to set up consumer-finance firms to offer personal loans for consumer-goods purchases.
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And I think that a good chunk of the household sector is effectively insolvent, buried under a mountain of mortgage debt, credit cards, auto loans, student loans, personal loans.
In addition, the superseding indictment includes a variety of new charges against the defendants, including bank fraud charges related to both corporate and personal loans, and new tax offenses.
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The bank has about 1.5 million active accounts and offers a range of banking products to retail customers only, including credit cards, savings, personal loans, general insurance and travel money.
Every year, from the end of 2001 to the end of 2005, personal loans grew by a third, deposits by 19% and corporate loans by a percentage in the mid-teens.
Even before the new law, bankruptcy rates have been rising, fuelled by a rapid rise in consumer debt, especially credit card borrowing and personal loans, which have reached record levels.
Much larger sums, running into many billions of pounds, are set aside each year by banks and other lenders to cover potential losses on credit cards, mortgages, overdrafts, and personal loans.
These will give information on interest rates and charges, which will make it easier for customers to compare their banks' deals on current accounts, personal loans and credit cards with its competitors.
In addition to the interest earned on the personal loans, Discover also earns loan origination fees on some of its personal loans and fees from customers that enroll in the payment protection product.
FORBES: Discover Looks Ripe For A Haircut After Gobbling Up Citi's Student Loans
In addition to the below-market rent, it gave hedge fund clients low-interest personal loans, lavish perks and other gratuities to induce the funds to stay and generate additional business for UBS's prime brokerage operations.
Then, charges of self-dealing never officially admitted dogged the executive in the past year: allegations he gave out business to firms that made personal loans to him and ran a hedge fund that traded the same commodities Chesapeake manufactured.
FORBES: Chesapeake: Cheer For CEO McClendon's Exit, Though Substantial Risks Remain
Apart from student loans, Discover also provides personal loans which are unsecured loans with fixed interest rates, fixed terms and fixed payments, and are primarily intended to help customers consolidate existing debt, although they can be used for any reason.
FORBES: Discover Looks Ripe For A Haircut After Gobbling Up Citi's Student Loans
At Citi Holdings, Corbat had the thankless task of trying to stem the losses from billions of dollars in unsecured personal loans and other unwise investments while simultaneously trying to negotiate the best price possible for them in a sale.
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Tesco Personal Finance currently offers a limited range of financial products, including car and health insurance, credit cards, personal loans and online savings accounts, but there has been speculation that after current accounts they could branch out into the area of mortgages.
Mr Ross stepped down as director of Carphone Warehouse, which he co-founded, after it emerged that he had used millions of pounds worth of shares as collateral against personal loans without informing the company's other directors - a potential breach of City rules.
The personal-loans market may also provide a launch-pad for other retail-finance businesses that are underdeveloped in Japan, such as credit cards and home-equity loans.
Not only the former chairman, but also the founder of Enron and at points its CEO, Lay is slated to be tried on his own, on four separate criminal charges related to personal bank loans.
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