Auto loans defaults are actually in better shape than traditional consumer lending, like credit cards.
Raising reserve requirements even further might not have enough of an impact to slow consumer lending.
"Banks are boosting their consumer lending, in such products as home mortgages and credit cards, " says Mostrous.
So there is a risk that banks are concentrating too much of their assets in consumer lending.
TARP, cheap consumer lending, tax cuts, rebates and subsidies were intended to encourage people to buy more stuff.
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And its balance sheet is burdened with distressed asset-backed securities and mounting credit losses in its consumer lending division.
In the consumer lending game, Capital One will take it either way.
China, where few ordinary citizens have a credit card (indeed, where credit-card-style revolving consumer lending is illegal), is MasterCard's second-largest market after America.
There should be more opportunity in 2013 for real estate loans related to residential construction, and a little opportunity for more consumer lending.
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The banking analysts on Thursday said once lawmakers realize the unintended consequences of the bill on consumer lending, they will likely introduce all sorts of regulatory relief regulations.
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Comerica is a bank holding company with businesses that engage in corporate and consumer lending, mortgage loans, small business and individual banking, and mutual fund and annuity products.
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In addition, the government is expected to pay several investment management firms to match private-sector money and expand a new Treasury-Federal Reserve program designed to boost consumer lending.
JPMorgan is one the largest and most diversified banks in the U.S., and offers services such as retail banking, commercial banking, asset management, investment banking, consumer lending and credit cards.
JPMorgan Chase is one the largest and most diversified banks in the U.S., and offers services such as retail banking, commercial banking, asset management, investment banking, consumer lending and credit cards.
On the financial and housing front loan growth was generally reported to be restrained across the country, with residential real estate lending and consumer lending showing more weakness than commercial lending.
Some analysts have called for a break up of the company, saying its corporate and investment bank, its brokerage and its consumer lending operations are worth more apart than they are together.
Yet, the refusal to allow the market to find a price at which lenders are willing to assume the risks of consumer lending creates the real potential for much worse long-run outcomes.
Barclaycard is a multi-brand credit card and consumer lending business which also processes card payments for retailers and merchants and issues credit and charge cards to corporate customers and the UK Government.
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The consumer asset backed securities market is a source of liquidity to financial institutions that provide federally guaranteed small business loans and consumer lending such as auto loans, student loans and credit cards.
Regaining his credibility will depend on the success of two new schemes: one to boost consumer lending by reviving securitisation, and another to remove toxic assets from banks (details of which are expected any day).
Victoria Edwards, a professional with over 20 years experience in both consumer lending and collections, offers some anecdotes of her own to shed light on who the people are on the other side of those calls.
The money will be made in consumer lending (a much better quality of credit than your average real estate tycoon and with better margins, too) and supplying all those nice consumer things, many of them made in China and imported and distributed through the Carrefours and Wal-Marts of this world.
The biggest new entrants, the banks, have come in mainly by buying stakes in consumer-lending companies, which have an expertise in assessing loan risk that far outstrips their own.
The people said Citi will wait until it sells its consumer-lending business, OneMain Financial, and sheds or runs off additional assets housed within Holdings before finalising its decision on the cards unit.
Bajaj Finance, an Indian consumer-lending firm that has been using Chatter, Salesforce.com's social-networking system, for over a year, says it has led to much smoother communication between its sales staff and underwriters.
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They'll continue to push sales of interest-only refinancing loans, home equity lines of credit, as well as venture into other consumer-lending activities to soften the sting of falling revenue from making mortgage loans.
Second, we'll accelerate our efforts through the Treasury Department's Consumer and Business Lending Initiative.
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American Express Travel Related Services Company provides a variety of products and services, including, global network services, the American Express Card, the Optima Card and other consumer and corporate lending products, stored value products, and several others.
Before the vote Thursday, bank interests had already successfully knocked back proposals that would have taken away their power to assert federal preemption over tougher state lending and consumer protection laws, something they spent the better part of the 1990s litigating.
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