As banks write down assets and reduce their leverage by reining in risk-taking activities, loans will be harder for consumers and businesses to come by.

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True, he ramped up risk-taking, pushing deeper into leveraged loans and mortgages.

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Yes that means taking credit risk, but it also means making loans tied to the prime rate and therefore, loans which adjust with the coming inflation.

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For years we had a system in which the student loan program went through banks and financial intermediaries who would take a fee, even though they were taking no risk, because these were all federally guaranteed loans.

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Mr Byers has made clear it is not the government who will be taking the risk (for they will not be guaranteeing the loans).

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You could look to put some of that cash into loans, adding potential returns without taking incremental interest rate risk.

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So therefore taking out the student loans did not seem like too much of a risk.

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Actions such as selling credit default swaps based on rotten loans, money laundering, interest rate manipulation, and excessive risk-taking can be as objectively determined as financial restatements.

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