As advertising for PNC Bank states: "Now more than ever responsible lending is everything."

PNC银行在广告中称：“如今更多负责任的贷款才是一切问题。”

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The Centre for Responsible Lending reports that half of the mortgages taken out by blacks in the past few years were subprime.

责任贷款中心(Centre for Responsible Lending)报告指出在过去的几年里半数黑人所借抵押贷款是次优抵押贷款。

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They have some of the highest overdraft fees, says Michael Calhoun of the Centre for Responsible Lending, a consumer-advocacy group.

他们收取最高的透资费用，一家消费者权益协会——责任贷款中心的迈克尔·卡尔霍恩(Michael Calhoun)说。

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Professor Nakshbendi says Islamic lending practices are also supposed to be socially responsible.

VOA: special.2009.12.11

"This directive will help put an end to these excesses and foster responsible lending practices, " he added.

BBC: Tighter rules for mortgage lending agreed by EU

There must be a maximum rate for lending and there must be a requirement for responsible lending.

BBC: Scottish bankruptcies up by 162%

And relative rankings may remind lenders that they must worry about systemic risks, encouraging more responsible lending practices in the next cycle.

FORBES: Rethinking Credit Ratings