In Illinois, independent insurance agents are calling on state lawmakers to push through workers’ compensation reforms before a new General Assembly is sworn in. In a message to lawmakers, Independent Insurance Agents of Illinois Todd Hendricks wants lawmakers to reduce coverage costs.Read Full Story
The subprime mortgage in the United States has been the subject of numerous new articles and even more commentary by members of broadcast media. The implosion of credit markets worldwide are considered to be the results of aggressive lending transactions in the subprime sector of mortgage lending. Subprime mortgages are a type of loan made to borrowers with credit scores that are below average and a credit record that reflects some financial irresponsibility. The same aggressive lending...Read Full Story
The subprime mortgage meltdown had a chaotic effect on the US economy and world financial markets in 2008. After the subprime banks closed en masse, the Alt-A lenders were shut down, eliminating all aggressive financing options in the US mortgage market. This has led to a major credit crunch and has had a disastrous effect on the US mortgage industry and overall economy.Read Full Story
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With the $700 Billion financial bailout plan in the works this week, lawmakers in the U.S. House of Representatives are also trying to pass legislation that would restrict credit card issuers from imposing suprise interest rate increases. The Credit Cardholders' Bill of Rights Act would require financial companies to give consumers 45 day notice on changes to their interest rate, as well as extend the billing statement date from a minimum of 14 days to 25 days.
On Tuesday, the legislation...Read Full Story