savings and loan

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savings and loan n. a banking and lending institution, chartered either by a state or the Federal government. Savings and loans only make loans secured by real property from deposits, upon which they pay interest slightly higher than that paid by most banks. In the early 1980s savings and loans were "de-regulated," allowing them to make loans for speculative land development, removing high reserve funds requirements, and in allowing savings and loans' funds to participate in competition with banks. The result was use of many savings and loans for speculative and dishonest investments, lack of controls, and tremendous losses to thousands of depositors. However, a properly-managed, conservative savings and loan which concentrates on real estate loans guaranteed by the FHA (Federal Housing Administration) and/or sold in the secondary mortgage market can be safe, profitable, and provide a valuable channel for savings into the home finance market.

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Administrative Agency bank Banks and Banking building and loan Building and Loan Association Citizens for Decency through Law Clifford, Nathan Clinton, William Jefferson Consumer Credit credit depository Federal Deposit Insurance Corporation Federal National Mortgage Association Friedan, Betty Naomi Goldstein Government National Mortgage Association Hooks, Benjamin Lawson index Limited Liability Partnership McCain, John Sidney			Today, the Ghana Association of Savings and Loans Companies has 14 members and over 125 rural banks scattered across the 10 regions of Ghana, providing financial services to a predominantly agro-based economy. Micro lenders move centre stage: Ghana's microfinance institutions ... by Kwateng, Mark Anthony / African Business Members become eligible for loans by establishing a credit rating based on their savings and loan repayment record, regardless of any external credit difficulties. Credit union success by Evening Chronicle (Newcastle, England) GAO-02-689 July 15, 2002 GAO reviewed information systems general controls in the calendar year 2001 financial statement audits of the Federal Deposit Insurance Corporation's (FDIC) Bank Insurance Fund, Savings Association Insurance Fund, and Federal Savings and Loan Insurance Corporation Resolution Fund. FDIC Information Security: Improvements Made but Weaknesses Remain by General Accounting Office Reports & Testimony			satisfy requirements satisfy to excess satisfying Satius est petere fontes quam sectari rivulos saturate saturated saturation saturnine satyric sauciness saucy saunter savage savagery savant save save from save from loss save harmless save up saved saved from bondage saving saving clause savings savings and loan Savings and Loan Association savior savoir faire savory Saxbe, William Bart say say again say by heart say in advance say in defense say in reply say less than the truth say no say no to say over say repeatedly say under oath say yes say-so saying scab scabrous scaena scald scalding			saving the trouble saving the trouble saving the trouble Saving the World Again Saving the World in Your Spare Time Saving Young Hearts Saving, Investing and Returning Value Savingly Savingness savings savings savings savings savings savings Savings & Loan Savings & Loan Association Savings & Loans savings account savings account savings account savings account trust Savings accounts Savings accounts Savings and Credit Co-Operative League of South Africa Ltd. Savings and Credit Cooperative Organisation Savings and Credit Cooperative Society Limited Savings and Credit with Education Savings and Growth for Education Savings and Investment savings and loan savings and loan association savings and loan association savings and loan association savings and loan association Savings and loan associations Savings and loan associations Savings and loan associations Savings and loan associations Savings and Loan Corporation Savings and Loan Corporations Savings and Loan Holding Company savings and loans savings and loans savings and loans Savings and Loans Cooperative of Officials of the Armed Forces Savings and Long Term Risk Savings and Slippage Savings and Stock Investment Plan Savings and Thrift Savings Are Vital to Everyone Act Savings Are Vital to Everyone Retirement Act of 1997 Savings association Savings association Savings association Savings association Savings Association Insurance Fund Savings Association Insurance Fund Savings associations Savings associations Savings associations

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