Delinquencies and losses should be the canary in the coal mine for performance trends, but they can also wag the dog, drawing attention away from looming issues. In subprime lending, borrowers could demonstrate the first indications of trouble for the
Credit Chronometer
Clarity at the intersection of credit, law, and markets. From Davis+Gilbert.
Latest from Credit Chronometer - Page 10
A Winter of Servicer Discontent
Student loan forgiveness efforts are stalled, federal agencies are attacking educational legal issues from a variety of angles, and coordinated action among agencies and attorneys general are expected to increase.
With the Biden administration refocusing its efforts on regulatory oversight…
It Just Got Easier to Be Green in NYC (And It’s Worth It)
The chances of success greatly improve when you start with a clear goal, set measurable standards, and execute on the plan. So it’s fair to say New York City has taken a big step toward a more sustainable future by…
State Residency Rules Up in Smoke as Cannabis Industry Grows
State residency requirements for cannabis businesses are in jeopardy following some successful challenges on constitutional grounds. As seen in Westlaw today, Joseph Cioffi, Nicole Serratore and Anna Pinna‘s article, “State residency rules up in smoke as cannabis…
Rental car securitization enters climate change era with Hertz-Tesla deal
Joseph Cioffi was quoted in a GlobalCapital article “Rental car securitization enters climate change era with Hertz-Tesla deal“.
What to Watch in Real Estate Alternative Financing
Inflation forecasts have piqued investors’ interests in adding more real estate to their portfolios, while new technologies and geographic, climate and consumer trends are driving the need for creative and alternative financing structures. Now is the time to get familiar…
Securitization key to Hertz’s near-fatal collapse and its resurrection
Joseph Cioffi was mentioned in a SCI article “Securitization key to Hertz’s near-fatal collapse and its resurrection“.
Many Americans Are Overpaying for Their Car Loans
Joseph Cioffi was mentioned in a Consumer Reports article “Many Americans Are Overpaying for Their Car Loans“.
Commercial Mortgage Alert | Cannabis Lender Eyes Securitization
Joseph Cioffi was quoted in a Commercial Mortgage Alert article regarding the hurdles of bringing cannabis-related securitizations to market.
Regulatory Challenges to Cannabis Financing
The tensions between federal and state cannabis laws continue to persist. In this article, we identify the key federal legal issues for financial institutions and lenders when working with state-legal cannabis businesses.