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Thought I would share an interesting article by John Carney: What Really Constrains Bank Lending. If anyone out there has worked in the business, I'd be interested to hear your thoughts.

Also, another interesting story today: Lenders Again Dealing Credit to Risky Clients.

Annette Alejandro just emerged from bankruptcy protection and doesn’t have a job, and her car was repossessed last year. Still, after spending her days job hunting, she returns to her apartment in Brooklyn where, in disbelief, she sorts through the piles of credit card and auto loan offers that have come in the mail. 

“Even I wouldn’t make a loan to me at this point,” Ms. Alejandro said.

Here we go again...