Credit and Lending
Articles across the publication that deal with credit and lending.
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Business & Compliance
UCC Security Interests: Attachment, Perfection, Priority, and Financing Statements
Article 9 turns a promise of collateral into a right that beats other creditors — but only if attachment, perfection and priority are handled in the right order.
8 min readExplainer -
Consumer & Personal Finance
Student Loan Default: Collection, Administrative Remedies, and Rehabilitation
Federal student loans are collected with administrative powers no ordinary creditor has. They also come with notice rights, a hearing, and two defined routes out of default.
7 min readGuide -
Consumer & Personal Finance
Payday and High-Cost Installment Loans: Terms, Rollovers, and State Limits
Whether a payday loan is legal, and on what terms, depends on the state. Federal law adds disclosure duties and a separate rate limit for military borrowers.
7 min readAnalysis -
Property & Housing
Home Equity Loans and HELOCs: Draw Periods, Freezes, and Rescission Rights
Two moments blindside home equity borrowers: the notice that says the line is frozen, and the month the draw period ends and the payment jumps. Here is the law behind both.
8 min readExplainer -
Property & Housing
Reverse Mortgages: Occupancy Rules, Heirs, and Foreclosure Risk
Most reverse mortgage foreclosures start with an unpaid tax bill or an extended hospital stay, not with a borrower who lived too long. The occupancy and upkeep duties are the whole story.
8 min readAnalysis
