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(Click for frequent words.) 63 ARM resets 62 option ARM resets 60 Option ARMs 58 Adjustable Rate Mortgages ARMs 58 subprimes 56 Option ARMS 56 redefaults 55 ARMs reset 55 Option Adjustable Rate 54 borrowers defaulting 53 subprime 53 deliquencies 52 sub prime 52 supbrime 52 Adjustable Rate Mortgage 52 CMBS Newsletter 52 Pay Option ARMs 52 backed securites 52 Freddie NYSE FRE 52 cramdowns 52 Option ARM 52 lender forecloses 51 robo signing controversy 51 RMBSs 51 defaults 51 mortgage 51 mortages 51 subprime loans 51 Freddie Fannie 51 Liar Loans 51 mort gage 51 Remortgages 50 HAMP mods 50 Current Mortgage Rates 50 mortgages 50 Writedowns 50 Summary Box Fixed 50 securitized mortgages 50 Countrywide CFC 50 mortgage resets 50 redefault 50 subprime ARMs 50 suprime 50 CRE loans 50 reprices 49 Subprime mortgage 49 DISTRESS SALE Bank 49 Subprime Loans 49 subprime mortgages 49 securitisations 49 riskiest borrowers 49 Fannie Mae OTC FNMA 49 Sub Prime 49 jumbo ARMs 49 covenant lite loans 49 Delinquencies Rise 49 foreclosures 49 subprime mortgage 49 refis 49 Subprime Mortgage 49 fannie mae 49 Subprimes 49 Cramdown 49 Robo Signing 49 conforming mortgages 49 subprime mortages 48 Refinance Your 48 Mortgage Woes 48 Toxic Assets 48 Nonprime 48 mortgagebacked securities 48 mort gages 48 CDO exposures 48 negative convexity 48 Fannie NYSE FNM 48 reposessions 48 borrowers defaulted 48 yield curve inverts 48 Fannie Freddie 48 Subprime 48 subprime Alt 48 rate mortgages ARMs 47 jumbo RMBS 47 CDO tranches 47 IndyMac IMB 47 FHA 47 unsecuritized 47 forclosures 47 SUBPRIME TODAY 47 HousingWire 47 FHA insures 47 forclosure 47 Collateralized Debt Obligation 47 riskiest subprime 47 cov lite 47 Subprime woes 47 mortgages ARMs 47 Foreclosing 47 Thornburg Mortgage TMA 47 bubble deflates 47 nonprime mortgages 47 FDIC Bair 47 delinquencies 47 foreclosure 47 Refis 47 CMBS issuance 47 mortgage securitizers 47 adjustables 47 refinancings 47 Loan Modifications 47 Delinquencies 47 hedge fund redemptions 47 overleverage 46 HELOC 46 morgage 46 borrowers 46 Defaults 46 MORTGAGES 46 chargeoffs 46 Deleveraging 46 HELOCs 46 Loan Defaults 46 Freddie FRE 46 EMEA CMBS 46 Foreclosure Process 46 Luminent Mortgage 46 Self cert 46 securitized pools 46 GSAMP 46 Eurozone sovereign 46 securitizations 46 Super SIV 46 Nationstar 46 Alt 46 overstretched homeowners 46 Talf 46 Repay TARP 46 securitizer 46 mortgagers 46 Subprime Mortgages 46 Ambac insures 46 Tighter lending standards 46 mortgate 46 Home Loan Modification 46 Loan Modification Program 46 RMBS 46 option ARMs 46 TBTF banks 46 subprime borrowers 46 mortgage defaults 46 Loan Mods 46 backed securities 46 AMBAC 46 TruPS CDOs 46 souring loans 46 Subprime RMBS 46 Troubled Assets 46 sub primes 46 Toxic Asset 46 MIKE MAYO 46 Fed Kroszner 46 Hardship Letter 46 riskiest tranches 46 delinquent loans 45 Rescap 45 subordinate tranches 45 RMBS collateral 45 jumbo mortgages 45 Freddie Mac FMCC.OB 45 Reflation 45 Short Refi 45 FANNIE MAE 45 mortage backed 45 refi boom 45 subprime meltdown 45 repossession proceedings 45 Home Mortgage Refinance 45 Securitized 45 jumbo conforming 45 CDO writedowns 45 mortgagees 45 Chargeoffs 45 foreclosure Sharga 45 CDS counterparties 45 cramdown 45 WEEKEND ECONOMIST 45 CMBS delinquencies 45 borrower repays 45 lender Accredited 45 writedowns 45 loss severities 45 Mortgage Servicers 45 securitized loans 45 monoline insurers 45 CDOs 45 CNBC Diana Olick 45 value ratios LTVs 45 mezzanine tranches 45 Adjustable Rate Mortgages 45 de levering 45 uncreditworthy borrowers 45 Mortgage Delinquencies 45 Subprime Crisis 45 subprime CDOs 45 prime Luxist 45 cov lite loans 45 mortage 45 negatively amortizing 45 non conforming jumbo 45 FNM FRE 45 Mr. WESSEL 45 Prime RMBS 45 foreclosed 45 CDO squared 45 nonprime mortgage 45 Sector Snap Homebuilders 45 Homebuilder ETFs 44 Elizabeth Razzi 44 Delinquent Loans 44 bernanke 44 recovery falters defaults 44 collaterised debt obligations 44 borrower defaulted 44 borrower 44 CREL CDOs 44 DON TRUSLOW 44 Foreign cenbanks 44 securitized 44 MBSs 44 FNM Loading 44 Mortgage Modifications 44 Monoline 44 borrower defaults 44 Bailout watchdog 44 apropos lyric 44 loan fundings 44 Kondratieff Winter 44 Kelmon noted 44 repossessions 44 Securitised 44 subprime fallout 44 hybrid ARMs 44 re remics 44 securitize mortgages 44 subprime debacle 44 Special Servicer Rating 44 securitization 44 ECB Kranjec 44 Refinanced 44 CMBS 44 Fixed Mortgage Rates 44 forclosed 44 Rate Freeze 44 FreddieMac 44 covenant lite deals 44 Impac Mortgage 44 CMBS Delinquencies 44 borrower refinances 44 foreclosure moratoriums 44 subprime mortage 44 Collateralized Debt Obligations 44 Foreclosure Moratorium 44 Mortgage Meltdown 44 Mounting defaults 44 Nothaft predicted 44 write downs 44 FinReg 44 robo signing scandal 44 Nonperforming 44 KRUGMAN 44 FHLMC preferred stock 44 lien RMBS 44 JACQUES DU TOIT 44 Unelected bureaucrats 44 USTreasurys 44 FirstMortgage Inc. 44 Mortgages 44 Loan Modification Programs 44 Diana Olick 44 Defaults Rise 44 Mortgage delinquencies 44 resets 44 CDOs SIVs 44 mezz 43 freddie mac 43 collaterized debt obligations 43 -Ecoscience Population Resources 43 Distressed properties 43 Tsy 43 FHA insured mortgage 43 monolines 43 Fixed Rate Mortgages 43 GSEs Fannie Mae 43 BOND REPORT Treasurys 43 subprime lenders 43 Credit Card Interest Rates 43 Susan Katzke 43 ABS RMBS 43 HOEPA 43 Philip Coggan 43 conforming jumbo 43 jumbo loans 43 leveraged buyouts LBOs 43 mortgage delinquencies 43 depreciating asset 43 Homebuyer Tax Credit 43 Servicer Ratings 43 Mortgage Rates Rise 43 Performance Deteriorating Rapidly 43 chargeoff 43 Steep prepayment penalties 43 securitizing mortgages 43 Greenlight Einhorn 43 Freddie Mac FHLB 43 Refinance Loan 43 Annualized PCL 43 Servicer 43 writebacks 43 Property Trax 43 HECM reverse 43 Debt Obligations 43 subprime lending 43 TREASURIES Bonds dip 43 Nonbank 43 Permo 43 CWMBS 43 FINANCIAL STOCKS 43 Foreclosure Mess 43 ECB Wellink 43 Creditworthy 43 Refinance Rates 43 Home Lenders Holding 43 SEAN LEONARD 43 MGIC Radian 43 prepayment speeds loan originations 43 mortgage originations 43 loans 43 Homeowner Loans 43 Tranches 43 ABX indexes 43 BAC Loading 43 TREASURIES Bonds slip 43 Calculated Risk 43 issuers defaulted 43 Fovissste 43 Pimco Gross 43 securitisers 43 BofA Citi 43 Mortgage Refinance Loan 43 fixedrate 43 PLC FRN Variable 43 Resi Servicer Ratings 43 conforming jumbo loans 43 mortgages resetting 43 Lehman LEHMQ.PK 43 Foreclosures 43 Credit Woes 43 Foreclosure Freeze 43 collateralized debt 43 subprime mortgage defaults 43 Stephanie Dhue reports 43 Vehicle SIV 43 TREASURIES Bonds rise 43 Mezzanine Loans 43 nonaccruing 43 Implode O Meter 43 Asset backeds 43 REOs 43 mortagage 43 Guy Cecala 43 nonprime 43 Subprime Woes 43 MAIL BAG 43 fannie 43 Securitisations 43 Prepayment speeds 43 RMBS transactions 43 Refinancings 42 BACM #-# 42 Ladenburg Thalmann Bove 42 HAMP modification 42 uncollateralized 42 Default Rate 42 collateralised debt obligations CDOs 42 nonretirement 42 negative amortizing 42 Troubled Asset 42 refinances 42 Mortgage Loan Modification 42 avoidable foreclosures 42 CDO write downs 42 TREASURIES Yields 42 servicers 42 jumbo IO 42 homeloan 42 deleveraging 42 Re REMIC 42 redefault rates 42 yield curve inverting 42 Foreclosure Sale 42 Remortgaging 42 nonprime residential 42 Underwater mortgages 42 NHRP eligible 42 Stocks Slammed 42 Hypo Real 42 Fannie Mae Freddie Mac 42 Ambac insured 42 Balboa Reinsurance captive 42 subprime RMBS 42 ECB Paramo 42 CAROLINE BAUM 42 AHML 42 Soured loans 42 REO 42 CDOs collateralised debt 42 Washington Mutual WM 42 Spreads Widen 42 Subprime Borrowers 42 Ownit 42 Mortgage Rates Drop 42 recapitalize banks 42 FHA insured mortgages 42 SME CLOs 42 Muddle Through 42 END LSE ENDV 42 subprime mortgage crisis 42 MBIA Ambac 42 mortgage refinancings 42 Foreclosure Fraud 42 pretax writedowns 42 Mortgage Mess 42 ResCap GMAC 42 Covenant lite 42 muni bond 42 refinance 42 OLTV greater 42 drift downwards 42 REO properties 42 Subprime Losses 42 MGIC Investment MTG 42 Kleros RE IV 42 Originations 42 Greenspan Warns 42 EUR#.#b 42 Sharga 42 Bear Stearns Asset Backed 42 Underwater Mortgages 42 Countrywide 42 prepayment penalty 42 analyst Stuart Plesser 42 BRUCE WHITFIELD 42 deflationary depression 42 REFI 42 German Landesbanks 42 foreclosing 42 rated CREL CDOs 42 Stocks tumble 42 HAMP 42 waive prepayment penalties 42 Nick Levidy 42 TREASURIES Long 42 lenders SVRs 42 PIK toggles 42 reinvesting maturing mortgage 42 RECORD LOWS 42 TARP repayments 42 subprime mortgage delinquencies 42 Prepayment Penalty 42 SUSAN TOMPOR 42 Charge offs 42 growing leeriness threatens 42 Subprime Fallout 42 MORTGAGE 42 RMBS CDOs 42 overleveraging 42 lender AmeriCredit 42 prepayment speeds 42 DAVID WALLIS 42 nonowner occupied 42 default 42 Fitch Initiates Extensive 42 ultrasafe 42 assumable 42 Mortgage Interest Rates 42 Eu#bn 42 Rating Agencies 42 Debt Consolidation Loan 42 BoF Noyer 42 Akitsugu Bando senior 42 Foreclosed properties 42 Xceed Mortgage 42 principal paydowns 42 Libor fixings 42 Nonaccrual 42 Covered Bonds 41 Great Unwind 41 #-month/#-month Dec 41 Credit raters 41 Real Estate Owned 41 subprime contagion 41 WORLD BONDS 41 subprime originations 41 re REMICs 41 nonaccruals 41 refi 41 permanent HAMP modifications 41 Freddie Mac FMCC 41 Prepaying 41 Fundings 41 www.wamu.com ir 41 Lenders Holding Co. LEND.O 41 CCJs 41 Subprime Lending 41 Beazer Homes Usa BZH 41 Debt Contagion 41 RMBS CMBS 41 Mr Boulger 41 TARP infusions 41 Avoid Foreclosure 41 GSEs 41 Primary Servicer Rating 41 Defaulted 41 subprime adjustable 41 STEPHEN KOSEFF 41 Willem Sels credit 41 Deluard 41 preferreds 41 refinancing 41 write offs 41 OTTI write downs 41 RMBS Classes 41 Goldman underwrote 41 FREDDIE MAC 41 lender Thornburg Mortgage 41 Fannie FNM 41 Re REMICs 41 loan defaults 41 resecuritizations 41 Subprime borrowers 41 Default 41 foreclosure moratoria 41 conservatively underwritten 41 Borrowers 41 Summary Box Rates 41 KENNETH HARNEY 41 RMBS Servicer Ratings 41 overleveraged 41 Supervalu 3Q 41 Saccacio 41 subordinated tranches 41 Fannie Mae FNMA.OB 41 resetting ARMs 41 creditworthy homebuyers 41 AAA Aaa rated 41 Hungary FHB 41 EUR#b 41 CMBS Servicer Ratings 41 adjustable rate 41 Asset Backed Securitization 41 collaterized debt obligation 41 insurers MBIA MBI 41 Ambac ABK 41 Moral Hazard 41 blog Calculated Risk 41 Homeowner Affordability 41 THE AUTO INDUSTRY 41 Rick Sharga RealtyTrac 41 paydowns 41 Norway c.bank allots 41 Hiroki Shimazu 41 DHUE 41 ultrashort bond 41 TED Spread 41 yield curve inversion 41 securities MBS 41 homeloans 41 Avalon Cardillo 41 Foreclosures skyrocketed 41 Noncurrent loans 41 Frannie Mae 41 Repossessions 41 HECM loans 41 refinanced 41 muni bonds 41 MLEC 41 Radian RDN 41 adjustable jumbo 41 NYSE FRE 41 TSLF auction 41 GIANNOULIAS 41 curve inversion 41 Resets 41 Excess Reserves 41 ETF TBT 41 non conforming Alt 41 Real Estate Owned REO 41 illiquid assets 41 FFELP student 41 Illiquid 41 origination volumes 41 BlackRock Doll 41 Peter Boutell Lending 41 loan modifications 41 Stocks Stabilize 41 Ambac MBIA 41 Subprime Lenders 41 Bernanke Testifies 41 kitchen sinked 41 Ciavarella extorted Powell 41 STIMULUS WATCH Weatherizing 41 NYSEArca XLF 41 Risky Loans 41 Home Modification Program 41 CitigroupC 41 Mortgage Defaults 41 SLABS 41 Eurozone periphery 41 securitization trusts 41 Subprime Mortgage Crisis 41 FRMs 41 monoliners 41 FHLBs 41 picture darkens 41 India cbank 41 paydown 41 nonmortgage 41 delinquencies defaults 41 lenders 41 inverted yield curves 41 ARMs 41 Secured Loan 41 capitalized preacquisition cost 41 Mortgage originations 41 ECB Draghi 41 loans CREL 41 SIVS 41 LTV ratios 41 lehman brothers 41 Prevent Foreclosure 41 SF CDOs 41 Commercial Mortgage Backed 41 Mortgage Rates Fall 41 Presiding Judge Ralph 41 Muddle Through Economy 41 creditworthy borrower 41 CDO squareds 41 Delinquent borrowers 41 Loan Delinquencies 41 HECMs 41 steeper yield curve 41 Homebuyer Credit 41 curve steepen 41 nontraditional mortgages 41 Secured Term 41 Fannie Mae DUS 41 c.banks 41 analyst Philippe Huchois 41 faxing payday 41 fin'l 41 FHA borrowers 41 rate sensitives 41 Remortgage 40 Loan Delinquency 40 balance UPB 40 Predatory lending practices 40 Lehman LEH 40 Mortgagee Letter #-# 40 obligations CDOs 40 LVRs 40 Kenro Kawano 40 risky subprime mortgages 40 Nakheel Sukuk 40 loans collateralizing 40 mortgage servicers 40 prime RMBS 40 PUTs 40 FSLIC 40 Remain Elevated 40 delevered 40 Mortgage Refinancing 40 Zayat Stables defaulted 40 Non accrual 40 Ginnie Mae MBS 40 Marc Savitt president 40 overextending themselves 40 Pfandbrief 40 repaying TARP 40 Synthetic CDOs 40 Hyperion Brookfield Strategic 40 risky mortage 40 CREDIT MARKETS 40 securitized cardmember loans 40 P LSTA 40 SLC Student Loan 40 Repay Bailout 40 uninvestable 40 BILL EVANS 40 Foreclose 40 FNMA 40 conforming jumbos 40 Overstretched homeowners 40 Mortgage Backed Securities 40 Rising Interest Rates 40 TALF 40 TRUPs 40 downward repricing 40 Summary Box Treasurys 40 Homebuilder Hovnanian 40 loan modification 40 jumbo Alt 40 muni defaults 40 QE lite 40 nonprime borrowers 40 yield curve steepens 40 RealtyTrac Rick Sharga 40 curve flattens 40 Lending Practices 40 rated AAA Aaa 40 INVESTMENT TRUSTS 40 Freddie Mac FHLMC 40 Highly leveraged 40 overcollateralized 40 Subprime Concerns 40 Repay TARP Funds 40 MONEY MARKETS US 40 FHA modernization 40 inadequately capitalized 40 analyst Moshe Orenbuch 40 Servicer Rating 40 deemed uncollectible 40 TREASURIES Prices rise 40 FICOs 40 Foreclosure Filings 40 deleverages 40 broker Charcol 40 Novastar 40 jumbo adjustable mortgage 40 Ratings Downgrade 40 CREL CDO Delinquencies 40 yield curve flattens 40 poolwide characteristics modeled 40 PIIGS 40 Grundbesitz Invest fund 40 Noriyuki Fukuda fixed 40 nonaccrual loans 40 SIV lite 40 Housing Slump 40 Delinquent loans 40 noncurrent loans 40 CDOs squared 40 HECM Saver 40 Risky Assets 40 BNC Mortgage LLC 40 Inflation devalues 40 GMAC ResCap 40 nonperforming assets NPAs 40 yearlong breather 40 KUDLOW 40 FHA Modernization Act 40 soverign debt 40 refunding auctions 40 CMHC insured 40 NOD LIS 40 Home Affordable Foreclosure 40 uncollectible debts 40 AIGâ 40 GLOBAL MARKETS Equities 40 Mortgage Arrears 40 Debt Maturity 40 ABS CDOs 40 cramdown legislation 40 MBS CLOSE 40 Sovereign Debt 40 Homecomings Financial LLC 40 mortgage backeds 40 Merrill MER 40 Fitch SMARTView 40 Fannie Mae 40 Ginnie Mae HMBS 40 OOMC 40 FROM WHERE vid 40 CLOSING QUOTE 40 Genesco Finish Line 40 FHA HECM 40 Tirado landlord 40 Subprime lending 40 nonfarm nonresidential 40 callable CDs 40 PRJ NYSE FNM PRF 40 Low Mortgage Rates 40 FannieMae 40 mortgage lenders 40 RMBS exposures 40 Foreclosures Rise 40 outlook darkens 40 SCI passim 40 Subprime Meltdown 40 Interest Rate Hikes 40 nonperforming 40 creeping nationalization 40 Bob Rosato SI 40 Pam Westhoff 40 bubblicious 40 JGBs dip 40 TALF Eligible 40 servicer 40 Aa2 subordinated 40 value LTV ratios 40 Mortgage HECM 40 foreclosed properties 40 ABSs 40 assigned Negative Outlooks 40 Ozarks OZRK 40 ratio LVR 40 ResCap 40 Banque PSA 40 repayments 40 FDIC TLGP 40 Ambac NYSE ABK 40 Anthony Buddy Piszel 40 CDO collateralized debt 40 JPMorgan NYSE JPM 40 Secretary Hank Paulson 40 rebuying 40 FHLMC 40 CRIIMI MAE 40 collateralise 40 Mortgage Rates Hit 40 GLOBAL MARKETS WEEKAHEAD 40 Mortgage servicers 40 monoline insurer 40 downgraded Ambac 40 repriced downward 40 HomeEq 40 FHA insured 40 Higher Interest Rates 40 collateralised debt 40 NYSE NLY 40 RAIT Financial 40 defaulted 40 Mortgage Refinance 40 Avoiding Foreclosure 40 #-month/#-month Oct [001] 40 Searched Stocks 40 Freddie Mac OTCBB FMCC 40 Corp. CFC.N 40 IndyMac 40 preforeclosure 40 Condo Conversions 40 CIT CIT 40 Mortgage Servicing 40 Andrea Cicione credit 40 Robo signers 40 Subprime Exposure 40 mortgage lender 40 Monolines 40 via COMTEX FRE 40 charge offs 40 rated tranches 40 Traders Pare Bets 40 Assured Guaranty AGO 39 bear stearns 39 Overbuilding 39 JPMorgan JPM 39 Namcal 39 Sponsored Enterprises 39 Mahesh Swaminathan mortgage 39 overstretching themselves 39 Pfandbriefe 39 Unsecured Loan 39 Lucien Salvant spokesman 39 low introductory teaser 39 Debit Card Fees 39 Home Affordable Refinance 39 Market Turmoil 39 Mortgage Bankers Assn 39 NYSE FNM 39 Britannic Money 39 #-month/#-month Sept [001] 39 Subservicing volume 39 MLMI 39 nonaccrual 39 loan origination fees 39 -Sunrise Surf Shop 39 Bankrate Mortgage Rates 39 FORECLOSURE 39 IKB 39 Lien Term 39 unsophisticated borrowers 39 Junk bonds 39 Debt Consolidation Loans 39 CHAIRMAN LAZEAR Well 39 Indirect installment 39 nonaccruing loans 39 froze redemptions 39 Corus Bankshares 39 Hungary cbank 39 Al Tielemans SI 39 Peter Boutell 39 lender IndyMac Bancorp 39 EUROPEAN FIG BONDS WRAP 39 Eurohypo 39 Markit ABX 39 Default Notices 39 GAIL MARKSJARVIS 39 TARP 39 amortizations 39 mortgager 39 Delinquency Rate 39 nonaccruing loans accruing 39 Financial Stability Plan 39 highly levered 39 Monoline insurers 39 Stuy Town 39 STRUCTURED FINANCE 39 HomeSaver Advance 39 Vangelakos mortgage 39 nonaccrual status 39 GBP #bln [002] 39 Asset Relief Program 39 RH Donnelley Corp 39 mortgage loan originations 39 Co Inc MER.N 39 Joseph Brusuelas chief 39 d defeasance 39 lender RAMS 39 Loan Portfolio 39 performing obligors 39 Foreclosure 39 monoline exposure 39 Mortgage Rates Dip 39 remortgagers 39 Mezzanine Debt 39 Equity Indexed Annuities 39 ECONOMIC REPORT 39 Credit Card Delinquencies 39 nonperforming loans 39 Realized Losses 39 BofA BAC 39 jumbo adjustable 39 unlinked shekel 39 Fixed Rate Mortgage 39 perma bulls 39 FSB Draghi 39 Mortgage Rates Continue 39 subprime mortgage meltdown 39 guaranteeing interbank lending 39 Hybrid ARMs 39 Interest Rates Rise 39 non accrual 39 Lenders 39 releveraging 39 strategist Teun Draaisma 39 Transactions Designated 39 Jakabovics 39 BARTIROMO 39 exploding ARMs 39 Credit Card Defaults 39 indexed adjustable 39 Commonfund Strauss 39 Leveraged loans 39 Stimulus Payment 39 £ 1trn 39 WaMu 39 monoline exposures 39 subprime mortgage mess 39 pre forclosure 39 German Fin Min 39 loan 39 Options Expiration 39 ANDILE MAZWAI 39 HAMP Loan Modification 39 Refinancing 39 NYSE FNM PRM 39 Collateralized Debt Obligations CDOs 39 Rate Matcher 39 Loan Originations 39 hedge fund liquidations 39 IndyMac depositors 39 Mortage 39 DAVID CALLAWAY 39 Plc FRN Variable 39 JPMorgan Dimon 39 Restructured Loans 39 Refinance Mortgage Rates 39 walkaways 39 counterparty defaults 39 originations 39 GreenPoint Mortgage Funding 39 Stocks Waver 39 Mortgage Interest Deduction 39 http:/www.bankrate.com/mortgagerates 39 LTV mortgages 39 fin reg 39 Charge Offs 39 cenbanks 39 delinquent borrowers 39 writeoffs